{"took":598,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":56,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2309471","_score":27.077145,"_source":{"product":"Credit reporting","complaint_what_happened":"EXPERIAN CURRENTLY HAS THE FOLLOWING ACCOUNTS ON MY REPORT- PREVENTING ME FROM BUYING A HOME XXXX XX/XX/XXXX {$400.00} {$400.00} XXXX XX/XX/XXXX {$260.00} {$260.00} XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX, XXXX {$500.00} {$500.00} On XXXX XXXX, XXXX the UNITED STATES congress passed House Joint Resolution 192 which served as a declaration of bankruptcy. Congress declared in HJR 192 that demanding payments in Gold ( constitutional money ) or in any particular form would now be against public policy. At the same time XXXX issued executive order 6102 forbidding the hoarding of gold coins, gold bullion and certificates. With this executive order XXXX ordered that most of the gold in circulation be turned in to Federal Reserve Banks across the nation under the threat of fines and 10 years imprisonment.What the leaders at the time failed to disclose was, that with the confiscation of all gold ( money ) and property, that made all Americans ( Spelled in Proper case ) CREDITORS to the U.S. bankruptcy. Because of the passage of HJR 192 it was now illegal for Americans to pay for anything. Gold was traded for Federal Reserve notes of indebtedness which made paying for anything impossible as notes of debt do not pay for anything but delay the payment until a later date. What the government offered instead of gold was CREDIT, but they offered it to the banks, not the people.The Passage of HJR 192. JOINT RESOLUTION TO SUSPEND THE GOLD STANDARD AND ABROGATE THE GOLD CLAUSE.XX/XX/XXXX H.J.192 73rd Cong. 1st Session Joint resolution to assure uniform value to the coins and currencies of the United States. \nWhereas the holding of or dealing in gold affect the public interest, and therefore subject to proper regulation and restriction ; and Whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency of the United States, or in an amount of money of the United States measured thereby, obstruct the power of the Congress to regulate the value of money of the United States, and are inconsistent with the declared policy of the Congress to maintain at all times the equal power of every dollar, coined or issued by the United States, in the markets and in payment of debts. \nNow, therefore, be it Resolved by the Senate and House of Representatives of the United States of America in Congress assembled. That ( a ) every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount of money of the United States measured thereby, is declared to be against public policy ; and no such provision contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provisions is contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any such coin or currency which at the time is legal tender for public and private debts. Any such provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed, but the repeal of any such provision shall not invalidate any other provision or authority contained in such law. ( b ) As used in the resolution, the term \" obligation '' means an obligation ( including every obligation of and to the United States, excepting currency ) payable in money of the United States ; and the term \" coin or currency '' means coin or currency of the United States, including Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations. SEC. 2. The last sentence of paragraph ( 1 ) of subsection ( b ) of section 43 of the Act entitled \" An Act to relieve the existing national economy","date_sent_to_company":"2017-02-01T13:52:50.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"32210","tags":null,"has_narrative":true,"complaint_id":"2309471","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-01-25T20:57:11.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status"},"highlight":{"complaint_what_happened":["EXPERIAN CURRENTLY HAS THE FOLLOWING ACCOUNTS ON MY REPORT- PREVENTING ME FROM BUYING A HOME XXXX XX/XX/XXXX {$400.00} {$400.00} XXXX XX/XX/XXXX {$260.00} {$260.00} XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX, XXXX {$500.00} {$500.00} On XXXX XXXX, XXXX the <em>UNITED</em> <em>STATES</em> congress passed <em>House</em> <em>Joint</em> Resolution 192 which served as a declaration of <em>bankruptcy</em>."]},"sort":[27.077145,"2309471"]},{"_index":"complaint-public-v1","_id":"8802275","_score":20.488909,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In XXXX I, without a doubt, made it clear I did not consent to any proceedings. Their offer was not accepted, and I did not consent to being XXXX for their case, No state legislative or executive or judicial officer can wear against the constitution without bailing their undertaken to support it XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX emotion of dismissal of administrative proceeding with prejudice was filed and sent to the Attorney General XXXX XXXX XXXX \n\nOn XX/XX/XXXX document COL Violation warning, denial of rights under color of law 18 US C2 4218 USC two 45,42, USA 1983 was delivered to the Attorney General XXXX XXXX XXXX  in XXXX, XXXX  XXXX XXXX XXXX XXXX. As well as filed into the case. On XX/XX/XXXX notice/order to show cause and prove jurisdiction, affidavit of special appearance and lack of jurisdiction, notice of false imprisonment, illegal issuance of and action on illegal unconstitutional warrant were filed into case and faxed to the Attorney General XXXX XXXX XXXX XXXX XXXX \n\nXXXXXXXX XXXX XXXX The opinion of the court states : The individual may stand upon his constitutional rights as a natural person he is entitled to carry on his private business in his own way. His power to contract is unlimited. He owes no duty to the state or to his neighbors, to devote his business or to open his doors to an investigation so far as it may tent, incriminate him, he owes no duty to the state since he received nothing there from beyond the protection of his life and property. His rights are such existed by the law of the land, common law, long, and to send it to the organization of the state, and can only be taken from him by due process of law, and in accordance with the constitution he was nothing to the public, so as long as he does not trespass upon the rights No Victim No Crime. \n\nXXXX XXXX XXXX. \nA court can not acquire jurisdiction to try person for an act made criminal only buying unconstitutional law in less than a fence, created by unconstitutional statue, is no longer a crime in a conviction under such that you can not be a legal cause for imprisonment 18 US code 894 collection of extensions of credit by extortion. It means a whoever know when he participates in anyway or conspired to do so in the use of any extortion it means one to collect or attempt to collect any extension of credit or two to punish any person for the nonpayment thereof, shall be fine under this title in prison, not more than 20 years or both. \n\nUnited States Supreme Court decision in 1796 There every man is independent of all laws except those prescribed by nature hes not bound by any institutions, formed by his fellow men without his consent XXXX XXXX XXXX Since house joint resolution 192 HDR, public law, 7310 was passed in 1933. We have only had that because all property in gold received by the government as collateral in the bankruptcy of the United States. \n\nThe supremacy clause article 6 paragraph two of the constitution contracted engagements entered into before the adoption of the constitution shall be, as that is against United States under the constitution as under the confederation this constitution in the laws, as noted states with shall be made, and pursuance thereof, and all treaties made, or with XXXX made under the authority of the United States. XXXX be the supreme law of the land and the judges in every state shell be down there by anything in the constitutional laws of any state to the country, notwithstanding.","date_sent_to_company":"2024-04-19T04:23:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"783XX","tags":null,"has_narrative":true,"complaint_id":"8802275","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-04-19T03:28:42.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["<em>United</em> <em>States</em> Supreme Court decision in 1796 There every man is independent of all laws except those prescribed by nature hes not bound by any institutions, formed by his fellow men without his consent XXXX XXXX XXXX Since <em>house</em> <em>joint</em> resolution 192 HDR, public law, 7310 was passed in 1933. We have only had that because all property in gold received by the government as collateral in the <em>bankruptcy</em> of the <em>United</em> <em>States</em>."]},"sort":[20.488909,"8802275"]},{"_index":"complaint-public-v1","_id":"2381345","_score":19.760612,"_source":{"product":"Bank account or service","complaint_what_happened":"I opened an account at XXXX ( USAA ) around XX/XX/XXXX. Shortly thereafter, I became joint owner on my roommate, XXXX XXXX 's USAA account. In XX/XX/XXXX after I realized he had met financial difficulty, I asked that my name be removed as co-owner from his USAA accounts. I was able to do this through my own online account access. I completed the process and was successfully removed from XXXX XXXX 's account. I am attaching screen captures reflecting the completion of this process along with a confirmation from USAA indicating my request was complete. \n\nIn the meantime, XXXX XXXX amassed obligations to USAA for an overdrawn account - the same account on which I was previously listed as an owner - and in the end, his financial obligations to USAA were discharged via Chapter XXXX of the United States Bankruptcy Code. However, even though I was successfully removed from XXXX XXXX 's account, USAA has blocked my own account access and services and has informed me that I am indebted to them in the same amount XXXX XXXX was indebted. \n\nSeveral months ago, I phoned USAA 's customer service, and without disclosing my name or account number ( I told the representative I had generic questions that were not account specific ), I inquired about the process to remove oneself from an account where he is the joint owner. Specifically, I asked if an account has a negative balance, is it possible to remove oneself from that account using USAA 's online services. The representative told me that it is not possible to complete such an action ; and that if attempted, the system would block it and return with a message requesting the member contact customer service for further details. \n\nI was removed from this account as co-owner BEFORE XXXX XXXX became indebted to USAA, yet USAA is continuing to hold me liable for this balance, and they are preventing me from accessing their full suite of services - services I would otherwise be eligible to access. Not only am I unable to view previous account data and records, I am unable to use the accounts I have housed with USAA. \n\nI was under the distinct impression that in taking action as soon as I discovered the joint-owner 's financial situation, I was protecting myself from liability and demonstrating that I did not contribute to this account mishandling.","date_sent_to_company":"2017-03-10T10:36:16.000Z","issue":"Account opening, closing, or management","sub_product":"Other bank product/service","zip_code":"21117","tags":null,"has_narrative":true,"complaint_id":"2381345","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2017-03-10T10:36:15.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Not only am I unable to view previous account data and records, I am unable to use the accounts I have <em>housed</em> with USAA. \n\nI was <em>under</em> the distinct impression that in taking action as soon as I discovered the <em>joint</em>-owner 's financial situation, I was protecting myself from liability and demonstrating that I did not contribute to this account mishandling."],"company":["<em>UNITED</em> SERVICES AUTOMOBILE ASSOCIATION"]},"sort":[19.760612,"2381345"]},{"_index":"complaint-public-v1","_id":"6875036","_score":18.865555,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : ( XXXX United States ) XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : ( XXXX United States ) XXXX XXXX XXXX XXXX, CA XXXX Options XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : Consumer Services Department XXXX Name Removal Option XXXX XXXX XXXX XXXX, PA XXXX Federal Trade Commission Consumer Protection Financial Bureau The Following Account IS in Violation of the Florida Statute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX o www.steelriversystems.com I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. I thank you for your consideration and cooperation the following account are in violation of the FLORIDA STATUTE 95.11 .The Date Of Last Activity By The Original Creditor, even should it be mine, Per Florida Statute 95.11. FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. I received a letter stating that in the year XXXX TWENTY SIX YEARS AGO there was an alleged account. THIS IS BEYOND ANY STATUE UNDER DEBT COLLECTION The exact statute : [ 15 USC 1692e ] ( A ) The legal status of the alleged debt and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\n95.11LIMITATIONS OTHER THAN FOR THE RECOVERY OF REAL PROPERTY.ACTIONS OTHER THAN FOR RECOVERY OF REAL PROPERTY SHALL BE COMMENCED AS FOLLOWS : WITHIN FIVE YEARS.\n\n( a ) An action on a judgment or decree of any court, not of record, of this state or any court of the United States, any other state or territory in the United States, or a foreign country.\n\n( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of ss. 255.05 ( 10 ) and 713.23 ( 1 ) ( e ).\n\n( c ) An action to foreclose a mortgage.\n\n( d ) An action alleging a willful violation of s. 448.110.\n\nWITHIN FOUR YEARS.\n\n( a ) An action founded on negligence.\n\n( b ) An action relating to the determination of paternity, with the time running from the date the child reaches the age of majority.\n\n( c ) An action founded on the design, planning, or construction of an improvement to real property, with the time running from the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest ; except that, when the action involves a latent defect, the time runs from the time the defect is discovered or should have been discovered with the exercise of due diligence. In any event, the action must be commenced within 10 years after the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest.\n\n( d ) An action to recover public money or property held by a public officer or employee, or former public officer or employee, and obtained during, or as a result of, his or her public office or employment.\n\n( e ) An action for injury to a person founded on the design, manufacture, distribution, or sale of personal property that is not permanently incorporated in an improvement to real property, including fixtures.\n\n( f ) An action founded on a statutory liability.\n\n( g ) An action for trespass on real property.\n\n( h ) An action for taking, detaining, or injuring personal property.\n\n( i ) An action to recover specific personal property.\n\n( j ) A legal or equitable action founded on fraud.\n\n( k ) A legal or equitable action on a contract, obligation, or liability not founded on a written instrument, including an action for the sale and delivery of goods, wares, and merchandise, and on store accounts.\n\n( l ) An action to rescind a contract.\n\n( m ) An action for money paid to any governmental authority by mistake or inadvertence.\n\n( n ) An action for a statutory penalty or forfeiture.\n\n( o ) An action for assault, battery, false arrest, malicious prosecution, malicious interference, false imprisonment, or any other intentional tort, except as provided in subsections ( 4 ), ( 5 ), and ( ( p ) Any action not specifically provided for in these statutes.\n\n( q ) An action alleging a violation, other than a willful violation, of s. 448.110.\n\nPlease note : On XX/XX/XXXX, the UNITED STATES congress passed House Joint Resolution 192, which served as a declaration of bankruptcy. Congress declared in HJR 192 that demanding payments in Gold ( constitutional money ) or in any particular form would now be against public policy. At the same time, President Roosevelt issued executive order 6102 forbidding the hoarding of gold coins, gold bullion and certificates. With this executive order, Roosevelt ordered that most of the gold in circulation be turned in to Federal Reserve Banks across the nation under the threat of fines and 10 years imprisonment.\n\nWhat the leaders at the time failed to disclose was, that with the confiscation of all gold ( money ) and property, that made all Americans ( Spelled in Proper case ) CREDITORS to the U.S. bankruptcy. Because of the passage of HJR 192, it was now illegal for Americans to pay for anything. Gold was traded for Federal Reserve notes of indebtedness, which made paying for anything impossible, as notes of debt do not pay for anything but delay the payment until a later date. What the government offered instead of gold was CREDIT, but they offered it to the banks, not the people.\n\nThe Passage of HJR 192 JOINT RESOLUTION TO SUSPEND THE GOLD STANDARD AND ABROGATE THE GOLD CLAUSE XX/XX/XXXX H.J.192 73rd Cong. 1st Session Joint resolution to assure uniform value to the coins and currencies of the United States.\n\nWhereas the holding of or dealing in gold affect the public interest, and therefore subject to proper regulation and restriction ; and Whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency of the United States, or in an amount of money of the United States measured thereby, obstruct the power of the Congress to regulate the value of money of the United States, and are inconsistent with the declared policy of the Congress to maintain at all times the equal power of every dollar, coined or issued by the United States, in the markets and in payment of debts.\n\nNow, therefore, be it Resolved by the Senate and House of Representatives of the United States of America in Congress assembled. That ( a ) every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount of money of the United States measured thereby, is declared to be against public policy ; and no such provision contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provisions is contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any such coin or currency which at the time is legal tender for public and private debts. Any such provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed, but the repeal of any such provision shall not invalidate any other provision or authority contained in such law.\n\n( b ) As used in the resolution, the term \" obligation '' means an obligation ( including every obligation of and to the United States, excepting currency ) payable in money of the United States ; and the term \" coin or currency '' means coin or currency of the United States, including Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations.\n\nSEC. 2. The last sentence of paragraph ( 1 ) of subsection ( b ) of section 43 of the Act entitled \" An Act to relieve the existing national economic emergency by increasing agricultural purchasing power, to raise revenue for extraordinary expenses incurred by reason of such emergency, to provide emergency relief with respect to agricultural indebtedness, to provide for the orderly liquidation of joint-stock land banks, and for other purposes '', approved XX/XX/XXXX, is amended to read as follows : \" All coins and currencies of the United States ( including Federal reserve notes and circulating notes of Federal Reserve banks and national banking associations ) hereunto and hereafter coined or issued, shall be legal tender for all debts, for public and private, public charges, taxes, duties, and dues, except gold coins, when below the standard weight and limit of tolerance provided by law for the single piece, shall be legal tender only at valuation in proportion to their actual weight. '' Approved XX/XX/XXXX, XXXX XXXX \n\nAdditionally The Federal Government took our lawful money out of circulation in XXXX but Congress had to provide the people a remedy. Public Law : \" Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar.\n\n1. House Joint Resolution. 73rd Congress. Session 1. Chapters 48 & 49. XX/XX/XXXX, XXXX, 1933 H.J.R. 192. 1491 Public Law 1 48 Stat 1confirmed in ~Perry v. U.S. ( 1935 ) 294 U.S. 330-381, 79 LEd 912, as well as ~Title 31 United States Code ( USC ) 5112, 5119 and again 12 USC 95a. When a government goes bankrupt, it loses its sovereignty.\n\n2. Public Law 10 Chapter 48, 48 Stat. 112.\n\n3. Public Law 73-10 40 Stat 411 Act ( TWEA ) OCT 6, 1917 1 ) That, Legal tender under the Uniform Commercial Code ( U.C.C. ), Section 1-201 ( 24 ) ( Official Comment ) ; The referenced Official Comment notes that the definition of money is not limited to legal tender under the U.C.C. The test adopted is that of sanction of government, whether by authorization before issue of adoption afterward, which recognizes the circulating medium as a part of the official currency of that government. The narrow view that money is limited to legal tender is rejected. Under HJR 192 June 05, 1933 and validated in Perry above the nation is bankrupt and to support the bankruptcy my signature as a man created the currency of the realm for the transaction making me the Creditor. The existing state of emergency is verified ~Title 12 95, 95a, 95b and 411 Should this be doubted then these two quotes ( of many more ) verify the truth since the principal part of any thing is the beginning. Maxim of Law BANKS CAN NOT LEND DEPOSITORS MONEY TO BORROWERS WITHOUT THE DEPOSITORS WRITTEN AUTHORIZATION, IN REALITY, BANKS DO NOT LEND THEIR DEPOSITORS MONEY. ~12 U.S.C . 1828.\n\nA national bank has no power to lend its credit to any person or corporation. ~Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S. Ct 1024, 176 US 682, 44 LED 637.\n\nA bank is not the holder in due course upon merely crediting the depositors account. Bankers Trust v. Nagler, 229 NYS 2d 142, 143.\n\no That, the Federal Reserve Bank in its booklet ; MODERN MONEY MECHANICS page 3, states ; In the United States neither paper currency nor deposits have as commodities. Intrinsically, a dollar bill is just a piece of paper, deposits merely book entries.\n\no That the giving a ( Federal Reserve ) note does not constitute payment. See Echart v Commissioners C.C.A., 42 Fd2d 158.\n\no That the use of a ( federal reserve ) 'Note ' is only a promise to pay. See Fidelity Savings v Grimes, 131 P2d 894.\n\no That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189.\n\no That ( federal reserve ) 'Notes do not operate as payment in the absences of an agreement that they shall constitute payment. ' See Blachshear Mfg. Co. v Harrell, 2 S.E. 2d 766.\n\no Also, Federal Reserve Notes are valueless. See IRS Codes Section 1.1001-1 ( 4657 ) C.C.H. ) o In light of the holding of Fidelity Bank Guarantee vs. Henwood, 307 U.S. 847 ( 1939 ), take notice of ... As of October 27, 1977, legal tender for discharge of debt is no longer required. That is because legal tender is not in circulation at par with promises to pay credit. There can be no requirement of repayment in legal tender either, since legal tender was not loaned [ nor in circulation ] and repayment [ or payment ] need only be made in equivalent kind ; A negotiable instrument.\n\no U.C.C. 3-603 ; If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender...\n\no ORS 81.010 Effect of unaccepted offer in writing to pay or deliver. An offer in writing to pay a particular sum of money or to deliver a written instrument or specific personal property is, if not accepted, equivalent to the actual production and tender of the money, instrument or property. ( the latter here operates via the rule of Para Materia in Tennessee. ) o That because of failure of a lawful consideration the Note and Mortgage are null and void See First National Bank of Montgomery v Jerome Daly, case # 19144 ( 1968 ) .THEREFORE, in light of the above, under necessity, having no other means to pay debts at law, but being stopped and denied access to lawful constitutional money of exchange, the undersigned can only exercise the remedy under necessity to set off/discharge the 'debt/liability '.\n\nYour Affiant, flesh and blood with PRE-PAID EXEMPT status as a current Creditor of the U.S. CORPORATION since its bankruptcy in 1933 and with full understanding of how the monetary system works. Federal laws prohibits any banks from loaning against its own credit and customers deposits, so my signature creates the asset of these funds which you then monetized to your gain ten ( 10 ) times, then my signature does certainly pay this supposed liability ; THEREIN, you are required by LAW to accept this EFT instrument and credit the above account, in honor, within 24 hours upon acceptance pursuant to U.C.C. 3-501.\n\nAny dishonor will be construed as a commercial injury, violation of agreement, fraud, fraud by scienter, violation of commercial law and otherwise. UCC codes used in verified tender of payment 1-201 general definitions governing EFT 3-311 ( d ). Receipt of an instrument is satisfaction 3-501- ( 4 ) day after day of receipt 3-603 tender of payment ( b ) refusal is discharge ( c ) able & ready to pay at every place of a payment stated Your Affiant Has Claimed, Maintain, And Have At All Times Has Retained Her Constitutionally Secured Rights Especially, But Not Limited To, All Aspects Of This Instant Matter ; Brady V. U.S., 397 U.S. , 742 At 748 . Waivers Of Constitutional Rights Must Not Only Be Done Voluntarily, They Must Be Knowingly Intelligent Acts Done With Sufficient Awareness Of The Relevant Circumstances And Consequences. \n\nThank you for your prompt handling of my request. \nSincerely, XXXX XXXX","date_sent_to_company":"2023-04-25T12:22:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32244","tags":null,"has_narrative":true,"complaint_id":"6875036","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-04-23T14:03:20.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Now, therefore, be it Resolved by the Senate and <em>House</em> of Representatives of the <em>United</em> <em>States</em> of America in Congress assembled."]},"sort":[18.865555,"6875036"]},{"_index":"complaint-public-v1","_id":"6874916","_score":18.861866,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : ( XXXX United States ) XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : ( XXXX United States ) XXXX XXXX XXXX XXXX, CA XXXX Options Equifax , Inc . \nXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : Consumer Services Department XXXX XXXX Removal Option XXXX XXXX XXXX XXXX, PA XXXX Federal Trade Commission Consumer Protection Financial Bureau The Following Account IS in Violation of the Florida Statute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX o www.steelriversystems.com I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. I thank you for your consideration and cooperation the following account are in violation of the FLORIDA STATUTE 95.11 .The Date Of Last Activity By The Original Creditor, even should it be mine, Per Florida Statute 95.11. FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. I received a letter stating that in the year XXXX TWENTY SIX YEARS AGO there was an alleged account. THIS IS BEYOND ANY STATUE UNDER DEBT COLLECTION The exact statute : [ 15 USC 1692e ] ( A ) The legal status of the alleged debt and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\n95.11LIMITATIONS OTHER THAN FOR THE RECOVERY OF REAL PROPERTY.ACTIONS OTHER THAN FOR RECOVERY OF REAL PROPERTY SHALL BE COMMENCED AS FOLLOWS : WITHIN FIVE YEARS.\n\n( a ) An action on a judgment or decree of any court, not of record, of this state or any court of the United States, any other state or territory in the United States, or a foreign country. \n( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of ss. 255.05 ( 10 ) and 713.23 ( 1 ) ( e ).\n\n( c ) An action to foreclose a mortgage.\n\n( d ) An action alleging a willful violation of s. 448.110.\n\nWITHIN FOUR YEARS.\n\n( a ) An action founded on negligence.\n\n( b ) An action relating to the determination of paternity, with the time running from the date the child reaches the age of majority.\n\n( c ) An action founded on the design, planning, or construction of an improvement to real property, with the time running from the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest ; except that, when the action involves a latent defect, the time runs from the time the defect is discovered or should have been discovered with the exercise of due diligence. In any event, the action must be commenced within 10 years after the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest.\n\n( d ) An action to recover public money or property held by a public officer or employee, or former public officer or employee, and obtained during, or as a result of, his or her public office or employment.\n\n( e ) An action for injury to a person founded on the design, manufacture, distribution, or sale of personal property that is not permanently incorporated in an improvement to real property, including fixtures.\n\n( f ) An action founded on a statutory liability.\n\n( g ) An action for trespass on real property.\n\n( h ) An action for taking, detaining, or injuring personal property.\n\n( i ) An action to recover specific personal property.\n\n( j ) A legal or equitable action founded on fraud.\n\n( k ) A legal or equitable action on a contract, obligation, or liability not founded on a written instrument, including an action for the sale and delivery of goods, wares, and merchandise, and on store accounts.\n\n( l ) An action to rescind a contract.\n\n( m ) An action for money paid to any governmental authority by mistake or inadvertence.\n\n( n ) An action for a statutory penalty or forfeiture.\n\n( o ) An action for assault, battery, false arrest, malicious prosecution, malicious interference, false imprisonment, or any other intentional tort, except as provided in subsections ( 4 ), ( 5 ), and ( ( p ) Any action not specifically provided for in these statutes.\n\n( q ) An action alleging a violation, other than a willful violation, of s. 448.110. \nPlease note : On XX/XX/XXXX, the UNITED STATES congress passed House Joint Resolution 192, which served as a declaration of bankruptcy. Congress declared in HJR 192 that demanding payments in Gold ( constitutional money ) or in any particular form would now be against public policy. At the same time, President Roosevelt issued executive order 6102 forbidding the hoarding of gold coins, gold bullion and certificates. With this executive order, Roosevelt ordered that most of the gold in circulation be turned in to Federal Reserve Banks across the nation under the threat of fines and 10 years imprisonment.\n\nWhat the leaders at the time failed to disclose was, that with the confiscation of all gold ( money ) and property, that made all Americans ( Spelled in Proper case ) CREDITORS to the U.S. bankruptcy. Because of the passage of HJR 192, it was now illegal for Americans to pay for anything. Gold was traded for Federal Reserve notes of indebtedness, which made paying for anything impossible, as notes of debt do not pay for anything but delay the payment until a later date. What the government offered instead of gold was CREDIT, but they offered it to the banks, not the people.\n\nThe Passage of HJR 192 JOINT RESOLUTION TO SUSPEND THE GOLD STANDARD AND ABROGATE THE GOLD CLAUSE XX/XX/XXXX XXXX XXXX Cong. 1st Session Joint resolution to assure uniform value to the coins and currencies of the United States.\n\nWhereas the holding of or dealing in gold affect the public interest, and therefore subject to proper regulation and restriction ; and Whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency of the United States, or in an amount of money of the United States measured thereby, obstruct the power of the Congress to regulate the value of money of the United States, and are inconsistent with the declared policy of the Congress to maintain at all times the equal power of every dollar, coined or issued by the United States, in the markets and in payment of debts.\n\nNow, therefore, be it Resolved by the Senate and House of Representatives of the United States of America in Congress assembled. That ( a ) every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount of money of the United States measured thereby, is declared to be against public policy ; and no such provision contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provisions is contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any such coin or currency which at the time is legal tender for public and private debts. Any such provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed, but the repeal of any such provision shall not invalidate any other provision or authority contained in such law.\n\n( b ) As used in the resolution, the term \" obligation '' means an obligation ( including every obligation of and to the United States, excepting currency ) payable in money of the United States ; and the term \" coin or currency '' means coin or currency of the United States, including Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations.\n\nSEC. 2. The last sentence of paragraph ( 1 ) of subsection ( b ) of section 43 of the Act entitled \" An Act to relieve the existing national economic emergency by increasing agricultural purchasing power, to raise revenue for extraordinary expenses incurred by reason of such emergency, to provide emergency relief with respect to agricultural indebtedness, to provide for the orderly liquidation of joint-stock land banks, and for other purposes '', approved XX/XX/XXXX, is amended to read as follows : \" All coins and currencies of the United States ( including Federal reserve notes and circulating notes of Federal Reserve banks and national banking associations ) hereunto and hereafter coined or issued, shall be legal tender for all debts, for public and private, public charges, taxes, duties, and dues, except gold coins, when below the standard weight and limit of tolerance provided by law for the single piece, shall be legal tender only at valuation in proportion to their actual weight. '' Approved XX/XX/XXXX, XXXXXXXX XXXX. \n\nAdditionally The Federal Government took our lawful money out of circulation in XXXX but Congress had to provide the people a remedy. Public Law : \" Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar.