{"took":177,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":91,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10116261","_score":18.57006,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"PNCs Bank Secrecy Act ( BSA ) / Anti-Money Laundering ( AML ) and Sanctions program is a domain within Enterprise Compliance, with the chief AML officer reporting directly to the chief risk officer ( CRO ). The enterprise policy for the program aligns with regulatory requirements and provides governance and oversight of PNC business units. The program sets forth minimum BSA/AML and sanctions standards designed to ensure that PNC is providing compliant products and services and conducting business activities in compliance with applicable laws, rules and regulatory guidance. The chief AML officer provides program updates to multiple committees throughout the year. \n\nPunishments for international fraud can vary depending on the type of crime and the jurisdiction : Wire fraud A federal crime in the United States, wire fraud can result in up to 20 years in prison and {$250000.00} in fines. If the crime affects a financial institution, the penalty can increase to 30 years in prison and {$1.00} million in fines. \nAnti-Money Laundering ( AML ) sanctions Violations of AML sanctions can result in serious legal consequences, including fines of up to {$20.00} XXXX and imprisonment for up to 30 years. \n\nFraud is considered to be false representation, dishonesty, or deceit, and can break both civil and criminal law. \nI am a PNC Bank SCAM/FRAUD victim in the amount of {$900000.00} consisting of XXXXXXXX XXXX XXXXXXXX XXXX XXXX PNC Bank XXXX The issue at hand is I did not approve the XXXX XXXX sent from my PNC Bank checking and savings accounts ( see documentation ). To date, the FBI, Dept. of Homeland Security, Dept. of Justice, and other federal agencies including the XXXX XXXX have ignored my complaints. PNC Bank is also accusing me of the SCAM/FRAUD and XXXXXXXX XXXX XXXX \n\nMy biggest concern is being accused of money fraud and anti-money laundering with the PNC Bank XXXX XXXX XXXX in the amount of {$900000.00}. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-09-13T01:33:00.000Z","issue":"Fraud or scam","sub_product":"International money transfer","zip_code":"280XX","tags":"Older American","has_narrative":true,"complaint_id":"10116261","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2024-09-13T01:19:38.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Anti-Money Laundering ( AML ) <em>sanctions</em> <em>Violations</em> of AML <em>sanctions</em> can <em>result</em> in <em>serious</em> <em>legal</em> consequences, including fines of up to {$20.00} XXXX and imprisonment for up to 30 years. \n\nFraud is considered to be false representation, dishonesty, or deceit, and can break both civil and criminal law."]},"sort":[18.57006,"10116261"]},{"_index":"complaint-public-v1","_id":"14217220","_score":15.693091,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/year>, my vehicle was repossessed by Capital One Auto Finance. As of XXXX, XX/XX/year>, I have not received the required Notice of Seizure or Notice of Intent to Sell/Disposition of Collateral , in violation of California Civil Code 2983.2. These notices must be provided within strict timeframes following a repossession and are a legal prerequisite for collecting any balance or deficiency. Capital One has failed to comply. \n\nI formally requested the name and license number of the repossession company, a full breakdown of charges, and copies of all post-repossession notices. Capital One has not responded. This denies me the opportunity to redeem the vehicle or dispute any amounts, and creates serious procedural due process issues. \n\nIn addition, I initiated arbitration with Capital One through the XXXX XXXX XXXX XXXX XXXX ) under their own agreement. The XXXX issued a fee invoice to Capital One on XX/XX/year>, but Capital One failed to pay it within 30 days. Under California Code of Civil Procedure 1281.97, this constitutes a material breach of the arbitration agreement. As a result, I have the legal right to withdraw from arbitration and pursue relief in court, along with statutory sanctions, evidentiary penalties, and attorneys fees.\n\nCapital One continues to pursue adverse actions ( repossession, derogatory credit reporting, and collections ) despite defaulting in arbitration and ignoring multiple statutory protections under California and federal law.\n\nLastly, XXXX  and XXXX  continue to report this account inaccurately showing inflated balances, conflicting payment histories, and missing key data in violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ). These inaccuracies harm my creditworthiness and restrict access to financing opportunities.","date_sent_to_company":"2025-06-22T21:24:16.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"90029","tags":null,"has_narrative":true,"complaint_id":"14217220","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-06-22T21:12:03.000Z","state":"CA","company_public_response":null,"sub_issue":"Notice to repossess"},"highlight":{"complaint_what_happened":["As a <em>result</em>, I have the <em>legal</em> right to withdraw from arbitration and pursue relief in court, along with statutory <em>sanctions</em>, evidentiary penalties, and attorneys fees.\n\nCapital One continues to pursue adverse actions ( repossession, derogatory credit reporting, and collections ) despite defaulting in arbitration and ignoring multiple statutory protections under California and federal law."]},"sort":[15.693091,"14217220"]},{"_index":"complaint-public-v1","_id":"16871427","_score":15.343683,"_source":{"product":"Checking or savings account","complaint_what_happened":"To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Formal Complaint Discriminatory and Defamatory Conduct by Wise ( TransferWise ) and Unlawful Account Closure Dear Sir or Madam, I am submitting this complaint against Wise ( formerly TransferWise ) for unlawful, discriminatory, and defamatory practices that resulted in the closure of my accounts, the blocking of lawful transactions, and financial and reputational harm. \n\nOn XX/XX/year>, I opened and funded Wise accounts in EUR and USD, and later in PLN. The accounts were used exclusively for lawful transactions within the XXXX XXXX, primarily charitable donations to assist XXXXXXXX XXXX XXXX  and their families. \n\nOn XX/XX/year>, I attempted to send a donation to the XXXX XXXX XXXX XXXX XXXX XXXX, a registered XXXX in XXXX. Wise blocked the transfer, demanded explanations, and was provided with full legal documentation confirming the organizations legitimacy. Despite this, Wise canceled the payment and later blocked all my accounts. \n\nOn XX/XX/year>, Wise claimed that my account was under sanctions review and that I must confirm I would not send money directly or indirectly to XXXX, XXXX, XXXX, or other sanctioned territories. This language falsely associates mea U.S. citizen and person found to be XXXX XXXX XXXX XXXX XXXXwith sanctioned or criminal activity. Such statements are defamatory and have caused serious reputational harm. \n\nOn XX/XX/year>, Wise deactivated my accounts without prior notice or justification. Its website displays generic reasons such as trading cryptocurrency or purchasing illegal goods, thereby implying that I engaged in illegal activity, which is false and damaging. Wise has refused to communicate with me or explain its actions.\n\nWises conduct constitutes : 1. Unfair and deceptive practices in violation of the Dodd-Frank Act ( 12 U.S.C. 5531 ).\n\n2. Discrimination based on national origin and political association, contrary to the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) and CFPB Regulation B.\n\n3. Defamation, causing both financial loss and reputational damage.\n\nI request that the Consumer Financial Protection Bureau : * Conduct a formal investigation into Wises discriminatory and deceptive conduct.\n\n* Require Wise to restore my accounts and provide a written correction of false statements.\n\n* Ensure compliance with U.S. consumer protection and anti-discrimination laws.\n\n* Inform me of the results of this complaint.\n\nI declare under penalty of perjury that this complaint is true and correct to the best of my knowledge.\n\nRespectfully submitted, XXXX XXXX, XXXX. \nXXXXXXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-10-28T18:35:01.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"16871427","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TransferWise Ltd","date_received":"2025-10-28T18:26:52.000Z","state":"TX","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Wise blocked the transfer, demanded explanations, and was provided with full <em>legal</em> documentation confirming the organizations legitimacy. Despite this, Wise canceled the payment and later blocked all my accounts. \n\nOn XX/XX/year>, Wise claimed that my account was under <em>sanctions</em> review and that I must confirm I would not send money directly or indirectly to XXXX, XXXX, XXXX, or other <em>sanctioned</em> territories."]},"sort":[15.343683,"16871427"]},{"_index":"complaint-public-v1","_id":"13790674","_score":14.159405,"_source":{"product":"Mortgage","complaint_what_happened":"XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington , DC XXXX Online Submission : https : //www.consumerfinance.gov/complaint/ Subject : Complaint Against Select Portfolio Servicing , Inc. for RESPA Violations and Mishandling of Mortgage Account To Whom It May Concern, I am submitting this formal complaint against Select Portfolio Servicing, Inc. ( SPS ) for systemic violations of the Real Estate Settlement Procedures Act ( RESPA ), as well as ongoing mismanagement and improper handling of my mortgage account, resulting in legal and financial harm. \n\nBackground : - Original Foreclosure Order Date : XX/XX/XXXX - Multiple XXXX XXXX XXXX Filed : ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) - Motion to Reactivate Foreclosure Post Dismissal : Most recently on XX/XX/XXXX - Servicer : SPS Despite court bankruptcy plans and substantial plan payments made to SPS, the company has failed to : 1. Provide a detailed accounting of all funds paid and how they were applied.\n\n2. Amortize arrearages accurately in line with federal bankruptcy rules and agreements.\n\n3. Respond appropriately and timely to qualified written requests ( QWRs ).\n\n4. Engage in meaningful or transparent loss mitigation efforts.\n\nFurther, SPS has reactivated foreclosure proceedings more than three years after the original order was entered, raising serious concerns about legal staleness, due process violations, and consumer harm.\n\nSpecific Allegations : - Failure to comply with RESPA by ignoring written requests for information and loss mitigation assistance.\n\n- Unexplained discrepancies in balance calculations and failure to reconcile past payments.\n\n- Misreporting or withholding information critical to my ability to cure the debt.\n\n- Continuous legal harassment through reactivation of stale foreclosure claims.\n\nRequested Relief : 1. Full audit of my mortgage account by a neutral third party or federal examiner.\n\n2. Enforcement of RESPA and other federal protections regarding transparency and consumer rights.\n\n3. Immediate halt to all collection or foreclosure activities until SPS complies with federal law and resolves the disputed account.\n\n4. Monetary penalties or sanctions for willful noncompliance.\n\nI am attaching my prior complaint to SPSs Ombudsman and demand swift regulatory intervention to protect my rights as a borrower. Thank you for your time and attention to this urgent matter.","date_sent_to_company":"2025-05-29T15:21:14.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"27455","tags":null,"has_narrative":true,"complaint_id":"13790674","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2025-05-29T15:12:10.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu"},"highlight":{"complaint_what_happened":["and improper handling of my mortgage account, <em>resulting</em> in <em>legal</em> and financial harm."]},"sort":[14.159405,"13790674"]},{"_index":"complaint-public-v1","_id":"13007667","_score":12.572807,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against XXXX XXXX for Continued Reporting of Charged-Off Debt in Violation of the Fair Credit Reporting Act ( FCRA ) and IRS Regulations To Whom It May Concern, I am filing a formal complaint against XXXXXXXX XXXX for its unlawful and continued reporting of a charged-off debt to all three major credit bureaus ( Experian, XXXX XXXX XXXX ), in direct violation of multiple federal laws, including the Fair Credit Reporting Act ( FCRA ).\n\nThe account in question is a XXXX credit card with an alleged balance of {$7400.00}, which XXXX has classified as a charge-off. According to the reporting, the account was opened on XX/XX/XXXX and charged off on or around XX/XX/XXXX. \nGrounds for My Dispute and Legal Violations : XXXXXXXX XXXX XXXX Failed to Provide Validation ( FCRA 609 ) I submitted formal disputes to all three bureaus requesting validation of this debt. XXXXXXXX XXXX failed to provide any legally sufficient documentation, such as a signed agreement, billing statements, or transaction records. Despite this, they continue to report this account as valid.\n\n2. Failure to Properly Investigate My Dispute ( FCRA 611 ) XXXX verified the account with the bureaus without conducting a proper investigation. They provided no documentation to me. This constitutes a violation of FCRA 611 and gives grounds for deletion of the tradeline.\n\n3. Violation of FCRA 1681e ( b ) Inaccurate and Unverified Reporting My credit reports also contain multiple name variations and outdated addresses, which may have led to file mixing or incorrect attribution. XXXX  has not taken steps to ensure accuracy in their reporting, further violating their responsibilities under 1681e ( b ).\n\n4. IRS Reporting Conflict 1099-C Never Issued A charge-off of this magnitude ( {$7400.00} ) should trigger the issuance of an IRS Form 1099-C ( Cancellation of Debt ). I have never received a 1099-C from XXXX. If XXXX charged off this amount for tax purposes, the debt should be considered forgiven and legally uncollectible. If they did not file a 1099-C, then the continued reporting of the balance is deceptive and inconsistent with tax reporting standards.\n\nThis discrepancy suggests either : The debt has been forgiven and should not be reported as collectible, or The debt is being falsely reported as charged-off without fulfilling the IRS requirements , and is therefore an unverified derogatory tradeline.\n\n5. Damage to My Credit and Livelihood As a result of XXXX  negligent and willful reporting, my credit score has been severely impacted, and I am unable to qualify for housing and financial services. This constitutes harm under FCRA 1681n and 1681o, for which I may seek legal remedies. \n\nRequest for Relief : Immediate investigation by the CFPB into XXXX XXXX  reporting practices Removal of the XXXX XXXX  charge-off account from all three credit bureaus due to failure to validate, improper investigation, and inconsistent tax treatment Sanctions and corrective action if XXXX is found to be violating FCRA or misrepresenting consumer debts across systems I am attaching supporting documentation, including dispute letters, my credit reports, and a formal request for validation submitted to Discover. \nThank you for your time and attention to this serious matter. I trust the CFPB will act promptly to hold XXXX XXXX  accountable. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-04-15T18:31:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91303","tags":null,"has_narrative":true,"complaint_id":"13007667","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-15T18:30:35.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Damage to My Credit and Livelihood As a <em>result</em> of XXXX  negligent and willful reporting, my credit score has been severely impacted, and I am unable to qualify for housing and financial services. This constitutes harm under FCRA 1681n and 1681o, for which I may seek <em>legal</em> remedies."]