{"took":1271,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":24,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12006054","_score":29.206076,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There where XXXX accounts hacked XXXX was experian and XXXX was XXXX and neither of them notified me of the hack or the class action all of my information on my accounts was true and correct and they still fail to help me fix my accounts and problems I am not happy I did check my social security number and it says it was affected by both the recent hacks on both companies and they refuse to help me fix the problems on my credit statement as wrll as reimbursement for thefts and access to my identity I can not afford security on my identity to watch for future problems I may not encounter a problem until the future but they will not tell me if any of my charges are from theft there's a few I do not recall opening and I just want help.","date_sent_to_company":"2025-02-09T22:37:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"565XX","tags":null,"has_narrative":true,"complaint_id":"12006054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-09T22:26:04.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["There where XXXX <em>accounts</em> hacked XXXX was experian and XXXX was XXXX and neither of them notified me of the hack or the class action all of my information on my <em>accounts</em> was true and correct and they still fail to help me fix my <em>accounts</em> and <em>problems</em> I am not <em>happy</em> I did <em>check</em> my <em>social</em> <em>security</em> number and it <em>says</em> it was affected by both the recent hacks on both companies and they refuse to help me fix the <em>problems</em> on my credit statement as wrll as reimbursement for thefts and access to my identity"],"issue":["<em>Problem</em> with a company's investigation into an existing <em>problem</em>"]},"sort":[29.206076,"12006054"]},{"_index":"complaint-public-v1","_id":"2180148","_score":18.525393,"_source":{"product":"Bank account or service","complaint_what_happened":"Background : XX/XX/2016 I was the victim of check fraud while I was out of the country. Bank of America reimbursed me the entire amount within 48 hours and I was very happy with their promptness. I 'm a XXXX Veteran and receive both VA and XXXX so my income while not poverty level, it is fixed. \nThe problem : on XX/XX/2016 as I was checking in to a hotel XXXX miles from home I was told my visa debit card was declined. When I checked my account I was stunned to see that there was a {$600.00} debit that wiped out my account and caused an overdraft of over {$300.00}. More shocking news considering I had no idea what had happened and thought I was a victim once again of fraud. I called the bank and after an hour on hold and being rerouted three times I was informed that I had been overpaid when they reimbursed me and they took their money back. No warning, no emails, no phone call and no letter. I begged and pleaded with the fraud dept to please hold off until my social security check came so I would n't have to borrow money to cover the overdraft. I was informed that they \" had the right to take their money whenever they wanted ''. End of discussion. I had money sent to me and I covered the overdraft. Needless to say I was embarrassed, shocked and in the throes of an anxiety attack at this point. I felt victimized again. The fraud dept. at Bank of America treated me like I had done something wrong even though they never notified me of an overpayment. I do n't even know if they 're correct. I 'm assuming they are and I was n't trying to get something that was n't mine. I was shocked at their treatment of a XXXX XXXX who has been their customer for 20 years. It seems to me that none of this should have happened to begin with if the fraud dept had done their job in XX/XX/XXXX when the checks were written. I had informed the bank that I would be in XXXX for two weeks and over {$4200.00} in checks were written in the XXXX XXXX XXXX XXXX while I was gone. I 'm angry and upset over the way I was treated. They took their money as is their right and I will be taking my money out of their bank and closing my account as is my right too.","date_sent_to_company":"2016-10-26T05:23:48.000Z","issue":"Problems caused by my funds being low","sub_product":"Checking account","zip_code":"XXXXX","tags":"Older American","has_narrative":true,"complaint_id":"2180148","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2016-10-26T05:23:47.000Z","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":["I begged and pleaded with the fraud dept to please hold off until my <em>social</em> <em>security</em> <em>check</em> came so I would n't have to borrow money to cover the overdraft. I was informed that they \" had the right to take their money whenever they wanted ''. End of discussion. I had money sent to me and I covered the overdraft. Needless to <em>say</em> I was embarrassed, shocked and in the throes of an anxiety attack at this point. I felt victimized again."],"product":["Bank <em>account</em> or service"],"issue":["<em>Problems</em> caused by my funds being low"],"sub_product":["Checking <em>account</em>"]},"sort":[18.525393,"2180148"]},{"_index":"complaint-public-v1","_id":"2078966","_score":15.562394,"_source":{"product":"Other financial service","complaint_what_happened":"On XXXX XXXX I called Apple Law firm to help me with my debt problem. A friend gave me a number to call that she saw in a t.v advertisement. So I called and got set up. Signed contract and supplied creditors information, a Notary lady came to my house to sign papers. It was until recently I applied for a car loan and found out that all my credit accounts were in bad standing and on my credit report. I called the office and cancelled contract using XXXX as a way out. I sent a cancellation XXXX by fax, email and talked to office manager XXXX XXXX to cancel. I was not happy with service. I requested a refund for my money back and they customer service email account replied it can take XXXX. Copy of email in attachment ). \nWell that was 5mos ago. So I reported to XXXX XXXX, They sent XXXX correspondences within 4weeks on my behalf with no reply. Case closed. So now I am sending all my information in an attachment regarding emails, contract, and other notices. \nI even suspect Apple Law firm scammed IRS. I had my identity stolen and someone filed XXXX taxes using my social security number that I reported to Apple Law group on XXXX XXXX, XXXX XXXX XXXX XXXX who said she 'd make a note of it, Also, that creditors were still calling, harassing me at home calling multiply times a day. I have phone records to prove that.regarding my late accounts. .Apple Law group has never supplied me with any name of attorney they worked under even though it says in contract, business license, or tax id number. Only have spoken to \" XXXX '', \" XXXX '' possibly same person and Once to the Manager XXXX XXXX who I had to talk with regarding closing my account-contract. I NEVER received information on pending accounts or work done on my behalf. They received {$390.00} per month from my checking account. XXXX XXXX, I sent copy of sent XXXX statement with my address, and was told to change address with the New Address- Apple Law group XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX. Its in the contract. On XXXX XXXX, XXXX XXXX creditor called me to offer me a settlement on my account. I started to get suspicious but continued working with Apple Law. \nI 've been scammed. \n.","date_sent_to_company":"2016-09-27T17:15:22.000Z","issue":"Fraud or scam","sub_product":"Debt settlement","zip_code":"94591","tags":null,"has_narrative":true,"complaint_id":"2078966","timely":"No","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Apple Law Group, Inc.","date_received":"2016-08-24T20:16:29.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I had my identity stolen and someone filed XXXX taxes using my <em>social</em> <em>security</em> number that I reported to Apple Law group on XXXX XXXX, XXXX XXXX XXXX XXXX who said she 'd make a note of it, Also, that creditors were still calling, harassing me at home calling multiply times a day. I have phone records to prove that.regarding my late <em>accounts</em>. .Apple Law group has never supplied me with any name of attorney they worked under even though it <em>says</em> in contract, business license, or tax id number."]},"sort":[15.562394,"2078966"]},{"_index":"complaint-public-v1","_id":"2945516","_score":13.353134,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To Whom it May Concern, On XX/XX/XXXX I received notification of a hard inquiry on my credit from XXXX. I immediately called Equifax after checking XXXX  and found the date it was checked as being XX/XX/XXXX. They related I would have to talk to the creditor to have it removed because hard inquiries are not disputable. I called XXXX the next day due to time and spent many hours on the phone and talked to many departments to find out that someone tried to open and XXXX XXXX account in my name. I related that it was not me and I did not authorize it. I called back a few more times over the next few days and spent many more hours on the phone finally talking to someone who sounded like they knew something. I was directed to a webpage to fill out an XXXX ID Theft Claim Packet and fax it back. I called back the next day to confirm receipt and was told it will take 30-60 days for this to be processed and you will hear from us.\n\nI have had such bad luck and spent so much time on the phone with them that I was reluctant to call back until now. It is XX/XX/XXXX and I spent about four hours on the phone with XXXX yesterday being transferred and ignored and told XXXX only does soft inquiries. I related all I want is to talk to the credit department or someone who can help me remove the hard inquiry from my credit. After being told everything under the sun and they have to generate a ticket so someone can handle the problem, I have resorted to here. I have even contacted XXXX XXXX yesterday through there website that says to let him know of any concerns or problems you might have. I just receive this email back and what is even better is the department he has told me to call is a department I have spoken to twice in XXXX days. \n\n______________________________________________________________________ \" My name is XXXX and I am with the Office of XXXX XXXX. I will be more than happy to assist you with your concern. I sincerely apologize for the frustration you have encountered with your recent customer service experience. I truly appreciate your feedback and concern, I am proud to represent a company who takes this type of feedback seriously. I would love to be able to assist you further. However, in order to provide you with any information on the account, I will need to authenticate your account for security purposes. \n\nThank you for reaching out to us. Since you did mentioned that you have already filed an ID theft claim you will have to reach out to our Security Team. Their contact phone number is XXXX. They will be able to further research and provide you with more information about your claim. If you needed more information in regards to your account you will need to respond to this e-mail with the following information : Full name on the account The last four digits of the social security number that we have on file. \n\nThank you for being the best part of XXXX. I hope you have a wonderful rest of your day! At XXXX, we take great pride in our customer service efforts, so I can assure that this is not how we do business. \n\nAs a valued member of the XXXX family, we appreciate you taking the time to contact us. I look forward to your e-mail with the above information. \n\nI will be your point of contact as long as you respond directly to this e-mail within in my days of business. If ever you need assistance when I am not here, another agent would be more than happy to assist you as well. \n\nWe truly appreciate your business and continued relationship with XXXX. I hope you have a great evening! \n\nSincerely, XXXX XXXX. \nOffice of XXXX XXXX XXXX My Account : The hassle-free way to manage your XXXX   account anywhere, anytime? with no call needed. It's easy and fast to access and personalize your Wi-Fi name and password, check for service outages, troubleshoot or refresh your equipment, view and pay your bill, find out your tech 's arrival time, view your channel lineup and update your account whenever and wherever you want. To download the XXXX  My Account app, simply search for XXXX  My Account or click on the links below : View on the Web Download on the XXXX XXXX App Store Download on XXXX XXXX for XXXX Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number on Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Street Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Apartment : City : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX State : XXXX XXXX Contact Phone No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zip Code : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Email Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Category : Other Has Previously Contacted : True Method of Contact : phone, email, chat Response Expected : False Authenticated : False Inquiry : I have a hard credit inquiry that was fraudulently ran by XXXX and I have filled out the ID Theft Claim Packet to get it removed. This was on XX/XX/XXXX. I have a fax confirmation and was told I would here back from XXXX in regards to this matter in 30-60 days or it would be removed from my account. Nothing has happened over the past five plus months and I have spent multiple hours on the phone being transferred from department to department with no success. Your company really has no customer service or knowledge of its systems. If you would like to help before a lawsuit is placed, please call me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank you. I have ran out of options, patience, and time. '' XXXX This letter doesn't even make sense. He states he would be glad to assist, but says I need to call a different department????? \n\nLong story short, if you have a fraudulent credit check done through XXXX, they will apologize and transfer you to another department. In my case, the inquiry with a few other things makes a lot difference on my credit. I have done everything physically possible to rectify this fraudulent credit check through XXXX. I am personally at my boiling point or maybe even beyond. \n\nPlease have XXXX remove the Hard Credit Inquiry that was done on XX/XX/XXXX through Equifax. \n\nThank You!","date_sent_to_company":"2018-06-25T21:06:41.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"93455","tags":null,"has_narrative":true,"complaint_id":"2945516","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-06-25T20:08:23.000Z","state":"CA","company_public_response":null,"sub_issue":"Information is incorrect"},"highlight":{"complaint_what_happened":["After being told everything under the sun and they have to generate a ticket so someone can handle the <em>problem</em>, I have resorted to here. I have even contacted XXXX XXXX yesterday through there website that <em>says</em> to let him know of any concerns or <em>problems</em> you might have."]},"sort":[13.353134,"2945516"]},{"_index":"complaint-public-v1","_id":"6153661","_score":13.236391,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Wells Fargo has submitted correspondence to me which is nothing but lies. I resent people and businesses that is going to purposely lie about what they have done wrong. First of all, my issues with this bank did not start on XX/XX/XXXX. The fraud to my checking account never resolved, The fraud with a Lien never resolved and now The fraud with my Credit Card along with The Super Checks has all became hidden secrets, I am so tired of fighting with this corrupt bank in doing the right thing. I have contacted so many attorneys from New Jersey to Georgia to pursue a case against this bank for their fraud, negligence and lies they have been telling for too many years. This bank does what XXXX does, drag their corruption out until they have passed the timeline of the one, they have. this bank has had so much time to correct their fraud. like corruption, it goes without resolution if you give up. I have not given up from the day I discover what this bank has done to me and my money. deceived me and stole my money. This issue with my Credit Card started on XXXX XXXX. I took {$200.00} cash advance off my credit card, I redeposited {$210.00} later and the {$10.00} extra was not for a cash advance fee because I did not owe one. yet the bank took it as such. I replaced that cash back on my credit card 20 minutes later, which I had been told by many employees that if I deposit the money back within the hour it will not affect the account. it will be a wash with no fees. this is what happen. On XX/XX/XXXX, I took {$2800.00} cash to Wells Fargo to pay off my credit card. I called the automated to get the balance which it stated XXXX without realizing that the other bank had checks that need to be cover also. what I did was take the money from my checking and put it all on Wells Fargo credit card. I got back home and realized the money should have been taken to XXXX XXXX XXXX. I call the credit card department, told them what happen and to transfer the {$610.00} into my checking account. The {$200.00} that was taken was already included in the statement because the statement had closed on the XXXX of XXXX and the transaction happen on XXXX XXXX which is the part of accounting the branch manager nor XXXX XXXX seem to not understand the reason I could not get this understood. this is really bad when your top people do not understand the simple fundamental of accounting and closing of statements and dates. I was told by Wells Fargo customer service I had to wait 2 days until it can be done. I waited and the money was not there. the {$41.00} was still there, not the additional {$610.00}. I called customer service to see why my deposit was not there. I was told nothing was done and she will be more than happy to do it now, but it was going to take 7 days. I was so confused on why would cash money have a hold on it. I asked her and she said it was cash. I told her yes and it is available immediately so why did I have to wait the first time when you should be able to see the type of deposit when you are in a customer account. The transaction was still not being done. I hung up the phone and called my attorney, told her what happen, she told me to use that credit card to get my own money back. the balance was XXXX and the account could not be a cash advance because it was extra. once i took my money back from the same teller I had used throughout this entire business, when I went back to show her what Wells Fargo had done, she was either fired or quit, we will never know until we find her. The transactions on my credit card account is # XXXX XXXX XXXX XXXX every last one. I never had any transactions on card # XXXX XXXX XXXX XXXX. This is Wells Fargo new card that they generated on their own without me requesting a new card for any reason. The only fraud on my card was the fraud Wells Fargo did. I had already reported the XXXX XXXXXXXX and the {$19.00} in XXXX before all the craziness to XXXX XXXX. This bank put my money that was mine as a cash advance on their new card with all the fees. that new card should have had XXXX brought forward while waiting for the XX/XX/XXXX to XX/XX/XXXX statement to drop which would have had the new purchases on it and nothing else. instead, they brought over all their own mistakes off my original card and placed it on their new card in order to commit more crimes against me. If Wells Fargo was not so corrupt in their business, they would have not taken a customer money and made it into money that belong to them. this bank should be called XXXX bank. everything is theirs 's. forget about the fact that it did not belong to them from the first place. I was sent their Super Checks to go on vacation, consolidate bills for 2.9 % interest rate. I am thinking because I paid off the card, they were giving me an incentive. I used the 3 checks # XXXX XXXX to pay off bills and to pay the cash bail for my son. The bank cleared all 3 checks and the merchants posted the cash to my accounts and the XXXX was also available in my XXXX XXXX XXXX Account. Wells Fargo reached out to this business because they are their business customers. These entities was contacted by Wells Fargo to get the money back. you want to know what is so crazy and illegal about what they all did. they went into my accounts and took back cash money without my permission nor my knowledge. As far as the law is concern, my debts are paid in full and the XXXX XXXX XXXX need to be charge by the CFPB with theft by taking. make them replace every XXXX of my cash back into my account and to never touch the account unless both parties has been served with a court order. other than that the bank committed a crime and I want them punished. The error that XXXX XXXX made also cost me insufficient funds fees of 3 transactions. The fraud that you committed in opening up accounts in people names without their authorization does not express pride nor quality customer relations. look at what you have done to me. stealing my Social Security check money from my account, knowing full well the law states that any bank account with the direct deposit of a Social Security Check is exempt from liens. it never stated the names had to be examine. The Social Security Check was the only rule for exemption, and this is why all expenses that was occurred should be reimbursed by you. XXXX XXXX XXXX is my shero. you gave her my bank statements without my permission nor knowledge and through XXXX blessing she has become my XXXX of truth in holding you accountable for the fraud that she find in my bank statements because of her experience on the bench with the exact cases that stole my money off my Debits Cards in which you all know. then to tell the me that the merchants who has my money for no reason and who was willing to put it back into my account through Wells Fargo because that is how they got it and Wells Fargo refuse to reach out to the names and numbers of all 7 merchants to retrieve my money back. This is a true sign that Wells Fargo also has to reimburse those charges also. The problem is my expectations has never been a priority to Wells Fargo, this is why I received a nasty letter from you calling me a liar about corrections facility. If you had listen to my first and second conversation with your customer service representative after the Mediation you would have heard me say that there is only two corrections entity that I am familiar with since XXXX and that is XXXX and XXXX XXXX XXXX. these were the only two entities in XXXX XXXX had licenses to operate in the facility my son was in. all the charges of corrections on my cards, I have no idea how, why, what, when and how was these other facilities was able to get my information to do this. Wells Fargo did nothing to correct the money that has been taken away from me including the money they just placed on me as theirs 's. Any decent human being would have thought by now that the scandal this bank has experience through their corruption, they would try their best to be careful and copable for what happen in their organizations. It seem the problems has gotten worst than better. I know now it is best for me to reach out to XXXX XXXX XXXX to get the help I need to make these banks accountable for their corruption on me and probably so many other consumers. I still can not believe that Wells Fargo would submit a answer with nothing but lies, including leaving off the most pertinent information. THE ORIGINAL CREDIT CARD WHERE THE FRAUD OCCURRED. THEY CLOSED IT AND HID IT BECAUSE THOSE SUPER CHECKS WAS FROM THAT CREDIT CARD NUMBER. THEY LIED, CLOSED IT AND STATED THE ACCOUNT WAS CLOSED. NEVER HAPPEN UNTIL XXXX XXXX WHEN THEY CLOSED IT WITHOUT NOTIFICATION TO ME. FRAUD AND LIES IS RAMPANT IN THIS BANK.","date_sent_to_company":"2022-11-01T15:51:34.