\n\n1. House Joint Resolution. 73rd Congress. Session 1. Chapters 48 & 49. XX/XX/XXXX, XXXX, 1933 H.J.R. 192. 1491 Public Law 1 48 Stat 1confirmed in ~Perry v. U.S. ( 1935 ) 294 U.S. 330-381, 79 LEd 912, as well as ~Title 31 United States Code ( USC ) 5112, 5119 and again 12 USC 95a. When a government goes bankrupt, it loses its sovereignty.\n\n2. Public Law 10 Chapter 48, 48 Stat. 112.\n\n3. Public Law 73-10 40 Stat 411 Act ( TWEA ) OCT 6, 1917 1 ) That, Legal tender under the Uniform Commercial Code ( U.C.C. ), Section 1-201 ( 24 ) ( Official Comment ) ; The referenced Official Comment notes that the definition of money is not limited to legal tender under the U.C.C. The test adopted is that of sanction of government, whether by authorization before issue of adoption afterward, which recognizes the circulating medium as a part of the official currency of that government. The narrow view that money is limited to legal tender is rejected. Under HJR 192 June 05, 1933 and validated in Perry above the nation is bankrupt and to support the bankruptcy my signature as a man created the currency of the realm for the transaction making me the Creditor. The existing state of emergency is verified ~Title 12 95, 95a, 95b and 411 Should this be doubted then these two quotes ( of many more ) verify the truth since the principal part of any thing is the beginning. Maxim of Law BANKS CAN NOT LEND DEPOSITORS MONEY TO BORROWERS WITHOUT THE DEPOSITORS WRITTEN AUTHORIZATION, IN REALITY, BANKS DO NOT LEND THEIR DEPOSITORS MONEY. ~12 U.S.C . 1828.\n\nA national bank has no power to lend its credit to any person or corporation. ~Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S. Ct 1024, 176 US 682, 44 LED 637.\n\nA bank is not the holder in due course upon merely crediting the depositors account. Bankers Trust v. Nagler, 229 NYS 2d 142, 143.\n\no That, the Federal Reserve Bank in its booklet ; MODERN MONEY MECHANICS page 3, states ; In the United States neither paper currency nor deposits have as commodities. Intrinsically, a dollar bill is just a piece of paper, deposits merely book entries.\n\no That the giving a ( Federal Reserve ) note does not constitute payment. See Echart v Commissioners C.C.A., 42 Fd2d 158.\n\no That the use of a ( federal reserve ) 'Note ' is only a promise to pay. See Fidelity Savings v Grimes, 131 P2d 894.\n\no That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189.\n\no That ( federal reserve ) 'Notes do not operate as payment in the absences of an agreement that they shall constitute payment. ' See Blachshear Mfg. Co. v Harrell, 2 S.E. 2d 766.\n\no Also, Federal Reserve Notes are valueless. See IRS Codes Section 1.1001-1 ( 4657 ) C.C.H. ) o In light of the holding of Fidelity Bank Guarantee vs. Henwood, 307 U.S. 847 ( 1939 ), take notice of ... As of October 27, 1977, legal tender for discharge of debt is no longer required. That is because legal tender is not in circulation at par with promises to pay credit. There can be no requirement of repayment in legal tender either, since legal tender was not loaned [ nor in circulation ] and repayment [ or payment ] need only be made in equivalent kind ; A negotiable instrument.\n\no U.C.C. 3-603 ; If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender...\n\no ORS 81.010 Effect of unaccepted offer in writing to pay or deliver. An offer in writing to pay a particular sum of money or to deliver a written instrument or specific personal property is, if not accepted, equivalent to the actual production and tender of the money, instrument or property. ( the latter here operates via the rule of Para Materia in Tennessee. ) o That because of failure of a lawful consideration the Note and Mortgage are null and void See First National Bank of Montgomery v Jerome Daly, case # 19144 ( 1968 ) .THEREFORE, in light of the above, under necessity, having no other means to pay debts at law, but being stopped and denied access to lawful constitutional money of exchange, the undersigned can only exercise the remedy under necessity to set off/discharge the 'debt/liability '.\n\nYour Affiant, flesh and blood with PRE-PAID EXEMPT status as a current Creditor of the U.S. CORPORATION since its bankruptcy in 1933 and with full understanding of how the monetary system works. Federal laws prohibits any banks from loaning against its own credit and customers deposits, so my signature creates the asset of these funds which you then monetized to your gain ten ( 10 ) times, then my signature does certainly pay this supposed liability ; THEREIN, you are required by LAW to accept this EFT instrument and credit the above account, in honor, within 24 hours upon acceptance pursuant to U.C.C. 3-501.\n\nAny dishonor will be construed as a commercial injury, violation of agreement, fraud, fraud by scienter, violation of commercial law and otherwise. UCC codes used in verified tender of payment 1-201 general definitions governing EFT 3-311 ( d ). Receipt of an instrument is satisfaction 3-501- ( 4 ) day after day of receipt 3-603 tender of payment ( b ) refusal is discharge ( c ) able & ready to pay at every place of a payment stated Your Affiant Has Claimed, Maintain, And Have At All Times Has Retained Her Constitutionally Secured Rights Especially, But Not Limited To, All Aspects Of This Instant Matter ; Brady V. U.S., 397 U.S. , 742 At 748 . Waivers Of Constitutional Rights Must Not Only Be Done Voluntarily, They Must Be Knowingly Intelligent Acts Done With Sufficient Awareness Of The Relevant Circumstances And Consequences. \n\nThank you for your prompt handling of my request. \nSincerely, XXXX XXXX","date_sent_to_company":"2023-04-25T12:22:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32244","tags":null,"has_narrative":true,"complaint_id":"6874916","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-04-23T13:58:51.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Now, therefore, be it Resolved by the Senate and <em>House</em> of Representatives of the <em>United</em> <em>States</em> of America in Congress assembled."]},"sort":[18.861866,"6874916"]},{"_index":"complaint-public-v1","_id":"6875037","_score":18.828533,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion : ( XXXX United States ) TransUnion XXXX XXXX XXXX XXXX, PA XXXX TransUnion : ( XXXX United States ) XXXX XXXX XXXX XXXX, CA XXXX Options XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : Consumer Services Department TransUnion Name Removal Option XXXX XXXX XXXX XXXX, PA XXXX Federal Trade Commission Consumer Protection Financial Bureau The Following Account IS in Violation of the Florida Statute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX o www.steelriversystems.com I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. I thank you for your consideration and cooperation the following account are in violation of the FLORIDA STATUTE 95.11 .The Date Of Last Activity By The Original Creditor, even should it be mine, Per Florida Statute 95.11. FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. I received a letter stating that in the year 1993 TWENTY SIX YEARS AGO there was an alleged account. THIS IS BEYOND ANY STATUE UNDER DEBT COLLECTION The exact statute : [ 15 USC 1692e ] ( A ) The legal status of the alleged debt and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\n95.11LIMITATIONS OTHER THAN FOR THE RECOVERY OF REAL PROPERTY.ACTIONS OTHER THAN FOR RECOVERY OF REAL PROPERTY SHALL BE COMMENCED AS FOLLOWS : WITHIN FIVE YEARS. \n( a ) An action on a judgment or decree of any court, not of record, of this state or any court of the United States, any other state or territory in the United States, or a foreign country. \n( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of ss. 255.05 ( 10 ) and 713.23 ( 1 ) ( e ).\n\n( c ) An action to foreclose a mortgage.\n\n( d ) An action alleging a willful violation of s. 448.110.\n\nWITHIN FOUR YEARS.\n\n( a ) An action founded on negligence.\n\n( b ) An action relating to the determination of paternity, with the time running from the date the child reaches the age of majority.\n\n( c ) An action founded on the design, planning, or construction of an improvement to real property, with the time running from the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest ; except that, when the action involves a latent defect, the time runs from the time the defect is discovered or should have been discovered with the exercise of due diligence. In any event, the action must be commenced within 10 years after the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest.\n\n( d ) An action to recover public money or property held by a public officer or employee, or former public officer or employee, and obtained during, or as a result of, his or her public office or employment.\n\n( e ) An action for injury to a person founded on the design, manufacture, distribution, or sale of personal property that is not permanently incorporated in an improvement to real property, including fixtures.\n\n( f ) An action founded on a statutory liability.\n\n( g ) An action for trespass on real property.\n\n( h ) An action for taking, detaining, or injuring personal property.\n\n( i ) An action to recover specific personal property.\n\n( j ) A legal or equitable action founded on fraud.\n\n( k ) A legal or equitable action on a contract, obligation, or liability not founded on a written instrument, including an action for the sale and delivery of goods, wares, and merchandise, and on store accounts.\n\n( l ) An action to rescind a contract.\n\n( m ) An action for money paid to any governmental authority by mistake or inadvertence.\n\n( n ) An action for a statutory penalty or forfeiture.\n\n( o ) An action for assault, battery, false arrest, malicious prosecution, malicious interference, false imprisonment, or any other intentional tort, except as provided in subsections ( 4 ), ( 5 ), and ( ( p ) Any action not specifically provided for in these statutes.\n\n( q ) An action alleging a violation, other than a willful violation, of s. 448.110. \nPlease note : On XX/XX/XXXX, the UNITED STATES congress passed House Joint Resolution 192, which served as a declaration of bankruptcy. Congress declared in HJR 192 that demanding payments in Gold ( constitutional money ) or in any particular form would now be against public policy. At the same time, President Roosevelt issued executive order 6102 forbidding the hoarding of gold coins, gold bullion and certificates. With this executive order, Roosevelt ordered that most of the gold in circulation be turned in to Federal Reserve Banks across the nation under the threat of fines and 10 years imprisonment.\n\nWhat the leaders at the time failed to disclose was, that with the confiscation of all gold ( money ) and property, that made all Americans ( Spelled in Proper case ) CREDITORS to the U.S. bankruptcy. Because of the passage of HJR 192, it was now illegal for Americans to pay for anything. Gold was traded for Federal Reserve notes of indebtedness, which made paying for anything impossible, as notes of debt do not pay for anything but delay the payment until a later date. What the government offered instead of gold was CREDIT, but they offered it to the banks, not the people.\n\nThe Passage of HJR 192 JOINT RESOLUTION TO SUSPEND THE GOLD STANDARD AND ABROGATE THE GOLD CLAUSE JUNE 5, 1933 H.J.192 73rd Cong. 1st Session Joint resolution to assure uniform value to the coins and currencies of the United States.\n\nWhereas the holding of or dealing in gold affect the public interest, and therefore subject to proper regulation and restriction ; and Whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency of the United States, or in an amount of money of the United States measured thereby, obstruct the power of the Congress to regulate the value of money of the United States, and are inconsistent with the declared policy of the Congress to maintain at all times the equal power of every dollar, coined or issued by the United States, in the markets and in payment of debts.\n\nNow, therefore, be it Resolved by the Senate and House of Representatives of the United States of America in Congress assembled. That ( a ) every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount of money of the United States measured thereby, is declared to be against public policy ; and no such provision contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provisions is contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any such coin or currency which at the time is legal tender for public and private debts. Any such provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed, but the repeal of any such provision shall not invalidate any other provision or authority contained in such law.\n\n( b ) As used in the resolution, the term \" obligation '' means an obligation ( including every obligation of and to the United States, excepting currency ) payable in money of the United States ; and the term \" coin or currency '' means coin or currency of the United States, including Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations.\n\nSEC. 2. The last sentence of paragraph ( 1 ) of subsection ( b ) of section 43 of the Act entitled \" An Act to relieve the existing national economic emergency by increasing agricultural purchasing power, to raise revenue for extraordinary expenses incurred by reason of such emergency, to provide emergency relief with respect to agricultural indebtedness, to provide for the orderly liquidation of joint-stock land banks, and for other purposes '', approved XX/XX/XXXX, is amended to read as follows : \" All coins and currencies of the United States XXXX including Federal reserve notes and circulating notes of Federal Reserve banks and national banking associations ) hereunto and hereafter coined or issued, shall be legal tender for all debts, for public and private, public charges, taxes, duties, and dues, except gold coins, when below the standard weight and limit of tolerance provided by law for the single piece, shall be legal tender only at valuation in proportion to their actual weight. '' Approved XX/XX/XXXX, XXXX XXXX \n\nAdditionally The Federal Government took our lawful money out of circulation in XXXX but Congress had to provide the people a remedy. Public Law : \" Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar.\n\n1. House Joint Resolution. 73rd Congress. Session 1. Chapters 48 & 49. XX/XX/XXXX, XXXX, XXXX H.J.R. 192. 1491 Public Law 1 48 Stat 1confirmed in ~Perry v. U.S. ( 1935 ) 294 U.S. 330-381, 79 LEd 912, as well as ~Title 31 United States Code ( USC ) 5112, 5119 and again 12 USC 95a. When a government goes bankrupt, it loses its sovereignty.\n\n2. Public Law 10 Chapter 48, 48 Stat. 112.\n\n3. Public Law 73-10 40 Stat 411 Act ( TWEA ) OCT 6, 1917 1 ) That, Legal tender under the Uniform Commercial Code ( U.C.C. ), Section 1-201 ( 24 ) ( Official Comment ) ; The referenced Official Comment notes that the definition of money is not limited to legal tender under the U.C.C. The test adopted is that of sanction of government, whether by authorization before issue of adoption afterward, which recognizes the circulating medium as a part of the official currency of that government. The narrow view that money is limited to legal tender is rejected. Under HJR 192 June 05, 1933 and validated in Perry above the nation is bankrupt and to support the bankruptcy my signature as a man created the currency of the realm for the transaction making me the Creditor. The existing state of emergency is verified ~Title 12 95, 95a, 95b and 411 Should this be doubted then these two quotes ( of many more ) verify the truth since the principal part of any thing is the beginning. Maxim of Law BANKS CAN NOT LEND DEPOSITORS MONEY TO BORROWERS WITHOUT THE DEPOSITORS WRITTEN AUTHORIZATION, IN REALITY, BANKS DO NOT LEND THEIR DEPOSITORS MONEY. ~12 U.S.C . 1828.\n\nA national bank has no power to lend its credit to any person or corporation. ~Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S. Ct 1024, 176 US 682, 44 LED 637.\n\nA bank is not the holder in due course upon merely crediting the depositors account. Bankers Trust v. Nagler, 229 NYS 2d 142, 143.\n\no That, the Federal Reserve Bank in its booklet ; MODERN MONEY MECHANICS page 3, states ; In the United States neither paper currency nor deposits have as commodities. Intrinsically, a dollar bill is just a piece of paper, deposits merely book entries.\n\no That the giving a ( Federal Reserve ) note does not constitute payment. See Echart v Commissioners C.C.A., 42 Fd2d 158.\n\no That the use of a ( federal reserve ) 'Note ' is only a promise to pay. See Fidelity Savings v Grimes, 131 P2d 894.\n\no That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189.\n\no That ( federal reserve ) 'Notes do not operate as payment in the absences of an agreement that they shall constitute payment. ' See Blachshear Mfg. Co. v Harrell, 2 S.E. 2d 766.\n\no Also, Federal Reserve Notes are valueless. See IRS Codes Section 1.1001-1 ( 4657 ) C.C.H. ) o In light of the holding of Fidelity Bank Guarantee vs. Henwood, 307 U.S. 847 ( 1939 ), take notice of ... As of XX/XX/XXXX, legal tender for discharge of debt is no longer required. That is because legal tender is not in circulation at par with promises to pay credit. There can be no requirement of repayment in legal tender either, since legal tender was not loaned [ nor in circulation ] and repayment [ or payment ] need only be made in equivalent kind ; A negotiable instrument. \no U.C.C. 3-603 ; If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender...\n\no ORS 81.010 Effect of unaccepted offer in writing to pay or deliver. An offer in writing to pay a particular sum of money or to deliver a written instrument or specific personal property is, if not accepted, equivalent to the actual production and tender of the money, instrument or property. ( the latter here operates via the rule of Para Materia in Tennessee. ) o That because of failure of a lawful consideration the Note and Mortgage are null and void See First National Bank of Montgomery v Jerome Daly, case # XXXX ( XXXX ) .THEREFORE, in light of the above, under necessity, having no other means to pay debts at law, but being stopped and denied access to lawful constitutional money of exchange, the undersigned can only exercise the remedy under necessity to set off/discharge the 'debt/liability '.\n\nYour Affiant, flesh and blood with PRE-PAID EXEMPT status as a current Creditor of the U.S. CORPORATION since its bankruptcy in 1933 and with full understanding of how the monetary system works. Federal laws prohibits any banks from loaning against its own credit and customers deposits, so my signature creates the asset of these funds which you then monetized to your gain ten ( 10 ) times, then my signature does certainly pay this supposed liability ; THEREIN, you are required by LAW to accept this EFT instrument and credit the above account, in honor, within 24 hours upon acceptance pursuant to U.C.C. 3-501.\n\nAny dishonor will be construed as a commercial injury, violation of agreement, fraud, fraud by scienter, violation of commercial law and otherwise. UCC codes used in verified tender of payment 1-201 general definitions governing EFT 3-311 ( d ). Receipt of an instrument is satisfaction 3-501- ( 4 ) day after day of receipt 3-603 tender of payment ( b ) refusal is discharge ( c ) able & ready to pay at every place of a payment stated Your Affiant Has Claimed, Maintain, And Have At All Times Has Retained Her Constitutionally Secured Rights Especially, But Not Limited To, All Aspects Of This Instant Matter ; Brady V. U.S., 397 U.S. , 742 At 748 . Waivers Of Constitutional Rights Must Not Only Be Done Voluntarily, They Must Be Knowingly Intelligent Acts Done With Sufficient Awareness Of The Relevant Circumstances And Consequences. \n\nThank you for your prompt handling of my request. \nSincerely, XXXX XXXX","date_sent_to_company":"2023-04-25T12:22:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32244","tags":null,"has_narrative":true,"complaint_id":"6875037","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-04-23T14:03:20.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Now, therefore, be it Resolved by the Senate and <em>House</em> of Representatives of the <em>United</em> <em>States</em> of America in Congress assembled."]},"sort":[18.828533,"6875037"]},{"_index":"complaint-public-v1","_id":"6874920","_score":18.828533,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX : ( XXXX United States ) XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : ( XXXX United States ) XXXX XXXX XXXX XXXX, CA XXXX Options XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : Consumer Services Department XXXX XXXX Removal Option XXXX XXXX XXXX XXXX, PA XXXX Federal Trade Commission Consumer Protection Financial Bureau The Following Account IS in Violation of the Florida Statute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX o XXXX I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. I thank you for your consideration and cooperation the following account are in violation of the FLORIDA STATUTE 95.11 .The Date Of Last Activity By The Original Creditor, even should it be mine, Per Florida Statute 95.11. FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. I received a letter stating that in the year XXXX TWENTY SIX YEARS AGO there was an alleged account. THIS IS BEYOND ANY STATUE UNDER DEBT COLLECTION The exact statute : [ 15 USC 1692e ] ( A ) The legal status of the alleged debt and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\n95.11LIMITATIONS OTHER THAN FOR THE RECOVERY OF REAL PROPERTY.ACTIONS OTHER THAN FOR RECOVERY OF REAL PROPERTY SHALL BE COMMENCED AS FOLLOWS : WITHIN FIVE YEARS. \n( a ) An action on a judgment or decree of any court, not of record, of this state or any court of the United States, any other state or territory in the United States, or a foreign country. \n( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of ss. 255.05 ( 10 ) and 713.23 ( 1 ) ( e ).\n\n( c ) An action to foreclose a mortgage.\n\n( d ) An action alleging a willful violation of s. 448.110.\n\nWITHIN FOUR YEARS.\n\n( a ) An action founded on negligence.\n\n( b ) An action relating to the determination of paternity, with the time running from the date the child reaches the age of majority. \n( c ) An action founded on the design, planning, or construction of an improvement to real property, with the time running from the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest ; except that, when the action involves a latent defect, the time runs from the time the defect is discovered or should have been discovered with the exercise of due diligence. In any event, the action must be commenced within 10 years after the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest.\n\n( d ) An action to recover public money or property held by a public officer or employee, or former public officer or employee, and obtained during, or as a result of, his or her public office or employment.\n\n( e ) An action for injury to a person founded on the design, manufacture, distribution, or sale of personal property that is not permanently incorporated in an improvement to real property, including fixtures.\n\n( f ) An action founded on a statutory liability.\n\n( g ) An action for trespass on real property.\n\n( h ) An action for taking, detaining, or injuring personal property.\n\n( i ) An action to recover specific personal property.\n\n( j ) A legal or equitable action founded on fraud.\n\n( k ) A legal or equitable action on a contract, obligation, or liability not founded on a written instrument, including an action for the sale and delivery of goods, wares, and merchandise, and on store accounts.\n\n( l ) An action to rescind a contract.\n\n( m ) An action for money paid to any governmental authority by mistake or inadvertence.\n\n( n ) An action for a statutory penalty or forfeiture.\n\n( o ) An action for assault, battery, false arrest, malicious prosecution, malicious interference, false imprisonment, or any other intentional tort, except as provided in subsections ( 4 ), ( 5 ), and ( ( p ) Any action not specifically provided for in these statutes.\n\n( q ) An action alleging a violation, other than a willful violation, of s. 448.110.\n\nPlease note : On June 5, 1933, the UNITED STATES congress passed House Joint Resolution 192, which served as a declaration of bankruptcy. Congress declared in HJR 192 that demanding payments in Gold ( constitutional money ) or in any particular form would now be against public policy. At the same time, President Roosevelt issued executive order 6102 forbidding the hoarding of gold coins, gold bullion and certificates. With this executive order, Roosevelt ordered that most of the gold in circulation be turned in to Federal Reserve Banks across the nation under the threat of fines and 10 years imprisonment.\n\nWhat the leaders at the time failed to disclose was, that with the confiscation of all gold ( money ) and property, that made all Americans ( Spelled in Proper case ) CREDITORS to the U.S. bankruptcy. Because of the passage of HJR 192, it was now illegal for Americans to pay for anything. Gold was traded for Federal Reserve notes of indebtedness, which made paying for anything impossible, as notes of debt do not pay for anything but delay the payment until a later date. What the government offered instead of gold was CREDIT, but they offered it to the banks, not the people.\n\nThe Passage of HJR 192 JOINT RESOLUTION TO SUSPEND THE GOLD STANDARD AND ABROGATE THE GOLD CLAUSE XX/XX/XXXX XXXX XXXX Cong. 1st Session Joint resolution to assure uniform value to the coins and currencies of the United States.\n\nWhereas the holding of or dealing in gold affect the public interest, and therefore subject to proper regulation and restriction ; and Whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency of the United States, or in an amount of money of the United States measured thereby, obstruct the power of the Congress to regulate the value of money of the United States, and are inconsistent with the declared policy of the Congress to maintain at all times the equal power of every dollar, coined or issued by the United States, in the markets and in payment of debts.\n\nNow, therefore, be it Resolved by the Senate and House of Representatives of the United States of America in Congress assembled. That ( a ) every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount of money of the United States measured thereby, is declared to be against public policy ; and no such provision contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provisions is contained therein or made with respect thereto, shall be XXXX upon payment, dollar for dollar, in any such coin or currency which at the time is legal tender for public and private debts. Any such provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed, but the repeal of any such provision shall not invalidate any other provision or authority contained in such law. \n\n( b ) As used in the resolution, the term \" obligation '' means an obligation ( including every obligation of and to the United States, excepting currency ) payable in money of the United States ; and the term \" coin or currency '' means coin or currency of the United States, including Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations. \n\nSEC. 2. The last sentence of paragraph ( 1 ) of subsection ( b ) of section 43 of the Act entitled \" An Act to relieve the existing national economic emergency by increasing agricultural purchasing power, to raise revenue for extraordinary expenses incurred by reason of such emergency, to provide emergency relief with respect to agricultural indebtedness, to provide for the orderly liquidation of joint-stock land banks, and for other purposes '', approved XX/XX/XXXX, is amended to read as follows : \" All coins and currencies of the United States XXXX including Federal reserve notes and circulating notes of Federal Reserve banks and national banking associations ) hereunto and hereafter coined or issued, shall be legal tender for all debts, for public and private, public charges, taxes, duties, and dues, except gold coins, when below the standard weight and limit of tolerance provided by law for the single piece, shall be legal tender only at valuation in proportion to their actual weight. '' Approved XX/XX/XXXX, XXXX XXXX \n\nAdditionally The Federal Government took our lawful money out of circulation in 1933 but Congress had to provide the people a remedy. Public Law : \" Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar.\n\n1. House Joint Resolution. 73rd Congress. Session 1. Chapters 48 & 49. XX/XX/XXXX, XXXX, 1933 H.J.R. 192. 1491 Public Law 1 48 Stat 1confirmed in ~Perry v. U.S. ( 1935 ) 294 U.S. 330-381, 79 LEd 912, as well as ~Title 31 United States Code ( USC ) 5112, 5119 and again 12 USC 95a. When a government goes bankrupt, it loses its sovereignty.\n\n2. Public Law 10 Chapter 48, 48 Stat. 112.\n\n3. Public Law 73-10 40 Stat 411 Act ( TWEA ) OCT 6, 1917 1 ) That, Legal tender under the Uniform Commercial Code ( U.C.C. ), Section 1-201 ( 24 ) ( Official Comment ) ; The referenced Official Comment notes that the definition of money is not limited to legal tender under the U.C.C. The test adopted is that of sanction of government, whether by authorization before issue of adoption afterward, which recognizes the circulating medium as a part of the official currency of that government. The narrow view that money is limited to legal tender is rejected. Under XXXX XXXX XX/XX/XXXX and validated in XXXX above the nation is bankrupt and to support the bankruptcy my signature as a man created the currency of the realm for the transaction making me the Creditor. The existing state of emergency is verified ~Title 12 95, 95a, 95b and 411 Should this be doubted then these two quotes ( of many more ) verify the truth since the principal part of any thing is the beginning. Maxim of Law BANKS CAN NOT LEND DEPOSITORS MONEY TO BORROWERS WITHOUT THE DEPOSITORS WRITTEN AUTHORIZATION, IN REALITY, BANKS DO NOT LEND THEIR DEPOSITORS MONEY. ~12 U.S.C . 1828. \n\nA national bank has no power to lend its credit to any person or corporation. ~Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S. Ct 1024, 176 US 682, 44 LED 637.\n\nA bank is not the holder in due course upon merely crediting the depositors account. Bankers Trust v. Nagler, 229 NYS 2d 142, 143.\n\no That, the Federal Reserve Bank in its booklet ; MODERN MONEY MECHANICS page 3, states ; In the United States neither paper currency nor deposits have as commodities. Intrinsically, a dollar bill is just a piece of paper, deposits merely book entries.\n\no That the giving a ( Federal Reserve ) note does not constitute payment. See Echart v Commissioners C.C.A., 42 Fd2d 158.\n\no That the use of a ( federal reserve ) 'Note ' is only a promise to pay. See Fidelity Savings v Grimes, 131 P2d 894.\n\no That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189.\n\no That ( federal reserve ) 'Notes do not operate as payment in the absences of an agreement that they shall constitute payment. ' See Blachshear Mfg. Co. v Harrell, 2 S.E. 2d 766.\n\no Also, Federal Reserve Notes are valueless. See IRS Codes Section 1.1001-1 ( 4657 ) C.C.H. ) o In light of the holding of Fidelity Bank Guarantee vs. Henwood, 307 U.S. 847 ( 1939 ), take notice of ... As of XX/XX/XXXX, legal tender for discharge of debt is no longer required. That is because legal tender is not in circulation at par with promises to pay credit. There can be no requirement of repayment in legal tender either, since legal tender was not loaned [ nor in circulation ] and repayment [ or payment ] need only be made in equivalent kind ; A negotiable instrument. \no U.C.C. 3-603 ; If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender...\n\no ORS 81.010 Effect of unaccepted offer in writing to pay or deliver. An offer in writing to pay a particular sum of money or to deliver a written instrument or specific personal property is, if not accepted, equivalent to the actual production and tender of the money, instrument or property. ( the latter here operates via the rule of Para Materia in Tennessee. ) o That because of failure of a lawful consideration the Note and Mortgage are null and void See XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, case # 19144 ( 1968 ) .THEREFORE, in light of the above, under necessity, having no other means to pay debts at law, but being stopped and denied access to lawful constitutional money of exchange, the undersigned can only exercise the remedy under necessity to set off/discharge the 'debt/liability '.\n\nYour Affiant, flesh and blood with PRE-PAID EXEMPT status as a current Creditor of the U.S. CORPORATION since its bankruptcy in 1933 and with full understanding of how the monetary system works. Federal laws prohibits any banks from loaning against its own credit and customers deposits, so my signature creates the asset of these funds which you then monetized to your gain ten ( 10 ) times, then my signature does certainly pay this supposed liability ; THEREIN, you are required by LAW to accept this EFT instrument and credit the above account, in honor, within 24 hours upon acceptance pursuant to U.C.C. 3-501.