{"took":225,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":202,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3661791","_score":18.148275,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have two residential home loans with Wells Fargo Home Mortgage. Loan # XXXX which has now been converted to # XXXX and Loan # XXXX which has now been converted to # XXXX. \nWells Fargo falsely reported derogatorily 5 late payments on my Credit Report for nearly 5 years! In XXXX, I began appealing in XXXX to Wells Fargo regarding this derogatory late payment reports to be removed from my credit reporting. In the letters attached from Wells Fargo representative XXXX XXXX, dated XX/XX/XXXX, representations were made that these derogatory remarks would be removed. \nPrior to this false late payment credit reporting by Wells Fargo, my FICO scores were in the low 800s and I had not had one single derogatory credit reporting in over 30 years! Since this false late payment credit reporting by Wells Fargo, my FICO scores have plummeted into the 600s! \nThis false credit reporting by Wells Fargo caused me to be denied credit several times, be charged higher interest rates and I have been unable to refinance my home to a lower interest rate! \nXXXX XXXX XXXX XXXX XXXX Thursday, XX/XX/XXXX A federal judge has refused to throw out a lawsuit by borrowers who claim that their banks wrongfully notified credit reporting agencies that thousands of home owners had gone through bankruptcies or foreclosures. The judge said that Wells Fargo and XXXX will have to face accusations in court from borrowers who accuse the banks of allegedly providing inaccurate information to a credit reporting agency and jeopardizing consumers ' ability to get new loans. A spokesman for XXXX denied the allegations, and a spokesman for Wells Fargo had not yet responded to media calls for comment. The lawsuit, filed by borrowers, alleges reporting inaccuracies to credit-reporting agency XXXX  after borrowers sold their homes in a short sale. A group of mortgage customers from XXXX and Wells Fargo are accusing the banks of failing to report the transactions as short sales to XXXX  but instead reporting them as foreclosures or bankruptcies. They also allege in the lawsuit that the banks failed to correct the reports when they were disputed and that the inaccurate reporting greatly impacted borrowers ' credit scores. XXXX  was also named as a defendant in the lawsuit, accused by borrowers of failing to properly investigate when borrowers complained. \nSource : XXXX, Wells Lose Bid to End Lawsuit Over Credit Reports, XXXX ( XXXX, XXXX, XXXX","date_sent_to_company":"2020-05-21T05:59:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92673","tags":null,"has_narrative":true,"complaint_id":"3661791","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2020-05-21T01:48:16.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["They also allege in the <em>lawsuit</em> that the <em>banks</em> <em>failed</em> to <em>correct</em> the <em>reports</em> <em>when</em> they <em>were</em> disputed and that the inaccurate <em>reporting</em> greatly impacted borrowers ' credit scores. XXXX  was also named as a defendant in the <em>lawsuit</em>, accused by borrowers of failing to properly investigate <em>when</em> borrowers complained. \nSource : XXXX, Wells Lose Bid to End <em>Lawsuit</em> Over Credit <em>Reports</em>, XXXX ( XXXX, XXXX, XXXX"],"product":["Credit reporting, credit repair services, or other personal consumer <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[18.148275,"3661791"]},{"_index":"complaint-public-v1","_id":"12543841","_score":16.657051,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the inaccurate information reported on my credit file. Despite multiple dispute submissions, TransUnion has failed to conduct a proper reinvestigation and has improperly canceled my complaints when the Better Business Bureau ( BBB ) became involved. TransUnions handling of my disputes constitutes a failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ). Due to XXXX continued failure to correct these inaccuracies, I have filed a lawsuit to seek legal remedy for these violations. \n\nInaccurate Information in My Credit Report TransUnion has inaccurately reported the following accounts and inquiries on my credit report : XXXX XXXX  XX/XX/XXXX Not Mine XXXX XX/XX/XXXX Not Mine XXXX XXXX XXXX XXXXXX/XX/XXXX Not Mine XXXX XX/XX/XXXX Not Mine Furthermore, my credit report contains inaccurate reporting of my XXXX XXXX XXXX  accounts, which were closed at my request in XX/XX/XXXX, yet TransUnion falsely reports them as being closed in XX/XX/XXXX. Additionally, these accounts were part of a settlement agreement in XX/XX/XXXX, in which XXXX XXXX Bank agreed to delete them from my credit report, but TransUnion has refused to reflect this change. \n\nXXXX XXXX XXXX  XXXX Account closed in XX/XX/XXXX, but TransUnion falsely reports XX/XX/XXXX. \n\nXXXX XXXX Bank XXXX XXXX in XX/XX/XXXX with agreement to delete, but still reported. \n\nDespite this overwhelming evidence, TransUnion has failed to remove these inaccuracies and has instead : Canceled my complaints when the BBB got involved, preventing a fair reinvestigation. \n\nDeleted my disputes rather than investigating them, which is a violation of the FCRA. \n\nReclassified my disputes under incorrect categories to avoid properly handling them. \n\nDue to XXXX continued failure to reinvestigate and correct these inaccuracies, I was left with no choice but to file a lawsuit for violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). XXXX reckless disregard for the accuracy of my credit report has caused significant damage to my creditworthiness, financial stability, and ability to obtain credit on fair terms.\n\nUnder the FCRA, TransUnion is required to : Conduct a reasonable reinvestigation when a consumer disputes inaccurate information ( 15 U.S.C. 1681i ).\n\nEnsure maximum possible accuracy in consumer reports ( 15 U.S.C. 1681e ( b ) ).\n\nProvide the consumer with the results of the investigation and take corrective action when appropriate.","date_sent_to_company":"2025-03-18T15:10:38.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76227","tags":null,"has_narrative":true,"complaint_id":"12543841","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-18T14:58:10.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Due to XXXX continued failure to <em>correct</em> these inaccuracies, I have filed a <em>lawsuit</em> to seek legal remedy for these violations."],"product":["Credit reporting or other personal consumer <em>reports</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.657051,"12543841"]},{"_index":"complaint-public-v1","_id":"12368602","_score":16.611305,"_source":{"product":"Prepaid card","complaint_what_happened":"XXXX XXXX XXXX Claim number : XXXX card ending in : XXXX Amount stolen : {$33000.00} Dates of unauthorized transactions or issues : XXXX of XXXX until XXXX of XXXX I have had my funds wrongfully withheld or stolen from my bank of America EDD account. \nBank of America blatant negligence, failure to protect account holders and illegal freezing and denial of access to legally entitled unemployment benefits have caused severe financial harm to me since the pandemic. \nThe recent California EDD lawsuit has proven that the bank of America knowingly failed its customers, and I am demanding a full reimbursement without further excuses, delays, or invasions. \nI filed one claim for card number ending in XXXX yet bank of America has split my claim into two seperate claims due to there error. All of the transaction was the same, there was not any bank to bank transfers, and only one card was used.\n\nFor the last three years Bank of America has convinced me that there was two different cards used to make the transactions on my account totaling {$34000.00} dollars when there was only one card used that was card ending in XXXX. \nI sent in photo I.D to prove to Bank of America that thief in images and or footages they may have was not me, I also filed a police report to report my Bank of America card was intercepted, I sent in a copy of my eviction notice to prove to Bank of America that they sent my funds to a address I was no longer residing at, and I also sent a copy of my current lease to prove where I was residing at the time they sent my funds.\n\nHalf of the funds was credited when all of the transactions was the same, there were no bank transfers, there was only one card used in these transactions, and the time frame was the same so why was only half of my funds returned. \nBank of America has lied to and manipulated me as well as there policies by not doing a thorough investigation and lying and trying to convince stuff that is not true. \nBank of America has already admitted their guilt in court for not properly handling each and everyone one of customers claims correctly in the lawsuit EDD versus Bank of America.","date_sent_to_company":"2025-03-07T19:06:20.000Z","issue":"Problem getting a card or closing an account","sub_product":"Government benefit card","zip_code":"935XX","tags":null,"has_narrative":true,"complaint_id":"12368602","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-03-07T17:26:24.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trouble getting, activating, or registering a card"},"highlight":{"complaint_what_happened":["<em>Bank</em> of America has already admitted their guilt in court for not properly handling each and everyone one of customers claims <em>correctly</em> in the <em>lawsuit</em> EDD versus <em>Bank</em> of America."],"company":["<em>BANK</em> OF AMERICA, NATIONAL ASSOCIATION"]},"sort":[16.611305,"12368602"]},{"_index":"complaint-public-v1","_id":"11960726","_score":15.067898,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Subject : Concerns Regarding Investigation Practices Dear Experian/CFPB, I am writing to express my concern regarding the recent lawsuit filed by the Consumer Financial Protection Bureau XXXX CFPB ) against Experian on XX/XX/year>. The allegations presented in this lawsuit raise significant issues regarding how consumer disputes are handled by your agency. \n\nAccording to the CFPB, it is alleged that Experian failed to conduct proper investigations into consumer disputes and instead conducted what they describe as \" sham investigations. '' It is particularly troubling that the lawsuit accuses Experian of re-inserting inaccurate information into consumer credit reports and relying excessively on furnishers ' XXXX XXXX Dispute XXXX ( XXXX ) responses, even when there was reason to doubt the reliability of those furnishers. \n\nAs a consumer, I rely on accurate credit reporting and fair investigation processes. These practices raise serious concerns about the integrity of information that is reported and the measures taken to protect consumer rights. \n\nI kindly request that you provide clarification on how Experian intends to address these allegations and what steps are being taken to improve the investigation process for consumer disputes. Transparency in this matter is essential to restoring confidence in your practices and ensuring that consumers are treated fairly. Accounts that I have disputed several times with Experian, that were inaccurate and/or identity theft were never removed or reported correctly. I am requesting that the below listed accounts are removed from my credit report. \n\nXXXX. SYSTEM, XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account number XXXX Thank you for your attention to this important issue. I look forward to your prompt response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-07T03:19:59.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"76132","tags":null,"has_narrative":true,"complaint_id":"11960726","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-07T02:16:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Accounts that I have disputed several times with Experian, that <em>were</em> inaccurate and/or identity theft <em>were</em> never removed or <em>reported</em> <em>correctly</em>. I am requesting that the below listed accounts are removed from my credit <em>report</em>. \n\nXXXX."]},"sort":[15.067898,"11960726"]},{"_index":"complaint-public-v1","_id":"2598306","_score":14.970912,"_source":{"product":"Debt collection","complaint_what_happened":"First, XXXX XXXX XXXX XXXX. failed to adhere to the CFPB 's policy in regards to responding to a complaint within the first 15 days which the CFPB noted which a copy of this is attached. Secondly, XXXX XXXX XXXX XXXX. attached a copy of a letter they \" supposedly '' sent to me. This letter was not once received by me. It would not surprise me if they made up a date on a letterhead to cover themselves from failing to contact me as they were required to do. Third, Synchrony Bank clearly states that the account was \" CHARGED OFF '' ( see letter \" Letter from Synchrony Bank stating account charged off '' ). By charging the account off, Synchrony would NO LONGER BE RESPONSIBLE FOR IT AND FORFEITS THEIR RIGHTS TO TAKE PART IN A LAWSUIT. Therefore, XXXX XXXX XXXX XXXX CAN NOT sue me on behalf of someone who was \" charged off '' my account. I also do not appreciate that XXXX XXXX XXXX response attached below, referencing that I ever acknowledged that Synchrony is being represented on their behalf. AGAIN, Synchrony stated the matter was charged off therefore they are not involved with the matter. Thats facts! Fourth, I have sent MANY faxes and letters from XX/XX/XXXX until present, all of which were never responded to. I asked XXXX XXXX XXXX XXXX to contact me regarding their lawsuit because I have not once been contacted by them although they are providing a questionable letter that they did. They have been known to send people false documentation regarding this issue, even when they were XXXX XXXX  XXXX XXXX - See XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX. XXXX ( XXXX.N.Y. XXXX ) - See XXXX v XXXX XXXX XXXX , XXXX, XXXX Dist Ct, XXXX NY, case No. XXXX These are just 2 of the thousands of cases filed against this agency 5th -Your threats to continue to pursue lawsuits to me must be addressed. Just because I filed, and will continue to file complaints with the CFPB and other jurisdictions does NOT give you the right to take retaliatory measures against me. As seen in the attached document ( XXXX XXXX XXXX Threats ), I was threatened with further lawsuits because they are claiming I filed too many complaints and that they are \" Frivolous ''. To state they have no value is not their decision as its my RIGHT to send as many complaints as needed to stop companies like you from bullying people like myself. XXXX XXXX XXXX XXXX. has stated many lies, are deceptive, and bully people, all of which while they can not adhere to the CFPB 's guidelines. They had to change their name from XXXX XXXX XXXX XXXX because they were sued and found guilty of so many different violations regarding consumers rights. This company has and continues to fail at doing things the right way and I am sick and tired of it. Something needs to be done to keep failing companies like this from abusing people by not following the correct protocols such as the ones I listed above. For them to threaten me for reporting violations they continue to make by stating they will peruse further action due to my \" Frivolous '' and multiple complaints is ILLEGAL, uncalled for, and NEEDS TO BE ADDRESSED ASAP.","date_sent_to_company":"2017-08-08T16:21:49.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"075XX","tags":null,"has_narrative":true,"complaint_id":"2598306","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2017-08-08T16:21:48.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["Fourth, I have sent MANY faxes and letters from XX/XX/XXXX until present, all of which <em>were</em> never responded to. I asked XXXX XXXX XXXX XXXX to contact me regarding their <em>lawsuit</em> because I have not once been contacted by them although they are providing a questionable letter that they did. They have been known to send people false documentation regarding this issue, even <em>when</em> they <em>were</em> XXXX XXXX  XXXX XXXX - See XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX. XXXX ( XXXX.N.Y."],"sub_issue":["Sued you without properly notifying you of <em>lawsuit</em>"]},"sort":[14.970912,"2598306"]},{"_index":"complaint-public-v1","_id":"3274086","_score":13.999441,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Citi is refunding {$330.00} XXXX to its credit card customers XXXX XXXXXX/XX/2018 XXXX XXXX If you have a Citi credit card in your wallet, you may be owed some money as part of a settlement that Citibank has reached with the Consumer Financial Protection Bureau ( CFPB ). \n\nRELATED : What happens to credit card debt when you die? \n\nThe CFPB said that Citibank failed to reduce the annual percentage rates ( APRs ) on some customers credit cards : As described in the consent order, the Bureau concluded that Citibank violated the Truth in Lending Act by failing to reevaluate and reduce the annual percentage rates ( APRs ) for approximately 1.75 million consumer credit card accounts consistent with regulatory requirements, and by failing to have reasonable written policies and procedures to conduct the APR reevaluations consistent with regulation. \n\nUnder the terms of the consent order, Citibank must correct these practices and pay {$330.00} XXXX in restitution to consumers affected by them. \n\nCitibank self-identified and self-reported the violations to the CFPB, so no additional fines were assessed. \n\nXXXX reports that Citibank said the refunds will average about {$190.00}. Theyre expected to be issued to affected customers by the end of the year. \n\nIn a statement to XXXX, the bank apologized to consumers for not correcting the matter sooner. \n\nAccording to XXXX, customers who are owed money from the settlement dont have to take any action theyll automatically be refunded. \n\nRead more about the settlement from the Consumer Financial Protection Bureau. \n\nI tried numerous times to get them to see there was several errors on my account. \nBased on this lawsuit I am due restitution. However, I have not received any information from Citibank regarding this.","date_sent_to_company":"2019-06-13T18:28:27.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"280XX","tags":null,"has_narrative":true,"complaint_id":"3274086","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2019-06-13T18:18:48.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Under the terms of the consent order, Citibank must <em>correct</em> these practices and pay {$330.00} XXXX in restitution to consumers affected by them. \n\nCitibank self-identified and self-<em>reported</em> the violations to the CFPB, so no additional fines <em>were</em> assessed. \n\nXXXX <em>reports</em> that Citibank said the refunds will average about {$190.00}. Theyre expected to be issued to affected customers by the end of the year."]},"sort":[13.999441,"3274086"]},{"_index":"complaint-public-v1","_id":"13920829","_score":13.372281,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This is an urgent follow-up to my previous CFPB complaint regarding Block, Inc. ( Cash App ). The original issue involved a missing {$5000.00} transfer. I am now updating this to reflect that the funds have returned to my Cash App balance, but I am being forced to pay a {$75.00} fee to access my own money. \n\nI am submitting this as an urgent update to my active CFPB complaint regarding Block, Inc. ( Cash App ), originally filed over a mishandled {$5000.00} transfer. \n\nBackground Summary : On XXXX XXXX XXXX I initiated a standard withdrawal of {$5000.00} from Cash App to my savings account. \nCash App incorrectly categorized my savings account as a checking account, which caused my bank to return the funds. \nI received no real-time support, no follow-up from management, and was repeatedly told a manager will email you but no one did.\n\nThe funds were eventually returned to my Cash App balance, but only after significant stress, delay, and misinformation. \nI requested a one-time waiver of the {$75.00} instant transfer fee, since I no longer trust standard transfers. This request has not been acknowledged or fulfilled. \n\nViolation of Cash Apps Own Terms : According to Cash Apps own published terms of service ( see attached screenshot ), the company may be liable for failing to complete a transaction on time or in the correct amount. None of the outlined exceptions apply to my situation : My account had sufficient funds There were no legal or system encumbrances The failure was caused by their mislabeling of the receiving account This falls squarely within Cash Apps stated obligation to execute transfers properly.\n\nAdditional Concerns for CFPB Enforcement : 1. Lack of Escalation Path : There is no way to speak to a supervisor or escalation manager during business hours.\n\nCustomers are instead given vague assurances that someone will email, even for transactions involving large sums of money.\n\n2. Ongoing CFPB Lawsuit Mentioned in Phone Prompts : When calling Cash App support, there is a pre-recorded legal disclaimer referencing an active CFPB lawsuit. \nThe recording states that this lawsuit does not reflect the customer service being provided today, which is objectively false. Their support model lacks transparency, accountability, and any live resolution path. \nEscalation Failures and Inappropriate Conduct Again, There is no reliable way to escalate a serious account issue within Cash App. Customers are told to wait for an email from a manager a follow-up that never happens. There is no on-call manager, no ticket escalation system outside of sending an email, and no transparent oversight for urgent issues involving thousands of dollars.\n\nAdditionally, when I contacted Cash App phone support, a representative stated that I would need to file a criminal complaint in order for the company to escalate my issue. This suggestion was not only inappropriate but added unnecessary emotional distress to an already stressful situation. No consumer should be required to file a criminal report to receive basic support for a failed transfer.","date_sent_to_company":"2025-06-05T15:13:23.000Z","issue":"Unexpected or other fees","sub_product":"Mobile or digital wallet","zip_code":"60108","tags":null,"has_narrative":true,"complaint_id":"13920829","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2025-06-05T14:48:22.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Additionally, <em>when</em> I contacted Cash App phone support, a representative stated that I would need to file a criminal complaint in order for the company to escalate my issue. This suggestion was not only inappropriate but added unnecessary emotional distress to an already stressful situation. No consumer should be required to file a criminal <em>report</em> to receive basic support for a <em>failed</em> transfer."]},"sort":[13.372281,"13920829"]},{"_index":"complaint-public-v1","_id":"12196899","_score":13.156965,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am reaching out to the CFPB to make a complaint about a collection on my credit profile. \nIncorrect Credit Report Information XXXX XXXX XXXX Account This is the first letter I sent them below to dispute this item on my credit report I am requesting that you provide all documents and evidence that were used to verify the accuracy of this account, as well as proof of the alleged {$950.00}, which I dispute.