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"30263","tags":"Older American","has_narrative":true,"complaint_id":"6153661","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-11-01T12:59:11.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["The fraud that you committed in opening up <em>accounts</em> in people names without their authorization does not express pride nor quality customer relations. look at what you have done to me. stealing my <em>Social</em> <em>Security</em> <em>check</em> money from my <em>account</em>, knowing full well the law states that any bank <em>account</em> with the direct deposit of a <em>Social</em> <em>Security</em> <em>Check</em> is exempt from liens. it never stated the names had to be examine."],"issue":["Other features, terms, or <em>problems</em>"],"sub_issue":["Other <em>problem</em>"]},"sort":[13.236391,"6153661"]},{"_index":"complaint-public-v1","_id":"7029285","_score":12.097797,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/23, I shopped at XXXX 's Feed in XXXX XXXX, CA. At the register, I had a gift card and I asked if I could pay the balance with my personal check and the answer was yes to both. As I handed the gift to the cashier and then a check, I was given a registered receipt as to the payments and that it stated clearly the {$50.00} gift card and a check written for XXXX. Before completion of this transaction, the cashier went to the Telecheck approval device to get approval for the check. The cashier entered the full amount of my transaction of {$110.00}, and Telecheck approved my check even though the cashier entered the wrong amount. I was not aware of what she did, but my gift card of {$50.00} was pocketed by the cashier. \n\nI left for home and I was NOT aware of what had just happened to me. But when balancing my checking book a week later, that check I used at XXXX 's Feed, my checking account had a withdrawal of the full amount of my purchase of {$110.00}, when the check was clearly written for {$60.00}. Of course, I went to my bank, and a Written Statement of Unauthorized Debit ( ACH ) was completed. The amount of {$110.00} was deposited back into my account, but I KNEW I owed the balance of {$60.00} to XXXX 's Feed. I then get a collection letter from Telecheck/TRS Recovery Services for the amount of {$110.00}, as XXXX 's XXXX sent me to collections. \n\nI was extremely upset because of this, as I was cheated out of my {$50.00} gift card, I had in good faith paid the balance I owed XXXX 's Feed at the time of my transition, and now they send me to collections. What's wrong with this world today? Does no XXXX call to talk? No one works together to resolve a problem. I drove down to XXXX 's Feed and I had gathered together all my documents. Clearly, this was their fault, not mine but I want to pay what I owed. XXXX 's Feed 's management met me at the register counter and I shared ALL my documents. At first, they refused to be involved at all and if I didn't make them be involved I was going to end up paying for something I didn't owe for. XXXX 's Feed made copies of my paperwork and said it would take a week as they needed to go back into their database. I wasn't happy about this because, I wanted to pay them the balance I owed, for them to clear this with Telecheck and clear my good name. \n\nWhat happened next I was NOT prepared for. I called XXXX 's Feed a week later, as they hadn't contacted me. I was told, they had explained this to Telecheck, and I should wait for a letter from Telecheck, which I NEVER got. ( XX/XX/23 ). But now whenever I used my personal check to shop at my local retail stores, my checks were not processing at all. \n\nWe have had our checking accounts for 20 years, and we have NEVER had any issues ( writing checks for nearly 50 years ). It was embarrassing, and humiliating as you stay at the checkout, with long lines of people behind you, and as there were lots of funds in our checking accounts ( {$10000.00} ), our checks like always before should have gone through without issues. We never wrote checks for anything if we did not have monies in our checking accounts. I would finally get a receipt from the cashier with a reference number and call Telecheck. I would call Telecechk, provide them with the reference number, I would be on the phone for nearly 40 minutes. I would ask why the check was declined, and I would NOT get an answer, but I had to answer lots of questions. When I did get a response to my question as to why, I would be told our information had to be updated. Then the representative tells me I can go back in to use a check and it would be approved. \n\nWhat's the point, I either left stuff at the register or used a credit card which do not like to do. My husband & I were abused by Telecheck. This went on each time I went about our normal lives, shopping and paying by check, as this harassment was at least once if not twice a week or twice in one day. In one call I made to Telecheck the representative asked to put me on hold so she could talk to her manager. I guess so, but at that moment, my husband 's phone rang as he was in the room with me because I was crying, and it was the SAME representative who called my husband to ask him if I had his PERMISSION to write checks! What! I was floored. She got back on the phone with me to say everything was alright and we could use our checks as they would approve them. I then asked her this manager she called, it was my husband because he had it on speaker phone and it was her. She refused to answer our question but told me our checks are good, no problem. \n\nWhy is Telecheck not being regulated? Why are they allowed to harass, and use unethical tactics, such as calling my husband, yet, importantly, as this has been ongoing for the last 3 months, several of these calls, the representative ( XXXX ) did tell us that they CAN FREEZE our checking account and they did. My husband was on the team for XXXX XXXX fraud/development and shot right back to them, that Telecheck CAN NOT freeze our checking accounts as they have no authority to do so.\n\nThis has caused me emotional distress as now I panicked when I went shopping and did stop shopping for several weeks. The last call was made to Telecheck after I tried to use our personal check, I left the items at the register, and my husband walked me out of the store, but I sat in the car asking him not to drive and I called Telecheck. This was another 40-minute call, but now I learned that besides that declined our check, and told the account was locked, and I was NOT to write any more checks. This is abuse. \n\nThe representative told me I was in collections and I owed XXXX 's Feed {$60.00} and until I pay this amount, I can not use our personal checks ( XX/XX/23 ). That destroyed me as now this has been two months and entering into XXXX, Telecheck has a chokehold on us. \n\nI called XXXX XX/XX/23 to finally pay the amount that I had originally paid back on XX/XX/23. The representative again told me, XXXX 's Feed had put me in collections because I owed them {$60.00}, yes, I had paid this back on XX/XX/23, but their cashier, which I didn't realize had taken my gift card of {$50.00}, and did enter the full amount of purchase which I feel as stealing from me but from the store as well. \n\nI was told not to use any checks for at least a week until Telecheck completed this debt I owed to XXXX 's Feed. My husband & I are elderly, we in our lives had always used checks to pay when shopping or our bills. \n\nBack in the day, shop owners were approachable, or at least they wanted you to be their customer and would help you when there were issues with products or payments. I guess nowadays, business owners don't care, and for the last 4 months now going on now for 5 months, we are flabbergasted, as Telecheck can do whatever they want to those who are caught up in collections, threaten you, freeze your checking account ( where our social security checks go to ), making it difficult, calling your husband as if he's Telecheck management.\n\nI now suffer emotional distress, and some sleepless nights as each time we call Telecheck, it's repeats of answering the same questions, nothing makes any sense and we can write a check, maybe write another to another store, and be declined once again. \nMy husband & I CAN NOT cope with this any further as we are good people, but freezing our checking, preventing us from our daily lives is wrong.","date_sent_to_company":"2023-05-25T19:45:11.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"956XX","tags":"Servicemember","has_narrative":true,"complaint_id":"7029285","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FISERV FINXACT CORE","date_received":"2023-05-25T18:27:14.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["I guess nowadays, business owners don't care, and for the last 4 months now going on now for 5 months, we are flabbergasted, as Telecheck can do whatever they want to those who are caught up in collections, threaten you, freeze your <em>checking</em> <em>account</em> ( where our <em>social</em> <em>security</em> <em>checks</em> go to ), making it difficult, calling your husband as if he's Telecheck management."]},"sort":[12.097797,"7029285"]},{"_index":"complaint-public-v1","_id":"3269300","_score":11.027589,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I will attempt to make a very long story short. To begin, it is important to know that I am in the process of qualifying for a loan. My loan officer was able to successfully pull my credit information from XXXX and XXXX ( no problems at all ), but was unable to get this information from Equifax. They advised me to call and provide them with my information so they can verify my identity or, at the very least, get additional information as to why my information can not be accessed by my loan officer. I call in around late XXXX and the woman I spoke to states that they can not find a profile with the information I have provided. Very odd, as I know that I have provided her with all my correct information ( Full Name, Social Security Number, Address, etc. ). She advised that I send in a cover letter that includes my full name, address, phone number, and essentially an explanation/summary as to why I was sending this information in. She also advised I send in a copy of my ID and of my Social Security Card to Equifax at XXXX XXXX XXXX XXXX GA XXXX or fax it to XXXX. My loan application was put on hold and a few months went by. On XX/XX/2019, I faxed in and mailed the aforementioned information to resolve this issue. I then called XXXX about a week later and the woman on the line asked for all of my information and confirmed she can not find a file with my information. I told her that this was exactly why I was calling and was hoping to confirm that the information I submitted via fax and mail was received. She stated they did not have these documents on file as of yet, could not give me additional information, and to wait until I receive a confirmation letter in the mail. She stated this letter could take up to a month to reach me. I was not happy about the time frame she gave me but understood that there was a process they need to follow ( hopefully to protect my information ). I waited. And waited. Nothing came in the mail. On XX/XX/2019, I called in to Equifax again to check on the status of my \" dispute. '' I was essentially told by XXXX that they they have still not received my information ( as it has not been uploaded to my account ) and to send it in again. I asked if it typically takes this long to process the fax/mail and to upload it to my account. He stated that faxes are typically processes in 3-5 business days and mailed in information may  take up to 30 days to be processed and uploaded. This made me think that they never received my information or lost it since it had been a month since I sent this information in. XXXX then stated that I should contact my bank to confirm that they have my information correctly. Essentially, he said that my bank may not be reporting my credit information to Equifax. I told him this is unlikely because the other two credit bureaus have their information on file, but told him I would call to make sure and send in my information again. I confirmed that I need to send it in to XXXX XXXX XXXX XXXX GA XXXX and fax it to XXXX ; he stated that was correct. \nOn XX/XX/2019, I called my local bank, spoke with XXXX ( who was very kind and helpful ), and she confirmed that they report credit cards to all three bureaus. She suggested I call the number on my credit card in order to confirm that my bank has my information correctly listed. I did so, explained the situation to a woman named XXXX, and was transferred to my bank 's credit bureau team. It was here that I spoke to XXXX ( also very helpful ), who also confirmed that they report credit information to all 3 bureaus on a monthly basis. XXXX also verified my name, address, date of birth, and social security number ; I confirmed that all of this information is correct on their end. XXXX offered to send my information to her maintenance team, who will reach out to Equifax on my behalf and hopefully get additional information from them/resolve the issue. \nOn XX/XX/2019, XXXX called me and left a voicemail requesting I call her back as soon as possible. When I did so, I was connected with XXXX who stated XXXX was on another call but had made detailed notes on my account regarding Equifax. Essentially, XXXX told me that Equifax has a different name associated with my social security number. I asked if it could be a variant of my name, but XXXX stated that variants are typically resolved quickly so this may be a completely different name ; they told her to have me send in my social security information and ID once again. Okay, so now I'm thinking that Equifax has a completely different person associated with my Social Security number. Obviously that is very concerning. \nAfter this call from my bank, I fax and mail an updated cover letter, my social security card, my passport, and the receipt of my previous fax on XXXX to Equifax. \nI called Equifax again on this date to let them know that I had done so and to let them know what my bank had told me. I spoke with XXXX, who told me to wait 30 days to receive confirmation response in mail. I told her that I had also sent this information on XXXX and asked her to see if that was ever received. She stated it was not uploaded to my account so was never received. I let her know that this does not make me feel confident they will receive my information this time, as it was sent to the same fax and address. XXXX told me to call back in 3-5 business days as this is typically how long it takes to process a fax. I told her I will do that. \nI called back on XX/XX/2019. The person I spoke to stated they did not receive any documents and nothing has been uploaded to my account. I asked to speak to a supervisor and XXXX picked up my call. XXXX stated that it takes 5-7 business days to process a fax ; I let him know that his team members have not given me that time frame, and are therefore giving out incorrect information. He stated there is nothing he can do until they receive my information and suggested I send it in a third time. At this point, I am flustered because I have been given conflicting information and they never received my fax or mail the first time I sent it in. \nI call again on XX/XX/XXXX, and the woman I spoke t stated they have received my information via fax and I should receive a written confirmation in the mail regarding this dispute in a few days. I check my mail and see that I have two \" confirmation '' letter from Equifax. One is dated XX/XX/XXXX and does not have my complete name listed ; this one is six pages long and states that the \" information you disputed has been updated as well as other information on this item. '' Very vague. It then goes on to state that the \" information you disputed has been verified as accurate, however, information unrelated to your dispute has been undated. '' What exactly does that mean? \nThe second confirmation letter is dated for XX/XX/2019. This letter also states the \" information you disputed has been updated as well as other information on this item, '' but goes on to state that my name has been updated. Initially I thought this was great news because they have updated my name in the system to match the information I provided, not some other person 's random information. Unfortunately, I take a closer look at the name they have updated my information to, and realize my last name is misspelled. I have no idea why they have updated my last name to this incorrect spelling, especially since they have my Social Security card and ID with the correct spelling of my name. \nI called Equifax on XX/XX/2019 to ask for clarification and ask them why they updated my name to this random spelling. I never asked for them to update my name ; I had sent in my information so they can confirm my identity and find my credit profile ( to see what information they had incorrectly in their system ). I initially spoke with XXXX, who told me that they are having a system update and to call back in an hour. \nWhen I did, I spoke with XXXX and told him my name has been updated to an incorrect spelling and I have the confirmation number if he needs it. XXXX did not ask for this confirmation number, asked for my information, and then stated he can not proceed with this claim because they do not have enough information to verify my identity. I asked dhow this was possible as I have sent in my information twice and was told it was received, and received not one but two confirmation letters. XXXX stated there is nothing he can do, there are not documents associated with my account, and I need to send it in again. I am very frustrated now and disconnect the call. \nLater, I call in again. There must be some mistake. I am connected with XXXX and immediately ask for a supervisor. She refused so I give her the entire story. I am put on hold and XXXX states the same thing that XXXX did ; they do not have information on file for me and I need to send it in again. I refuse and ask her to look for it again as it has been confirmed as received in the past. I am place on hold and XXXX now states she has found the documents I have been referring to, has me confirm the spelling of my name and does spell back my name incorrectly. This confirms they have updated my name incorrectly. I was placed on hold a third time and XXXX tells me I should wait for the confirmation letter. One again, I reiterate to her that I have received these confirmation letters and they do not make sense ; my name has been updated incorrectly. I ask if there is any other way we can resolve this issue because I am not willing to send in my information again, as I have done so and for some reason they decided to update my name incorrectly. Again, I am put on hold and XXXX states she can't verify my identity by asking verification questions because there is no credit information associated with my profile. I say of course there is not because that profile has an incorrect spelling of my name, and who knew who was associated with my social previously/how it was spelled before. I ask for the supervisor again and am transferred to XXXX again. After giving him the spiel once again, XXXX stated he will place me on hold and try to get a hold of their Office of Consumer Affairs. Once back on the line, he states that office is not open but I simply need to send m information again to get this resolved ; XXXX states I don't need to call in to get this resolved. I let XXXX know that, with all due respect, I do no have confidence it is that simple considering all that has happened. I asked him if he will call them again when they are open on my behalf to get this resolved. He stated he will not. I told him, in that case, I definitely need to keep calling and will call Equifax again tomorrow when that office is open and they can call them on my behalf while I am on the line if they will not do so otherwise to resolve this issue. Then we can talk about sending my information a third time.","date_sent_to_company":"2019-06-09T23:47:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85379","tags":null,"has_narrative":true,"complaint_id":"3269300","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-06-09T23:47:49.000Z","state":"AZ","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["When I did so, I was connected with XXXX who stated XXXX was on another call but had made detailed notes on my <em>account</em> regarding Equifax. Essentially, XXXX told me that Equifax has a different name associated with my <em>social</em> <em>security</em> number. I asked if it could be a variant of my name, but XXXX stated that variants are typically resolved quickly so this may be a completely different name ; they told her to have me send in my <em>social</em> <em>security</em> information and ID once again."]