\n\nAny dishonor will be construed as a commercial injury, violation of agreement, fraud, fraud by scienter, violation of commercial law and otherwise. UCC codes used in verified tender of payment 1-201 general definitions governing EFT 3-311 ( d ). Receipt of an instrument is satisfaction 3-501- ( 4 ) day after day of receipt 3-603 tender of payment ( b ) refusal is discharge ( c ) able & ready to pay at every place of a payment stated Your Affiant Has Claimed, Maintain, And Have At All Times Has Retained Her Constitutionally Secured Rights Especially, But Not Limited To, All Aspects Of This Instant Matter ; Brady V. U.S., 397 U.S. , 742 At 748 . Waivers Of Constitutional Rights Must Not Only Be Done Voluntarily, They Must Be Knowingly Intelligent Acts Done With Sufficient Awareness Of The Relevant Circumstances And Consequences.\n\nThank you for your prompt handling of my request. \nSincerely, XXXX XXXX","date_sent_to_company":"2023-04-25T12:22:54.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"32244","tags":null,"has_narrative":true,"complaint_id":"6874920","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"VYSTAR CREDIT UNION","date_received":"2023-04-23T13:57:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["Now, therefore, be it Resolved by the Senate and <em>House</em> of Representatives of the <em>United</em> <em>States</em> of America in Congress assembled."],"sub_issue":["Debt was already discharged in <em>bankruptcy</em> and is no longer owed"]},"sort":[18.828533,"6874920"]},{"_index":"complaint-public-v1","_id":"6875073","_score":18.488255,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX : XXXX XXXXXXXX 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  Attn : Consumer Services Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission Consumer Protection Financial Bureau The Following Account IS in Violation of the Florida Statute 95.11 STEEL RIVER SYSTEMS LLC XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.steelriversystems.com I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. I thank you for your consideration and cooperation the following account are in violation of the FLORIDA STATUTE 95.11 .The Date Of Last Activity By The Original Creditor, even should it be mine, Per Florida Statute 95.11. FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. I received a letter stating that in the year XXXX TWENTY SIX YEARS AGO there was an alleged account. THIS IS BEYOND ANY STATUE UNDER DEBT COLLECTION The exact statute : [ 15 USC 1692e ] ( A ) The legal status of the alleged debt and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.\n\n95.11LIMITATIONS OTHER THAN FOR THE RECOVERY OF REAL PROPERTY.ACTIONS OTHER THAN FOR RECOVERY OF REAL PROPERTY SHALL BE COMMENCED AS FOLLOWS : WITHIN FIVE YEARS.\n\n( a ) An action on a judgment or decree of any court, not of record, of this state or any court of the United States, any other state or territory in the United States, or a foreign country.\n\n( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of ss. 255.05 ( 10 ) and 713.23 ( 1 ) ( e ).\n\n( c ) An action to foreclose a mortgage.\n\n( d ) An action alleging a willful violation of s. 448.110.\n\nWITHIN FOUR YEARS.\n\n( a ) An action founded on negligence.\n\n( b ) An action relating to the determination of paternity, with the time running from the date the child reaches the age of majority.\n\n( c ) An action founded on the design, planning, or construction of an improvement to real property, with the time running from the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest ; except that, when the action involves a latent defect, the time runs from the time the defect is discovered or should have been discovered with the exercise of due diligence. In any event, the action must be commenced within 10 years after the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest.\n\n( d ) An action to recover public money or property held by a public officer or employee, or former public officer or employee, and obtained during, or as a result of, his or her public office or employment.\n\n( e ) An action for injury to a person founded on the design, manufacture, distribution, or sale of personal property that is not permanently incorporated in an improvement to real property, including fixtures. \n( f ) An action founded on a statutory liability. \n( g ) An action for trespass on real property. \n( h ) An action for taking, detaining, or injuring personal property. \n( i ) An action to recover specific personal property. \n( j ) A legal or equitable action founded on fraud. \n( k ) A legal or equitable action on a contract, obligation, or liability not founded on a written instrument, including an action for the sale and delivery of goods, wares, and merchandise, and on store accounts. \n( l ) An action to rescind a contract. \n( m ) An action for money paid to any governmental authority by mistake or inadvertence. \n( n ) An action for a statutory penalty or forfeiture. \n( o ) An action for assault, battery, false arrest, malicious prosecution, malicious interference, false imprisonment, or any other intentional tort, except as provided in subsections ( 4 ), ( 5 ), and ( ( p ) Any action not specifically provided for in these statutes. \n( q ) An action alleging a violation, other than a willful violation, of s. 448.110. \nPlease note : On XX/XX/XXXX, the UNITED STATES congress passed House Joint Resolution 192, which served as a declaration of bankruptcy. Congress declared in HJR 192 that demanding payments in Gold ( constitutional money ) or in any particular form would now be against public policy. At the same time, President Roosevelt issued executive order 6102 forbidding the hoarding of gold coins, gold bullion and certificates. With this executive order, Roosevelt ordered that most of the gold in circulation be turned in to Federal Reserve Banks across the nation under the threat of fines and 10 years imprisonment.\n\nWhat the leaders at the time failed to disclose was, that with the confiscation of all gold ( money ) and property, that made all Americans ( Spelled in Proper case ) CREDITORS to the U.S. bankruptcy. Because of the passage of HJR 192, it was now illegal for Americans to pay for anything. Gold was traded for Federal Reserve notes of indebtedness, which made paying for anything impossible, as notes of debt do not pay for anything but delay the payment until a later date. What the government offered instead of gold was CREDIT, but they offered it to the banks, not the people. \n\nThe Passage of HJR 192 JOINT RESOLUTION TO SUSPEND THE GOLD STANDARD AND ABROGATE THE GOLD CLAUSE XX/XX/XXXX H.J.192 73rd Cong. 1st Session Joint resolution to assure uniform value to the coins and currencies of the United States.\n\nWhereas the holding of or dealing in gold affect the public interest, and therefore subject to proper regulation and restriction ; and Whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency of the United States, or in an amount of money of the United States measured thereby, obstruct the power of the Congress to regulate the value of money of the United States, and are inconsistent with the declared policy of the Congress to maintain at all times the equal power of every dollar, coined or issued by the United States, in the markets and in payment of debts.\n\nNow, therefore, be it Resolved by the Senate and House of Representatives of the United States of America in Congress assembled. That ( a ) every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount of money of the United States measured thereby, is declared to be against public policy ; and no such provision contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provisions is contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any such coin or currency which at the time is legal tender for public and private debts. Any such provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed, but the repeal of any such provision shall not invalidate any other provision or authority contained in such law.\n\n( b ) As used in the resolution, the term \" obligation '' means an obligation ( including every obligation of and to the United States, excepting currency ) payable in money of the United States ; and the term \" coin or currency '' means coin or currency of the United States, including Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations.\n\nSEC. 2. The last sentence of paragraph ( 1 ) of subsection ( b ) of section 43 of the Act entitled \" An Act to relieve the existing national economic emergency by increasing agricultural purchasing power, to raise revenue for extraordinary expenses incurred by reason of such emergency, to provide emergency relief with respect to agricultural indebtedness, to provide for the orderly liquidation of joint-stock land banks, and for other purposes '', approved XX/XX/XXXX, is amended to read as follows : \" All coins and currencies of the United States ( including Federal reserve notes and circulating notes of Federal Reserve banks and national banking associations ) hereunto and hereafter coined or issued, shall be legal tender for all debts, for public and private, public charges, taxes, duties, and dues, except gold coins, when below the standard weight and limit of tolerance provided by law for the single piece, shall be legal tender only at valuation in proportion to their actual weight. '' Approved XXXX XXXX, XXXX, XXXXXXXX XXXX \n\nAdditionally The Federal Government took our lawful money out of circulation in XXXX  but Congress had to provide the people a remedy. Public Law : \" Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar.\n\n1. House Joint Resolution. 73rd Congress. Session 1. Chapters 48 & 49. XXXX XXXX XXXX XXXX  H.J.R. 192. 1491 Public Law 1 48 Stat 1confirmed in\n~Perry v. U.S. ( XXXX  ) 294 U.S. 330-381, 79 LEd 912, as well as ~Title 31 United States Code ( USC ) 5112, 5119 and again 12 USC 95a. When a government goes bankrupt, it loses its sovereignty.\n\n2. Public Law 10 Chapter 48, 48 Stat. 112.\n\n3. Public Law 73-10 40 Stat 411 Act ( TWEA ) XXXX XXXX XXXX  1 ) That, Legal tender under the Uniform Commercial Code ( U.C.C. ), Section 1-201 ( 24 ) ( Official Comment ) ; The referenced Official Comment notes that the definition of money is not limited to legal tender under the U.C.C. The test adopted is that of sanction of government, whether by authorization before issue of adoption afterward, which recognizes the circulating medium as a part of the official currency of that government. The narrow view that money is limited to legal tender is rejected. Under HJR 192 XX/XX/XXXXXXXX  and validated in Perry above the nation is bankrupt and to support the bankruptcy my signature as a man created the currency of the realm for the transaction making me the Creditor. The existing state of emergency is verified ~Title 12 95, 95a, 95b and 411 Should this be doubted then these two quotes ( of many more ) verify the truth since the principal part of any thing is the beginning. Maxim of Law BANKS CAN NOT LEND DEPOSITORS MONEY TO BORROWERS WITHOUT THE DEPOSITORS WRITTEN AUTHORIZATION, IN REALITY, BANKS DO NOT LEND THEIR DEPOSITORS MONEY. ~12 U.S.C . 1828. \n\nA national bank has no power to lend its credit to any person or corporation. ~Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S. Ct 1024, 176 US 682, 44 LED 637.\n\nA bank is not the holder in due course upon merely crediting the depositors account. Bankers Trust v. Nagler, 229 NYS 2d 142, 143.\n\no That, the Federal Reserve Bank in its booklet ; MODERN MONEY MECHANICS  page 3, states ; In the United States neither paper currency nor deposits have as commodities. Intrinsically, a dollar bill is just a piece of paper, deposits merely book entries.\n\no That the giving a ( Federal Reserve ) note does not constitute payment. See Echart v Commissioners C.C.A., 42 Fd2d 158.\n\no That the use of a ( federal reserve ) 'Note ' is only a promise to pay. See Fidelity Savings v Grimes, 131 P2d 894.\n\no That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189.\n\no That ( federal reserve ) 'Notes do not operate as payment in the absences of an agreement that they shall constitute payment. ' See Blachshear Mfg. Co. v Harrell, 2 S.E. 2d 766.\n\no Also, Federal Reserve Notes are valueless. See IRS Codes Section 1.1001-1 ( 4657 ) C.C.H. ) o In light of the holding of Fidelity Bank Guarantee vs. Henwood, 307 U.S. 847 ( XXXX  ), take notice of ... As of XXXX XXXX XXXX, legal tender for discharge of debt is no longer required. That is because legal tender is not in circulation at par with promises to pay credit. There can be no requirement of repayment in legal tender either, since legal tender was not loaned [ nor in circulation ] and repayment [ or payment ] need only be made in equivalent kind ; A negotiable instrument.\n\no U.C.C. 3-603 ; If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender...\n\no ORS 81.010 Effect of unaccepted offer in writing to pay or deliver. An offer in writing to pay a particular sum of money or to deliver a written instrument or specific personal property is, if not accepted, equivalent to the actual production and tender of the money, instrument or property. ( the latter here operates via the rule of Para Materia in Tennessee. ) o That because of failure of a lawful consideration the Note and Mortgage are null and void See First National Bank of Montgomery v Jerome Daly, case # 19144 ( XXXX  ) .THEREFORE, in light of the above, under necessity, having no other means to pay debts at law, but being stopped and denied access to lawful constitutional money of exchange, the undersigned can only exercise the remedy under necessity to set off/discharge the 'debt/liability '.\n\nYour Affiant, flesh and blood with PRE-PAID EXEMPT status as a current Creditor of the U.S. CORPORATION since its bankruptcy in XXXX  and with full understanding of how the monetary system works. Federal laws prohibits any banks from loaning against its own credit and customers deposits, so my signature creates the asset of these funds which you then monetized to your gain ten ( 10 ) times, then my signature does certainly pay this supposed liability ; THEREIN, you are required by LAW to accept this EFT instrument and credit the above account, in honor, within 24 hours upon acceptance pursuant to U.C.C. 3-501.\n\nAny dishonor will be construed as a commercial injury, violation of agreement, fraud, fraud by scienter, violation of commercial law and otherwise. UCC codes used in verified tender of payment 1-201 general definitions governing EFT 3-311 ( d ). Receipt of an instrument is satisfaction 3-501- ( 4 ) day after day of receipt 3-603 tender of payment ( b ) refusal is discharge ( c ) able & ready to pay at every place of a payment stated Your Affiant Has Claimed, Maintain, And Have At All Times Has Retained Her Constitutionally Secured Rights Especially, But Not Limited To, All Aspects Of This Instant Matter ; Brady V. U.S., 397 U.S. , 742 At 748 . Waivers Of Constitutional Rights Must Not Only Be Done Voluntarily, They Must Be Knowingly Intelligent Acts Done With Sufficient Awareness Of The Relevant Circumstances And Consequences.\n\nThank you for your prompt handling of my request. \nSincerely, XXXX XXXX","date_sent_to_company":"2023-04-25T12:22:21.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"32244","tags":null,"has_narrative":true,"complaint_id":"6875073","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Steel River Systems, LLC","date_received":"2023-04-23T13:36:41.000Z","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 was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["Now, therefore, be it Resolved by the Senate and <em>House</em> of Representatives of the <em>United</em> <em>States</em> of America in Congress assembled."],"sub_issue":["Debt was already discharged in <em>bankruptcy</em> and is no longer owed"]},"sort":[18.488255,"6875073"]},{"_index":"complaint-public-v1","_id":"11228963","_score":18.417948,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Attn : XXXX XXXX XXXX of THE DEPARTMENT OF EDUCATION Where no contrary evidence is offered or other evidence exists to create a reasonable doubt, an investigators unrebutted affidavit is XXXX XXXX evidence of public performance. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) Pursuant 12 U.S.C. 411 Do you know what lawful money is? To my innerstanding Federal Reserve Notes, which are legal tender in the United States and are backed by full faith and credit of the United States ( unincorporated ) Lawful money is backed by gold and silver Does THE DEPARTMENT OF EDUCATION operate under the BANKRUPTY ACT of 1933 HOUSE JOINT RESOLUTION?\n\nDoes THE DEPARTMENT OF EDUCATION participate in T.I.L.A? \n\nMy consumer reporting file is incorrect nor accurate According to the Fair Credit Reporting Act ; The U.S. Congress enacted the Fair Credit Reporting Act in 1970 The FCRA was intended to address concerns over consumers previous inability to challenge errors in their credit reports, as well as a lack of privacy protections related to consumers credit information. \n\nCan they provide information on how to initiate an administrative appeal? \n\nHow can I challenge decisions, seek clarification, or request a review of these cases/claims on my report? \n\nCan THE DEPARTMENT OF EDUCATION provide me with information about these alleged debts in question? Including the original creditor, the amount owed, and the dates of the \" debts ''? \n\nCan and will THE DEPARTMENT OF EDUCATION provide documentation or evidence that establishes liability for these \" debts ''? \n\nCan and will THE DEPARTMENT OF EDUCATION explain the basis for which i am responsible for this debt? \n\nWhat is the process for disputing the validity of these \" debts '' and are there specific forms and or documents I can send in? \n\nCan you provide any information on any of the payments made? If so please provide documentation or records of these payments? \n\nWhat are the procedures for appealing or challenging these decisions regarding my liability for these alleged \" debts ''? \n\nCan you provide information on the Statue of Limitations for collecting on the type debt in my state of Florida? \n\nAre there any errors or inaccuracies in the debt collection process that I should be aware of? \n\nWhat steps can I take to protect my rights and ensure fair treatment in resolving this \" debt '' Is THE DEPARTMENT OF EDUCATION operating under the Bankruptcy Act of 1933? \n\nWould 18 U.S. Code 2073 and 2076 False Entries and reports of moneys or securities be applicable concerning this and officer failing to make returns or reports? \n\nHow did the credit reporting agencies obtain my private and personal information regarding any of these alleged debts. \n\nFor the record i do not dispute these alleged debts just seek clarification concerning them that the matter may be resolved in a lawful fashion.","date_sent_to_company":"2025-01-27T16:59:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33870","tags":null,"has_narrative":true,"complaint_id":"11228963","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-21T02:28:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["To my innerstanding Federal Reserve Notes, which are legal tender in the <em>United</em> <em>States</em> and are backed by full faith and credit of the <em>United</em> <em>States</em> ( unincorporated ) Lawful money is backed by gold and silver Does THE DEPARTMENT OF EDUCATION operate <em>under</em> the BANKRUPTY ACT of 1933 <em>HOUSE</em> <em>JOINT</em> RESOLUTION?\n\nDoes THE DEPARTMENT OF EDUCATION participate in T.I.L.A? \n\nMy consumer reporting file is incorrect nor accurate According to the Fair Credit Reporting Act ; The U.S."]},"sort":[18.417948,"11228963"]},{"_index":"complaint-public-v1","_id":"11228965","_score":18.382238,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Attn : XXXX XXXX XXXX of THE DEPARTMENT OF EDUCATION Where no contrary evidence is offered or other evidence exists to create a reasonable doubt, an investigators unrebutted affidavit is XXXX XXXX evidence of public performance. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Pursuant 12 U.S.C. 411 Do you know what lawful money is? To my innerstanding Federal Reserve Notes, which are legal tender in the United States and are backed by full faith and credit of the United States ( unincorporated ) Lawful money is backed by gold and silver Does THE DEPARTMENT OF EDUCATION operate under the BANKRUPTY ACT of 1933 HOUSE JOINT RESOLUTION?\n\nDoes THE DEPARTMENT OF EDUCATION participate in T.I.L.A? \n\nMy consumer reporting file is incorrect nor accurate According to the Fair Credit Reporting Act ; The U.S. Congress enacted the Fair Credit Reporting Act in 1970 The FCRA was intended to address concerns over consumers previous inability to challenge errors in their credit reports, as well as a lack of privacy protections related to consumers credit information. \n\nCan they provide information on how to initiate an administrative appeal? \n\nHow can I challenge decisions, seek clarification, or request a review of these cases/claims on my report? \n\nCan THE DEPARTMENT OF EDUCATION provide me with information about these alleged debts in question? Including the original creditor, the amount owed, and the dates of the \" debts ''? \n\nCan and will THE DEPARTMENT OF EDUCATION provide documentation or evidence that establishes liability for these \" debts ''? \n\nCan and will THE DEPARTMENT OF EDUCATION explain the basis for which i am responsible for this debt? \n\nWhat is the process for disputing the validity of these \" debts '' and are there specific forms and or documents I can send in? \n\nCan you provide any information on any of the payments made? If so please provide documentation or records of these payments? \n\nWhat are the procedures for appealing or challenging these decisions regarding my liability for these alleged \" debts ''? \n\nCan you provide information on the Statue of Limitations for collecting on the type debt in my state of Florida? \n\nAre there any errors or inaccuracies in the debt collection process that I should be aware of? \n\nWhat steps can I take to protect my rights and ensure fair treatment in resolving this \" debt '' Is THE DEPARTMENT OF EDUCATION operating under the Bankruptcy Act of 1933? \n\nWould 18 U.S. Code 2073 and 2076 False Entries and reports of moneys or securities be applicable concerning this and officer failing to make returns or reports? \n\nHow did the credit reporting agencies obtain my private and personal information regarding any of these alleged debts. \n\nFor the record i do not dispute these alleged debts just seek clarification concerning them that the matter may be resolved in a lawful fashion.","date_sent_to_company":"2024-12-21T02:28:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33870","tags":null,"has_narrative":true,"complaint_id":"11228965","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-21T02:28:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["To my innerstanding Federal Reserve Notes, which are legal tender in the <em>United</em> <em>States</em> and are backed by full faith and credit of the <em>United</em> <em>States</em> ( unincorporated ) Lawful money is backed by gold and silver Does THE DEPARTMENT OF EDUCATION operate <em>under</em> the BANKRUPTY ACT of 1933 <em>HOUSE</em> <em>JOINT</em> RESOLUTION?\n\nDoes THE DEPARTMENT OF EDUCATION participate in T.I.L.A? \n\nMy consumer reporting file is incorrect nor accurate According to the Fair Credit Reporting Act ; The U.S."]},"sort":[18.382238,"11228965"]},{"_index":"complaint-public-v1","_id":"11228961","_score":18.382238,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Attn : XXXX XXXX XXXX of THE DEPARTMENT OF EDUCATION Where no contrary evidence is offered or other evidence exists to create a reasonable doubt, an investigators unrebutted affidavit is XXXX XXXX evidence of public performance. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Pursuant 12 U.S.C. 411 Do you know what lawful money is? To my innerstanding Federal Reserve Notes, which are legal tender in the United States and are backed by full faith and credit of the United States ( unincorporated ) Lawful money is backed by gold and silver Does THE DEPARTMENT OF EDUCATION operate under the BANKRUPTY ACT of 1933 HOUSE JOINT RESOLUTION?\n\nDoes THE DEPARTMENT OF EDUCATION participate in T.I.L.A? \n\nMy consumer reporting file is incorrect nor accurate According to the Fair Credit Reporting Act ; The U.S. Congress enacted the Fair Credit Reporting Act in 1970 The FCRA was intended to address concerns over consumers previous inability to challenge errors in their credit reports, as well as a lack of privacy protections related to consumers credit information. \n\nCan they provide information on how to initiate an administrative appeal? \n\nHow can I challenge decisions, seek clarification, or request a review of these cases/claims on my report? \n\nCan THE DEPARTMENT OF EDUCATION provide me with information about these alleged debts in question? Including the original creditor, the amount owed, and the dates of the \" debts ''? \n\nCan and will THE DEPARTMENT OF EDUCATION provide documentation or evidence that establishes liability for these \" debts ''? \n\nCan and will THE DEPARTMENT OF EDUCATION explain the basis for which i am responsible for this debt? \n\nWhat is the process for disputing the validity of these \" debts '' and are there specific forms and or documents I can send in? \n\nCan you provide any information on any of the payments made? If so please provide documentation or records of these payments? \n\nWhat are the procedures for appealing or challenging these decisions regarding my liability for these alleged \" debts ''? \n\nCan you provide information on the Statue of Limitations for collecting on the type debt in my state of Florida? \n\nAre there any errors or inaccuracies in the debt collection process that I should be aware of? \n\nWhat steps can I take to protect my rights and ensure fair treatment in resolving this \" debt '' Is THE DEPARTMENT OF EDUCATION operating under the Bankruptcy Act of 1933? \n\nWould 18 U.S. Code 2073 and 2076 False Entries and reports of moneys or securities be applicable concerning this and officer failing to make returns or reports? \n\nHow did the credit reporting agencies obtain my private and personal information regarding any of these alleged debts. \n\nFor the record i do not dispute these alleged debts just seek clarification concerning them that the matter may be resolved in a lawful fashion.","date_sent_to_company":"2024-12-21T02:28:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33870","tags":null,"has_narrative":true,"complaint_id":"11228961","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-21T02:28:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["To my innerstanding Federal Reserve Notes, which are legal tender in the <em>United</em> <em>States</em> and are backed by full faith and credit of the <em>United</em> <em>States</em> ( unincorporated ) Lawful money is backed by gold and silver Does THE DEPARTMENT OF EDUCATION operate <em>under</em> the BANKRUPTY ACT of 1933 <em>HOUSE</em> <em>JOINT</em> RESOLUTION?\n\nDoes THE DEPARTMENT OF EDUCATION participate in T.I.L.A? \n\nMy consumer reporting file is incorrect nor accurate According to the Fair Credit Reporting Act ; The U.S."]},"sort":[18.382238,"11228961"]},{"_index":"complaint-public-v1","_id":"8434888","_score":18.210876,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"PRESTIGE FINANCIAL HAS BEEN TRADING CONSUMERS NOTE ON THE SECONDARY MARKET WITHOUT PROVIDING CONSUMER THEIR SHARES. THIS IS SECURITIES FRAUD. PRESTIGE FINACIAL SERVICES NEVER DISCLOSED THEIR INTENT TO SECURITIZE THE NOTE. PRESTIGE FINANCIAL SERVICES PURCHASED CONSUMER 'S NOTE FROM THE DEALERSHIP AND IS USING IT AS AN ASSET BACK SECURITY. AUTHORIZED AGENT XXXX XXXX XXXX tendered a security in the form of an endorsed payment coupon for the Indentured Trustee of Prestige Financial Services XXXX XXXX XXXX XXXX XXXX to endorse and present to the United States Treasury for redemption in exchange for payment to the principal account. Pursuant to 31 CFR 328.1-328.2 as well as 31 CFR 206 COLLATERAL SECURITY, the Indentured Trustee Act, Securities Exchange Act and the Bankruptcy Banking Act, this form of payment is acceptable. It is unlawful and against public law, specifically, The House Joint Resolution, to force debtor to pay in form of federal reserve notes or any other form of debt instruments. Consumer has initiated a Billing Error Dispute for Prestige to investigate whether their Negotiable Instrument that was sent to their Trustee was redeemed or not. Consumer wants to know its location and asks for Prestige to provide an explanation for the delay for the credit being applied to the account, whether it has been redeemed or not, the securitization of the note provides enough benefit for the Authorize Agent to Express a Trust and request that the balance be paid in full. The United State Postal Service confirmed the Registered Security Endorsed for payment PAID TO THE ORDER OF : PRESTIGE FINANCIAL SERVICES and was delivered Via Registered Mail RE XXXX XXXX XXXX US back in XXXX of XXXX.Please confirm under Penalty of Perjury whether the bond and payment coupon were lost, stolen or destroyed or redeemed. If you are dishonoring the payment, please return it and or provide explanation so that Consumer can initiate an investigation with the SEC and USPS, because it is insured. Consumer requested XXXX and XXXX Number attached to their note, Creditor ignored their right to this information being disclosed as it is apart of the Account. 31 CFR 328.8 - Loss, theft, or destruction of securities bearing restrictive endorsements. ( a ) General. Relief will be provided on account of securities bearing restrictive endorsements proved to have been lost, stolen or destroyed, upon the owner 's application, in the same manner as registered securities which have not been assigned. ( See subpart N of the current revision of Department Circular No. 300, the general regulations governing United States securities. ) Except for bearer securities submitted for redemption at par in payment of Federal estate taxes, a bank will be considered the owner of securities handled on behalf of customers unless it otherwise requests. The application for relief ( Form PD 2211 ) and instructions will be furnished by the Federal Reserve banks. ( b ) Bond of indemnity. Where securities bearing restrictive endorsements shipped by a bank have been lost, stolen, or destroyed, a bond of indemnity with surety satisfactory to the Secretary of the Treasury will be required from the owner. If such bond is executed by a bank or other corporation, the execution must be authorized by general or special resolution of the board of directors, or other body exercising similar functions under its bylaws. Ordinarily, no surety will be required on a bond executed by a presenting bank. The Secretary of the Treasury reserves the right, however, to require a surety in any case in which he considers such action necessary for the protection of the United States. If you continue to violate the Consumer and their Agent, you will be held liable. Investor will file an Investor Complaint with the SEC and IRS Form 211 for An Audit of the Account. This complaint is being submitted Without Recourse and with Equitable and Inalienable Rights Reserved,","date_sent_to_company":"2024-02-28T01:35:13.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"30228","tags":null,"has_narrative":true,"complaint_id":"8434888","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Larry H. Miller Group of Companies","date_received":"2024-02-28T00:56:57.000Z","state":"GA","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["It is unlawful and against public law, specifically, The <em>House</em> <em>Joint</em> Resolution, to force debtor to pay in form of federal reserve notes or any other form of debt instruments. Consumer has initiated a Billing Error Dispute for Prestige to investigate whether their Negotiable Instrument that was sent to their Trustee was redeemed or not."]},"sort":[18.210876,"8434888"]},{"_index":"complaint-public-v1","_id":"6463313","_score":17.02655,"_source":{"product":"Debt collection","complaint_what_happened":"Opened XX/XX/XXXX ( XXXX mos ) LVNV FUNDING LLC- has furnished fraudulent information to consumer report by way of using false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. LVNV FUNDING LLC violates 809 Validation of debts, LVNV FUNDING LLC violates 812 Furnishing certain deceptive forms, LVNV FUNDING LLC violates 807 False or misleading representations. LVNV FUNDING LLC HAS BEEN FURNISHING INACCURATE AND INCOMPLETE INFORMATION TO MY CONSUMER CREDIT REPORT FOR THE PAST XXXX ( XXXX ) MONTHS. I AM DEMANDING THE REMOVAL OF ALL NEGATIVE INFORMATION AND REMARKS REPORTED FOR THIS ACCOUNT, INCLUDING LATE PAYMENT CLAIM, ACCOUNT STATUS, AND ACCOUNT HISTORY TO CONSUMER CREDIT REPORT AS WELL AS THIS ACCOUNT STATUS CLOSED and or Charged OFF. I am aware that FCRA doesn't not require creditors to report negative information & such should not be disclosed to any non affiliated third party without consumers lawful consent.This is a violation of 15 USC 1681S-2 ( 7 ) ( E ). The information displayed is not Fair and equitable to consumer. I have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, the consumer holds the right to validate and verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the 30-day period allotted to me under federal law. The consumer has no contract with LVNV FUNDING LLC. The consumer do not consent to contracting with LVNV FUNDING LLC. LVNV FUNDING LLC is requesting unlawful currency in exchange for debt that has already been paid and prepaid since June 5, 1933 via House Joint Resolution 192. The consumer knows that the entire taxing and monetary system has not been placed under the UCC. See [ The Federal Tax Lien Act of 1966 ] \" The entire taxing and monetary system are hereby, placed under the UCC. The consumer knows that Federal Reserve notes are not defined as obligations. See 18USC8. The consumer knows that State can not use anything but gold and silver coin in tender and payment of debt. See constitution for the united States 1789 article one section 10. Also see TITLE 28 > PART VI > CHAPTER 176 > SUBCHAPTER A > 3002 Definitions 14 ) State means any of the several States, the District of Columbia, Also seeA state may provide for the collection of taxes in gold and silver only. [ State treasurer v.Wright, 28 Ill. 5091 : [ Whitaker v. Haley. 