},"sort":[12.572807,"13007667"]},{"_index":"complaint-public-v1","_id":"12993295","_score":12.566238,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against Discover Bank for Continued Reporting of Charged-Off Debt in Violation of the Fair Credit Reporting Act ( FCRA ) and IRS Regulations To Whom It May Concern, I am filing a formal complaint against Discover Bank for its unlawful and continued reporting of a charged-off debt to all three major credit bureaus ( Experian, Equifax, and TransUnion ), in direct violation of multiple federal laws, including the Fair Credit Reporting Act ( FCRA ).\n\nThe account in question is a Discover credit card with an alleged balance of {$7400.00}, which Discover has classified as a charge-off. According to the reporting, the account was opened on XX/XX/XXXX and charged off on or around XX/XX/XXXX. \nGrounds for My Dispute and Legal Violations : 1. Discover Bank Failed to Provide Validation ( FCRA 609 ) I submitted formal disputes to all three bureaus requesting validation of this debt. Discover Bank failed to provide any legally sufficient documentation, such as a signed agreement, billing statements, or transaction records. Despite this, they continue to report this account as valid.\n\n2. Failure to Properly Investigate My Dispute ( FCRA 611 ) Discover verified the account with the bureaus without conducting a proper investigation. They provided no documentation to me. This constitutes a violation of FCRA 611 and gives grounds for deletion of the tradeline.\n\n3. Violation of FCRA 1681e ( b ) Inaccurate and Unverified Reporting My credit reports also contain multiple name variations and outdated addresses, which may have led to file mixing or incorrect attribution. Discover has not taken steps to ensure accuracy in their reporting, further violating their responsibilities under 1681e ( b ).\n\n4. IRS Reporting Conflict 1099-C Never Issued A charge-off of this magnitude ( {$7400.00} ) should trigger the issuance of an IRS Form 1099-C ( Cancellation of Debt ). I have never received a 1099-C from Discover. If Discover charged off this amount for tax purposes, the debt should be considered forgiven and legally uncollectible. If they did not file a 1099-C, then the continued reporting of the balance is deceptive and inconsistent with tax reporting standards.\n\nThis discrepancy suggests either : The debt has been forgiven and should not be reported as collectible, or The debt is being falsely reported as charged-off without fulfilling the IRS requirements XXXX and is therefore an unverified derogatory tradeline. \n5. Damage to My Credit and Livelihood As a result of Discovers negligent and willful reporting, my credit score has been severely impacted, and I am unable to qualify for housing and financial services. This constitutes harm under FCRA 1681n and 1681o, for which I may seek legal remedies.\n\nRequest for Relief : Immediate investigation by the CFPB into Discover Banks reporting practices Removal of the Discover Bank charge-off account from all three credit bureaus due to failure to validate, improper investigation, and inconsistent tax treatment Sanctions and corrective action if Discover is found to be violating FCRA or misrepresenting consumer debts across systems I am attaching supporting documentation, including dispute letters, my credit reports, and a formal request for validation submitted to Discover.\n\nThank you for your time and attention to this serious matter. I trust the CFPB will act promptly to hold Discover Bank accountable. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-04-15T18:31:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91303","tags":null,"has_narrative":true,"complaint_id":"12993295","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-04-15T18:14:39.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Damage to My Credit and Livelihood As a <em>result</em> of Discovers negligent and willful reporting, my credit score has been severely impacted, and I am unable to qualify for housing and financial services. This constitutes harm under FCRA 1681n and 1681o, for which I may seek <em>legal</em> remedies."]},"sort":[12.566238,"12993295"]},{"_index":"complaint-public-v1","_id":"13129691","_score":12.5219555,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Category : Credit Reporting Improper use of my credit report / Incorrect information on credit report Complaint Summary ( Legal Version with Objective ) : Objective : I am requesting the permanent removal or blocking of all inaccurate and unauthorized tradelines related to my apartment lease from my credit reports across all consumer reporting agencies ( CRAs ) ; enforcement of compliance with the Fair Credit Reporting Act ( FCRA ) by the data furnishers and CRAs ; and a formal investigation into the misuse of my identity and credit information by the reporting entities and the leasing office responsible. \n\nComplaint Details : This complaint involves serious and repeated FCRA violations by XXXX XXXX XXXX XXXX, TX ) and its property manager XXXX XXXX, who disclosed my Social Security Number and personal information to up to ten unauthorized third-party vendors without my knowledge or consent ( violation of FCRA 604 Permissible Purpose ).\n\nAs a result, two vendorsXXXX XXXX and Bilt Rewardshave both reported the same lease account, creating duplicate tradelines in violation of FCRA 605 ( a ) and 605B. One of these tradelines, as reflected on my TransUnion report, states 0 % of payments made on time, omits at least 5 months of timely rent payments, and misrepresents my payment history entirelydespite the lease being paid 100 % on time, in full, via auto-draft. \n\nI have confirmed that neither XXXX nor XXXX  show this tradeline at all, further demonstrating reporting inconsistency and a lack of proper authorization. These false entries lowered my credit score by XXXX points, from XXXX to XXXX, causing financial harm, emotional distress, and denial of creditworthiness.\n\nI attempted for over a year to resolve the issue directly with the vendors, who have refused to correct or remove the errors despite formal notice, in violation of FCRA 611 ( Dispute Process ). I have also now filed disputes with all CRAs and placed security freezes on my accounts. I have filed an FTC Identity Theft Report to document the data misuse and financial injury, and this meets the requirements of FCRA 605B for blocking fraudulent information. \n\nRequested Resolution : Immediate deletion or blocking of all affected tradelines under FCRA 605B Formal reinvestigation and removal of erroneous tradelines under FCRA 611 Sanctions or penalties against the data furnishers for unauthorized disclosure and duplicate reporting in violation of FCRA 604 and 605 CFPB enforcement action to ensure future compliance and to prevent further identity and credit abuse by this property manager and associated vendors I am submitting this complaint to hold the responsible parties accountable and to restore the accuracy, privacy, and integrity of my credit record.","date_sent_to_company":"2025-04-23T20:05:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"787XX","tags":null,"has_narrative":true,"complaint_id":"13129691","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bilt Technologies, Inc.","date_received":"2025-04-23T20:05:06.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Complaint Details : This complaint involves <em>serious</em> and repeated FCRA <em>violations</em> by XXXX XXXX XXXX XXXX, TX ) and its property manager XXXX XXXX, who disclosed my Social Security Number and personal information to up to ten unauthorized third-party vendors without my knowledge or consent ( <em>violation</em> of FCRA 604 Permissible Purpose )."]},"sort":[12.5219555,"13129691"]},{"_index":"complaint-public-v1","_id":"8579078","_score":12.414841,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"To the Consumer Financial Protection Bureau, Subject : Complaint Against Bank of America XXXX XXXX XXXX for Aiding and Abetting Bank Fraud and Embezzlement I, XXXX XXXX, a lawful beneficiary of the estate of XXXX XXXX XXXX XXXX and son of XXXX XXXX ( the Defendant ), hereby lodge a formal complaint against the XXXX XXXX XXXX XXXX at Bank of America. This complaint is grounded on their involvement in suppressing evidence and aiding and abetting the embezzlement of my trust fund distribution by my mother, XXXX XXXX, in clear violation of my legal rights and interests as delineated under New Jersey 's probate, trust, and fiduciary laws. \n\nXXXX. **Nature of the Action : ** This complaint arises from a breach of fiduciary duty, undue influence, fraudulent concealment, and abuse of power of attorney related to the estate and trust of XXXX XXXX XXXX XXXX XXXX as well as bank fraud and embezzlement facilitated by the Bank of America XXXX XXXX XXXX XXXX. The actions of the Defendant, supported tacitly and explicitly by Bank of America, have directly resulted in the misappropriation of funds meant for my maintenance, health, education, and well-being, as explicitly called for in the terms of the Deed of Trust and the Last Will of XXXX XXXX XXXX XXXX XXXX XXXX **Factual Allegations : ** The Defendant, exploiting her fiduciary position and in collusion with Bank of America 's XXXX XXXX XXXX XXXX, engaged in unauthorized financial transactions, including the opening of joint bank accounts in my name without my consent and using counterfeit documents. These actions facilitated the Defendant 's self-dealing and unauthorized withdrawal of {$200000.00} from accounts under my name, significantly impacting my financial stability. \n\nXXXX. **Failure of BOA to Address Fraud : ** Despite multiple attempts to address these unauthorized transactions through Bank of America 's internal investigation channels, I was met with systematic suppression and rerouting of my complaints to the very members of the XXXX XXXX XXXX team implicated in covering up the Defendant 's fraudulent activities. This not only hindered my efforts to rectify the situation but also facilitated the Defendant 's continued misuse of trust assets XXXX. **Aiding and Abetting by BOA : ** The actions of Bank of America 's XXXX XXXX XXXX XXXX, including the failure to properly investigate and address clear instances of fraud and embezzlement, as well as their direct interference in my attempts to seek justice, constitute aiding and abetting the Defendant 's misconduct. This has directly resulted in significant financial harm and emotional distress, undermining the fiduciary principles that should govern the administration of my grandfather 's estate and trust. \n\nIn light of the above, I urge the Consumer Financial Protection Bureau to take immediate action against Bank of America and its XXXX XXXX XXXX  team for their complicity in these serious breaches of trust and violations of financial regulations. This action should include a thorough investigation into the practices of the XXXX XXXX XXXX team, appropriate sanctions for the suppression of evidence and aiding in financial misconduct, and restitution for the financial and emotional harm inflicted upon me as a result of these actions. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-03-19T15:59:29.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"8579078","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-03-19T15:16:49.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["This has directly <em>resulted</em> in significant financial harm and emotional distress, undermining the fiduciary principles that should govern the administration of my grandfather 's estate and trust. \n\nIn light of the above, I urge the Consumer Financial Protection Bureau to take immediate action against Bank of America and its XXXX XXXX XXXX  team for their complicity in these <em>serious</em> breaches of trust and <em>violations</em> of financial regulations."]},"sort":[12.414841,"8579078"]},{"_index":"complaint-public-v1","_id":"17801618","_score":12.180746,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Subject : Formal Complaint Regarding Predatory Lending, TILA Violations, and Deceptive Practices in Account # XXXX To the Consumer Financial Protection Bureau, I am filing this formal complaint against Credit Acceptance Corporation ( CAC ) regarding the above-referenced auto loan account. My complaint involves multiple serious issues, including : Predatory and unaffordable loan terms.\n\nViolations of the Truth in Lending Act ( TILA ) through inaccurate disclosures.\n\nDeceptive \" loan packing '' by including an overpriced, optional service contract.\n\nMisleading and inaccurate communication from CAC 's legal counsel intended to deceive me about my rights.\n\nI have attempted to resolve these issues directly with CAC, but their response, from Legal Counsel XXXX XXXX, was deceptive and failed to address the core violations. I am now seeking the CFPB 's assistance and intervention. \n\nXXXX. Predatory, High-Cost Loan and Potential \" Loan Packing '' The loan I was provided is characteristic of the predatory practices for which CAC has been repeatedly sanctioned. \n\nThe loan was for a XXXX XXXX XXXX XXXX with XXXX miles. \nThe \" Cash Price '' of the vehicle was listed as {$20000.00}. \nDespite a {$3000.00} down payment, the \" Amount Financed '' was {$20000.00}. \nThe Total of Payments is {$34000.00}, with a Finance Charge of {$14000.00}, resulting in an APR of approximately 27.5 %. \n\nFurthermore, the loan was \" packed '' with a {$1600.00} \" Optional Extended Warranty or Service Contract '' for a 6-year-old, high-mileage vehicle. This is an exorbitant fee for a product of questionable value and significantly inflated the total debt I was forced to finance at this predatory interest rate. \n\n( See attached Exhibit A : Retail Installment Contract, Truth in Lending Disclosures, and Itemization of Amount Financed ) 2. Violations of the Truth in Lending Act ( TILA ) - Inaccurate Disclosures The \" Itemization of Amount Financed '' in my contract contains a clear and material inaccuracy, violating TILA 's requirement for clear and accurate cost disclosures.\n\nThe contract states the \" Cash Price '' is {$23000.00}. \nThis figure is itemized as : Motor Vehicle ( {$20000.00} ) + Sales Tax ( {$1200.00} ) + Accessories ( {$0.00} ) = {$21000.00}. \nThere is a discrepancy of {$1700.00} that is not accounted for. \n\nThis mathematical error misrepresents the true cost of the vehicle and the nature of the financing, preventing me from having accurate information to make an informed financial decision. \n\nXXXX. Deceptive and Misleading Communication from CAC Legal Counsel In response to my initial dispute, I received a letter from XXXX XXXX, Legal Counsel in CAC 's Compliance Department. In this letter, he falsely stated that a \" notice to cosigner '' granted CAC the right to report negative information to credit bureaus without prior notice. \n\nThis is a gross misrepresentation of a \" Notice to XXXX, '' which is a federally mandated disclosure designed to inform a cosigner of their liability, not to waive their rights under the Fair Credit Reporting Act ( FCRA ). This communication was a deliberate attempt to mislead me and deter me from pursuing a valid dispute. \n\n( See attached Exhibit B : Letter from XXXX XXXX of CAC ) 4. Pattern of Illegal Conduct by XXXX XXXX These issues are not isolated. They reflect a documented pattern of illegal conduct by CAC, as seen in : The XXXX Massachusetts Attorney General 's lawsuit and {$7.00} XXXX settlement for making unaffordable loans and creating a \" repossession pipeline. '' The XXXX CFPB finding that CAC engaged in \" illegal activities, '' including deceptive collection tactics. \nThe XXXX XXXX DOJ {$27.00} XXXX settlement for securities fraud related to misrepresenting loan quality to investors. \n\nMy loan and the subsequent deceptive communication are manifestations of this same corporate pattern of predatory lending and deception. \n\nRequest for Relief I request that the CFPB investigate Credit Acceptance Corporation for these violations. Specifically, I ask that you require CAC to : 1. Permanently delete the late payment and any other negative reporting associated with this account from all three national credit bureaus.