},"sort":[11.027589,"3269300"]},{"_index":"complaint-public-v1","_id":"5568237","_score":9.971261,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XX/XX/2020 my wife passed away. Before my wife passed away, unknown to me she had opened a credit card account with Discover Credit Cards. She used my Social Security #, her business PO address, her email, her phone number. I never signed anything, nor had I any knowledge of this. My wife used it for house hold purposes, so it was not like she was stealing from me. So after her sudden death, I had no idea this account existed. Also, we ended up in probate court and much of my assets were frozen. Everything was in my wife 's name, I was diagnosed with XXXX a year earlier. Then XXXX hit a month or XXXX later. DMV, Courts, everything closed. It took me a while to find the my wife 's business po box . All the statements were being sent there. Then I had to find the key, when I finally got in the box it was completely stuffed with all kinds of bills and mail. I had enough funds to cover all the bill however it was locked up by the courts and in her probate estate. I had no problem paying off the all the other credit cards in her name as I'm allowed to pay her debts with her estate funds. However Discover was in my name. As soon as I found the Discover statement, I called them, I didn't dispute the charges, but I explained to them the situation and I asked them to put the debt in my wife 's name and I can pay them right away. They said the couldn't do that. I pointed out that they did not even have any of my information until I just gave it to them, surely you can do this simple thing for me. They refused. They claim it was fraud and I needed to file a fraud claim and that is the only option I had. So reluctantly I did. It was hard filing papers that made my very recently deceased wife look like some kind of criminal. But I had no choice, I didn't have any funds available at the time. There was over $ XXXX cash probate locked up. After all that Discover said, that it was not fraud. So I asked them for statement or proof that they had my wife 's data on files at least and they said I had to do all that myself. They refused to help me in any way. So I did the best I could and had my attorney petition the courts so that I would be able to make this payment. It was a long grueling process with COVID and courts closing and all this. In the end my attorney said to go ahead and use the funds to pay it he will fix it with the courts. So technically I illegally paid this debt ( with my own money ). I asked Discover if they could clean up my records and they assured me they could after I sent the money. They never did. I never ran from them, never did they have to chase me, I did everything I could to get them paid as quickly as I could. They refused to help me and if you ask me they were 50 % responsible along with my wife for creating this mess in the first place. They only had my SS #. Did they check nothing? And now I have a blemish on my credit history, I'm the only XXXX that didn't make a mistake, I'm the one that cleaned the mess up, I paid for all of it including late charges. I do not feel that I should be the one to have anything negative marks on my credit history or anything else. I think they owe me and apology and a thank you! This is totally unfair and unjust. I'm the exact type of person who creditors would love to do business with. In contrast other creditors treated me completely different. As soon as they knew of a death in my family XXXX sent me directly to the XXXX XXXX XXXX. They stopped charging me interest right there. I didn't even ask. They said, \" Do not worry, we are with you, we are going to work through this together and your credit will be undamaged in the end, we are so sorry you are going through this. '' And they did. Discover was horrible. During a time when I thought I hit rock bottom, they managed to show me that I can still burrow down a bit deeper and if couldn't do it they were happy to give me a hand to do that. It's amazing the amount of effort they would make to hurt me even when helping would have been less work for them. They need to really reflect on their business practice. And if you look at my credit report you can see what I say is true, everything is prefect except Discover looks like a train wreck.","date_sent_to_company":"2022-05-16T22:54:45.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90503","tags":null,"has_narrative":true,"complaint_id":"5568237","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2022-05-16T21:40:10.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["Before my wife passed away, unknown to me she had opened a credit card <em>account</em> with Discover Credit Cards. She used my <em>Social</em> <em>Security</em> #, her business PO address, her email, her phone number. I never signed anything, nor had I any knowledge of this. My wife used it for house hold purposes, so it was not like she was stealing from me. So after her sudden death, I had no idea this <em>account</em> existed. Also, we ended up in probate court and much of my assets were frozen."],"issue":["<em>Problem</em> with a credit reporting company's investigation into an existing <em>problem</em>"],"sub_issue":["<em>Problem</em> with personal statement of dispute"]},"sort":[9.971261,"5568237"]},{"_index":"complaint-public-v1","_id":"3926166","_score":9.851852,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Bluebird by American Express Debit card has been my Preferred Debit card to Load my Social Security XXXX Funds since around XXXX. \n\nFor the most part, I have been happy with this Card and using the Card. Bluebird does not have any Physical Locations or Branches in my Area or anywhere else for that matter. The Funds must be pulled out thru ATM Machines and Bluebird Advertises and or Promotes the ATM Machines located at XXXX XXXX Stations Nationwide as there are NO Fees to Withdrawal Funds, you may withdraw up to {$750.00} Daily. The only inconvenience is that the Vendors for these ATM Machines at XXXX has set a Maximum Withdrawal per transaction of {$200.00}. Therefore you must do 2-3 Transactions at the Machine if you need to Pull out Money for Larger Bill Pays and such. \n\nI have a XXXX located close to my Home in XXXX XXXX, FL and I use it frequently. However, the Vendor for this Particular ATM Machine does not keep up Maintenance properly and the ATM has been out of Receipts or has a Printing Error for the Past 3 Months. They even have a message stating that you will NOT receive a Receipt and to Press yes if you wish to continue your transaction without a receipt. \n\nMy XXXX Check comes on or Before the XXXX of each month, so on XX/XX/XXXX I went to my Closest XXXX to Withdrawal Funds to pay bills. I withdrew the First 2 {$200.00} with no Problems but when Attempting to Withdrawal the 3rd {$200.00} the MAchine Started \" Buffering '' Like it was \" Thinking '' after awhile the Screen Displayed an Error Message on it. This particular ATM prompts you to Remove your ATM card prior to requesting money amount, so I had my Bluebird Card, But I did NOT have the {$200.00} or a Receipt from my Transaction. There is a Camera at the Store and I had Assumed the Transactions were captured on that XXXX security camera. I also informed the XXXX Store Clerk that the ATM machine was Not Working and I left. I went to the Next XXXX down the Road and I attempted to Pull out the Additional {$200.00} I needed to pay my Mortgage Bill. The ATM MAchine stated that I had Reached my Withdrawal Limit or Exceeded Funds Daily Request Limit. This Alerted me that the Previous MAchine had Deducted the {$200.00} from my Bluebird Account even Thou it did Not Dispense the Cash. \nI immediately went home and called Bluebird by American Express and reported the Issue. I also Attempted to Locate or Contact the Owners of the ATM Machine located in XXXX which I found out that you must initiate the ATM Complaint thru the Credit or Debit Card Company in event of ATM Machine Errors. So I did File the Complaint with Bluebird and Asked them if I needed to Do anything Else? They Said No, and if they needed anything that they would reach out to me. Well, Time Went on and about 3-4 Weeks Later I had not heard anything and I called Bluebird by American Express Back and inquired about the ATM Error. The Representative Said that I should be getting the Funds back on my Card any day now and to call back if I did not see the {$200.00} returned. \nI waited another 1-2 Weeks Checked the account and Nothing! I called back and they Stated that the Case had been Closed due to a Lack of response by me and the Vendor I guess had responded that they did not see anything wrong with the transaction? How could they Not when They kept my {$200.00}? \n\nIt was at this point that I started to get upset and asked How they came up with \" LACK of Response from me? '' They Stated that an Email had been sent to My Sons Account Email on File. My Son and Daughter are XXXX, under XXXX and I opened accounts for both of them and I had been using my Sons Card, \" WITH his permission of coarse '' and I had to use it as My Personal Bluebird Card had been Hacked one Year Prior \" More than Once '' I had to File Police Reports and that's another Story, But ever since then, My Card was not working properly even after PIN Changes and Security Phrases it still was locked, So I would just transfer my Paycheck Funds over to My Sons Subaccount Bluebird Card and then Go to XXXX and Withdrawal the Funds. That was my Work Around and it worked for close to one year anyways. The Bluebird Representative told me they had sent a Notice or Request to my Sons Email, I asked for them To Send the Email to Me, the Primary Account Holder and they Said Sorry they could not do that. So I had my Son Forward me the Email. There Was Only One that he Found and it was just restating that I had opened the Claim and they were investigating the Claim. \n\nNo Form or Request for additional Information like the Bluebird Rep stated they had Sent with no Response? \n\nSo Now Here I am almost 2 months after the Machine Debited {$200.00} from my Account and Still no Refund. I'm a XXXX Single father of XXXX Teenagers and the Limited Amount of Funds I receive on SSA XXXX does not even cover all my Bills, so you can imagine taking {$200.00} away from me and how much this affects my Family. \n\nPlease help me receive service from Bluebird and also, I need the Forms and Request sent to Myself the Primary Account Holder, Not my XXXX Son 's Email. Just an FYI, My Son does not have access to the Account and I have His Sub Account card in my Possession at all times. I did just recently request a new Primary Account Card and Hoping that it will allow me to Utilize the Primary account again. \n\nThe Transaction that we are Taking about happened on XX/XX/XXXX, at the XXXX LOCATED AT XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Transaction ID XXXX I asked Bluebird to Reopen the Claim and they Did and Sent a Notice to My Sons E-mail again The Notice Suggest and Looks like I had an ATM Error on XXXX Which is Just the Date I asked to Reopen the Claim. The Notice Says Transaction Date of XXXX which is NOT correct, The Transaction Date was XX/XX/XXXX, and Transaction ID was XXXX. \n\nThank you for your assistance! \nXXXX XXXX XXXX XXXX, Fl","date_sent_to_company":"2020-10-29T16:45:14.000Z","issue":"Problem with a purchase or transfer","sub_product":"General-purpose prepaid card","zip_code":"33991","tags":null,"has_narrative":true,"complaint_id":"3926166","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2020-10-29T15:03:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["Bluebird by American Express Debit card has been my Preferred Debit card to Load my <em>Social</em> <em>Security</em> XXXX Funds since around XXXX. \n\nFor the most part, I have been <em>happy</em> with this Card and using the Card. Bluebird does not have any Physical Locations or Branches in my Area or anywhere else for that matter."],"issue":["<em>Problem</em> with a purchase or transfer"]},"sort":[9.851852,"3926166"]},{"_index":"complaint-public-v1","_id":"2905185","_score":8.61614,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 10952 RE : Illegal and deceptive mortgage loan measures Wells Fargo Home Mortgage, loan number XXXX XXXX XXXX XXXX XXXX XXXX, loan number XXXX XXXX XXXX I mailed to XXXX XXXX XXXX XXXX my first month 's mortgage payment using a check from my wife 's personal bank account, with the loan number on it ( XXXX XXXX XXXX ). The check was mailed to XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX ; I mailed it in XX/XX/XXXX because I wanted to make sure it would be there by the XX/XX/XXXX, mortgage payment date. On XXXX XX/XX/XXXX, XXXX withdrew {$2000.00} from XXXX XXXX XXXX account of wife, XXXX XXXX. Shes not even on the mortgage. XXXX withdrew without her authorization or any court authorization. \n\nAfter my wife saw what happened, I called XXXX immediately, on either Monday XX/XX/XXXX, or Tuesday XX/XX/XXXX. The customer service rep said, Thats not right. ( She was speaking for herself and was probably fed up with her company 's abusive practices toward their customers. ) She also said they just received papers from Wells Fargo and will be sending the XXXX \" welcome package '' to me that week. To date ( XX/XX/XXXX ), I have not heard from them regarding my complaint, nor has the charge been reversed, nor have I received any mail from them. \n\nHow did I end up with XXXX? It was another unethical if not illegal act of Wells Fargo. Until XX/XX/XXXX, my mortgage for our home ( XXXX XXXX XXXX XXXX NY XXXX ) was with Wells Fargo ( loan number : XXXX ). \n\nPer an agreement with the lawyers representing Wells Fargo and the bankruptcy lawyer that I had to hire, I gave Wells Fargo {$13000.00} to secure a loan modification. The checks were cashed. A few weeks later the Wells Fargo lawyers sent a document that I did not provide them with all of the information they requested, and hence I did not act in good faith! Therefore, my mortgage modification was rejected and was given to this dishonest and incompetent company called XXXX XXXX XXXX XXXX ( XXXX ). \n\n( I would have provided them with whatever information they wanted, but I didnt know about it until I saw their lengthy response. Thinking about it now, the modification offer was already offered, so why did I need to keeping providing them with more paperwork and documents. ) The money that I gave Wells Fargo was not easy to come by. My wife gave {$6000.00}, half of her savings. I borrowed {$4000.00}, which I have to pay {$1000.00} a month. In addition, I had to borrow {$4000.00} to file for bankruptcy. And I have to pay {$370.00} a month for 36 months to the bankruptcy court trustee. I dont even know why I am in bankruptcy court : I have no credit card debt. All I wanted to do was to get my house out of foreclosure. The lawyer who worked on getting the modification charged me {$7000.00}, and he is hounding me for the {$5500.00} balance. I have not paid the bankruptcy lawyer a penny, but that bill is adding up. \nThis is really part of the unscrupulous practices of Wells Fargo Home Mortgage, which caused my wife and myself, and indeed all of our XXXX children, much distress. It has a long history, but I am sure you know what they have done to people like me who applied for loan modifications. Besides the emotional stress, it cost me 2 jobs and damaged my reputation. Even today, I spent hours today ( Sunday ) and last Sunday on this project to save our home from foreclosure. \n\n\n1. My hardship became a much worse hardship because I filed Making Home Affordable modifications with Wells Fargo. Their apparent strategy of dragging out the modification processes for more than 2 years, running me around week after week, adversely affected 2 of my jobs as a medical writer, which resulted in lengthy periods of unemployment. The affordable modification I finally received after 3 years increased the money I owe on our house substantially but did not reduce the monthly payment at all. \n2. In XX/XX/XXXX, I re-applied for a modification. After two years of acting in exemplary good faith, and giving and updating ad infinitum everything they requested, they dropped me because I could not give them one letter from Social Security stating that my XXXX children were receiving {$1600.00} a month ( instead of the 2 separate benefit letters stating that they were receiving {$800.00} each ). \n3. A year later I hired a lawyer to try again for an affordable modification ( I could not afford a lawyer but I could not let this interfere with my new job ). They offered me a deal and my wife with great sacrifice and financial hardship gave them {$12000.00} to cover for 3 trial payments and the current and upcoming mortgage payments, and they dropped me for not acting in good faith (! ), and then they give my loan to XXXX XXXX XXXX XXXX ( XXXX ). \n4. XXXX XXXX XXXX XXXX withdrew money from my wifes bank account without her authorization. Shes not even on the mortgage.\n\n5. My wife and I are not youngI am XXXX and she is XXXXand we have XXXX children living at home who relying on our home while they finish school ( high school, XXXX college, and vocational schools ). We want and need to be settled for our physical and emotional health. We need to stay in our home for at least the next 5 years. We want to fix it up. The kitchen floor is torn up, the front steps are falling apart. But I need to focus on my job. We are asking for your help. Below is my letter with more details. \n\n\nWhen did my hardship begin? As I will explain below, there were 2 causes : ( 1 )  housing market crash in XX/XX/XXXX and ( 2 ) Wells Fargo Home Mortgages intentional unethical management of the Making Homes Affordable program. \n\n( 1 ) We bought our home ( XXXX XXXX XXXX XXXX Ny XXXX ) in XX/XX/XXXX for {$360000.00} ( 10 % down ). I was working at XXXX XXXX, about 10 miles away, in XXXX XXXX NY. The housing market had crashed at the beginning of XX/XX/XXXX, and the market fell, and I could not sell my previous residence ( XXXX ), which would have knocked off about {$100000.00} off the cost of our new home in XXXX. I was earning a good wage. However, being the primary supporter of my family ( my wife and XXXX children ), the hefty mortgage was about {$500.00} to {$700.00} more than we could afford each month. When the Making Homes Affordable Act of XX/XX/XXXX was announced, I applied to Wells Fargo. \n( 2 ) ( 3 ) Wells Fargo might claim that they were offering the program as a favor to help homeowners. It should have been a fairly straightforward process, like applying for a mortgage. Instead, there were endless requests for additional information. There was an urgency to fax it in as soon as possible. Then they requested to call back in 7 to 10 days to see if more information was needed. When all of the information was received, they needed updates of paystubs or hardship letters. Then the representatives would review the monthly expenses and ask if I could reduce our grocery bill. I had to make phone calls, print out forms, and fax information. This runaround was going on for 18 months with no end. The constant run-around had a negative impact on my work at XXXX XXXX. That job ended with unfavorable reviews. Thankfully I found another contract about a month later. ( Nevertheless, being out of work for even one week is a strain on our tight budget. ) But Wells Fargo continued to drag along the modification and run me around with all of the urgent calls, forms to complete, bank statements and pay stubs to gather, and faxes. All of that runaround adversely affected my new job at XXXX, and that job too ended earlier than planned with unfavorable reviews in XX/XX/XXXX. \n\n( 4 ) After that job, I had a hard time finding a new job. I was unemployed and surviving on unemployment and ended up in XXXX County Foreclosure court in XXXX XXXX, NY. The judge needed me to show more income than an unemployment check. He gave me a deadline until the next court appearance on XX/XX/XXXX. XXXX XXXX in XXXX CT hired me for a full-time position on XX/XX/XXXX ; in the evening of XX/XX/XXXX, HR gave me my first paycheck. The modification finally came about 9 months later, nearly three ( 3! ) years after applying to Wells Fargo. The so-called modification was for the about same monthly mortgage payment ( about {$2900.00} per month ), yet the mortgage became a 40-year mortgage with a lower interest rate but a much higher principal ( all of the fees, penalties, interest rates were rolled into the Making Home Affordable package ). Receiving a mortgage took less than 2 months, doing a modification took nearly 3 years! \n\n( 5 ) ( 6 ) XXXX had and has problems with their main product, XXXX, and after working there for 2 years, more than half of the XXXX XXXX XXXX staff were laid off in XX/XX/XXXX. In XXXX, I applied again to the Making Home Affordable program, hoping that the mortgage would actually become more affordable. As before, I acted in good faith and kept submitting more forms, budget forms, tax forms, hardship letters, bank statements, etc, then updating and calling at regular intervals to see if anything else is needed. I was aged XXXX years and took early retirement, which was doubled because I had XXXX, and then XXXX, children under aged XXXX. They asked for the Social Security benefit award letters for my children. I provided the letters showing that each one was receiving {$800.00} per month. Then they said they need one letter for both of them. They could have easily added {$800.00} and {$800.00}, but the Wells Fargo representative insisting on one letter. After trying to convince her, I asked to speak to her manager. He said the same thing, and said I need to go to Social Security and get one letter for both of them. I went there and Social Security representative and said no such form existed, and just tell them to add the two amounts together. I pleaded for a typed letter stating the total amount, but they said they could not do that. Because I could not supply all of the necessary documentation ( that is, the one letter from Social Security ), they dropped my application. This time I filed an official complaint, and XXXX XXXX of Wells Fargo ( XXXX, extension XXXX ) handled the case. A few weeks later I received a letter saying that she is still investigating the case and asked for more time. A month later I received another letter stating the same thing, and maybe another one after that. I never received the report. I requested a copy, but I never received it. My bankruptcy lawyer, XXXX XXXX, requested a copy but they did not send it to him either. \n( 7 ) In XX/XX/XXXX, after being underemployed or employed for brief projects, I started full-time 6-month XXXX XXXX XXXX at XXXX XXXX XXXX, earning {$55.00} an hour. I was open to any XXXX XXXX XXXX and started very low ( at prior jobs I earned between {$75.00} and {$100.00} an hour, or {$120000.00} a year at XXXX ). But I knew that I could not let these mortgage and foreclosure stresses get in my way, that I had to give 100 % of my attention to my job, and I hired a lawyer. I paid him {$1500.00} but he wanted a total of $ XXXX could not afford him and told him I was going to use a lawyer friend, who suggested bankruptcy as a method to push Wells Fargo to work with me. I borrowed {$4000.00} from a XXXX XXXX XXXX in XXXX and they are cashing my checks of {$400.00} every month. My lawyer friend has not sent me a bill. The Wells Fargo lawyer whom he contacted gave XXXX XXXX a copy of a Wells Fargo letter offering me a mortgage modification. It was dated XX/XX/XXXX, and if I accepted it, I could make 3 trial payments, starting with XXXX. I would have been happy with this payment but I never saw the letter. XXXX XXXX lawyers, XXXX XXXX XXXX XXXX, were on the letter, with instructions to forward to me or my lawyer. I am not accusing anyone, but I never saw the letter. I was working very hard at my new job and might not have seen it. \n( 8 ) In 15 minutes, I have a conference call with our colleagues in XXXX. Its Sunday evening here but Monday morning in XXXX. I had to work about 60 hours last week. I got a very good review. But it will last only if I keep working hard ( its a  6-month contract that was just renewed ) and concentrating on my work. Being a XXXX XXXX ( and I am not an MD or PhD ) is hard work and Ive been out of school for about 40 years. Now, you can understand how doing Wells Fargo run-around mortgage applications affected my jobs and then getting unemployed and going into real foreclosure. I have to keep this job and make it last, especially at my age and with such a hefty mortgage and still children that I am responsible, ages XXXX, XXXX, XXXX, XXXX, and XXXX, plus my XXXX-year-old who just finished an XXXX XXXX XXXX and is studying for her license exam, so she also returned home to complete her schooling and get herself on her feet. We need our home. We can not rent an apartment. It is very disturbing for my wife. And it is a big stress on our marriage, too. And one of our daughters has been in hospitals for XXXX XXXX XXXX issues. This is not good for her. I dont want to say any more than that but you can imagine. The ramifications of Wells Fargos actions go far beyond losing a house. \n( 9 ) My meeting is starting in a few minutes. Please help my family. \n\nSincerely, XXXX XXXX XXXX Cell : XXXX Attorney : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX","date_sent_to_company":"2018-05-14T02:12:35.