2 Ore. 128 ] Also seeTaxes, lawfully assessed are collectible by agents in money and notes can not be accepted in payment. Town of Frankfort v. Waldo, 128 ME. 1 ] Also see HAGAR v. RECLAMATION DIST. NO. 108, 111 U.S. 701 1884 ). \" Acts of Congress making the notes ( paper ) of the United States a legal tender do not apply to EXACTIONs ( taxes ) made under state law.Federal Reserve Notes are not dollars. XXXX XXXX XXXX, XXXX XXXX XXXX, Department XXXX XXXX Treasury, XX/XX/XXXX. Also seeThe term 'dollars ' likewise is incorrect, which, according to constitutional definition, are monetary units, used in exchange, backed by gold and silver. Our present day XXXX issues are supported by more printed paper of the same ; therefore, they are correctly termed Federal Reserve XXXX ( XXXX ), not dollars. XXXX XXXX XXXX, Handbook of Financial Mathematics, Formulas, and Tables ( XXXX ), p. XXXX. Also seeWhat is a dollar? It's just something artificial we throw out there. What you're doing is you're fooling people into thinking they have purchasing power, when in fact they do not. XXXX XXXX, Chief Economic Advisor, XXXX XXXX, XXXX XXXX Federal Reserve Bank ( XX/XX/XXXX ). Also seeBallentines XXXX XXXX, XXXX XXXX : XXXX. The legal currency of the United States ; State v Downs, 148 Ind 324, 327 ; the unit of money consisting of XXXX XXXX XXXX. The aggregate of specific coins which add up to XXXX dollar. XXXX Bankruptcy confirmed on XX/XX/XXXX ( see XXXX Report XXXX. XXXX, codified at XXXX U.S.C.A. XXXX, House XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX.","date_sent_to_company":"2023-01-20T20:42:45.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"19038","tags":"Servicemember","has_narrative":true,"complaint_id":"6463313","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2023-01-20T20:17:45.000Z","state":"PA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The legal currency of the <em>United</em> <em>States</em> ; State v Downs, 148 Ind 324, 327 ; the unit of money consisting of XXXX XXXX XXXX. The aggregate of specific coins which add up to XXXX dollar. XXXX <em>Bankruptcy</em> confirmed on XX/XX/XXXX ( see XXXX Report XXXX. XXXX, codified at XXXX U.S.C.A. XXXX, <em>House</em> XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX."]},"sort":[17.02655,"6463313"]},{"_index":"complaint-public-v1","_id":"8382569","_score":15.810193,"_source":{"product":"Debt collection","complaint_what_happened":"I asked Portfolio Recovery Associates LLC to remove the {$710.00} from my credit report. My name not even in the card nor their documents. I made many reports in cfpb. This accusations there is no fact or base. I have no contract with PORTFOLIO RECOVERY Associates LLC for them to report false statements in my credit report in all XXXX  agencies. You are XXXX XXXX under XXXX and XXXX XXXX. Your company, owner, and staffs will be under XXXX XXXX  if you keep oppressing your own people. American people. \n\nThis foreign entities has been divide Americans and conquer us. And you are voluntarily working with XXXX entities to oppress us. I have warn you. This is last warning. Everything has been recorded through FAFSA. Stop this now in the name of humanity.\n\nThis is Law of the Land according to Constitution 1776.\n\nSecundum Estate and Trust Law : \" Any administration on the estate of a living person is void ; if it is made to appear that the person was in fact alive at the time such administration was granted, the administration is absolutely void. '' XXXX XXXX  is currently engaged in such void proceedings with reference to my name and estate. This is your complete, correct, and complete disclosure of liability. \n\nWithin the parameters of international law, I am a legal person, a living American born in Arizona, and I am recorded as a member of the Arizona XXXX, not an infant descent estate, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, not a public transmitting utility, and not any form of incorporated entity at all. This is my good faith effort to assist your company with the discharge or set-off of the indebtedness it has acquired and is certified verification of \" payment '' having been made for the amount tendered by my signatory authority. \n\nAs an American State National living in Arizona and as recognized \" Authorized Representative '' of territorial and municipal estate interests and the specific account your corporation is attempting to administer and which it is attached to, please be advised of the following, as you are hereby warranted and directed to set off the indebtedness against the Estates 'Private Social Security Exemption account, pursuant to the following, which you are bound by Constitutional and Trust Law to uphold : It is an established fact of Congressional and international record that the United States ( 28 U.S.C . : 3002 ) and the United States of America ( File number XXXX ) are under bankruptcy and international law, having been dissolved by the Emergency Banking Act, XX/XX/XXXX, XXXX Stat. 1, Public Law 89-719, declared by President Roosevelt as being bankrupt and insolvent, House Joint Resolution ( H.J.R. ) 192, 73rd Congress in session XX/XX/XXXX, XXXXjoint resolution to suspend th\n\ne Republic 's constitutionally mandated and agreed-upon gold standard, abrogate the gold clause, etcetera. For your information, Public Law 73-10 makes it clear that your company can not require payment in a particular kind of coin or currency : \" Every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount in money of the United States measured thereby, is decided to be against public policy ; and no such provision shall be contained in or made with respect to any obligation hereafter incurred. \". Public Law 73-10 also makes clear the fact that debts can not be paid off ; they can only be discharged. \" Every obligation, heretofore or hereafter incurred, whether or not any such provision is contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any coin or currency that, at the time of payment, is legal tender for public and private debts. \". In addition, Public Law 73-10 further states The validity of H.J.R. 192 ( Pub\nlic Law 73-10 ) was upheld in the Supreme Court case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). This case held that H.J.R. 192 is lawful.\n\nThese are all actions pertaining to your present and immediate antecedent corporations to which you are successors and any successors that follow ; in effect, it makes all corporate and incorporated entities operating in this country or under our characters the debtor with respect to We the People.\n\nAll state-national citizens are the banks ' priority creditors. Likewise, we are their employer, not co-workers or dependents.\n\nDue to the Private Certificate of Birth, Social Security and Driver License accounts having been held in Trust for use as currency credits with the grantor ( Me ) as the beneficiary of them in the capacity as Private Banker ( Authorized Representative ) to issue drafts and order monies from them, and pursuant to : the declared bankruptcy of the United States under Public Law 10 : Chap. 48, 48 Stat. 112 formerly H.J.R. 192 of XX/XX/XXXX of 31 U.S.C 5118 ( d ) ( 2 ), the Emergency Banking Relief Act of March 9, 1933, and Public Law 73-1, 48 Stat.1., all forms of currency are an individual 's credit per public Policy, PL, 73-10 and are the said individuals ' Estate property in accord with Corpus Juris Secundum Trust Law. \n\nIn accordance with all laws known to man, and as a beneficiary of the imposed bankruptcy are my federal subcontractors and their state-of-state franchise subcontractors, this transaction is warranted and directed to be redeemed or processed in lawful money pursuant to your federal title, 12 U.S.C. Section 411, by my authority as the living receiver and in my capacity as a private banker empowered to issue the estates ' credit.\n\nLiving lawful people are not dead and are not to be presumed to be 'infant decedents '' in the sense of having relinquished their inheritance by any proxy, and they are not to be construed as corporations or incorporated entities either. Any such interpretation of my living presence or abuse of judicial discretion in a non-judicial court setting contrived under the color of law amounts to well-organized international crimes including personage, barratry, identity theft, unlawful conversion, conspiracy to evade constitutional obligation, inland piracy, racketeering, and more.\n\nPay special attention to 27 CFR 72.11 with respect to the obligations of corporations engaged in debt collection from the territorial and municipal citizenry and the definition of appurtenant crimes : \" Commercial crimes. 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 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  All XXXXXXXX state assemblies are now properly populated and in session, with the result that the presumption of territorial custodianship is overturned. \n\nThere is, therefore, no presumption of authority available to the territorial or municipal governments with respect to Arizonans or American State Nationals, that is, the general populace, apart from those delegated tasks and responsibilities set forth by their respective Constitutions : the Constitution of the United States and the Constitution of the United States of America, to which Arizona is now a party and which I, as Arizonans and as an American State National, have every right to enforce.\n\nAll XXXX  state assemblies are now properly populated and in session, with the result that the presumption of territorial custodianship is overturned. \n\nThere is, therefore, no presumption of authority available to the territorial or municipal governments with respect to Arizonans or American State Nationals, that is, the general populace, apart from those delegated tasks and responsibilities set forth by their respective Constitutions : the Constitution of the United States and the Constitution of the United States of America, to which Arizona is now a party and which I, as Arizonans and as an American State National, have every right to enforce.\n\nThis is your full, complete, and correct notice that the banks referenced in this communication and their officers are all in violation of my constitutional guarantees per Article IVprotection of my person from unlawful arrest and detentionArticle VI, which makes it clear that this is the Supreme Law of the Land on which I stand under the Public Lawand Amendment XI of both constitutions, which makes it clear that no American is subject to foreign law, that is, codes, regulations, or statutes published by corporations that are in fact my debtors and employees.\n\nHere is what your Supreme Court had to say...\n\n\" The common law is the real law, the Supreme Law of the Land ; the codes, rules, regulations, policies, and statues are not the law. '' If you have any questions, please address them at XXXX XXXX XXXX","date_sent_to_company":"2024-02-21T01:38:56.000Z","issue":"False statements or representation","sub_product":"Credit card debt","zip_code":"85204","tags":null,"has_narrative":true,"complaint_id":"8382569","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2024-02-21T01:19:05.000Z","state":"AZ","company_public_response":null,"sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["<em>States</em> ( 28 U.S.C . : 3002 ) and the <em>United</em> <em>States</em> of America ( File number XXXX ) are <em>under</em> <em>bankruptcy</em> and international law, having been dissolved by the Emergency Banking Act, XX/XX/XXXX, XXXX Stat. 1, Public Law 89-719, declared by President Roosevelt as being bankrupt and insolvent, <em>House</em> <em>Joint</em> Resolution ( H.J.R. ) 192, 73rd Congress in session XX/XX/XXXX, XXXXjoint resolution to suspend th\n\ne Republic 's constitutionally mandated and agreed-upon gold standard, abrogate the gold clause, etcetera"]},"sort":[15.810193,"8382569"]},{"_index":"complaint-public-v1","_id":"2748407","_score":14.632401,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I contacted the XXXX XXXX XXXX requesting that this loan be discharged in accordance with House Joint Regulation 192 of 1933. So far, they have not taken action. I have confirmation from a certified return receipt that they received my request XX/XX/XXXX. Here is the authority listed that explains HRJ-192 and public law 73-10.\n\nHJR-192 AND PUBLIC LAW 73-10 LAWS THAT GOVERN ELECTRONIC FUNDS TRANSFER INSTRUMENTS, AND MONEY The Federal Government took our lawful money out of circulation in 1933 but Congress had to provide the people a remedy. Public Law : \" Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. This has been one of the best kept secrets in this Bankrupt Nation.\n\nThey took everything including all property and titles to property and left us only with an ability to discharge debt and create money through our signature and they never bothered to tell us.\n\nWe create money when we apply for bank loans with our signature. It is our signature and credit in our ability to work that creates the money of account and this has been the case since 1933. The banks have a monopoly to our credit and for this \" service '' they charge principal and interest on nonexistent money all the time giving the impression they lent us their money and this is fraud because they never revealed where the money came from. This is true for Credit Card accounts and Mortgages.\n\n1. House Joint Resolution. 73rd Congress. Session 1. Chapters 48 & 49. June 5, 6, 1933 H.J.R. 192. 1491 Public Law 1 48 Stat 1confirmed in XXXX v. U.S. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as ~Title 31 United States Code ( USC ) 5112, 5119 and again 12 USC 95a . When a government goes bankrupt, it loses its sovereignty.\n\n2. Public Law 10 Chapter 48, 48 Stat. 112. 3. Public Law 73-10 40 Stat 411 4. Trading With the Enemy Act ( TWEA )\nOCT 6, 1917 1 ) That, Legal tender under the Uniform Commercial Code ( U.C.C. ), Section 1-201 ( 24 ) ( Official Comment ) ; The referenced Official Comment notes that the definition of money is not limited to legal tender under the U.C.C. The test adopted is that of sanction of government, whether by authorization before issue of adoption afterward, which recognizes the circulating medium as a part of the official currency of that government. The narrow view that money is limited to legal tender is rejected.Under HJR 192 XXXX XXXX 1933 and validated in XXXX above the nation is bankrupt and to support the bankruptcy my signature as a man created the currency of the realm for the transaction making me the Creditor. The existing state of emergency is verified ~Title 12 95, 95a, 95b and 411 Should this be doubted then these two quotes ( of many more ) verify the truth since the principal part of any thing is the beginning. Maxim of Law Banks can not lend depositors money to borrowers without the depositors written authorization, in reality, banks do not lend their depositors money. ~12 U.S.C. 1828.\n\nAs the situation stands at present, the banker is in a unique position. He has probably the only known instance, in business of the possibility of lending something without parting with anything, and making a profit on the transaction, obtaining in the first instance his commodity free. ~XXXX XXXX XXXX in a speech in XXXX in XX/XX/XXXX. ( XXXX XXXX Decision, creating money from thin air ) A national bank has no power to lend its credit to any person or corporation. ~XXXX vXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  certiorari denied in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A bank is not the holder in due course upon merely\ncrediting the depositors account. XXXX XXXX  v. XXXX XXXX XXXX XXXX XXXX XXXX 2 ) That, the Federal Reserve Bank in\nits booklet ; XXXX XXXX XXXX page 3, states ; In the United States neither paper currency nor deposits have as commodities. Intrinsically, a dollar bill is just a piece of paper, deposits merely book entries.\n\n3 ) That the giving a ( federal reserve ) note does not constitute payment. See XXXX v XXXX XXXX XXXX XXXX XXXX.\n\n4 ) That the use of a ( federal reserve ) 'Note ' is only a promise to pay. See XXXX XXXX v XXXX XXXX XXXX XXXX.\n\n5 ) That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See XXXX v XXXX XXXX XXXX XXXX 6 ) That ( federal reserve ) 'Notes d\no not operate as payment in the absences of an agreement that they shall constitute payment. ' See XXXX XXXX XXXX v XXXX XXXX XXXX XXXX XXXX\n\n7 ) Also, Federal Reserve Notes are valueless. See IRS Codes Section XXXX ( XXXX ) XXXX ). \n8 ) In light of the holding of XXXX XXXX XXXX vs. XXXX XXXX XXXX XXXX ( XXXX ),  take notice of ... As of XX/XX/XXXX, legal tender for discharge of debt is no longer required. That is because legal tender is not in circulation at par with promises to pay credit. There can be no requirement of repayment in legal tender either, since legal tender was not loaned [ nor in circulation ] and repayment [ or payment ] need only be made in equivalent kind ; A negotiable instrument.\n\n9 ) U.C.C. 3-603 ; If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender ...\n\n10 ) ORS 81.010 Effect of unaccepted offer in writing to pay or deliver. An offer in writing to pay a particular sum of money or to deliver a written instrument or specific personal property is, if not accepted, equivalent to the actual production and tender of the money, instrument or property. ( the latter here operates via the rule of Para Materia in Tennessee. ) 11 ) That because of failure of a lawful consideration the Note and Mortgage are null and void See XXXX XXXX XXXX XXXX XXXX v XXXX XXXX case # XXXX ( XXXX ) .THEREFORE, in light of the above, under necessity, having no other means to pay debts at law, but being estopped and denied access to lawful constitutional money of exchange, the undersigned can only exercise the remedy under necessity to set off/discharge the 'debt/liability '.\n\nYour Affiant, flesh and blood with PRE-PAID EXEMPT status as a current Creditor of the U.S. CORPORATION since its bankruptcy in 1933 and with full understanding of how the monetary system works. Federal laws prohibits any banks from loaning against its own credit and customers deposits, so my signature creates the asset of these funds which you then monetized to your gain ten ( 10 ) times, then my signature does certainly pay this supposed liability ; THEREIN, you are required by LAW to accept this EFT instrument and credit the above account, in honor, within 24 hours upon acceptance pursuant to U.C.C. 3-501.\n\nAny dishonor will be construed as a commercial injury, violation of agreement, fraud, fraud by scienter, violation of commercial law and otherwise. UCC codes used in verified tender of payment 1-201 general definitions governing eft 10. CONSPICUOUS EFT in red 3-311 ( d ). Receipt of an instrument is satisfaction 3-501- ( 4 ) day after day of receipt 3-603 tender of payment ( b ) refusal is discharge ( c ) able & ready to pay at every place of a payment stated Your Affiant has claimed, maintain, and have at all times has retained his Constitutionally secured Rights especially, but not limited to, all aspects of this instant matter ; XXXX v. XXXX , XXXX XXXX , XXXX at XXXX Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences.","date_sent_to_company":"2017-12-07T18:22:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92127","tags":"Servicemember","has_narrative":true,"complaint_id":"2748407","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-12-07T18:22:42.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>House</em> <em>Joint</em> Resolution. 73rd Congress. Session 1. Chapters 48 & 49. June 5, 6, 1933 H.J.R. 192. 1491 Public Law 1 48 Stat 1confirmed in XXXX v. U.S. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as ~Title 31 <em>United</em> <em>States</em> Code ( USC ) 5112, 5119 and again 12 USC 95a . When a government goes bankrupt, it loses its sovereignty.\n\n2. Public Law 10 Chapter 48, 48 Stat. 112. 3. Public Law 73-10 40 Stat 411 4."]},"sort":[14.632401,"2748407"]},{"_index":"complaint-public-v1","_id":"2748406","_score":14.592457,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I contacted the Department of Education requesting that this loan be discharged in accordance with House Joint Regulation 192 of XXXX. So far, they have not taken action. I have confirmation from a certified return receipt that they received my request XX/XX/XXXX. Here is the authority listed that explains HRJ-192 and public law 73-10. \n\nHJR-192 AND PUBLIC LAW XXXX LAWS THAT GOVERN ELECTRONIC FUNDS TRANSFER INSTRUMENTS, AND MONEY The Federal Government took our lawful money out of circulation in XXXX but Congress had to provide the people a remedy. Public Law : \" Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. This has been one of the best kept secrets in this Bankrupt Nation. They took everythin\ng including all property and titles to property and left us only with an ability to discharge debt and create money through our signature and they never bothered to tell us. \nWe create money when we apply for bank loans with our signature. It is our signature and credit in our ability to work that creates the money of account and this has been the case since XXXX. The banks have a monopoly to our credit and for this \" service '' they charge principal and interest on nonexistent money all the time giving the impression they lent us their money and this is fraud because they never revealed where the money came from. This is true for Credit Card accounts and Mortgages. \n1. House Joint Resolution. 73rd Congress. Session 1. Chapters 48 & 49. XX/XX/XXXX H.J.R. 192. 1491 Public Law 1 48 Stat 1confirmed in ~XXXX v. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX, as well as ~Title 31 United States Code ( USC ) 5112, 5119 and again 12 USC 95a . When a government goes bankrupt, it loses its sovereignty. \n2. Public Law 10 Chapter 48, 48 Stat. 112. \n3. Public Law 73-10 40 Stat 411 4. Trading With the Enemy Act ( TWEA ) XX/XX/XXXX 1 ) That, Legal tender under the Uniform Commercial Code ( U.C.C. ), Section 1-201 ( 24 ) ( Official Comment ) ; The referenced Official Comment notes that the definition of money is not limited to legal tender under the U.C.C. The test adopted is that of sanction of government, whether by authorization before issue of adoption afterward, which recognizes the circulating medium as a part of the official currency of that government. The narrow view that money is limited to legal tender is rejected.Under HJR 192 XX/XX/XXXX and validated in XXXX above the nation is bankrupt and to support the bankruptcy my signature as a man created the currency of the realm for the transaction making me the Creditor. The existing state of emergency is verified ~Title 12 95, 95a, 95b and 411 Should this be doubted then these two quotes ( of many more ) verify the truth since the principal part of any thing is the beginning.  Maxim of Law Banks can not lend depositors money to borrowers without the depositors written authorization, in reality, banks do not lend their depositors money. ~12 U.S.C. 1828.\n\nAs the situation stands at present, the banker is in a unique position. He has probably the only known instance, in business of the possibility of lending something without parting with anything, and making a profit on the transaction, obtaining in the first instance his commodity free. ~XXXX XXXX XXXX in a speech in XXXX in XXXX. ( XXXX XXXX Decision, creating money from thin air ) A national bank has no power to lend its credit to any person or corporation. XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, certiorari denied in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nA bank is not the holder in due course upon merely crediting the depositors account. Bankers XXXX v. XXXX, XXXX NYS XXXX XXXX, XXXX. \n2 ) That, the Federal Reserve Bank in its booklet ; XXXX XXXX XXXX page 3, states ; In the United States neither paper currency nor deposits have as commodities. Intrinsically, a dollar bill is just a piece of paper, deposits merely book entries. \n3 ) That the giving a ( federal reserve ) note does not constitute payment. See XXXX v  XXXX XXXX, XXXX XXXX XXXX. \n4 ) That the use of a ( federal reserve ) 'Note ' is only a promise to pay. See XXXX XXXX v XXXX, XXXX XXXX XXXX. \n5 ) That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See XXXX v XXXX, XXXX XXXX XXXX. \n6 ) That ( federal reserve ) 'Notes do not operate as payment in the absences of an agreement that they shall constitute payment. ' See XXXX XXXX. XXXX v XXXX, XXXX XXXX XXXX XXXX. \n\n7 ) Also, Federal Reserve Notes are valueless. See IRS Codes Section 1.1001-1 ( 4657 ) C.C.H. ).\n\n8 ) In light of the holding of XXXX XXXX XXXX vs. XXXX, XXXX XXXX XXXX ( XXXX ), take notice of ... As of XX/XX/XXXX, legal tender for discharge of debt is no longer required. That is because legal tender is not in circulation at par with promises to pay credit. There can be no requirement of repayment in legal tender either, since legal tender was not loaned [ nor in circulation ] and repayment [ or payment ] need only be made in equivalent kind ; A negotiable instrument. \n\n9 ) U.C.C. 3-603 ; If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender ... \n10 ) ORS 81.010 Effect of unaccepted offer in writing to pay or deliver. An offer in writing to pay a particular sum of money or to deliver a written instrument or specific personal property is, if not accepted, equivalent to the actual production and tender of the money, instrument or property. ( the latter here operates via the rule of Para Materia in Tennessee. ) 11 ) That because of failure of a lawful consideration the Note and Mortgage are null and void See XXXX XXXX XXXX XXXX XXXX v XXXX XXXX, case # XXXX ( XXXX ) .THEREFORE, in light of the above, under necessity, having no other means to pay debts at law, but being estopped and denied access to lawful constitutional money of exchange, the undersigned can only exercise the remedy under necessity to set off/discharge the 'debt/liability '. \n\nYour Affiant, flesh and blood with PRE-PAID EXEMPT status as a current Creditor of the U.S.  CORPORATION since its bankruptcy in XXXX and with full understanding of how the monetary system works. Federal laws prohibits any banks from loaning against its own credit and customers deposits, so my signature creates the asset of these funds which you then monetized to your gain ten ( 10 ) times, then my signature does certainly pay this supposed liability ; THEREIN, you are required by LAW to accept this EFT instrument and credit the above account, in honor, within 24 hours upon acceptance pursuant to U.C.C. 3-501. \n\nAny dishonor will be construed as a commercial injury, violation of agreement, fraud, fraud by scienter, violation of commercial law and otherwise. UCC codes used in verified tender of payment 1-201 general definitions governing eft 10. CONSPICUOUS EFT in red 3-311 ( d ). Receipt of an instrument is satisfaction 3-501- ( 4 ) day after day of receipt 3-603 tender of payment ( b ) refusal is discharge ( c  ) able & ready to pay at every place of a payment stated Your Affiant has claimed, maintain, and have at all times has retained his Constitutionally secured Rights especially, but not limited to, all aspects of this instant matter ; XXXX v. XXXX XXXX XXXX XXXX , XXXX at XXXX. Waivers of Constitutional Rights must not  only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences.","date_sent_to_company":"2017-12-07T18:22:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92127","tags":"Servicemember","has_narrative":true,"complaint_id":"2748406","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-12-07T18:22:42.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>House</em> <em>Joint</em> Resolution. 73rd Congress. Session 1. Chapters 48 & 49. XX/XX/XXXX H.J.R. 192. 1491 Public Law 1 48 Stat 1confirmed in ~XXXX v. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX, as well as ~Title 31 <em>United</em> <em>States</em> Code ( USC ) 5112, 5119 and again 12 USC 95a . When a government goes bankrupt, it loses its sovereignty. \n2. Public Law 10 Chapter 48, 48 Stat. 112. \n3. Public Law 73-10 40 Stat 411 4."]},"sort":[14.592457,"2748406"]},{"_index":"complaint-public-v1","_id":"2748391","_score":14.592457,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I contacted the Department of Education requesting that this loan be discharged in accordance with House Joint Regulation 192 of XX/XX/XXXX. So far, they have not taken action. I have confirmation from a certified return receipt that they received my request XX/XX/XXXX. Here is the authority listed that explains HRJ-192 and public law 73-10. \n\nHJR-192 AND PUBLIC LAW 73-10 LAWS THAT GOVERN ELECTRONIC FUNDS TRANSFER INSTRUMENTS, AND MONEY The Federal Government took our lawful money out of circulation in XX/XX/XXXX but Congress had to provide the people a remedy. Public Law : \" Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. This has been one of the best kept secrets in this Bankrupt Nation. \n\nThey took everything including all property and titles to property and left us only with an ability to discharge debt and create money through our signature and they never bothered to tell us. \nWe create money when we apply for bank loans with our signature. It is our signature and credit in our ability to work that creates the money of account and this has been the case since XX/XX/XXXX. The banks have a monopoly to our credit and for this \" service '' they charge principal and interest on nonexistent money all the time giving the impression they lent us their money and this is fraud because they never revealed where the money came from. This is true for Credit Card accounts and Mortgages. \n1. House Joint Resolution. 73rd Congress. Session 1. Chapters 48 & 49. XX/XX/XXXX, XX/XX/XXXX H.J.R. 192. 1491 Public Law 1 48 Stat 1confirmed in ~XXXX v. U.S. ( 1935 ) 294 U.S. 330-381, 79 LEd 912, as well as ~Title 31 United States Code ( USC ) 5112, 5119 and again 12 USC 95a . When a government goes bankrupt, it loses its sovereignty. \n2. Public Law 10 Chapter 48, 48 Stat. 112.\n\n3. Public Law 73-10 40 Stat 411 4. Trading With the Enemy Act ( XXXX XXXX XX/XX/XXXX 1 ) That, Legal tender under the Uniform Commercial Code ( U.C.C. ), Section 1-201 ( 24 ) ( Official Comment ) ; The referenced Official Comment notes that the definition of money is not limited to legal tender under the U.C.C. The test adopted is that of sanction of government, whether by authorization before issue of adoption afterward, which recognizes the circulating medium as a part of the official currency of that government. The narrow view that money is limited to legal tender is rejected.Under HJR 192 XX/XX/XXXX and validated in XXXX above the nation is bankrupt and to support the bankruptcy my signature as a man created the currency of the realm for the transaction making me the Creditor. The existing state of emergency is verified ~Title 12 95, 95a, 95b and 411 Should this be doubted then these two quotes ( of many more ) verify the truth since the principal part of any thing is the beginning. Maxim of Law Banks can not lend depositors money to borrowers without the depositors written authorization, in reality, banks do not lend their depositors money. ~12 U.S.C. 1828. \n\nAs the situation stands at present, the banker is in a unique position. He has probably the only known instance, in business of the possibility of lending something without parting with anything, and making a profit on the transaction, obtaining in the first instance his commodity free. ~XXXX XXXX XXXX in a speech in XXXX in XXXX. ( XXXX XXXX Decision, creating money from thin air ) A national bank has no power to lend its credit to any person or corporation. XXXX v. XXXX XXXX . XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, certiorari denied in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. \nA bank is not the holder in due course upon merely crediting the depositors account. XXXX XXXX v. XXXX, XXXX NYS XXXX XXXX, XXXX. \n2 ) That, the Federal Reserve Bank in its booklet ; XXXX XXXX XXXX page 3, states ; In the United States neither paper currency nor deposits have as commodities. Intrinsically, a dollar bill is just a piece of paper, deposits merely book entries. \n3 ) That the giving a ( federal reserve ) note does not constitute payment. See XXXX v XXXX XXXX, XXXX XXXX XXXX. \n4 ) That the use of a ( federal reserve ) 'Note ' is only a promise to pay. See XXXX XXXX v XXXX, XXXX XXXX XXXX. \n5 ) That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See XXXX v XXXX, XXXX XXXX XXXX. \n6 ) That ( federal reserve ) 'Notes do not operate as payment in the absences of an agreement that they shall constitute payment. ' See XXXX XXXX. XXXX v XXXX, XXXX XXXX XXXX XXXX. \n\n7 ) Also, Federal Reserve Notes are valueless. See IRS Codes Section 1.1001-1 ( 4657 ) C.C.H. ). \n8 ) In light of the holding of XXXX XXXX XXXX vs. XXXX, XXXX XXXX XXXX ( XXXX ), take notice of ... As of XX/XX/XXXX, legal tender for discharge of debt is no longer required. That is because legal tender is not in circulation at par with promises to pay credit. There can be no requirement of repayment in legal tender either, since legal tender was not loaned [ nor in circulation ] and repayment [ or payment ] need only be made in equivalent kind ; A negotiable instrument. \n\n9 ) U.C.C. 3-603 ; If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender ... \n10 ) ORS 81.010 Effect of unaccepted offer in writing to pay or deliver. An offer in writing to pay a particular sum of money or to deliver a written instrument or specific personal property is, if not accepted, equivalent to the actual production and tender of the money, instrument or property. XXXX the latter here operates via the rule of XXXX XXXX in Tennessee. ) 11 ) That because of failure of a lawful consideration the Note and Mortgage are null and void See XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, case # XXXX ( XXXX ) .THEREFORE, in light of the above, under necessity, having no other means to pay debts at law, but being estopped and denied access to lawful constitutional money of exchange, the undersigned can only exercise the remedy under necessity to set off/discharge the 'debt/liability '. \n\nYour Affiant, flesh and blood with PRE-PAID EXEMPT status as a current Creditor of the U.S.  