\n\n2. Reform the loan terms to remove the illegally packed {$1600.00} service contract and its associated finance charges, and to provide an accurate, lawful accounting. \n3. Provide monetary compensation for the damages suffered due to these illegal practices.\n\nThank you for your attention to this serious matter. The attached documents support my claims.\n\nRespectfully, Enclosures : Exhibit A : Retail Installment Contract ( Pages 1-2 ) Exhibit B : Letter from XXXX XXXX XXXX CAC Legal Counsel","date_sent_to_company":"2025-11-21T18:53:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Loan","zip_code":"48135","tags":null,"has_narrative":true,"complaint_id":"17801618","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2025-11-21T18:25:43.000Z","state":"MI","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":["Thank you for your attention to this <em>serious</em> matter. The attached documents support my claims.\n\nRespectfully, Enclosures : Exhibit A : Retail Installment Contract ( Pages 1-2 ) Exhibit B : Letter from XXXX XXXX XXXX CAC <em>Legal</em> Counsel"]},"sort":[12.180746,"17801618"]},{"_index":"complaint-public-v1","_id":"14702665","_score":11.095285,"_source":{"product":"Checking or savings account","complaint_what_happened":"TO : Consumer Financial Protection Bureau RE : XXXX XXXX XXXX Bank of America for Unauthorized Account Access and Data Breach Related To Complaint XXXX I am submitting a formal complaint against Bank of America concerning unauthorized access and alteration of my personal banking information. This breach directly implicates XXXX  XXXX XXXX failure to secure my account and prevent unauthorized third-party access, specifically involving an email address belonging to XXXX XXXX ( XXXX ) being added without my knowledge, consent, or authorization. \nOn XX/XX/XXXX, I discovered this unauthorized secondary email was added to my Bank of America account on XX/XX/XXXX. I have never authorized XXXX XXXX or any representative to access, modify, or receive communications related to my account. Bank of America failed to provide any explanation, justification, or remedial action beyond instructing me to delete the unauthorized email after I reported it. \nDespite my prompt reporting, Bank of America demonstrated gross negligence by allowing this breach to persist undetected for nearly XXXX months. This incident reveals serious systemic failures in their data security protocols, customer account protections, and internal monitoring systems. \nLEGAL VIOLATIONS : XXXX  XXXX XXXX conduct constitutes multiple statutory violations including but not limited to : XXXX. Violation of the XXXX XXXX XXXX XXXX ( 12 U.S.C. 5531, 5536 ) for unfair, deceptive, or abusive acts or practices allowing unauthorized access. \nXXXX. Violation of the XXXX XXXX ( XXXX XXXX. XXXX XXXX XXXX ) for failure to implement adequate safeguards to protect consumer financial data. \nXXXX. Negligence in cybersecurity governance resulting in unauthorized access and potential harm to consumer privacy and financial security. \nXXXX. Breach of fiduciary duty to maintain the confidentiality and integrity of customer information. \nBACKGROUND AND CONTEXT : I re-enrolled in XXXX  XXXX XXXX online banking in XXXX after the bank accidentally disenrolled me. At no point during this process or afterward did I authorize or consent to the addition of any third-party email address. This unauthorized change was discovered only after I received a suspicious email today XX/XX/XXXX purportedly from Bank of America and verified my account information directly. Per the customer service rep she confirmed no emails had been sent from their department today. \nXXXX  XXXX XXXX failure to detect or prevent this unauthorized access, and its inability to provide any meaningful explanation or internal investigation, constitutes a fundamental breach of trust and security obligations owed to me as a customer. \nThis matter is urgent and demands the full investigative authority of the CFPB. I stand ready to provide all supporting documentation, including screenshots, correspondence, and detailed statements. \nPRIOR HISTORY OF MALFEASANCE : XXXX XXXX XXXX XXXX has a well-documented history of consumer fraud, professional misconduct, and regulatory scrutiny. XXXX, XXXX, and various forums host consumer complaints alleging financial harm, unauthorized legal representation, and identity tampering. XXXX consumer explicitly claimed that XXXX unlawfully accessed their Bank of America account, mirroring the exact pattern in my complaint. Additionally, the XXXX  Supreme Court has imposed disciplinary sanctions against principals at this firm for violations of legal ethics and client abandonment. \nI am therefore requesting that the Consumer Financial Protection Bureau initiate a formal investigation into the following : XXXX. How someone associated with this email XXXX was inserted into my private Bank of America profile without my knowledge or consent. \nXXXX. Whether XXXX XXXX or any of its agents engaged in data manipulation, identity fraud, or unauthorized surveillance of consumer accounts. \nXXXX. Whether any breach or internal negligence at Bank of America enabled this infiltration. \nXXXX. Whether this incident correlates with other complaints submitted to federal or state agencies concerning XXXX XXXX conduct and access to consumer financial data. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-07-17T01:39:38.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"90027","tags":null,"has_narrative":true,"complaint_id":"14702665","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-07-17T00:53:31.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["This incident reveals <em>serious</em> systemic failures in their data security protocols, customer account protections, and internal monitoring systems. \n<em>LEGAL</em> <em>VIOLATIONS</em> : XXXX  XXXX XXXX conduct constitutes multiple statutory <em>violations</em> including but not limited to : XXXX. <em>Violation</em> of the XXXX XXXX XXXX XXXX ( 12 U.S.C. 5531, 5536 ) for unfair, deceptive, or abusive acts or practices allowing unauthorized access. \nXXXX. <em>Violation</em> of the XXXX XXXX ( XXXX XXXX."]},"sort":[11.095285,"14702665"]},{"_index":"complaint-public-v1","_id":"12919797","_score":10.948244,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : I am writing to formally address a serious and unlawful breach of privacy and fiduciary responsibility concerning the unauthorized release and mishandling of my personal, private, and protected information by your organization. This incident, whether by negligence or willful disregard, constitutes multiple violations of federal and state consumer protection laws. \nThe conduct displayed reflects a failure to comply with statutes governing consumer data, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), the Truth in Lending Act ( TILA ), the Uniform Commercial Code ( UCC ), and the Michigan Identity Theft Protection Act. \nYour agency is one of several currently under scrutiny for this type of misconduct. The others include XXXX, XXXX, XXXX, XXXX, and XXXX. Each of these agencies is held to high legal and ethical standards for consumer data handling. Any breach is not only a violation of individual rightsit also erodes public trust and invites legal consequence. \nApplicable Federal Penalties & Remedies for Violations 1. FCRA Violations ( 15 U.S.C. 1681n & 1681o ) : Willful violations may result in statutory damages of {$100.00} to {$1000.00} per violation, actual damages, and punitive damages. \n\nNegligent violations may result in actual damages and attorneys fees. \n2. Gramm-Leach-Bliley Act ( GLBA ) : Civil penalties : Up to {$100000.00} per violation for institutions. \n\nPersonal liability : Up to {$10000.00} per violation for directors and officers. \n\nCriminal penalties : Up to 5 years imprisonment, increased to 10 years for patterns or conspiracies. \n3. FTC Act Violations ( Deceptive Practices ) : Civil penalties of up to {$50000.00} per violation per day under FTC enforcement authority. \n4. Consumer Financial Protection Bureau ( CFPB ) : 5. \nTiered monetary penalties : Tier 1 : $ XXXX for basic violations. \nTier 2 : $ XXXX for reckless conduct. \nTier 3 : $ XXXX for knowing violations. \nBreach of Contract & Privacy Policies : Remedies include compensatory damages, consequential damages, punitive damages, and injunctive relief to prevent future harm. \nImmediate Demands & Expectations Cease and Desist : Immediately halt any further dissemination of my personal information. \nFull Investigation : Conduct an internal audit to identify all parties who accessed or distributed my information unlawfully. \nRemediation : Provide written assurance of corrective action and steps taken to comply with federal law. \nResponse Deadline : A formal, comprehensive response is required within 10 business days of the date of this notice. \nFailure to address these matters promptly will compel me to initiate legal action and report your agency to appropriate authorities, including the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Michigan Attorney General, and any other regulatory body with oversight of your operations. \nI reserve all rights, remedies, and actions permitted under law. \n1. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681n & 1681o ) Willful Noncompliance ( Section 1681n ) : Statutory damages : {$100.00} to {$1000.00} per violation. \nActual damages : No cap if the harm can be proven ( financial loss, mental/emotional distress ). \nPunitive damages : Unlimited, based on the severity of the conduct and court discretion. \nAttorneys fees and court costs : Recoverable if the consumer prevails. \nNegligent Noncompliance ( Section 1681o ) : Actual damages : Required to be proven. \nAttorneys fees : Also recoverable. \n2. Gramm-Leach-Bliley Act ( GLBA ) ( Protects consumer financial information ) Civil Penalties : Up to {$100000.00} per violation for the institution. \nOfficers and directors can be held personally liable up to {$10000.00} per violation. \nCriminal penalties : Individuals may face up to 5 years imprisonment and/or fines. \n\nIf the offense involves conspiracy or a pattern, penalties increase to 10 years. \n3. Federal Trade Commission Act ( FTC Act ) Unfair or deceptive acts in commerce Civil Penalties : Up to {$50000.00} per violation per day ( as of 2024 adjustments ). \n\nUsed when agencies engage in deceptive or misleading practices, including failure to safeguard information. \n4. Consumer Financial Protection Bureau ( CFPB ) Authority Can impose civil monetary penalties based on the violations severity : Tier 1 : Up to {$5000.00} per day ( basic violations ). \n\nTier 2 : Up to {$25000.00} per day ( reckless violations ). \n\nTier 3 : Up to {$1.00} XXXX per day ( knowing violations ). \n5. Breach of Contract ( Civil Litigation ) If theres a contractual agreement ( e.g., privacy policies, terms of service ), and its breached : Compensatory damages : Actual losses. \nConsequential damages : Lost opportunity, reputation damage, etc. \nPunitive damages : If fraud or malice is involved. \nEquitable relief : Such as rescission or injunction. \nApplicable Federal Penalties & Remedies for Violations 1. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681n & 1681o Statutory damages : {$100.00} {$1000.00} per violation. \nActual damages : Compensation for documented financial, reputational, and emotional harm. \nPunitive damages : Unlimited potential based on the severity and willfulness of the violation. \n\nAttorneys fees and costs : Recoverable upon prevailing in civil court. \n2. Gramm-Leach-Bliley Act ( GLBA ) Institutional fines : Up to {$100000.00} per violation. \n\nExecutive personal liability : Up to {$10000.00} per violation. \n\nCriminal penalties : Up to 510 years imprisonment for knowing or intentional violations. \n3. Federal Trade Commission Act Civil penalties of up to {$50000.00} per violation, per day, for deceptive or unfair practices. \n4. CFPB Sanctions Tiered monetary penalties ranging from $ XXXX to $ XXXX based on severity and intent. \n5. Breach of Contract / Privacy Policy Civil remedies include compensatory, consequential, and punitive damages, along with potential injunctive relief. \nRemedies Available to Me If necessary, I am fully prepared to pursue the following legal avenues to assert and defend my rights : a. Monetary Damages ( Civil Remedies ) : Actual damages for financial loss, reputational harm, and emotional distress. \n\nStatutory damages regardless of proof of harm. \n\nPunitive damages to penalize and deter willful noncompliance. \n\nRecovery of attorneys fees and court costs. \nb. Injunctive Relief : A court order may be sought to demand cessation of your unlawful data handling, correction of inaccuracies, and full compliance with reporting regulations. \nc. Regulatory Complaints : Immediate filings will be submitted to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Michigan Attorney Generals Office, each of which is empowered to impose substantial civil and criminal sanctions. \nd. Class Action Litigation : If a pattern of misconduct emerges, I will initiate or join a class action lawsuit against your agency and any co-conspirators, leveraging collective plaintiff action for maximum impact. \nOversight and Industry Competition While your agency operates among the Big 5 national credit bureaus, it is critical to note that alternative credit models and decentralized data systems are emerging to reduce dependency on traditional, opaque agencies like yours. In addition, legislative bodies and regulators are aggressively pursuing data privacy reform at both the federal and state level. \na. Government Oversight : CFPB enforces federal consumer financial protection laws. \n\nFTC penalizes deceptive or unfair practices. \n\nCongress and Michigan State Legislature are advancing privacy bills to limit credit data misuse. \nb. Alternative Credit Models : Platforms such as XXXX, XXXX, and XXXX XXXX use consumer-controlled data ( like utilities and rent ) for credit scoring. \n\nDeFi platforms provide trustless, decentralized credit systems bypassing traditional reporting models. \nc. Consumer Empowerment Tools : I am actively utilizing tools such as credit freezes, fraud alerts, ID theft monitoring, and direct disputes to protect and monitor my profile against further abuse. \nFinal Notice & Demand for Immediate Action You are hereby instructed to : XXXX. XXXX. XXXX. XXXX. Immediately cease all unauthorized sharing or processing of my private data. \nConduct a thorough internal investigation into this breach. \nProvide a written response within 10 business days, outlining the scope of the violation, remedial steps taken, and assurance of full compliance moving forward. \nPrepare to cooperate with pending investigations and potential litigation. \nFailure to comply will result in formal legal action, federal complaints, and public exposure of your agencys failure to safeguard consumer rights. \nThis letter serves as legal notice. I reserve all rights, remedies, and claims under applicable law.","date_sent_to_company":"2025-04-10T19:21:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48044","tags":null,"has_narrative":true,"complaint_id":"12919797","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-04-10T19:20:37.000Z","state":"MI","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Each of these agencies is held to high <em>legal</em> and ethical standards for consumer data handling. Any breach is not only a <em>violation</em> of individual rightsit also erodes public trust and invites <em>legal</em> consequence. \nApplicable Federal Penalties & Remedies for <em>Violations</em> 1. FCRA <em>Violations</em> ( 15 U.S.C. 1681n & 1681o ) : Willful <em>violations</em> may <em>result</em> in statutory damages of {$100.00} to {$1000.00} per <em>violation</em>, actual damages, and punitive damages."]