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"10952","tags":"Older American","has_narrative":true,"complaint_id":"2905185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2018-05-13T22:19:52.000Z","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":["XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 10952 RE : Illegal and deceptive mortgage loan measures Wells Fargo Home Mortgage, loan number XXXX XXXX XXXX XXXX XXXX XXXX, loan number XXXX XXXX XXXX I mailed to XXXX XXXX XXXX XXXX my first month 's mortgage payment using a <em>check</em> from my wife 's personal bank <em>account</em>, with the loan number on it ( XXXX XXXX XXXX ). The <em>check</em> was mailed to XXXX, XXXX."]},"sort":[8.61614,"2905185"]},{"_index":"complaint-public-v1","_id":"8012897","_score":8.1973095,"_source":{"product":"Credit card","complaint_what_happened":"Saturday, XX/XX/ Summary ( URGENT!!! ) : My credit card account is forcefully being closed. Please help me get justice from Discover Card ID Protection & Notary Team BEFORE XX/XX/ ( Sunday ) or else their every answer will always start with an UNFORTUNATELY ( e.g., start a new application, apply for new card, cant do anything because card already been closed by then and many infinite excuses will be mentioned by their ID Protection & Notary Team as they have been mentioning since XXXX on most of their phone calls ) and there will be no use of the time and effort I am spending to make this complaint today. \n\nKindly help me by calling them ( Discover ID Protection & Notary Team ) ASAP on this Monday, XX/XX/, at XXXX ( XXXX ) XXXX ( M-F XXXX EST ) and ask them to extend my account closing date to at-least more than a year as we work through the progress of this complaint, PLEASE. \n\nPlease help me save my card account. I am new to credit. This is my first ever credit card and I dont want it closed due to negligence of Discover Card team. So many other cases can be XXXX on many platforms like XXXX where many X-Customers voices were diminished like myself because Discover ID Protection, Notary or Customer Protection agents/team never email so that no records can be saved to hold these agents accountable. Their X-Customers have also raised this issue of receiving very bad customer service and some of the most notorious attitudes by them. \n\nDiscover Card ID Protection Team are closing my card account on XXXX XXXX4th, 2023 ( during holidays season ). Their Notary Team ( part of ID Protection Team ) will certainly be making an excuse that phone call verification wasnt completed or something. Even-though they know that : ( 1 ) There is massive time zone difference between the XXXX and the XXXX ( as the requested form by Discover Card ID protection team is being notarized by the US Embassy Notary Service , XXXX, XXXX on THIS TUESDAY, XX/XX/ ). And ( 2 ) This is holidays season so they might not be able to answer phone calls during this time. \n\nDiscovers Notary Team is not being helpful at all and they Straightforward Refuse to utilize an official email provided by the US Embassy Notary Service for verification -no matter what- as mentioned by their agents on many phone calls I have made to them and requested if they would kindly even consider? Answer has always been a NO. And that they will make a phone call, if not answered, REJECTED, and ACCOUNT CLOSED. Or account closed if the deadline XX/XX/, comes before even their Notary Team can attempt to make a phone call ( regardless of when the form was/will be uploaded as these both systems/services/agents dont work together/communicate to each other ). Which is such a shame for a large-scale company like Discover. \n\n\n\n\nComplete Description : ( Discover Financial Services ) issued me a credit card on XX/XX/ ( ATTACHED : XXXX ) with {$200.00} limit. During my application process I mentioned and uploaded my University Letter as a proof that I would be studying for some time abroad, yet they pulled a hard inquiry on my credit, took a couple of days to complete their checks and finally about a week later approved me. I was incredibly happy since this is my first ever credit card and would help to build my credit profile slowly, so I was really grateful. \n\nBut sometime in the beginning of XXXX without my knowledge they blocked my card. I only realized when I found myself embarrassed at the register of a grocery store on XX/XX/XXXX. \n\nTo understand why that happened I called them, and I was faced with some of the worst experiences and attitudes by their Customer Protection Service who then transferred me to their even worse High Security Team, and later I was transferred to their ID Protection Team. I received bad experience and really awful attitude by their agents who did not want to serve me ( just because I was abroad? ) I felt completely rejected and humiliated by the way they treated me just by asking what happened. There was XXXX apology requested by them on blocking my card all of a sudden. ID protection dept asked me of ID proofs. To which I sent my Passport, Social Security Card and my Bank Statement but they were not happy, asked me to have a form notarized and sent an email with instructions ( ATTACHED : XXXX, XXXX, XXXX, XXXX, XXXX ). \n\nI then went ahead and paid {$25.00} service fee for the notary, completed notarization process, submitted notarized form to them and waited for almost XXXX weeks and no answer was received. \n\nI then rang up their ID Protection Team on XXXX. Agents on this line are always very rude with an upsetting attitude in their voice. They surprised me that notarized form was rejected by their Notary team. They then told me that I should have it notarized only from a XXXX XXXX XXXX XXXX XXXX I asked what the solution for me is since you knew I would be abroad even during my application. They said they can only accept notarized form from the US Embassy.\n\nUS Embassy did not have any appointments available, so I constantly ( days and nights ) checked their website to have some luck. I finally have been able to book my appointment in the US Embassy XXXX, XXXX XXXX on XXXXber 19th, 2023 ( Tuesday ) and once again this time I will be spending {$50.00} for notary and {$70.00} for my travel expenses to XXXX. But there are THREE MAJOR PROBLEMS.\n\n1. They have sent me Two types of forms ( conflicting information ) one that was attached in the email itself ( ATTACHED : Email Notary Form, 3 Sections ), and the other that opens up after I clicked a LINK ( XXXX XXXX XXXX ) provided in that same email ( ATTACHED : Weblink Notary Form, 4 Sections ). Both forms are similar with one major twist.\n\nEmail Notary Form has 3 Sections and is able to be attested by US Embassy in my case due to being XXXX XXXX and visiting Abroad at the same time.\n\nWeblink Notary Form has 4 Sections and excludes me as it doesnt give any option for XXXX XXXX who are visiting abroad. \nI have tried several times to understand if they would accept the Notarized Email version form since that one doesnt exclude me due to being XXXX XXXX requesting US Embassy to Notarize. But I have not received any answer from them. They dont have email that one can reach to ask questions, even if you try to find one, they never responded because they dont want to be held accountable of their actions. I have even uploaded my questions in their Upload link provided instead of Notarized form just so it can reach the people who are looking into my case, but to this day I have not received any response. I called them but I received very little assurance on using the email version of the form I say that because they still didnt send me in email that I can use that Even-though agent said he has put note into my file that it will be ok, and that it should be fine even if the complete 5 pages were not sent by Discover to me, form which is page 4 of 5 is still ok to be brought to embassy without page number printed due to embassys policy on having full pages of the form otherwise no notary service. Agent said he dont know where the other pages of this email version of the form are, but feel free to bring this page only and later submit to us, this should be fine. I am submitting this here so in case their Notary team rejects this after I submit it on XX/XX/XXXX then we can hold this company accountable of providing false reassurance and once again letting me lose my money and time. \n\n2. Deadline to close my account is XX/XX/, which is holiday season. If I submit my form on XXXX XXXX ( as soon as I complete my Notary appointment in the US Embassy ) there is a major problem that their Notary is very old school and only verifies this form by calling phone numbers. US Embassy has said they will share a phone number and an email ( which is their preferred way of verifying ) for this verification purposes. But thinking of massive time zone differences between the US and the XXXX it is highly unlikely that Discovers Notary team will ring at the same time while US Embassy Notary team is also working ( working hours : Tuesday and Wednesday afternoons, as well as Thursday mornings, XXXX XXXX XXXX XXXX XXXX and be able to verify the form that will be submitted to them on XX/XX/XXXX. Due to holidays, it would be almost impossible to have this phone call go successfully. I have asked Discovers ID protection agents on phone if their Notary Team would consider sending an email to Embassys Notary Staff due to the situation complications ( i.e., time difference, holidays )? They straight out refuse and say if our Notary team calls them, and they dont respond then Account Closes.\n\n3. Discover Cards ID Protection Agent also mentioned that Notary team dont look into forms until about two weeks after submission. I then asked would you be able to update me via email on the status of what happens after I submit the form? She said No, we dont do emails/texts. You must call us to know ( with a very nasty attitude ). I then asked what happens if my form is uploaded on XX/XX/XXXX, but my account deadline ( XX/XX/XXXX ) arrives? She said account closes and submission cancels automatically. I asked if this is worth the trouble for me to go all these hoops to get that done? She said she doesnt think so and can help me close my account right away ( which is why I think Discovers ID Protection team is so awful ). I then asked her to let me speak to her supervisor regarding the forms she said I will be called but I never was. And no supervisor ever cared how much distressed these people have caused me. I asked that lady why would my account still close even if I submitted the form? She mentioned because the upload system and Notary are two different things one doesnt talk to the other. If account is in date only then Notary team sees the form, Or Notary team never sees that form if the account closed. I requested if Notary would be able to prioritize my form upon submitting and consider verifying via phone/email ( as most preferred way due to previously mentioned reasons ) she mentioned No we dont do priority. I was so disappointed. She made me feel so little by exerting her power as she is sitting in this position and made me feel like I am wasting her time ( the way she rushed to answer my questions without even letting me finish my sentences ). Again, when I asked for her supervisor due to her poor communication skills, lack of knowledge regarding two types of Notaries forms I received via email, her disregard and lack of empathy towards me, she said OK she will. But they never did. So pathetic and disrespectful person who is handling ID Protection Team in Discover Card.","date_sent_to_company":"2023-12-16T21:12:07.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"198XX","tags":null,"has_narrative":true,"complaint_id":"8012897","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-12-16T20:21:17.000Z","state":"DE","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["To which I sent my Passport, <em>Social</em> <em>Security</em> Card and my Bank Statement but they were not <em>happy</em>, asked me to have a form notarized and sent an email with instructions ( ATTACHED : XXXX, XXXX, XXXX, XXXX, XXXX ). \n\nI then went ahead and paid {$25.00} service fee for the notary, completed notarization process, submitted notarized form to them and waited for almost XXXX weeks and no answer was received. \n\nI then rang up their ID Protection Team on XXXX."],"issue":["Closing your <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[8.1973095,"8012897"]},{"_index":"complaint-public-v1","_id":"8012082","_score":8.176106,"_source":{"product":"Credit card","complaint_what_happened":"XXXX, XX/XX/2023 Summary ( URGENT!!! ) : My credit card account is forcefully being closed. Please help me get justice from Discover Card ID Protection & Notary Team BEFORE XX/XX/2023 ( XXXX  ) or else their every answer will always start with an UNFORTUNATELY ( e.g., start a new application, apply for new card, cant do anything because card already been closed by then and many infinite excuses will be mentioned by their XXXX XXXX XXXX XXXX XXXX as they have been mentioning since XXXX on most of their phone calls ) and there will be no use of the time and effort I am spending to make this complaint today. \n\nKindly help me by calling them ( Discover ID Protection & Notary Team ) ASAP on this Monday, XX/XX/2023, at XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX ) and ask them to extend my account closing date to at-least more than a year as we work through the progress of this complaint, PLEASE. \n\nPlease help me save my card account. I am new to credit. This is my first ever credit card and I dont want it closed due to negligence of Discover Card team. So many other cases can be googled on many platforms like XXXX where many X-Customers voices were diminished like myself because Discover ID Protection, Notary or Customer Protection  agents/team never email so that no records can be saved to hold these agents accountable. Their X-Customers have also raised this issue of receiving very bad customer service and some of the most notorious attitudes by them. \n\nDiscover Card ID Protection Team are closing my card account on XX/XX/2023 ( during holidays season ). Their Notary Team ( part of ID Protection Team ) will certainly be making an excuse that phone call verification wasnt completed or something. Even-though they know that : ( 1 ) There is massive time zone difference between the US and the XXXX ( as the requested form by Discover Card ID protection team is being notarized by the US Embassy XXXX XXXX XXXX XXXX, XXXX on THIS XXXX, XX/XX/2023 ). And ( 2 ) This is holidays season so they might not be able to answer phone calls during this time. \n\nDiscovers Notary Team is not being helpful at all and they Straightforward Refuse to utilize an official email provided by the US Embassy Notary Service for verification -no matter what- as mentioned by their agents on many phone calls I have made to them and requested if they would kindly even consider? Answer has always been a NO. And that they will make a phone call, if not answered, REJECTED, and ACCOUNT CLOSED. Or account closed if the deadline XX/XX/2023, comes before even their Notary Team can attempt to make a phone call ( regardless of when the form was/will be uploaded as these both systems/services/agents dont work together/communicate to each other ). Which is such a shame for a large-scale company like Discover. \n\n\n\n\nComplete Description : ( Discover Financial Services ) issued me a credit card on XX/XX/2023 ( ATTACHED : XXXX ) with {$200.00} limit. During my application process I mentioned and uploaded my University Letter as a proof that I would be studying for some time abroad, yet they pulled a hard inquiry on my credit, took a couple of days to complete their checks and finally about a week later approved me. I was incredibly happy since this is my first ever credit card and would help to build my credit profile slowly, so I was really grateful. \n\nBut sometime in the beginning of XXXX without my knowledge they blocked my card. I only realized when I found myself embarrassed at the register of a grocery store on XX/XX/XXXX. \n\nTo understand why that happened I called them, and I was faced with some of the worst experiences and attitudes by their Customer Protection Service who then transferred me to their even worse High Security Team, and later I was transferred to their ID Protection Team. I received bad experience and really awful attitude by their agents who did not want to serve me ( just because I was abroad? ) I felt completely rejected and humiliated by the way they treated me just by asking what happened. There was zero apology requested by them on blocking my card all of a sudden. ID protection dept asked me of ID proofs. To which I sent my Passport, Social Security Card and my Bank Statement but they were not happy, asked me to have a form notarized and sent an email with instructions ( ATTACHED : XXXX, XXXX, XXXX, XXXX, XXXX ). \n\nI then went ahead and paid {$25.00} service fee for the notary, completed notarization process, submitted notarized form to them and waited for almost XXXX weeks and no answer was received. \n\nI then rang up their ID Protection Team on XXXX. Agents on this line are always very rude with an upsetting attitude in their voice. They surprised me that notarized form was rejected by their Notary team. They then told me that I should have it notarized only from a US-Based Bank/Credit Union/UPS Store XXXX I asked what the solution for me is since you knew I would be abroad even during my application. They said they can only accept notarized form from the US Embassy.\n\nUS Embassy did not have any appointments available, so I constantly ( days and nights ) checked their website to have some luck. I finally have been able to book my appointment in the US Embassy XXXX, XXXX XXXX on XX/XX/2023 ( Tuesday ) and once again this time I will be spending {$50.00} for notary and {$70.00} for my travel expenses to XXXX. But there are THREE MAJOR PROBLEMS. \n\n1. They have sent me Two types of forms ( conflicting information ) one that was attached in the email itself ( ATTACHED : Email Notary Form, 3 Sections ), and the other that opens up after I clicked a LINK ( XXXX XXXX XXXX ) provided in that same email ( ATTACHED : XXXX Notary Form, 4 Sections ). Both forms are similar with one major twist. \nEmail Notary Form has 3 Sections and is able to be attested by US Embassy in my case due to being non-US Citizen and visiting Abroad at the same time. \nXXXX XXXX XXXX has 4 Sections and excludes me as it doesnt give any option for non-US Citizens who are visiting abroad. \nI have tried several times to understand if they would accept the Notarized Email version form since that XXXX doesnt exclude me due to being non-US Citizen requesting US Embassy to Notarize. But I have not received any answer from them. They dont have email that one can reach to ask questions, even if you try to find one, they never responded because they dont want to be held accountable of their actions. I have even uploaded my questions in their Upload link provided instead of Notarized form just so it can reach the people who are looking into my case, but to this day I have not received any response. I called them but I received very little assurance on using the email version of the form I say that because they still didnt send me in email that I can use that Even-though agent said he has put note into my file that it will be ok, and that it should be fine even if the complete 5 pages were not sent by Discover to me, form which is page 4 of 5 is still ok to be brought to embassy without page number printed due to embassys policy on having full pages of the form otherwise no notary service. Agent said he dont know where the other pages of this email version of the form are, but feel free to bring this page only and later submit to us, this should be fine. I am submitting this here so in case their Notary team rejects this after I submit it on XX/XX/XXXX then we can hold this company accountable of providing false reassurance and once again letting me lose my money and time. \n\n2. Deadline to close my account is XX/XX/2023, which is holiday season. If I submit my form on XXXX XXXX ( as soon as I complete my Notary appointment in the US Embassy ) there is a major problem that their Notary is very old school and only verifies this form by calling phone numbers. US Embassy has said they will share a phone number and an email ( which is their preferred way of verifying ) for this verification purposes. But thinking of massive time zone differences between the US and the XXXX it is highly unlikely that Discovers Notary team will ring at the same time while US Embassy Notary team is also working ( working hours : XXXX  and XXXX  afternoons, as well as XXXX  mornings, XXXX XXXX XXXX XXXX XXXX and be able to verify the form that will be submitted to them on XX/XX/XXXX. Due to holidays, it would be almost impossible to have this phone call go successfully. I have asked Discovers ID protection agents on phone if their Notary Team would consider sending an email to Embassys Notary Staff due to the situation complications ( i.e., time difference, holidays )? They straight out refuse and say if our Notary team calls them, and they dont respond then Account Closes. \n\n3. Discover Cards ID Protection Agent also mentioned that Notary team dont look into forms until about two weeks after submission. I then asked would you be able to update me via email on the status of what happens after I submit the form? She said No, we dont do emails/texts. You must call us to know ( with a very nasty attitude ). I then asked what happens if my form is uploaded on XX/XX/XXXX, but my account deadline ( XX/XX/XXXX ) arrives? She said account closes and submission cancels automatically. I asked if this is worth the trouble for me to go all these hoops to get that done? She said she doesnt think so and can help me close my account right away ( which is why I think Discovers ID Protection team is so awful ). I then asked her to let me speak to her supervisor regarding the forms she said I will be called but I never was. And no supervisor ever cared how much distressed these people have caused me. I asked that lady why would my account still close even if I submitted the form? She mentioned because the upload system and Notary are two different things one doesnt talk to the other. If account is in date only then Notary team sees the form, Or Notary team never sees that form if the account closed. I requested if Notary would be able to prioritize my form upon submitting and consider verifying via phone/email ( as most preferred way due to previously mentioned reasons ) she mentioned No we dont do priority. I was so disappointed. She made me feel so little by exerting her power as she is sitting in this position and made me feel like I am wasting her time ( the way she rushed to answer my questions without even letting me finish my sentences ). Again, when I asked for her supervisor due to her poor communication skills, lack of knowledge regarding two types of Notaries forms I received via email, her disregard and lack of empathy towards me, she said OK she will. But they never did. So pathetic and disrespectful person who is handling ID Protection Team in Discover Card.","date_sent_to_company":"2023-12-17T02:48:19.