\n\nIn Cahlin v. General Motors Acceptance Corp., 936 F.2d 1151 ( 11th Cir. 1991 ), the court emphasized that credit reporting agencies must conduct reasonable investigations when discrepancies arise. Additionally, Johnson v. MBNA America Bank, 357 F.3d 426 ( 4th Cir. 2004 ) affirmed that reliance solely on the information provided by creditors is insufficient without further verification.\n\nI request that this account be promptly deleted from my credit report. Should you fail to address this matter within the required, this is the letter I sent and they havent sent me any proof of anything within 30 days of me sending that letter and its been past that I sent that letter on XXXX XXXX and its still yet to be on my report.\n\nI am writing to complain about Experians failure to address inaccuracies in my credit report concerning a collection account : XXXX XXXX. \n\nI requested that they show me proof of the investigation I am aware of the recent lawsuit filed by the CFPB against Experian for similar issues. This lawsuit strengthens my concerns about Experian 's poor dispute resolution practices. \n\n- Inaccuracies : The account shows as XXXX, opened on XXXX, with a last activity date of XXXX. This information is incorrect ; I never entered into any agreement for this collection. \n\n- Verification Failure : Under 15 U.S.C. 1681, I requested Experian to provide the verification details for this account, but have received no response.\n\n- Incorrect Balance : The reported balance of {$950.00} is inaccurate as I do not owe this amount, and I have asked Experian to substantiate this claim.\n\nLegal Precedence : As in Richardson v. Fleet Bank of Massachusetts, inaccurate credit reporting needs correcting immediately.\n\nThe incorrect information adversely affects my creditworthiness, impacting my access to credit, employment, and housing.\n\nFor several months, I have corresponded with Experian to address errors on my credit report. Unfortunately, Experian has not complied with regulations outlined in 15 USC 1681e ( b ), 15 USC 1681s-2, and other relevant sections.\n\nDespite multiple letters sent, Experian has not adequately investigated or corrected these inaccuracies. The persistence of these errors is adversely affecting my ability to secure credit and housing.\n\nI request that the CFPB assists in ensuring Experian conducts a thorough investigation and correction of my report. I seek the removal of false information and prevention of error reinsertion. \n\nPlease contact me at XXXX phone number ( XXXX for any additional information or documents.","date_sent_to_company":"2025-02-24T12:59:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89074","tags":null,"has_narrative":true,"complaint_id":"12196899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-24T12:09:06.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["General Motors Acceptance Corp., 936 F.2d 1151 ( 11th Cir. 1991 ), the court emphasized that credit <em>reporting</em> agencies must conduct reasonable investigations <em>when</em> discrepancies arise. Additionally, Johnson v. MBNA America <em>Bank</em>, 357 F.3d 426 ( 4th Cir. 2004 ) affirmed that reliance solely on the information provided by creditors is insufficient without further verification.\n\nI request that this account be promptly deleted from my credit <em>report</em>."],"product":["Credit reporting or other personal consumer <em>reports</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[13.156965,"12196899"]},{"_index":"complaint-public-v1","_id":"3186736","_score":13.08154,"_source":{"product":"Checking or savings account","complaint_what_happened":"Complaint Department Chase Bank Dear Sir or Madam, I am writing to dispute fraudulent debt. I want Chase to stop attempting to collect {$3800.00} of unauthorized charges that occurred in my Chase bank account. I do NOT want Chase to send the alleged debt to a collection agency or a debt buyer or to file a lawsuit against me as the debt was created by fraudulent and unauthorized account activity. I want Chase to inform credit reporting agencies, including but not limited to XXXX, to remove any negative information from my credit report resulting from this incident for which I was not involved. I want Chase to place in writing to me that they are not pursuing {$3800.00} from me nor do I owe {$3800.00} due to fraudulent activity. \n\nI have attached copies which I received and included all unauthorized transactions and fraudulent use of my Chase bank account. \n\nThe following charges were charged to my bank account XXXX : XX/XX/XXXX total : {$1000.00}. 00/ checking account XXXX XXXX : XX/XX/XXXX-XX/XX/XXXX total : {$1100.00}. 31/ savings account XXXX : XX/XX/XXXX thru XX/XX/XXXX total : {$3800.00}. 00/savings account Chase never red flagged my account or notified me of possible fraudulent transactions. I never used my savings account for electronic payments. I reported all the fraudulent charges to Chase bank after several calls to make sure they had all proper unauthorized charges, which concluded on XX/XX/XXXX. All the charges were made using my bank account numbers/electronic drafts there were not made with an actual credit card/debit card. I immediately contacted them again to close the bank account. \n\nThey reversed the charges temporarily back to my Chase bank account while Chase bank researched charges. I received credit for the XXXX XXXX, XXXX and XXXX charges. Then I finally received a letter saying they are reversing the charges again on XX/XX/XXXX for only the XXXX charges totaling {$3800.00}. 00. The other two charges ( XXXX XXXX and XXXX ) were permanently credited to my account after Chase bank researched and concluded the XXXX charges were not valid. I notified Chase customer service immediately to place Chase on notice that I disagree with the results of their investigation. Chase corrected the XXXX XXXX and XXXX unauthorized charges but failed to address the XXXX charges when all charges occurred within relatively the same time period. All of the unauthorized charges were equally fraudulent. If Chase bank could research and refund the other charges because they are incorrect, they should have been able to do the same for the XXXX. In addition, Chase had all the information for the XXXX transactions, including Web IDs where these fraudulent charges were made and XXXX transaction numbers. \n\nChase stopped further investigation and notified me to contact XXXX myself. I started a complaint with XXXX. I forwarded the web ID and transaction numbers to XXXX, and they were able to locate the responsible party and XXXX restricted their account. XXXX then referred me to law enforcement and back to Chase bank to recover lost funds. \n\nMy frustration is with Chase. Chase could have easily obtained the information from XXXX customer service as I did. I have expectations that my financial institution will keep my money safe and secure. I believe Chase failed me. No one has access to my bank account numbers, and I never used the account for electronic or ACH transactions. I did not authorize or allow the use of my account. The fraudulent account activity was not my typical account behavior. On XX/XX/XXXX, Chase received several complaints from people logging into their online chase account and being able to view other Chase customers information ( see attached article ). There have been several accusations of Chase security breaches of online accounts. Please stop Chases deceptive, unfair and abusive acts and practices. This has been a time consuming and stressful process. \n\nThank you, in advance, for your assistance.","date_sent_to_company":"2019-03-21T15:17:26.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"441XX","tags":null,"has_narrative":true,"complaint_id":"3186736","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-03-21T14:50:58.000Z","state":"OH","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["The other two charges ( XXXX XXXX and XXXX ) <em>were</em> permanently credited to my account after Chase <em>bank</em> researched and concluded the XXXX charges <em>were</em> not valid. I notified Chase customer service immediately to place Chase on notice that I disagree with the results of their investigation. Chase <em>corrected</em> the XXXX XXXX and XXXX unauthorized charges but <em>failed</em> to address the XXXX charges <em>when</em> all charges occurred within relatively the same time period."]},"sort":[13.08154,"3186736"]},{"_index":"complaint-public-v1","_id":"6661584","_score":13.040448,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XXXX, I obtained a mortgage with JPMorgan Chase Bank ( hereinafter, \" Chase '' ). Starting in XXXX, I had a hardship due to Covid, and in early XXXX filed a Hardship Declaration with Chase regarding my mortgage, asking for forbearance and loss mitigation relief. In XX/XX/XXXX, Chase offered me a trial plan and then wrongfully reneged on the trial plan. Chase also failed to grant a forbearance on my mortgage. On XX/XX/XXXX, I sent a legal letter/claim identifying Chase 's breaches and violations of law ( with supporting citations ), which led to Chase entering into a Settlement Agreement with me effective XX/XX/XXXX, followed by a Loan Modification Agreement effective XX/XX/XXXX ( hereinafter, the \" LMA '' ). \n\nI fully performed under both agreements, but Chase materially breached these agreements. Reading the two agreements together, most specifically Paragraph 2 and Exhibit \" A '' of the Settlement Agreement and Paragraph 2 of the LMA,  it is clear that my then-existing Home Equity Line of Credit ( HELOC ) was replaced with a 40-year mortgage at a fixed 4 % rate with monthly payments of {$1300.00} starting XX/XX/XXXX. The Principal balance was set at {$310000.00}, with a Deferred Principal Balance of {$23000.00} ( derived from the one year forbearance required from my Covid hardship that Chase wrongfully failed to provide for my mortgage ). Chase was also required to report these loan changes to all credit reporting agencies but failed to do so. \n\nI sent many requests to Chase asking Chase to change my account information at Chase.com and the Chase App from the old HELOC to the new Settlement Agreement and LMA. In response, Chase froze my account so I could not pay it directly or obtain any information about the account, including monthly statements. My Chase account remains frozen/locked out today. \n\nI also filed a dispute with XXXX asking that my Chase account be updated/fixed to include/reflect the changes set forth in the LMA and Settlement Agreement XXXX I sent these agreements to XXXX two times and confirmed receipt, asking the XXXX representative to read from each agreement so I could verify XXXX was considering the correct documents. XXXX twice denied my dispute and continues not to update my Chase account with current and accurate information. For example, my Chase account continues to be reported wrongfully as a HELOC with a credit limit of {$300000.00}, resulting in a credit utilization on my report of 114 % ; Chase has also failed to report my loan payments under the LMA ( which are current through XX/XX/XXXX ) and failed to report the one-year of forbearance on payments from XX/XX/XXXX - XX/XX/XXXX. When filing my Experian disputes, I contacted Chase 's attorneys and Chase asking them to look out for the dispute and respond correctly as per the Settlement Agreement and LMA. Chase failed to do so. In fact, this failure was intentional, as I learned when speaking with a representative of Chase 's mortgage escalation department. Chase 's attorneys have now stopped responding to my calls and emails, forcing me to again seek a formal legal solution due to Chase 's material breaches. FYI, in XXXX, I was forced to file a lawsuit in federal court against Chase for beach of this same mortgage, which lawsuit was resolved in my favor. \n\nAs a result of these failures my credit score is XXXX, and I am unable to refinance my home, which may cause me to lose my home in foreclosure. I am employed again full-time with significant assets, so if the Chase/XXXX  fixes were made, my credit score would be XXXX and I would be able to qualify for a refinance loan. I piurcahsed a new car in XX/XX/XXXX and because of ChaseXXXX XXXX failures, I had to make a large downpayment only to obtain an interest rate more than twice market rate, and my car insurance rate was also greatly increased.","date_sent_to_company":"2023-03-07T10:28:10.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"117XX","tags":null,"has_narrative":true,"complaint_id":"6661584","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-03-07T09:06:48.000Z","state":"NY","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["For example, my Chase account continues to be <em>reported</em> wrongfully as a HELOC with a credit limit of {$300000.00}, resulting in a credit utilization on my <em>report</em> of 114 % ; Chase has also <em>failed</em> to <em>report</em> my loan payments under the LMA ( which are current through XX/XX/XXXX ) and <em>failed</em> to <em>report</em> the one-year of forbearance on payments from XX/XX/XXXX - XX/XX/XXXX."],"product":["Credit reporting, credit repair services, or other personal consumer <em>reports</em>"]},"sort":[13.040448,"6661584"]},{"_index":"complaint-public-v1","_id":"3145162","_score":12.803216,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"CONTINUING FROM COMPLAINT ID XXXX. IT TOOK ME SOME GREAT TIME WITH THIS.TO RESPOND TO BBVA COMPASS LAST RESPONSE TO MY COMPLAINT.\n\nBBVA COMPASS KNOWINGLY THE STRESS, FRUSTRATION IT HAS CAUSED ME TO PROVE THAT THEY ARE WRONG. BBVA COMPASS KNEW THE ACCOUNT INFORMATION BEEN FALSE FOR QUITE SOME TIME. BBVA COMPASS REALLY ENJOYED GETTING OFF OF MY STRESS AND FRUSTRATION. SENSE BBVA COMPASS HAD CONFESSED THE INFORMATION ON CREDIT FILES IS FALSE BY REPORTING THE INFORMATION THROUGH XXXX XXXX XXXX XXXX TO XXXX. IT IS TIME TO STOP FIGHTING WITH ME. THE NEGAITIVE ACCOUNT SHOULD HAD BE REMOVED ALONG TIME AGO.REPORTING FALSE INFORMATION IS A NO NO KNOWINGLY IT WAS FALSE. \n\nMs. XXXX, according to your CFPB complaint, you allege that BBVA Compass ( the  Bank ) continues to report your charged-off XXXX  Credit Card Account ( # ... .XXXX ) after it was sold to XXXX XXXX XXXX. ( XX/XX/XXXX ) You allege that because the ( DEBT BUYER ) debt collection company was not registered with the Secretary of State of California, the debt collection company removed their account from your credit history with the credit reporting agencies ( THE COMPANY XXXX XXXX XXXX XXXX HAD REGISTER THERE ENTITY WITH SECRETARY OF STATE OF CALIFORNIA, FILE NUMBER XXXX ON XX/XX/XXXX AFTER I HAD FILED COMPLAINT S IN XX/XX/XXXX.. ON XX/XX/XXXX THE DEBT BUYER REMOVED THE UNSECURED ACCOUNT FROM FILES THE SAME DAY THAT SECURITY EXCHANGE COMMISSION FILED A LAWSUIT AGAINST THE COMPANY CASE #  XXXX AND THE SAME DAY BBVA COMPASS CLOSED MY XXXX   COMPLAINT. CASE # XXXX. BBVA COMPASS WAS AWARE OF THE REMOVAL AND THE LAWSUIT. ) Additionally, included with your ( CFPB ) complaint were copies of a number of your credit reports from the credit reporting agencies between XXXX and XX/XX/XXXX and you request the Bank to review the credit reports. ( BBVA COMPASS HAD THE CREDIT REPORTS ALREADY BEFORE THE COMPLAINT BY EMAILS, DISPUTES, COMPLAINTS IN THE PAST YEAR OF XXXX. ) It is your belief that the account was not accurately reported on your credit history with the credit reporting agencies ( BBVA COMPASS KNEW THE ACCOUNT WAS NOT ACCURATE ) and should have stopped being reported when the debt was sold ( XX/XX/XXXX, THE LAST MONTH TO REPORT ) to the debt collection company. \n\nLastly, you stated that you did not personally apply online for the credit card account. ( BBVA COMPASS KNEW FROM THE BEGGING XXXX, THAT THERE BUSINESS PARTNER XXXX AND BY PHONE WHO DID THE CONSUMER APPLICATION. BBVA COMPASS ACTING LIKE THEY DID NOT KNOW ANYTHING ABOUT THAT. ) As a result, you claimed that the third party, XXXX XXXXl, ( XXXX ) submitted the application stating a. ( BUSINESS PROJECTION INCOME {$150000.00} IN THE PERSONAL ANNUAL INCOME ) false income You request the Bank to remove the account from your credit history with the credit reporting agencies. ( DO TO THE DECEPTION, MISUSED OF CREDIT REPORTS THROUGH THE METRO 2 FORMAT SOFTWARE. ) In an effort to address your concerns, we have reviewed your account. Bank records indicate that a ( UNSECUTRF ) ClearPoints Credit Card Account ( # ... XXXX ) was opened in your name on XX/XX/XXXX. ( ACCORDING TO XXXX AND XXXX STATES XX/XX/XXXX. ) According to your complaint, a third party ( BUSINESS PARTNER ), XXXX XXXX, ( XXXX ) submitted the ( CONSUMER CREDIT ) application stating a ( BUSINESS PROJECTION INCOME OF {$150000.00} ) false income. It is the Banks belief that we did not have a business relationship with a company by the name of XXXX XXXX. ( XXXX XXXX STATED YOU ARE IN THE NETWORK PARTNERS OF LENDING. THE BANK DOESNT WANT TO GET INTO TROUBLE WITH THE CFPB, FEDERAL THE BANK STATED THEY HAVE NO RELATIONSHIP WITH XXXX XXXX THEN BBVA COMPASS NEEDS TO FILE A LAWSUIT AGAINST XXXX XXXX. XXXX GOES ONLINE EVERY DAY APPLYING FOR UNSECURED CONSUMER CREDIT CARDS BASED ON BUSINESS PROJECTION INCOME FOR START UPS FOR THE CLIENTS TO GET A HIGH CREDIT AMOUNTS. THE BANKS GETS NEW CUSTOMERS BASED ON CREDIT AND OUTRAGE PERSONAL ANNUAL INCOME WITHOUT ANY PROOF OF THE INCOME IT IS COMMON SENSE TO USE BUSINESS PRACTICE TO REQUEST PROOF OF INCOME BEFORE APPROVING THE CONSUMER APPLICATION SPECIALLY ON A OUTRAGE INCOME. \nXXXX  XXXX XXXX ALSO GOES BY XXXX XXXX XXXX BASED IN NEVADA XXXX XXXX  PARTNERS OF LENDERS WITH BBVA COMPASS, XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX AND XXXX XXXX IS ALL I KNOW. THESE BANKS ARE EASY TO RECEIVE UNSECURED CONSUMER CREDIT CARDS BASED ON CREDIT AND BUSINESS PROJECTION INCOME OUTRAGE PERSONAL INCOME FOR START UPS. I FELT THAT I WAS DECIEVED BY ALL PARTIES INVOLVED. XXXX XXXX STILL WORKING WITH THE LENDERS TO THIS DAY FILLING OUT ONLINE CONSUMER CREDIT APPLICATIONS WITH FALSE INFORMATION AT THE LENDERS WEBSITES..THERE ARE ALSO MANY OTHER COMPANIES LIKE XXXX XXXX WHO HAVE MANY OF THESE LENDERS IN THERE NETWORK OF PARTNERS IN LENDING. SO THESE BANKS HAS ALL THESE COMPANIES AT THERE WEBSITES FILLING OUT CONSUMER CREDIT APPLICATIONS. I WONDER HOW MANY ONLINE CONSUMER APPLICATIONS BBVA COMPASS RECEIVES IN A DAY WITH FALSE INCOME AND APPROVES THE CONSUMER APPLICATION? GOOD QUESTION!!!! ) ( BUSINESS PROJECTION INCOME IS A STATEMENT OUT LOOK OF THE BUSINESS  PROJECTION THAT MAY NOT HAPPEN OR IT MAY. IT IS FOR BUSINESS AND NOT FOR PERSONAL. ) The Bank received an online ( CONSUMER CREDIT ) application ( DONE BY XXXX ) for a ( UNSECURED ) XXXX Credit Card and based on the information ( CREDIT AND BUSINESS PROJECTION INCOME OF {$150000.00} ). obtained during the application process, the application was approved ( BASED ON CREDIT AND INCOME WITHOUT PROOF OF INCOME. MY PERSONAL INCOME YEARLY {$10000.00} FROM SOCIAL SECURITY GOT PROOF. BBVA COMPASS KNEW IT ) In our previous responses to your ( CFPB ) complaint, we stated that your account was closed and charged-off on XX/XX/XXXX ; however, that date is incorrect. ( BBVA COMPASS REALLY DOES NOT KNOW WHEN THE ACCOUNT CLOSED AND CHARGE OFF ACCRUED. GETTING THE INFORMATION FROM MY CREDIT REPORTS ) ( XXXX  XXXX REPORTS STATES XX/XX/XXXX CLOSED AND XXXX  XX/XX/XXXX AND XXXX XX/XX/XXXX ) On XX/XX/XXXX, ( GETTING THE INFORMATION FROM THE COPIES OF CREDIT FILES AND NOT FROM THERE SYSTEM. ) your account was charged-off due to nonpayment in the amount of {$11000.00} ( CREDIT REPORTS STATES FALSE AMOUNT {$12000.00}. and forwarded to our Recovery Department for collection. Between XX/XX/XXXX and XX/XX/XXXX, ( BBVA COMPASS REALLY DOES NOT KNOW WHEN THE ACCOUNT WENT INTO CLOSE, CHARGE OFF, COLLECTION AND SOLD. IT SEEMS THAT THE BANK CAN NOT KEEP A FILE ACCURATE ON THE ACCOUNT IN THEIR SYSTEM. ) your account was forwarded to our collection agencies in an effort to collect on the balance owed. No payments were made to the balance owed. ( BBVA COMPASS HAD CHANCES TO CORRECT THE CREDIT REPORTS ALONG TIME AGO ) We sincerely apologize that you were provided an incorrect date. ( BBVA COMPASS IS NOT SORRY, ACTING TO BE CONCERN WHEN THE BANK DOSE NOT..BBVA COMPASS IS ONLY APOLOGIZING JUST TO MAKE THEMSELF LOOK GOOD IN THE EYES OF CFPB TO KEEP OUT OF TROUBLE AND MANIPULATING CFPB TO TURN YOU INTO FOOLS FOR BELIEVING THEM. THAT IS WHAT BANKS DO TO STAY OUT OF TROUBLE ) VERY UNPROFESSIONAL OF THE BANK.. ) On XX/XX/XXXX the Bank sold your account to XXXX XXXX XXXX XXXX XXXX ., ( BBVA COMPASS STATED BANK SOLD THE ACCOUNT ON XX/XX/XXXX IN THE PREVOUSE COMPLAINT AND STATED IN THIS COMPLAINT XX/XX/XXXX. ACTUALLY THE ACCOUNT WAS SOLD XXXX XXXX. ) According to your ( CFPB ) complaint, you stated that account information was not accurately reported to the credit reporting agencies ( BBVA COMPASS KNEW THE ACCOUNT WAS NOT ACCURATE ) and provided your credit reports with your current ( CFPB ) complaint. ( BBVA COMPASS HAD THE CREDIT REPORTS THAT I SENT THEM BY EMAILS AND THROUGH OTHER COMPLAINTS AND CREDIT DISPUTES.. BBVA COMPASS ACTS IT WAS THE FIRST TIME RECEIVING THE CREDIT REPORTS SUBMITTED THROUGH THE CURRENT CFPB COMPLAINT. ) During our investigation into your concerns, ( BBVA COMPASS SHOULD HAD INVESTIGATED THE ACCOUNT WHEN I HAD FILED DISPUTES ALONG TIME AGO. ) we reviewed your credit reports and noted that they showed some inconsistencies regarding how the account was reported to the credit reporting agencies. ( BBVA COMPASS BEHAVIOR AND MISUSE OF CREDIT REPORTS. BBVA COMPASS KNEW ACTUALLY WHAT THEY WHERE DOING. BBVA COMPASS HAD IGNORED TO INVESTIGATE THE ACCOUNT MANY TIMES AND HOW THE ACCOUNT WAS REPORTED THROUGH THE METRO 2 FORMAT SOFTWARE EVERY TIME I FILED A COMPLAINT. BBVA COMPASS RESPONSE WAS THE ACCOUNT IS REPORTED CORRECTLY WHEN BBVA COMPASS KNEW IT WAS FALSE. THE ONLY REASON WHY BBVA COMPASS IS CONFESSING NOW THAT THE ACCOUNT NOT BEING REPORTED CORRECTLY TO CRB OF THE MISUSE AND NOW THEY WANT TO CORRECT THE REPORTS. I HAD MENTION I WAS GOING TO FILE A LAWSUIT AGAINST THEM HERE RECENTLY BY EMAILS. I HAD SAID WE CAN SETTLE THE CASE OUT OF COURT OR WE CAN GO TO COURT. NO RESPONSE BACK. I HATE HEAD PLAYERS. NOW THEY ARE CONFESSING OF REPORTING FALSE INFORMATION TO THE CREDIT BUREAUS. REMOVE THE ACCOUNT FROM ALL CREDIT FILES. IT IS ONLY FAIR DO TO THE BEHAVIOR OF BBVA COMPASS. ) We sincerely apologize for those inconsistencies ( BEHAVIOR AND MISUSED ) and have submitted an update to correct them with the credit reporting agencies. ( BBVA COMPASS BEHAVIOR, MISUSED AND APOLOGIZE IS NOT ACCEPTABLE. BBVA COMPASS HAD THE KNOWLEDGE OF REPORTING FALSE INFORMATION TO CREDIT BUREAUS THROUGH THE METRO 2 FORMAT SOFTWARE. BBVA COMPASS LEAVE MY CREDIT FILES ALONE. YOU HAVE NO RIGHT TO REPORT AND OR UPDATE ANYTHING IN TO MY CREDIT FILES. YOU HAD MANY CHANCE TO CORRECT THE FALSE INFORMATION.. BBVA COMPASS HAD IGNORE TO INVESTIGATE THE ACCOUNT MANY TIMES. NOW ALL THE SUDDEN BBVA COMPASS WANT TO CORRECT THE REPORTS. VERY UNPROFESSIONAL BUSINESS PRACTICES. ) I HAD SENT AN EMAIL TO BBVA COMPASS ON XXXX XXXX TO STAY OUT OF MY CREDIT FILES NOT TO REPORT AND UPDATE ANYTHING. BBVA WENT BEHIND MY BACK TO CHANGE XXXX   REPORT SEVERAL TIMES TO GET MY ATTENTION. REPORTS XXXX XXXX DATE OPEN XX/XX/XXXX, STATUS UPDATED XX/XX/XXXX, XX/XX/XXXX DATE OPEN XX/XX/XXXX, STATUS UPDATED XX/XX/XXXX, AND XX/XX/XXXX DATE OPEN XX/XX/XXXX, STATUS UPDATED XX/XX/XXXX. \nUpon further review of your credit reports, we were able to see the following information : Some of the credit reports showed that you were disputing information within the credit reports. In those cases, we would report that the account was in dispute and that dispute status could be listed for more than one month if you submitted multiple credit disputes to the credit reporting agencies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t should be noted that any disputes filed directly with the credit reporting agencies may not necessarily reach the Bank the same day that the disputes are filed with the credit reporting agencies.