CORPORATION since its bankruptcy in XXXX and with full understanding of how the monetary system works. Federal laws prohibits any banks from loaning against its own credit and customers deposits, so my signature creates the asset of these funds which you then monetized to your gain ten ( 10 ) times, then my signature does certainly pay this supposed liability ; THEREIN, you are required by LAW to accept this EFT instrument and credit the above account, in honor, within 24 hours upon acceptance pursuant to U.C.C. 3-501. \n\nAny dishonor will be construed as a commercial injury, violation of agreement, fraud, fraud by scienter, violation of commercial law and otherwise. UCC codes used in verified tender of payment 1-201 general definitions governing eft 10. CONSPICUOUS EFT in red 3-311 ( d ). Receipt of an instrument is satisfaction 3-501- ( 4 ) day after day of receipt 3-603 tender of payment ( b ) refusal is discharge ( c  ) able & ready to pay at every place of a payment stated Your Affiant has claimed, maintain, and have at all times has retained his Constitutionally secured Rights especially, but not limited to, all aspects of this instant matter ; XXXX XXXX XXXX , XXXX XXXX , XXXX at XXXX. Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences.","date_sent_to_company":"2017-12-14T15:16:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92127","tags":"Servicemember","has_narrative":true,"complaint_id":"2748391","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2017-12-07T18:03:04.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>House</em> <em>Joint</em> Resolution. 73rd Congress. Session 1. Chapters 48 & 49. XX/XX/XXXX, XX/XX/XXXX H.J.R. 192. 1491 Public Law 1 48 Stat 1confirmed in ~XXXX v. U.S. ( 1935 ) 294 U.S. 330-381, 79 LEd 912, as well as ~Title 31 <em>United</em> <em>States</em> Code ( USC ) 5112, 5119 and again 12 USC 95a . When a government goes bankrupt, it loses its sovereignty. \n2. Public Law 10 Chapter 48, 48 Stat. 112.\n\n3. Public Law 73-10 40 Stat 411 4."]},"sort":[14.592457,"2748391"]},{"_index":"complaint-public-v1","_id":"6352404","_score":14.545895,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My Response : First of ALL the disputed was start back in XXXX of this year, see attached documents, when I sent a request in writing to the bank to request for a certified accounting statement of account. Secondly I sent another request for a validation of the debt and proof that the debt wasn't owed and already tender by the form of tender of payment of negotiable instrument. As result I have sent documents to verify that the debt was already discharged by the CFO of the company.I gave the bank 3 MONTHS to prove me wrong, Still tell this day that still haven't provided proof ... NOW THEY OWE ME SEE ATTACHED INVOICE Affidavit that Im the CREDITOR, and everything is PREPAID! \n\n\nReference : American Jurisprudence 2d State & Federal Consumer and Borrower Protection and Contractors Bonds Fonseca, Handling Consumer Credit cases 3d, 8:2 The extent to which the Truth in Lending Act applies to particular persons or transactions is governed by the definitions supplied by the Act. A basic definition is of the term \" credit, '' which means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. The consumers ; consumer credit is backed by the collateral of my birth-right, Im Indigenous to the land and my signature on the application. One of the purposes of the Truth in Lending Act is the protection of credit consumers. The Act provides that the word \" consumer, '' used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. A number of cases have construed this provision. Whether an investment loan is for a personal or business purpose requires a case by case analysis. ' The term \" consumer credit '' is not defined in the Act itself, but the implementing regulation defines such a term as credit offered or extended to a consumer primarily for personal, family, or household purposes. The United States Supreme Court has held that in every \" consumer credit '' transaction, two elements must be present : the party to whom the credit is extended must be a natural person, and the money, property, or services received by that person must be primarily for personal, family, or household purposes. \n\nCommonly referred to in the cases as the \" Federal Reserve Board. '' A person '' means a natural person or an organization I An \" organization means a corporation, government, or governmental subdivision or agency, trust, estate, partnership, co-operative, or association. The term \" creditor '' is redefined to mean only the person to whom the debt is initially payable! The purpose of the Truth in lending Act is to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. The Act is designed to remedy problems caused by ignorance of the nature of credit obligations and costs divergent and sometimes fraudulent practices with regard to information, credit terms, as a result of which many consumers have been prevented from shopping for the best credit terms available and, at times, have been promoted to assume burdensome liabilities. \nFurthermore, it is the purpose of the Act to promote the informed use of credit by requiring creditors to disclose the true cost of consumer credit. \n\nNOTICE TO FIRST PROGRESS BANK FOR EMBEZZLEMENT, THEFT BY DECEPTION & EXTORTION FAILING TO DISCHARGE ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49. JUNE 5, 6,1933 HR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 but not limited to : Since House Joint Resolution 192 ( HJR 192 ) ( Public law 7310 ) was passed in 1933 we have only had debt, because all property and gold was seized by the government as collateral in the bankruptcy of the United States . In 1863 the first Bank Act was passed. The Office of the Comptroller of the Currency ( or OCC ) is a US federal agency established by the National Currency Act of 1863 and serves to charter, regulate, and supervise all national banks and the federal branches and agencies of foreign banks in the United States.\n\nThe OCC was created by Abraham Lincoln to fund the American Civil War but was later transformed into a regulatory agency to instill confidence in the National Banking system and protect consumers from misleading business practices. The Lieber Code, or General Order 100 was also created by Abraham Lincoln in 1863. The National Bank Act ( ch. 58, 12 Stat. 665, February 25, 1863 ) was a United States federal law that established a system of national charters for banks, the United States national banks. It encouraged development of a national currency based on bank holdings of the U.S. Treasury securities, the so-called National Bank Notes . It also established the Office of the Comptroller of the Currency ( OCC ) as part of the Department of the Treasury. This was to establish a national security holding body for the existence of the monetary policy of the state. \nThe Act, together with Abraham Lincoln 's issuance of \" greenbacks '', raised money for the federal government in the American Civil War by enticing banks to buy federal bonds and taxing state bank issued currency out of existence. The law proved defective and was replaced by the National Bank Act of 1864. The money was used to fund the Union army in the fight against the Confederacy. This authorized the OCC to examine and regulate nationally-chartered banks. \nThe above only partially begins to include the historical records and other Acts of Congress that proves the US bankruptcy of 1933 and that there is no money, only credit that the American People are the Creditors.\n\nAll credit card companies knowingly have been sending their ( customers ) dividends but, in fact, making each recipient believe that dividend was an invoice for services provided by the credit card companies.\n\nThe Credit Card Companies have mailed through the US Mail an intentional misrepresentation of facts, unfair business practices and each credit card company and agents thereof have knowingly with forethought and malice created a fraudulent debt, defrauding the Creditor, that is the recipient of said dividends, that the credit card companies lead the recipient to believe through deception is an invoice.\n\nThe Credit Card Companies in turn then extract through extortionate measures payment from the customers instead of the credit card companies informing those same recipients that this dividend is in actuality payment to the recipient as a charged off debt pursuant to the incorporated in entirety documented evidence provided herein.\n\nALL credit card companies have thus created a convertible and fraudulent debt. ( see ANALYSIS OF A COUNTRY EMBEZZLED ). Every/all credit card companies have failed to pay off any of the public debt but rather unlawfully redirected ill-gotten gains into private corporate accounts through embezzlement, theft by deception, fraudulent conversion, and in violation to each all incorporated in entirety laws established through and as a result of the US Bankruptcy of 1933 , wherein there is no money, only \" bank Notes '' which are but only a promise to pay. Thus all debts are to be discharged as agreed, but The Credit Card Companies ( and banks ) through their greed have not discharged any debt, fraudulently making the creditor customer deeper in debt by credit card companies use of \" Bank Notes '' or \" promissory Notes '' that the credit card companies add to the public debt side of the books rather than discharging the debts as stipulated in Public Laws, House Resolutions, and House Joint Resolutions. Additionally, the alleged invoices sent to every recipient is a dividend an/or a coupon to the recipient. The credit card companies all know this to be a fact. \nThe Comptroller of The Currency also knows all of the above to be irrefutable facts, but is acting as a money laundering agency by/for/through/ the privately owned Federal Reserve, in Washington XXXX DC, et al XXXX The Comptroller of the Currency at County, State, and Federal level all know the incorporated documents and testimony to be true, but have yet to discharge any of the public debt, therefore have misappropriated funds through embezzlement, theft by deception, obtaining money through false pretenses, extortion and other predicate acts since the date of Comptroller of the Currency inception of 1863. All credit card companies, which are private for profit corporations, regardless of location, are knowingly participating in the fraud and Ponzi scheme with the intent to fraudulently convert this and every other country 's wealth into private industry accounts by fraudulent conveyance, embezzlement, theft by deception, creating fraudulent debts, Ponzi scheme and fraud through the US Mail, just for starters.\n\nEvery judge and every attorney in America, especially those who hold positions with several direct connections into the credit card companies bank accounts and acting as attorneys for the banks, most presumably in all other countries as well, since they all get their instructions from England the same place that all the banks get their instructions through the Comptroller of The Currency headquarters in London England, each knowing the above and incorporated to be true, since they are well versed on the US Bankruptcy of 1933 and that America still remains to date in a state of Emergency and operates under English Law, though that also is supposed to be a well kept secret.\n\nThis means there \" IS NO MONEY. '' It further means that since there is no money American 's signatures are used as the credit to run this country. That in turn means that it is the American people who are the Creditors not the Debtors, as the banks and credit card companies would like everyone to believe.\n\nThe Credit Card Companies have been operating with this knowledge with intent, forethought and malice to commit the crimes mentioned herein but not limited to. Due to the facts incorporated herein in entirety, all debts are to be charged off, including but not limited to every alleged credit card invoice, which each/all have actually been a dividend, for which every credit card company embezzled payment through fraud, using extortion and other threats to discontinue service if \" Payment is not made. These alleged invoices were dividends that every credit card company using deceptive business practice lead the public to believe were debts owed, when it is a fact that it is the utilities companies who owe the American public all those fraudulently received ill gotten gains plus the interest, stocks, bonds and other proceeds derived therefrom. All utilities companies are now put on notice that all debts are to be charged off pursuant to the stipulated and incorporated herein Acts et al. \n\nCreditors Under the Truth in Lending Act, the term \" creditor '' refers only to a person who both regularly extends, whether in connection with loans, sales of Hahn v Hank 's Ambulance Service , Inc. ( CA11 Ala ) 787 F2d 543, reh den, en banc ( CA11 Ala ) 792 F2d 1126.\n\n15 USCS 1602 ( e ).\n\nLaw Reviews : The Scope of the Truth-In-Lending Act and Regulation Z. 30 Prac Law 39, October 15, 1984.\n\nAnnotations : Application of Truth in Lending Act ( 15 USCS 1601 et seq. ) to loans which are void under state laws, 54 ALR Fed 15 USCS 1602 ( h ). \n\nSelman y Manor Mortg. Co. ( ED Mich ) 551 F Supp 345 ; Anderson v Foothill Industrial Bank ( Wyo ) 674 P2d 232.","date_sent_to_company":"2022-12-23T02:31:38.000Z","issue":"Improper use of your report","sub_product":"General-purpose credit card or charge card","zip_code":"20743","tags":null,"has_narrative":true,"complaint_id":"6352404","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synovus Bank","date_received":"2022-12-23T00:58:27.000Z","state":"MD","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["JUNE 5, 6,1933 HR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 but not limited to : Since <em>House</em> <em>Joint</em> Resolution 192 ( HJR 192 ) ( Public law 7310 ) was passed in 1933 we have only had debt, because all property and gold was seized by the government as collateral in the <em>bankruptcy</em> of the <em>United</em> <em>States</em> . In 1863 the first Bank Act was passed."]},"sort":[14.545895,"6352404"]},{"_index":"complaint-public-v1","_id":"3161736","_score":14.426074,"_source":{"product":"Mortgage","complaint_what_happened":"Greetings, Well, after 3 mouths the facts have not been answered on this matter. I have sent Nation Star Mortgage documents of all facts on this issue. The fact that you have not rebutted proof of claim point by point. I will now inform you I'm of the age of Majority, of sound mind and competent to testify. The fact of the matter is I signed a promissory note for value and Nation star Mortgage has accepted the note as Legal Tender. All Promissory notes are a tender of payment of a obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. The promissory note under Title 7 CODE OF FEDERAL REGULATIONS 1951.15- Return of paid-in-full or satisfied notes to borrower. The notes will be returned to the borrower after the payment in full or execute an appropriate affidavit regarding the lost notes. I have requesting a affidavit of truth requesting that you produce my wet ink note which has been dis-honored. Code of federal regulations 1901.503 Definitions. ( 1 ) - ( 19 ) insurance of notes and 1901.508 Servicing of insured notes outstanding with investors. The holder will endorse the insured note as follows : \" Pay to the order of the United States of America. Without recourse ''. As the facts I have stated in our contract # XXXX Conditional Acceptance for the Value/Agreement/ Counter Offer to Acceptance of Offer. The Obligation 's of public debt of the United States of America is discharged though the banks. Nation star Mortgage Services has refused to answer my questions with detailed specific answers, we will presume that there is a concealment of material of facts and that the promissory note has been altered and stolen and that I provided the money that Nation star Mortgage claims have lent to me. If you claim that there is an agreement and a loan, then you must stop concealing material facts, answer my questions, and tell me if the promissory note was recorded as a loan from me to Nation Star or the Promissory note was stolen. According to my records, the promissory note was stolen or recorded as a loan from me to Nation Star and that Nation Star never paid one cent as adequate consideration to purchase the promissory note from me creating the economics similar to stealing, counterfeiting and swindling. I am now demanding that you either stop concealing material facts and answer my questions if you claim that there is an agreement or that you return the stolen promissory note. If you claim that the promissory note was a loan from me to Nation Star Mortgage, I demand that you immediately repay the loan by returning the promissory note and stop the damage to me. I am hereby offering to discharge the alleged debt provided that you give specific answers to my questions regarding the alleged debt and I will payoff or discharged the alleged debt using the same specie of funds or money or money equivalent that Nation Star Mortgage used to fund the alleged loan or similar instrument thus ending all liens and interests. One of the requirements of a negotiable instrument is that the instrument must be payable for a fixed amount of money. My question is, from your point of view according to your understanding of the agreement, is money deposited recorded as a bank asset or as a bank liability? Please list all forms of money or negotiable instruments you and Nation Star Mortgage are involved in, issuing the alleged loan, use as or like or as a substitute as money or credit used to fund checks or bank drafts. Specifically, did you or Nation Star Mortgage use my promissory as a bank asset which was offset by a bank liability? Specifically was my promissory note used to fund a check or bank draft? If my promissory note was used to fund a check, then I provided the money to fund the so called loan and you never lent me one cent of your money to purchase the note from me. Therefore, the economics are similar to stealing, counterfeiting and swindling against me, which I never agreed to and which is not part of the agreement. According to me if you used my promissory note to fund a check, you stole my promissory note or you recorded it as a loan from me to you and you still owe me money that you never lent me. Stealing changed the cost and the risk of the transaction. I want to know specifically did you intend to create the economics similar to stealing my promissory note as part of the agreement? Please answer yes or no. If you refuse to tell me, then we have fraud in the factum, which makes you no longer the holder in due course. No title passes with a theft. Since the promissory note is forged, and no good title passes with a forged document, you are not the holder. I demand that the stolen forged promissory note now be returned or you answer all of my questions in this notice and previous notices explaining the terms and conditions of the alleged agreement concerning the economics similar to stealing, counterfeiting and swindling. To be a holder in due course you must perform the following 3 deeds : 1. Purchase the promissory note from me. 2. Take the promissory note  in good faith using honesty, absence of malice and the absence of design to defraud or seek an unconscionable advantage ( See XXXX XXXX XXXX for good faith ) and 3. Have no notice of any defenses against payment of other claims on the promissory note. Nation Star Mortgage agreed to the following general terms and conditions of the loan agreement : 1. Nation Star Mortgage must use their money or credit as adequate consideration to purchase the agreement from me to repay the loan. 2. Nation Star Mortgage involved in the alleged loan did not accept anything of value from me that would be used to fund a check or similar instrument in approximately the amount of the alleged loan. 3. Nation Star Mortgage must follow Generally accepted accounting principles as required by CPA audit opinions. 4. The intent of the agreement is the party who funded the loan is to be repaid the money. 5. All material facts are to be disclosed in the writing agreement.6. The holder must repay the loan in the same specie of money or credit or thing of value the financial institution involved in the loan used to fund the loan check or similar instrument, thus ending all interest and liens. 7. The loan transaction does not create the economics similar to stealing, counterfeiting and swindling. The agreement that I entered into has the above seven elements in it. According to the bookkeeping entries, Nation Star Mortgage breached all seven basic elements of the agreement and Nation Star Mortgage and then concealed material facts of the agreement. I am demanding adequate assurance of due performance that the above seven elements are part of the loan agreement or I demand that the Nation Star Mortgage return a XXXX loan balance. \nThe question is Why you Can not produce the promissory note? Answer is because they are a bill of exchange, legal tender and used to discharge public debt. NOTICE OF MEMORANDUM OF LAW POINTS AND AUTHORITIES IN SUPPORT OF INTERNATIONAL BILL OF EXCHANGE Points and Authorities in Support of International Bills of Exchange or International Promissory Note Those who constitute an association nationwide of private, unincorporated persons engaged in the business of banking to issue notes against these obligations of the United States due them ; whose private property is at risk to collateralize the governments debt and currency, by legal definitions, a national banking association ; such notes, issued against these obligations of the United States to that part of the public debt due its Principals and Sureties are required by law to be accepted as legal tender of payment for all debts public and private, and are defined in law as obligations of the United States, on the same par and category with Federal reserve notes and other currency and legal tender obligations. RE : Item tendered for Discharge of Debt. TENDER OF DEBT BY THE PEOPLE i.e. the SURETY IS AN OBLIGATION OF THE U.S. TREASURY ( The instrument tendered to whomever, and negotiated to the United States Treasury for settlement, is an Obligation of THE UNITED STATES, under Title 18USC Sect.8, representing, as the definition provides, a certificate of indebtedness .drawn upon an authorized officer of the United States , ( in this instance the Secretary of the Treasury ) issued under an Act of Congress ( see : public law 73-10, HJR-192 of 1933, Title 31 USC 3123 and 31 USC 5103 ) and by treaty ( see : UNITED NATIONS CONVENTION ON INTERNATIONAL BILLS OF EXCHANGE AND INTERNATIONAL PROMISSORY NOTES ( UNCITRAL ) and the Universal Postal Union headquartered in XXXX, XXXX ) . TITLE 18 & gt ; PART I & gt ; CHAPTER 1 & gt ; Sec. 1. & gt ; Sec. 8. Sec. 8. Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency,  Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. The International Bill of Exchange is legal tender as a national bank note, or note of a National Banking Association, by legal and/or statutory definition ( UCC 4-105, 12CFR Sec. 229.2, 210.2, 12 USC 1813 ), issued under Authority of the United States Code 31 USC 392, 5103, which officially defines this as a statutory legal tender and is issued in accordance with 31 USC 3123 and HJR 192 ( 1933 ) which establish and provide for its issuance as Public Policy in remedy for discharge of equity  interest recovery on that portion of the public debt to its Principals and Sureties bearing the Obligations of THE UNITED STATES. This is a statutory remedy for equity interest recovery due the principles and sureties of the United States for discharge of lawful debts in commerce in conjunction with US obligations to that portion of the public debt it is intended to reduce. During the financial crisis of the depression in XXXX, gold, silver and real money were removed as a foundation for our financial system. In its place the substance of the American citizenry : their real property, wealth, assets and productivity that belongs to them was, in effect, pledged by the government and placed at risk as the collateral for US debt, credit and currency for commerce to function. This is well documented in the actions of Congress and the President at that time and in the Congressional debates that preceded the adoption of the reorganizational measures : Senate Document No. 43, 73rd Congress, 1st Session, stated, Under the new law the money is issued to the banks in return for Government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances. The money will be worth XXXX cents on the debt because it is backed by the credit of the nation. It will represent a mortgage on all the homes and other property of all the people in the Nation. ( Which lawfully belongs to these private citizens. ) The National Debt is defined as mortgages on the wealth and income of the people of a country. ( XXXX XXXX, XXXX. ) Their wealth, their income. The reorganization is evidenced by : The Emergency Banking Act, XX/XX/XXXX, House Joint Resolution 192, XX/XX/XXXX XXXX public law 73-10 ) And the series of Executive Orders that surrounded them : 6073- Reopening of Banks. Embargo on Gold Payments and Exports, and Limitations on Foreign Exchange Transactions. XX/XX/XXXX 6111-Transactions in foreign exchange are permitted under Governmental Supervision. XX/XX/XXXX XXXX Forbidding the hoarding of gold coin, gold bullion and gold certificates. XX/XX/XXXX On XX/XX/XXXX, Congress had passed An Act to provide for the establishment of Federal reserve banks, to furnish an elastic currency, to afford a means of rediscounting commercial paper, to establish a more effective supervision of banking in the United States, and for other purposes. The Act is commonly known as the Federal Reserve Act. One of the purposes for enacting the Federal Reserve Act was : ( 3 ) to authorize hypothecation of obligations including United States bonds or other securities which Federal reserve Banks are authorized to hold under Section 14 ( a ) ; 12 USC ; ch. 6, 38 Stat. 251 Sect 14 ( a ) The term hypothecation as stated in Section 14 ( a ) of the Act is defined : 1. Banking. Offer of stocks, bonds, or other assets owned by a party other than the borrower as collateral for a loan, without transferring title. If the borrower turns the property over to the lender who holds it for safekeeping, the action is referred to as a pledge. If the borrower retains possession, but gives the lender the right to sell the property in event of default, it is a true hypothecation. 2. Securities. The pledging of negotiable securities to collateralize a brokers margin loan. The broker pledges the same securities to a bank as collateral for a brokers loan, the process is referred to as re-hypothecation. [ XXXX XXXX XXXX XXXX, XXXX, pg. 228 ( XXXX ) ] As seen from the definitions, in hypothecation there is equitable risk to the actual owner. Section 16 of the current Federal Reserve Act, which is codified at 12 USC 411, declares that Federal Reserve Notes are obligations of the United States. So we see the full faith and credit of the United States, which is the substance of the American citizenry, their real property, wealth, assets and productivity that belongs to them, is thereby hypothecated and re-hypothecated by the United States to its obligations as well as to the Federal Reserve for the issuance and backing of Federal Reserve Notes, as legal tender, for all taxes, customs, and other public dues. TITLE 12 & gt ; CHAPTER 3 & gt ; SUBCHAPTER XII & gt ; Sec. 411. Sec. 411. Issuance to reserve banks ; nature of obligation ; redemption Federal Reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. The commerce and credit of the nation continues on today under financial reorganization ( Bankruptcy ) as it has since XXXX, still backed by the assets and wealth of the American citizenry, at risk for the governments obligations and currency. Under the 14th amendment and numerous Supreme Court precedents, as well as in equity, Private property can not be taken or pledged for public use without just compensation, or due process of law. \nI have signed the promissory note for value and they were accepted by Nation Star Mortgage as legal tender. I have also mailed XXXX/Nation Star Mortgage a Tender of payment Offering under the Federal Emergency Relief Act of XXXX. AN ACT To provide for cooperation by the Federal Government with the several States and Territories and the District of Columbia in relieving the hardship and suffering caused by ( Sec. 4. ( a ) ) Out of the funds to provide the necessities of life to persons in need as a result of the present emergency, and/or to their dependents, whether resident, transient, or homeless. - The Federal Emergency Relief Act of XXXX Approved, XX/XX/XXXX ( Sec. 4. ( a ) ) \" The ownership of all property is in the state by virtue of the government \" Under the new law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation. It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, XX/XX/XXXX on HR 1491 p. 83. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal Reserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption ( XXXX XXXX, XXXX, ch. 6, 16 ( par. ), 38 Stat. 265 ; XXXX XXXX, XXXX, ch. 6, 2 ( b ) ( 1 ), 48 Stat. 337 ; XXXX XXXX, XXXX, ch. 614, title II, 203 ( a ), 49 Stat. 704. ) You are hereby notified that I do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligations and must be handled in accord with the dictates of statute. I accept the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. You are to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. I have giving you instructions on my tender of payment. Nation Star Mortgage Kept the original GOVERNMENT OBLIGATIONs REMITTANCE COUPON. Which means that we are in a agreement that the debt is discharged. You have accepted the tender of payment. INTENTIONS : The above United States government obligations is hereby accepted and acknowledged and I do assign and pledge the total value of the obligation to the United States of America through the United States Department of the Treasury to be redeemed for value and receivable at the Federal Reserve, the Federal Reserve Bank, and/or any member bank and/or national Association as prescribed by statute ( the act of XX/XX/XXXX ; the act of XX/XX/XXXX ; 12 USC 411 ; 18 USC 8 ; and the intentions of the United States Congress concerning THE CURRENT SERIOUS NATIONAL EMERGENCY ). Discharging of Government Obligations Acct # XXXX Beneficial Interest Holder and Citizen of the United States of America \" Since XX/XX/XXXX, the United States has been in A STATE OF DECLARED NATIONAL EMERGENCY. '' Senate Report 93-549, XX/XX/XXXX ; Public Law 94-112 - XX/XX/XXXX 7 CFR 1901.508 Servicing of insured notes outstanding with investors. ( i ) endorse the insured note as follows : Pay to the order of .. Without recourse. The holder will then deliver the endorsed note, to the Director, Finance Office. ( ii ) On receipt of the endorsed note the Director, Finance Office, will acknowledge receipt of the note and process payment to the assignor of the par value of the note as of the date of the Treasury check. The United States can not pledge or risk the property and wealth of its private citizens, for any government purpose, without legally providing them remedy to recover what is due them on their risk. This principle is so well established in English common law and in the history of American jurisprudence. The 14th amendment provides : no person shall be deprived ofproperty without due process of law. The Courts have long ruled to have ones property legally held as collateral or surety for a debt, even when he still owns it and still has it, is to deprive him of it since it is at risk and could be lost for the debt at any time. The United States Supreme Court said, in United States v. XXXX [ 13 Wall, 623, 627 ], Private property, the Constitution provides, shall not be taken for public use without just compensation. The right of subrogation is not founded on contract. It is a creature of equity ; is enforced solely for the purpose of accomplishing the ends of substantial justice ; and is independent of any contractual relations between the parties. XXXX XXXX XXXX XXXX XXXX XXXX v. XXXX, 120 U.S. 287, 301-302 ( XXXX ). The rights of a surety to recovery on his risk or loss when standing for the debts of another was reaffirmed again as late as XXXX in XXXX v. XXXX XXXX. XXXX, 371 U.S. 132, when the Court said : sureties compelled to pay debts for their principal have been deemed entitled to reimbursement, even without a contractual promise And probably there are few doctrines better established XXXX XXXX XXXX, 5th edition, defines surety : One who undertakes to pay or to do any other act in event that his principal fails therein. Everyone who incurs a liability in person or estate for the benefit of another, without sharing in the consideration, stands in the position of a surety. Constitutionally, and in the laws of equity, the United States could not borrow or pledge the property and wealth of its private citizens, put at risk as collateral for its currency and credit, without legally providing them equitable remedy for recovery of what is due them. The United States government, of course, did not violate the law or the Constitution in this way in order to collateralize its financial reorganization, but did, in fact, provide such a legal remedy so that it has been able to continue on since XXXX to hypothecate the private wealth and assets of those classes of persons by whom it is owned, at risk backing the governments obligations and currency, by their implied consent, through the government having provided such remedy, as defined and codified above, for recovery of what is due them on their assets and wealth at risk. The provisions for this are found in the same act of Public Policy HJR-192, public law 73-10 that suspended the gold standard, abrogated the right to demand payment in gold, and made Federal Reserve notes for the first time legal tender, backed by the substance or credit of the nation. All US currency since that time is only credit against the real property, wealth and assets belonging to the private sovereign American people, taken and/or pledged by THE UNITED STATES to its secondary creditors as security for its obligations. Consequently, those backing the nations credit and currency could not recover what was due them by anything drawn on Federal Reserve notes without expanding their risk and obligation to themselves. Any recovery payments backed by this currency would only increase the public debt its citizens were collateral for, which an equitable remedy was intended to reduce, and in equity would not satisfy anything. And there was, as still, no longer actual money of substance to pay anybody. There are other serious limitations on our present system. Since the institution of these events, for practical purposes of commercial exchange, there has been no actual money in circulation by which debt owed from one party to another can actually be repaid. Federal Reserve Notes, although made legal tender for all debts public and private in the reorganization, can only discharge a debt. Debt must be paid with value or substance ( i.e. gold, silver, barter, labor, or a commodity ). For this reason HJR-192 ( 1933 ),  which established the public policy of our current monetary system, repeatedly uses the technical term of discharge in conjunction with payment in laying out public policy for the new system.","date_sent_to_company":"2019-02-24T21:44:18.