{"took":83,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":31,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"20597467","_score":17.92148,"_source":{"product":"Debt collection","complaint_what_happened":"In reference to my complaint filed with your agency on XX/XX/year> I included a company called XXXX. After speaking with XXXX Attorney XXXX XXXX XXXX XXXX XX/XX/year>, It comes to find out XXXX was not the company as the furnisher who sent this false info to XXXX  and XXXX credit bureau. \nIt was the bad and deplorable unprofessional Attorney by the name of a XXXX XXXX XXXX XXXXXXXX XXXX located in XXXX Ga XXXX. \nIt comes to find out it was the so called debt collection company owned by XXXX XXXX XXXX that's called National Credit Systems Inc, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. ( XXXX ) XXXX ( documentation attached/uploaded on CFPB website XXXX This horrible unprofessional bas lawyer has failed to contact both National Credit XXXX  to rectify his mess he has caused. I filed complaints against this bad lawyer back in XXXX of 2026 for unprofessionalism practices. I am going to refer back to the State Bar of Georgia Office of the General counsel. I have decided to file a {$200000.00} law suit thus ask the Bar Association to stop this bad lawyer from practicing law in the US and the state in the US he is certified to practice law. This is a very bad unlawfully guy. He needs to be stop from doing any kind of debt collection due to placing this wrongfully information on to my personal national credit reports. Can you imagine how many consumers lives he has wrongfully ruined .. with this horrific practicing. \nI am asking your agency to also go after this guy for the same failure which is legally follow federal Fair credit laws. please stop him. Although XXXX has issue me a letter stating that he has closed my collection case due to XXXX XXXX  no longer having contact with him about my XXXX XXXX issue. XXXX is failing to contact both National credit XXXX  to fix the mess he has made informing both credit bureaus XXXX  and XXXX  asking the credit bureau to immediately to remove the false collection information he has place on my personal credit reports. This bad lawyer has broken US fair credit laws and should be disbarred. If your agency would look at the credit reports I have uploaded you will review that XXXX XXXX correct their info on my XXXX  credit reports. XXXX XXXX never reported this to XXXX  XXXX was the person who did this bad thing of reporting to XXXX XXXX XXXX","date_sent_to_company":"2026-04-30T15:24:50.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"45013","tags":"Older American","has_narrative":true,"complaint_id":"20597467","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Systems,Inc.","date_received":"2026-03-25T20:10:54.000Z","state":"OH","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I am going to refer back to the <em>State</em> Bar of Georgia Office of the General counsel. I have decided to file a {$200000.00} <em>law</em> suit thus ask the Bar Association to stop this bad <em>lawyer</em> from practicing <em>law</em> in the US and the <em>state</em> in the US he is certified to practice <em>law</em>. This is a very bad unlawfully guy. He needs to be stop from doing any kind of debt collection due to placing this wrongfully information on to my personal national credit reports."]},"sort":[17.92148,"20597467"]},{"_index":"complaint-public-v1","_id":"2881931","_score":14.891321,"_source":{"product":"Student loan","complaint_what_happened":"My answer to ( XXXX XXXX ) letter from XXXX  XXXX dated XX/XX/XXXX XXXX XXXX and AES are not Federal Loan providers I know this because a North Carolina Attorney provided me with that information. The listing below is a statement from AESs own web site. \nThe monthly installment amount remains the same throughout repayment. \nConsolidation. Make sure your student loans are right for you if you are having trouble making your monthly payment then consolidation may be the right option for you. Federal loan allows you to combine one or more existing student loans into a single new loan. \n\nA letter Dated XX/XX/XXXX presented to The Honorable XXXX XXXX Member. U.S. House of Representatives from Federal Student Aid an office of the U.S. Department of Education stipulates that XXXX XXXX student loans are no longer in the jurisdiction of the Federal Government. North Carolinas XXXX district Congressmen signed off on the XXXX XXXX Student loan investigation stating it was no longer a Federal Government Matter. \n\nA North Carolina Lawyer, a North Carolina Congressman, and American Education Services