\n\nAccordingly, the Bank responded to the credit disputes indicated within the thirty ( 30 ) day time period specified by the Fair Credit Reporting Act When the Bank responded to the credit dispute, ( REPORTED CORRECTLY ) the date listed on the Date Reported field is updated. ( YOU CAN KEEP THE SAME REPORT DATE BY ADDING OR CHANGING INFORMATION WHICH BBVA COMPASS HAD DONE ) In some instances, a Not Reported ( NR ) status is listed for the account. This status shows that the Bank did not provide the credit reporting agencies with any ( NEW ) information on the account for the months after the charge off. ( REPORTING THE SAME FALSE INFORMATION THAT UPDATES THE REPORT DATE. YES BBVA COMPASS DID REPORT NEW INFORMATION TO THE CREDIT REPORTS. ALSO BBVA COMPASS REPORTED THE ACCOUNT ON FALSE REPORTED DATES AND REPORT THE ACCOUNT BY GOING BACKWARDS AND FORWARD. I KNOW WHAT ( NR ) MEANS. THERE ARE SOME REPORTS STATES ( OK ) MEANS THE ACCOUNT IS OK, ( DATA UNAVIALABLE ) MEANS INFORMATION NOT AVIALABLE, ( * ) MEANS PAYING AS AGREE, ( FP ) MEANS FAIL TO PAY AND THE ACCOUNT BEEN CLOSED THREE TIMES ON DIFFERENT DATES. BBVA COMPASS WAS REPORTING THE SAME INFORMATION AND NEW INFORMATION AFTER SOLD OF THE DEBT XX/XX/XXXX. I ALSO HAVE AFEW CREDIT REPORT THAT I OVER LOOKED AND INFORMATION. Although the Bank no longer owns your account, ( THEN YOU HAVE NO RIGHT TO REPORT THE SAME INFORMATION AND OR UPDATE ANYTHING. ) you had an account with the Bank and the account will be reported on your credit history ( ALONG WITH FALSE INFORMATION ) with the credit reporting agencies for a period of seven ( 7 ) years. The account will be removed from your credit history around XX/XX/XXXX. Your request to have the account removed from your credit history with the credit reporting agencies is respectfully denied. ( BBVA COMPASS DO YOU WANT TO GO TO COURT OR DOSE BBVA COMPASS WANT TO SETTLE OUT OF COURT?","date_sent_to_company":"2019-02-07T00:52:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"95209","tags":null,"has_narrative":true,"complaint_id":"3145162","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BBVA FINANCIAL CORPORATION","date_received":"2019-02-06T22:51:41.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["No payments <em>were</em> made to the balance owed. ( BBVA COMPASS HAD CHANCES TO <em>CORRECT</em> THE CREDIT <em>REPORTS</em> ALONG TIME AGO ) We sincerely apologize that you <em>were</em> provided an incorrect date. ( BBVA COMPASS IS NOT SORRY, ACTING TO BE CONCERN <em>WHEN</em> THE <em>BANK</em> DOSE NOT..BBVA COMPASS IS ONLY APOLOGIZING JUST TO MAKE THEMSELF LOOK GOOD IN THE EYES OF CFPB TO KEEP OUT OF TROUBLE AND MANIPULATING CFPB TO TURN YOU INTO FOOLS FOR BELIEVING THEM."],"product":["Credit reporting, credit repair services, or other personal consumer <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[12.803216,"3145162"]},{"_index":"complaint-public-v1","_id":"2853173","_score":12.356231,"_source":{"product":"Checking or savings account","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) Federal Bureau of Investigations ( FBI ) XXXX XXXX XXXX ( XXXX ) I request to file a complaint against Wells Fargo Bank for allowing fraud to occur with our checking account. Note ; the federal government deposits funds into this account each month! Now, we have had multiple issues with Wells Fargo Bank. Around the year XX/XX/XXXX, we had a mortgage on our previous property located at XXXX XXXX XXXX  XXXX XXXX Nevada XXXX with XXXX XXXX  ( loan # XXXX ) located at XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX. Please see attached documentation! On a Friday, I deposited my payroll check into Wells Fargo Bank. Then, we wrote a check to XXXX XXXX  for our mortgage. We were notified by XXXX XXXX  that our check was returned for Non sufficient funds ( NSF ). We contacted Wells Fargo Bank and found that they put my payroll check into someone elses account which caused my mortgage payment to be not paid. Then, Wells Fargo corrected the issue but XXXX XXXX said that they would not accept any more checks from us and that we needed to pay by cashiers check or money order! \nThen, on XX/XX/XXXX, Wells Fargo Bank sent us a letter stating, on XX/XX/XXXX ( reference # XXXX ), we process an ATM deposit of {$1500.00} to your account XXXX. The deposit amount entered at the ATM was {$1500.00} but the actual amount received in the envelope was {$0.00}. As a result of this difference, we have debited your account {$1500.00}. Please see attached letter. Then, on XX/XX/XXXX, one day later, Wells Fargo Bank sends us another letter ( reference # XXXX ) stating ; recently we processed a deposit of {$1500.00} to your account XXXX. An adjustment of {$1500.00} posted to your account ; however, this correction was in error and has been reversed. Please accept our apologies for any inconvenience this may have caused. As a result of this reversal, we have credited your account {$1500.00}. Please adjust your records to reflect this change. Please see attached letter! We were having issues with Wells Fargo and Wells Fargo kept charging us NSF charges. \nThen, on XX/XX/XXXX, a fraudulent electronic check ( check # XXXX ) went through our checking account ( XXXX ) and Wells Fargo Bank paid the check! This check was payable to XXXX XXXX XXXX XXXX. Please see check image. Note ; we did internet research on XXXX XXXX XXXX XXXX and this company does not exist. I even contacted a company that the name was similar to this company and they said that they received a lot of calls regarding bank fraud from this fictitious company! I then notified Wells Fargo Bank regarding what I learned and they said that they made a note of it! Then, on XX/XX/XXXX, we called Wells Fargo Bank regarding this check fraud. Wells Fargo stated that they will open a fraud case and freeze our account. Wells Fargo further stated that we would need to open another account and transfer our automatic bill pay and direct deposit to the new account. Wells Fargo Bank asked us what is coming out of our account and I stated XXXX XXXX XXXX XXXX, XXXX and XXXX with amounts. Wells Fargo stated to throw away our checks and no check would be cashed on our frozen account! Wells Fargo Bank filed the fraud claim regarding this check because we never gave our information to this company nor did we authorize this check in the amount of {$29.00}. \nOn XX/XX/XXXX, Wells Fargo Bank credited our account for this check fraud claim. Please see our bank statement printed on XX/XX/XXXX. \nThen, we were about to open another account when we were told not to open another account in Wells Fargo Bank because it may be a breach in there system as XXXX XXXX had and that we may have the same issue. Per our bank statement, on XX/XX/XXXX, we received another electronic check ( check # XXXX ) that went through Wells Fargo Bank without our authorization. This check was written on XX/XX/XXXX to XXXX XXXX XXXX XXXX in the amount of {$30.00}. This time, I caught the fraudulent check before Wells Fargo Bank paid it as Wells Fargo Bank did with the previous fraudulent check. Please see attached fraudulent check with bank statement! I went into the Wells Fargo Bank branch located at XXXX and XXXX here in XXXX XXXX Nevada. I spoke with XXXX XXXX regarding this issue. He called Wells Fargo Bank and spoke with the fraud department. Wells Fargo Bank filed another fraud complaint and I requested a phone call from the fraud department regarding this issue. A couple days later, Wells Fargo Bank fraud department called me on my cellular phone. They stated that they reversed the charges for the fraudulent check. I asked her why Wells Fargo Bank allowed the check to post to our account when our account was frozen on XX/XX/XXXX. She said she didnt know why. I asked her if Wells Fargo Bank is going to contact the police department or the FBI regarding this fraudulent banking issue and Wells Fargo said no, that we can go and file a police report ourselves! That was when I stated that I will file a report/complaint against Wells Fargo Bank along with the companies or persons that are committing the bank fraud! \nNow, in order to get a free savings account, we had to have an automatic transfer each month. We chose to have {$25.00} each month go to our savings account. When Wells Fargo Bank froze our checking account, Wells Fargo Bank was not able to transfer the {$25.00} from our checking account to the savings account. Wells Fargo Bank charged us {$5.00} each month on XX/XX/XXXX and XX/XX/XXXX! Please see attached bank statements regarding these charges! Wells Fargo Bank should have never charged us due to the circumstances. We have been a member of Wells Fargo Bank for over 20 years. We closed our account with Wells Fargo Bank on XX/XX/XXXX since Wells Fargo Bank failed to protect our money in their bank and failed to go after these people or companies that committed bank fraud! \nThe facts are ; Wells Fargo Bank failed to address this issue correctly. Wells Fargo Bank made us believe that our funds in our bank account were secure after our account was frozen! Wells Fargo Bank will not admit that their computer system had a breach because if they did admit it to government agencies, it may get out to the public and the people may close their accounts due to the issues that just occurred with us! Wells Fargo Bank charged us unnecessary fees and caused banking issues in the past which Wells Fargo Bank must be held accountable for their action. \n\nWe request that the CFPB forwards this complaint over to the FBI, the attorney generals office, the Office of the Comptroller of the Currency ( OCC ) and any other agencies that govern NA banks! We request action taken against Wells Fargo Bank for abuse and these companies/people for bank fraud. \nWells Fargo Bank along with these companies/people must be held accountable for their actions including but not limited to the following ; fines being imposed, loss of business license, criminal charges filed, incarceration, lawsuit, and compensation to us which we are victims of bank fraud!","date_sent_to_company":"2018-03-24T05:12:06.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"89156","tags":"Servicemember","has_narrative":true,"complaint_id":"2853173","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-03-24T05:00:43.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["We closed our account with Wells Fargo <em>Bank</em> on XX/XX/XXXX since Wells Fargo <em>Bank</em> <em>failed</em> to protect our money in their <em>bank</em> and <em>failed</em> to go after these people or companies that committed <em>bank</em> fraud! \nThe facts are ; Wells Fargo <em>Bank</em> <em>failed</em> to address this issue <em>correctly</em>. Wells Fargo <em>Bank</em> made us believe that our funds in our <em>bank</em> account <em>were</em> secure after our account was frozen!"]},"sort":[12.356231,"2853173"]},{"_index":"complaint-public-v1","_id":"4590622","_score":11.910735,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"In XXXX of XXXX, I obtained a loan for the amount of {$4300.00} from Onemain Financial an interest rate of XXXX percent per day. Around XXXX of XXXX, I defaulted on a payment. They attempted to pull the payment twice from my bank account but it did not go through. Around the beginning of XX/XX/XXXX, they attempted to pull the payment twice from my bank account again and each time not only did they incur NSF bank fees from my bank, Onemain added two additional returned check fees for the same XXXX payment ( one was an attempted try and the other was a retry ) even though attempting a third and fourth bank charge after two consecutive failures.\n\nThese actions were a violation of CFPB regulation on Prohibited Payment Transfer Attempts and not only were these attempts unauthorized but Onemain added an additional XXXX dollars in return check fees that was added to my principal balance which racked up additional interest charges. It was only after the fourth and last attempt in the year of XXXX to charge my bank account did Onemain stop charging my bank account for any future payments for that year : https : //www.consumerfinance.gov/rules-policy/regulations/1041/interp-8/ # : ~ : text=When % 20the % 20prohibition % 20in % 20 % C2 % A7 % 201041.8 % 20 % 28b % 29 % 20applies % 2C, the % 20lender % 20seeks % 20to % 20initiate % 20further % 20payment % 20transfers ) 5. \n\nI continued to struggle to make payments. The only relief or assistance to make those payments from Onemain Financial was to defer XX/XX/XXXX 's payment until XX/XX/XXXX 's due date with both XXXX and XXXX payments were due. This was not enough to assist me ( though this was due to my loss of income and would continue to be true with or without the deferral ) and help me get back on track and I did not make another payment until the end of XX/XX/XXXX. By this time, Onemain stated that I had a balance of about {$4200.00} and I continue to miss payments. It was almost 180 days of no payments before I reached out to Onemain Financial to settle the debt. \n\nAccording to federal law, a close end loan company is supposed to send accounts that are 120 days past due to collections. Indeed, when I called Onemain financial closer to the 180 days of nonpayment, which was around XXXX of XXXX, I was informed that the account was in collections. The amount that is sent for collections must have the entire amount listed as overdue, including any interest charges : ( https : //www.fdic.gov/regulations/laws/rules/5000-1000.html ). \n\nAt the end of XX/XX/XXXX, I received my divorce settlement and proceeded to contact creditors so that I could pay off my debt. Around the beginning of XXXX of XXXX, I contacted Onemain Financial to arrange a payment settlement. We reached an agreement of about {$2500.00}. I was informed that the debt was about {$4000.00} which I reported around XXXX and/or XXXX of XXXX and was confirmed by some copies of statements provided by Onemain that listed the amount of about {$4200.00} ( about and/or the same amount that was listed as due since XXXX of XXXX with minimum if any change ). \n\nI was informed that I would first have to bring the account out of collections and the amount I would have to pay would be about {$1200.00} and the rest of the settlement agreement that was again, settled for an agreed amount of about {$2500.00} would be made in six monthly payments. That payment was processed over the phone even though in a response to me made by Onemain Financial through the CFPB back in around XXXX of XXXX was that they had only spoken to me about my account about two times and the dates given that they spoke to me were about XXXX and XXXX of XXXX. However, my bank statement clearly shows a one time transaction by Onemain Financial on about the XXXX or XXXX of XXXX of XXXX and my emails prove that I did not sign up for an online account with Onemain Financial in XXXX until about XX/XX/XXXX. \n\nIndeed, it was during this time that I set up a XXXX month time period to pull payments from my bank account. This is an important fact because later of about XXXX of XXXX, in a representation of a statement provided by Onemain, they informed me they were going to continue to remove payments from my bank account even though the six month time period I had approved was due to expire in XXXX of XXXX and even after I verbally told them NOT to remove any money from my bank account in about XX/XX/XXXX after their agent yelled at me after a dispute of the account, insisting that the amounts owed were due to late fees and I told her that until they provided me with all requested documents of the account, they could not take anymore money from my account. She responded by hanging up on me. \n\nIn about XXXX of XXXX, Onemain does admit through a CFPB response to me that I requested information on that date and that they did not send the requested documentation and explanations but was silent over the fact that I had told them not to take any more payments from my account. They did not send any paperwork to confirm my verbal notification to not pull any more money from my bank account and Onemain Financial continued to pull my money out of my bank account in the months of XXXX, XXXX, and XXXX of XXXX without my permission. They attempted twice to pull out payments from my account in XXXX of XXXX while for the month of XXXX they did not pull payments but instead sent me notification that they would continue to pull payments from my bank account even though they did not have written permission to pull from my bank account which should have ended in XXXX even if I had not told them to stop pulling money from my account in about XX/XX/XXXX. Yet, Onemain decided that they could and would pull unauthorized payments from my bank account and continue to pull money from my account in XXXX of XXXX after three failed attempts to pull money from my account ( twice in XXXX and once in XXXX of XXXX and this does not include the two attempted failures to pull money from my account back in XXXX of XXXX ). As the unauthorized attempts to pull money from my bank account continued, so did the returned check fees from Onemain ( which were added to my principle and accrued additional interest fees ) and the NSF charges from my bank.\n\nThe dispute over the account began after my principal balance had not come down. I believed at first that Onemain just needed some time to adjust the balance and that they would honor their payment settlement they established with me. I had trusted them to do the right thing and send me the paper work on the payment settlement and to adjust the balance according to the amounts I had paid to them. If the exact amount was\n{$2500.00}, then the {$1200.00} should have brought down the balance to about {$1200.00}. Instead, the balance was at about {$3800.00} even though the balance given to me by Onemain Financial was about {$4000.00}. Even if a {$2500.00} payment settlement had not been made ( which it had been made ), my balance should have been about {$2900.00}, if the balance was indeed about {$4200.00} as reported on my credit report and likely as reported when it went to collections ( Onemain Financial refused to provide all documents they had on my account even after multiple requests but they still have not provided all the documents on my account ). For my balance to only have been brought down to about {$3800.00}, this would mean\nthat Onemain Financial considered my actual balance to be about {$5000.00}. This is almost or about a XXXX dollars more than the reported amount Onemain ( with all the additional interests that comes with such an amount ) stated I owed. None of my statements listed that I specifically owed that amount and the only possible way that it could have been that high had to be due to interests but Onemain consistently refused provide me with documents for the total amount of my balance. Instead, they provide a math calculation for interest and leave the consumer to work out the interest they may owe on their own. In fact, it took months for me to work it out due to having to guess which late fees they decided to add, with all the returned check fees they added to the principal. I spent more time attempting to figure out my balance with Onemain while prepping for a lawsuit from the debt buyer that Onemain sold the debt to as opposed to having time to search federal and state finance laws as a defense of that lawsuit.\n\nHad Onemain been open and honest with me back in XXXX of XXXX, this debt would have been resolved because there was no way I wanted additional years of payments and high interest rates that came with that loan. Onemain should have been honest and provided the entire balance that I owed on the day that I called to make a settlement payment with them. If they were not willing to settle then they could have at least helped me bring my balance to where it should have been in XXXX of XXXX so that I would not continue to accrue high interest charges with about an additional year of payments that were not part of the original contract.\n\nHad Onemain provided the information in XXXX of XXXX with at least an apology and legal and legitimate reason why they could not honor the {$2500.00} settlement agreement, then I would have paid the entire balance then when I had the money to pay the balance. Instead, I was yelled at and the agent hung up on me. Onemain chose not to send me the requested documents and they chose to take unauthorized payments from my accounts while charging me returned check fees from unauthorized payment attempts from my account. I lost that bank account ( though USAA does still provide me archive records of the account ) due to all the returned payments on that account, some that happened because Onemain decided they could make unauthorized charges to my bank account. Their continued actions against my bank account felt malicious and spiteful. None of this was in my best interests as a consumer.\n\nInstead, it was in their best interests not to inform me of the entire balance I owed back in XXXX of XXXX when I first called them. It was in their best interests for me to continue to pay high interest fees on extended payments for almost a year and a half as if I had started the loan in XXXX of XXXX as opposed to XXXX of XXXX. Not only were their actions not in my best interest but their actions have caused grievous financial, emotional, and mental harm. \n\nOnemain has had since XXXX to make things right on my account. I requested true and accurate records of my account and balance, specifically what I was charged in interest. These documents have still not been provided. I have fought with them to correct my credit reports. They did not do as such until XXXX of XXXX when they only removed the information they had against me. They did not go back and correct any amounts that was not due to them. They made no attempts to right the most severe incidents of harm they committed against me. Instead, after XXXX of XXXX, XXXX XXXX, Onemain Financial 's buyer of my account went forward with a lawsuit against me. Instead, Onemain gave a perception that I had simply went online to catch up payments and I had no questions about my account other than a payoff quote. Then I just apparently went delinquent sometime after asking for paperwork and statements of my interest and other charges on my account before they had to send it to collections. My documentation proves that I had been in contact with Onemain before they said I contacted them from the payment of about {$1200.00} that was made before I established an online account, as does their own representation of XX/XX/XXXX 's billing statement that stated I had only set up online payments for six months, as does my email confirmations of enrolling in online payments on or about XX/XX/XXXX. They seem to have also forgotten that most of their withdrawal of payments from my banking account was unauthorized. 