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"43725","tags":"Servicemember","has_narrative":true,"complaint_id":"3161736","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2019-02-24T20:39:33.000Z","state":"OH","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["value, of whatever denomination, issued <em>under</em> any Act of Congress, and canceled <em>United</em> <em>States</em> stamps."]},"sort":[14.426074,"3161736"]},{"_index":"complaint-public-v1","_id":"3171785","_score":14.420571,"_source":{"product":"Mortgage","complaint_what_happened":"TO USAA FEDERAL SAVINGS BANK BOARD OF DIRECTORS. REGARDING NOTE FOR XXXX ON XX/XX/XXXX AND CURRENT NOTE XXXX ON XX/XX/XXXX. PRODUCE THE NOTES. Greetings, Well, after 7 mouths the facts have not been answered on this matter. I have sent USAA FEDERAL SAVINGS BANK documents of all facts on this issue. The fact that you have not rebutted the proof of claim point by point. I will now inform you I'm of the age of Majority, of sound mind and competent to testify. The fact of the matter is I signed 4 promissory notes for value and USAA FEDERAL SAVINGS BANK has accepted the notes as Legal Tender. All Promissory notes are a tender of payment of a obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. The promissory notes under Title 7 CODE OF FEDERAL REGULATIONS 1951.15- Return of paid-in-full or satisfied notes to borrower. The notes will be returned to the borrower after the payment in full or execute an appropriate affidavit regarding the lost notes. I have requested a affidavit of truth, requesting that you produce my wet ink note and the satisfied note, which has been dis-honored. Code of federal regulations 1901.503 Definitions. ( 1 ) - ( 19 ) insurance of notes and 1901.508 Servicing of insured notes outstanding with investors. The holder will endorse the insured note as follows : \" Pay to the order of the United States of America. Without recourse ''. As the facts I have stated in our contract # XXXX Conditional Acceptance for the Value/Agreement/ Counter Offer to Acceptance of Offer. The Obligation 's of public debt of the United States of America is discharged though the banks. USAA FEDERAL SAVINGS BANK has refused to answer my questions with detailed specific answers, we will presume that there is a concealment of material of facts and that the promissory note has been altered and stolen and that I provided the money that USAA FEDERAL SAVINGS BANK claims have lent to me. If you claim that there is an agreement and a loan, then you must stop concealing material facts, answer my questions, and tell me if the promissory note was recorded as a loan from me to USAA FEDERAL SAVINGS BANK or the Promissory note was stolen. According to my records, the promissory note was stolen or recorded as a loan from me to USAA and that USAA never paid XXXX cent as adequate consideration to purchase the promissory note from me creating the economics similar to stealing, counterfeiting and swindling. I am now demanding that you either stop concealing material facts and answer my questions if you claim that there is an agreement or that you return the stolen promissory note. If you claim that the promissory note was a loan from me to USAA FEDERAL SAVINGS BANK, I demand that you immediately repay the loan by returning the promissory note and stop the damage to me. I am hereby offering to discharge the alleged debt provided that you give specific answers to my questions regarding the alleged debt and I will payoff or discharged the alleged debt using the same specie of funds or money or money equivalent that USAA FEDERAL SAVINGS BANK used to fund the alleged loan or similar instrument thus ending all liens and interests. One of the requirements of a negotiable instrument is that the instrument must be payable for a fixed amount of money. My question is, from your point of view according to your understanding of the agreement, is money deposited recorded as a bank asset or as a bank liability? Please list all forms of money or negotiable instruments you and USAA FEDERAL SAVINGS BANK are involved in, issuing the alleged loan, use as or like or as a substitute as money or credit used to fund checks or bank drafts. Specifically, did you or USAA FEDERAL SAVINGS BANK use my promissory as a bank asset which was offset by a bank liability? Specifically was my promissory note used to fund a check or bank draft? If my promissory note was used to fund a check, then I provided the money to fund the so called loan and you never lent me XXXX cent of your money to purchase the note from me. Therefore, the economics are similar to stealing, counterfeiting and swindling against me, which I never agreed to and which is not part of the agreement. According to me if you used my promissory note to fund a check, you stole my promissory note or you recorded it as a loan from me to you and you still owe me money that you never lent me. Stealing changed the cost and the risk of the transaction. I want to know specifically did you intend to create the economics similar to stealing my promissory note as part of the agreement? Please answer yes or no. If you refuse to tell me, then we have fraud in the factum, which makes you no longer the holder in due course. No title passes with a theft. Since the promissory note is forged, and no good title passes with a forged document, you are not the holder. I demand that the stolen forged promissory note now be returned or you answer all of my questions in this notice and previous notices explaining the terms and conditions of the alleged agreement concerning the economics similar to stealing, counterfeiting and swindling. To be a holder in due course you must perform the following 3 deeds : 1. Purchase the promissory note from me. 2. Take the promissory note in good faith using honesty, absence of malice and the absence of design to defraud or seek an unconscionable advantage ( See Blacks Law Dictionary for good faith ) and 3. Have no notice of any defenses against payment of other claims on the promissory note. USAA FEDERAL SAVINGS BANK agreed to the following general terms and conditions of the loan agreement : 1. USAA FDERAL SAVINGS BANK must use their money or credit as adequate consideration to purchase the agreement from me to repay the loan. 2. USAA FEDERAL SAVINGS BANK involved in the alleged loan did not accept anything of value from me that would be used to fund a check or similar instrument in approximately the amount of the alleged loan. 3. USAA FEDERAL SAVINGS BANK must follow Generally accepted accounting principles as required by CPA audit opinions. 4. The intent of the agreement is the party who funded the loan is to be repaid the money. 5. All material facts are to be disclosed in the writing agreement.6. The holder must repay the loan in the same specie of money or credit or thing of value the financial institution involved in the loan used to fund the loan check or similar instrument, thus ending all interest and liens. 7. The loan transaction does not create the economics similar to stealing, counterfeiting and swindling. The agreement that I entered into has the above seven elements in it. According to the bookkeeping entries, USAA FEDERAL SAVINGS BANK breached all seven basic elements of the agreement and USAA FEDERAL SAVINGS BANK and then concealed material facts of the agreement. I am demanding adequate assurance of due performance that the above seven elements are part of the loan agreement or I demand that the USAA FEDERAL SAVINGS BANK return a XXXX loan balance. The question is Why you Can not produce the promissory note? Answer is because they are a bill of exchange, legal tender and used to discharge public debt. NOTICE OF MEMORANDUM OF LAW POINTS AND AUTHORITIES IN SUPPORT OF INTERNATIONAL BILL OF EXCHANGE Points and Authorities in Support of International Bills of Exchange or International Promissory Note Those who constitute an association nationwide of private, unincorporated persons engaged in the business of banking to issue notes against these obligations of the United States due them ; whose private property is at risk to collateralize the governments debt and currency, by legal definitions, a national banking association ; such notes, issued against these obligations of the United States to that part of the public debt due its Principals and Sureties are required by law to be accepted as legal tender of payment for all debts public and private, and are defined in law as obligations of the United States, on the same par and category with Federal reserve notes and other currency and legal tender obligations. RE : Item tendered for Discharge of Debt. TENDER OF DEBT BY THE PEOPLE i.e. the SURETY IS AN OBLIGATION OF THE U.S. TREASURY ( The instrument tendered to whomever, and negotiated to the  United States Treasury for settlement, is an Obligation of THE UNITED STATES, under Title 18USC Sect.8, representing, as the definition provides, a certificate of indebtedness .drawn upon an authorized officer of the United States , ( in this instance the Secretary of the Treasury ) issued under an Act of Congress ( see : public law 73-10, HJR-192 of 1933, Title 31 USC 3123 and 31 USC 5103 ) and by treaty ( see : UNITED NATIONS CONVENTION ON INTERNATIONAL BILLS OF EXCHANGE AND INTERNATIONAL PROMISSORY NOTES ( UNCITRAL ) and the XXXX XXXX XXXX headquartered in XXXX, XXXX ) . TITLE 18 & gt ; PART I & gt ; CHAPTER 1 & gt ; Sec. 1. & gt ; Sec. 8. Sec. 8. Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. The International Bill of Exchange is legal tender as a national bank note, or note of a National Banking Association, by legal and/or statutory definition ( UCC 4-105, 12CFR Sec. 229.2, 210.2, 12 USC 1813 ), issued under Authority of the United States Code 31 USC 392, 5103, which officially defines this as a statutory legal tender and is issued in accordance with 31 USC 3123 and HJR 192 ( XXXX ) which establish and provide for its issuance as Public Policy in remedy for discharge of equity interest recovery on that portion of the public debt to its Principals and Sureties bearing the Obligations of THE UNITED STATES. This is a statutory remedy for equity interest recovery due the principles and sureties of the United States for discharge of lawful debts in commerce in conjunction with US obligations to that portion of the public debt it is intended to reduce. During the financial crisis of the depression in XXXX, gold, silver and real money were removed as a foundation for our financial system. In its place the substance of the American citizenry : their real property, wealth, assets and productivity that belongs to them was, in effect, pledged by the government and placed at risk as the collateral for US debt, credit and currency for commerce to function. This is well documented in the actions of Congress and the President at that time and in the Congressional debates that preceded the adoption of the reorganizational measures : Senate Document No. 43, 73rd Congress, 1st Session, stated, Under the new law the money is issued to the banks in return for Government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances. The money will be worth XXXX cents on the debt because it is backed by the credit of the nation. It will represent a mortgage on all the homes and other property of all the people in the Nation. ( Which lawfully belongs to these private citizens. ) The National Debt is defined as mortgages on the wealth and income of the people of a country. ( XXXX XXXX, XXXX. ) Their wealth, their income. The reorganization is evidenced by : The Emergency Banking Act, XX/XX/XXXX, House Joint Resolution 192, XX/XX/XXXX ( public law 73-10 ) And the series of Executive Orders that surrounded them : 6073- Reopening of Banks. Embargo on Gold Payments and Exports, and Limitations on Foreign Exchange Transactions. XX/XX/XXXX 6111-Transactions in foreign exchange are permitted under Governmental Supervision. XX/XX/XXXX 6102 Forbidding the hoarding of gold coin, gold bullion and gold certificates. XX/XX/XXXX On XX/XX/XXXX, Congress had passed An Act to provide for the establishment of Federal reserve banks, to furnish an elastic currency, to afford a means of rediscounting commercial paper, to establish a more effective supervision of banking in the United States, and for other purposes. The Act is commonly known as the Federal Reserve Act. One of the purposes for enacting the Federal Reserve Act was : ( 3 ) to authorize hypothecation of obligations including United States bonds or other securities which Federal reserve Banks are authorized to hold under Section 14 ( a ) ; 12 USC ; ch. 6, 38 Stat. 251 Sect 14 ( a ) The term hypothecation as stated in Section 14 ( a ) of the Act is defined : 1. Banking. Offer of stocks, bonds, or other assets owned by a party other than the borrower as collateral for a loan, without transferring title. If the borrower turns the property over to the lender who holds it for safekeeping, the action is referred to as a pledge. If the borrower retains possession, but gives the lender the right to sell the property in event of default, it is a true hypothecation. 2. Securities. The pledging of negotiable securities to collateralize a brokers margin loan. The broker pledges the same securities to a bank as collateral for a brokers loan, the process is referred to as re-hypothecation. [ Dictionary Of Banking Terms, Fitch, pg. 228 ( XXXX ) ] As seen from the definitions, in hypothecation there is equitable risk to the actual owner. Section 16 of the current Federal Reserve Act, which is codified at 12 USC 411, declares that Federal Reserve Notes are obligations of the United States. So we see the full faith and credit of the United States, which is the substance of the American citizenry, their real property, wealth, assets and productivity that belongs to them, is thereby hypothecated and re-hypothecated by the United States to its obligations as well as to the Federal Reserve for the issuance and backing of Federal Reserve Notes, as legal tender, for all taxes, customs, and other public dues. TITLE 12 & gt ; CHAPTER 3 & gt ; SUBCHAPTER XII & gt ; Sec. 411. Sec. 411. Issuance to reserve banks ; nature of obligation ; redemption Federal Reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. The commerce and credit of the nation continues on today under financial reorganization ( Bankruptcy ) as it has since XXXX, still backed by the assets and wealth of the American citizenry, at risk for the governments obligations and currency. Under the 14th amendment and numerous Supreme Court precedents, as well as in equity, Private property can not be taken or pledged for public use without just compensation, or due process of law. I have signed the promissory note for value and they were accepted by USAA FEDERAL SAVINGS BANK as legal tender. I have also mailed USAA FEDERAL SAVINGS BANK a Tender of payment Offering under the Federal Emergency Relief Act of XXXX. AN ACT To provide for cooperation by the Federal Government with the several States and Territories and the District of Columbia in relieving the hardship and suffering caused by ( Sec. 4. ( a ) ) Out of the funds to provide the necessities of life to persons in need as a result of the present emergency, and/or to their dependents, whether resident, transient, or homeless. - The Federal Emergency Relief Act of XXXX Approved, XX/XX/XXXX ( Sec. 4. ( a ) ) \" The ownership of all property is in the state by virtue of the government \" Under the new law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation. It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, XX/XX/XXXX on HR 1491 p. 83. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal Reserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption ( Dec. 23, 1913, ch. 6, 16 ( par. ), 38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ), 48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ), 49 Stat. 704. ) You are hereby notified that I do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligations and must be handled in accord with the dictates of statute. I accept the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. You are to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. I have giving you instructions on my tender of payment. USAA FEDERAL SAVINGS BANK Kept the original GOVERNMENT OBLIGATIONs REMITTANCE COUPON. Which means that we are in a agreement that the debt is discharged. You have accepted the tender of payment. INTENTIONS : The above United States government obligations is hereby accepted and acknowledged and I do assign and pledge the total value of the obligation to the United States of America through the United States Department of the Treasury to be redeemed for value and receivable at the Federal Reserve, the Federal Reserve Bank, and/or any member  bank and/or national Association as prescribed by statute ( the act ofXX/XX/XXXX ; the act of XX/XX/XXXX; 12 USC 411 ; 18 USC 8 ; and the intentions of the United States Congress concerning THE CURRENT SERIOUS NATIONAL EMERGENCY ). Discharging of Government Obligations Acct # 1803742129 Beneficial Interest Holder and Citizen of the United States of America \" Since XX/XX/XXXX, the United States has been in A STATE OF DECLARED NATIONAL EMERGENCY. '' Senate Report 93-549, July 24, 1973 ; Public Law 94-112 - XX/XX/XXXX 7 CFR 1901.508 Servicing of insured notes outstanding with investors. ( i ) endorse the insured note as follows : Pay to the order of .. Without recourse. The holder will then deliver the endorsed note, to the XXXXirector, Finance Office. ( ii ) On receipt of the endorsed note the Director, Finance Office, will acknowledge receipt of the note and process payment to the assignor of the par value of the note as of the date of the Treasury check. The United States can not pledge or risk the property and wealth of its private citizens, for any government purpose, without legally providing them remedy to recover what is due them on their risk. This principle is so well established in English common law and in the history of American jurisprudence. The 14th amendment provides : no person shall be deprived ofproperty without due process of law. The Courts have long ruled to have ones property legally held as collateral or surety for a debt, even when he still owns it and still has it, is to deprive him of it since it is at risk and could be lost for the debt at any time. The United States Supreme Court said, in United States v. XXXX [ 13 Wall, 623, 627 ], Private property, the Constitution provides, shall not be taken for public use without just compensation. The right of subrogation is not founded on contract. It is a creature of equity ; is enforced solely for the purpose of accomplishing the ends of substantial justice ; and is independent of any contractual  relations between the parties. XXXX & L. R. R. Co. v. Dow, 120 U.S. 287, 301-302 ( 1887 ). The rights of a surety to recovery on his risk or loss when standing for the debts of another was reaffirmed again as late as XXXX in XXXX v. XXXX XXXX. XXXX, 371 U.S. 132, when the Court said : sureties compelled to pay debts for their principal have been deemed entitled to reimbursement, even without a contractual promise And probably there are few doctrines better established Blacks Law Dictionary, 5th edition, defines surety : One who undertakes to pay or to do any other act in event that his principal fails therein. Everyone who incurs a liability in person or estate for the benefit of another, without sharing in the consideration, stands in the position of a surety. Constitutionally, and in the laws of equity, the United States could not borrow or pledge the property and wealth of its private citizens, put at risk as collateral for its currency and credit, without legally providing them equitable remedy for recovery of what is due them. The United States government, of course, did not violate the law or the Constitution in this way in order to collateralize its financial reorganization, but did, in fact, provide such a legal remedy so that it has been able to continue on since XXXX to hypothecate the private wealth and assets of those classes of persons by whom it is owned, at risk backing the governments obligations and currency, by their implied consent, through the government having provided such remedy, as defined and codified above, for recovery of what is due them on their assets and wealth at risk. The provisions for this are found in the same act of Public Policy HJR-192, public law 73-10 that suspended the gold standard, abrogated the right to demand payment in gold, and made Federal Reserve notes for the first time legal tender, backed by the substance or credit of the nation. All US currency since that time is only credit against the real property, wealth and assets belonging to the private sovereign American people, taken and/or pledged by THE UNITED STATES to its secondary creditors as security for its obligations. Consequently, those backing the nations credit and currency could not recover what was due them by anything drawn on Federal Reserve notes without expanding their risk and obligation to themselves. Any recovery payments backed by this currency would only increase the public debt its citizens were collateral for, which an equitable remedy was intended to reduce, and in equity would not satisfy anything. And there was, as still, no longer actual money of substance to pay anybody. There are other serious limitations on our present system. Since the institution of these events, for practical purposes of commercial exchange, there has been no actual money in circulation by which debt owed from one party to another can actually be repaid. Federal Reserve Notes, although made legal tender for all debts public and private in the reorganization, can only discharge a debt. Debt must be paid with value or substance ( i.e. gold, silver, barter, labor, or a commodity ). For this reason HJR-192 ( XXXX ), which established the public policy of our current monetary system, repeatedly uses the technical term of discharge in conjunction with payment in laying out public policy for the new system.","date_sent_to_company":"2019-03-06T23:32:01.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"43725","tags":"Servicemember","has_narrative":true,"complaint_id":"3171785","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2019-03-06T22:37:54.000Z","state":"OH","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["value, of whatever denomination, issued <em>under</em> any Act of Congress, and canceled <em>United</em> <em>States</em> stamps."],"company":["<em>UNITED</em> SERVICES AUTOMOBILE ASSOCIATION"]},"sort":[14.420571,"3171785"]},{"_index":"complaint-public-v1","_id":"3160282","_score":14.420571,"_source":{"product":"Mortgage","complaint_what_happened":"Greetings, Well, after 6 mouths the facts have not been answered on this matter. I have sent PHH Mortgage Services documents of all facts on this issue. The fact that you have not rebutted proof of claim point by point. I will now inform you I'm of the age of XXXX, of sound mind and competent to testify. The fact of the matter is I signed 2 promissory notes for value and PHH Mortgage Services has accepted these notes as Legal Tender. All of these Promissory notes are a tender of payment of a  obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. The two promissory notes under Title 7 CODE OF FEDERAL REGULATIONS 1951.15- Return of paid-in-full or satisfied notes to borrower. The notes will be returned to the borrower after the payment in full or execute an appropriate affidavit regarding the lost notes. I have requesting the return of these notes which are satisfied. The Code of federal regulations 1901.503 Definitions. ( 1 ) - ( 19 ) insurance of notes and 1901.508 ( i ) Servicing of insured notes outstanding with investors. The holder will endorse the insured note as follows : \" Pay to the order of the United States of America. Without recourse ''. Title 7 CFR 1901.508 ( ii ) On receipt of the note with the accompanying insurance agreement, the director, finance Office, will  acknowledge receipt of the note and process payment to the assignor of the par value of the note as of the date of the Treasury check. As the facts I have stated in our contract # XXXX Conditional Acceptance for the Value/Agreement/ Counter Offer to Acceptance of Offer. The Obligation 's of public debt of the United States of America is discharged though the banks. PHH Mortgage Services has refused to answer my questions with detailed specific answers, we will presume that there is a concealment of material of facts and that the promissory notes has been altered and stolen and that I provided the money that PHH Mortgage Services claims have lent to me. If you claim that there is an agreement and a loan, then you must stop concealing material facts, answer my questions, and tell me if the promissory notes was recorded as a loan from me to PHH Mortgage Services or the Promissory notes was stolen. According to my records, the promissory notes was stolen or recorded as a loan from me to PHH Mortgage Services and that PHH Mortgage Services never paid XXXX XXXX as adequate consideration to purchase the promissory note from me creating the economics similar to stealing, counterfeiting and swindling. I am now demanding that you either stop concealing material facts and answer my questions if you claim that there is an agreement or that you return the stolen promissory notes. If you claim that the promissory notes was a loan from me to PHH Mortgage Services, I demand that you immediately repay the loan by returning the promissory notes and stop the damage to me. I would like to know why XXXX XXXX signed my note pay to the order of herself XXXX XXXX  XXXX ASSISTANT VICE PRESIDENT. One of the requirements of a negotiable instrument is that the instrument must be payable for a fixed amount of money. My question is, from your point of view according to your understanding of the agreement, is money deposited recorded as a bank asset or as a bank liability? Please list all forms of money or negotiable instruments you and PHH Mortgage Services are involved in, issuing the alleged loan, use as or like or as a substitute as money or credit used to fund checks or bank drafts. Specifically, did you or PHH Mortgage  Services use my promissory as a bank asset which was offset by a bank liability? Specifically was my promissory notes used to fund a check or bank draft? If my promissory notes was used to fund a check, then I provided the money to fund the so called loan and you never lent me one cent of your money to purchase the notes from me. Therefore, the economics are similar to stealing, counterfeiting and swindling against me, which I never agreed to and which is not part of the agreement. According to me if you used my promissory notes to fund a check, you stole my promissory notes or you recorded it as a loan from me to you and you still owe me money that you never lent me. Stealing changed the cost and the risk of the transaction. I want to know specifically did you intend to create the economics similar to stealing my promissory notes as part of the agreement? Please answer yes or no. If you refuse to tell me, then we have fraud in the factum, which makes you no longer the holder in due course. No title passes with a theft. Since the promissory note is forged, and no good title passes with a forged document, you are not the holder. I demand that the stolen forged promissory notes now be returned or you answer all of my questions in this notice and previous notices explaining the terms and conditions of the alleged agreement concerning the economics similar to stealing, counterfeiting and swindling. To be a holder in due course you must perform the following 3 deeds : 1. Purchase the promissory notes from me. 2. Take the promissory notes in good faith using honesty, absence of malice and the absence of design to defraud or seek an unconscionable advantage ( See XXXX Law Dictionary for good faith ) and 3. Have no notice of any defenses against payment of other claims on the promissory note. PHH Mortgage Services agreed to the following general terms and conditions of the loan agreement : 1. PHH Mortgage Services must use their money or credit as adequate consideration to purchase the agreement from me to repay the loan. 2. PHH Mortgage Services involved in the alleged loan did not accept anything of value from me that would be used to fund a check or similar instrument in approximately the amount of the alleged loan. 3. PHH Mortgage Services must follow Generally accepted accounting principles as required by CPA audit opinions. 4. The intent of the agreement is the party who funded the loan is to be repaid the money. 5.  All material facts are to be disclosed in the writing agreement.6. The  holder must repay the loan in the same specie of money or credit or thing of value the financial institution involved in the loan used to fund the loan check or similar instrument, thus ending all interest and liens. 7. The loan transaction does not create the economics similar to stealing, counterfeiting and swindling. The agreement that I entered into has the above seven elements in it. According to the bookkeeping entries, PHH Mortgage Services breached all seven basic elements of the agreement and PHH Mortgage Servives and then concealed material facts of the agreement. I am demanding adequate assurance of due performance that the above seven elements are part of the loan agreement or I demand that the PHH Mortgage Services refund the value of the notes. The question is Why you Can not produce the promissory notes? Answer is because they are a bill of exchange, legal tender and used to discharge public debt. NOTICE OF MEMORANDUM OF LAW POINTS AND AUTHORITIES IN SUPPORT OF INTERNATIONAL BILL OF EXCHANGE Points and Authorities in Support of International Bills of Exchange or International Promissory Notes Those who constitute an association nationwide of private, unincorporated persons engaged in the business of banking to issue notes against these obligations of the United States due them ; whose private property is at risk to collateralize the governments debt and currency, by legal definitions, a national banking association ; such notes, issued against these obligations of the United States to that part of the public debt due its Principals and Sureties are required by law to be accepted as legal tender of payment for all debts public and private, and are defined in law as obligations of the United States, on the same par and category with Federal reserve notes and other currency and legal tender obligations. RE : Item tendered for Discharge of Debt. TENDER OF DEBT BY THE PEOPLE i.e. the SURETY IS AN OBLIGATION OF THE U.S. TREASURY ( The instrument tendered to whomever, and negotiated to the United States Treasury for settlement, is an Obligation of THE UNITED STATES, under Title 18USC Sect.8, representing, as the definition provides, a certificate of  indebtedness .drawn upon an authorized officer of the United States , ( in this instance the Secretary of the Treasury ) issued under an Act of Congress ( see : public law 73-10, HJR-192 of 1933, Title 31 USC 3123 and 31 USC 5103 ) and by treaty ( see : UNITED NATIONS CONVENTION ON INTERNATIONAL BILLS OF EXCHANGE AND INTERNATIONAL PROMISSORY NOTES ( UNCITRAL ) and the Universal Postal Union headquartered in Bern, Switzerland ) . TITLE 18 & gt ; PART I & gt ; CHAPTER 1 & gt ; Sec. 1. & gt ; Sec. 8. Sec. 8.  Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. The International Bill of Exchange is legal tender as a national bank note, or note of a National Banking Association, by legal and/or statutory definition ( UCC 4-105, 12CFR Sec. 229.2, 210.2, 12 USC 1813 ), issued under Authority of the United States Code 31 USC 392, 5103, which officially defines this as a statutory legal tender and is issued in accordance with 31 USC 3123 and HJR 192 ( 1933 ) which establish and provide for its issuance as Public Policy in  remedy for discharge of equity interest recovery on that portion of the public debt to its Principals and Sureties bearing the Obligations of THE UNITED STATES. This is a statutory remedy for equity interest recovery due the principles and sureties of the United States for discharge of lawful debts in commerce in conjunction with US obligations to that portion of the public debt it is intended to reduce. During the financial crisis of the depression in XX/XX/XXXX, gold, silver and real money were removed as a foundation for our financial system. In its place the substance of the American citizenry : their real property, wealth, assets and productivity that belongs to them was, in effect, pledged by the government and placed at risk as the collateral for US debt, credit and currency for commerce to function. This is well documented in the actions of Congress and the President at that time and in the Congressional debates that preceded the adoption of the reorganizational measures : Senate Document No. 43, 73rd Congress, 1st Session, stated, Under the new law the money is issued to the banks in return for Government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances. The money will be worth XXXX cents on the debt because it is backed by the credit of the nation. It will represent a mortgage on all the homes and other property of all the people in the Nation. ( Which lawfully belongs to these private citizens. ) The National Debt is defined as mortgages on the wealth and income of the people of a country. ( Encyclopedia XXXX, XX/XX/XXXX. ) Their wealth, their income. The reorganization is evidenced by : The Emergency Banking Act, XX/XX/XXXX, House Joint Resolution XXXX, XX/XX/XXXX ( public law 73-10 )  And the series of Executive Orders that surrounded them : XXXX Reopening of Banks. Embargo on Gold Payments and Exports, and Limitations on Foreign Exchange Transactions. XX/XX/XXXX 6111-Transactions in foreign exchange are permitted under Governmental Supervision. XX/XX/XXXX 6102 Forbidding the hoarding of gold coin, gold bullion and gold certificates. XX/XX/XXXX On XX/XX/XXXX, Congress had passed An Act to provide for the establishment of Federal reserve banks, to furnish an elastic currency, to afford a means of rediscounting commercial paper, to establish a more effective supervision of banking in the United States, and for other purposes. The Act is  commonly known as the Federal Reserve Act. One of the purposes for enacting the Federal Reserve Act was : ( 3 ) to authorize hypothecation of obligations including United States bonds or other securities which Federal reserve Banks are authorized to hold under Section 14 ( a ) ; 12 USC ; ch. 6, 38 Stat. 251 Sect 14 ( a ) The term hypothecation as stated in Section 14 ( a ) of the Act is defined : 1. Banking. Offer of stocks, bonds, or other assets owned by a party other than the borrower as collateral for a loan, without transferring title. If the borrower turns the property over to the lender who holds it for safekeeping, the action is referred to as a pledge. If the borrower retains possession, but gives the lender the right to sell the property in event of default, it is a true hypothecation. 2. Securities. The pledging of negotiable securities to collateralize a brokers margin loan. The broker pledges the same securities to a bank as collateral for a brokers loan, the process is referred to as re-hypothecation. [ Dictionary Of Banking Terms, XXXX, pg. XXXX ( XX/XX/XXXX ) ] As seen from the definitions, in hypothecation there is equitable risk to the actual owner. Section 16 of the current Federal  Reserve Act, which is codified at 12 USC 411, declares that Federal Reserve Notes are obligations of the United States. So we see the full faith and credit of the United States, which is the substance of the American citizenry, their real property, wealth, assets and productivity that belongs to them, is thereby hypothecated and re-hypothecated by the United States to its obligations as well as to the Federal Reserve for the issuance and backing of Federal Reserve Notes, as legal tender, for all taxes, customs, and other public dues. TITLE 12 & gt ; CHAPTER 3 & gt ; SUBCHAPTER XII & gt ; Sec. 411. Sec. 411. Issuance to reserve banks ; nature of obligation ; redemption Federal Reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. The commerce and credit of the nation continues on today under financial reorganization ( Bankruptcy ) as it has since XX/XX/XXXX, still backed by the assets and wealth of the American citizenry, at risk for the governments obligations and currency. Under the 14th amendment and numerous Supreme Court precedents, as well as in equity, Private property can not be taken or pledged for public use without just compensation, or due process of law .The company did what they said they would do with my complaintNoADDITIONAL COMMENTS I have signed four promissory notes for value and they were accepted by XXXX  as legal tender. I have also mailed XXXX/XXXX  XXXX XXXX a Tender of payment Offering under the Federal Emergency Relief Act of XXXX. AN ACT To provide for cooperation by the Federal Government with the several States and Territories and the District of Columbia in relieving the hardship and suffering caused by ( Sec. 4. ( a ) ) Out of the funds to provide the necessities of life to persons in need as a result of the present emergency, and/or to their dependents, whether resident, transient, or homeless. - The Federal Emergency Relief Act of XX/XX/XXXX Approved, XX/XX/XXXX ( Sec. 4. ( a ) ) \" The ownership of all property is in the state by virtue of the government \" Under the new law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation. It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, XX/XX/XXXX on HR 1491 p. 83. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any Federal Reserve bank. 12 U.S. Code 411 -  Issuance to reserve banks ; nature of obligation ; redemption ( XX/XX/XXXX, ch. 6, 16 ( par. ), 38 Stat. 265 ; XX/XX/XXXX, ch. 6, 2 ( b ) ( 1 ), 48 Stat. 337 ; XX/XX/XXXX, ch. 614, title II, 203 ( a ), 49 Stat. 704. ) You are hereby notified that I do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligations and must be handled in accord with the dictates of statute. I accept the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. You are to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX GOVERNMENT OBLIGATIONs REMITTANCE COUPON Pay and Pledged To the Order of : XXXX XXXX XXXX XXXX  ; Without recourse Amount of Obligation : ________________________________________________________________________ INTENTIONS : The above United States government obligations is hereby accepted and acknowledged and I do assign and pledge the total value of the obligation to the United States of America through the United States Department of the Treasury to be redeemed for value and receivable at the Federal Reserve, the Federal Reserve Bank, and/or any  member bank and/or national Association as prescribed by statute ( the act of XX/XX/XXXX ; the act of XX/XX/XXXX ; 12 USC 411 ; 18 USC 8 ; and the intentions of the United States Congress concerning THE CURRENT SERIOUS NATIONAL EMERGENCY ). Memo : Discharging of Government Obligations Acct # XXXX x__________________________________ Beneficial Interest Holder and Citizen of the United States of America `` Since XX/XX/XXXX, the  United States has been in A STATE OF DECLARED NATIONAL EMERGENCY. '' Senate Report XXXX, XX/XX/XXXX ; Public Law 94-112 - XX/XX/XXXX XXXX CFR 1901.508 Servicing of insured notes outstanding with investors. ( i ) endorse the insured note as follows : Pay to the order of .. Without recourse. The holder will then deliver the endorsed note, to the Director, Finance Office. ( ii ) On receipt of the endorsed note the Director, Finance Office, will acknowledge receipt of the note and process payment to the assignor of the par value of the note as of the date of the Treasury check. The United States can not pledge or risk the property and wealth of its private citizens, for any government purpose, without legally providing them remedy to recover what is due them on their risk. This principle is so well established in English common law and in the history of American jurisprudence. The 14th amendment provides : no person shall be deprived ofproperty without due process of law. The Courts have long ruled to have ones property legally held as collateral or surety for a debt, even when he still owns it and still has it, is to deprive him of it since it is at risk and could be lost for the debt at any time. The United States Supreme Court said, in United States v. XXXX [ XXXX XXXX, XXXX, XXXX ], Private property, the Constitution provides, shall not be taken for public use without just compensation. The right of subrogation is not founded on contract. It is a creature of equity ; is enforced solely for the purpose of accomplishing the ends of substantial justice ; and is independent of any contractual relations between the parties. XXXX XXXX XXXX XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX, XXXX ( XXXX ).  The rights of a surety to recovery on his risk or loss when standing for the debts of another was reaffirmed again as late as XXXX in XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX, when the Court said : sureties compelled to pay debts for their principal have been deemed entitled to reimbursement, even without a contractual promise And probably there are few doctrines better established XXXX Law Dictionary, 5th edition, defines surety : One who undertakes to pay or to do any other act in event that his principal fails therein. Everyone who incurs a liability in person or estate for the benefit of another, without sharing in the consideration, stands in the position of a surety. Constitutionally, and in the laws of equity, the United States could not borrow or pledge the property and wealth of its private citizens, put at risk as collateral for its currency and credit, without legally providing them equitable remedy for recovery of what is due them. The United States government, of course, did not violate the law or the Constitution in this way in order to collateralize its financial reorganization, but did, in fact, provide such a legal remedy so that it has been able to continue on since XXXX to hypothecate the private wealth and assets of those classes of persons by whom it is owned, at risk backing the governments obligations and currency, by their implied consent, through the government having provided such remedy, as defined and codified above, for recovery of what is due them on their assets and wealth at risk. The provisions for this are found in the same act of Public Policy HJR-192, public law 73-10 that suspended the gold standard, abrogated the right to demand payment in gold, and made Federal Reserve notes for the first time legal tender, backed by the substance or credit of the nation. All US currency since  that time is only credit against the real property, wealth and assets belonging to the private sovereign American people, taken and/or pledged by THE UNITED STATES to its secondary creditors as security for its obligations. Consequently, those backing the nations credit and currency could not recover what was due them by anything drawn on Federal Reserve notes without expanding their risk and obligation to themselves. Any recovery payments backed by this currency would only increase the public debt its citizens were collateral for, which an equitable remedy was intended to reduce, and in equity would not satisfy anything. And there was, as still, no longer actual money of substance to pay anybody. There are other serious limitations on our present system. Since the institution of these events, for practical purposes of commercial exchange, there has been no actual money in circulation by which debt owed from one party to another can actually be repaid. Federal Reserve Notes, although made legal tender for all debts public and private in the reorganization, can only discharge a debt. Debt must be paid with value or substance ( i.e. gold, silver, barter, labor, or a commodity ). For this reason HJR-192 ( 1933 ), which established the public policy of our current monetary system, repeatedly uses the technical term of discharge in conjunction with payment in laying out public policy for the new system.","date_sent_to_company":"2019-02-22T21:10:22.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"43725","tags":"Servicemember","has_narrative":true,"complaint_id":"3160282","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PHH Mortgage Services Corporation","date_received":"2019-02-22T20:27:57.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["value, of whatever denomination, issued <em>under</em> any Act of Congress, and canceled <em>United</em> <em>States</em> stamps."]},"sort":[14.420571,"3160282"]},{"_index":"complaint-public-v1","_id":"2748408","_score":13.2175665,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I contacted the Department of Education requesting that this loan be XXXX in accordance with House XXXX XXXX XXXX of XXXX. So far, they have not taken action. I have confirmation from a certified return receipt that they received my request XXXX XXXX, XXXX. Here is the authority listed that explains HRJ-192 and public law 73-10. \n\nHJR-192 AND PUBLIC LAW 73-10 LAWS THAT GOVERN ELECTRONIC FUNDS TRANSFER INSTRUMENTS, AND MONEY The Federal Government took our lawful money out of circulation in XXXX but Congress had to provide the people a remedy. Public Law : \" Chap. 48, 48 Stat. 112 ''  under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. This has been one of the best kept secrets in this Bankrupt Nation. \n\nThey took everything including all property and titles to property and left us only with an ability to discharge debt and create money through our signature and they never bothered to tell us. \nWe create money when we apply for bank loans with our signature. It is our signature and credit in our ability to work that creates the money of account and this has been the case since XXXX. The banks have a monopoly to our credit and for this \" service '' they charge principal and interest on nonexistent money all the time giving the impression they lent us their money and this is fraud because they never revealed where the money came from. This is true for Credit Card accounts and Mortgages. \n1. House Joint Resolution. 73rd Congress. Session 1. Chapters 48 & 49. XXXX XXXX, XXXX, XXXX H.J.R. XXXX. 1491 Public Law 1 48 Stat 1confirmed in ~XXXX XXXX XXXX. ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, as well as ~Title 31 United States Code ( USC ) 5112, 5119 and again 12 USC 95a . When a government goes bankrupt, it loses its sovereignty. \n2. Public Law 10 Chapter 48, 48 Stat. 112.\n\n3. Public Law 73-10 40 Stat 411 4. Trading With the Enemy Act ( TWEA ) XXXX XXXX, XXXX 1 ) That, Legal tender under the Uniform Commercial Code ( U.C.C. ), Section 1-201 (  24 ) ( Official Comment ) ; The referenced Official Comment notes that the definition of money is not limited to legal tender under the U.C.C. The test adopted is that of sanction of government, whether by authorization before issue of adoption afterward, which recognizes the circulating medium as a part of the official currency of that government. The narrow view that money is limited to legal tender is rejected.Under HJR 192 XXXX XXXX, XXXX and validated in XXXX above the nation is bankrupt and to support the bankruptcy my signature as a man created the currency of the realm for the transaction making me the Creditor. The existing state of emergency is verified ~Title 12 95, 95a, 95b and 411 Should this be doubted then these two quotes ( of many more ) verify the truth since the principal part of any thing is the beginning. Maxim of Law Banks can not lend depositors money to borrowers without the depositors written authorization, in reality, banks do not lend their depositors money. ~12 U.S.C. 1828. \n\nAs the situation stands at present, the banker is in a unique position. He has probably the only known instance, in business of the possibility of lending something without parting with anything, and making a profit on the transaction, obtaining in the first instance his commodity free. ~XXXX XXXX XXXX in a speech in XXXX in XXXX. ( XXXX XXXX Decision, creating money from thin air ) A national bank has no power to lend its credit to any person or corporation. XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, certiorari denied in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nA bank is not the holder in due course upon merely crediting the depositors account. XXXX XXXX v. XXXX, XXXX NYS XXXX XXXX, XXXX. \n2 ) That, the Federal Reserve Bank in its booklet ; MODERN MONEY MECHANICS page XXXX, states ; In the United States neither paper currency nor deposits have as commodities. Intrinsically, a dollar bill is just a piece of paper, deposits merely book entries. \n3 ) That the giving a ( federal reserve ) note does not constitute payment. See XXXX v XXXX XXXX, XXXX XXXX XXXX. \n4 ) That the use of a ( federal reserve ) 'Note ' is only a promise to pay. See XXXX XXXX v XXXX, XXXX XXXX XXXX. \n5 ) That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See XXXX v XXXX, XXXX XXXX XXXX. \n6 ) That ( federal reserve ) 'Notes do not operate as payment in the absences of an agreement that they shall constitute payment. ' See XXXX XXXX. XXXX v XXXX, XXXX XXXX XXXX XXXX. \n\n7 ) Also, Federal Reserve Notes are valueless. See IRS Codes Section 1.1001-1 ( 4657 ) C.C.H. ).\n\n8 ) In light of the holding of XXXX XXXX XXXX vs. XXXX, XXXX XXXX XXXX ( XXXX ), take notice of ... As of XXXX XXXX, XXXX, legal tender for discharge of debt is no longer required. That is because legal tender is not in circulation at par with promises to pay credit. There can be no requirement of repayment in legal tender either, since legal tender was not loaned [ nor in circulation ] and repayment [ or payment ] need only be made in equivalent kind ; A negotiable instrument. \n\n9 ) U.C.C. 3-603 ; If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender ... \n10 ) ORS 81.010 Effect of unaccepted offer in writing to pay or deliver. An offer in writing to pay a particular sum of money or to deliver a written instrument or specific personal property is, if not accepted, equivalent to the actual production and tender of the money, instrument or property. ( the  latter here operates via the rule of Para Materia in Tennessee. ) 11 ) That because of failure of a lawful consideration the Note and Mortgage are null and void See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, case # XXXX ( XXXX ) .THEREFORE, in light of the above, under necessity, having no other means to pay debts at law, but being estopped and denied access to lawful constitutional money of exchange, the undersigned can only exercise the remedy under necessity to set off/discharge the 'debt/liability '. \n\nYour Affiant, flesh and blood with PRE-PAID EXEMPT status as a current Creditor of the U.S. CORPORATION since its bankruptcy in 1933 and with full understanding of how the monetary system works. Federal laws prohibits any banks from loaning against its own credit and customers deposits, so my signature creates the asset of these funds which you then monetized to your gain ten ( 10 ) times, then my signature does certainly pay this supposed liability ; THEREIN, you are required by LAW to accept this EFT instrument and credit the above account, in honor, within 24 hours upon acceptance pursuant to U.C.C. 3-501. \n\nAny dishonor will be construed as a commercial injury, violation of agreement, fraud, fraud by scienter, violation of commercial law and otherwise. UCC codes used in verified tender of payment 1-201 general definitions governing eft 10. CONSPICUOUS EFT in red 3-311 ( d ). Receipt of an instrument is satisfaction 3-501- ( 4 ) day after day of receipt 3-603 tender of payment ( b ) refusal is discharge ( c ) able & ready to pay at every place of a payment stated Your Affiant has claimed, maintain, and have at all times has retained his Constitutionally secured Rights especially, but not limited to, all aspects of this instant matter ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX. Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences.","date_sent_to_company":"2017-12-07T18:22:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92127","tags":"Servicemember","has_narrative":true,"complaint_id":"2748408","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-12-07T18:22:42.000Z","state":"CA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>House</em> <em>Joint</em> Resolution. 73rd Congress. Session 1. Chapters 48 & 49. XXXX XXXX, XXXX, XXXX H.J.R. XXXX. 1491 Public Law 1 48 Stat 1confirmed in ~XXXX XXXX XXXX. ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, as well as ~Title 31 <em>United</em> <em>States</em> Code ( USC ) 5112, 5119 and again 12 USC 95a . When a government goes bankrupt, it loses its sovereignty. \n2. Public Law 10 Chapter 48, 48 Stat. 112.\n\n3. Public Law 73-10 40 Stat 411 4."]},"sort":[13.2175665,"2748408"]},{"_index":"complaint-public-v1","_id":"8018158","_score":11.936042,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"As Federally protected consumer, if I choose to go to Arbitration, submit a federal complaint, the account should automatically be placed in \" Do Not Pay '' status. If the consumer files bankruptcy, the consumer can no longer make any form of payment to the corporation. The fraudulent activity Bridgecrest Acceptance Corporation XXXX ( hereinafter B.A.C. XXXX  ) is doing, is attempting to extort and harass me for \" floating rate notes ''. Denying me My Right to submit other tenders of payment. According to the Emergency Banking Act, House Joint Resolution 192, and Securities Exchange Act 1934... ..Securities is the only way I can offset any debt or obligations.\n\nI'm filing a Federal complaint against B.A.C. XXXX for \" breach of contract ''. B.A.C. XXXX was notified XX/XX/XXXX and XXXX XXXX, XXXX via Registered Mail ( # XXXX ; # XXXX XXXX ) that this account was either going to arbitration or Federal Court. My last Registered Mail with a notarized letter stating my next action.\n\nB.A.C XXXX has a policy with instructions, \" All written communications concerning disputed amounts including any check or OTHER PAYMENT INSTRUMENT that indicates that the payment constitutes \" payment in full '' of the amount owed or that is tendered with other conditions or limitations or as full satisfaction of a disputed amount must be mailed or delivered to : XXXX XXXX XXXX XXXX, Arizona XXXX. \nAccording to SEC, B.A.C.XXXX and XXXX XXXX XXXX Treasuerer/ Senior Securitizer are the only ones I can bring to Federal Court . XXXX XXXXXXXX XXXX name is listed on the XXXX, XXXX, and XXXX forms on behalf of B.A.C. XXXX. \nXXXX XXXX signed these forms XX/XX/XXXX. This proclaims that he was responsible and competent for following the regulations of the SEC of 1934. XXXX XXXX has yet to respond to phone calls and my Registered mail. Mail that was sent directly to his personal office, never to the Lock Box address.\n\nTitle 18 U.S.C. 1348 states, \" Whoever knowingly executes or attempts to execute a scheme or artifice ( 1 ) To defraud any person in connection with any security of an issuer with a class of Securities registered under section 12 of the SEC ACT of 1934 ( 2 ) To obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery or any security of an issuer with a class of securities registered under section 12 of the SEC Act of 1934 ( 15 U.S.C. 781 ) or that is required to file reports under section 15 ( d ) of the SEC ACT of 1934- shall be fined under this title or imprisoned not more than XXXX  years.\n\nThe fraudulent accounting practices has caused me emotional, physical, and financial stress. B.A.C. XXXX continuous disregard for the SEC of 1934, Emergency Banking Act 1933, Bills of Exchange Act 1882, Privacy Act of 1974, Consumer Bill of Rights 1962, Truth-In-Lending Act 1968, Equal Credit Opportunity Act Regulation B, Uniform Commercial Code, and United States code.\n\nTitle 15 U.S.C. 1640, 1611 B.A.C.XXXX and XXXX XXXX XXXX will be held Civilly and Criminally liable for their actions. Title 16 U.S.C. 1635 I was never told about my Right to Rescission as to a certain transaction, nor given the proper Drivetime/B.A.C XXXX  rescission forms. \nBills of Exchange Act 1882 ( 2 ) Acceptance means an acceptance completed by delivery or notification. Part 43- Dishonor by non-acceptance and its consequences. ( 1 ) A bill is dishonored by non-acceptance ( 2 ) Subject to the provisions of this Act when a bill is dishonored by non-acceptance an immediate right of recourse against the drawer and indorses accrues to the Holder and no presentment for payment is necessary.\n\n12 CFR 1002 Equal Credit Opportunity Act Regulation B. Regulation B protects applicants from discrimination in any aspect of a credit transaction. Any false, misleading language fraud, makes the contract null and void.\n\n16 CFR 313.7 ( a ) A written opt out notice that the company was going to release my non-public personal information, to a non-affilate third party. Privacy Act 1974 violation. ( 1 ) Form of opt out Notice. If B.A.C. XXXX are required to provide an opt out Notice under 16 CFR 313.10 ( a ). B.A.C.XXXX must provide a clear and conspicuous notice to each of its consumers that accurately explains the right to opt under that section.\n\nThere are alot more violations I will bring up in my Federal Complaint.\n\nOnce again I revoke B.A.C.XXXX their Right to securities interest, right to repossess, any interest or principals. ( Third time ) My main reason for filing another CFPB complaint about the unfair accounting practices and reporting my non-public information to a non-affilate third party.","date_sent_to_company":"2023-12-19T04:40:30.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"28278","tags":null,"has_narrative":true,"complaint_id":"8018158","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2023-12-19T03:20:10.000Z","state":"NC","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["XXXX continuous disregard for the SEC of 1934, Emergency Banking Act 1933, Bills of Exchange Act 1882, Privacy Act of 1974, Consumer Bill of Rights 1962, Truth-In-Lending Act 1968, Equal Credit Opportunity Act Regulation B, Uniform Commercial Code, and <em>United</em> <em>States</em> code.\n\nTitle 15 U.S.C. 1640, 1611 B.A.C.XXXX and XXXX XXXX XXXX will be held Civilly and Criminally liable for their actions."]},"sort":[11.936042,"8018158"]},{"_index":"complaint-public-v1","_id":"2693631","_score":11.901154,"_source":{"product":"Mortgage","complaint_what_happened":"IN THE CIRCUIT COURT OF THE EIGHTEENTH JUDICIAL CIRCUIT IN AND FOR XXXX COUNTY, FLORIDA CIVIL DIVISION Case No. XXXX XXXX XXXX, XXXX Plaintiff, Loan No. XXXX v. \n\nXXXX XXXX XXXX, XXXX A/K/A/ XXXX XXXX XXXX \nXXXX ; XXXX XXXX XXXX ; UNKNOWN SPOUSE OF XXXX XXXX XXXX, XXXX A/K/A XXXX XXXX XXXX \nXXXX ; UNKNOWN SPOUSE OF XXXX XXXX \nXXXX ; UNKNOWN TENANT # 1 ; UNKNOWN TENANT # 2 ; ALL OTHER UNKNOWN PARTIES CLAIMING INTERESTS BY, THROUGH, UNDER, AND AGAINST A NAMED DEFENDANT ( S ) WHO ARE NOT KNOWN TO BE DEAD OR ALIVE, WHETHER SAME UNKNOWN PARTIES MAY CLAIM AN INTEREST AS SPOUSES, HEIRS, DEVISEES, GRANTEES, OR OTHER CLAIMAINTS, Defendants, COMPLAINT TO XXXX XXXX Requesting Time to complete Quiet Title procedure enforcement Presently the resolution department at XXXX XXXX is not honoring Article 12 of the Mortgage signed by XXXX XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX : Loan No. XXXX ; XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). This problem has been continual from the previous servicing companies. \nThis is not allowing me, the co-mortgagor/successor, to communicate and complete all procedures and/or any other instruments required regarding this loan. \nThe following issues are the reason the lender will not communicate with me : the deed ( XXXX XXXX XXXX XXXX XXXX ) reads as Tenants in Common ( based on the entitlement of interest ) but the mortgage reads as Joint Tenants ( equal share ). \nSpecial note : I was never allowed to sign the note to grant my portion of ownership of the property ; this is due to the mortgage being written as Joint Tenants. \nINTRODUCTION A. The borrower/co-mortgagor refinanced the home in XX/XX/XXXX ; borrower left the home in XX/XX/XXXX. The borrower abandoned the residence leaving the co-mortgagor to bear all household expenses.\n\nB. The borrowers mother moved into the home with co-mortgagor in XX/XX/XXXX due to being under XXXX XXXX and XXXX in XX/XX/XXXX. This was an additional expense to co-mortgagor. Co-mortgagor received no support of any type from the borrower. \nC. The borrower got married in XX/XX/XXXX and then filed bankruptcy ( reporting to the foreclosure courts his stand { XXXX XXXX XXXX  Register of Actions, Response dated XX/XX/XXXX } on our residences foreclosure process ). This item and his absence from any hearings regarding the foreclosure, conveys all interest in the property. \nD. Mortgagee still enforces the mortgage documents as a joint tenancy, and promissory note and stated they could not speak with the co-mortgagor ; disregarding Article 12 of the Mortgage. However, the mortgagee at that time verbally informed co-mortgagor to continue to make payments to the suspended account for one year and the borrowers name would be removed from the Deed and Mortgage. \nE. Co-mortgagor/successor continued to make payments ( based on Article 12 of the Mortgage ) toward the main objective for mortgage qualification payments placed in a suspended account from XX/XX/XXXX through XX/XX/XXXX ( over three years ). The mortgagee still enforcing the mortgage documents as a Joint Tenant refused to speak with me and continued with foreclosure proceedings. \nF. Co-mortgagor/successor was forced to file bankruptcy in order to halt the foreclosure, which damaged co-mortgagors credit. Co-mortgagor/successor is still making payments to the bankruptcy court / suspended account during mediation agreement. \nG. If my mediation does not come to an agreement, I have two options as a co-mortgagor/successor : a. Surrender my interest in the property ( as I did not sign the note, I did not give my equity interest to the bank as security ) and the funds in the suspended account for bankruptcy and funds paid for qualifying for assuming the mortgage. The borrower gave up his equity interest in the property ; the bank secured his portion of the equity interest. \nb. Make a monthly payment of {$2900.00} for the next 40 months then resume making monthly mortgage payments directly to the bank. The bank is willing to accept the above payment amount knowing that my taxable income is well below that amount ( no proof of income as long as I can make the payments ). \nH. File a quiet title in order to eliminate XXXX XXXX XXXX as a Grantee. The mortgage will still be a legal entity against the borrower ( XXXX XXXX XXXX ) in Chapter XXXX bankruptcy. \n\nBorrower a. Borrower cohabitated in an apartment along with co-mortgagors son from a previous relationship and had a daughter with co-mortgagor. \nb. Co-mortgagor added borrower to the deed then obtained a construction loan to build our first home where co-mortgagors initial house stood ; with future plans to get married. \nc. Co-mortgagor paid off the prior mortgage with funds from my retirement plan. \nd. Borrower/co-mortgagor used borrowers sister as a mortgage broker/loan officer and cousin as closing agent.\n\ne. Co-mortgagor used 401K earnings to pay off the balance on the FHA loan of our first homestead property. \nf. Borrower wanted a 30-year instead of 15-year term mortgage wanted by the co-mortgagor ; by being the sole signer on the promissory note as borrower, he designated the 30-year mortgage.\n\ng. Borrower/co-mortgagor provided all documents required for this type of loan. They were provided to the processor and underwriter for approval of this loan. There was neither request for the current warranty deed nor a request for a new deed to be signed.\n\nh. Mortgagee still enforces the mortgage documents as a joint tenancy, and promissory note and stated they could not speak with the co-mortgagor ; disregarding Article 12 of the Mortgage. However, the mortgagee at that time verbally informed co-mortgagor to continue to make payments to the suspended account for one year and the borrowers name would be removed from the Deed and Mortgage. \ni. Co-mortgagor/successor continued to make payments ( based on Article 12 of the Mortgage ) toward the main objective for mortgage qualification payments placed in a suspended account from XX/XX/XXXX through XX/XX/XXXX ( over three years ). The mortgagee still enforcing the mortgage documents as a Joint Tenant refused to speak with me and continued with foreclosure proceedings. \nj. Borrower abandoned the residential property and got married and filed Chapter XXXX conveying all financial responsibilities to the residential property. \nk. Borrower took a stand for the right to remove himself from tenants in common by writing a Lis Pendens response to the Foreclosure Homestead, Case No. XXXX, conveying his interest to the property ; relinquishing absolute and unconditional control. Borrower has been in default of Foreclosure Homestead as of XX/XX/XXXX. By being in default, borrower has shown the bankruptcy and foreclosure courts that he has no intent, concern, interest, or value to this property. \n\nCo-Mortgagor/Successor ( from Mortgage under Joint Tenants ) a. The property was given to the co-mortgagor by my father.