own statement clearly points out that the Promissory Note XXXX XXXX entered into must have the same payment throughout the loan. Could it be That XXXX XXXX XXXX Vice President Client Advocacy Management Office assessment of Federal Law be correct and the Correspondence of a NC Lawyer and a distinguished NC Congressman be wrong? Or is it possible that XXXX XXXX Has the intention of trying to scare me XXXX XXXX into payment of student loans that have proceeded in an unlawful manner. From a legal viewpoint XXXX XXXX through its representative XXXX XXXX XXXX is not only refusing to abide by North Carolina lending laws, XXXX XXXX is now falsely or unknowingly presenting XXXX XXXX XXXX as a Federal Student loan agency though its administrator AES. \n\nOne of the things NC XXXX District Congressman XXXX XXXX office explained to me was unless a Federal Law has been broken there is nothing we can do to help. I am told that from a legal standpoint that XXXX XXXX letter dated XX/XX/XXXX implies that XXXX  XXXX a private loan institution is going far beyond legal lending practices by stating that through AES they have the same legal jurisdiction as the federal Government. Unless XXXX  XXXX and AES can come up with concrete documentation issued by the Federal Government stating that they have Federal Student Loan lending rights then it seems oblivious XXXX XXXX and AES are braking federal law. The federal law listed below has been violated and it opens up the door for a Congressional investigation. \n\nWhoever falsely assumes or pretends to be an officer or employee acting under the authority of the United States or any department, agency or officer thereof, and acts as such, or in such pretended character demands or obtains any money, paper, document, or thing of value, shall be fined under this title or imprisoned not more than three years, or both. \n\nAmerican Education Services ( AES ) was established by the Pennsylvania Higher Education Assistance Agency ( PHEAA ) to guarantee and service a variety of Federal Family Education Loan Program ( FFELP ) and private ( alternative ) student loan products for our lending partners throughout the nation. \nMy student loans ( XXXX XXXX ) student loans placed into one loan payment is a private alternative loan and not a Federal Student Loan. \n\nNow lets look at some facts about American Education Services. One of my legal counsel advisers received a data profile of American Educations Services from XXXX XXXX XXXX XXXX XXXX XXXX. \nThe report reveals that American Educations Services is a private company located at XXXX XXXX  XXXX XXXX in XXXX, Pa XXXX United States Founded in XX/XX/XXXX. \n\nThe data profile report is explicit it lists the names of the XXXX XXXX for American Education Services. The report includes phone numbers and a Fax number. I am not going to list a companys private phone numbers in this complaint, nor am I going to reveal the names of all of XXXX XXXX XXXX Executives. \n\nCFPB because myself ( XXXX XXXX ) and my legal advisors believe the time has arrived to report the illegal infractions of XXXX  XXXX & AES to someone in an excitative position at American Education Services. Therefore, I respectively request that CFPB send the above complain and my complete complaint file to the ATTENTION of AESs XXXX XXXX XXXX Senior Vice President of Client Relations, and Loan Operations. And XXXX  XXXX needs to be aware of these proceedings. \n\nRespectively Yours XXXX XXXX XXXX XXXX","date_sent_to_company":"2018-04-20T13:51:00.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"28025","tags":"Servicemember","has_narrative":true,"complaint_id":"2881931","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2018-04-20T13:31:50.000Z","state":"NC","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["From a legal viewpoint XXXX XXXX through its representative XXXX XXXX XXXX is not only refusing to abide by North Carolina lending <em>laws</em>, XXXX XXXX is now falsely or unknowingly presenting XXXX XXXX XXXX as a <em>Federal</em> Student loan agency though its administrator AES. \n\nOne of the things NC XXXX District Congressman XXXX XXXX office explained to me was unless a <em>Federal</em> <em>Law</em> has been <em>broken</em> there is nothing we can do to help."]