5 I suffer from a Major Depressive Disorder and anxiety. It is part of my VA XXXX rating which is about XXXX percent of my rating for VA XXXX pay. Prior to the lawsuit that was based on wrong information provided by Onemain Financial to XXXX XXXX, I already had been engaged in a custody fight with my ex-husband which could determine if I become homeless or not. This in on top of the stress I have in completing my classes for college. The lawsuit drained me and triggered severe XXXX and migraines that left me in bed for two days. I missed my court hearing even though a judgement from a lawsuit could destroy my attempts to obtain housing should I lose possession of the home I reside. XXXX XXXX won the lawsuit upon default but had Onemain Financial addressed the issues with the account as they were mandated by federal law to address then my account never would have gone to XXXX XXXX and I would not be facing homelessness or needing treatment for increased suicidal ideations. \n\nI did take out the loan with Onemain Financial. I did default on the loan with Onemain Financial. In XXXX, they did attempt to work with me to help me catch up on my payments ( even though they did make unauthorized charges to my bank account and added their own fees to the loan amount ). The default and serious delinquency on my account was and is entirely my fault. However, once I had the money to pay Onemain Financial, I did reach out to them and I did make good on my word to pay that initial payment of about {$1200.00} as proof that I was serious about paying off the debt. I did my best to make things right with Onemain Financial. I had trusted them to return the courtesy and help me settle the debt so I did not continue in a long term, high interest rate payment that dragged on for years. That was never my intent when I took out the loan. My intent had always been to pay off the loan once I obtained my divorce settlement. \n\nWhat I did not expect was for Onemain Financial to take unauthorized payments from my account after they refused to send me requested documentation of my account which was after they reached a settlement agreement with me only to renege upon that agreement and behave as though that settlement agreement never happened ( even though according to their own representation of their billing statement of XX/XX/XXXX, they do inadvertently admit to the six month online payments I established in XXXX of XXXX ). I did not expect for them to yell at me or hang up on me. I did not expect them to handle the issue according only to their best interests even though they already knew I had trouble making payments on that loan. \n\nThen they reported inaccurate statements on my credit reports that was allowed to remain for years even after I challenged them and only pulled them off after I complained to the CFPB. Then the lawsuit followed that was won against me - was only initiated based on the lack of correct information that Onemain refused to provide and I am left feeling powerless and insignificant because I do not have the resources or power that Onemain Financial has - especially the power to have a significant adverse effect on my life. Even though Onemain has been provided with years to make accurate updates to my account ( which would have brought the balance down closer to XXXX  if not XXXX dollars ). \n\nThese behaviors are illegal, dishonest, and are nothing more than exploitation. It is long overdue for Onemain Financial to make this situation right.","date_sent_to_company":"2021-07-30T08:03:04.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"30907","tags":"Servicemember","has_narrative":true,"complaint_id":"4590622","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2021-07-30T05:05:33.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have fought with them to <em>correct</em> my credit <em>reports</em>. They did not do as such until XXXX of XXXX <em>when</em> they only removed the information they had against me. They did not go back and <em>correct</em> any amounts that was not due to them. They made no attempts to right the most severe incidents of harm they committed against me. Instead, after XXXX of XXXX, XXXX XXXX, Onemain Financial 's buyer of my account went forward with a <em>lawsuit</em> against me."],"issue":["Problem <em>when</em> making payments"]},"sort":[11.910735,"4590622"]},{"_index":"complaint-public-v1","_id":"12028314","_score":11.815475,"_source":{"product":"Mortgage","complaint_what_happened":"As of today's date, I have not heard from Wells Fargo regarding if I'm impacted by the CFPB settlement. From XXXX XXXX XXXX I attempted XXXX loan modifications and was declined/denial every time followed by XXXX foreclosure notifications.   foreclosure and bankruptcy financially have ruined my credit. I'm seeking recovery of all damages available under the law including compensatory and punitive damages as well as attorney fees and costs. HAMP required mortgage Wells Fargo the mortgage servicer to offer loan modifications to borrowers who met certain threshold requirements. These modifications would lower a borrowers mortgage payments to a manageable \nlevel (typically XXXX  percent of the borrowers monthly income) and allow the borrower to avoid foreclosure. Unfortunately, this did not happen. However, Wells Fargo, because of an alleged faulty calculation failed to offer a loan modification. Instead, Wells Fargo needlessly tried to foreclose on my Home. Wells Fargo has attempted to cast its conduct here as resulting from a faulty calculation. However, Wells Fargos problem goes much deeper than a single miscalculation. Wells Fargos conduct here reflects the same type of extreme and outrageous conduct that has embroiled Wells Fargo in a string of public scandals. This software determined customers eligibility for a \ngovernment-mandated mortgage modification during a time of extreme financial distress. Its importance to these customers lives cannot be overstated. Yet Wells Fargo not only failed to verify that its software was correctly calculating whether customers met threshold requirements for a mortgage modification, it also failed to regularly and properly audit the software for compliance with government requirements - allowing life-changing errors to remain uncorrected for years on end.\n\nWells Fargo Admits Loan Modification Error, Wrongfully Foreclosed on Homes\nA quarterly filing with the Securities & Exchange Commission in August XXXX revealed that Wells Fargo made an error in denying mortgage modifications to hundreds of borrowers. The securities filing says that Wells Fargo discovered a calculation error in its automated software for calculating whether a borrower should be offered more favorable loan terms instead of foreclosure. Wells Fargo says the error affected XXXX homes that were in the foreclosure process between XX/XX/XXXX, and XX/XX/XXXX.\nIn XXXX XXXX Wells Fargo revised its estimate, announcing that the miscalculation affected XXXX homes that were going through foreclosure between XX/XX/XXXX, andXX/XX/XXXX.\nAs Wells Fargo explains, two federal government programs require Wells Fargo and other lenders to offer loan modifications to keep people in their homes when they are in default, rather than going through the expensive process of foreclosure. Wells Fargo did not comply with this law, it says, due to a software glitch that affected XXXX  mortgages that were in default. Ultimately, XXXX homes were foreclosed on, when a mortgage modification should have been offered, according to Wells Fargos disclosures.\nSenators Agree: Wells Fargo Computer Glitch Compensation Program Is Inadequate to Repair Damage from Wrongful Foreclosure\nWells Fargo says it has set aside XXXX million to remediate the wrongful disclosures caused by the software miscalculation. Split amongst the XXXX people, Wells Fargo says it wrongfully foreclosed on, which would amount to only about XXXX per person. But reportedly, the checks Wells Fargo is sending out are lower than that. Wells Fargo is telling people they can go to mediation if they want more money.\nSenator XXXX XXXX  said of Wells Fargos remediation plan: Setting aside a few thousand dollars for each of the people affected. Pathetic. According to Senator XXXX who sits on the Senate Banking Committee, Wells Fargos remediation plan does not offer nearly enough to compensate for the devastating ripple effect a foreclosure can have, including the stress and trauma of losing ones home, related health problems, and destroy[ing] peoples credit. Senator XXXX continued:\nIt is hard to imagine how Wells Fargos estimate of XXXX million for remediation would come close to remunerating impacted customers.\n\nList of Challenges and Issues Ive had with Wells Fargo over the last XXXX  years. Starting from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I entered a XXXX XXXX XXXX XXXX XXXX  This loan was predatory. A predatory loan is a fraudulent and unfair, deceptive, or abusive loan that can trap borrowers in debt. Predatory lenders often target people who are in financial need. \nDue to the nature of the pick-a-payment loan, the monthly payment increased to an amount that I could not pay so I ended up filing for Bankruptcy in XXXX to remain in my home. In XXXX XXXX XXXX fell as a bank due to pick-a-payment loans and was acquired by XXXX In XXXX XXXX  was acquired by Wells Fargo as it also fell due to pick-a-payment loans. In XXXX XXXX XXXX my bankruptcy was discharged, and as such XXXX  issued a 1099c stating my debt had been canceled and that I was no longer responsible for the debt. However, my loan with XXXX was never reaffirmed nor was the lien released. However, the security deed was not updated to reflect any changes to my loan. \n\nIn XXXX I was given a loan modification by XXXX and issued another 1099c also cancellation of debt.  Also, in XXXX  I was given another modification by Wells Fargo but not issued a 1099c. In XXXX I was given another modification but this time I was but into a XXXXyear loan and Wells Fargo updated the security deed to reflect the new loan amount and to show Wells Fargo as the lien holder.    \n\nXXXX  Wells Fargo increased my mortgage to XXXXyear loan. They Modified my mortgages and told me if I dont agree with the XXXX-year term, I will most likely lose my home to foreclosure. \nAfter signing the XXXX-year loan modification I later found out Wells Fargo added a XXXX mortgage (stealth modification).\nAs the country tried to crawl out of the last recession, homeowners across America sought mortgage modifications to make their home loans more manageable. However, some homeowners say that Wells Fargo not only modified their loans without asking but that this lower rate added years  perhaps decades  to the terms of their mortgages. Wells Fargo has once again found itself in the middle of a growing scandal, as the bank faces accusations of making unauthorized changes to the mortgage loans held by customers who have entered bankruptcy.\nThis issue came to light after multiple homeowners sued the bank, claiming it had changed the terms of their mortgages without permission. While its unclear just how many of these modifications Wells Fargo has made, at least seven lawsuits, including one potential class-action complaint, have been filed against the bank.\nThe class-action lawsuit [PDF], filed in a federal court in North Carolina, accuses the bank of making at least three improper modifications to one couples mortgage beginning in XXXX. The couple filed for XXXX XXXX bankruptcy, which allows people to reorganize their finances while they work toward getting out of debt, in XXXX XXXX. According to the complaint, they were surprised to find in XXXX XXXX that Wells Fargo had filed a stealth modification to their mortgage even though their bankruptcy plan had been approved by the court.\nAny modifications to a bankruptcy plan must be approved by the court and those involved in the case. However, in this case, the couple claims they never agreed to allow Wells Fargo to change their loan terms. The filed modification, which was part of a loan modification trial process at Wells Fargo, lowered the couples monthly mortgage payments from XXXX XXXX XXXX.\nWhile paying a few hundred dollars less each month might be nice, buried deep in the terms of the modification was notice that the mortgage had been extended to XXXX years.\nUnder the couples XXXX XXXX plan, they were to pay their remaining XXXX  mortgage over 14 years, incurring about XXXX in interest charges. With Wells Fargos unauthorized extension, they would pay the remaining mortgage amount over an additional XXXX years, incurring not only the XXXX interest charges already planned, but an additional XXXX XXXX XXXX  depending on interest rates.\nTo make matters worse, the couple claims the Wells Fargo notice of modification implied that they would lose their home if they did not accept the modification.\nBy following the steps outlined below, you can begin to restore your mortgage account to good standing, the notice stated. If you fail to take the following steps and continue to miss or make late mortgage payments, you risk further damage to your credit and possibly foreclosure of your home.\nThe lawsuit claims that the couple should not have been in danger of foreclosure as they had not missed any payments before filing for bankruptcy and had made all planned payments that had come due.\nFollowing the filing of this modification, the couple claims that Wells Fargo filed similar changes with the court in XXXX XXXX XXXX XXXX XXXX, neither of which were approved or requested by the couple.\nAccording to the lawsuit, Wells Fargo may have submitted the modification plans to enrich itself through incentive payments by the U.S. government.\nThe New York Times reports that some lenders take part in certain programs designed to encourage loan modifications for troubled borrowers. In these cases, the bank can receive up to XXXX from government programs for each loan it adjusts.\nAdditionally, the lawsuit claims that by modifying the loans for a longer term, Wells Fargo can collect millions of dollars in additional interest and servicing fees.\nAllegations found in the North Carolina class-action lawsuit have been detailed in several other complaints against Wells Fargo, the Times reports.\nIn one case, XXXX XXXX XXXX a Texas lawyer, tells the Times that he first thought Wells Fargo had made a simple clerical error when it came to a clients loan modification. But after looking into the issue he found a pattern of filing false documents with the federal court.\nThese modifications, he says, wreaked havoc on the customers finances and bankruptcy reorganization. XXXX tells the XXXX that one of his clients, who filed for bankruptcy in XXXX XXXX, received a letter in XXXX from the bank notifying them that they had been approved for a trial loan modification. While the couple didnt approve or request the changes, the bank submitted them to the court.\nIn this case, the payments were reduced from XXXX XXXX XXXX While the client had a plan in place to repay their loan in XXXX  years, the modification extended that time to 40 years, increasing interest charges by an extra XXXX\nA spokesperson for Wells Fargo tells the Times that the bank denies the claims made in the lawsuits, contending that both the borrowers and courts were notified of mortgage modifications properly. As for pushing through modifications without borrower approval, the rep says, We do not finalize a modification without receiving signed documents from the customer and, where required, approval from the bankruptcy court.\n\nXXXX  Wells Fargo Mortgage Servicing Violations\nSoftware Miscalculations: A glitch in the banks automated system incorrectly calculated that certain homeowners did not qualify for mortgage modifications, leading to wrongful foreclosures.\nLoan Modification Denial: Wrongfully denying eligible borrowers the opportunity to modify their mortgages, resulting in avoidable defaults and eventual foreclosures.\nFailure to Offer Modifications: Banks failed or delayed in offering loan modifications to homeowners who qualified under federal programs, leading to foreclosure even though the borrowers were entitled to more favorable modified loan terms.\nInaccurate Loan Reporting: Erroneously reporting some borrowers as being ineligible for mortgage relief, preventing them from accessing loss mitigation programs that could have saved their homes.\nImproper Fees and Interest Rate Miscalculations: Improperly charging fees and miscalculating interest rates on adjustable-rate mortgages have caused significant financial losses for homeowners.\nMisapplied Payments: Some homeowners reported that payments intended for mortgage modifications were misapplied, causing confusion and leading to wrongful foreclosure due to perceived defaults.\nFailure to Implement Federal Guidelines: Failing to follow federal mortgage relief guidelines that require loan modifications before initiating foreclosure proceedings.\n\nLoss of Mortgage Documentation: Errors in internal systems caused the loss of critical loan documents, which resulted in homeowners being wrongfully denied mortgage modifications.\n\nInadequate Communication: Poor communication practices from banks led to homeowners missing crucial modification deadlines, ultimately resulting in foreclosure even though they were eligible for assistance.\n\nNegligence in Monitoring Errors: Even after discovering errors that caused wrongful modification denials, banks failed to act promptly to rectify the issue, prolonging the harm to homeowners.\n\nFailing to honor your forbearance agreement.\nForeclosing earlier than allowed by recent federal protections put in place due to the COVID-19 pandemic.\nEngaging in practices that violate the 1968 Truth in Lending Act (TILA)\nFailing to comply with your loan modification agreement; and/or\nFailing to give you timely notices you are entitled to receive under federal and state law, such as a notice of default, or a pre-foreclosure breach notice.\n\n4-\tIve received two checks from Wells Fargo\nWhy is Wells Fargo Sending Settlement Checks Now?\nWhile the exact reason Wells Fargo is sending out these settlement checks remains unclear, the bank has likely uncovered a major servicing violation, like the issues outlined above. These violations may have occurred over several years before being discovered. Given the severity of these errorspotentially leading to homeowners losing their properties through foreclosureWells Fargo is likely issuing these checks as a preemptive effort to settle legal claims before they escalate into more costly lawsuits in the future.\nHow Big Are the Settlement Checks from Wells Fargo?\nBased on clients lawsuits, the settlement checks typically range from XXXX XXXX XXXX  with higher amounts indicating more serious violations. If you receive a very large, unsolicited settlement check in the mail, this could be a sign that your case is particularly strong, making it essential to consult with an attorney. \n\n5-\tIssues highlighting the challenges I have faced when seeking loan modifications with Wells Fargo. Wells Fargo loan modification problems include:\nDenial of Loan Modifications: Many borrowers report being denied loan modifications, often without clear reasons.\nDocument Submission Issues: Borrowers frequently have to send in the same document multiple times, leading to frustration.\nConfusion About the Process: Many homeowners feel uncertain about the status of their applications and the overall process.\nNegligence in Handling Applications: There have been claims that Wells Fargo acted negligently in denying modifications to eligible borrowers.\nWidespread Mismanagement: Reports indicate that Wells Fargo has made errors that resulted in the wrongful denial of loan modifications and other issues affecting mortgage customers.\n\n6-\tHarm Done by Wells Fargo Loan Modification Error, Wrongfully Foreclosure \na.\tSevere Emotional Distress XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\tWrongfully attempted Foreclosure XXXX times XXXX XXXX XXXX XXXX XXXX XXXX.\tHired 3rd party agencies to assist with modification and to stop or avoid foreclosure XXXX XXXX  Had to liquidate retirement accounts to avoid wrong foreclosures. This involved an additional 10% tax due to hardship early withdrawal of 401k XXXX XXXX  Borrowed money from family members XXXX XXXX\tEntitled to punitive damages XXXX   \n\nWells Fargo Unlawful Reporting  Pain & Suffering\nItem\tAmount\nMoney paid to reinstate loan XXXX over 9-year period \nMoney was paid to attorneys/agencies to help stop multiple foreclosure attempts over 9 years.\tApprox. XXXX XXXX XXXX  \nLiquidation of multiple 401k\tLost saving/retirement funds = approx. XXXX XXXX XXXX \nTime spent for management of this issue  XXXX  hrs/year\tApprox XXXX  IRS confiscation of all tax refunds since XXXX\tApprox. XXXX XXXX  per year for XXXX years) \nIRS enforced maximum withholdings  single filer status\t\nApprox. XXXX XXXX  per year.) \nIRS\tXXXX  IRS debt XXXX\nMedical conditions due to stress:\nDuring the past 9 years, we have been under hardship and undue stress leading to the following medical conditions: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \nAmount - XXXX\nMortgage paid over 9 years totaling over $300,000\nDamaged Credit  I have filed XXXX XXXXtime to stop foreclosure since XXXX which now prevents me from getting a loan.\nUnable to get loans\nXXXX  \nThere have been several lawsuits filed against Wells Fargo ranging from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which have been very similar situations to my situation. Therefore, Im seeking XXXX XXXX XXXX  \nAbove is a list of activities and damage that have severely impacted me and my family due to Predatory lending, reporting 1099c by Wells Fargo, formerly known as XXXX.  Wrongful foreclosure attempts, Loan Modification Errors, ETC. These problems have negatively impacted our quality of daily life (i.e., no vacations, no dinners out, no shopping, etc.) and damaged our credit. This psychological trauma/mental health, stressful event needs to end. After XXXX  years of being on this mortgage, it is still unclear if my mortgage is valid. XXXX XXXX and Now Wells Fargo have all failed me as a borrower. I was given a predatory loan that is a fraudulent, unfair deceptive, or abusive loan that can trap borrowers in debt. After several government bailouts to these mortgage companies, Im trapped in debt that appears no way out but foreclosure. \n\nWhat is Wrongful Foreclosure Action\nA wrongful foreclosure is when a lending institution forecloses on a property without any proper legal basis.  This can be through mistakes, negligence or intentional misconduct.  However, it goes, borrowers should always exercise due diligence making sure they dont fall prey to such practices.  \nWhen Your Rights Are Violated\nLending institutions stand to profit by foreclosing on a property.  It may be done by mistake or by unfair means for financial gain.  Whether accidental or deliberate, wrongful foreclosures have huge ramifications for homeowners.  Families can lose their homes, and their credit is so badly impacted by foreclosure that getting a new mortgage is next to impossible, to say nothing of how bad credit can impact other areas of life.  Wrongful foreclosures also cause undue stress on a family, especially if they must completely rearrange their lives (new neighborhoods/cities/schools / etc.).  Many homeowners may decide to pursue legal action against lenders, to reclaim some semblance of their former lives.\nWrongful Foreclosure Cases\nThere are several high-profile cases to illustrate what happens when wrongful foreclosures happen.  One of the most well-known cases involves Wells Fargo.  In 2019, Washington DCs Eastern U.S. District Court ruled that Wells Fargo wrongfully took back hundreds of homes.  