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"198XX","tags":null,"has_narrative":true,"complaint_id":"8012082","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2023-12-17T02:35:54.000Z","state":"DE","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["To which I sent my Passport, <em>Social</em> <em>Security</em> Card and my Bank Statement but they were not <em>happy</em>, asked me to have a form notarized and sent an email with instructions ( ATTACHED : XXXX, XXXX, XXXX, XXXX, XXXX ). \n\nI then went ahead and paid {$25.00} service fee for the notary, completed notarization process, submitted notarized form to them and waited for almost XXXX weeks and no answer was received. \n\nI then rang up their ID Protection Team on XXXX."],"issue":["Closing your <em>account</em>"],"sub_issue":["Company closed your <em>account</em>"]},"sort":[8.176106,"8012082"]},{"_index":"complaint-public-v1","_id":"7532558","_score":7.024104,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"This is a formal dispute letter to the Fraud Department of Huntington Bank Dear Huntington Bank Fraud Department, My name is XXXX XXXX XXXX and I am a citizen of the United States of America. I am writing this letter to inform Huntington Banks Fraud Department that I have recently been a victim of fraud perpetrated by the fraudulent trading company called XXXX XXXX using a mobile application called XXXX. Since all the transactions that I am disputing in this letter were authorized by me which I was manipulated to believe to be for trading purposes, I believe that the fraud that I was a victim of is called Authorized Push-Payment Fraud. I have also strong reasons to believe that money laundering and potentially terrorism financing are involved in the said fraud. I kindly ask for Huntington Bank Fraud Department to look into this matter. \nIn this letter, I will be providing a detailed account of how the fraud started, how I was tricked into investing a huge amount of money in the platform, and how I found out that I was being scammed. All of the pieces of evidence regarding this fraud case that I was able to gather are attached to this letter in the Appendices for your full disposal. If you need more information/documents from me, just let me know and I shall send them immediately as soon as I can. \nWhy I am contacting Huntington Bank To summarize the flow of money, I deposited XXXX money to my XXXX wallet through wire transfers from my Huntington Bank account. From XXXX, I bought cryptocurrencies and transferred them to my XXXX wallet. From there, I sent my crypto to the wallet addresses that were provided to me by the scammers, thinking that the money I was sending was going to my XXXX trading account balance. Since the trading platform is fake and its involvement with the trading market is nonexistent, this implies that my money did not arrive at XXXX trading platform. This is essentially money laundering because the purpose and destination of the money I sent were kept hidden from me. As the sender, I realize that it is part of my responsibility to only send money to a trusted recipient in order to avoid money laundering. However, even more than mine, it is the responsibility and legal obligation of Huntington Bank to make sure that the transactions happening in its bank is free of money laundering and other financial crimes as part of its compliance with United States Bank Secrecy Act sometimes referred to as anti-money laundering act or AML act. Although Huntington Bank did ask me about the purpose of my transactions, which is trading, they did not continue to ask me about the name of the trading platform that I was dealing with. If they did, they would have known that I was dealing with XXXX XXXX and, using their extensive database and researching capabilities, they would have found out that this trading company is unlicensed to operate in the United States. Right then and there, Huntington Bank could have done something to stop my transfers. Due to this fact, I believe that Huntington Bank is partly liable for my financial loss because of its failure to protect my assets from being sent to fraudsters. Hence, I fully expect Huntington Banks cooperation and assistance regarding my concern. \nScam Story and Description On the XXXX of XX/XX/2023, I was approached on XXXX by a person calling herself XXXX XXXX. We messaged a few times on the platform. Eventually, our conversation transpired to XXXX at her request. This went on for months. Ultimately, she told me that she was an Economics graduate from XXXX University in the XXXX and was very wealthy. Supposedly, she had a very connected uncle named XXXX XXXX who resides in California. She also told me that founded a company called XXXX and invested in property in XXXX and USA. She coached me all the way through this process and said she was also making millions of dollars on this trading forum which is XXXX XXXX. She asked me to download XXXX on my XXXX. I checked the reviews of the application and at the time I did not see anything bad. She then taught me in demo mode how to open a position for trading gold futures and then close at the right time. And this is how the series of deposits began. Eventually, the amount of money that I deposited to XXXX reached XXXX USD, while my trading account balance reached XXXX USD. When I requested a withdrawal, they did not allow me. They told me that I need to pay a tax payment of XXXX USD in order to withdraw all of my accounts balance on XXXX. At this point, I already suspected that they were scamming me. I did not provide them with the tax payment since I found out that only banking institutions are allowed to ask for tax payments. They eventually XXXX my account on the platform. The fact that they were able to XXXX the balance on my XXXX trading account cements the reality that the numbers on the trading platform are purely manipulated by them. \nI have attached all of the relevant documents in the Appendices. I kindly request the enforcement of the Fraud Department of Huntington Bank to look into this matter. \n\nList of Wire Transfers to XXXX Below is the list of my wire transfers from my Huntington account to the bank account to XXXX. Huntington Bank should be able to confirm that the recipient of these wire transfers is the beneficiary bank of XXXX. Proof of these wire transfers is attached in the Appendices. \n- Transaction 1 Amount : XXXX USD Date : XX/XX/2023 Description : OUTGOING FEDWIRE TRANSFER - MANUAL - Transaction 2 Amount : XXXX USD Date : XX/XX/2023 Description : XXXX ACH PAYMENT XXXX XXXX - Transaction 3 Amount : XXXX USD Date : XX/XX/2023 Description : OUTGOING FEDWIRE TRANSFER MANUAL - Transaction 4 Amount : XXXX USD Date : XX/XX/2023 Description : OUTGOING FEDWIRE TRANSFER MANUAL TOTAL : XXXX USD Huntington Banks Responsibility as My Trusted Bank and Expected Resolution Huntington Bank is a member of the Federal Deposit Insurance Corporation ( FDIC ). FDIC is the primary federal regulator of banks that are chartered by the states that do not join the Federal Reserve System. In addition, the FDIC is the backup supervisor for the remaining insured banks and savings associations. FDIC serves both as an insurance organization as well as a regulator of its member banks. The FDIC examines its member banks for compliance with consumer protection laws. As such, as an FDIC member, I would expect Huntington Bank to follow the regulations set forth by the FDIC such as BSA/AML compliance program.\n\nPart 353 Suspicious Activity Reports of the Code of Federal Regulations, which can be accessed online here : XXXX XXXX  XXXX XXXX, states that an FDIC supervised institution must file a Suspicious Activity Report when it detects a known or suspected criminal violation of federal law or a suspicious transaction related to a money laundering activity or a violation of the Bank Secrecy Act. In Part 353.3 Reports and records, suspicious circumstances were listed : 1. Insider abuse involving any amount. \n2. Transactions aggregating XXXX USD or more where a suspect can be identified. \n3. Transactions aggregating XXXX USD or more regardless of potential suspects. \n4. Transactions aggregating XXXX USD or more that involved potential money laundering or violations of the Bank Secrecy Act. The following are suspicions for money laundering : a. The transaction involves funds derived from illegal activities or is intended or conducted in order to hide or disguise funds or assets derived from illegal activities ; b. The transaction is designed to evade any regulations promulgated under the Bank Secrecy Act ; or c. The transaction has no business or apparent lawful purpose or not the sort of transaction in which the particular customer would normally be expected to engage, and the FDIC-supervised institution knows of no reasonable explanation for the transaction after examining the available facts, including the background and possible purpose of the transaction. \nI would like to emphasize that my fraud-related transactions through Huntington Bank were exhibiting multiple money laundering indicators. Although Huntington Bank did ask me for the purpose of the wire transfers before allowing them to go through, they failed to ask me about the trading platform that I was dealing with. Hence, I hold Huntington Bank partly liable for my financial losses amounting to XXXX USD. As such, I fully expect Huntington Bank to assist me in recovering the money I lost by contacting the beneficiary bank of my wire transfers and to request for wire recalls. I believe that I have provided all the necessary documents that will support my story. \nI hope Huntington Bank stays true in its commitment in fighting against financial crimes such as money laundering, terrorism financing, and financial fraud. \nI hope to receive your response as soon as possible. \n\n\nXXXX XXXX from hunting responded on Dear XXXX XXXX, This letter is in response to your email received by our XXXX inbox on XX/XX/2023, regarding your checking account ending in XXXX held with The Huntington National Bank ( XXXX ). In addition, this is a follow up to our conversation on XX/XX/2023 ; it was a pleasure speaking with you. \n\nXXXX XXXX, I understand that this has been a very difficult time for you. I am deeply disappointed to hear of the circumstances you described. In your correspondence, you advised Huntington that you have been the unfortunate victim of a scam. On or about XX/XX/2023, you authorized multiple transactions in the total amount of {$160000.00} for the purpose of sending money to someone through outgoing wire transfers as well as XXXX ACH Payments. Once received in your XXXX  XXXX XXXX, you used those funds to purchase Crypto currency. Regretfully, after the funds were sent, you identified that the transaction was not legitimate. \n\nPlease be aware that funds sent as an outgoing wire and ACH transactions are often available to the receiving account owner immediately. Huntington does not have recourse on these funds since the transaction was initiated by you and sent to the intended recipient using the information you provided. Please know that Huntington does not recommend using this service to pay for goods or services and does not have the ability to stop money from being sent once the transaction has been authorized. \n\nIf you have not done so already, we recommend that you file a police report as well as an XXXX ( XXXX XXXX XXXX XXXX ) complaint. Huntington will respond to any information requests from law enforcement authorities relative to this matter. \n\nXXXX XXXX, I want you to have the highest level of confidence and security by providing you with information on how to protect yourself against scams, for more information please visit : XXXX XXXX XXXX. In addition, information on ways to avoid fraud scams can be found by visiting XXXX, we have included some of the common tips below, for your review. \n\n\nMember FDIC. and Huntington are federally registered service marks of Huntington Bancshares Incorporated. 2023 Know who youre dealing with. In any transaction you conduct, make sure to check with your state or local consumer protection agency and the XXXX XXXX XXXX ( XXXX ) to see if the seller, charity, company, or organization is credible. Be especially wary if the entity is unfamiliar to you. Always call the number found on a websites contact information to make sure the number legitimately belongs to the entity you are dealing with. \nPay the safest way. Credit cards are the safest way to pay for online purchases because you can dispute the charges if you never get the goods or services or if the offer was misrepresented. Federal law limits your liability to {$50.00} if someone makes unauthorized charges to your account, and most credit card issuers will remove them completely if you report the problem promptly. \nGuard your personal information. Crooks pretending to be from companies you do business with may call or send an email, claiming they need to verify your personal information. Dont provide your credit card or bank account number unless you are paying for something and know who you are sending payment to. Your social security number should not be necessary unless you are applying for credit. Be especially suspicious if someone claiming to be from a company with whom you have an account asks for information that the business already has. \nStay safe online. Dont send sensitive information such as credit card numbers by email because its not secure. Look for clues about security on Web sites. At the point where you are asked to provide your financial or other sensitive information, the letters at the beginning of the address bar at the top of the screen should change from http to https or shttp. Your browser may also show that the information is being encrypted, or scrambled, so no one who might intercept it can read it. But while your information may be safe in transmission, thats no guarantee that the company will store it securely. See what Web sites say about how your information is safeguarded in storage. \nBe cautious about unsolicited emails. They are often fraudulent. If you are familiar with the company or charity that sent you the email and you dont want to receive further messages, send a reply asking to be removed from the email list. However, responding to unknown senders may simply verify that yours is a working email address and result in even more unwanted messages from strangers. The best approach may simply be to delete the email. \nResist pressure. Legitimate companies and charities will be happy to give you time to make a decision. Its probably a scam if they demand that you act immediately or wont take No for an answer. Some scammers may also demand you pay off a loan immediately or damaging consequences may occur, always take time to look into who is requesting the money before you pay up. \nDont believe promises of easy money. If someone claims that you can earn money with little or no work, get a loan or credit card even if you have bad credit, or make money on an investment with little or no risk, its probably a scam. Oftentimes, offers that seem too good to be true, actually are too good to be true. \nFully understand the offer. A legitimate seller will give you all the details about the products or services, the total price, the delivery time, the refund and cancellation policies, and the terms of any warranty. Contact the seller if any of these details are missing, if they are unable to provide the details, it may be a sign that its a scam. \n\nXXXX XXXX, I appreciate the opportunity to address your concerns. If you have any questions or additional concerns you would like to discuss, please contact me at ( XXXX ) XXXX, or toll free at ( XXXX ) XXXX, request that a Customer Solution Center professional transfer you directly to me and I will be happy to assist you.\n\nI since have reached out for clarification with no response back in over 6o days now.","date_sent_to_company":"2023-09-11T20:35:21.000Z","issue":"Fraud or scam","sub_product":"Money order, traveler's check or cashier's check","zip_code":"55449","tags":null,"has_narrative":true,"complaint_id":"7532558","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2023-09-11T20:12:21.000Z","state":"MN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Dont provide your credit card or bank <em>account</em> number unless you are paying for something and know who you are sending payment to. Your <em>social</em> <em>security</em> number should not be necessary unless you are applying for credit. Be especially suspicious if someone claiming to be from a company with whom you have an <em>account</em> asks for information that the business already has. \nStay safe online. Dont send sensitive information such as credit card numbers by email because its not secure."],"sub_product":["Money order, traveler's <em>check</em> or cashier's <em>check</em>"]},"sort":[7.024104,"7532558"]},{"_index":"complaint-public-v1","_id":"6926616","_score":5.7689466,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida. XXXXXX/XX/2023\nRAS LaVrar, LLC\nXX/XX/FL XXXX  \nYour Reference XXXX XXXX  \nDear Debt Collector:\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by XXXX  mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by XXXX  every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by XXXX  mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The XXXX, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my XXXX  mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the XXXX  tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and XXXX  errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page Metro 2 Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire credit reports of XXXX XXXX dated XX/XX/2023 and XXXX datedXX/XX/2023 and the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the Metro 2 compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under Metro 2 to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an elderly senior citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even XXXX  attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX  years old XXXX XXXXXXXX and American with XXXX in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX XXXX totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the Metro 2 code XXXX into every account?  Do you even know what XXXX means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX XXXX bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator XXXXXXXX to gain nothing?  Do you think you can avoid my XXXX  XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of XXXXXXXX shall be sought against every violator, plus punitive damages.  Metro 2 is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including Metro 2, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by COVID-19 and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code Metro 2 except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully. If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent? More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under Metro 2. Why is data reported on Metro 2 but concealed from my paper credit reports? Why do my paper credit reports only contain a small portion of data reported by Metro 2 and contained in my credit file? How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers? How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the Metro 2 system. Again, I need every document, including every Metro 2 submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via Metro 2. Moreover, many of the Metro 2 data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data. Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or Metro 2 protocols and obligations. I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under Metro 2. Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day. Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory Metro 2 protocols have been compliant or violated. If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.\n\n Tell me when the creditor claims this debt became due and when it became delinquent.\n\n Identify the date of the last payment and amount made on this account.\n\n Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.\n\nDetails about your authority to collect this debt.\n\n I would like more information about your firm before I discuss (in writing, of course) the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name and previous names on the license, the license number, the valid status of the license and the name, address and telephone number of the state agency issuing the license.  Also provide me with any name currently and previously included as a debt collector for making CFPB complaints on its website.  \n\n If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.\n\nI have asked for this information because I have some questions. I need to hear from you in writing with all documentation requested herein to make an informed decision about your claim that I owe this money. I expect a one time written communication for this purpose but only in writing provided you fully address each and every item of requested data I seek.  In order to make sure that I am not put at any disadvantage, in the meantime please treat this purported debt as being in dispute in its entirety. Nothing contained in my letter should be construed in any way as an admission of any responsibility whatsoever for the purported claim.  Failure to respond in writing controverting my allegations and points shall be deemed your admission by your non response  and all conflicts shall be resolved in my favor. \n\nIn addition to providing the information requested above, please let me know whether you are prepared to pay me for statutory and punitive damages in an amount not less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will pay me to fully resolve the account with an exchange of mutual general releases which, of course, would require permanent deletion from every CRA file of any reported data, if any.\n\nIn addition to the Federal Fair Debt Collection Practices Act, the Florida Consumer Collection Practices Act prohibits harassment, false or misleading statements and unfair practices by collection agencies and debt collectors. Some violations of these acts are listed below:\n1. They threaten to tell your employer or neighbors about the debt;\n2. Threaten violence against you;\n3. Threaten to have you arrested;\n4. Communicate with you or your spouse more than three times a week;\n5. Harass, intimidate, threaten or embarrass you;\n6. Imply that documents sent to you are legal documents or government\ndocuments;\n7. Imply that you can be deported; or\n8. Solicit a postdated check in order to threaten criminal prosecution.