},"sort":[14.891321,"2881931"]},{"_index":"complaint-public-v1","_id":"2890093","_score":14.168404,"_source":{"product":"Mortgage","complaint_what_happened":"I was not able to check more then one complaint above but not only do i have had a issue with closing on mortgage but i have a complaint about the applying for the mortgage section box and the trouble during payment process box so i reached out to the owner of XXXX XXXX ( XXXX XXXX ) and he called me back and sounded surprised of the many complaints and requested i send a timeline of my complaints so he could investigate my file and promised he would call back in two day and a week later i reached back out to him and told him i was finally able to fix the credit issue and then his assistance called me and said they were glad i was able to get XXXX to fix the negative credit reporting they did nothing wrong and sometimes that happens and asked me if i was satisfied and i said no i want honest answers and understating of the many loan changes and the strong arm tactics used during my loan i truly feel they prayed on my bad credit and being a first time home buyer never having been threw a loan process of this magnitude and now looking back and trying to find a way of not feeling so violated by the games and tactics used by XXXX XXXX and who knows may have broken some federal or state laws ( but i'm  no lawyer i'm just a simple consumer ) and after being disregarded of my complaint i feel like i have duty to report my complaint and hope i can finally be heard and i can get some clear answers and hopefully prevent this from happening to some other poor soul and unexpecting consumer and all my dates, the full complaint, and the details of my loan and the evidence the proof and also i will add the complaint i have just filed with arizona department of financial institutions","date_sent_to_company":"2018-04-28T07:00:00.000Z","issue":"Closing on a mortgage","sub_product":"FHA mortgage","zip_code":"85282","tags":null,"has_narrative":true,"complaint_id":"2890093","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Moria Development, Inc.","date_received":"2018-04-28T00:59:08.000Z","state":"AZ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["some <em>federal</em> or <em>state</em> <em>laws</em> ( but i'm  no <em>lawyer</em> i'm just a simple consumer ) and after being disregarded of my complaint i feel like i have duty to report my complaint and hope i can finally be heard and i can get some clear answers and hopefully prevent this from happening to some other poor soul and unexpecting consumer and all my dates, the full complaint, and the details of my loan and the evidence the proof and also i will add the complaint i have just filed with arizona department of financial"]},"sort":[14.168404,"2890093"]},{"_index":"complaint-public-v1","_id":"3873604","_score":14.137472,"_source":{"product":"Debt collection","complaint_what_happened":"I do not have the dates as this was some years ago, but will try. That information can be obtained. AAFES/MILITARY STAR Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXXXX StatusPaid, Closed. {$2600.00} written off. \nStatus UpdatedXX/XX/2017 Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Credit Limit {$6100.00} Highest Balance {$4100.00} TermsNA. ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ... I bought items from the AFFEES store at the XXXX XXXX base in XXXX, XXXX. I asked because I am 100 percent XXXX that workers come and assemble my bed. They did so and broke it, along with stress cracks and damaged it. I also received a BBQ grill that was dented. I called an attorney to ask advice. He said, send them a letter, asking to repair or replace the items. The Store Manager refused to help me or replace items. As a result a demand letter was sent that I would stop payment in 30, days IF they refused to mediate. They refused. Military Star representatives then demanded I pay or else they would garnish money from me, which they did. They took an average of XXXX, a month from my Social Security Insurance without going to court and getting a judgement I was threatened, in a nice way that if I did not pay, my credit would be ruined. I stated that they needed to take me to court and get an judgement, which they and I knew, would have brought up concerns of Fraud, fraud in the inducement that precluded the contract was void by their actions. Knowing this they chose to act like Rico, to put my under duress and force me to make payments, ignoring my rights in this country to be heard in a court room. Consumers I was told by the State Attorney Consumer protection lawyer in XXXX XXXX, Nv. Said to me, there is just to much wide spread cronyism in the country. This came up while I was there and frustrated, so I reached out to that office about this matter. In concert the 3, credit agencies, XXXX, XXXX, XXXX  are complicit, in that they ignore the rights of the consumer. Many times I have disputed this saying, No Judge issued to me any notice or obligation to pay on this debt. I was