It wasnt deliberate on Wells Fargos part, but a textbook example of a technical glitch in software that caused hundreds of borrowers not to get the loan modifications they qualified for.  As part of the judiciary relief, Wells Fargo gave each borrower more than $10,000.  Victims also had further recourse under a class action settlement with the bank.\nIn another case, a lending institution told a couple they couldnt get a loan modification without getting behind on payments.  They defaulted on their loan and filed for bankruptcy on the advice of the lender.  They lost their home anyway because the lender continued with foreclosure proceedings, even with a bankruptcy stay in place.  The couple eventually were awarded more than $45 million in actual and punitive wrongful foreclosure damages and court costs.","date_sent_to_company":"2025-02-28T09:47:50.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"30331","tags":"Servicemember","has_narrative":true,"complaint_id":"12028314","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-02-12T22:11:23.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"An existing modification, forbearance plan, short sale, or other loss mitigation relief"},"highlight":{"complaint_what_happened":["Failure to Offer Modifications: <em>Banks</em> <em>failed</em> or delayed in offering loan modifications to homeowners who qualified under federal programs, leading to foreclosure even though the borrowers <em>were</em> entitled to more favorable modified loan terms.\nInaccurate Loan <em>Reporting</em>: Erroneously <em>reporting</em> some borrowers as being ineligible for mortgage relief, preventing them from accessing loss mitigation programs that could have saved their homes."]},"sort":[11.815475,"12028314"]},{"_index":"complaint-public-v1","_id":"7939979","_score":11.762269,"_source":{"product":"Mortgage","complaint_what_happened":"XX/XX/XXXX Modification scam of US BANK XXXX XXXX XXXX XXXX I have been filing complaints with this bureau since XXXX. This will be the sixth complaint with this bureau since then. My very first complaint was in XXXX. My husband and I became two months behind on our mortgage. My husband and a lawyer went to a local US BANK branch here in XXXX Tennessee, to request a conversation with the branch manager on how we can proceed further and get caught up on our payments. They were told they would never be seen even if they had an appointment. This was XXXX during the recession of XXXX XXXX first term, we were like many Americans, who were facing financial difficulties due to layoffs. And this begins the first of many complaints. \nOnce I started on the modification trail, it did not take me long to realize I needed to research modifications with US BANK due to the way everything was being handled. With my research I still continued to work with US BANK and filed complaints with the consumer finance protection bureau. During this time of my complaints we were finally granted a modification XXXX made our three payments, and then the modification was taken away. Contacted the bank and this branch had no idea why the other branch canceled the modification. And USBANK had admitted mishandled funds of {$2200.00} was applied to escrow shortage error. This error and all of the other complaints that I have made or also errors that were published against US BANK. I can not understand why we were not giving responses and privileges from the errors that have been documented that the bank has done. \nOne major thing that I had constantly been insisting needed to be looked into for our house. One was that our custom built house had never had a single inspection done. Sent in a document from XXXX XXXX commission board, stating where the inspector gave dates of inspections and the dates were all canceled. Also, the statement of everything that was wrong and needed to be repaired and finally stated nothing had been done. \nOur original mortgage was with XXXX XXXX Bank, they never should have released occupancy for this house. \nThen our mortgage was with XXXX mortgage and then to US BANK. I sent in documentation between mortgage companies, and as far as I could see, nothing had been signed by us, possible Robo signing. We did everything requested by US BANK for us to do, the Hamp the Harp everything for a modification, and this has continued to today. \nSince this time in XX/XX/XXXX, a tree fell in her house and did massive damage. So during this time of continuous modifications, the restrictions that US Bank put on for a contractor were unacceptable to nine different contractors. I contacted all contractors stating that US BANK was too difficult to work with, and had a reputation for not paying what was billed. The insurance at the time was XXXX insurance ; they barely gave us money to cover a roof that did not include any of our personal items that were destroyed. Also filed a complaint with XXXX insurance. Also, the air quality company filed a complaint with XXXX XXXX XXXXXXXX XXXX XXXX. nothing was resolved. So during this time mold was created in our house upstairs Where my daughter and I sleep. I hired an XXXX air quality inspector. I sent reports to US BANK and to XXXX. The living facility has mold and no one under the age of XXXX could be upstairs without permanent respiratory issues. The bedroom that had the most damage still does not have a ceiling And has been mice infested. Also sent in a report from XXXX to both entities. \n\nIn XX/XX/XXXX we hired XXXX XXXX for their legal services. For over 11 months they have been working with the bank and with us for the sole purpose of getting a modification. The Legal team experienced the same issues as I have since XXXX. The positive thing with the legal service is that they stayed in touch with US BANK and when US BANK would request information and many times the same information repeatedly, they would be on top of it instead of the bank mailing it to us and we receiving it weeks later, many times missing the deadline that they requested for the information to complete request for modification. During the month of XXXX, we finally had a complete packet for a modification, and received the letter from US BANK that they had a complete packet. Within two days received another letter saying they would not grant a modification. \n\nThe modification scam has been very true since the very beginning I have stated with the bureau, the findings of other lawsuits for the modification scams, and Im going to reiterate them again.\n\n1. US BANK vs. XXXX. The New York judge ruled to put an end to their modification scams, and ruled in favor of the plaintiff. \nXXXX. Secular vs US BANK, NO, XX/XX/XXXX of XXXX, case number XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX. they failed to pay their mortgage payments for over XXXX years. On appeal the XXXX agreed they do in fact have XXXX standing to bring the wrong foreclosure claim to US BANK and they can not foreclose. Because they were alleged issues with the assignment of the deed of trust, the statute of limitations under which US BANK could not bring its foreclosure claim to pass. They were not in default because of alleged loan modification, the judge rule and in favor of the plaintiff. \n3. XX/XX/XXXX report number XXXX, exact same filing for loan modification due to illness. Repeatedly asked for the same information denied for some reasons either signature or date in wrong place, date not correct or the notary, notarized in the wrong place. All of the above we have also endured. \n4. XX/XX/XXXX, judge rules against US BANK in mortgage modification suit, for XXXX XXXX. \n5. XXXX XXXX vs US BANK, Case number XXXX, XX/XX/XXXX. The same as the above modification scam. Judge ruled in favor of the plaintiff. XX/XX/XXXX Modification scam of US BANK Consumer Finance Protection Bureau I have been filing complaints with this bureau since XXXX. This will be the sixth complaint with this bureau since then. My very first complaint was in XXXX. My husband and I became two months behind on our mortgage. My husband and a lawyer went to a local US BANK branch here in XXXX Tennessee, to request a conversation with the branch manager on how we can proceed further and get caught up on our payments. They were told they would never be seen even if they had an appointment. This was XXXX during the recession of XXXX XXXX first term, we were like many Americans, who were facing financial difficulties due to layoffs. And this begins the first of many complaints. \nOnce I started on the modification trail, it did not take me long to realize I needed to research modifications with US BANK due to the way everything was being handled. With my research I still continued to work with US BANK and filed complaints with the consumer finance protection bureau. During this time of my complaints we were finally granted a modification XXXX made our three payments, and then the modification was taken away. Contacted the bank and this branch had no idea why the other branch canceled the modification. And USBANK had admitted mishandled funds of {$2200.00} was applied to escrow shortage error. This error and all of the other complaints that I have made or also errors that were published against US BANK. I can not understand why we were not giving responses and privileges from the errors that have been documented that the bank has done. \nOne major thing that I had constantly been insisting needed to be looked into for our house. One was that our custom built house had never had a single inspection done. Sent in a document from XXXX XXXX XXXX board, stating where the inspector gave dates of inspections and the dates were all canceled. Also, the statement of everything that was wrong and needed to be repaired and finally stated nothing had been done. \nOur original mortgage was with XXXX XXXX Bank, they never should have released occupancy for this house. \nThen our mortgage was with XXXX mortgage and then to US BANK. I sent in documentation between mortgage companies, and as far as I could see, nothing had been signed by us, possible Robo signing. We did everything requested by US BANK for us to do, the XXXX the Harp everything for a modification, and this has continued to today. \nSince this time in XX/XX/XXXX, a tree fell in her house and did massive damage. So during this time of continuous modifications, the restrictions that US Bank put on for a contractor were unacceptable to nine different contractors. I contacted all contractors stating that US BANK was too difficult to work with, and had a reputation for not paying what was billed. The insurance at the time was XXXX insurance ; they barely gave us money to cover a roof that did not include any of our personal items that were destroyed. Also filed a complaint with XXXX insurance. Also, the air quality company filed a complaint with XXXX XXXX XXXXXXXX XXXX XXXX. nothing was resolved. So during this time mold was created in our house upstairs Where my daughter and I sleep. I hired an XXXX air quality inspector. I sent reports to US BANK and to XXXX. The living facility has mold and no one under the age of five could be upstairs without permanent respiratory issues. The bedroom that had the most damage still does not have a ceiling And has been mice infested. Also sent in a report from XXXX to both entities. \n\nIn XX/XX/XXXX we hired XXXX XXXX for their legal services. For over 11 months they have been working with the bank and with us for the sole purpose of getting a modification. The Legal team experienced the same issues as I have since XXXX. The positive thing with the legal service is that they stayed in touch with US BANK and when US BANK would request information and many times the same information repeatedly, they would be on top of it instead of the bank mailing it to us and we receiving it weeks later, many times missing the deadline that they requested for the information to complete request for modification. During the month of XXXX, we finally had a complete packet for a modification, and received the letter from US BANK that they had a complete packet. Within two days received another letter saying they would not grant a modification. \n\nThe modification scam has been very true since the very beginning I have stated with the bureau, the findings of other lawsuits for the modification scams, and Im going to reiterate them again.\n\n1. US BANK vs. XXXX. The New York judge ruled to put an end to their modification scams, and ruled in favor of the plaintiff. \n2. Secular vs US BANK, NO, XX/XX/XXXX of XXXX, case number XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX. they failed to pay their mortgage payments for over seven years. On appeal the XXXX agreed they do in fact have Prudential standing to bring the wrong foreclosure claim to US BANK and they can not foreclose. Because they were alleged issues with the assignment of the deed of trust, the statute of limitations under which US BANK could not bring its foreclosure claim to pass. They were not in default because of alleged loan modification, the judge rule and in favor of the plaintiff. \n3. XX/XX/XXXX report number XXXX, exact same filing for loan modification due to illness. Repeatedly asked for the same information denied for some reasons either signature or date in wrong place, date not correct or the notary, notarized in the wrong place. All of the above we have also endured. \nXXXX. XX/XX/XXXX, judge rules against US BANK in mortgage modification suit, for XXXX XXXX. \nXXXX. XXXX XXXX vs US BANK, Case number XXXX, XX/XX/XXXX. The same as the above modification scam. Judge ruled in favor of the plaintiff.\n\nThe consumer finance protection bureau was created to protect American Families from financial abuse. \nXX/XX/XXXX the Supreme Court versus consumer finance protection bureau, that funding is unconstitutional, because the bureau gets its money from the federal reserve, which is in turn, is funded by bank fees. \nWe have kept fighting for this house that we custom built in XXXX. Unfortunately, we are like many Americans who fail in the financial crisis during the recession of XXXX. The abuse of the modification scam of US BANK. has taken a terrific toll on my family. During these times, and we have reported over and over the health issues, my daughter and I went to a XXXX XXXX XXXX, and he confirmed we are allergic to mold, which is included in all of my complaints. I personally have health issues going from XXXX, I am still under care of a vein surgeon, for deep vein, thrombosis, and a hematologist. \nIt is such a shame that this bureau has allowed this abuse to continue with my family since XXXX. It all could have been resolved after the first two months. We have shown good faith, that we want to work with the bank. We have shown that we want to keep our home, and this is still true today. But when is this modification scam of US BANK going to be brought to light and Justice prevail for my family. All of the stress and everything that US BANK has put us through? All of my complaints since XXXX have been proven to be fines for US BANK. But for some reason our house has not reached the benefits that other families have. It should be under the statute of limitations time for this US BANK modification scam with our family to be made in favor of our family and provide the deed to the house. So many years of abuse, and non-addressed issues that USBANK have been fined for. \n\n\n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2023-12-04T01:56:46.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"37922","tags":"Older American","has_narrative":true,"complaint_id":"7939979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2023-12-04T01:39:49.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["They <em>were</em> not in default because of alleged loan modification, the judge rule and in favor of the plaintiff. \n3. XX/XX/XXXX <em>report</em> number XXXX, exact same filing for loan modification due to illness. Repeatedly asked for the same information denied for some reasons either signature or date in wrong place, date not <em>correct</em> or the notary, notarized in the wrong place. All of the above we have also endured. \n4."]},"sort":[11.762269,"7939979"]},{"_index":"complaint-public-v1","_id":"16453537","_score":11.673475,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/XXXX Leadership : General Counsel XXXX XXXX Second Complaint to no avail from XXXX XXXX XXXX Department and Executive Leadership Team I am filing a second complaint based on XXXX XXXX 's egregious statements made to the credit reporting agencies. a second complaint against XXXX XXXX for furnishing inaccurate and defamatory information to credit reporting agencies. Despite numerous requests, XXXX XXXX has failed to provide any documentation proving I am responsible for the alleged debt. Their only response has been that their investigation concluded the debt belongs to me. \n\nThis is unequivocally false. During the period this account was opened and used, I was XXXX  due to a severe injury sustained when a XXXX XXXX XXXX XXXX, resulting in a XXXX XXXX XXXX XXXX  and a XXXX XXXX XXXX. Therefore, I could not have opened, charged, or authorized this account. \n\nFurthermore, this debt was removed from my credit report twice, only to be reinserted by XXXX XXXX. My credit file was then updated, indicating that additional details were received, and it was concluded that the account belongs to me. XXXX XXXX 's response stating the file would show \" disputed '' is insufficient, as the debt is not mine. \n\nExperian subsequently sent a deeply hurtful and embarrassing letter, accusing me that, based on information from XXXX XXXX, I misrepresented facts, leading them to lock my credit file. The letter even accused me of obtaining goods and services under pretenses, which is entirely untrue. \n\nI have contacted XXXX XXXX 's XXXX XXXX and XXXX department, offering to sign a release for my medical records, including video footage that substantiates my incapacitation. Instead of seeking further details, they have subtly implied my statements are inconsistent. \n\nI have attached emails sent to XXXX XXXX 's legal team requesting a draft of a release to review my medical files, which will exonerate me and clear my name. I urge you to investigate this matter thoroughly and ensure my credit report is corrected. Additionally, look into my repeated request to review any files XXXX  XXXX XXXX accused me of being dishonest and refuse to provide me access to but apparently has either made statements or provided the XXXX credit reporting agencies something to make them conclude outside of the records I provided which was the police report, the FTC fraud affidavit, and pictures which are limited medical information why I was incapacitated during the alleged time the account was opened and charges made even a cash advance. I am a victim of a sophisticated identity theft using VPN and proxy number and XXXX XXXX XXXX \n\nXXXX. In account takeover fraud, criminals use a Virtual Private Network ( VPN ) or proxy server to make it appear as if they are accessing an account from the victim 's legitimate geographical location. This technique helps them bypass fraud detection systems that flag unusual login activity, such as a user suddenly accessing their account from a different country. \nXXXX. Location spoofing After obtaining the credentials, the fraudster uses a VPN or proxy service to mask their actual IP address. \nThese services route the fraudster 's internet traffic through a remote server. The victim 's bank or e-commerce site will then only see the IP address of the VPN or proxy server, making it appear that the login is coming from that server 's geographic location. \n\nMimicking the victim : By choosing a VPN or proxy server located near the victim 's addressthe location where the account originated or is typically accessedthe criminal can fool a key security check. \n\nAdversary-in-the-Middle '' ( AitM ) phishing : Attackers set up a proxy web server that acts as an invisible layer between the victim and the legitimate website. \nRelaying credentials : When the victim enters their username, password, and the one-time passcode ( OTP ) on the fake site, the proxy server instantly relays the information to the real website. \nSession hijacking : Once the legitimate service validates the authentication and issues a session cookie, the fraudster 's proxy server intercepts and steals it. This allows the fraudster to access the victim 's account without needing the XXXX againProxy detection : Many fraud detection systems include technology to identify and flag IP addresses known to be associated with proxies and VPNs. \nIP intelligence : Analyzing an IP address can reveal not just its general location but also if it's high-risk or tied to botnets, helping to build better fraud detection algorithms. \nBehavioral biometrics : This method focuses on user behavior patterns rather than just XXXX addresses. It can detect anomalies like unusual typing speed, mouse movements, or navigation patterns, which can signal that the user is a bot or a fraudster. \nStronger XXXX : Using XXXX methods that are more resilient to AitM attacks, such as hardware security keys, can provide greater protection than traditional SMS or email-based OTPs. \nA XX/XX/XXXX class-action lawsuit alleges that XXXX XXXX improperly denied fraud claims based on faulty fraud-detection technology. The suit claims the bank relied on flawed data searches to \" mechanically '' reject fraud claims, failing to conduct reasonable investigations as required by federal law. \n\nDetails of the class-action lawsuit The plaintiff 's case : The suit was filed in the XXXX XXXX XXXX for XXXX Northern District XXXX California XXXX XXXX woman who reported {$1500.00} in unauthorized charges after her wallet was stolen. XXXX XXXX denied her claim with a form letter and no explanation, closing her checking account shortly after. \nAllegation of flawed technology : According to the complaint, XXXX XXXX 's fraud-detection process is a \" black-box '' system that wrongfully blames the consumer, ignoring the bank 's own legal obligation to prove a transaction was authorized. \nViolation of federal law : The lawsuit claims XXXX  XXXX violated the Electronic Funds Transfer Act ( EFTA ), which requires banks to conduct a proper investigation into unauthorized transactions. The EFTA places the burden of proof on the bank, not the customer, and requires the bank to provide documentation of its investigation. \nXXXX XXXX has been the subject of numerous FCRA complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and various lawsuits over the years. The most frequent violations include : XXXX. Failure to Properly Investigate Disputes XXXX of the most prevalent complaints involves XXXX  XXXX failing to conduct reasonable investigations as required by the FCRA when consumers dispute information. Instead of thoroughly examining evidence provided by consumers, XXXX  XXXX often : Conducts cursory, surface-level reviews Simply verifies that reported information matches their internal records ( without investigating whether those records are accurate ) Uses automated systems rather than human investigators for complex disputes A proper FCRA dispute investigation requires more than just checking internal databases. The law demands that furnishers like XXXX XXXX conduct a reasonable investigation that examines all relevant evidence. \n\nXXXX. Continued Reporting of Disputed Information Without Verification The FCRA requires that if information can not be verified as accurate following a dispute, it must be corrected or deleted. However, XXXX XXXX has been known to : Continue reporting disputed information even after failing to fully verify its accuracy Re-report previously deleted information without new evidence of accuracy Fail to mark accounts as disputed by consumer while investigations are pending XXXX. Inadequate Responses to Dispute Investigations Many consumers report receiving vague, form-letter responses from XXXX  XXXX that : Lack specific details about what was investigated Fail to address the particular points raised in their dispute Provide no explanation for why the information was deemed accurate Omit copies of any documents relied upon during the investigation XXXX. Failure to Correct Information Across All Credit Bureaus When XXXX XXXX does correct erroneous information, they sometimes fail to notify all three major credit bureaus ( Experian, XXXX, and XXXX  ) of the correction, leaving inaccurate information on some of your credit reports. \n\nXXXX XXXX Policies on Credit Reporting Understanding XXXX XXXX approach to credit reporting can help you navigate potential FCRA issues : Dispute Procedures XXXX XXXX published dispute procedures include : An online portal for submission of disputes Stated investigation timeframe of up to 30 days ( the maximum allowed by the FCRA ) Options to add consumer statements to credit files Limited direct communication during the investigation process Unfortunately, this online dispute process often leads to superficial investigations. XXXX  XXXX representatives handling online disputes typically have limited training in credit reporting laws and may simply match information against internal records rather than conducting genuine investigations. Even though XXXX XXXX wants you to dispute online, you are not limited to and should not use online dispute tools. Disputes made to the credit bureaus are routed to XXXX XXXX and give them fewer reasons to reject disputes. \n\nInternal Systems and Challenges XXXX XXXX credit reporting system faces several structural challenges : Heavy reliance on automated reporting systems with limited human oversight Departmental disconnects between fraud investigation teams and credit reporting teams Limited documentation systems for tracking dispute history Insufficient staff dedicated to dispute resolution compared to their massive customer base These systemic issues often result in a pattern of FCRA violations that can significantly impact consumers. XXXX XXXX conclusion subliminally says, There is no need for any further investigation because we did one and BELIEVE the account belongs to you, AND we are not releasing anything other than this letter from our database showing you lived at the address and the phone number, email address, and bank account belong to you. \n\nUnder duress and to clear my name, I have offered my private medical records to clear my name for once and for all. I am struggling financially and can not work within my field, and am facing homelessness because of XXXX XXXX 's bullying tactics. This is not my account, and I am being victimized all over again by XXXX XXXX 's false reporting and the credit reporting agencies ' reporting derogatory information based on verification obtained electronically. Based on recent reports regarding XXXX XXXX, what makes their credibility more credible than mine? I am being bullied at this point. \nRespectfully submitted XXXX XXXX","date_sent_to_company":"2025-10-08T14:13:30.