\n\nThe CFPB and advocates recommend consumers to also check to see if their state licenses debt collectors and if the company that is contacting them is licensed. If a state does not license debt collectors, check the registry for a neighboring state. Some states also provide licensing information to the XXXX XXXX XXXX XXXX at XXXX. That website will thus provide a few more states where the debt collector might be licensed.  I purposely repeat myself to make it clear that I need to know complete details of what licenses you are required to have and what licenses you have.  \n\nThe CFPB and others recommend the Stop Contact or Cease Letter strategy to stop collection harassment by writing the collector a stop contact letter, also called a cease letter. Then the collector can only acknowledge the letter and notify the consumer about legal steps the collector may take. This protection usually only applies to collection agencies hired by the creditor or debt buyers that purchased debts from the creditor, but even creditors collecting their own debts must honor such requests as basic agency law requires creditors to be responsible for actions of the bill collector agents","date_sent_to_company":"2023-05-03T20:45:56.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"6926616","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"RAS LaVrar, LLC","date_received":"2023-05-03T20:33:40.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I also advise you that I am a XXXX  years old XXXX XXXXXXXX and American with XXXX in poor health and judgment proof and all my income is from EXEMPT sources such as federal <em>Social</em> <em>Security</em> benefits with my average balance in my <em>social</em> <em>security</em> <em>account</em> is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me."]},"sort":[5.7689466,"6926616"]},{"_index":"complaint-public-v1","_id":"4590889","_score":5.7688494,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Compilation of email correspondence with their service team. \nThey are in no chronological order. \n\n\n\nCase # XXXX - Case # XXXX Inbox Coinbase Support XXXX Mon, XX/XX/XXXX, XXXX XXXX  to me Hello, We havent heard back from you regarding this case. \n\nIf you still require assistance, please reply to this message. If you no longer need help, we will automatically resolve your case in 48 hours. \n\nThanks, Coinbase Support ref : XXXX : ref XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX  to Coinbase NO this isn't resolved. \n\nI did everything you have asked for. \n\ncompleted the verification process 3timesto unlock my account initially once set up my account and again this time based on your most recent request. \n\nHow come all the info was good before but now all of a side you think i'm a different person? \n\nPlease Advise when you will be allowing the full use of the features inthe platform. \n\nI need to withdraw and send my money and to this date no help. \n\nI mean it only took me like6 months for you to unlock my account. Should I expect another 6 months for you to allow me to send or withdraw my funds? \n\nTHis is beyond pathetic. \n\nPlease advise an eta on the completion of this issue. \n\nRegards. \n\nDissatisfied customer. \n-- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fri, XX/XX/XXXX, XXXX XXXX  to Coinbase FIX MY ACCOUNT!!! \n\nCase # XXXX - Case # XXXX Inbox Coinbase Support Thu, XX/XX/XXXX, XXXX XXXX  ( 22 hours ago ) Hello, We havent heard back from you regarding this case. If you still require assistance, please reply to this message. If you no longer need help, we will au XXXX  XXXX Thu, XX/XX/XXXX, XXXX XXXX ( 10 hours ago ) Hello Team As of now this issue still has yet to be resolved. AS OF NOW this is still an issue. I have sent images of my passport card, my ID, My drivers licens Coinbase Support XXXX XXXX ( 1 hour ago ) XXXX XXXX, Thank you for bearing with us while we review your case. In order to proceed with the verification, we will kindly ask you to sign in to Coinbase an XXXX  XXXX XXXX XXXX  ( 14 minutes ago ) THIS HAS BEEN DONE AGAIN!!!!!!!! AND AGAIN AND AGAIN!!!!!!!! WHAT IN THE WORLD IS GOING ON WITH YOU PEOPLE!!! I HAVE ALREADY DONE THIS 6 TIMES ONCE LAST NIGHT XXXX XXXX XXXX XXXX  ( 8 minutes ago ) ONCE AGAIN THIS IS DONE FOR THE 7TH TIME RELEASE MY FUNDS!!!! \n\nXXXX  XXXX XXXX XXXX ( 6 minutes ago ) RELEASE MY FUNDS AND ALLOW ME ACCESS TO ALL MY FEATURES IN THE PLATFORM!!! \n\nXXXX  XXXX XXXX XXXX  ( 3 minutes ago ) YOU ARE HAPPY TO INCREASE MY PURCHASE ABILITY BUT NOT ALLOW ME TO SEND MY OWN MONEY OUT!!! YOU ARE BEYOND A JOKE RELEASE MY FUNDS NOW!!!! \n\nA XXXX XXXX XXXX XXXX  ( 0 minutes ago ) to Coinbase FIX MY ACCOUNT ALREADY!!!! \n\nXXXX Reply Forward -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Case # XXXX - Case # XXXX Inbox Coinbase Support XXXX XX/XX/XXXX, XXXX XXXX to me Hello, Thanks for submitting your request to Coinbase Support. We're here to help and will be in touch as soon as possible. \n\nIn the meantime, you can find answers to many of your questions by visiting our Help Center. \n\nRegards, Coinbase Support ref : XXXX : ref XXXX XXXX XXXX XXXX Help Center | User Agreement and Privacy Policy Coinbase Support XXXX XX/XX/XXXX, XXXX XXXX  to me Hello XXXX XXXX, Thank you for contacting Coinbase Support.\n\nYour Coinbase account includes a wallet for each cryptocurrency we support. Only supported cryptocurrencies can be sent to Coinbase and they must be sent to the correct wallets using the supported blockchains, otherwise that crypto may be lost.\n\nIf you sent unsupported cryptocurrency to Coinbase or sent cryptocurrency to a wallet that isnt specifically for that cryptocurrency, we may soon be able to recover your funds. \n\nWe're developing a service to help recover some of these cryptocurrencies, which should roll out later this year. For information about this service, see our help article : https : //help.coinbase.com/en/coinbase/trading-and-funding/sending-or-receiving-cryptocurrency/unsupported-crypto-recovery Before sending crypto to Coinbase, be sure to check if it's supported by visiting our Supported Cryptocurrencies article : https : //help.coinbase.com/en/coinbase/getting-started/crypto-education/supported-cryptocurrencies Thanks, Coinbase Support ref : XXXX : ref XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  to Coinbase So you have answered nothing I still cant send or withdraw any funds from my accounts please answer why I cant send any monies out or withdraw any monies. You seriously think this a joke or what? \n\nBeyond subpar customer service you are offering. \n\nWarmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, Coinbase Support XXXX wrote : Coinbase Support XXXX XX/XX/XXXX, XXXX XXXX  to me Hello XXXX, Thank you for contacting Coinbase Support. \n\nAs part of our compliance program, we are required to periodically review accounts. It looks like your account is currently restricted because your profile is incomplete. \n\nPlease take a moment to complete or update the following : https : //www.coinbase.com/verifications/identity/customer_info Once the form is completed, we'll review the restrictions on your account. Please note that we wont be able to review the restrictions until that information is submitted. \n\nThank you for your time and understanding. \n\nRegards, Coinbase Support ref : XXXX : ref XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  to Coinbase I have filled the link There is nothing for me to complete. Ive gone through all the tabs I already submitted my ID / took pictures confirmed my banking information-several times. \n\nWhat part of my profile is incomplete? \nYou want me to add a picture of me? \n\nAgain your service is garbage give me access to my funds stop sending emails that are generic and dont provide any clarity as of what is needed. Because I already completed everything you ever asked for. As many times you have asked it for. This is ridiculous. \n\nWhy are you withholding my funds. Coin bases is beyond garbage. \n\nLet me withdraw my money in done with your service!!! \n\n\nWarmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, Coinbase Support XXXX wrote : Hello XXXX , Coinbase Support XXXX XX/XX/XXXX, XXXX XXXX to me Hello XXXX, There are a few reasons why your information may not be verified on your first attempt, and we have some tips that might help with the more common issues : 1. Make sure all of your information is spelled correctly and filled in the correct boxes 2. Put your full legal name as it appears on your ID ( if you included a middle name on your first attempt, try omitting it ) 3. If you have recently changed your address or made other recent changes in your identifying information, try to input your previous address or information We recommend you try the verification process several times with the above tips in mind by clicking on this link : https : //www.coinbase.com/verify-identity If you still cant pass this verification step, please let us know. Were happy to help. \n\nThanks, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  to Coinbase Hello Coinbase Team Once again I updated every single piece of information on the account and I still got nothing. How many other hoops do you want me to jump through? \n\nPlease advise when you are going to allow mw to send / Withdraw money from the account. \n\nThank you for your time. \n-- XXXX XXXX XXXX XXXX Coinbase Support XXXX XX/XX/XXXX, XXXX XXXX  to me Hi XXXX, Thank you for contacting Coinbase Support. \n\nIn order to proceed with the verification, we will kindly ask you to sign in to Coinbase and verify your information using a photo ID here : https : //www.coinbase.com/verify-document Please note, your ID must : -Include your name, date of birth, and address. \n-Must be valid. We are unable to accept expired documents, even if the expiration date has been extended beyond the date listed on the ID document. \n-Be government issued. \n\nIf youre having trouble completing verification, please try these troubleshooting tips : https : //help.coinbase.com/en/coinbase/getting-started/authentication-and-verification/identity-verification.html Please let us know once you've completed this, so we can proceed with the manual review. \n\nBest regards, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  to Coinbase I have done this 4 times!!! \nThis is beyond ridiculous. How many more forms of ID do you need to submit? \nOr is the 10th time the charm ... this is beyond frustrating..but you are happy to take more money? Your platform is a joke. It's unbelievable that it took me 6-8months to unloc\nk my account and now it seems like I have to wait another 6-8 months again to have access to my money.\n\nDo you expect me to change information every time I do it?\n\nWhat is this nonsense? Give me access to my accounts.\n\nOr should expect a 6-8 month turnaround or countless emails and countless referencing to case numbers you have failed to solve? \n\nout of all the platforms used. XXXX/Coinbase/XXXX/XXXX  Guess who is the worst one, the one with the worst custservice, the slowest response times. \n\nYou guessed it, IT'S COINBASE!!! \n\nBy far the worse platform of them all Coinbase Support XXXX XX/XX/XXXX, XXXX XXXX  to me Hi XXXX, Thank you for your response.\n\nIn order to complete your identity verification, we will need some more information. Please provide the following documents : 1. A copy of your SSN or ITIN 2. A full copy of a bank statement, electricity/water/internet bill or phone bill that shows your name and current residential address, dated within 30 days. \n\nUpload your documents through our secure SendSafely portal https : XXXX Please use the same email address that you used for this support case. Also, we recommend using a desktop browser ( XXXX XXXX works best ) rather than a mobile browser. Once we receive your documents, we'll review them and get back to you. \n\nRegards, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  to XXXX, Coinbase The documents requested have been submitted. \n\nI see what may be causing confusion. This Ticket Was created using my other email address instead of the one in the account. \nI have CC 'd myself on the email to have the thread on both accounts. \n\nI look forward to hearing back from you soon. \n\n\nXXXX Coinbase Support XXXX XX/XX/XXXX, XXXX XXXX to me Hi XXXX, Thank you for uploading the information.\n\nIn order to proceed with the verification, we will kindly ask you to sign in to Coinbase and verify your information using a photo ID here : https : //www.coinbase.com/verify-document Please note, your ID must : -Include your name, date of birth, and address. \n-Must be valid. We are unable to accept expired documents, even if the expiration date has been extended beyond the date listed on the ID document. \n-Be government issued. \n\nIf youre having trouble completing verification, please try these troubleshooting tips : https : //help.coinbase.com/en/coinbase/getting-started/authentication-and-verification/identity-verification.html Please let us know once you've completed this, so we can proceed with the manual review. \n\nBest regards, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  to Coinbase Wit what!?!!! \n\nAgain dude Ive done this way too many times Ive sent you bills Ive sent you images of 3 forms of ID / sate and federal. \n\nIve done this way too many times why in the world you still asking me to submit if one more time my ID is not going to change. \n\nWhats the purpose of this?!?! This is beyond annoying unnecessary and a display off poor customer service I will simply do this because Im tired of sending you emails requesting for you to release my funds. \n\nTired of your platform, tired of the lo g wait to get any help tired of your poor customer experitired of your lack of sense of urgency tired of you @ coinbase. \n\nI wish I would have never opened and put most of my money with you. I wish I could have not decided to use your platform. \n\nGet ready for the worse review in history across all your platforms android and apple. \n\nI will make it my purpose to post as much as I can letting people know how much of a scam you are I understand prospecting ppl privacy. I work in a bank always have all my life. But what you do is beyond anything.\n\nI will drive all the ppl o know to drop your platform and go to any of the other ones available. \n\nRELEASE MY ACCOUNTS NOW!!!! \n\nThis process has already been done tooo many times!!! \n\n\n\nWarmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, Coinbase Support XXXX wrote : Hi XXXX , Coinbase Support XXXX XX/XX/XXXX, XXXX XXXX to me Hi XXXX, Thank you for your response and we appreciate your patience while reviewing your case. \n\nIn order to proceed with the verification, we will kindly ask you to sign in to Coinbase and verify your information using a photo ID here : https : //www.coinbase.com/verify-document XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  to Coinbase FIX MY ACCOUNT!!!!! \n\nCase # XXXX - Case # XXXX Inbox Coinbase Support Thu, XX/XX/XXXX, XXXX XXXX  ( 22 hours ago ) Hello, We havent heard back from you regarding this case. If you still require assistance, please reply to this message. If you no longer need help, we will au XXXX  XXXX Thu, XX/XX/XXXX, XXXX XXXX  ( 10 hours ago ) Hello Team As of now this issue still has yet to be resolved. AS OF NOW this is still an issue. I have sent images of my passport card, my ID, My drivers licens Coinbase Support XXXX XXXX  ( 1 hour ago ) Hi XXXX, Thank you for bearing with us while we review your case. In order to proceed with the verification, we will kindly ask you to sign in to Coinbase an XXXX  XXXX XXXX XXXX  ( 14 minutes ago ) THIS HAS BEEN DONE AGAIN!!!!!!!! AND AGAIN AND AGAIN!!!!!!!! WHAT IN THE WORLD IS GOING ON WITH YOU PEOPLE!!! I HAVE ALREADY DONE THIS 6 TIMES ONCE LAST NIGHT XXXX  XXXX XXXX XXXX ( 8 minutes ago ) ONCE AGAIN THIS IS DONE FOR THE 7TH TIME RELEASE MY FUNDS!!!! \n\nA XXXX XXXX AM ( XXXX minutes ago ) RELEASE MY FUNDS AND ALLOW ME ACCESS TO ALL MY FEATURES IN THE PLATFORM!!! \n\nXXXX  XXXX XXXX XXXX  ( 3 minutes ago ) YOU ARE HAPPY TO INCREASE MY PURCHASE ABILITY BUT NOT ALLOW ME TO SEND MY OWN MONEY OUT!!! YOU ARE BEYOND A JOKE RELEASE MY FUNDS NOW!!!! \n\nXXXX  XXXX XXXX XXXX XXXX  ( 0 minutes ago ) to Coinbase FIX MY ACCOUNT ALREADY!!!! \n\nXXXX Reply Forward -- Regards. \n\nXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  to Coinbase HAVE YOU FIXED MY ACCOUNT FEATURES ALREADY? \n\nNEXT STEP A CFPB COMPLAINT YOU HAVE 24 HRS TO FIX MY ACCOUNT FEATURES BEFORE I SUBMIT MY COMPLAINT ALONG WITH ALL THE EMAIL INTERACTIONS WITH YOUR TEAM THIS IS BEYOND RIDICULOUS. \n\nFIX MY ACCOUNT FEATURES NOW AND ALLOW ME TO WITHDRAW MY MONEY!!! \n\n\nWarmest Regards Warmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, XXXX  XXXX XXXX wrote : FIX MY ACCOUNT!!!!! \n\n\nFIX MY ACCOUNT ALREADY!!!! \n\nXXXX Reply Forward Coinbase Support Thu, XX/XX/XXXX , XXXX XXXX to me Hi XXXX, XXXXhank you for using Coinbase and your patience while reviewing your case.\n\nIt appears you may be operating multiple Coinbase accounts ( XXXX ). For security purposes, we only permit the use of one account per person/business.\n\nTo continue using Coinbase, you'll need to close any \" extra '' accounts you've created. For user security and privacy, this must be done by the account owner. \n\nIn order to complete this process, login to the account you want to close and visit your \" Activity '' page : https : //www.coinbase.com/settings/account_activity. Scroll to the bottom of the page and use the \" Close Account '' button ( accounts must have a XXXX balance before they can be closed ). For additional assistance with the account closure process, please see : https : XXXX If you are unable to access your duplicate accounts and wish for help with the deletion, please reply back confirming the full email address of the account XXXX XXXX ) you wish us to delete on your behalf and authorise us to do so. \n\nThank you for your cooperation and understanding. \n\nRespectfully, XXXX  XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX to Coinbase Why do I still have no access to my accounts You need to fix this ASAP What is your problem!!! \n\nWarmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, XXXX  XXXX XXXX wrote : Wit what!?!!! \n\n\nXXXX  XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX to Coinbase What the XXXX!!!! \n\nOperating multiple account!?! You are insane I only have one show me proof I have multiple accounts!!!! \n\nYou people are simply not wanting to allow me access to my fund I told you one I used the incorrect email to send you the ticket because my page was defaulted to that email. \n\nThis is beyond annoying beyond stressful Your company is a freaking joke release my funds This was my last straw with yall Im making a CFPB complaint on you I dont manage multiple accounts I only have o e just one!!!!\n\nYou bunch of thiefs and liars show me where I have multiple accounts you thief 's I live paycheck to paycheck how the XXXX can I afford multiple accounts you people are beyond frustrating Warmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, XXXX  XXXX XXXX wrote : Why do I still have no access to my accounts XXXX  XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX  to Coinbase What the XXXX!!!! \n\nOperating multiple account!?! You are insane I only have one show me proof I have multiple accounts!!!!\n\nYou people are simply not wanting to allow me access to my fund I told you one I used the incorrect email to send you the ticket because my page was defaulted to that email. \n\nThis is beyond annoying beyond stressful Your company is a freaking joke release my funds This was my last straw with yall Im making a CFPB complaint on you I dont manage multiple accounts I only have o e just one!!!!\n\nYou bunch of thiefs and liars show me where I have multiple accounts you thief 's I live paycheck to paycheck how the XXXX can I afford multiple accounts you people are beyond frustrating Warmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, XXXX  XXXX XXXX wrote : Wit what!?!!! \n\n\nXXXX  XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX to Coinbase What the XXXX!!!! \n\nOperating multiple account!?! You are insane I only have one show me proof I have multiple accounts!!!!\n\nYou people are simply not wanting to allow me access to my fund I told you one I used the incorrect email to send you the ticket because my page was defaulted to that email.