never contacted to go to court to defend my position. Therefore, they have violated the Fair Trade credit Act, as well. In another matter, I did go to court and was told to pay the person that I was challenging. I did, and for over a year or more even after paying off that debit., it was reported as derogatory. This is what XXXX does, IE : Rico act and duress. In addition, my debt to Military 's Star is now past 7, years. Federal laws state that debt should fall off my credit reports automatically. I will not be forced to pay someone when they have legally broken the contract and the law tells me to do, ( Exactly ) as I did, I followed a good attorneys ' advice and do not believe these people who wanted me to pay for broken or damaged goods have any leg to stand on. \n\nI reached out to the Treasury Office Inspector General. XXXX XXXX Representative, stated treasury put a lien on my social security insurance benefits. Treasury offset program collections must be resolved with the entity or agency that holds the debt. It would appear that you have already contacted Military Star Card and have filed a complaint with the CFPB. I hope that they will help you resolve this matter. Office of Counsel, Us department of the Treasury, and the office of the Inspector General. I spoke to them on the phone today they agreed creditors can not garnish federal benefits. Monies were removed from my SSI benefits which are protected by the federal law. XXXX representative talk over disceral diatribe denial knowledge that benefits can not be garnished stating US Treasury is removing the money which US Treasury says as denoted in the first paragraph collection must be resolved with the entity or agency which is XXXX collections that holds the debt. Treasury agrees they have no authority to take my money. XXXX   defends bad paper rules written by Military Star Card they may garnish wages. I contest that may only apply to active service members not XXXX veterans the federal law protects or exempts certain funds or benefits from garnishment. Several years ago, XXXX representative applied that they would destroy my credit or hurt my credit if I did not let them take money from my XXXX again violation of federal law and fair-trade credit act, failed to obtain judgment before reporting myself as owing the debt. Refusal to accept letter written by attorney of myself under the rules and the laws of the fair credit trade act of 1970. Attempted to place me under duress to require or force me to make payment.\n\nPlease see US to Repay Veteran 's in Debt Case, XXXX XXXX XXXX, by XXXX XXXX XXXX.","date_sent_to_company":"2020-10-05T17:33:42.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"30052","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"3873604","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Army and Air Force Exchange Service","date_received":"2020-09-30T15:54:44.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["<em>Federal</em> <em>laws</em> <em>state</em> that debt should fall off my credit reports automatically. I will not be forced to pay someone when they have legally <em>broken</em> the contract and the <em>law</em> tells me to do, ( Exactly ) as I did, I followed a good attorneys ' advice and do not believe these people who wanted me to pay for <em>broken</em> or damaged goods have any leg to stand on. \n\nI reached out to the Treasury Office Inspector General."]},"sort":[14.137472,"3873604"]},{"_index":"complaint-public-v1","_id":"7364299","_score":12.89097,"_source":{"product":"Debt collection","complaint_what_happened":"What started as a quest to recover an attorney fee has turned into something much more with further research. \n\nI am requesting an investigation of XXXX XXXX Cress who has broken FDCPA law. XXXX Cress received my debt of {$280.00} from his client on XX/XX/2022 and filed a suit on XX/XX/2022. My initial contact with Cress was the Notice of the lawsuit received on XX/XX/2022. I also verified this with my phone records. \n\nUnder FDCPA law it is stated that initial contact can not be Legal Pleadings, but that was the initial contact I had from Cress.