},"sort":[10.948244,"12919797"]},{"_index":"complaint-public-v1","_id":"12919799","_score":10.938308,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : I am writing to formally address a serious and unlawful breach of privacy and fiduciary responsibility concerning the unauthorized release and mishandling of my personal, private, and protected information by your organization. This incident, whether by negligence or willful disregard, constitutes multiple violations of federal and state consumer protection laws. \nThe conduct displayed reflects a failure to comply with statutes governing consumer data, including but not limited to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX  ( XXXX  ), the Truth in Lending Act ( TILA ), the XXXX XXXX XXXX ( XXXX  ), and the Michigan Identity Theft Protection XXXX. \nYour agency is XXXX of several currently under scrutiny for this type of misconduct. The others include XXXX, XXXX, XXXX, XXXX, and XXXX. Each of these agencies is held to high legal and ethical standards for consumer data handling. Any breach is not only a violation of individual rightsit also erodes public trust and invites legal consequence. \nXXXX XXXX XXXX XXXX XXXX for Violations XXXX. FCRA Violations ( 15 U.S.C. 1681n & 1681o ) : Willful violations may result in statutory damages of {$100.00} to {$1000.00} per violation, actual damages, and punitive damages. \n\nNegligent violations may result in actual damages and attorneys fees. \nXXXX. XXXX XXXX ( XXXX ) : Civil penalties : Up to {$100000.00} per violation for institutions. \n\nPersonal liability : Up to {$10000.00} per violation for directors and officers. \n\nCriminal penalties : Up to XXXX  years imprisonment, increased to XXXX years for patterns or conspiracies. \nXXXX. FTC XXXX Violations ( Deceptive Practices ) : Civil penalties of up to {$50000.00} per violation per day under FTC enforcement authority. \nXXXX. Consumer Financial Protection Bureau ( CFPB ) : XXXX. \nTiered monetary penalties : Tier XXXX XXXX XXXX XXXXXXXX for basic violations. \nTier XXXX XXXX XXXX  XXXX for reckless conduct. \nTier XXXX XXXX XXXX XXXXXXXX for knowing violations. \nBreach of Contract & Privacy Policies : Remedies include compensatory damages, consequential damages, punitive damages, and injunctive relief to prevent future harm. \nImmediate Demands & Expectations Cease and Desist : Immediately halt any further dissemination of my personal information. \nFull Investigation : Conduct an internal audit to identify all parties who accessed or distributed my information unlawfully. \nRemediation : Provide written assurance of corrective action and steps taken to comply with federal law. \nResponse Deadline : A formal, comprehensive response is required within XXXX business days of the date of this notice. \nFailure to address these matters promptly will compel me to initiate legal action and report your agency to appropriate authorities, including the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), XXXX XXXX XXXX  and any other regulatory body with oversight of your operations. \nI reserve all rights, remedies, and actions permitted under law. \nXXXX. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681n & 1681o ) Willful Noncompliance ( Section 1681n ) : Statutory damages : {$100.00} to {$1000.00} per violation. \nActual damages : No cap if the harm can be proven ( financial loss, XXXX XXXX ). \nPunitive damages : Unlimited, based on the severity of the conduct and court discretion. \nXXXX fees and court costs : Recoverable if the consumer prevails. \nNegligent Noncompliance ( Section 1681o ) : Actual damages : Required to be proven. \nXXXX fees : Also recoverable. \nXXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Protects consumer financial information ) Civil Penalties : Up to {$100000.00} per violation for the institution. \nOfficers and directors can be held personally liable up to {$10000.00} per violation. \nCriminal penalties : Individuals may face up to XXXX  years imprisonment and/or fines. \n\nIf the offense involves conspiracy or a pattern, penalties increase to XXXX  years. \nXXXX. Federal Trade Commission XXXX ( FTC XXXX ) Unfair or deceptive acts in commerce Civil Penalties : Up to {$50000.00} per violation per day ( as of XXXX  adjustments ). \n\nUsed when agencies engage in deceptive or misleading practices, including failure to safeguard information. \nXXXX. Consumer Financial Protection Bureau ( CFPB ) XXXX Can impose civil monetary penalties based on the violations severity : Tier XXXX : Up to {$5000.00} per day ( basic violations ). \n\nTier XXXX : Up to {$25000.00} per day ( reckless violations ). \n\nTier XXXX : Up to {$1.00} XXXX per day ( knowing violations ). \nXXXX. Breach of Contract ( XXXX XXXX ) If theres a contractual agreement ( e.g., privacy policies, terms of service ), and its breached : Compensatory damages : Actual losses. \nConsequential damages : XXXX opportunity, reputation damage, etc. \nPunitive damages : If fraud or malice is involved. \nXXXX relief : Such as rescission or injunction. \nXXXX XXXX XXXX XXXX XXXX for Violations XXXX. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681n & 1681o Statutory damages : {$100.00} {$1000.00} per violation. \nActual damages : Compensation for documented financial, reputational, and emotional harm. \nPunitive damages : Unlimited potential based on the severity and willfulness of the violation. \n\nXXXX fees and costs : Recoverable upon prevailing in civil court. \nXXXX. XXXX XXXX ( XXXX ) XXXX fines : Up to {$100000.00} per violation. \n\nXXXX personal liability : Up to {$10000.00} per violation. \n\nCriminal penalties : Up to XXXX  years imprisonment for knowing or intentional violations. \nXXXX. Federal Trade Commission XXXX XXXX penalties of up to {$50000.00} per violation, per day, for deceptive or unfair practices. \nXXXX. CFPB Sanctions XXXX monetary penalties ranging from XXXX  XXXX to XXXX  XXXX based on severity and intent. \nXXXX. Breach of Contract / Privacy Policy XXXX remedies include compensatory, consequential, and punitive damages, along with potential injunctive relief. \nRemedies Available to Me If necessary, I am fully prepared to pursue the following legal avenues to assert and defend my rights : a. XXXX Damages ( Civil Remedies ) : Actual damages for financial loss, reputational harm, and emotional distress. \n\nStatutory damages regardless of proof of harm. \n\nPunitive damages to penalize and deter willful noncompliance. \n\nRecovery of attorneys fees and court costs. \nb. Injunctive Relief : A court order may be sought to demand cessation of your unlawful data handling, correction of inaccuracies, and full compliance with reporting regulations. \nXXXX XXXX Complaints : Immediate filings will be submitted to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX XXXX XXXX XXXX, each of which is empowered to impose substantial civil and criminal sanctions. \nd. Class Action Litigation : If a pattern of misconduct emerges, I will initiate or join a class action lawsuit against your agency and any co-conspirators, leveraging collective plaintiff action for maximum impact. \nXXXX and XXXX XXXX XXXX your agency operates among the Big XXXX XXXX credit bureaus, it is critical to note that alternative credit models and decentralized data systems are emerging to reduce dependency on traditional, opaque agencies like yours. In addition, legislative bodies and regulators are aggressively pursuing data privacy reform at both the federal and state level. \na. Government XXXX : CFPB enforces federal consumer financial protection laws. \n\nFTC penalizes deceptive or unfair practices. \n\nXXXX and XXXX  XXXX XXXX are advancing privacy bills to limit credit data misuse. \nb. XXXX XXXX Models : Platforms such as XXXX, XXXX, and XXXX XXXX use consumer-controlled data ( like utilities and rent ) for credit scoring. \n\nDeFi platforms provide trustless, decentralized credit systems bypassing traditional reporting models. \nXXXX XXXX Empowerment Tools : I am actively utilizing tools such as credit freezes, fraud alerts, ID theft monitoring, and direct disputes to protect and monitor my profile against further abuse. \nFinal Notice & Demand for XXXX XXXX You are hereby instructed to : XXXX. XXXX. XXXX. XXXX. Immediately cease all unauthorized sharing or processing of my private data. \nXXXX a thorough internal investigation into this breach. \nProvide a written response within XXXX business days, outlining the scope of the violation, remedial steps taken, and assurance of full compliance moving forward. \nPrepare to cooperate with pending investigations and potential litigation. \nFailure to comply will result in formal legal action, federal complaints, and public exposure of your agencys failure to safeguard consumer rights. \nThis letter serves as legal notice. I reserve all rights, remedies, and claims under applicable law.","date_sent_to_company":"2025-04-10T19:21:04.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"48044","tags":null,"has_narrative":true,"complaint_id":"12919799","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2025-04-10T19:20:37.000Z","state":"MI","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Each of these agencies is held to high <em>legal</em> and ethical standards for consumer data handling. Any breach is not only a <em>violation</em> of individual rightsit also erodes public trust and invites <em>legal</em> consequence. \nXXXX XXXX XXXX XXXX XXXX for <em>Violations</em> XXXX. FCRA <em>Violations</em> ( 15 U.S.C. 1681n & 1681o ) : Willful <em>violations</em> may <em>result</em> in statutory damages of {$100.00} to {$1000.00} per <em>violation</em>, actual damages, and punitive damages."]},"sort":[10.938308,"12919799"]},{"_index":"complaint-public-v1","_id":"15407607","_score":10.85668,"_source":{"product":"Checking or savings account","complaint_what_happened":"I. INTRODUCTION My name is XXXX XXXX, a XXXX consumer and holder of a personal checking account at JPMorgan Chase Bank, associated with a debit card ending in XXXX. Through this formal declaration, I respectfully submit a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding JPMorgan Chase Banks systemic noncompliance with federal consumer protection laws. \n\nBetween XXXX and XXXX of 2025, my account was subjected to numerous unauthorized transactions, all of which were properly reported to the bank within the legal time period established by the Electronic Fund Transfer Act ( EFTA ) and its implementing regulation, Regulation XXXX. Despite this, Chase denied all of my claims, reversed previously issued provisional credits, and refused to investigate several timely reported transactions. \n\nXXXX. BACKGROUND AND INCIDENT DETAILS Between XXXX and XX/XX/year>, I detected multiple unauthorized charges to my account, primarily involving : Purchases through Klarna ( XXXX, XXXX ) Transfers through XXXX XXXX Online Upon discovery of these transactions, I contacted Chase on XX/XX/year>, both by phone and in writing, to formally report the fraud and request reimbursement pursuant to federal law. \n\nChase assigned the following claim numbers and provisionally credited the following amounts : # XXXX for {$1200.00} ( XXXX ) # XXXX for {$2300.00} ( XXXX ) # XXXX for {$12000.00} ( XXXX ) These provisional credits were required by law under Regulation XXXX, XXXX ( c ) ( XXXX ) ( i ), as the bank did not conclude its investigation within the initial XXXX business days. However, without adequate notice or sufficient explanation, Chase later reversed all credits and denied my claims, asserting that the transactions fell outside the XXXX reporting period. This assertion is factually and legally incorrect. \n\nXXXX. LEGAL BASIS AND ARGUMENTS XXXX. Incorrect calculation of the legal reporting period According to XXXX CFR XXXX ( b ) ( XXXX ) ( i ), a consumer has 60 days from the date the financial institution transmits the statement showing the error to report the issue. Chase wrongly counted the 60 days from the transaction date rather than from the date of the account statement, rendering its argument legally invalid. All XXXX, XXXX, and XXXX transactions were fully within the XXXX window when reported. \n\n\nXXXX. Mass denial and lack of individual investigation Chase failed to investigate each transaction individually. Instead of conducting a thorough review, it issued a blanket denial, violating the banks duty under XXXX ( c ) to review each reported error on a case-by-case basis. \n\n\nXXXX. Improper reversal of provisional credits Under XXXX ( c ) ( XXXX ) ( ii ), a bank that issues a provisional credit may not reverse it unless the investigation is completed and a written explanation is provided. Chase reversed these credits without proper notice or presenting any documentation that the transactions were authorized. \n\n\nXXXX. Lack of evidence to justify denial The burden of proof lies with the bank under XXXX ( d ). Chase provided no documents, electronic records, signatures, or technical evidence indicating that I authorized any of the transactions. \n\n\nXXXX. Omission of XXXX transactions from XXXX Chase failed to include several XXXX transactions from XXXX, even though they were properly reported. This constitutes a deficient investigation and a breach of the obligation to consider all available evidence under XXXX ( c ). \n\n\n\nIV. DAMAGES AND CONSEQUENCES XXXX  actions resulted in the unjust loss of over $ XXXX sum previously recognized as legitimate for investigation purposes. This loss has caused severe financial, emotional, and legal harm, leaving me vulnerable to fraud and undermining my confidence in the integrity of the financial system. \n\nV. FORMAL REQUEST TO THE CFPB In light of the above, I respectfully request that the Consumer Financial Protection Bureau : XXXX. Require JPMorgan Chase Bank to immediately reopen all my claims. \n\n\nXXXX. Order a full and independent review of each disputed transaction between XXXX and XX/XX/year>. \n\n\nXXXX. Compel the bank to permanently restore all funds that were unjustly removed. \n\n\nXXXX. Initiate a regulatory investigation into XXXX practice of mass claim denials and failure to consider submitted evidence. \n\n\nXXXX. Impose sanctions if a pattern of XXXX noncompliance is confirmed. \n\n\n\nVI. CONCLUSION This complaint highlights a clear and serious violation of federal consumer protection laws. Chase acted negligently, evasively, and in direct contradiction of the legal framework governing electronic fund transfers. I respectfully urge the CFPB to act decisively to uphold my rights and ensure that such violations do not continue. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-20T18:56:35.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"31548","tags":null,"has_narrative":true,"complaint_id":"15407607","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-08-20T18:34:28.