\n\nThis is beyond annoying beyond stressful Your company is a freaking joke release my funds This was my last straw with yall Im making a CFPB complaint on you I dont manage multiple accounts I only have o e just one!!!! \nYou bunch of thiefs and liars show me where I have multiple accounts you thief 's I live paycheck to paycheck how the XXXX can I afford multiple accounts you people are beyond frustrating Warmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, XXXX  XXXX XXXX wrote : Wit what!?!!! \n\n\nA XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX to Coinbase i dont have multiple accounts. \n\nI only use the XXXX Only have that account. \n\nWhat are you guys talking about? multiple accounts What am I supposed to be looking at? \n\nI am making a CFPB complaint and will copy and paste all the emails i sent o you to fix my account and you still l can not fix it image.png XXXX  XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX to Coinbase IF ANY FUNDS IN THE ACCOUNT LINKED TO XXXX TRANSFER TO XXXX ASSOCIATED TO XXXX THANK YOU PLEASE ADVISE WHAT'S NEXT XXXX A XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX  to Coinbase AFTER IF ANY FUNDS TRANSFERRED TO XXXX XXXX ACCOUNT. \n\nI AUTHORIZE TO CLOSE THE ACCOUNT ASSOCIATED WITH XXXX ONLY AFTER ANY FUNDS IN SAID ACCOUNT HAVE BEEN TRANSFERRED TO THE ABOVE MENTIONED ACCOUNT. ASI AM CURRENTLY VERIFYING THE ACCOUNT INFORMATION IN THAT END ALSO. \n\n\nA XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX to Coinbase Im ongoing the recovery process of the other account associated with XXXX I did not remember I had this account apologies I see the confusion now thank you for helping out Warmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, Coinbase Support XXXX wrote : Hi XXXX, XXXX  XXXX XXXX Fri, XX/XX/XXXX, XXXX XXXX  to Coinbase I have closed the account associated to XXXX XXXX  XXXX XXXX Please resume all the features in my actual account XXXX Please advice on eta Warmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, XXXX XXXX XXXX wrote : Why do I still have no access to my accounts A XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX  to Coinbase Whats going in with my case I still have no access to my funds Please provide an eta in the resolution for the same or do I really need to get the CFPB involved If no reply by end of week I will report you. \n\nThank you for your help Warmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, XXXX  XXXX XXXX wrote : Wit what!?!!! \n\n\nXXXX  XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX  ( 10 days ago ) to Coinbase Hey whats going on with this We closed the other account weeks ago. \n\nWhy is my account t still have a hold on my features on it. \n\nWhats your problem. \n\nToday is the day I file the CFPB complaint. Ive had it with you Dragging your feet to fix my account Ive been more than liniment Provided you more than reasonable time. \n\nYou are the worse. \n\nI will blast all of this in social media. \n\nGive me an eta on resolution to my case. \n\nWarmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, XXXX  XXXX XXXX wrote : Wit what!?!!! \n\n\nXXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  ( 10 days ago ) to Coinbase Hey whats going on with this We closed the other account weeks ago. \n\nWhy is my account t still have a hold on my features on it. \n\nWhats your problem. \n\nToday is the day I file the CFPB complaint. Ive had it with you Dragging your feet to fix my account Ive been more than liniment Provided you more than reasonable time. \n\nYou are the worse. \n\nI will blast all of this in social media. \n\nGive me an eta on resolution to my case. \n\nWarmest Regards XXXX XXXX On XX/XX/XXXX, at XXXX, XXXX XXXX XXXX wrote : Wit what!?!!! \n\n\n-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Coinbase Support : Please verify your email Inbox XXXX Thu, XX/XX/XXXX, XXXX XXXX  to me Verification code : XXXX Please enter the one time code above into the 6 digit verification field found in the support form, in order to complete your ticket submission. Once you submit the correct code, your ticket will be sent to a member of the Coinbase Support team. \n\nWe look forward to assisting you. \n\nRegards, Coinbase Support XXXX Coinbase www.coinbase.com | Help Center | User Agreement and Privacy Policy XXXX  XXXX XXXX Fri, XX/XX/XXXX, XXXX XXXX  to Coinbase FIX MY ACCOUNT!!!! \n\nCase # XXXX - Case # XXXX Inbox Coinbase Support Thu, XX/XX/XXXX, XXXX XXXX  ( 22 hours ago ) Hello, We havent heard back from you regarding this case. If you still require assistance, please reply to this message. If you no longer need help, we will au XXXX  XXXX Thu, XX/XX/XXXX, XXXX XXXX  ( 10 hours ago ) Hello Team As of now this issue still has yet to be resolved. AS OF NOW this is still an issue. I have sent images of my passport card, my ID, My drivers licens Coinbase Support XXXX XXXX ( 1 hour ago ) Hi XXXX, Thank you for bearing with us while we review your case. In order to proceed with the verification, we will kindly ask you to sign in to Coinbase an XXXX  XXXX XXXX XXXX  ( 14 minutes ago ) THIS HAS BEEN DONE AGAIN!!!!!!!! AND AGAIN AND AGAIN!!!!!!!! WHAT IN THE WORLD IS GOING ON WITH YOU PEOPLE!!! I HAVE ALREADY DONE THIS 6 TIMES ONCE LAST NIGHT XXXX  XXXX XXXX XXXX  ( 8 minutes ago ) ONCE AGAIN THIS IS DONE FOR THE 7TH TIME RELEASE MY FUNDS!!!! \n\nXXXX  XXXX XXXX XXXX  ( 6 minutes ago ) RELEASE MY FUNDS AND ALLOW ME ACCESS TO ALL MY FEATURES IN THE PLATFORM!!! \n\nXXXX   XXXX XXXX XXXX  ( 3 minutes ago ) YOU ARE HAPPY TO INCREASE MY PURCHASE ABILITY BUT NOT ALLOW ME TO SEND MY OWN MONEY OUT!!! YOU ARE BEYOND A JOKE RELEASE MY FUNDS NOW!!!! \n\nXXXX  XXXX XXXX XXXX XXXX  ( 0 minutes ago ) to Coinbase FIX MY ACCOUNT ALREADY!!!! \n\nimage.png Reply Forward -- Regards. \n\nXXXX XXXX XXXX XXXX  XXXX XXXX Fri, XX/XX/XXXX, XXXX XXXX  to Coinbase -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Case # XXXX - Case # XXXX Inbox Coinbase Support XXXX Thu, XX/XX/XXXX, XXXX XXXX to me Hello, We havent heard back from you regarding this case. \n\nIf you still require assistance, please reply to this message. If you no longer need help, we will automatically resolve your case in 48 hours. \n\nThanks, Coinbase Support ref : XXXX : ref XXXX  XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX  to Coinbase Hello Team As of now this issue still has yet to be resolved. \n\nAS OF NOW this is still an issue. \n\nI have sent images of my passport card, my ID, My drivers license, and my SSN card. \n\nI HAVE PROVED MY IDENTITY OVER AND OVER AGAIN TO PROVE BEYOND ANY REASONABLE DOUBT THAT I AM WHO I SAY I AM. \n\nPlease let me know what when you plan to allow me access to my funds as soon as possible. \n\nThank you for your help. \n\n-- XXXX XXXX XXXX XXXX Coinbase Support XXXX Fri, XX/XX/XXXX, XXXX XXXX  to me Hi XXXX, Thank you for bearing with us while we review your case. \n\nIn order to proceed with the verification, we will kindly ask you to sign in to Coinbase and verify your information using a photo ID here : https : //www.coinbase.com/verify-document Please note, your ID must : -Include your name, date of birth, and address. \n-Must be valid. We are unable to accept expired documents, even if the expiration date has been extended beyond the date listed on the ID document. \n-Be government issued. \n\nIf youre having trouble completing verification, please try these troubleshooting tips : https : //help.coinbase.com/en/coinbase/getting-started/authentication-and-verification/identity-verification.html Please let us know once you've completed this, so we can proceed with the manual review. \n\nBest regards, Coinbase Support ref : XXXX : ref XXXX  XXXX XXXX Fri, XX/XX/XXXX, XXXX XXXX  to Coinbase THIS HAS BEEN DONE AGAIN!!!!!!!! AND AGAIN AND AGAIN!!!!!!!! \n\nWHAT IN THE WORLD IS GOING ON WITH YOU PEOPLE!!! \n\nI HAVE ALREADY DONE THIS 6 TIMES ONCE LAST NIGHT AND DEFINETLYONCE IN THE LAST WEEK OR SO. \n\nMY ID WILL NOT CHANGE MY FACE WILL NOT CHAGE THE DATES AND DATA IN MYIDENTIFICATIONS WILL NOT CHANGE. \n\nTHIS IS BEYOND RIDICOULOUS. \n\nCOINBASE YOU ARE BY FAR THE WORSE CRYPTO CURRENCY PLATFORM EVER. \n\nTHIS ISNOT MY FIRST TIME HAVING ISSUES WITH YOU. IT TOOK ME ALMOST 6 MONTHS TO GAIN ACCESS TO MY OWN ACCOUNT AFTER I HAD CHANGED PHONE NUBERS. \n\nI AM COMPLETLY AND UTTERLY BAFFALED ABOUT THE POOR QUALITY OF SERVICE YOU PROVIDE. \n\nYOU CONTINUE TO SAY FOR PRIVACY REASONS. YOU CONTINUE TO APOLOGIZE.STOP IT!!!!! \n\nDO YOUR XXXX JOB AND RELEASEMY ACCOUNT HOLD!!!! \n\nI HAVE PROOVED MY SELF OVER AND OVER AGAIN!!!! \n\nANY FINANCIAL INSTITUTION WOULD HAVE TAKEN MY INFORMATIONAND LIFTED ANY HOLDS. \n\nWHAT ISYOUR PROBLEM!!!! \n\nYOUR REQUESTS ARE FARBEYOND ANYTHING IN THE DOTFRANK ACT PATRIOSTS ACT ORANY ACT THAT REUQIRES PROOF OF IDENTITY AGAINSMONEY LAUDER. \n\nI KNOW THISBECASUE IVE WORKEDINA XXXX YEARS IN DIFERENT LEVELS. \n\n\nCase # XXXX - Case # XXXX Inbox Coinbase Support Thu, XX/XX/XXXX, XXXX XXXX  Hello, Thanks for submitting your request to Coinbase Support. We're here to help and will be in touch as soon as possible. In the meantime, you can find answer Coinbase Support Thu, XX/XX/XXXX, XXXX AM Hello XXXX XXXX, Thank you for contacting Coinbase Support. Your Coinbase account includes a wallet for each cryptocurrency we support. Only supported cry XXXX  XXXX Thu, XX/XX/XXXX, XXXX XXXX  So you have answered nothing I still cant send or withdraw any funds from my accounts please answer why I cant send any monies out or withdraw any monies. You Coinbase Support Thu, XX/XX/XXXX, XXXX XXXX  Hello XXXX, As part of our compliance program, we are required to periodically review accounts. It looks like your account is currently restricted because yo XXXX  XXXX Thu, XX/XX/XXXX, XXXX XXXX  I have filled the link There is nothing for me to complete. Ive gone through all the tabs I already submitted my ID / took pictures confirmed my banking inform Coinbase Support Thu, XX/XX/XXXX, XXXX XXXX  Hello XXXX, There are a few reasons why your information may not be verified on your first attempt, and we have some tips that might help with the more commo XXXX  XXXX Thu, XX/XX/XXXX, XXXX XXXX  Hello Coinbase Team Once again I updated every single piece of information on the account and I still got nothing. How many other hoops do you want me to jump t Coinbase Support Fri, XX/XX/XXXX, XXXX XXXX  Hi XXXX, In order to proceed with the verification, we will kindly ask you to sign in to Coinbase and verify your information using a photo ID here : https : XXXX XXXX  XXXX Tue, XX/XX/XXXX, XXXX XXXX ( 10 days ago ) I have done this 4 times!!! This is beyond ridiculous. How many more forms of ID do you need to submit? Or is the 10th time the charm ... this is beyond frustr Coinbase Support Wed, XX/XX/XXXX, XXXX XXXX  ( 9 days ago ) Hi XXXX, Thank you for your response. In order to complete your identity verification, we will need some more information. Please provide the following docum XXXX XXXX XXXX XXXX","date_sent_to_company":"2021-07-31T06:39:36.000Z","issue":"Other service problem","sub_product":"Virtual currency","zip_code":"90059","tags":"Servicemember","has_narrative":true,"complaint_id":"4590889","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2021-07-31T06:19:05.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["It appears you may be operating multiple Coinbase <em>accounts</em> ( XXXX ). For <em>security</em> purposes, we only permit the use of one <em>account</em> per person/business.\n\nTo continue using Coinbase, you'll need to close any \" extra '' <em>accounts</em> you've created. For user <em>security</em> and privacy, this must be done by the <em>account</em> owner. \n\nIn order to complete this process, login to the <em>account</em> you want to close and visit your \" Activity '' page : https : //www.coinbase.com/settings/<em>account</em>_activity."],"issue":["Other service <em>problem</em>"]},"sort":[5.7688494,"4590889"]},{"_index":"complaint-public-v1","_id":"6944199","_score":5.75427,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX\n\nXX/XX/XXXX\n\nXXXX XXXX, XXXX.\nFormerly known as Patrick A. Carey, P.A.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX\n\nYour Reference File # XXXX\n\nDear Debt Collector:\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XX/XX/XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire credit reports of XXXX XXXX  dated XX/XX/ and XXXX dated XX/XX/XXXXand the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under MXXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XX/XX/XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX XXXX citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX XXXX XXXX XXXX male and American XXXX XXXX in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX XXXX XXXX relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of XXXX shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX  and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX  system.  Again, I need every document, including every XXXX XXXX  submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX. Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX  protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth XXXX in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding XXXX?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX  protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.\n\n Tell me when the creditor claims this debt became due and when it became delinquent.\n\n Identify the date of the last payment and amount made on this account.\n\n Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.\n\nDetails about your authority to collect this debt.\n\n I would like more information about your firm before I discuss (in writing, of course) the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name and previous names on the license, the license number, the valid status of the license and the name, address and telephone number of the state agency issuing the license.  Also provide me with any name currently and previously included as a debt collector for making CFPB complaints on its website.  \n\n If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.\n\nI have asked for this information because I have some questions. I need to hear from you in writing with all documentation requested herein to make an informed decision about your claim that I owe this money. I expect a one time written communication for this purpose but only in writing provided you fully address each and every item of requested data I seek.  In order to make sure that I am not put at any disadvantage, in the meantime please treat this purported debt as being in dispute in its entirety. Nothing contained in my letter should be construed in any way as an admission of any responsibility whatsoever for the purported claim.  Failure to respond in writing controverting my allegations and points shall be deemed your admission by your non response  and all conflicts shall be resolved in my favor. \n\nIn addition to providing the information requested above, please let me know whether you are prepared to pay me for statutory and punitive damages in an amount not less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will pay me to fully resolve the account with an exchange of mutual general releases which, of course, would require permanent deletion from every CRA file of any reported data, if any.\n\nIn addition to the Federal Fair Debt Collection Practices Act, the Florida Consumer Collection Practices Act prohibits harassment, false or misleading statements and unfair practices by collection agencies and debt collectors. Some violations of these acts are listed below:\n1. They threaten to tell your employer or neighbors about the debt;\n2. Threaten violence against you;\n3. Threaten to have you arrested;\n4. Communicate with you or your spouse more than three times a week;\n5. Harass, intimidate, threaten or embarrass you;\n6. Imply that documents sent to you are legal documents or government\ndocuments;\n7. Imply that you can be deported; or\n8. Solicit a postdated check in order to threaten criminal prosecution.\n\nThe CFPB and advocates recommend consumers to also check to see if their state licenses debt collectors and if the company that is contacting them is licensed. If a state does not license debt collectors, check the registry for a neighboring state. Some states also provide licensing information to the Nationwide Multistate Licensing System at XXXX. That website will thus provide a few more states where the debt collector might be licensed.  I purposely repeat myself to make it clear that I need to know complete details of what licenses you are required to have and what licenses you have.  \n\nThe CFPB and others recommend the Stop Contact or Cease Letter strategy to stop collection harassment by writing the collector a stop contact letter, also called a cease letter. Then the collector can only acknowledge the letter and notify the consumer about legal steps the collector may take. This protection usually only applies to collection agencies hired by the creditor or debt buyers that purchased debts from the creditor, but even creditors collecting their own debts must honor such requests as basic agency law requires creditors to be respons","date_sent_to_company":"2023-05-05T12:40:18.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"6944199","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PATRICK A. CAREY, P.A.","date_received":"2023-05-05T12:30:21.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I also advise you that I am a XXXX XXXX XXXX XXXX male and American XXXX XXXX in poor health and judgment proof and all my income is from EXEMPT sources such as federal <em>Social</em> <em>Security</em> benefits with my average balance in my <em>social</em> <em>security</em> <em>account</em> is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me."]},"sort":[5.75427,"6944199"]},{"_index":"complaint-public-v1","_id":"7476099","_score":5.4325347,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hayt, Hayt XXXX Landau, P.LXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX\n\nReference HHL File # XXXX (6 files)\nReceived on XXXX XXXX, XXXX\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX and the clocks were striking thirteen, XXXX XXXX, XXXX  at 1 (XXXX). In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX XXXX District of Florida, in case # XXXXXXXX wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX  dystopian novel XXXX, the book that introduced the world to the concept of XXXX XXXX.  Judge XXXX  OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX  The 1XXXX thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the 1XXXX  world of XXXX XXXX, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant Orwellian XXXX  quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to 0 on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying Senior Citizen on Social Security with a ZERO (0) credit score???  Judge Walker needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be XXXX!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of Trans Union dateXXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to ZERO on XXXXXXXX based on my XXXX/XXXX XXXXXXXX credit report due to XXXX, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to ZERO for a sinister purpose. XXXX XXXX IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In September 2022, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an elderly senior citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX  years old elder male and XXXX with XXXX in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and XXXX XXXX Moreover, last year I have been affected by XXXX XXXX XXXX a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX  code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX XXXX bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of XXXX shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes XXXX  any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX. Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX  protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.\n\n Tell me when the creditor claims this debt became due and when it became delinquent.\n\n Identify the date of the last payment and amount made on this account.\n\n Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.\n\nDetails about your authority to collect this debt.","date_sent_to_company":"2023-08-31T08:52:05.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7476099","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Hayt Hayt & Landau, P.L. (FL)","date_received":"2023-08-31T08:42:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I also advise you that I am a XXXX  years old elder male and XXXX with XXXX in poor health and judgment proof and all my income is from EXEMPT sources such as federal <em>Social</em> <em>Security</em> benefits with my average balance in my <em>social</em> <em>security</em> <em>account</em> is below my monthly SS deposit and never more than 2 times my monthly deposit."]},"sort":[5.4325347,"7476099"]},{"_index":"complaint-public-v1","_id":"8189166","_score":5.424728,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  \nXXXX XXXX XXXX XXXX XXXX  (ref XXXX)\nXXXX XXXX XXXX XXXX, SC XXXX  \nCrown Asset Management,LLC\n\nXXXXXXXX XXXX XXXX (Acct # XXXX XXXX)\n\nProposed 3 Arbitration cases with XXXX  and/or XXXX  \n(Case 1) XXXX XXXX XXXX XXXX XXXX\n\n(Case 2) XXXX XXXX XXXX Crown Asset Management, LLC \n(Case 3) XXXX XXXX XXXX Crown Asset Management, LLC Claimants unilateral right and election for a separate THREE-ARBITRATOR panel and tribunal  for every XXXX  case due to the normal mandatory default for complex claims exceeding $XXXX with the 3 Arbitrator panel selected exclusively by Claimant\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking XXXX, XXXX XXXX XXXX XXXX XXXX (XXXX). In this case, Defendants argument is like the XXXX  chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX XXXX XXXX XXXX  Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXXXXXX XXXX XXXX XXXX XXXX, the book that introduced the world to the concept of XXXX XXXX. XXXX XXXX OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX.  The XXXX XXXX strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX  world of XXXX XXXX, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX  writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX XXXX  quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX  on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof XXXX  XXXX XXXX  Citizen on Social Security with a XXXX  (XXXX) credit score???  XXXX XXXX needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX  Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX dated XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX  compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX  and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX based on my XXXX XXXX credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to XXXX for a sinister purpose. XXXX XXXX  IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXXXXXX XXXXXXXX I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX XXXX XXXX? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX years XXXXXXXX XXXX XXXX and XXXX XXXX XXXX  in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX  points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX code XXXX  into every account?  Do you even know what XXXX  means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXXXXXX XXXX bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my XXXX XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  XXXX XXXX  is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXXXXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $XXXX+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $XXXX+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreem","date_sent_to_company":"2024-01-19T16:35:42.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"8189166","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Crown Asset Management, LLC, Duluth, GA Branch","date_received":"2024-01-19T16:35:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I also advise you that I am a XXXX years XXXXXXXX XXXX XXXX and XXXX XXXX XXXX  in poor health and judgment proof and all my income is from EXEMPT sources such as federal <em>Social</em> <em>Security</em> benefits with my average balance in my <em>social</em> <em>security</em> <em>account</em> is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me."]},"sort":[5.424728,"8189166"]},{"_index":"complaint-public-v1","_id":"7625065","_score":5.4205537,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nReference: XXXX  Synchrony Bank XXXX  Reference: XXXX  Synchrony Bank XXXX  Reference: XXXX  Synchrony Bank XXXX  \nSynchrony Bank, Legal Operations\nAttention: Arbitration Demand XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nRe: American Arbitration Association consumer demands for arbitration case filings filed 9/17/2023 styled: Thomas Schultz versus Synchrony Bank awaiting filing fee payments billed for $600 for each case from Synchrony Bank as consumer AAA filing fees satisfied/paid \n\nDear Debt Collector:\n\nIt was a bright cold day in April, and the clocks were striking thirteen, XXXX XXXX XXXX at 1 (1961). In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge Mark E. Walker, Northern District of Florida, in case # 4:22-cv-00324-MW-MAF, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of George Orwells dystopian novel 1984, the book that introduced the world to the concept of BIG BROTHER.  Judge Walkers OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed 11/17/2022.  The 1984 thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the 1984 world of BIG BROTHER, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel 1984 writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant Orwellian 1984 quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian 1984 Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to 0 on May 14, 2023 based on my Equifax credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying Senior Citizen on Social Security with a ZERO (0) credit score???  