\n\nI attempted to settle my debt with his office but was informed I was now also responsible for a {$750.00} attorney fee. We could not come to an agreement because I refused to pay the {$750.00} attorney fee as I did not understand how such a fee came to be for a debt less than {$300.00} and no one I spoke with at Cress Law Group could explain the fee. I strongly feel that my case and many others need to be investigated. \n\nThe statute of limitations of 1 year to submit an investigation should not apply to the cases of those affected more than 1 year ago could have them opened and reversed with a Discovery of Fraud. \n\nI now have a better understanding of my rights and realize XXXX Cress has broken FDCPA Law by skipping the most elemental aspect of the Laws by not allowing the debtor to verify the debt or come to terms before accruing an attorney fee by filing a lawsuit nearly immediately. By claiming such extreme fees for relatively small balances they are making the collection process unreasonable for the debtor. \n\nThere are many collections cases represented by XXXX Cress visible through the Mycase.IN.gov website that date back more than 10 years. \n\nSincerely and thank you, XXXX XXXX ADDITIONAL INFO SINCE FIRST REPORTING : Since reporting Cress for FDCPA fraud to local and federal authorities, I have had trouble sleeping, stress manifesting physically, increased paranoia, fear for myself and my wife, and my children. I worry about my kids going to school safely. I fear legal retribution from Cress and my faith in the justice system has been shaken with his more-than-decade long history of dishonesty and fraud. No other lawyers or judges caught him after all that time. Why did it have to be me? I am already not the same person I was. I'm a very sensitive person and I was not mentally prepared to destroy someone. I am a creator by nature and wish to live in peace. A peace that has now been taken from me with my obligation to report XXXX Cress.\n\nThe garnishment for the collection case started right before my daughter is starting XXXX  and my son begins XXXX XXXX. The garnishment plus the added stress of my discovery and consequences is causing me to miss out on this once in a lifetime event with my kids. These are irreparable damages caused by XXXX Cress and his dishonesty. \n\nThis discovery is large and long reaching. I struggle with what I've done in terms of my own way of life. I wonder if I should have let it be to feel safe. However, this needed to be done to prevent the people of Indiana from falling victim to Cress 's criminal collection practices. \n\nXXXX Cress has made a lot of money with his dishonest practice, and with the investigation he may stand to lose a lot of that money. He may not have a criminal record now, but losing large sums of money can change a man. And that's what I'm afraid of. \n\nI truly hope that nothing happens to me or my family.","date_sent_to_company":"2023-09-19T19:10:33.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"46526","tags":null,"has_narrative":true,"complaint_id":"7364299","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Cress Law Group PC","date_received":"2023-08-07T19:02:55.000Z","state":"IN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["I am requesting an investigation of XXXX XXXX Cress who has <em>broken</em> FDCPA <em>law</em>. XXXX Cress received my debt of {$280.00} from his client on XX/XX/2022 and filed a suit on XX/XX/2022. My initial contact with Cress was the Notice of the lawsuit received on XX/XX/2022. I also verified this with my phone records. \n\nUnder FDCPA <em>law</em> it is <em>stated</em> that initial contact can not be Legal Pleadings, but that was the initial contact I had from Cress."],"company":["Cress <em>Law</em> Group PC"],"company_public_response":["Company believes it acted appropriately as authorized by contract or <em>law</em>"]},"sort":[12.89097,"7364299"]},{"_index":"complaint-public-v1","_id":"6122518","_score":12.623986,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax just submitted their response to dispute number XXXX and again, these retards at Equifax rambled on about all kinds of stuff that wasnt even the complaint! These dummies cant even read! \n\nNo wonder my XXXX is so messed up you have the XXXX  over at XXXX XXXX services intentionally, with total disregard to the state and federal laws they have already broken and now you got the XXXX  over at equifax now doing the same thing the XXXX at XXXX XXXX XXXX are doing, responding to the complaint apparently under the influence of alcohol or drugs because how else would you explain why these two sets oXXXX XXXX continue to break the law time and time again by not properly and accurately reporting Correctly according to the law, and here you go again, right here- they all must be on drugs to be so absolute incoherent as to what the complaint here states and the garbage that they wrote back just to fill in the space obviously since they are always covering up for each other - blatant inaccurate And unfair to me according to the fair credit reporting act - for years on my file! \n\nDelete this XXXX XXXX XXXX off of my report because it is