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Impose <em>sanctions</em> if a pattern of XXXX noncompliance is confirmed. \n\n\n\nVI. CONCLUSION This complaint highlights a clear and <em>serious</em> <em>violation</em> of federal consumer protection laws. Chase acted negligently, evasively, and in direct contradiction of the <em>legal</em> framework governing electronic fund transfers. I respectfully urge the CFPB to act decisively to uphold my rights and ensure that such <em>violations</em> do not continue. \n\nSincerely, XXXX XXXX"]},"sort":[10.85668,"15407607"]},{"_index":"complaint-public-v1","_id":"7021141","_score":10.645651,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to file a formal complaint against National Credit Adjuster, L.L.C. for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The actions of National Credit Adjuster, L.L.C. have resulted in false reporting, failure to provide required notices, and potential defamation of character, causing significant harm and distress to my financial well-being and personal reputation. \n\nOn XX/XX/, I discovered that National Credit Adjuster, L.L.C. had included inaccurate and misleading information on my credit report, specifically in reference to a debt allegedly owed to \" XXXX XXXX. '' I want to highlight that I have never been indebted to XXXX XXXX, making the inclusion of this information entirely false and unjustified. \n\nUnder Section 809 ( a ) of the FDCPA ( 15 U.S.C. 1692g ( a ) ), debt collectors are obligated to provide consumers with a written validation notice within five days of their initial communication. However, I have not received any validation notice from National Credit XXXX XXXX XXXX, as required by law. This failure to comply with the statutory obligations outlined in the FDCPA is a clear violation of my rights as a consumer. \n\nAdditionally, Section 1681s-2 ( a ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ) mandates that consumer reporting agencies investigate disputed information within a reasonable period, generally 30 days, upon receiving a direct dispute from the consumer. Despite officially disputing the inclusion of the alleged debt to XXXX XXXX, National Credit Adjuster, L.L.C. has failed to conduct a proper investigation and take appropriate action, thus further violating the FCRA. \n\nFurthermore, I believe that National Credit Adjuster, L.L.C. 's false reporting of debt to Speedy Cash that I never incurred has defamed my character. This false and damaging information not only harms my reputation but also has the potential to adversely impact my creditworthiness and financial standing. Such defamation of character is both morally unacceptable and exposes National Credit Adjuster, L.L.C. to legal liability. \n\nIn light of these violations, I kindly request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and hold National Credit Adjuster, L.L.C. accountable for its wrongful actions. I urge the CFPB to take the following steps : Conduct a thorough investigation into the actions of National Credit Adjuster , L.L.C., specifically focusing on the violations of the FDCPA and the FCRA outlined in this complaint. \n\nEnforce the appropriate penalties and sanctions against National Credit Adjuster, L.L.C. for its violations, as deemed necessary by the CFPB. \n\nFacilitate the removal of the inaccurate and misleading information concerning the alleged debt to XXXX XXXX from my credit report, as mandated by the FCRA. \n\nProvide guidance and assistance to ensure that National Credit Adjuster, L.L.C. adheres to the required consumer protection laws in the future, preventing similar violations and protecting the rights of other consumers. \n\nI have enclosed copies of relevant documentation, including evidence of the false reporting and any correspondence with National Credit Adjuster, L.L.C. that supports my complaint. I am willing to provide any further information or assistance necessary for a thorough investigation into this matter. \n\nI trust that the Consumer Financial Protection Bureau will give due consideration to this complaint and take appropriate actions to rectify the violations committed by National Credit Adjuster, L.L.C. I look forward to a prompt resolution of this matter. \n\nThank you for your attention to this serious issue. \n\nYours sincerely, XXXX XXXX","date_sent_to_company":"2023-06-23T19:58:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Payday loan debt","zip_code":"77007","tags":null,"has_narrative":true,"complaint_id":"7021141","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Adjusters, LLC","date_received":"2023-05-24T05:48:40.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I urge the CFPB to take the following steps : Conduct a thorough investigation into the actions of National Credit Adjuster , L.L.C., specifically focusing on the <em>violations</em> of the FDCPA and the FCRA outlined in this complaint. \n\nEnforce the appropriate penalties and <em>sanctions</em> against National Credit Adjuster, L.L.C. for its <em>violations</em>, as deemed necessary by the CFPB."]},"sort":[10.645651,"7021141"]},{"_index":"complaint-public-v1","_id":"3815308","_score":10.506527,"_source":{"product":"Checking or savings account","complaint_what_happened":"Before making my complaint ; I apologize for any grammar or writing errors, as the only language I speak is XXXX. I am a lawyer in XXXX ( where I was born and currently reside ) since XXXX ; and throughout my career I have practiced my profession in the private sector ; that is, I have never had any relationship with the Governments of XXXX ; be these, constitutional, unconstitutional, dictatorships, democratic, de facto or fictitious. Since the early XXXX ; I started saving part of my income in hard currency ( US dollars ) ; and for this reason, I opened an Account ( in the State of Florida ) in the XXXX XXXX XXXX, which later became the XXXX ; the latter financial institution, which was forcibly acquired by Wells Fargo given the XXXX Financial Crisis. I currently have a XXXX Account at Wells Fargo identified with Number ******* XXXX. It is the case that in XX/XX/XXXX ; Wells Fargo deprived me of the use of the XXXX XXXX, alleging Inconsistencies in its Use ; which seemed strange to me ; well, I was NEVER WARNED OF ANY ANOMALY IN THE USE OF THIS APPLICATION ; and also, I have always used the Application to transfer money to people I trust ; making special mention of the circumstance, that this Application can be used even to pay in Small Businesses ( this is verified with the Annexes XXXX and XXXX that I attach to this complaint ). But the fact is ( the alleged \" inconsistencies of use '' were a misused euphemism ), that Wells Fargo actually eliminated the possibility of using the Application, BECAUSE OF THE FACT THAT AN ADDRESS IN XXXX APPEARS IN MY XXXX  ACCOUNT, such as and as published by XXXX XXXX XXXX ( it is a NOTORIOUS FACT, KNOWN BY THE ENTIRE FINANCIAL COMMUNITY OF FLORIDA and outlined in the PRESS RELEASE attached to this complaint, identified as XXXX XXXX XXXX ) ; resulting STATISTICALLY IMPOSSIBLE FOR ALL CITIZENS WITH AN ADDRESS IN XXXX AND WHO ARE CUSTOMERS OF WELLS FARGO, TO HAVE INCURRED IN \" INCONSISTENCIES '' WHEN USING THE XXXX APPLICATION ; and the real reason is : THE SANCTIONS THAT THE GOVERNMENT OF THE UNITED STATES HAS IMPOSED SINCE THE END OF XXXX TO THE REGIME OF XXXX AND TO THE NATURAL AND LEGAL PERSONS LINKED TO IT. The foregoing, I was able to corroborate by telephone with a Bank Official, who expressly told me that \" I SHOULD WAIT FOR THE TERMINATION OF THE XXXX XXXX REGIME TO RECOVER THE NORMAL USE OF MY CHECKING ACCOUNT. '' The above, in addition to being absurd, is illegal since IF I CAN NOT USE THE XXXX XXXX IN WELLS FARGO, I CAN NOT TRANSFER MONEY OR TO THIRD PARTIES IN OTHER UNITED STATES BANKS, OR TO THIRD PARTIES THAT HAVE ACCOUNTS IN THE WELLS FARGO ; that is, A FINANCIAL ENTITY SANCTIONED A CUSTOMER FOR HIS NATIONALITY AND PLACE OF RESIDENCE, BLOCKING THE USE OF HIS MONEY ; and the most serious, IN THE FULL PANDEMIC ( time in which most governments subsidize their citizens ; a financial institution capriciously deprives foreign citizens of the money they have saved with their effort and work ). Wells Fargo is required to comply with applicable laws, BUT MAY NOT MAKE A CAPRICH INTERPRETATION ( PENALTIES ARE NOT SUBJECT TO EXTENSIVE INTERPRETATIONS OR ACCOMMODATIONS ) ; NOR MAY IT BE ESTABLISHED IN A PUNISHMENT OR ISSUER OF NON-EXISTING RULES. Even WELLS FARGO WAS OMITTED Updated XXXX XXXX Warns Against Continued Corrupt Venezuelan Attempts to Steal, Hide, or Launder Money, DATED XX/XX/XXXX ; WHICH EXPRESSLY WARNS THE FINANCIAL INSTITUTIONS : However, financial institutions should be aware that normal business and other transactions involving Venezuelan nationals and businesses do not necessarily represent the same risk as transactions and relationships identified as being connected to the former Venezuelan regime ... It is noteworthy that such a practice ; in addition to being discriminatory, it violates universal Human Rights such as the Right to Property ( it is my money, which comes from my effort ), the Right not to be Discriminated against for reasons of Nationality or Race, and the Right to Health ( recently I was deprived of buying Health Insurance, given the \" partial blocking '' of my Checking Account ). For all the above, I request that WELLS FARGO ALLOW ME TO CONTINUE USING THE XXXX XXXX  ; and thus, I RESTORE THE RIGHT THAT I HAVE TO BE ABLE TO TRANSFER MONEY TO THIRD PARTIES IN OTHER BANKS IN THE UNITED STATES, AND TO THIRD PARTIES THAT HAVE ACCOUNTS AT THE WELLS FARGO. Finally, I emphasize that I am going before your competent authority, given the impossibility that I have of being able to remedy this reckless, absurd and unjust abuse in a pragmatic way ; that is, opening an Account in another Bank in the United States ; for the simple reason, that given the seriousness of the current situation caused by the Coronavirus ( whose existence Wells Fargo seems to be unaware of, when it comes to its clients residing in the \" Third World '' ) ; I can not travel from XXXX ( where I live and am currently ) abroad ( due to the ban on air flights due to COVID19 ) ; and it is impossible for a Venezuelan citizen to open accounts in US Banks via Online ( FATCA regulations ). I thank you, in advance, for your prompt attention to this letter, given the obvious damage caused by maintaining this unfair situation. I can be contacted at this email : XXXX XXXX","date_sent_to_company":"2020-08-26T19:36:25.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"3815308","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2020-08-26T19:20:11.000Z","state":null,"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":["WITH AN ADDRESS IN XXXX AND WHO ARE CUSTOMERS OF WELLS FARGO, TO HAVE INCURRED IN \" INCONSISTENCIES '' WHEN USING THE XXXX APPLICATION ; and the real reason is : THE <em>SANCTIONS</em> THAT THE GOVERNMENT OF THE UNITED STATES HAS IMPOSED SINCE THE END OF XXXX TO THE REGIME OF XXXX AND TO THE NATURAL AND <em>LEGAL</em> PERSONS LINKED TO IT."]},"sort":[10.506527,"3815308"]},{"_index":"complaint-public-v1","_id":"13125306","_score":10.464699,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a formal request for urgent regulatory intervention and enforcement against XXXX XXXX, XXXX  ( XXXX XXXX XXXX XXXX ), and the three major credit bureausExperian, XXXX, and XXXXfor ongoing, willful, and coordinated violations of the Fair Credit Reporting Act ( FCRA ) and federal consumer protection laws. \n\nDespite being fully aware that this loan account was charged off in XX/XX/XXXXXXXX  and that no payments have been made since XX/XX/XXXX, XXXX and XXXX continue to knowingly furnish materially false, misleading, and damaging information to all three credit bureaus. All three agencies continue to reflect this account as past due through XX/XX/XXXX, and validate the reporting despite overwhelming documentation showing it is factually and legally inaccurate. \n\nThese actions are not the result of clerical errorthey reflect a systemic, deliberate refusal to comply with federal law, and a blatant disregard for consumer harm. I am respectfully demanding that the CFPB and FDIC treat this as a high-priority enforcement matter, not just a dispute. \n\n\n\nSummary of Material Violations and Discrepancies Although the account was closed and charged off nearly five years ago, the tradeline continues to update monthly as if the debt is active and delinquent. This is a clear and intentional re-aging of the debt, in direct violation of FCRA 623 ( a ) ( 5 ). Additionally, the account is marked both charged off and past due, which is legally contradictory and misrepresents the actual status of the obligationanother violation under FCRA 623 ( a ) ( 1 ) ( A ).\n\nThe balance has been inflated from the original {$1600.00} loan amount to {$2500.00}, without any itemized explanation or legal basis. No post-charge-off payments have been made, yet all three bureaus falsely reflect recurring {$0.00} paid entries every month from XXXX through XXXX, fabricating a pattern of activity that does not exist and fraudulently inflating my risk profile. Even worse, this same account is reported under multiple inconsistent creditor namesincluding XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX This raises serious questions about who actually owns the debt and has the legal authority to report or collect, which is a central requirement under the FCRA and FDCPA. \n\nTo date, XXXX  has failed to provide : Proof of legal right to report or collect on the debt Chain of title or ownership Confirmation of securitization status Documentation validating the post-charge-off balance increase Despite these glaring deficiencies, Experian, XXXX, and XXXX  have each returned generic responses stating the account was verified as accurate, with no evidence of a meaningful reinvestigation. This is a willful violation of FCRA 611 ( a ) and 607 ( b ), and shows a collective breakdown in regulatory compliance that is actively harming consumers like myself. \n\n\n\nRegulatory Patterns of Abuse and Precedent This is not an isolated incident. XXXX  and XXXX  are already the subject of regulatory action : In XXXX, XXXX  paid over {$2.00} XXXX in a settlement with the District of Columbia Attorney General for issuing high-APR loans ( up to 198 % ) through rent-a-bank schemes that circumvent state lending laws. \nIn XXXXXXXX XXXX XXXX ( XXXX ), a court denied enforcement of an arbitration clause and allowed class action claims to proceed regarding deceptive lending practices. \nIn XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ), a class action alleged XXXX violated Illinois usury laws in partnership with XXXX. \n\nMajor credit bureaus have also been sanctioned : Experian was sued by the CFPB in XXXX for reintroducing deleted inaccurate data and failing to investigate consumer disputes. \nXXXX  was fined {$15.00} XXXX for mishandling disputes and knowingly allowing false data to persist. \nXXXX  paid {$23.00} XXXX in XXXX for failing to correct inaccurate reporting and for illegal data handling practices. \n\n\n\nCall to Action Request for Formal Enforcement I am respectfully requesting that the CFPB and FDIC treat this complaint as a matter of systemic risk, not just an isolated account issue. These entities are not only violating federal lawthey are doing so knowingly, repeatedly, and with full awareness of the harm they are causing. \n\nI request the following : 1. Immediate deletion of this tradeline from all credit bureaus. \n2. A full regulatory investigation into XXXX XXXX  and XXXX for unlawful, predatory credit furnishing and abusive practices. \n3. Enforcement action against Experian, XXXX, and XXXX  for knowingly validating demonstrably false information. \n4. Mandatory production of all documentation from XXXX and XXXX including ownership, assignment, securitization status, and balance breakdowns. \n5. Monetary relief and civil penalties to be imposed for the harm caused, including : Denied credit opportunities Financial instability Emotional distress Time and resources wasted in dispute cycles These coordinated failures by banks, lenders, and credit bureaus are actively undermining the integrity of the credit reporting system. I am requesting that the CFPB and FDIC act nownot only to correct my account, but to send a clear message that consumers can not be ignored when the law is this clearly being broken.","date_sent_to_company":"2025-04-22T15:07:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"13125306","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-22T15:06:59.000Z","state":"MI","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":["Even worse, this same account is reported under multiple inconsistent creditor namesincluding XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX This raises <em>serious</em> questions about who actually owns the debt and has the <em>legal</em> authority to report or collect, which is a central requirement under the FCRA and FDCPA."]