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"16453537","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-08T13:50:56.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Failure to <em>Correct</em> Information Across All Credit Bureaus <em>When</em> XXXX XXXX does <em>correct</em> erroneous information, they sometimes <em>fail</em> to notify all three major credit bureaus ( Experian, XXXX, and XXXX  ) of the correction, leaving inaccurate information on some of your credit <em>reports</em>."]},"sort":[11.673475,"16453537"]},{"_index":"complaint-public-v1","_id":"13449830","_score":11.611653,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB COMPLAINT AGAINST XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT ), XXXXXXXX XXXX, PXXXX XXXX XXXX XXXX Consumer Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Account Ending : XXXX CFPB Case ID ( if applicable ) : XXXX Nature of the Complaint : This complaint is filed against Synchrony Bank regarding their continued reporting of an account opened under an incorrect and unauthorized namedespite full documentation, police reports, and FTC filings proving the information was erroneous and damaging. \n\n\n\nTimeline and Background : On XX/XX/XXXX, I reviewed my three-bureau credit report and discovered an incorrect name attached to my JCPenney/Synchrony Bank credit card account . The account was reporting my middle name as my last name, which is not my legal name and never has been. \n\nUpon tracing the origin, I found that this error stemmed from the JCPenney/Synchrony account, and the same false name had been transmitted to Experian, Equifax, and TransUnion. \n\nI contacted Synchrony Bank on XX/XX/XXXX, to request a correction. Instead of acknowledging the clear internal error, Synchrony forced me to submit an identity theft claim. They opened case # XXXX but failed to take any action for over XXXX days. \n\nI also filed disputes with all three credit bureaus on XX/XX/XXXX, and provided official documentation that my identity had been compromised on multiple occasions, including : Police Reports filed in XXXX A valid FTC Identity Theft Report Timestamped emails showing when the FTC report was submitted These documents were sent to the bureaus before and during my dispute with Synchrony. Despite this, no bureau removed or corrected the false reporting, nor did Synchrony take corrective action. \n\n\n\nSynchronys Response Confirms Their Error : In a written response dated XX/XX/XXXX, Synchrony Bank admitted that the application submitted in-store on XX/XX/XXXX, used the wrong namestating that my middle name was entered as my last name. They then falsely claimed they were accurately reporting the account to the credit bureaus, even though they acknowledge the application was submitted under incorrect credentials.\n\nThis contradicts both the FCRAs maximum possible accuracy requirement and the basic principle of data integrity under federal law.\n\nViolations Committed by Synchrony Bank : 1. FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information with actual knowledge of errors.\n\n2. FCRA 623 ( a ) ( 2 ) : Failing to promptly correct known inaccurate information.\n\n3. FCRA 623 ( a ) ( 3 ) : Failing to report the account as disputed.\n\n4. FCRA 611 ( a ) : Disregarding my right to dispute and failing to conduct a reasonable investigation.\n\n5. FCRA 605B : Failing to block identity theft-related items after proper documentation was provided.\n\n6. FCRA 607 ( b ) : Reporting inaccurate data to consumer reporting agencies.\n\n7. CFPB Bulletin 2014-01 : Violating CFPBs clear guidance that inaccurate or unverifiable data must not be reported.\n\n8. FDCPA 807 ( 8 ) : Using deceptive practices in the reporting of consumer debt under incorrect identifiers.\n\nHarm and Damages : My credit score dropped by XXXX points due to this false data and repeated dispute remarks being added and removed inconsistently. \nI experienced reputational damage, loss of credit opportunities, and unnecessary emotional distress from prolonged disputes. \nI was forced to resubmit identification, police reports, and federal documentation multiple times with no resolution. \n\n\n\nWhat I Am Requesting : XXXX. Immediate deletion of the JCPenney/Synchrony Bank account from all credit bureaus ( XXXX XXXX XXXX XXXX ) XXXX Also the removal of all noted accounts raised to the FTC. XXXX, XXXX and Possible Finance. \nXXXX. Full investigation into XXXX pattern of negligence and failure to correct known errors. \nXXXX. Enforcement action and penalties under the Fair Credit Reporting Act and CFPB regulations. \nXXXX. Written confirmation that this inaccurate account will be permanently removed. \n\n\n\nAttached Evidence : XX/XX/XXXX response letter from XXXX Bank admitting the name error Copy of my Government-issued ID showing my legal name XXXX Police Reports Most recent FTC Identity Theft Report Timestamped emails showing original FTC filing dates All correspondence with Synchrony and the credit bureaus Legal Warning : If this complaint is not resolved within 30 days, I intend to file a civil lawsuit under 15 U.S.C. 1681n and 1681o for both negligent and willful violations of the Fair Credit Reporting Act, and seek statutory, actual, and punitive damages. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-11T15:51:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32935","tags":null,"has_narrative":true,"complaint_id":"13449830","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-05-11T15:22:55.000Z","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":["I also filed disputes with all three credit bureaus on XX/XX/XXXX, and provided official documentation that my identity had been compromised on multiple occasions, including : Police <em>Reports</em> filed in XXXX A valid FTC Identity Theft <em>Report</em> Timestamped emails showing <em>when</em> the FTC <em>report</em> was submitted These documents <em>were</em> sent to the bureaus before and during my dispute with Synchrony. Despite this, no bureau removed or <em>corrected</em> the false <em>reporting</em>, nor did Synchrony take corrective action."],"product":["Credit reporting or other personal consumer <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[11.611653,"13449830"]},{"_index":"complaint-public-v1","_id":"10302607","_score":11.58075,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX. XXXX Attn. Equifax Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Ftc # XXXX Dear Equifax XXXX XXXX, I, XXXX XXXX, hereby file this complaint on my own will and behalf, without the help of any third party. \n\nI'm submitting a new Identity Theft report along with a new CFPB report. \n\nI also want to formally address the credit denial I have recently experienced due to erroneous information being reported by Equifax. Over the past few months, I have made significant efforts to improve and maintain my credit profile. However, despite these efforts, inaccurate and outdated information continues to appear on my Equifax credit report, directly impacting my ability to qualify for essential financial services. \n\nI have attached letters of denial from various financial institutions which clearly outline the reasons for my denied applications. These letters provide specific details about the discrepancies and inaccuracies reflected in my Equifax credit report, which are unjustly lowering my credit score. As a result, this has hindered my ability to access credit, pursue career opportunities, and make progress in my personal financial goals. \n\nThe inaccuracies on my credit report are not only causing damage to my creditworthiness but also obstructing my ability to advance in society. Whether it be securing loans, renting property, or obtaining other critical financial resources, these inaccuracies are preventing me from reaching my full potential. \n\nI request that Equifax immediately review my credit report, rectify these inaccuracies, and update my score accordingly. I trust this matter will be treated with the urgency and importance it deserves, as the repercussions of these errors are far-reaching and negatively impacting multiple areas of my life. \n\n\nI'm concerned about Equifax 's biased treatment towards XXXX individuals, as evidenced by repeated failures to correct inaccuracies in credit reports, even after proper documentation and FTC XXXX Theft complaints were submitted. My concern is further heightened by the following notable lawsuits : 1. Equifax Lawsuits for Credit Report Inaccuracies : Equifax has faced various lawsuits for inaccuracies in credit reporting. For example, in XXXX, XXXX XXXX sued the company due to a credit score error that impacted her ability to secure a car loan at a favorable rate. This lawsuit seeks class-action status, which could affect many individuals similarly impacted by credit reporting errors. While this case doesn't involve XXXX individuals specifically, it reflects Equifax 's history of reporting mistakes that could impact any group. \n\nXXXX. XXXX v. Equifax ( XXXX ) : A class action lawsuit where Equifax failed to correct fraudulent information on credit reports, leading to credit denials for XXXX and others. \n\n\nXXXX. Ohio Residents Class Action ( 2023 ) : Ohio residents filed a lawsuit after Equifax ignored FTC complaints, causing them to be denied housing and loans due to false information.\n\n4. Top Class Action Identity Theft Investigation : Ongoing lawsuits involve Equifax not removing fraudulent accounts even with valid FTC Identity Theft affidavits, causing financial harm to affected individuals.\n\nThese cases demonstrate the struggles consumers face in holding Equifax accountable for credit reporting errors, which disproportionately impact vulnerable groups.\n\nWhen I mailed personal information to Equifax, it was tampered with, causing more inaccuracies to end up on my credit report. \n\nI am requesting the removal of the following creditors and inquiries : XXXX. XXXX XXXX : - Reason : Fraud - Not my account - Account Number : XXXX - Amount : {$5500.00} / {$8900.00} - Date : XXXX - Type : Personal Card XXXX. XXXX XXXX : - Reason : Fraud - Not my account - Account Number : XXXX - Amount : {$5000.00} / {$7500.00} - Date : XXXX - Type : Business Card XXXX. XXXX XXXX Bank : XXXX ( previously deleted ) - Reason : Fraud - Not my account - Type : Repossession - Amount owed : {$2100.00} - Original Loan : {$15000.00} - Date Opened : XXXX XXXX. Inquiry : XXXX Bank - XX/XX/XXXX - Reason : Fraud - Did not authorize - AKA : XXXX - Address : XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Under XXXX XXXX. XXXX, I am requesting Equifax to XXXX and block the mentioned creditors and inquiries. \n\nI request that Equifax take immediate action to delete and block these fraudulent accounts from my credit report. This is essential to ensure the accuracy of my credit information and protect my financial well-being. \n\nXXXX Bank : XX/XX/XXXX I have attached a letter from XXXX Bank to further support my situation as a victim of identity theft. In this same situation, Equifax claimed to have conducted an investigation, siding 100 % with the creditor. However, this creditor did, in fact, take my FTC complaint seriously and acknowledged that I am not responsible for this account. \n\nFurthermore, I am deeply concerned about Equifax 's compliance with the Fair Credit Reporting Act ( FCRA ), given recent legal precedents such as \" XXXX XXXX Equifax Information Services, XXXX '' and \" XXXX XXXX Equifax XXXX '' It is evident that Equifax has faced litigation for similar violations in the past, underscoring the importance of addressing inaccuracies promptly and appropriately.\n\nRights : - 15 U.S Code 1681s-2 - Prohibition : ( A ) Reporting information with actual knowledge of errors - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.\n\n- 15 U.S.C. 1681c-2 : Block of information resulting from identity theft - I implore you to implement the necessary measures stipulated under 15 U.S.C. 1681c-2 to obstruct information stemming from identity theft. \n\nUpdated Information : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX Phone : XXXX Email : XXXX XXXX : XXXX XXXX : XXXX Sincerely, XXXX XXXX","date_sent_to_company":"2024-10-02T05:35:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"660XX","tags":null,"has_narrative":true,"complaint_id":"10302607","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-02T05:35:37.000Z","state":"KS","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I'm concerned about Equifax 's biased treatment towards XXXX individuals, as evidenced by repeated failures to <em>correct</em> inaccuracies in credit <em>reports</em>, even after proper documentation and FTC XXXX Theft complaints <em>were</em> submitted. My concern is further heightened by the following notable <em>lawsuits</em> : 1. Equifax <em>Lawsuits</em> for Credit <em>Report</em> Inaccuracies : Equifax has faced various <em>lawsuits</em> for inaccuracies in credit <em>reporting</em>."],"product":["Credit reporting or other personal consumer <em>reports</em>"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[11.58075,"10302607"]},{"_index":"complaint-public-v1","_id":"16528796","_score":11.550132,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  . \nXXXX XXXX XXXX XXXX XXXX Re : Account/Reference : [ CREDIT XXXX CREDIT CARD ENDING IN XXXX ] DEMAND TO CEASE UNLAWFUL COLLECTION, WITHDRAW LAWSUIT, CORRECT CREDIT REPORTS To Whom It XXXX Concern : This letter is a formal demand that Scott & Associates , P.C . and XXXX XXXX XXXX XXXX XXXX ( collectively you or your ) immediately cease all collection activity with respect to the referenced account, withdraw any pending lawsuit you initiated against me concerning this alleged Credit XXXX account, and correct all inaccurate information you furnished about me to consumer reporting agencies. I make the following allegations and demands based on facts known to me : XXXX. The underlying debt allegedly originated with XXXX XXXX and was paid in full on XX/XX/XXXX. \nXXXX. I informed XXXX XXXX XXXX of the full payment and that I have no contractual relationship with XXXX. \nXXXX. Despite this, XXXX pursued a lawsuit against me ( or otherwise continued collection efforts ) and has reported inaccurate information to credit bureaus, which has harmed my credit. I allege these actions are false, misleading, and unlawful. \nLEGAL BASIS ( select, non-exhaustive ) Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Relevant provisions include : 15 U.S.C. 1692e ( prohibiting false, deceptive, or misleading representations, including false representation of the status of a debt ). \n15 U.S.C. 1692e ( 2 ) ( false representation of amount or status of a debt ).\n\n15 U.S.C. 1692e ( 8 ) ( prohibiting communicating or threatening to communicate credit information known to be false ).\n\n15 U.S.C. 1692f ( prohibiting unfair or unconscionable collection practices ).\n\n15 U.S.C. 1692g ( debt validation procedures and consumers right to dispute ).\n\n15 U.S.C. 1692k ( civil liability statutory and actual damages, costs, and attorneys fees ). \nFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Relevant provisions include : 15 U.S.C. 1681s-2 ( b ) ( duty of furnishers to investigate and correct inaccurate information once notified of a dispute by a consumer reporting agency ). \n15 U.S.C. 1681i ( procedures for consumer disputes with consumer reporting agencies ).\n\n15 U.S.C. 1681n & 1681o ( civil liability for willful or negligent noncompliance statutory and actual damages, costs, and attorneys fees ). \nFACTS/ CLAIMS XXXX. The debt identified with the above reference was paid in full. I can provide documentary proof on request ( payment receipts, settlement letter, bank statements, credit card statements ) to establish payment in full. \nXXXX. I advised XXXX in writing of payment and that I have no contractual relationship with XXXX. XXXX nevertheless ( a ) continued collection demands, ( b ) reported inaccurate/false information to XXXX or more consumer reporting agencies, and ( c ) initiated ( or threatened to initiate ) a lawsuit based on a purported debt that is paid in full. \n3. Your actions of ( i ) pursuing collection of a paid debt, ( ii ) reporting false information to credit bureaus, and ( iii ) filing or pursuing a lawsuit when you know the debt is paid or without factual basis, constitute violations of the FDCPA ( 15 U.S.C. 1692 et seq. ) and may also constitute violations of the FCRA ( 15 U.S.C. 1681 et seq. ) and other applicable law. In particular, furnishing false credit information and failing to correct it after you were put on notice violates 15 U.S.C. 1681s-2 ( b ). \nDEMANDS Accordingly, I demand that within XXXX ( XXXX ) calendar days of receipt of this letter you : XXXX. Immediately cease all collection efforts related to this account ( including telephone calls, letters, and electronic communications ). ( FDCPA : 15 U.S.C. 1692 et seq. ) XXXX. Immediately withdraw and dismiss with prejudice any lawsuit or pending legal action you have filed against me related to this alleged debt ; send written confirmation to me and to the court that the action was dismissed. ( FDCPA 1692e ; 15 U.S.C. 1692k remedies reserved. ) 3. Immediately correct, update, and/or delete any and all inaccurate statements or tradeline entries you have furnished to any consumer reporting agency regarding this account including but not limited to statements that the account is delinquent, charged-off, in collection, or otherwise unpaid and notify all consumer reporting agencies to which you furnished the inaccurate information that the information was erroneous and has been corrected. ( FCRA : 15 U.S.C. 1681s-2 ( b ). ) 4. Provide me, in writing, within XXXX ( XXXX ) days, the following : a. A full written explanation of the factual and legal basis for any collection demand or lawsuit you pursued ; b. Copies of any documents or contracts you claim establish your legal right to collect from me or the chain of assignment/ownership of the alleged debt ; and c. Confirmation that you have corrected all credit reporting and that you have withdrawn/dismissed any lawsuit. \nXXXX. Preserve all records, call logs, notes, emails, assignments, and communications relating to this account and any decision to report negative information or file suit, as this evidence will be necessary should I pursue legal remedies. \nNOTICE OF INTENT TO SUE If you fail to comply with the demands above within XXXX ( XXXX ) days, I will consider all available legal remedies, including : Filing suit under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692k ) to recover statutory and actual damages, costs, and attorneys fees ; Filing suit under the Fair Credit Reporting Act ( 15 U.S.C. 1681n, 1681o ) for willful or negligent furnishing of inaccurate information ; Seeking other relief available under state law ( including tort claims for defamation and any injunctive relief necessary to correct my credit and reputation ). \nThis letter is not exhaustive of my rights and claims, and I reserve all rights and remedies under federal, state, or common law. \nREQUEST FOR ACKNOWLEDGMENT Please provide written acknowledgement of receipt of this letter and confirmation you will comply with the demands above to the address shown at the top of this letter within XXXX ( XXXX ) days. \nPreserve all records and communications relating to this matter. If you have questions, direct them in writing to me at the above address. Do not contact me by phone regarding collection. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-10-12T16:13:39.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"23601","tags":"Servicemember","has_narrative":true,"complaint_id":"16528796","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Law Office of Michael J. Scott, PC","date_received":"2025-10-12T16:08:54.000Z","state":"VA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["<em>correct</em> all inaccurate information you furnished about me to consumer <em>reporting</em> agencies."]