null and void the moment they admitted indirectly in the illegal letter they sent to me a couple of months ago, and equifax is doing the same thing right here they are all making a mockery out of the CFPB and running the show the way they want to not according to law! \n\nEquifax answer this complaint properly and accurately by law! Youve already lied so we know you have no credibility along with your XXXX friends Over at XXXX XXXX XXXX because they are so blatant in their illegal behavior its Better than the XXXX tapes! \n\nYou are all going to be sued and Ive trid to help you and plead with you to stop violating my rights. And braking the law this depriving due process in the dispute process! \n\nLady you better get your XXXX pulled up tight Because after you were warned to stop all this illegal behavior and get off my Credit file with your bogus XXXX and then producing a XXXX  note violating my rights And breaking the law! \n\nYall got all three strikes in one throw there and your out again!\n\nId you wan na have your insurance company call me and make a settlement Ill consider it or Im close to choosing which lawyers to turn this over! \nAnd Im trying to be kind and help you all even the credit bureaus and not bringing yall in on depositions to answer to all this you have created! \n\nThis includes XXXX XXXX XXXX, equifax? XXXX, and XXXX! \n\nMy email address to use is XXXX. \n\nYou all have until this Wednesday XX/XX/2022, at XXXX XXXX each or you that wan na have your insurance company to perhaps compensate me for all that you have done! \n\nIf you think Im kidding, let it be known right now that I am going to exercise every legal recourse posible to hold all all of you accountable for your XXXX  actions throughout this whole ordeal when you all know now today, and Have known forever and a day that two medical bills were never validated properly and after 30 days, 60 days, 90 days, 220 days, damn yall took what 5 years to try and submit this failed attempt of a validation product - you violated a federal law. \n\nAfter 30 days of submitting the dispute of validation by me of my first complaint demanding verification of these two medical debts, they should if been deleted by all of you, they both should of been deleted! \n\nYour failed attempt to finally do your job and provide honest verifiable, accurate and complete validation in an an accepted manner even if it were remotely correct doesnt go in reverse and cover all the years of abuse and illegal activities as I have proof for every bit of it. \n\nIm trying to help you all even though you have almost destroyed me and I believe what I should do is follow my XXXX beliefs and forgive you, and because Im not mad at any of you for the grimy greedy ways yall have handled this and still have your mess on my collection report meanwhile Im helping you all like a good XXXX brother even though youve damaged me. \n\nXXXX  afternoon at XXXX ; XXXX is the time and date that ends any option of talking with me and maybe suggest the elements of a resolve satisfactory to me and fair to you. \n\nI dont know what the answer is Ive never been at a point like this Before - I have over 24 accounts on my credit report with a 100 % stellar rating for years! Perfect - now can you imagine the damaged your company XXXX has created And where people can go to jail for stuff yall have done and alot of hefty fines/ enormous statutory penalties then some other things Im not a lawyer but punitive damages- ever heard of that? Explain it to me so I will know, please? \n\nAnd since Im not an lawyer by any means, nor do I wan na be, I did read somewhere that you lose the protections afforded to you as being registered as a corporation / LLC if your actions where found to of - or included fraud or deception. \n\nL","date_sent_to_company":"2022-10-24T07:02:35.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28411","tags":null,"has_narrative":true,"complaint_id":"6122518","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-10-24T07:02:28.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["No wonder my XXXX is so messed up you have the XXXX  over at XXXX XXXX services intentionally, with total disregard to the <em>state</em> and <em>federal</em> <em>laws</em> they have already <em>broken</em> and now you got the XXXX  over at equifax now doing the same thing the XXXX at XXXX XXXX XXXX are doing, responding to the complaint apparently under the influence of alcohol or drugs because how else would you explain why these two sets oXXXX XXXX continue to break the <em>law</em> time and time again by not properly and accurately reporting"]},"sort":[12.623986,"6122518"]},{"_index":"complaint-public-v1","_id":"5995146","_score":12.197746,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I most recently got a copy my updated credit report and my current credit report has a listing and or listings in which are being reported INCORECTLY. I am a citizen but more importantly I am a consumer with laws to protect me! You guys are in DIRECT VIOLATION under the FCRA & the FDCBA.