},"sort":[10.464699,"13125306"]},{"_index":"complaint-public-v1","_id":"13115328","_score":10.449174,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is a formal request for urgent regulatory intervention and enforcement against XXXX XXXX, XXXX  ( XXXX XXXX XXXX XXXX ), and the three major credit bureausXXXX XXXXXXXX, and TransUnionfor ongoing, willful, and coordinated violations of the Fair Credit Reporting Act ( FCRA ) and federal consumer protection laws. \n\nDespite being fully aware that this loan account was charged off in XX/XX/XXXX and that no payments have been made since XX/XX/XXXX, XXXX and XXXX continue to knowingly furnish materially false, misleading, and damaging information to all three credit bureaus. All three agencies continue to reflect this account as past due through XX/XX/XXXX, and validate the reporting despite overwhelming documentation showing it is factually and legally inaccurate. \n\nThese actions are not the result of clerical errorthey reflect a systemic, deliberate refusal to comply with federal law, and a blatant disregard for consumer harm. I am respectfully demanding that the CFPB and FDIC treat this as a high-priority enforcement matter, not just a dispute. \n\n\n\nSummary of Material Violations and Discrepancies Although the account was closed and charged off nearly five years ago, the tradeline continues to update monthly as if the debt is active and delinquent. This is a clear and intentional re-aging of the debt, in direct violation of FCRA 623 ( a ) ( 5 ). Additionally, the account is marked both charged off and past due, which is legally contradictory and misrepresents the actual status of the obligationanother violation under FCRA 623 ( a ) ( 1 ) ( A ).\n\nThe balance has been inflated from the original {$1600.00} loan amount to {$2500.00}, without any itemized explanation or legal basis. No post-charge-off payments have been made, yet all three bureaus falsely reflect recurring {$0.00} paid entries every month from XXXX through XXXX, fabricating a pattern of activity that does not exist and fraudulently inflating my risk profile. Even worse, this same account is reported under multiple inconsistent creditor namesincluding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This raises serious questions about who actually owns the debt and has the legal authority to report or collect, which is a central requirement under the FCRA and FDCPA. \n\nTo date, XXXX  has failed to provide : Proof of legal right to report or collect on the debt Chain of title or ownership Confirmation of securitization status Documentation validating the post-charge-off balance increase Despite these glaring deficiencies, XXXX, XXXX, and TransUnion have each returned generic responses stating the account was verified as accurate, with no evidence of a meaningful reinvestigation. This is a willful violation of FCRA 611 ( a ) and 607 ( b ), and shows a collective breakdown in regulatory compliance that is actively harming consumers like myself. \n\n\n\nRegulatory Patterns of Abuse and Precedent This is not an isolated incident. XXXX  and XXXX  are already the subject of regulatory action : In XXXX, XXXX  paid over {$2.00} XXXX in a settlement with the District of Columbia Attorney General for issuing high-APR loans ( up to 198 % ) through rent-a-bank schemes that circumvent state lending laws. \nIn XXXXXXXX XXXX XXXX ( XXXX ), a court denied enforcement of an arbitration clause and allowed class action claims to proceed regarding deceptive lending practices. \nIn XXXXXXXX XXXX XXXX XXXX ( XXXX ), a class action alleged XXXX violated Illinois usury laws in partnership with XXXX. \n\nMajor credit bureaus have also been sanctioned : XXXX  was sued by the CFPB in XXXX for reintroducing deleted inaccurate data and failing to investigate consumer disputes. \nXXXX  was fined {$15.00} XXXX for mishandling disputes and knowingly allowing  false data to persist. \nTransUnion paid {$23.00} XXXX in XXXX for failing to correct inaccurate reporting and for illegal data handling practices. \n\n\n\nCall to Action Request for Formal Enforcement I am respectfully requesting that the CFPB and FDIC treat this complaint as a matter of systemic risk, not just an isolated account issue. These entities are not only violating federal lawthey are doing so knowingly, repeatedly, and with full awareness of the harm they are causing. \n\nI request the following : 1. Immediate deletion of this tradeline from all credit bureaus. \n2. A full regulatory investigation into XXXX XXXX  and XXXX for unlawful, predatory credit furnishing and abusive practices. \n3. Enforcement action against XXXX, XXXX, and TransUnion for knowingly validating demonstrably false information. \n4. Mandatory production of all documentation from XXXX and XXXX including ownership, assignment, securitization status, and balance breakdowns. \n5. Monetary relief and civil penalties to be imposed for the harm caused, including : Denied credit opportunities Financial instability Emotional distress Time and resources wasted in dispute cycles These coordinated failures by banks, lenders, and credit bureaus are actively undermining the integrity of the credit reporting system. I am requesting that the CFPB and FDIC act nownot only to correct my account, but to send a clear message that consumers can not be ignored when the law is this clearly being broken.","date_sent_to_company":"2025-04-22T15:07:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"13115328","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-04-22T15:06:59.000Z","state":"MI","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":["Even worse, this same account is reported under multiple inconsistent creditor namesincluding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This raises <em>serious</em> questions about who actually owns the debt and has the <em>legal</em> authority to report or collect, which is a central requirement under the FCRA and FDCPA."]},"sort":[10.449174,"13115328"]},{"_index":"complaint-public-v1","_id":"7375160","_score":10.350984,"_source":{"product":"Mortgage","complaint_what_happened":"The case at hand presents a distressing pattern of misconduct and deception by the bank, as it undertook a fraudulent foreclosure against the Florida estate representatives for a New York property, disregarding my rightful ownership and succession as the individual owner. This ordeal began when I faced financial hardships due to hurricane damage, and despite my efforts to seek the bank 's endorsement of the insurance damage claim funds to carry out repairs, the bank refused and questioned my rights to both the property and the claim funds. This decision left the property repairs and ownership in limbo, causing confusion and uncertainty. \n\nThroughout the proceedings, the bank has consistently violated my rights, misled the court, and made deceptive claims to obstruct fair negotiations. Despite diligently executing valid assumption documents upon the bank 's request, they failed to process the assumption promptly and proceeded with foreclosure against the Florida estate representatives. This dual tracking not only misled and confused all parties involved but also violated fair negotiation practices, RESPA, and other applicable laws. \n\nTheir actions go beyond mere negligence ; they reveal a calculated attempt to deprive me of my property rights and manipulate the legal system to achieve their goals unlawfully. This has undermined the integrity of the foreclosure process and cast serious doubts on the legitimacy of the bank 's foreclosure proceedings. \n\nGiven the gravity of the situation and the bank 's repeated violations, it is crucial for me to seek immediate legal counsel to protect my rights and assert my claim as the rightful owner. I may be entitled to remedies such as voiding the fraudulent foreclosure judgment, damages for violations of my rights, and appropriate sanctions against the bank for their misconduct. \n\nFurthermore, I must emphasize that I diligently notified the bank immediately after the passing of XXXX, providing them with the Will that clearly identifies me as the devisee and successor in interest, along with a formal request to take over the loan. However, despite my proactive efforts to comply with their procedures, the bank inexplicably failed to process the necessary successor-in-interest documents, leaving the property 's ownership and loan status in a state of uncertainty. \n\nAdditionally, when the hurricane damage occurred, it introduced a new issue that further complicated matters, putting the property in limbo and exacerbating the existing complexities. At this point, it became evident that the bank 's violations began long before the foreclosure proceedings. Their reluctance to recognize me as the rightful successor in interest and their refusal to endorse the insurance damage claim funds caused unnecessary hardships, even though I continued to make payments despite their inaction. \n\nThe situation raises serious concerns about the bank 's compliance with RESPA laws concerning successors in interest. RESPA explicitly requires servicers to respond promptly and appropriately to borrowers ' requests, including those related to successor-in-interest documentation. Yet, the bank 's failure to act expeditiously upon receiving my notification and valid documents only compounded their misconduct. \n\nGiven the bank 's long-standing violations, it is evident that my rights were significantly impacted long before the foreclosure proceedings. Their misleading actions, fraudulent foreclosure, and attempt to deprive me of my property rights are reprehensible and warrant immediate legal action to protect my interests. \n\nIn conclusion, this case reveals a distressing pattern of misconduct by the bank, starting from the moment I notified them of my rightful succession and continuing throughout the foreclosure proceedings. Their repeated violations of RESPA laws concerning successors in interest and their refusal to recognize me as the rightful owner of the property are deeply troubling. My diligent efforts to comply with their procedures were met with negligence and deception, jeopardizing my property rights. \n\nIn light of the egregious conduct displayed by the bank, I seek your support and intervention to bring attention to this injustice. How could such blatant violations of my rights and misleading actions be allowed to persist? As I fight not only for my homestead but also for my rights, I urge you to address this matter urgently and take the necessary steps to ensure justice prevails. \n\nAttachment : List of Specific Concerns for Investigation 1 ) Clarify the court 's acknowledgment of XXXX XXXX 's undisputed ownership of the property and the subsequent denial of the motion to include XXXX XXXX as a necessary party in the foreclosure proceedings. \n\n2 ) Investigate the contradictions surrounding the court 's decision to pursue legal action against estate representatives who lack ownership rights while recognizing XXXX XXXX 's ownership of the property. \n\n3 ) Examine the implications of allowing foreclosure proceedings to continue under a judgment based on an estate that lacks ownership and authority over XXXX XXXX 's property. \n\n4 ) Assess the potential violation of federal law, specifically the Garn-St. Germain Act, in light of the bank 's refusal to acknowledge certain assumptions by successors in interest.\n\n5 ) Investigate the practice of dual tracking, wherein foreclosure proceedings and loan modification discussions occur simultaneously, potentially violating fair negotiation practices mandated by the Real Estate Settlement Procedures Act ( RESPA ).\n\n6 ) Examine the issue of subject matter jurisdiction, particularly the court 's jurisdiction over the Florida estate and the representatives ' authority outside the Florida jurisdiction concerning the New York property. \n\n7 ) Investigate the bank 's willful neglect to join XXXX XXXX as a necessary party in the proceedings despite being aware of XXXX XXXX 's ownership interest and position as the successor in interest. \n\n8 ) Assess the limitations on a deficiency judgment, considering the absence of personal liability for XXXX XXXX, who was not named in the mortgage contract. \n\n9 ) Investigate the request to account for insurance proceeds received from XXXX XXXX after property damage, and the bank 's failure to provide an accounting of these funds.\n\n10 ) Investigate the ethical implications of all parties involved standing by while being aware of XXXX XXXX 's ownership, yet allowing the foreclosure proceedings to continue. Examine the ethicality of drafting a judgment for the Florida estate, which lacks ownership and authorization over XXXX XXXX 's New York property. \n\nThis additional point highlights the ethical concerns surrounding the case and the potential harm that could result from allowing the foreclosure proceedings to proceed without addressing XXXX XXXX 's ownership. It emphasizes the need for a thorough investigation into the ethical considerations of all parties involved in this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-08-09T23:19:10.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"119XX","tags":null,"has_narrative":true,"complaint_id":"7375160","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2023-08-09T21:39:09.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Given the gravity of the situation and the bank 's repeated <em>violations</em>, it is crucial for me to seek immediate <em>legal</em> counsel to protect my rights and assert my claim as the rightful owner. I may be entitled to remedies such as voiding the fraudulent foreclosure judgment, damages for <em>violations</em> of my rights, and appropriate <em>sanctions</em> against the bank for their misconduct."]},"sort":[10.350984,"7375160"]},{"_index":"complaint-public-v1","_id":"15780122","_score":10.338993,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX XXXX Subject : Formal Complaint & Demand for Deletion of Inaccurate and Inconsistent Reporting by XX/XX/XXXX EXETER FINANCE LLC Dear Consumer Financial Protection Bureau , I am filing this complaint againstXX/XX/XXXX and XX/XX/XXXXdue to gross inaccuracies, factual inconsistencies, and violations of federal law in their reporting of an auto loan account from EXETER FINANCE LLC XXXX which have caused me serious financial harm and emotional distress. \n\nAccount in Dispute : Creditor : EXETER FINANCE LLC Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Auto Loan Balance Reported : {$29000.00} Original Balance : {$22000.00} Status : Charged Off / Repossession Date Closed : XX/XX/XXXX Most Recent Payment Reported : {$720.00} on XX/XX/XXXX Scheduled Removal : XXXX Factual Discrepancies Between Agencies : XX/XX/XXXX: Reports this account as closed on XX/XX/XXXX, yet shows a payment received on XX/XX/XXXX this is a factual impossibility. \n\nLists the pay status as charge-off, but reflects no monthly payment terms and {$0.00} per month on an 86-month term this is incomplete and misleading.\n\nReports {$29000.00} owed on an account allegedly closed and charged off this is unverifiable and financially punitive. \n\nXX/XX/XXXX: Reports the original balance as {$22000.00}, yet shows a past-due amount of {$29000.00} a discrepancy of {$6800.00}, with no explanation or legitimate documentation of the increase. \n\nIndicates charge-off from XXXX to XX/XX/XXXX, while simultaneously showing active payments. \n\nAlso lists repossession in XX/XX/XXXX but fails to properly categorize or explain the sequence of payment activity and closure leading to materially inaccurate reporting. \n\nViolations of Federal Law Fair Credit Reporting Act ( FCRA ) : FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ) : Both agencies are failing to follow reasonable procedures to assure maximum possible accuracy of information. Contradictions in dates, statuses, balances, and payment history clearly demonstrate this violation.\n\nFCRA 611 / 15 U.S.C. 1681i : Upon my dispute, both agencies have failed to conduct a reasonable reinvestigation, and instead continue to parrot unverifiable and conflicting data from the furnisher a direct violation of the FCRA.