},"sort":[11.550132,"16528796"]},{"_index":"complaint-public-v1","_id":"12543081","_score":11.530069,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Chase Bank ( JPMCB CARD SERVICES ) Attn : Credit Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : URGENT Final Dispute and Demand for Deletion Under FCRA & Identity Theft Laws To Whom It May Concern, I am writing to formally dispute the fraudulent and inaccurate reporting of three Chase Bank accounts on my XXXX credit report. This letter serves as final notice before I take legal action due to Chase Banks willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and identity theft blocking provisions. \n\nDespite multiple submissions of my police report and FTC Identity Theft Report, these fraudulent accounts have not been deleted or blocked as required by law. Instead, Chase Bank continues to verify these accounts as accurate, despite clear evidence to the contrary. Additionally, these accounts are linked to an address where I have never lived, further proving that they are fraudulent. \n\nDisputed Accounts and Specific Violations : 1. JPMCB CARD SERVICES XXXX XXXXXXXX Factual Inaccuracies & Reporting Errors : Balance ( {$1900.00} ) should not be reported on a charged-off account. \nCredit limit ( {$1500.00} ) contradicts the high balance ( {$1900.00} ). \n120 Days Late was reported multiple times ( XX/XX/XXXX and XX/XX/XXXX ), which is false and misleading. \nAccount reports a past-due balance despite charge-off status, violating reporting guidelines. \nThis account is linked to an address I have never lived at. \n\n2. JPMCB CARD SERVICES XXXX XXXX Factual Inaccuracies & Reporting Errors : Balance ( {$6700.00} ) remains active despite charge-off status. \nCredit limit ( {$6000.00} ) does not match the high balance ( {$6700.00} ). \nPayment history errors include multiple false 120 Days Late reports ( XX/XX/XXXX and XX/XX/XXXX ). \nThis account is tied to an address I have never lived atproof of fraud. \n\n3. JPMCB CARD SERVICES XXXX XXXXXXXX Factual Inaccuracies & Reporting Errors : Balance ( {$840.00} ) should not be active if the account was charged off. \nCredit limit ( {$500.00} ) does not align with the high balance ( {$840.00} ). \nDuplicate late payment reporting ( 120 Days Late in XX/XX/XXXX and XX/XX/XXXX ). \nThis account is associated with an address I have never lived at, confirming identity theft. \n\nViolation of Identity Theft Blocking Provisions ( FCRA 1681c-2 ) Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report and police report, Chase Bank is legally required to block and permanently delete fraudulent accounts.\n\nI have provided my police report and FTC Identity Theft Report multiple times. \nChase Bank has failed to comply with federal law by continuing to report these fraudulent accounts. \nChases continued reporting is a willful violation of the FCRA and will result in litigation. \n\nFailure to Provide Method of Verification Willful Noncompliance Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ), Chase Bank is required to provide the method of verification, including : Who was contacted to verify this information. \nWhen and how the verification took place. \nWhat specific documentation was used to confirm the accounts accuracy. \nDespite repeated disputes, Chase has failed to provide any method of verification. This is a clear violation of : 15 U.S.C. 1681s-2 ( b ) Duty to conduct a reasonable investigation.\n\n15 U.S.C. 1681e ( b ) Requirement to maintain maximum possible accuracy. \n\nFurthermore, these accounts have been verified as accurate multiple times, despite my clear evidence proving otherwise, including : A police report stating I am a victim of identity theft.\n\nAn FTC Identity Theft Report proving these accounts were fraudulently opened.\n\nMultiple disputes sent to both Chase and the credit bureaus, with Chase failing to comply with blocking provisions. \n\nChases repeated verification of fraudulent accounts is a willful violation of consumer protection laws, and I will not tolerate further harm to my credit profile. \n\nFinal Demand : Immediate Deletion or Lawsuit Due to Chase Banks blatant disregard for federal law and failure to act on clear evidence, I am demanding the immediate deletion of these accounts within 48 hours.\n\nIf these accounts are not permanently deleted, I will take the following legal actions : 1. File a federal lawsuit against Chase Bank for multiple FCRA violations, seeking : {$1000.00} per violation under 15 U.S.C. 1681n. \nActual damages for harm caused by fraudulent reporting. \nPunitive damages for willful noncompliance.\n\nAttorney fees and court costs.\n\n2. File another formal complaint with the Consumer Financial Protection Bureau ( CFPB ).\n\n3. File another complaint with the Office of the Comptroller of the Currency ( OCC ). 4. File another complaint with the Federal Trade Commission ( FTC ) regarding Chases refu\nsal to comply with identity theft blocking laws.\n\nFinal Notice This is Chases final opportunity to correct these violations before I take legal action. I expect a written confirmation of deletion within 48 hours. If Chase continues to verify these fraudulent accounts as accurate, I will immediately file suit. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-03-18T15:00:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92883","tags":null,"has_narrative":true,"complaint_id":"12543081","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-03-18T14:46:37.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Violation of Identity Theft Blocking Provisions ( FCRA 1681c-2 ) Under 15 U.S.C. 1681c-2, <em>when</em> a consumer submits an identity theft <em>report</em> and police <em>report</em>, Chase <em>Bank</em> is legally required to block and permanently delete fraudulent accounts.\n\nI have provided my police <em>report</em> and FTC Identity Theft <em>Report</em> multiple times. \nChase <em>Bank</em> has <em>failed</em> to comply with federal law by continuing to <em>report</em> these fraudulent accounts."],"product":["Credit reporting or other personal consumer <em>reports</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[11.530069,"12543081"]},{"_index":"complaint-public-v1","_id":"6453894","_score":11.469224,"_source":{"product":"Checking or savings account","complaint_what_happened":"DATE : XX/XX/XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX FLORIDA XXXX XXXX CitiBank XXXX XXXX XXXX XXXX XXXX : XXXX Account Number ending : Citibank locked me from online banking, cant view my account Debit Card number : XXXX Citibank address : XXXX XXXX XXXX, XXXX XXXX FL XXXX, XXXX Citibank branch number : XXXX Re : Consumer Financial Protection Bureau XXXX # XXXX Re : Office of the Comptroller of the Currency Case # XXXX Customer Respons to Citi Reference Number XXXX On XX/XX/XXXX the customer XXXX XXXX initiated an international wire transfer in the amount of {$22000.00}, on XX/XX/XXXX a Citibank representative called Citibank customer XXXX XXXX on the phone ( XXXX ) XXXX to verify the wire transfer. In the month of XX/XX/XXXX where made over 10 calls from Citibank XXXX XXXX XXXX to Citibank about his account, over the phone all calls were verified and the Citibank customer XXXX XXXX WAS VERIFIED by Citibank representatives. The Citibank representative verified and confirmed the wire transfer in the amount of {$22000.00} was successfully verified and successfully completed over the phone. ( Citibank customer XXXX XXXX recorded all calls ). Within 72 hours Citibank wrongfully stopped the wire transfer, and marked it fraud. Citibank violated and harmed Citibank customer XXXX XXXX by reporting false information on his account. \n\n\nCitibank is using manipulative law tactics by just replying partially to the complaint and NOT addressing the customer 's XXXX XXXX complaint in full, avoiding the customers questions and requests. \n\n\nCitibank confirms the closure of the account in XXXX, and 60 days and ignores entirely to respond to the release of the wire transfer in the amount of {$22000.00} and the date of the release, removing the word fraud from the wire transfer and confirming the available balance of the customer XXXX XXXX and when the XXXX XXXX funds will be released to him. \n\n\nCitibank unlawfully froze customer account XXXX XXXX and illegally NOT releasing the wire transfer in the amount of {$22000.00} THAT was wired from Citibank customer account XXXX XXXX Failing to adhere to consumer protections governing customers bank accounts : Enforcement Action Under the XXXX XXXX XXXX Reform and Consumer Protection Act, XXXX XXXX has XXXX authority to take action against institutions violating consumer financial laws, including engaging in unfair, deceptive, or abusive acts or practices. The customer XXXX XXXX order requires Citibank to : Release the wire transfer in the amount of {$22000.00} immediately and remove the word fraud from the Citibank customer XXXX XXXX wire transfer that Citibank illegally and falsely reported. \n\n\nClose all Citibank accounts relating to XXXX XXXX last SSN # XXXX immediately, and send all XXXX XXXX available funds to the address on file. The customer XXXX XXXX is requesting all communication from today XX/XX/XXXX, must be communicated ONLY via email and or mail, including confirmation of the above request. \n\n\nCitibank claims to protect their customers, we found out that Citibank did nothing that protected customer XXXX XXXX from this event, but acted unlawfully by freezing customer XXXX XXXX account, limiting customer XXXX XXXX from accessing his bank account, removing all bank access to customer XXXX XXXX account balance and Citibank continue to hold customer XXXX XXXX funds that are much needed now for a family emergency, he worked very hard for. \n\nOn the Citibank.com website account closure Citibank stated With your account closing, please remember to : Make sure that the address we have on file is correct- we will send any funds belonging to you to this address, once the account is closed. If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card. \n\n\nThe Citibank XXXX XXXX XXXX believes and is requesting all his funds be released sooner to him immediately before the closing date. The customer XXXX XXXX made several calls in the month of XX/XX/XXXX and the month of XX/XX/XXXX requesting all his funds be released to him and Citibank failed to comply again. \n\n\nIf Citibank fails to comply again within 20 days from today XX/XX/XXXX, the customer XXXX XXXX will file a lawsuit against Citibank over consumer law violations and demand compensation, and financial damage caused by Citibank. The Citibank violations affected the customer XXXX XXXX and his family member XXXX when Citibank wrongly and falsely frozen the wire transfer and did not allow the customer XXXX XXXX to have access to his and ONLY funds and/or bank account during a holiday trip, the customer XXXX XXXX still even now does not have access to his funds after verifying his bank account several times with Citibank. ( we listen to all calls between Citibank and customer XXXX XXXX, ALL CALLS HAVE BEEN RECORDED BY Citibank customer XXXX XXXX and will be attached as evidence if Citibank fails to release customer XXXX XXXX funds. \n\n\nThe Citibank customer XXXX XXXX, with the legal team, specialized in protecting customers from banking fraud and holding financial institutions accountable for wrongdoing, found several violations, violated by Citibank against customer XXXX XXXX. \n\n\nIf Citibank fails to release the wire transfer in the amount of {$22000.00} within 20 days from this complaint date a lawsuit will be filed against Citibank and all Citibank violations will be provided in court. \n\nIMPORTANT : Citibank customer XXXX XXXX changed his telephone number ( XXXX ) XXXX and can ONLY be reached only via email or mail on the Citibank customer file.","date_sent_to_company":"2023-01-18T16:36:37.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"6453894","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-01-18T16:08:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["The customer XXXX XXXX made several calls in the month of XX/XX/XXXX and the month of XX/XX/XXXX requesting all his funds be released to him and Citibank <em>failed</em> to comply again. \n\n\nIf Citibank <em>fails</em> to comply again within 20 days from today XX/XX/XXXX, the customer XXXX XXXX will file a <em>lawsuit</em> against Citibank over consumer law violations and demand compensation, and financial damage caused by Citibank."]},"sort":[11.469224,"6453894"]},{"_index":"complaint-public-v1","_id":"21489736","_score":11.398183,"_source":{"product":"Debt collection","complaint_what_happened":"I am a victim of significant identity theft and multiple forms of fraud. My sensitive data was exposed in multiple data leaks from medical providers e.g. XXXX XXXX, which is currently amidst a class action lawsuit due to the leaks, and remains available for purchase on the Dark Web. These leaks exposed sensitive data, like my social security number, as well as banking and payment information. \n\nXXXX XXXX XXXX XXXXXXXX account was severely affected and this is the law firm representing them. Both the Bank ( see complaint XXXX ) and XXXXXXXX XXXX XXXX have refused to accept my disputes of fraudulent, unauthorized charges on my credit card from the period of late XXXX. Ultimately, fraudsters were able to accumulate {$3200.00} worth of fraudulent and unauthorized charges. \n\nI made many attempts since then by phone and in writing to dispute the charges. In XX/XX/year>, I informed BOA I never received the card and requested a new one and was told to wait. In XX/XX/year>, when I called again the rep did not believe that I had not received it because charges were still being made on it. So the card that XXXX knew was compromised and stolen was allowed to stay open for over a year. All the while, accumulating more fraudulent charges. From XX/XX/year> onward whenever I attempted to dispute these charges and beg reps to shut the card down, I was met with hostility and disbelief. XXXX rep I recall was named XXXX refused to help and call threatened me into leaving my autopay enabled despite it being only fraudulent charges on the card. I was told they would take 'legal action ' and that if I failed to make payment it could ruin my credit, my ability to rent and much more. \n\nI filed a police report, a FTC Identity Theft Report, an IRS XXXX, and followed all of the FTC 's steps for victims of identity theft. I froze all my credit report. Proof of all of this was sent to XXXX multiple times and yet they refuse to help me and insist I owe the amount even though I did not authorize it. They also failed to investigate the fraud correctly multiple times, as noted in the recorded with the fraud rep XXXX from AK. XXXX initially did my disputes years ago filed them as if I was disputing the existence of the account rather than all of the charges from XXXX that amount up to {$3200.00}. \n\nI have done literally everything recommended by our government for victims of identity theft to prove this was not me. There is no reason why the same proof that I also submitted to credit bureaus, the police, the FTC, the IRS and XXXX ( the fraud was so widespread took out insurance in my name ) is not good enough for private corporate. Corporations do not make the law they should follow it.","date_sent_to_company":"2026-04-22T17:27:21.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"27518","tags":null,"has_narrative":true,"complaint_id":"21489736","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Glasser and Glasser, PLC","date_received":"2026-04-22T17:20:13.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I was told they would take 'legal action ' and that if I <em>failed</em> to make payment it could ruin my credit, my ability to rent and much more. \n\nI filed a police <em>report</em>, a FTC Identity Theft <em>Report</em>, an IRS XXXX, and followed all of the FTC 's steps for victims of identity theft. I froze all my credit <em>report</em>. Proof of all of this was sent to XXXX multiple times and yet they refuse to help me and insist I owe the amount even though I did not authorize it."]},"sort":[11.398183,"21489736"]},{"_index":"complaint-public-v1","_id":"16452180","_score":11.379762,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/XXXX Leadership : General Counsel XXXX XXXX Second Complaint to no avail from Capital One Legal Department and Executive Leadership Team I am filing a second complaint based on Capital One 's egregious statements made to the credit reporting agencies. a second complaint against Capital One for furnishing inaccurate and defamatory information to credit reporting agencies. Despite numerous requests, Capital One has failed to provide any documentation proving I am responsible for the alleged debt. Their only response has been that their investigation concluded the debt belongs to me. \n\nThis is unequivocally false. During the period this account was opened and used, I was XXXX  due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Therefore, I could not have opened, charged, or authorized this account. \n\nFurthermore, this debt was removed from my credit report twice, only to be reinserted by Capital One. My credit file was then updated, indicating that additional details were received, and it was concluded that the account belongs to me. Capital One 's response stating the file would show \" disputed '' is insufficient, as the debt is not mine. \n\nXXXX  subsequently sent a deeply hurtful and embarrassing letter, accusing me that, based on information from Capital One, I misrepresented facts, leading them to lock my credit file. The letter even accused me of obtaining goods and services under pretenses, which is entirely untrue. \n\nI have contacted Capital One 's General Counsel and legal department, offering to sign a release for my medical records, including video footage that substantiates my incapacitation. Instead of seeking further details, they have subtly implied my statements are inconsistent. \n\nI have attached emails sent to Capital One 's legal team requesting a draft of a release to review my medical files, which will exonerate me and clear my name. I urge you to investigate this matter thoroughly and ensure my credit report is corrected. Additionally, look into my repeated request to review any files Capital One one accused me of being dishonest and refuse to provide me access to but apparently has either made statements or provided the XXXX credit reporting agencies something to make them conclude outside of the records I provided which was the police report, the FTC fraud affidavit, and pictures which are limited medical information why I was incapacitated during the alleged time the account was opened and charges made even a cash advance. I am a victim of a sophisticated identity theft using VPN and proxy number and XXXX, and XXXX. \n\nXXXX. In account takeover fraud, criminals use a Virtual Private Network ( VPN ) or proxy server to make it appear as if they are accessing an account from the victim 's legitimate geographical location. This technique helps them bypass fraud detection systems that flag unusual login activity, such as a user suddenly accessing their account from a different country. \nXXXX. Location spoofing After obtaining the credentials, the fraudster uses a VPN or proxy service to mask their actual IP address. \nThese services route the fraudster 's internet traffic through a remote server. The victim 's bank or e-commerce site will then only see the IP address of the VPN or proxy server, making it appear that the login is coming from that server 's geographic location. \n\nMimicking the victim : By choosing a VPN or proxy server located near the victim 's addressthe location where the account originated or is typically accessedthe criminal can fool a key security check. \n\nAdversary-in-the-Middle '' ( AitM ) phishing : Attackers set up a proxy web server that acts as an invisible layer between the victim and the legitimate website. \nRelaying credentials : When the victim enters their username, password, and the one-time passcode ( OTP ) on the fake site, the proxy server instantly relays the information to the real website. \nSession hijacking : Once the legitimate service validates the authentication and issues a session cookie, the fraudster 's proxy server intercepts and steals it. This allows the fraudster to access the victim 's account without needing the OTP againProxy detection : Many fraud detection systems include technology to identify and flag IP addresses known to be associated with proxies and VPNs. \nIP intelligence : Analyzing an IP address can reveal not just its general location but also if it's high-risk or tied to botnets, helping to build better fraud detection algorithms. \nBehavioral biometrics : This method focuses on user behavior patterns rather than just IP addresses. It can detect anomalies like unusual typing speed, mouse movements, or navigation patterns, which can signal that the user is a bot or a fraudster. \nStronger XXXX : Using XXXX methods that are more resilient to AitM attacks, such as hardware security keys, can provide greater protection than traditional XXXX  or email-based XXXX. \nA XX/XX/XXXX class-action lawsuit alleges that Capital One improperly denied fraud claims based on faulty fraud-detection technology. The suit claims the bank relied on flawed data searches to \" mechanically '' reject fraud claims, failing to conduct reasonable investigations as required by federal law. \n\nDetails of the class-action lawsuit The plaintiff 's case : The suit was filed in the U.S. District Court for the XXXX XXXX  of California by a woman who reported {$1500.00} in unauthorized charges after her wallet was stolen. Capital One denied her claim with a form letter and no explanation, closing her checking account shortly after. \nAllegation of flawed technology : According to the complaint, Capital One 's fraud-detection process is a \" black-box '' system that wrongfully blames the consumer, ignoring the bank 's own legal obligation to prove a transaction was authorized. \nViolation of federal law : The lawsuit claims Capital One violated the Electronic Funds Transfer Act ( EFTA ), which requires banks to conduct a proper investigation into unauthorized transactions. The EFTA places the burden of proof on the bank, not the customer, and requires the bank to provide documentation of its investigation. \nCapital One has been the subject of numerous FCRA complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and various lawsuits over the years. The most frequent violations include : XXXX. Failure to Properly Investigate Disputes One of the most prevalent complaints involves Capital One failing to conduct reasonable investigations as required by the FCRA when consumers dispute information. Instead of thoroughly examining evidence provided by consumers, Capital One often : Conducts cursory, surface-level reviews Simply verifies that reported information matches their internal records ( without investigating whether those records are accurate ) Uses automated systems rather than human investigators for complex disputes A proper FCRA dispute investigation requires more than just checking internal databases. The law demands that furnishers like Capital One conduct a reasonable investigation that examines all relevant evidence. \n\nXXXX. Continued Reporting of Disputed Information Without Verification The FCRA requires that if information can not be verified as accurate following a dispute, it must be corrected or deleted. However, Capital One has been known to : Continue reporting disputed information even after failing to fully verify its accuracy Re-report previously deleted information without new evidence of accuracy Fail to mark accounts as disputed by consumer while investigations are pending XXXX. Inadequate Responses to Dispute Investigations Many consumers report receiving vague, form-letter responses from Capital One that : Lack specific details about what was investigated Fail to address the particular points raised in their dispute Provide no explanation for why the information was deemed accurate Omit copies of any documents relied upon during the investigation XXXX. Failure to Correct Information Across All Credit Bureaus When Capital One does correct erroneous information, they sometimes fail to notify all three major credit bureaus ( XXXX, XXXX, and XXXX ) of the correction, leaving inaccurate information on some of your credit reports. \n\nCapital Ones Policies on Credit Reporting Understanding Capital Ones approach to credit reporting can help you navigate potential FCRA issues : Dispute Procedures Capital Ones published dispute procedures include : An online portal for submission of disputes Stated investigation timeframe of up to 30 days ( the maximum allowed by the FCRA ) Options to add consumer statements to credit files Limited direct communication during the investigation process Unfortunately, this online dispute process often leads to superficial investigations. Capital One representatives handling online disputes typically have limited training in credit reporting laws and may simply match information against internal records rather than conducting genuine investigations. Even though Cap One wants you to dispute online, you are not limited to and should not use online dispute tools. Disputes made to the credit bureaus are routed to Capital One and give them fewer reasons to reject disputes.