\n\n15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \n\n15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.My request to the Credit Burea My request to the Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number, date of birth, and/or address to be PERMANENTLY DELETED from my credit report immediately Your company by law needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report along with my authorization of release bearing my signature. To be in full compliance with the FCRA laws and guidelines, all the information listed under \" Public Records '' needs to be immediately deleted from the credit file you maintain under my social security number, date of birth, and/or address. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ) 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates I recently recently received a copy of my credit report. You guys stated the accounts VERIFIED. I have the right to an Investigated Consumer Report under 15 U.S. code 1681. Under The Federal Credit Reporting Act you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I have already filed a complaint to the Federal Trade Commission and will follow with a Consumer Financial Protection Bureau claim if you fail to respond within 30 days of receipt of this dispute.The Collection Agency has also caused a telephone to ring and contacted me XXXX  phone threaten me to pay and is Direct Violation.. 15 U.S.C. 1692 Section896 section 5 Causing a tele [ hone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number.15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.I NEED THE CONSUMER INVESTIGATED CONSUMER REPORT. IF YOU CAN NOT PROVIDE THAT BY LAW YOU MUST DELETE & BLOCK ALL ACCOUNTS REPORTING NEGATIVELY.IF YOU DO NOT POVIDE ME WITH THAT I WILLL GET A CONSUMER LAW LAWYER AND SUE UNDER ALL THE LAWS THAT WERE BROKEN AND VIOLATED Account Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/2022","date_sent_to_company":"2022-09-19T04:07:59.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89139","tags":null,"has_narrative":true,"complaint_id":"5995146","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-09-19T03:54:46.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["IF YOU CAN NOT PROVIDE THAT BY <em>LAW</em> YOU MUST DELETE & BLOCK ALL ACCOUNTS REPORTING NEGATIVELY.IF YOU DO NOT POVIDE ME WITH THAT I WILLL GET A CONSUMER <em>LAW</em> <em>LAWYER</em> AND SUE UNDER ALL THE <em>LAWS</em> THAT WERE <em>BROKEN</em> AND VIOLATED Account Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/2022"]},"sort":[12.197746,"5995146"]},{"_index":"complaint-public-v1","_id":"5158402","_score":10.979354,"_source":{"product":"Student loan","complaint_what_happened":"XXXX Loan Request ID # XXXX dated XXXX event in time XXXX XXXX given from the company its self that was MOHEILA, That was approved directly after joining the school college university of XXXX XXXX,. I contacted the lender several times over and over and all i got was customer service reps that agreed that i shouldnt have to pay for the loan since i only recived partly payment and it was due to the countless issues with the id theift that occured while attending college, which ironically i found out that a previous student and employee their named XXXX XXXX who ironically was appart of the student services payroll during my admission at the college back in XXXX of XXXX and then again pops up for acquiring a degree for fininancial bussiness degree. In which i even contacted the dean during XXXX of XXXX when starting my second set of third set of classes only problem was that i could not even my power bill but i kept pushing and XXXX that was back in XXXX. XXXX and i found out due to several in accurate responses left on my credit breaura score that i was suffering underneath several breeches starting with XXXX breech in XXXX that i was never informed or confirmed with the individual banking agency and loan companies located in states that ive never ve been informed their were applications that were postivie in using my information along ids and i even was instructed though the college its self in order to enroll properly that i would need id verification and drivers lic and ssn number with affadavits filled out by local banking members at