\n\nb. Co-mortgagor added the borrower to the deed in XX/XX/XXXX in order to obtain a construction loan. \nc. After completion, borrower/co-mortgagor obtained an FHA loan. Deed and promissory note read as follows : XXXX XXXX XXXX XXXX XXXX, a single man and XXXX XXXX XXXX, a single woman ( as tenants in common ). \nd. The home was refinanced in XX/XX/XXXX. I used my 401K earnings to pay off the balance on the FHA loan. I was informed by the mortgage broker/loan officer ( the  borrowers sister ) and the closing agent ( the borrowers cousin ) that I would be on the mortgage and the promissory note for a 15-year term not 30 years. I signed the documents early as I had to return to work and was ensured by the mortgage broker/closing agent that everything would be fine. \ne. Borrower/co-mortgagor provided all documents required for this type of loan. They were provided to the processor and underwriter for approval of this loan. There was neither a request for the current warranty deed nor a request for a new deed to be signed. \nf. I found out after the 3-day rescission period that the numbers were different. After reviewing the closing documents at home, I found out that only the borrowers bills were paid and funds from the proceeds were paid directly to the borrower only. \ng. Shortly after closing the loan, the borrower began staying in XXXX stating it was more cost effective for him than commuting back to XXXX. \nh. The hardship began when the borrower left in XX/XX/XXXX. I was now left with all of the household expenses, raising our daughter alone, and caring for the borrowers sick mother who moved in with me in XX/XX/XXXX. She was under XXXX XXXX and XXXX in XX/XX/XXXX. Please note that borrower never supported our daughter nor assisted financially for his mothers care. \ni. Co-mortgagor received documents about a loan modification in the borrowers name. Lender still enforces the mortgage documents and promissory note and stated they could not speak with me. The lender at that time informed me to continue to make payments to the suspended account for one year and the borrowers name would be removed from the deed and mortgage. \nj. Mortgagee still enforces the mortgage documents as a joint tenancy, and promissory note and stated they could not speak with the co-mortgagor ; disregarding Article 12 of  the Mortgage. However, the mortgagee at that time verbally informed co-mortgagor to continue to make payments to the suspended account for one year and the borrowers name would be removed from the Deed and Mortgage. \n\na. Co-mortgagor/successor continued to make payments ( based on Article 12 of the Mortgage ) toward the main objective for mortgage qualification payments placed in a suspended account from XX/XX/XXXX through XX/XX/XXXX ( over three years ). The mortgagee still enforcing the mortgage documents as a Joint Tenant refused to speak with me and continued with foreclosure proceedings. Borrower abandoned the residential property and got married and filed Chapter XXXX conveying all financial responsibilities to the residential property. Please note, from my understanding, the borrower attended all his Chapter XXXX bankruptcy hearings because he had an interest or concern. He told me that he had no interest or concern in this matter any more. \nk. Co-mortgagor continued to make payments from XX/XX/XXXX through XX/XX/XXXX attempting to qualify to be added to the promissory note. However, the funds were collected from me but they proceeded with the foreclosure informing me that I must have the borrower sign off the deed. My first attorney never addressed the concern of how to have the borrower removed from the deed by use of a quiet title. He only referred to a quit claim deed. Other attorneys stated nothing could be done but to surrender the property. \nl. Co-mortgagor was forced to file bankruptcy, using Article 12 of the Mortgage, in order to halt the foreclosure. During bankruptcy proceedings for Chapter XXXX, again I continued to make payments toward qualifying to obtain the mortgage in co-mortgagors name. I began making payments to the bankruptcy courts, as a Successor based on Article 12 of  the Mortgage, ( in a suspended account ) in XX/XX/XXXX through XX/XX/XXXX. \nm. Bankruptcy mediation gave me, the Successor ( based on Article 12 of the Mortgage ), two options by XX/XX/XXXX 1. Surrender my interest in the property ( as I did not sign the note as a co-borrower, I did not give my equity interest to the bank as security ) and the funds in the suspended account for bankruptcy and funds paid for qualifying for assuming the mortgage. The borrower gave up his equity interest in the property ; the bank secured his portion of the equity interest. \n2. Make a monthly payment of {$2900.00} for the next 40 months then resume making monthly mortgage payments directly to the bank. \nn. File a quiet title in order to eliminate XXXX XXXX XXXX as a Grantee. The mortgage will still be a legal entity against the borrower ( XXXX XXXX XXXX ) in Chapter XXXX bankruptcy. \n\nFACTS Uniform Residential Loan Application ( Information on the loan application is what is used for underwriting the loan for approval ) Mortgage applications follow the Uniform Residential Loan Application I. TYPE OF MORTGAGE AND TERMS OF LOAN Mortgage Applied for : Conventional Agency Case Number Lender Case Number XXXX XXXX. PROPERTY INFORMATION AND PURPOSE OF LOAN Subject Property Address ( street, city, state & ZIP ) XXXX XXXX XXXX, XXXX, XXXX XXXX, Florida XXXX Legal Description of Subject Property ( attach description if necessary ) Year Built See attached Deed XX/XX/XXXX Purpose of Loan : Refinance Property will be : Primary Residence Title will be held in what Name ( s )  Manner in which Title will be held XXXX XXXX XXXX XXXX XXXX, single man Tenants in Common XXXX XXXX XXXX, single woman VIII. DECLARATIONS If you answer Yes to any questions a through e, Borrower Co-Borrower Please use continuation sheet for explanation All answers are NO -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - l. Do you intend to occupy the property as your primary residence? If Yes, complete question m below.\n\nm. Have you had an ownership interest in a property in the last three years? Yes ( 1 ) What type of property did you ownprincipal residence ( PR ) ( 2 ) How did you hold title to the homejointly with another person ( O )? XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. \nACKNOWLEDGEMENT AND AGREEMENT Each of the undersigned specifically represents to Lender and to Lender 's actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees and acknowledges that : ( 1 ) the information provided in this application is true and correct as of the date set forth opposite my signature and that any intentional or negligent misrepresentation of this information contained in this application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any misrepresentation that I have made on this application, and/or in criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Sec. 1001, et seq. ; ( 2 ) the loan requested pursuant to this application ( the \" Loan '' ) will be secured by a mortgage or deed of trust on the property described in this application ; ( 3 ) the property will not be used for any illegal or prohibited purpose or use ; ( 4 ) all statements made in this application are made for the purpose of obtaining a residential mortgage loan ; ( 5 ) the property will be occupied as indicated in this application ; ( 6 ) the Lender, its servicers, successors or assigns may retain the original and/or an electronic record of this application, whether or not the Loan is approved ; ( 7 ) the Lender and its agents, brokers, insurers, servicers, successors, and assigns may continuously rely on the information contained in the application, and I am obligated to amend and/or supplement the information provided in this application if any of the material facts that I have represented herein should change prior to closing of the Loan ; ( 8 ) in the event that my payments on the Loan become delinquent, the Lender, its servicers, successors or assigns may, in addition to any other rights and remedies that it may have relating to such delinquency, report my name and account information to one or more consumer reporting agencies ; ( 9 ) ownership of the Loan and/or administration of the Loan account may be transferred with such notice as may be required by law ; ( 10 ) neither Lender nor its agents, brokers, insurers, servicers, successors or assigns has made any representation or warranty, express or implied, to me regarding the property or the condition or value of the property ; and ( 11 ) my transmission of this application as an \" electronic record '' containing my \" electronic signature, '' as those terms are defined in applicable federal and/or state laws ( excluding audio and video recordings ), or my facsimile transmission of this application containing a facsimile of my signature, shall be as effective, enforceable and valid as if a paper version of this application were delivered containing my original written signature. Acknowledgement. Each of the undersigned hereby acknowledges that any owner of the Loan, its servicers, successors and assigns, may verify or reverify any information contained in this application or obtain any information or data relating to the Loan, for any legitimate business purpose through any source, including a source named in this application or a consumer reporting agency. ( Item D ) The practice of most lenders is to rerun information on a weekly basis is to make sure nothings changed and to insure that all data in the loan file is accurate. There are specific rules under the Fair Housing Act and other federal laws with what needs to be asked [ to borrowers ] Mortgage applications follow the Uniform Residential Loan Application thats used by XXXX XXXX  and XXXX XXXX. A mortgage broker/loan officer collects an applicants information on behalf of a lender that makes the decision whether to originate the mortgage. Cant underwrite or approve a loan. \n\nISSUES A. All in the Family : improper disclosure to co-mortgagor ; confidentiality issues ; steering customer not to be on the note ; changed co-mortgagor request for a 15-year mortgage through fraud, bad faith, and coercion.\n\nB. Borrower relinquished absolute unconditional control to interest in the deed under borrower ( I thru o ) C. Deed does not match mortgage. The mortgage is a lien on your title and the failure to correctly identify the interest in the property would not allow the enforceability of the mortgage lien. The mortgage should not vary from the deed in description of the property or interest. ( Title company error. ) A form filled out incorrectly or a misunderstood law caused problems. The co-mortgagor/successor lost money due to incompetence or carelessness, the legal entities along with the title company should be held liable for negligence, which is an unintentional breach of a legal duty.\n\nD. As the co-mortgagor did not sign the promissory note as a co-borrower, I did not give my equity interest to the bank as security.\n\nE. The bank is still holding co-mortgagors/successors monthly payments to determine a monthly loan modification payment as a Successor, under the borrowers foreclosure. Co-mortgagor filed Chapter XXXX to obtain a loan modification as a Successor but was turned down both times. A Successor does not have to be on the note, but they have the right to pay off the secured interest held by the bank. The bank must honor her interest in the property as a Successor. The bank has the right to ask the Successor for financial information. No record of where the funds were applied during the qualification for a loan modification as a Successor. As a result of the dismissal of my bankruptcy case, the attorney, XXXX XXXX, has agreed to refund to me {$2700.00} in order to  hire a quiet title attorney. As of today, I am hiring a new attorney, XXXX XXXX XXXX, to file for a quiet title, and to file a complaint with the clerk of courts in XXXX County followed by a Notice of Pendency Action that is recorded by county clerk. Please forward these funds to my attorney, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX, Phone : XXXX, Toll Free : XXXX. I had hired an attorney for a partition ; however, the attorney recommended a quit claim deed by requesting that the borrower, XXXX XXXX, sign the quit claim deed. The attorney was unable to complete this process. \nCONCLUSION A. Title insurance policiesYour closing costs will include payment for the policy that protects the lenders investment against claims against your ownership of the property. This will repay the lender for the amount of your mortgage loan if, for any reason, your ownership is legally declared void. You should seriously consider a title insurance policy to protect your personal investment also. If your title is voided, an owners title insurance policy will repay the amounts of your down payment and other costs. \nB. Errors were made in the mortgage by the underwriter, title company, title agent, closing agent ; all failed in properly titling the vested interest in the property. \nC. All lenders are refusing to speak with the co-mortgagor/successor because she is not on the mortgage note are violating my rights ; again, failing to honor Article 12 of the Mortgage which requires her to file a quiet title.\n\nD. The bankruptcy attorney failed to file the documents in the foreclosure court before the house was sold. \nE. Not signing the note does not equate to XXXX XXXX relinquishing her interest to the bank ( the relinquishing party, XXXX XXXX XXXX, is in Chapter XXXX ). \n\nREASONING Various factors like rights, titles, and the interests of the borrowers were entrusted to the bank. \nThe lender and the borrower trusted that the title company would assume the chronology of these transactions in order that the mortgage-backed securities would enforce the arrangement of the note and the mortgage without any cloud against it. The Deed follows the Note to ensure proper chain of title on an Assignment of a Note and Mortgage. Failure to correctly identify the chain of title interests to the property would not allow the enforceability of a mortgage lien, a foreclosure, nor a bankruptcy. The deed reads the partys names as tenants in common. The mortgage reads the partys names as joint tenants. The correction needed a new deed and should be titled as joint tenants to maintain the chain of title ; or change the mortgage deed to tenants in common. Either correction would force the loan to go back to underwriting. Please note that if there is any change in documents, the borrowers must be informed. \nThe mortgage is invalid to the deed if the transfer caused fraud, menace, duress, and undue influence. It should have been overturned by the title company and the underwriter. The homeowner believes she has been taken advantage of by a disreputable company. \nA. Co-mortgagor is requesting that the title company pay defaulted mortgage due to a chain of title issue which negates the promissory note from the deed by not clarifying her interest in the property as designated in a tenants in common. This does not release the borrower from his secured interest which was declared in his Chapter XXXX bankruptcy. There was no clarification of what percentage of secured interest the borrower had with the bank. \nB. Underwriting rules may differ for joint tenants ( equal ownership ) and tenants in common ( percentage of ownership ) on the deed. \nAs XXXX XXXX is not honoring Article 12 of the Mortgage and refusing to speak with the co-mortgagor/successor ; the co-mortgagor/successor is requesting a quiet title. Filing a quiet title would give me fee simple sole ownership of the property. I am, therefore requesting time to complete the process due to the status of the foreclosure proceeding. The lender has taken 42 months to refuse my status as a successor as stated in the incorrect mortgage listed as Joint Tenants. I am asking for that time ( 10 months ) to complete filing for quiet title. \n\nI, XXXX XXXX XXXX, am a co-mortgagor/Defendant in the above-entitled action. I have read the foregoing and know the contents thereof. The same is true of my own knowledge, except as to those matters which are therein alleged on information and belief, and as to those matters, I believe it to be true. \nDated : XX/XX/XXXX _________________________ XXXX XXXX XXXX Co-Borrower/Defendant Co-Mortgagor/Successor XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXXXXXXXXXX IF A NONLAWYER HELPED YOU FILL OUT THE FORM, HE MUST FILL IN THE BLANKS BELOW : I, XXXX XXXX XXXX, XXXX, a nonlawyer, located at XXXX XXXX XXXX, XXXX FLORIDA, XXXX, helped XXXX XXXX. XXXX., who is the DEFENDANT, fill out this form. \n\nCopies furnished to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX, XXXX XXXX  XXXXXXXXXXXX XXXX XXXX XXXX, XXXX. \nXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Phone : XXXX Toll Free : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Phone : XXXX XXXXXXXXXXXX Nationstar Mortgage, LLC XXXX XXXX XXXX XXXX, TX XXXX Attn : XXXX XXXX XXXXXXXXXXXX XXXX Ph XXXX Fax XXXX XXXX XXXX XXXX, XXXX Corrections Officer XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Florida Attorney General XXXX XXXX ; via email Consumer Financial Protection Bureau ; via email Office of the Comptroller of the Currency ( OCC ) ; via email XXXX XXXX, Governor of Florida, via email","date_sent_to_company":"2017-10-05T05:59:06.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"32822","tags":null,"has_narrative":true,"complaint_id":"2693631","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NATIONSTAR MORTGAGE LLC","date_received":"2017-10-05T01:40:49.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["By being in default, borrower has shown the <em>bankruptcy</em> and foreclosure courts that he has no intent, concern, interest, or value to this property. \n\nCo-Mortgagor/Successor ( from Mortgage <em>under</em> <em>Joint</em> Tenants ) a. The property was given to the co-mortgagor by my father.\n\nb. Co-mortgagor added the borrower to the deed in XX/XX/XXXX in order to obtain a construction loan. \nc. After completion, borrower/co-mortgagor obtained an FHA loan."]},"sort":[11.901154,"2693631"]},{"_index":"complaint-public-v1","_id":"13084699","_score":11.635415,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"( reference acct ) : Policy Number : XXXX XXXX XXXX This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provisions on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable.\n\nRE : NOTICE OF INTENT TO FILE COMPLAINT DISHONOR OF BILL OF EXCHANGE AND FAILURE TO HONOR LEGAL TENDER NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Dear \" WELLS FARGO BANK , N.A . # XXXX, Agent : XXXX SUCCESSORS AND/OR ASSIGNS '' corporation, agent, affiliated agency 's and agents This letter serves as a formal Notice of Intent to initiate a complaint against the XXXX XXXX XXXX XXXX XXXX  for its dishonor and refusal to accept a duly executed Bill of Exchange , properly endorsed and tendered for settlement of a financial obligation.\n\nThis action, if not corrected, constitutes a violation of numerous legal, constitutional, and public policy principles, including but not limited to : 1. Legal Tender and Public Policy : Under Title 31 U.S. Code 5103, United States coins and currency, including Federal Reserve Notes and instruments drawn on credit, are considered legal tender for all debts, public and private.\n\nThe Federal Reserve Act of 1913 authorizes the issuance of legal tender and the creation of credit-based instruments to facilitate commerce. A Bill of Exchange, when properly endorsed, falls within this framework and represents a valid method of payment under the Uniform Commercial Code ( UCC ), particularly UCC 3-104 and UCC 3-501 regarding presentment and dishonor.\n\n2. The Bankruptcy Act and HJR-192 ( XX/XX/XXXX ) : Following the Bankruptcy of the United States XXXX XXXX, and under House Joint Resolution 192, all obligations were required to be discharged without the use of gold or lawful money. This resolution became a binding public policy, mandating that the government and its subsidiaries ( including municipal corporations such as the XXXXXXXX XXXX XXXXXXXX ) must accept promissory instruments and Bills of Exchange as lawful discharge of debts, in the absence of constitutional money.\n\nThe refusal to honor such a lawful instrument violates this Public Policy Bond and constitutes bad faith in commerce, particularly when no lawful money ( i.e., gold/silver ) is recognized or demanded in exchange.\n\n3. Violation of Constitutional and Due Process Rights : By refusing to accept a lawful form of payment, the XXXX XXXX XXXX XXXX XXXX  is infringing upon my right to contract, right to due process under the Fifth and Fourteenth Amendments, and is failing to operate in good faith and fair dealing as required under contract and commercial law.\n\n4. Remedy Demanded : I hereby demand that the XXXX XXXX XXXX XXXX XXXX cure this dishonor within ten ( 10 ) business days of receipt of this notice by : Accepting the Bill of Exchange previously submitted, or Providing, in writing, a full lawful reason for its dishonor, supported by statute and legal authority.\n\nFailure to comply will result in a formal complaint being filed with : The Florida Public Service Commission ( PSC ) The Federal Trade Commission ( FTC ) The Consumer Financial Protection Bureau ( CFPB ) The Office of the Florida Attorney General Additional federal agencies and oversight boards as necessary This Notice of Intent is issued in good faith and in the interest of resolving this matter administratively and amicably. If no remedy is forthcoming, further action will be\ntaken as a matter of right under applicable law.\n\nand further... Fiduciary Appointment by Operation of Law Social Security Account Usage and Obligation to Set Off and Balance Be it known and let it be duly recorded that : \" WELLS FARGO BANK , N.A . # XXXX '' agents and principal By accessing, referencing, or utilizing my Social Security Account Number ( SSN ) an identifying account issued by the Social Security Administration and held in trust under the United States you have, by operation of law and through your own actions, appointed yourself as fiduciary, trustee, or liable party with respect to that account.\n\nThe use or acceptance of my Social Security Number or related account information in any transaction, contract, application, or administrative action constitutes tacit acceptance and agreement that : You have voluntarily assumed fiduciary responsibility over said account as defined under trust and commercial law ; You are obligated to discharge, set off, and balance any associated public charges, debts, or obligations through your access to credit, exemption accounts, and applicable set-off mechanisms ; You have a duty to act in equity, good faith, and with full disclosure in all matters involving this account ; Your failure to properly discharge or set off obligations arising from use of my Social Security Account, or your continued attempt to enforce collection contrary to public policy (\nHJR-192, June 5, 1933 ), may constitute bad faith, fraud, or breach of fiduciary duty under the law.\n\nThis fiduciary obligation arises from your use of my trust account information and is supported under : The Social Security Act, codified at 42 U.S.C. 301 et seq.\n\nPublic Policy HJR-192, enacted June 5, 1933 Uniform Commercial Code ( UCC ), specifically UCC 3-305 , 1-201, and 3-419 The Federal Reserve Act and related banking regulations Restatement ( Third ) of Trusts and general fiduciary law principles Therefore, I demand that you fulfill your fiduciary obligation by immediately setting off, adjusting, and balancing any account ( s ) or alleged obligations associated with the use of my SSN, account, or estate. Failure to do so shall be construed as willful breach of fiduciary duty and may be subject to legal remedy.\n\nNotice to agent is notice to principal. Notice to principal is notice to agent.\n\nWithout prejudice, XXXX XXXX All Rights Reserved, UCC 1-308 and further As Agent on behalf of the principal, XXXX XXXX I am instructing WELLS FARGO BANK , N.A . # XXXX to Set off the charges on Principals account via subrogation in equity, your offer is accepted for Value, and Exempt from XXXX XXXX is evidence that an endorsed coupon has been sent back for WELLS FARGO BANK , N.A . # XXXX to present to its the Federal Reserve window by asking for the principals social security you, WELLS FARGO BANK , N.A . # XXXX agreed to become Fiduciary As your fiduciary duty you are obligated to accept this form of payment via endorsed promissory note see : Bill Of Exchange Act, USCode 3-603 TENDER OF PAYMENT of this commercial transaction, UCC Article 3 governs Bills of Exchange see : PL73-10 HJR 192 of 1933 establishes that it is illegal to demand payment in a specific currency.\n\nDemanding specific currency is a direct violation of HJR 192 of 1933 Public Law 73-10, Against the law and a violation of rights under color of law .This phrase refers to actions taken by a financial institution and or person that misuses their authority leading to a Deprivation of Rights by pretending that one can enforce payment in a specific currency an entity is exerting unlawful pressure on individuals thus extorting, coercing, and injuring them and the entity is as infringing upon their rights and legal protections. This action is not only unjust, but also contrary to established law and legal standards that recognize alternative forms of payment as valid. The demand for specific currency payment is not only inconsistent with HJR 192 and the UCC but also constitutes a form of legal overreach that deprives individuals of their rights. UCC 3-104 defining negotiable instruments 3-104 defines a negotiable instruments which is a document that promises payment of money under specific conditions. According to UCC 3-104, for an instrument to be negotiable, it must meet these criteria, it must be in writing and it must be signed by the maker or drawer. It must contain an unconditional promise or order to pay a fixed amount of money, it must be payable on demand or at a specific time. It must be payable to order or to bearer. When you accept a bill, a negotiable instrument, or participate in a trade, or use a bankers acceptance and slasher or endorse and transfer the monetary instrument, you effectively negotiate that instrument, which then serves as tender of payment. This means that it can be used to discharge debts just like cash, you assign credit to the company to credit the account.\n\n5 ) Acceptance and Settlement to function effectively as legal tender, the payee must accept the bill upon presentment. If it is non negotiable, the drawee must honor it according to the terms specified without transferring it further, it's effectiveness relies on mutual acceptance not the instrument inherent value. 6 ) UCC3-603 and 3-311 provisions. Most importantly UCC section 3-603 stipulates that refusal to accept a valid bill of exchange results in the discharge of the debt amount. This means that if the debtor presents a bill of Exchange for payment and the creditor refuses to accept it, the debt is considered to be discharged. Furthermore, UCC section 3-311 stipulates that if the tender of payment is accompanied by a statement indicating that is is for full satisfaction for the debt there is a discharge of the obligation. This further emphasized the legal significance of a Bill Of Exchange as a valid instrument for settling debts. In summary, while a Bill Of Exchange isn't traditional legal tender, if can and does legally discharge debts.\n\nthis is my conditional offer to WELLS FARGO BANK , N.A . # XXXX corporations/agency 's are asked to validate this claim and to please provide the following and further......\n\nComes Now XXXX XXXX XXXX the flesh and blood living woman an XXXX XXXX as surety that was pledged for the Nations debt in accordance with the following laws who swears under the penalty of perjury that the forgoing information is true, correct and without malice Exercising my right to discharge this claim/debt of {$3600.00} in accordance with the following laws and this negotiable instrument I have endorsed under the Bill Of Exchange Act Affiant Expresses Reservation of rights Pursuant UCC1-308 in accordance with Federal and State Laws Affiant demands all accounts /charges directed to affiants estate name Subrogated in Equity Pursuant HJR 192 of 1933, Public Law 73-10 15 U.S. Code 1666 Fair Credit Billing Act ( FCBA ) 18 U.S. Code 8 Be Advised should WELLS FARGO BANK , N.A . # XXXX and affiliated corporations/agency/firm proceed to violate the law and fail to preform fiduciary duties as appointed by governing agencies and terminate services extending to estate name/trust XXXX XXXX further violations.... \n\nFEDERAL RESERVE ACT Liability of share holders of reserve banks The share holders of every Federal reserve bank shall be held INDIVIDUALLY responsible, equally and ratably, and not one for another, FOR ALL CONTRACTS, DEBTS, AND ENGAGEMENTS OF SUCH BANK to the extent of the amount of their subscriptions to such stock at the par value thereof in addition to the amount subscribed, whether such subscriptions have been paid up in whole or in part, under the provisions to this Act. [ 12 U.S.C. 502 ] 2025 CORPORATE TRANSPARENCY ACT REQUIREMENT applies to civil and criminal penalties for ( 1 ) failing to report or disclose or update a reporting agency 's BOI and ( 2 ) providing false or fraudulent BOI. Civil penalties include a daily {$500.00} fine for a continuing violation, and up to a maximum of {$10000.00}.\n\nCriminal penalties include up to two years imprisonment.\n\nFraudulent Charges Failure of national bank to accept terms of Act Any national bank failing to signify its acceptance of the terms of this Act within the sixty days aforesaid, shall cease to act as a reserve agent, upon thirty days notice, to be given within the discretion of the said organization committee of the Board of Governors of the Federal Reserve System. ( Omitted from U.S. Code ) Penalty for violation of Act by national banks Should any national banking association in the United States now organized fail within one year after the passage of this Act to become a member bank or fail to comply with any of the provisions of the Act applicable thereto, all of the rights, privileges, and franchises of such association granted to is under the national-bank Act, or under the provisions of this Act, shall be thereby forfeited. Any noncompliance with or violation of this Act shall, however, be determined and adjudged by any court of the United States of competent jurisdiction in a suit brought for that purpose in the district or territory in which such bank is located, under direction of the Board of Governors of the Federal Reserve System, by the Comptroller of the Currency in his own name before the association shall be declared dissolved. In cases of such noncompliance or violation, other than the failure to become a member bank under the provisions of this Act, every director who participated in or assented to the same shall be held liable in his person or individual capacity for all damages which said bank, it shareholders, or any other person shall have sustained in consequence of such violation. [ 12 U.S.C. 501a ] The Facts Can not be altered or denied Therefore I demand for full discharge of in the amount of {$3600.00} LAWFUL NOTICE : Using a notary, clerk, or secretary on this document does not constitute any adhesion, nor does it altar any status and standing in any manner. The purpose for this is for verifying identity, authentication, and for the rules of evidence are not for co-mingling into any foreign jurisdiction. The Certifying Notary is an independent contractor and not a party to this claim. In fact the Certifying Notary is a federal witness Pursuant to TITLE 18 PART 1 CHAPTER 73, SEC. 1512. Tampering with a witness, victim, or an informant. The Certifying Notary also performs the functions of a quasi-Postal Inspector under the Homeland Security Act by being compelled to report any violation of the U.S. Postal regulations as an Officer of the Executive Department. Intimidating a Notary Public under Color of Law is a violation of TITLE 18 U.S. Code, Section 242, titled \" Deprivation of Rights Under Color of Law, '' which primarily governs police misconduct during any investigations. This makes it a crime for any person acting under the Color of Law to willfully deprive any individual residing in the United States and/or United States of America those right protected by the Constitution U.S. laws and who have the authority to invoke the protection thereof.","date_sent_to_company":"2025-04-20T16:46:34.000Z","issue":"Other transaction problem","sub_product":"Virtual currency","zip_code":"33870","tags":null,"has_narrative":true,"complaint_id":"13084699","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-04-20T16:34:02.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["A Bill of Exchange, when properly endorsed, falls within this framework and represents a valid method of payment <em>under</em> the Uniform Commercial Code ( UCC ), particularly UCC 3-104 and UCC 3-501 regarding presentment and dishonor.\n\n2. The <em>Bankruptcy</em> Act and HJR-192 ( XX/XX/XXXX ) : Following the <em>Bankruptcy</em> of the <em>United</em> <em>States</em> XXXX XXXX, and <em>under</em> <em>House</em> <em>Joint</em> Resolution 192, all obligations were required to be discharged without the use of gold or lawful money."]},"sort":[11.635415,"13084699"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":56,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":56}]}},"product":{"doc_count":56,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":21,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":19},{"key":"Other personal consumer report","doc_count":2}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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