\n\nInternal Systems and Challenges Capital Ones credit reporting system faces several structural challenges : Heavy reliance on automated reporting systems with limited human oversight Departmental disconnects between fraud investigation teams and credit reporting teams Limited documentation systems for tracking dispute history Insufficient staff dedicated to dispute resolution compared to their massive customer base These systemic issues often result in a pattern of FCRA violations that can significantly impact consumers. Capital Ones conclusion subliminally says, There is no need for any further investigation because we did one and BELIEVE the account belongs to you, AND we are not releasing anything other than this letter from our database showing you lived at the address and the phone number, email address, and bank account belong to you. \n\nUnder duress and to clear my name, I have offered my private medical records to clear my name for once and for all. I am struggling financially and can not work within my field, and am facing homelessness because of Capital One 's bullying tactics. This is not my account, and I am being victimized all over again by Capital One 's false reporting and the credit reporting agencies ' reporting derogatory information based on verification obtained electronically. Based on recent reports regarding Capital One, what makes their credibility more credible than mine? I am being bullied at this point. \nRespectfully submitted XXXX XXXX","date_sent_to_company":"2025-10-08T14:13:30.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"16452180","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-10-08T14:13:05.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Failure to <em>Correct</em> Information Across All Credit Bureaus <em>When</em> Capital One does <em>correct</em> erroneous information, they sometimes <em>fail</em> to notify all three major credit bureaus ( XXXX, XXXX, and XXXX ) of the correction, leaving inaccurate information on some of your credit <em>reports</em>."]},"sort":[11.379762,"16452180"]},{"_index":"complaint-public-v1","_id":"3313494","_score":11.273567,"_source":{"product":"Debt collection","complaint_what_happened":"Hello. I wanted to send an email to discuss the issues that I am having with your organization. I didnt want to go this far, however I have exhausted all other avenues to get an issue resolved with the organization that you head as CEO. I hope this letter finds you in good spirits as we do not like to hear about the bad things going on in our organizations, however these items need to be brought to your attention. \n\nMy identity was stolen in XX/XX/XXXXwith a lost wallet and also again in XX/XX/XXXXwith the XXXX  Data Breach. I found out about a Wal-Mart store credit card that is on my credit report. The card was fraudulently opened in my name and I had no idea whom used my information other than the accounts were opened online at the retailer website and approved. This person used my SSN, DOB, Address, a fake email address and also opened several other accounts with other financial intuitions, which I may add that were all closed as fraud and identity theft and have been removed from my credit report. I am dealing with your organization Synchrony Bank ( Wal-Mart Credit Card ), and two others whom are very difficult to deal with and refuse to look at the facts like to other 11 creditors and removed them as fraud. \n\nOn XX/XX/XXXX I mailed Synchrony Bank the FTC fraud affidavit, my police report and also documents to prove who I am and that I did not open these accounts. The Items were delivered to your organization in XXXX, GA and XXXX, FL. The accounts that were opened in my name were a Lowes Advantage Account with Lowes Stores, a  Amazon Store Credit card, and also a Walmart Store credit card. I will say that I have resolution on the Lowes Advantage Credit card and it was removed from my credit and I was found not liable for the charges. When looking at the facts Synchrony Bank released me from this Lowes store credit card, because they knew it was fraudulent just like the Wal-Mart and Amazon cards. I will be reaching out to Amazons CEO as well. \n\nOn XX/XX/XXXX, I contact my identity theft protection and I also provided an Attorney in Fact POA to your organization, my attorney who is handling sent XX/XX/XXXX and received confirmation as well that it was signed for and then the fraud investigation began. I was told when I called on XX/XX/XXXX that all accounts would be looked into and in good faith sent the documents to prove my case to Synchrony Bank that the Wal-Mart Credit Card was opened in my name without my consent and was not aware of them. I have called several times and asked to speak to a manager of the fraud investigations department and was advised they do not take calls by contact names XXXX and a XXXX. My POA has also called which is my Attorney handling the case and asked to discuss the account and numerous times they have denied her access to the information. I have called again today XX/XX/XXXX and spoke to a XXXX and also a XXXX and my Attorney called and spoke to a female whom was not helpful other than to state that they found the information and will have the POA added to the account. When I spoke to XXXX on XX/XX/XXXX, he states he will send a escalated request to have the POA added and I demanded that after we have faxed and mailed documents 4 and 5 times that this is a little out of hand and someone is not doing their job only to find out that the paper work was just sitting on an employees desk and had not been entered into the system. If I would run the organization that I work for like that there would be some very large changes to the process to make this simpler for the consumer as well. \n\nOn XX/XX/XXXX, I filed a Consumer Protection Bureau complaint against Synchrony Bank for violation of the Fair Debt Collection Act, the Fair Debt Billing Act and also being in violation of regulations E and Z of the Truth and Lending Act. Synchrony Bank has not been honest with my attorney or myself in regards to this fraud case for the Walmart Store Credit Card, I was never notified and was never shown any information from Synchrony, about bank about rates and any other items had these cards were opened in my name as it is by law that you mail this information and these cards would have been caught sooner than now. Synchrony Bank has failed to provided me with any resolution and the Consumer Financial Protection Bureau will be seeking and watching for the response to me, which I have received on XX/XX/XXXX and this is why I am emailing you now Mr. XXXX. I have also filed a complaint with the Office of Comptroller of Currency against Synchrony Bank. \n\nOn XX/XX/XXXX a XXXX from Synchrony Bank corporate office called me and advised she is in receipt of my complaints and will respond in 10 business days. XXXX called from XXXX with a call back number of XXXX extension XXXX and I have yet to her from her. When I also spoke to XXXX he told me of the correct PO BOX in Ohio and the Fax # of XXXX, and we faxed the documents again and the case still remains open without any resolution so we sent again in good faith to your organization the documents by fax on XX/XX/XXXX and also by certified mail to the XXXX XXXX  XXXX Mail Code XXXX XXXX, OH XXXX, which will be delivered this week. \n\nMr. XXXX, I have done my research and found that Wal-Mart sued Synchrony Bank, XX/XX/XXXX for relaxing their credit standards and allowing things like this to occur. While reading this it brings to my attention that your organization saw something that triggered it to sue Synchrony Bank, whom manages your store credit cards, while your organization was trying to transfer the management of the cards to a more reputable organization like XXXX  XXXX, however you had to drop the lawsuit due to the losses your organization would have suffered from Synchrony at 11 % value and XXXX  XXXX was not willing to pay the loss in value to take over management of the credit cards your store offers to its consumers ( XXXX XXXX XXXX  ). \n\nMr. XXXX, when I read that after the time I am having with this bank that services your store credit cards, it make me wonder what else are they doing and allowing things like customer fraud and identity theft being involved. I was a valued Wal-Mart customer, and there is a store right where I live and I avoid it and drive 15 minutes to a XXXX. I know it may not mean much to you, but you have lost a valued customer at your store because of the company your organization keeps. I have dealt with Synchrony Bank all the way to the CEO XXXX XXXX office and no results or amical resolution. I also will be hiring an attorney and seeking to sue Synchrony Bank for mismanagement of this account and them allowing fraud and identity theft to occur. I would hate to bring Wal-Marts brand in along with this lawsuit. This is why I am reaching out to you. To seek your assistance with this fraud of a bank that your organization lets manage its credit cards, and reach an amical resolution to benefit us all. \n\nMy concern is if your organization allows Synchrony Bank to treat your loyal customers, whom show that they are victims of identity theft and also that person in good faith provides documentation that the accounts are fraud and they never opened them, nor made payments what is the issue? Does your organization continue to allow a company that violates laws set forth by the Congress of the United States of America and the Governmental agencies that monitor banks like Synchrony Bank?\n\nOn a personal note does Wal-Mart not have any empathy for someone like myself who has to deal with this? This has placed a tremendous amount of stress on me and thats why I have hired the attorney and my identity theft protection to take care of these matters, when I have to call 10 times to ask if a POA is on an account or why are you still holding me responsible for something that I did not do this is just unfair banking practices that Synchrony Bank participates in harming Wal-Marts brand and putting your organization in harms way of litigation. \n\nAlso to receive additional statements for balances owed and this is something that I did not apply for or acknowledge is a violation of the Fair Debt Collection Act, and I expect Synchrony and Wal-Mart to cease and desist. I want this removed and closed and letter sent. \n\nThe organization claims in pervious complaints that they opened the claims twice but each time came back with a different answer to try and hold me responsible for an account that was opened in my name fraudulently. If they would look at the facts and all the documents sent then they would realize that this account is fraud and they need to close it. Instead they keep on hanging onto open for a year and payments and then change it to benefited from goods and services. This makes no sense and, the organization Synchrony Bank has no clue to what they are doing.","date_sent_to_company":"2019-07-21T15:56:13.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"28078","tags":null,"has_narrative":true,"complaint_id":"3313494","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2019-07-21T15:38:40.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["I found out about a Wal-Mart store credit card that is on my credit <em>report</em>. The card was fraudulently opened in my name and I had no idea whom used my information other than the accounts <em>were</em> opened online at the retailer website and approved. This person used my SSN, DOB, Address, a fake email address and also opened several other accounts with other financial intuitions, which I may add that <em>were</em> all closed as fraud and identity theft and have been removed from my credit <em>report</em>."]},"sort":[11.273567,"3313494"]},{"_index":"complaint-public-v1","_id":"7069662","_score":11.252633,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX  credit report agency failed to investigate illegally activity identity thefts fraudulent paperwork refuse to investigate the original application make sure correct owner failed to provide documentation from XXXX XXXX XXXX fresh start to provide XXXX form identification provide by federal regulations guidelines applys to all Leanders in the United States department of Treasury securities of exchange FTC commission regulations wasn't no state issued identification on record make it invalid application should been denied approve until identification can be verified along with XXXX  credit report reported me on the file sents XXXX with out my knowledge my personal information was expose cross the United States an other out side county's applying for business loans mortgage loans other loans received the loans than worth it off as debt sign off with out my permission or my knowledge i suffer from getting denied credit denied placed of residence cause me to become homeless XXXX allowing this operation to happen with investigation my personal information can't be verified due data breaches an now XXXX XXXX XXXX XXXX harrissing me for payment that XXXX XXXX XXXX fresh start collect multiple times as paid debt on time payment due to XXXX  credit report agency allowing XXXX XXXX XXXX XXXX to continue to report delinquency on my credit report unpaid debt illegally corrupted they refuse to remove XXXX XXXX XXXX XXXX status account belong to me now I'm stuck suffering because of this an I suppose revenue commissioner unlawful activity company XXXX + credit use my personal information to apply loans I hold accountable for this Experian XXXX  deleted XXXX XXXX XXXX XXXX off my credit report bet XXXX  failure to investigate this fraudulent activity company running illegally allowing out country worker for the company so they don't half to file taxes on out country employees who collecting or personal information use it unlawful consumer support another failure to this company I here request full investigation request the original application which should have verification supposed to have to denied or approve line of credit which can't be verified no state issued identification number on record XXXX  request I Mail my social security number an state issued identification valid ID so they can try to cover their tracks due to the company having some type affiliation with these companies try collect an try to harm consumer credit score my credit score should be in good standard of standard instead they helped XXXX XXXX XXXX XXXX to defraud my credit report about payment I have nothing to do with never provided any type documents to apply for credit mistakes identity don't confuse me with family or friends have smiler name like mine using my social security number with out provide state issued identification number match my identity that why we supposed always keep valid identification up to date my personal information can't be verified in banking system that XXXX  department refuse to correct to my identity cyber security effect with Identity thefts so I can't receive my XXXX XXXX XXXX XXXX I bond because my personal information don't match the record bet with government issue bonds stocks shares bank is using an issue out to other lenders I'm not receiving a dime I'm XXXX because I'm keep getting denied credit card an other loans I'm the own the bond why the bank take over my estate property bonds illegally because they don't wanna correct my personal information in Data base system deleted all fraudulent accounts from my credit file cause my credit score to by XXXX  points make it poor so I can't get credit get approved due fraudulent company XXXX XXXX XXXX  failed removal them self from my credit report like Experian XXXX  removed XXXX XXXX XXXX XXXX  off my credit report identity thefts why XXXX  failed to comply with federal regulations guidelines reported illegally activity keep dropping my score self builder account paid in full XXXX  credit report reported something else on my credit report under they name now using it fraudulent instead increased my score drop my score to XXXX  poor wrong illegally operation violation rights Equal rights protection under 14 amendment united State Constitution federal law they in violation caused me harm an XXXX  XXXX  allowing this operation to happen to me cause me pain im correct XXXX  right now because all the bank toke my asset an sold all government commercial property cause me to lose revenue unredeemed bond that that mature refuse to provide access XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they all denied my right to assets my assets treating to arrest me if I come on property due to im XXXX man with asset that they toke transaction embezzlement money laundering wire transfer fraudulent fraudulent documents not be reported to IRS land taxes an XXXX  credit report agency involved with this corrupted banking system allowing this to happen to me toke control over my life an my identity all they asking me to mail my social security number an identification number why so they can have full access to my personal information to use against me or for the self i refuse to provide or Mail my personal information someone can take or steal USD again I'm supposed be protected by paperwork reduction act registration license active XXXX  controllers of currency CFPB regulations G 3170-0005 XXXX  XXXX XXXX XXXX  they refuse to analogy it it wrong my personal information need to be investigated bank need to be hold accountable for stealing government bonds assets for they own benefits reasons after this just happen again now still operating illegally when this going stop when I'm get my identity back XXXX  credit report agency an XXXX XXXX XXXX XXXX must provide documentation the original application must have everything on social security number an state issued identification expiration date years the license was issued an state which it was issued at can't prove that an u approve credit with correct verification verify identity an place of residence I'm not responsible for providing this document to nobody until this complete investigation be completed an I hereby request XXXX XXXX XXXX XXXX be deleted off my credit report an bank of America shouldn't be on my report due to error they made mistake they made on XXXX XXXX XXXX XXXX  denied my application with notifying me an they removed it they holding my government bonds XXXX XXXX I'm the holder of them asset an they toke it request mail identification cards an socal security number copy an Mail with it can be misplace or lose not taking no risk to anyone that not me I hereby request XXXX  XXXX  an Experian notify these companies inform them my credit is in good standard an they can't run no credit check to identity fraud an automatic approval for home loans mortgage loans credit card proved by federal regulations guidelines an protect by federal paperwork reduction act registration license all 3 credit report agency supposed to notify these banking companies an loan company informed them my credit is in good standard can't no company run any type credit report or check my credit due to fraudulent activity refuse to update the information an forward it to banking system XXXX XXXX fails to comply with federal regulations guidelines effect my ability to leave an hold my own property an assets that these banks is collect an withdrawal from my savings account an my trust account were they claimed powers of attorney because my identity can't be verified because credit report agency is harming my score get denied credit loans when.im.in title to compensation were I never received because they refuse to pay debt settlement agreement that was made by federal judges in united State of New York XXXX  global market cap that belong to me now credit report agency failed to comply still operating illegally violation consumer rights protection act everything must be updated an address must be corrected all fraud account must be removed including XXXX failed to comply with federal regulations guidelines reported incorrect information just provide us with requirements to apply for credit an any line of credit failed to do is automatically lawsuits pain an suffering motions damaged cause me to be XXXX  everything must be reported an delivery to XXXX XXXX XXXX federal reserve commission an FDIC insurance corporation security exchange commission an FTC commission along everyone must update this employment position on my credit report an also my personal information my be corrected I am Protection under safe act an paperwork reduction act registration license I must receive my credit loan license requirements by federal regulations every one must follow federal regulations no land should be auction off illegally failed to report federal revenue tax corporation force they XXXX XXXX  license revoked I am the supervisor over all federal banking system an credit union no everyone must pay federal land tax lease they place of employment no federal land is for sale running illegal operation with proving revenue reported failure to comply with federal regulations guidelines XXXX XXXX license automatic revoke filing falsely documents an report all banking system Cross the United States operation business with any stocks or shares in corporation landing out funds with permission automatic revoke an suspension or find maybe prosecution effective immediately XXXX  illegally banking transaction embezzlement money laundering wire transfer tax fraud federal offense prostitution will be filed stop to corrupted businesses agency running illegally scam with out paying federal land tax federal commercial sale illegally commercial property with federal regulations license all banking is under federal regulations failed to. 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