\n\nFCRA 609 ( a ) ( 1 ) : I am legally entitled to accurate and fully documented credit data. These entries include contradictory and undocumented information which fails this requirement. \n\nFCRA 616617 : Willful or negligent noncompliance resulting in continued inaccurate reporting makes the agencies liable for actual and punitive damages.\n\nImpact on Me Emotional and Financial Harm : I have been denied for housing and auto loans due to this account. \n\nI have been offered only high-interest products, costing me hundreds of dollars in excess charges. \n\nThe stress and frustration caused by being misrepresented by XX/XX/XXXX has led to emotional harm and a material disruption in my financial planning. \n\nWhat I Am Demanding : I request the CFPB investigate and compel XX/XX/XXXXto : Immediately and permanently delete the EXETER FINANCE LLC account due to : Irreconcilable factual discrepancies Failure to ensure maximum possible accuracy Unverifiable debt increases Conflicting payment and closure dates Provide written confirmation of deletion to me within 15 days. \n\nSanction both agencies for willful and negligent violations of the FCRA, should noncompliance continue.","date_sent_to_company":"2025-09-07T22:57:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33541","tags":null,"has_narrative":true,"complaint_id":"15780122","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2025-09-07T22:53:18.000Z","state":"FL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Sanction</em> both agencies for willful and negligent <em>violations</em> of the FCRA, should noncompliance continue."]},"sort":[10.338993,"15780122"]},{"_index":"complaint-public-v1","_id":"13576699","_score":10.221117,"_source":{"product":"Debt collection","complaint_what_happened":"To Whom It May Concern : I am submitting this formal response and renewed complaint regarding CFPB Complaint No. XXXX, concerning unlawful, inaccurate, and harmful credit reporting by NCB Management Services , Inc. ( NCB ) , which has significantly damaged my financial standing and creditworthiness. \n\nDespite my previous written disputes and this open complaint, the information in question remains unlawfully on my credit report. NCB has reported an alleged account for which they are not legally licensed to collect in the XXXX of Texas, and which contains materially false informationincluding the loan start date and type of credit. \n\n\n\nI. Disputed Account Details : Furnishing Agency : NCB Management Services , Inc. \nOriginal Creditor : XXXX XXXX XXXX XXXX Account Balance Reported : {$6500.00} Date Opened ( Reported ) : XX/XX/year> Account Type : Automobile Loan This item must be deleted immediately due to multiple violations of federal and state law, and because of the verifiable absence of proper licensing for consumer debt collection in XXXX. \n\n\n\nII. NCB Is Not Licensed to Collect This Debt in XXXX  According to my independent verification via the XXXX XXXX XXXX XXXX, NCB Management Services , Inc. does not possess the proper license or authority to collect non-mortgage consumer debts in Texas. The company is only registered under XXXX XXXX  XXXX XXXX, which is categorically unrelated to automobile or personal consumer debt collection. \n\nUnder XXXX XXXX XXXX XXXX, any third-party debt collector must be properly licensed and registered with the state to legally collect debts. Violation of this requirement constitutes unauthorized collection activity, making the reported debt null, void, and uncollectible under Texas law.\n\nIII. FCRA Violations & Reinvestigation Failures The continued presence of this entry on my credit reportdespite multiple disputes and no valid verificationconstitutes willful and negligent violations of the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681i ( a ) : Failure to properly reinvestigate the disputed information within the 30-day period.\n\n15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible ac\ncuracy of information reported.\n\n15 U.S.C. 1681s-2 ( b ) : Failure by the data furnisher to conduct a lawful and reasonable investigation after notification. \n\nTo date, I have not received sufficient proof that the debt is valid, collectible, or legally enforceable. Therefore, continued reporting constitutes actionable noncompliance. \n\n\n\nIV. Legal Damages and Request for Compensation As a direct result of NCBs illegal furnishing of this information : My credit score has significantly decreased ; I have been denied access to financial products and credit-based opportunities ; I have experienced emotional distress and financial harm due to an inaccurate and unverified account. \n\nThe balance of {$6500.00}, which NCB unlawfully reported to the credit bureaus, has contributed to substantial damage. I hereby demand that I be compensated in full for this amount as monetary damages, since this amount has caused a quantifiable decrease in my creditworthiness, impacted my financial life, and was based on a false and unlawful claim. This demand is supported under : 15 U.S.C. 1681n ( Civil liability for willful noncompliance ) ; 15 U.S.C. 1681o ( Civil liability for negligent noncompliance ) ; and XXXX XXXX XXXX XXXX ( a ) ( 2 ) ( Remedies for actual damages, costs, and attorneys fees for violation of Chapter 392 ).\n\nV. Requested Action I formally demand the following actions : 1. Immediate deletion of the account referenced above from all consumer reporting agencies ; 2. Written confirmation of the deletion, along with an updated credit report ; 3. A complete description of the investigation process used to determine the continued reporting of the item, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ; 4. Disclosure of NCBs license or authorization to collect debts in the State of XXXX such documentation exists ; 5. Compensation in the amount of $ XXXX to the falsely reported debtdue to the resulting damage to my credit profile and denial of fair access to financial services. \n\n\n\nVI. Supporting Exhibits The following documents are attached for your formal review : Exhibit A : Screenshot from the NMLS Consumer Access database, confirming NCB lacks valid licensing for debt collection in XXXX ; Exhibit B : Prior disputes submitted to the credit bureaus and CFPB ; Exhibit C : Current credit report showing continued reporting of the disputed item ; Exhibit D : List of incorrect personal information ( names and addresses ) also improperly reported and disputed.\n\nVII. Final Notice Before Further Action If this issue is not resolved and the item is not removed within seven ( 7 ) business days, I will proceed with the following actions : File a formal complaint with the XXXX Attorney General Consumer Protection Division ; Notify the Federal Trade Commission of illegal debt collection activity ; Initiate a civil claim in state and/or federal court for actual, statutory, and punitive damages ; Request sanctions and regulatory review against NCB and any credit reporting agency that continues to furnish or retain this item. \n\nThank you for your immediate attention to this serious legal matter. I trust that the CFPB will take appropriate and timely enforcement action in light of these facts.","date_sent_to_company":"2025-05-18T20:17:57.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"75219","tags":null,"has_narrative":true,"complaint_id":"13576699","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NCB Management Services Inc.","date_received":"2025-05-18T19:50:21.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["Thank you for your immediate attention to this <em>serious</em> <em>legal</em> matter. I trust that the CFPB will take appropriate and timely enforcement action in light of these facts."]},"sort":[10.221117,"13576699"]},{"_index":"complaint-public-v1","_id":"2289443","_score":9.875538,"_source":{"product":"Mortgage","complaint_what_happened":"I have determined there was apparent fraud involved with respect to several parties involved in invalid transfers/assignments of the Deed of Trust and Note relating to the above-mentioned property address. The invalid and fraudulent conveyance of rights, title and interest created lack of authority to transfer, substitute, or convey rights, title and interest of my property rights in relation to Deed of Trust, dated XX/XX/XXXX and recorded XX/XX/XXXX. \nThe Servicere keep sending me all mail not related to the complaint at all. \nAs an additional matter, we have performed a review of the current loan activities with your company. Needless to say, we are alarmed with the manner in which we have been treated by your company 's representatives. Your representatives have made blatant misrepresentations causing us serious damages, including the potential foreclosure of our home. The above-mentioned violations subject you to sanctions and nullification of the loan and the substantial nature of this claim may exceed the policy limits on any and all insurance policies issued that cover these types of risks. Following is a summary of our Procedural findings : There are many legal issues here ; LACK OF CLARITY AS TO REAL PARTY IN INTEREST WITH STANDING TO FORECLOSE The Deed Must Follow the Note : Physical Separation of the Promissory Note From the Deed of Trust, Necessarily Results in the Permanent Severance of the Relationship between the XXXX Instruments, and Any Previous Ability of XXXX to Produce Any Causal Effect upon the Other is Extinguished We believe and allege in good faith the all foreclosure actions being presently carried out against us and our property is invalid. Assignment of Deed of Trust, dated XX/XX/XXXX and recorded XX/XX/XXXX ( Exhibits \" G '' ) and the Corporation Assignment of Deed of Trust/Mortgage, dated XX/XX/XXXX and recorded XX/XX/XXXX ( Exhibits \" H '' ), that purportedly assigned all beneficial interests under the original Deed of Trust ( Exhibit \" A '' ) to the purported foreclosing beneficiary, XXXX XXXX Bank XXXX XXXX, as Trustee for XXXX., was invalid by the very contractual rules that govern deposits of Deeds of Trust and Notes into this Securitization Trust. Also, this assignment would have resulted in the permanent separation of the Promissory Note from the Deed of Trust, and thereby converted the debt on the Property into unsecured debt. Chain of title in this case is unclear to say the least. The right to foreclose appears to sit with more than one party but in actuality belongs to no part involved with this case. ( 1 ) The first possibility is that only the Deed of Trust was assigned via either the Assignment of Deed of Trust, dated XX/XX/XXXX and recorded XX/XX/XXXX ( Exhibits \" G ) and not the note. The pooling and servicing agreement ( Exhibit \" P '' ), which created the trust, does not allow ANY individual transfers into the trust after XXXX days after the closing date ( Exhibit \" P '', pp. XXXX ). The closing date on this Securitization Trust was XX/XX/XXXX ( Exhibit \" G '', pp. XXXX ). This would extend the maximum allowable time for the deposit of both the Deed of Trust and the Note, together, into this trust to about XX/XX/XXXX. This Assignment of Deed of Trust, dated XX/XX/XXXX and recorded XX/XX/XXXX ( Exhibits \" G '' ) was not executed until XX/XX/XXXX respectively. These dates are four years after the outermost deadline allowed under the contractual terms of the pooling and servicing agreement. A proper, timely, and lawful transfer of this property into this securitization trust is a contractual and factual impossibility. Therefore, only the Deed of Trust was transferred and thus the Trust only has possession and ownership of the Deed of Trust, not the note. The Deed of Trust alone is a nullity and has no authority to foreclose.","date_sent_to_company":"2017-01-13T21:40:28.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional adjustable mortgage (ARM)","zip_code":"95135","tags":null,"has_narrative":true,"complaint_id":"2289443","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Quality Loan Service Corporation","date_received":"2017-01-13T21:40:26.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Your representatives have made blatant misrepresentations causing us <em>serious</em> damages, including the potential foreclosure of our home. The above-mentioned <em>violations</em> subject you to <em>sanctions</em> and nullification of the loan and the substantial nature of this claim may exceed the policy limits on any and all insurance policies issued that cover these types of risks."]},"sort":[9.875538,"2289443"]},{"_index":"complaint-public-v1","_id":"2706449","_score":9.864553,"_source":{"product":"Mortgage","complaint_what_happened":"As an additional matter, we have performed a review of the current loan activities with your company. Needless to say, we are alarmed with the manner in which we have been treated by your company 's representatives. Your representatives have made blatant misrepresentations causing us serious damages, including the potential foreclosure of our home. The above-mentioned violations subject you to sanctions and nullification of the loan and the substantial nature of this claim may exceed the policy limits on any and all insurance policies issued that cover these types of risks. Following is a summary of our Procedural findings : There are many legal issues here ; LACK OF CLARITY AS TO REAL PARTY IN INTEREST WITH STANDING TO FORECLOSE The Deed Must Follow the Note : Physical Separation of the Promissory Note From the Deed of Trust, Necessarily Results in the Permanent Severance of the Relationship between the XXXX Instruments, and Any Previous Ability of XXXX to Produce Any Causal Effect upon the Other is Extinguished We believe and allege in good faith the all foreclosure actions being presently carried out against us and our property is invalid. Assignment of Deed of Trust, dated XXXX/XXXX/XXXX and recorded XXXX/XXXX/XXXX ( Exhibits \" G '' XXXX and the XXXX XXXX XXXX Deed XXXX XXXX, dated XXXX/XXXX/XXXX and recorded XXXX/XXXX/XXXX ( Exhibits \" H '' ), that purportedly assigned all beneficial interests under the original Deed of Trust ( Exhibit \" A '' ) to the purported foreclosing beneficiary, the XXXX XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX Mortgage Pass-Through Certificates Series XXXX, was invalid by the very contractual rules that govern deposits of XXXX XXXX XXXX and Notes into this Securitization Trust. Also, this assignment would have resulted in the permanent separation of the Promissory Note from the Deed of Trust, and thereby converted the debt on the XXXX into unsecured debt. Chain of title in this case is unclear to say the least. The right to foreclose appears to sit with more than XXXX party but in actuality belongs to no part involved with this case. ( XXXX ) The first possibility is that only the Deed of Trust was assigned via either the Assignment of Deed of Trust, dated XXXX/XXXX/XXXX and recorded XXXX/XXXX/XXXX ( Exhibits \" G '' ) or the XXXX XXXX XXXX Deed XXXX XXXX, dated XXXX/XXXX/XXXX and recorded XXXX/XXXX/XXXX ( Exhibits \" H '' ), and not the note. The pooling and servicing agreement ( Exhibit \" P '' ), which created the trust, does not allow ANY individual transfers into the trust after 720 days after the closing date ( Exhibit \" P '', pp. XXXX ). The closing date on this XXXX XXXX was XXXX/XXXX/XXXX ( Exhibit \" G '', pp. XXXX ). This would extend the maximum allowable time for the deposit of both the Deed of Trust and the Note, together, into this trust to about XXXX/XXXX/XXXX. This Assignment of Deed of Trust, dated XXXX/XXXX/XXXX and recorded XXXX/XXXX/XXXX ( Exhibits \" G '' XXXX and the XXXX XXXX XXXX Deed XXXX XXXX, dated XXXX/XXXX/XXXX and recorded XXXX/XXXX/XXXX ( Exhibits \" H '' ) were not executed until XXXX and XXXX respectively. These dates are XXXX and XXXX years after the outermost deadline allowed under the contractual terms of the pooling and servicing agreement. A proper, timely, and lawful transfer of this property into this securitization trust is a contractual and factual impossibility. Therefore, only the Deed of Trust was transferred and thus the XXXX only has possession and ownership of the Deed of Trust, not the note. The Deed of Trust alone is a nullity and has no authority to foreclose. In this case XXXX XXXX XXXX Mortgage XXXX XXXX, XXXX XXXX Mortgage Pass-Through Certificates Series XXXX did not possess the Deed of Trust in a timely manner it has no claim against this property.","date_sent_to_company":"2017-10-19T12:04:19.