Judge Walker needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent March 2023 CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page Metro 2 Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of Trans Union dated August 3, 2023 and Experian August 12, 2023 and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the Metro 2 compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under Metro 2 to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my TransUnion and Experian credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to ZERO on 5/14/2023 based on my 5/14/2023 Equifax credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via Metro 2 and other data submissions to purposely damage my credit score to ZERO for a sinister purpose. BIG BROTHER IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In September 2022, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an elderly senior citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a 74 years old elder male and American with Disabilities in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by 200 points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the Metro 2 code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal Chapter 7 bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  Metro 2 is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including Metro 2, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by COVID-19 and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code Metro 2 except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under Metro 2.  Why is data reported on Metro 2 but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by Metro 2 and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the Metro 2 system.  Again, I need every document, including every Metro 2 submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via Metro 2. Moreover, many of the Metro 2 data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or Metro 2 protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under Metro 2.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  Metro 2 protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In ad","date_sent_to_company":"2023-10-01T14:38:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7625065","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-10-01T14:10:14.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I also advise you that I am a 74 years old elder male and American with Disabilities in poor health and judgment proof and all my income is from EXEMPT sources such as federal <em>Social</em> <em>Security</em> benefits with my average balance in my <em>social</em> <em>security</em> <em>account</em> is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me."]},"sort":[5.4205537,"7625065"]},{"_index":"complaint-public-v1","_id":"7588805","_score":5.4114857,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida. XXXX XXXX XXXX XXXX Pollack & RosenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX  \nReference # XXXX  back-dated attached XXXX XXXX XXXX. Notice of XXXX but mailed about XXXX and delivered XXXX and received XXXX\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking XXXX, XXXX XXXX XXXX at 1 (XXXX). In this case, Defendants argument is like the XXXX  chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX, XXXX  District of Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX  XXXX XXXX XXXX, the book that introduced the world to the concept of XXXX XXXX.  Judge XXXX  OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX.  The XXXX  XXXX  strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX  world of XXXX XXXX, the clocks striking XXXX  is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX  writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX XXXX quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX  on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof XXXX  dying XXXX  Citizen on Social Security with a XXXX  (XXXX) credit score???  Judge XXXX  needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX  Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX dated XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX  and XXXX  credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX based on my XXXX XXXX  credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to XXXX  for a sinister purpose. XXXX XXXX IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX  XXXX  citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX years old XXXX  male and American XXXX XXXX XXXX XXXX XXXX and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX code XXXX  into every account?  Do you even know what XXXX  means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX  7 bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $XXXX shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX  submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX. Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $XXXX+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $XXXX+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.\n\n Tell me when the creditor claims this debt became due and when it became delinquent.\n\n Identify the date of the last payment and amount made on this account.\n\n Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires","date_sent_to_company":"2023-09-22T11:30:06.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7588805","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Pollack & Rosen, P.A.","date_received":"2023-09-22T11:22:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I also advise you that I am a XXXX years old XXXX  male and American XXXX XXXX XXXX XXXX XXXX and judgment proof and all my income is from EXEMPT sources such as federal <em>Social</em> <em>Security</em> benefits with my average balance in my <em>social</em> <em>security</em> <em>account</em> is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me."]},"sort":[5.4114857,"7588805"]},{"_index":"complaint-public-v1","_id":"7535422","_score":5.4114857,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida. XXXX  \nXXXX XXXX, XXXX  \nRAS LaVrar, LLC\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX  \nReference # XXXX  & XXXX  dated XXXX XXXX XXXX & XXXX  Received on XXXX XXXX, XXXX  \nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking XXXX, XXXX  XXXX, XXXX  at XXXX  (XXXX). In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX, XXXX District of Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX XXXX XXXX XXXX, the book that introduced the world to the concept of BIG BROTHER.  Judge XXXX  OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXXXXXX.  The XXXX  XXXX  strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX  world of BIG BROTHER, the clocks striking XXXX  is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX  writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX  XXXX  quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX  on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying XXXX  Citizen on Social Security with a XXXX  (XXXX) credit score???  Judge Walker needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be XXXX!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX dated XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX  and XXXX  credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX based on my XXXX XXXX credit report due to XXXX, XXXX, XXXX, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to XXXX  for a sinister purpose. BIG BROTHER IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX  XXXX citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX  years old XXXX  male and XXXX XXXX XXXXXXXX  in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX  points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX  code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX  7 bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $XXXX  to gain nothing?  Do you think you can avoid my XXXX XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $XXXX  shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX  Moreover, many of the XXXX XXXX  data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $XXXX+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $XXXX+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory XXXX XXXX protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.\n\n Tell me when the creditor claims this debt became due and when it became delinquent.\n\n Identify the date of the last payment and amount made on this account.\n\n Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.\n\nDetails a","date_sent_to_company":"2023-09-12T11:16:45.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7535422","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RAS LaVrar, LLC","date_received":"2023-09-12T11:08:32.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I also advise you that I am a XXXX  years old XXXX  male and XXXX XXXX XXXXXXXX  in poor health and judgment proof and all my income is from EXEMPT sources such as federal <em>Social</em> <em>Security</em> benefits with my average balance in my <em>social</em> <em>security</em> <em>account</em> is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me."]},"sort":[5.4114857,"7535422"]},{"_index":"complaint-public-v1","_id":"8189093","_score":5.4106636,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida. XXXX XXXX XXXX XXXX XXXX XXXX (ref XXXX)\nXXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX (Acct # XXXX XXXX)\n\nProposed 3 Arbitration cases with XXXX  and/or XXXX  \n(Case 1) XXXX XXXX XXXX XXXX XXXX  \n(Case 2) XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n(Case 3) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \n\nClaimants unilateral right and election for a separate THREE-ARBITRATOR panel and tribunal  for every XXXX  case due to the normal mandatory default for complex claims exceeding $XXXX with the 3 Arbitrator panel selected exclusively by Claimant\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking thirteen, XXXX XXXX XXXX XXXX XXXX XXXX. In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX XXXX XXXX XXXX  Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX XXXX XXXX XXXX, the book that introduced the world to the concept of XXXX XXXX  XXXX XXXX XXXX XXXX sets the stage of exactly what to expect in his XXXXXXXX XXXX XXXX decision in his Order on Motions for Preliminary Injunctions filed XXXXXXXX.  The 1984 thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX world of XXXX XXXX, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the XXXX XXXX writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX XXXX quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the XXXX XXXX Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying XXXX  Citizen on Social Security with a XXXX  (XXXX) credit score???  XXXX XXXX XXXX XXXX XXXX to address the obvious.  Your appropriate response requires many many many more than XXXX  pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be XXXX!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX  CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX  Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX  compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX  and XXXX  credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX based on my XXXX XXXX  credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to XXXX  for a sinister purpose. XXXX XXXX IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an elderly senior citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX XXXX XXXX elder male and American with Disabilities in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX  points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX  7 bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $XXXX to gain nothing?  Do you think you can avoid my XXXX XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently XXXX  in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  Metro 2 is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX  and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX. Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have XXXX  liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX  protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreem","date_sent_to_company":"2024-01-19T16:35:31.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"8189093","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"InvestiNet LLC","date_received":"2024-01-19T16:24:05.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I also advise you that I am a XXXX XXXX XXXX elder male and American with Disabilities in poor health and judgment proof and all my income is from EXEMPT sources such as federal <em>Social</em> <em>Security</em> benefits with my average balance in my <em>social</em> <em>security</em> <em>account</em> is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me."]},"sort":[5.4106636,"8189093"]},{"_index":"complaint-public-v1","_id":"8181882","_score":5.4106636,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n\nClaimants unilateral right and election for a separate THREE-ARBITRATOR panel and tribunal  for every XXXX case due to the normal mandatory default for complex claims exceeding XXXXXXXX  with the 3 Arbitrator panel selected exclusively by Claimant\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking XXXX, XXXX XXXX XXXX at 1 (XXXX). In this case, Defendants argument is like the XXXX  chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, in case XXXX XXXX wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX XXXX XXXX XXXXXXXX, the book that introduced the world to the concept of XXXX XXXX.  Judge XXXX  OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXXXXXX.  The XXXX XXXX strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX  world of XXXX XXXX, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the XXXX XXXX writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX  XXXX  quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as XXXX XXXX XXXX XXXX XXXX, but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX  on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying XXXX  XXXX  on Social Security with a XXXX  (XXXX) credit score???  Judge XXXX  needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be XXXX!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least XXXX consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page Metro 2 Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of Trans Union dated XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the Metro 2 compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under Metro 2 to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my TransUnion and XXXX  credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX  based on my XXXXXXXX XXXX  credit report due to XXXX, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via Metro 2 and other data submissions to purposely damage my credit score to XXXX  for a sinister purpose. XXXX XXXX IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX XXXX XXXX I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX  points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the Metro 2 code XXXX into every account?  Do you even know what XXXX  means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXXXXXX XXXX XXXX relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator XXXXXXXX  to gain nothing?  Do you think you can avoid my XXXX XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of XXXX   shall be sought against every violator, plus punitive damages.  Metro 2 is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including Metro 2, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by COVID-19 and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code Metro 2 except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under Metro 2.  Why is data reported on Metro 2 but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by Metro 2 and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the Metro 2 system.  Again, I need every document, including every Metro 2 submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via Metro 2. Moreover, many of the Metro 2 data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires XXXX XXXX XXXX XXXX to handle CFPB disputes without any knowledge of the FCRA or Metro 2 protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under Metro 2.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth XXXX XXXX attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding XXXXXXXX+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have XXXX  liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  Metro 2 protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreem","date_sent_to_company":"2024-01-19T16:53:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"8181882","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-01-19T16:52:55.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I also advise you that I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and judgment proof and all my income is from EXEMPT sources such as federal <em>Social</em> <em>Security</em> benefits with my average balance in my <em>social</em> <em>security</em> <em>account</em> is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me."],"sub_issue":["<em>Account</em> information incorrect"]},"sort":[5.4106636,"8181882"]},{"_index":"complaint-public-v1","_id":"7598442","_score":5.4081807,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX\n\nReference # XXXXXXXX XXXX XXXX XXXX undated notice/letter\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX and the clocks were striking thirteen, XXXX XXXX XXXX XXXX XXXX XXXX In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX dystopian novel XXXX the book that introduced the world to the concept of XXXX XXXX XXXX XXXX  OPENING LINE sets the stage of exactly what to expect in his XXXX  page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX.  The XXXX  thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX world of XXXX XXXX the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX  writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX XXXX quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score was impossibly reduced on my XXXX credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof XXXX dying XXXX  year old XXXX XXXX on Social Security whose bills were required to be paid by my Medicare and other insurance???  Since it is alleged you received $XXXX obviously that is enough and you must cease and desist communication and rebill insurance if your non-profit client is so desperate that it gives illegal aliens a free ride yet over bills US citizen XXXX  with insurance required to pay 100%. Why would I or anyone ever go back to Orlando Health???  Are they insane???  Is a fee of maybe $XXXX worth your time when you cannot report any nonpayment under $600 on my credit report? Do you plan to willfully violate the FCRA and FDCPA so I can obtain statutory damages of $XXXX per violation plus XXXX fold punitive damages per XXXX XXXX XXXX XXXX Do you want the CFPB and other regulators to come after you and your clients for fraudulent and deceptive practices? At a minimum, I demand every detailed document that exists including videos, regarding the alleged procedure including agreements, charges and notes by service providers.  Everything.  In XXXX XXXX Congress passed the NO SURPRISES ACT (NSA) which you and your client have willfully violated.  The NSA established rules outlining the need for providers to establish an independent dispute resolution process which prohibits your attempt to coerce me into paying bills that are more than what is actually owed. Obviously, you and your client have violated the obligations  imposed by the FDCPA with regard to interactions with health laws and regulations.  The CFPB issued a XXXX bulletin reminding debt collectors that attempting to collect a debt from a charge that exceeds the amount permitted by the NSA would violate the FDCPA.  Health care providers that generate an invoice that violated the NSA would also be held liable for the actions of debt collectors acting on other behalf.  Debt collectors and their clients would also willfully violate the FCRA if they report that a consumer must pay a debt from a charge that exceeds the amount permitted by the NSA.  Judge Walker needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, which I demand a copy of any agreement, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I will make as many CFPB complaints regarding FCRA and other violations needed to stop you and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX  Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX  dated XXXX XXXX XXXX  and XXXX August 12, 2023 and  the account number referenced in your letter is not included in my credit reports, so be warned about your obligations under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced due to XXXX, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score for a sinister purpose. XXXX XXXX  IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe any account with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX XXXX citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX  years old XXXX  female and American with XXXX  in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, XXXX a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by 200 points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX  code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX XXXX  bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $XXXX  to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX  Why is data reported on XXXX XXXX  but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX  system.  Again, I need every document, including every XXXX XXXX  submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX  protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX  protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of F","date_sent_to_company":"2023-09-24T15:03:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"32836","tags":null,"has_narrative":true,"complaint_id":"7598442","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Receivables Management Partners, LLC","date_received":"2023-09-24T14:48:15.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I also advise you that I am a XXXX  years old XXXX  female and American with XXXX  in poor health and judgment proof and all my income is from EXEMPT sources such as federal <em>Social</em> <em>Security</em> benefits with my average balance in my <em>social</em> <em>security</em> <em>account</em> is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me."]},"sort":[5.4081807,"7598442"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":24,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":24}]}},"product":{"doc_count":24,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":10,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":8},{"key":"Medical debt","doc_count":1},{"key":"Other debt","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2},{"key":"Other personal consumer 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