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"95148","tags":null,"has_narrative":true,"complaint_id":"2706449","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2017-10-19T11:55:51.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Your representatives have made blatant misrepresentations causing us <em>serious</em> damages, including the potential foreclosure of our home. The above-mentioned <em>violations</em> subject you to <em>sanctions</em> and nullification of the loan and the substantial nature of this claim may exceed the policy limits on any and all insurance policies issued that cover these types of risks."]},"sort":[9.864553,"2706449"]},{"_index":"complaint-public-v1","_id":"10915056","_score":9.762862,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"From the desk of XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Federal Trade Commission Office of Consumer Response and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX : Response to TSIs Letter Regarding Account No. XXXX Violation of Consumer Rights To Whom It May Concern, I am submitting this response regarding the letter I received from Transworld Systems Inc. ( TSI ) concerning a disputed debt account ( Account No. XXXX ). The information in TSIs response raises serious concerns about improper handling of my personal data and violations of my consumer rights. Below is a breakdown of the laws being violated and a formal request for further investigation and corrective action.\n\nViolations of Federal Laws 1.Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b TSI failed to demonstrate that they had a permissible purpose to access and report my personal information to credit bureaus. Sharing or using my credit information without my authorization or proper validation of the debt constitutes a violation of FCRA. \nSimilar Case : XXXX XXXXXXXX XXXX XXXXXXXX involved unauthorized use of consumer data, which resulted in financial harm and credit damage to the plaintiff.\n\n2.Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 Financial institutions are required to protect consumer privacy and disclose the sharing of information. TSIs transfer of my account information to other entities without my explicit consent is a breach of these privacy protections.\n\n3.Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e TSI made unsubstantiated claims regarding the validity of this debt and provided unclear or misleading information about its legitimacy. Under FDCPA, debt collectors must avoid deceptive practices and validate debts upon request. \nSimilar Case : XXXX XXXX XXXX XXXX XXXX, where a debt collectors failure to validate a debt led to damages for the consumer.\n\n4.Identity Theft and Assumption Deterrence Act 18 U.S.C. 1028 The information provided by TSI suggests that my personal details were potentially used or shared without my explicit consent, raising concerns of identity theft or fraud.\n\n5.Unfair and Deceptive Practices ( FTC Act ) 15 U.S.C. 45 The handling of my account and reporting to credit bureaus without proper verification constitutes an unfair practice that caused harm to my credit and financial standing.\n\nSpecific Issues with TSIs Response The letter claims that XXXX validated the debt, but no evidence of my authorization or consent for these charges was provided The monthly statement included with the response fails to prove that I am responsible for this debt, nor does it include evidence that I was informed of these charges at the time of origination.\n\nThe debt contains fees ( e.g., late fees, OCA fees ) that appear arbitrary and unverified.\n\nRequested Actions 1.Conduct a thorough investigation into TSIs handling of my personal data and their debt validation process.\n\n2.Require TSI to provide : Proof of the original agreement or contract bearing my signature or authorization. \nEvidence that I was notified of these charges prior to them being sent to collections.\n\n3.Remove any reference to this account from my credit report if validation can not be adequately provided.\n\n4.Enforce penalties or sanctions against TSI for their violations of federal consumer protection laws.\n\nImpact on Me as a Consumer TSIs actions have caused harm to my creditworthiness, reputation, and financial stability. This debt has been reported to credit bureaus, despite clear issues with its validity, and has adversely affected my ability to secure credit and financial opportunities.\n\nSupporting Documentation A copy of TSIs response letter.\n\nA copy of my credit report showing the disputed account.\n\nRelevant correspondence regarding this matter.\n\nI request prompt action to address these violations. If this issue is not resolved, I am prepared to escalate the matter by seeking legal counsel and filing additional complaints with appropriate regulatory agencies. \n\nThank you for your time and attention to this matter. I look forward to your response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-11-24T19:33:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"10915056","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2024-11-24T19:33:22.000Z","state":"AL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX <em>Violation</em> of Consumer Rights To Whom It May Concern, I am submitting this response regarding the letter I received from Transworld Systems Inc. ( TSI ) concerning a disputed debt account ( Account No. XXXX ). The information in TSIs response raises <em>serious</em> concerns about improper handling of my personal data and <em>violations</em> of my consumer rights. Below is a breakdown of the laws being <em>violated</em> and a formal request for further investigation and corrective action."]},"sort":[9.762862,"10915056"]},{"_index":"complaint-public-v1","_id":"10915055","_score":9.752859,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"From the desk of XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Federal Trade Commission XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX : Response to XXXX Letter Regarding Account No. XXXX Violation of Consumer Rights To Whom It May Concern, I am submitting this response regarding the letter I received from XXXX XXXX XXXX ( XXXX ) concerning a disputed debt account ( Account No. XXXX ). The information in XXXX  response raises serious concerns about improper handling of my personal data and violations of my consumer rights. Below is a breakdown of the laws being violated and a formal request for further investigation and corrective action.\n\nViolations of Federal Laws 1.Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b TSI failed to demonstrate that they had a permissible purpose to access and report my personal information to credit bureaus. Sharing or using my credit information without my authorization or proper validation of the debt constitutes a violation of FCRA. \nSimilar Case : XXXX XXXX XXXX XXXXXXXX involved unauthorized use of consumer data, which resulted in financial harm and credit damage to the plaintiff.\n\n2.Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 Financial institutions are required to protect consumer privacy and disclose the sharing of information. XXXX  transfer of my account information to other entities without my explicit consent is a breach of these privacy protections.\n\n3.Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e XXXX made unsubstantiated claims regarding the validity of this debt and provided unclear or misleading information about its legitimacy. Under FDCPA, debt collectors must avoid deceptive practices and validate debts upon request. \nSimilar Case : XXXX XXXX XXXX XXXX XXXX, where a debt collectors failure to validate a debt led to damages for the consumer.\n\n4.Identity Theft and Assumption Deterrence Act 18 U.S.C. 1028 The information provided by XXXX  suggests that my personal details were potentially used or shared without my explicit consent, raising concerns of identity theft or fraud.\n\n5.Unfair and Deceptive Practices ( FTC Act ) 15 U.S.C. 45 The handling of my account and reporting to credit bureaus without proper verification constitutes an unfair practice that caused harm to my credit and financial standing.\n\nSpecific Issues with XXXX Response The letter claims that XXXX validated the debt, but no evidence of my authorization or consent for these charges was provided The monthly statement included with the response fails to prove that I am responsible for this debt, nor does it include evidence that I was informed of these charges at the time of origination.\n\nThe debt contains fees ( e.g., late fees, OCA fees ) that appear arbitrary and unverified.\n\nRequested Actions 1.Conduct a thorough investigation into XXXX  handling of my personal data and their debt validation process. \n\nXXXXRequire XXXX to provide : Proof of the original agreement or contract bearing my signature or authorization. \nEvidence that I was notified of these charges prior to them being sent to collections.\n\n3.Remove any reference to this account from my credit report if validation can not be adequately provided.\n\n4.Enforce penalties or sanctions against XXXX for their violations of federal consumer protection laws. \n\nImpact on Me as a Consumer XXXX  actions have caused harm to my creditworthiness, reputation, and financial stability. This debt has been reported to credit bureaus, despite clear issues with its validity, and has adversely affected my ability to secure credit and financial opportunities. \n\nSupporting Documentation A copy of XXXX  response letter. \nA copy of my credit report showing the disputed account. \nRelevant correspondence regarding this matter. \n\nI request prompt action to address these violations. If this issue is not resolved, I am prepared to escalate the matter by seeking legal counsel and filing additional complaints with appropriate regulatory agencies. \n\nThank you for your time and attention to this matter. I look forward to your response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-11-24T19:33:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"10915055","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-24T19:33:22.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX <em>Violation</em> of Consumer Rights To Whom It May Concern, I am submitting this response regarding the letter I received from XXXX XXXX XXXX ( XXXX ) concerning a disputed debt account ( Account No. XXXX ). The information in XXXX  response raises <em>serious</em> concerns about improper handling of my personal data and <em>violations</em> of my consumer rights. Below is a breakdown of the laws being <em>violated</em> and a formal request for further investigation and corrective action."]},"sort":[9.752859,"10915055"]},{"_index":"complaint-public-v1","_id":"10913650","_score":9.747948,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"From the desk of XXXX XXXX XXXX XXXX XX/XX/24 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Federal Trade Commission XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Response to XXXXs Letter Regarding Account No. XXXX Violation of Consumer Rights To Whom It May Concern, I am submitting this response regarding the letter I received from XXXX XXXX XXXX ( XXXX ) concerning a disputed debt account ( Account No. XXXX ). The information in XXXXs response raises serious concerns about improper handling of my personal data and violations of my consumer rights. Below is a breakdown of the laws being violated and a formal request for further investigation and corrective action. \n\nViolations of Federal Laws 1.Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b XXXX failed to demonstrate that they had a permissible purpose to access and report my personal information to credit bureaus. Sharing or using my credit information without my authorization or proper validation of the debt constitutes a violation of FCRA. \nSimilar Case : XXXX XXXX v. XXXX involved unauthorized use of consumer data, which resulted in financial harm and credit damage to the plaintiff. \n\n2.Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 Financial institutions are required to protect consumer privacy and disclose the sharing of information. TSIs transfer of my account information to other entities without my explicit consent is a breach of these privacy protections. \n\n3.Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e TSI made unsubstantiated claims regarding the validity of this debt and provided unclear or misleading information about its legitimacy. Under FDCPA, debt collectors must avoid deceptive practices and validate debts upon request. \nSimilar Case : XXXX XXXX XXXX XXXX XXXX, where a debt collectors failure to validate a debt led to damages for the consumer. \n\n4.Identity Theft and Assumption Deterrence Act 18 U.S.C. 1028 The information provided by XXXX suggests that my personal details were potentially used or shared without my explicit consent, raising concerns of identity theft or fraud. \n\n5.Unfair and Deceptive Practices ( FTC Act ) 15 U.S.C. 45 The handling of my account and reporting to credit bureaus without proper verification constitutes an unfair practice that caused harm to my credit and financial standing. \n\nSpecific Issues with XXXX Response The letter claims that XXXX validated the debt, but no evidence of my authorization or consent for these charges was provided The monthly statement included with the response fails to prove that I am responsible for this debt, nor does it include evidence that I was informed of these charges at the time of origination. \n\nThe debt contains fees ( e.g., late fees, XXXX fees ) that appear arbitrary and unverified. \n\nRequested Actions 1.Conduct a thorough investigation into XXXX handling of my personal data and their debt validation process. \n\n2.Require XXXX to provide : Proof of the original agreement or contract bearing my signature or authorization. \nEvidence that I was notified of these charges prior to them being sent to collections. \n\n3.Remove any reference to this account from my credit report if validation can not be adequately provided. \n\n4.Enforce penalties or sanctions against XXXX for their violations of federal consumer protection laws. \n\nImpact on Me as a Consumer XXXXs actions have caused harm to my creditworthiness, reputation, and financial stability. This debt has been reported to credit bureaus, despite clear issues with its validity, and has adversely affected my ability to secure credit and financial opportunities. \n\nSupporting Documentation A copy of XXXX response letter. \nA copy of my credit report showing the disputed account. \nRelevant correspondence regarding this matter. \n\nI request prompt action to address these violations. If this issue is not resolved, I am prepared to escalate the matter by seeking legal counsel and filing additional complaints with appropriate regulatory agencies. \n\nThank you for your time and attention to this matter. I look forward to your response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-11-24T19:52:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"10913650","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-24T19:36:33.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX <em>Violation</em> of Consumer Rights To Whom It May Concern, I am submitting this response regarding the letter I received from XXXX XXXX XXXX ( XXXX ) concerning a disputed debt account ( Account No. XXXX ). The information in XXXXs response raises <em>serious</em> concerns about improper handling of my personal data and <em>violations</em> of my consumer rights. 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