the same local branches that i was frauded at when received the transfer or depoist of money for school and then watching all my familys patience and hard work evaperate down the drain. they told me oh go to XXXX and XXXX wow like really and also to try fatca act facra act one or the other and then XXXX dodds act to be filed attempted all those no such luck with getting lawyer assit. even though the dept of justice which was a total bomb in the first XXXX place. also attempted to contacting XXXX and dot for assiting with the ongoing fraud cases. cfpb has been told the bank of XXXX XXXX about the confirmed id theift that was followed through with 2 forms of id theift within the state of nc and sc and tn state as well and XXXX, XXXX XXXX as well, and tx, mn, ks, lastly az state and ca.The XXXX XXXX XXXX  banking account that were compremised completley. with also impersonation dddthat happens though job verification while the irs is still understanding and computing all their data and such im stuck not able to receiving any loans or transcripts needing to contuine my education, current XXXX physically and well to be frank soon i fear that i will have exhausted all funding i am able to get without reciveing one dime and yet the stress mounting up the caliber of great heartache, i fear i will be tramatized for life for the trouble that these imposters have caused i mean its one thing when the ftc cant handle their own feild but now the federal laws are begin broken, dont get me started on the civil rights, how am i even consider a us citizin of the united states if i cant vote, read write or act as a us woman in this day and age of today.","date_sent_to_company":"2022-01-28T06:41:16.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"28150","tags":"Servicemember","has_narrative":true,"complaint_id":"5158402","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2022-01-28T00:08:26.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Don't agree with the fees charged"},"highlight":{"complaint_what_happened":["<em>laws</em> are begin <em>broken</em>, dont get me started on the civil rights, how am i even consider a us citizin of the united states if i cant vote, read write or act as a us woman in this day and age of today."],"sub_product":["<em>Federal</em> student loan servicing"],"company_public_response":["Company believes it acted appropriately as authorized by contract or <em>law</em>"]},"sort":[10.979354,"5158402"]},{"_index":"complaint-public-v1","_id":"3079111","_score":10.914121,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Consumer Financial Protection Bureau XXXX. XXXX   XXXX XXXX, IA XXXX RE : Advanced Resolution Services / XXXX XXXX Complaint # 3 To Whom It May Concern : Attached you will find : - Original dispute letter to ARS, received on XX/XX/XXXX and signed for by Front Desk / Receptionist ; - Response from ARS, received on XX/XX/XXXX ; - Second dispute letter to ARS, received on XX/XX/XXXX and signed for by Front Desk / Receptionist ; - 2nd response from ARS,  received on XX/XX/XXXX ; - Credit Report pulled on XX/XX/XXXX not showing disputed by consumer on credit report ; - Consumer report pulled and received on XX/XX/XXXX not showing disputed on my consumer report ; ARS has continually ignored my request for their method of verification and only cites XXXX as their source of the information. ARS goes so far as to admit in their response that they have reasonable grounds to believe that their information is verifiable even though Bankruptcy Rule 9037 prevents the public from viewing the B21-Statement of social Security. They merely assume that because identifying information matches, that is enough to verify a public record. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) the court stated : XXXX XXXX argues that it did not violate a duty to reinvestigate because it had no duty, as a matter of law, to go beyond the Judgement Docket in conducting its reinvestigation. We disagree. A credit reporting agency that has been notified of potentially inaccurate information in a consumers credit report is in a very different position than one who has no such notice. As we indicated earlier, a credit reporting agency may initially rely on public court documents, because to require otherwise would be burdensome and inefficient. However, such exclusive reliance may not be justified once the credit reporting agency receives notice that the consumer disputes information contained in his credit report. When a credit reporting agency receives such notice, it can target its resources in a more efficient manner and conduct a more thorough investigation.\n\nThe credit reporting agencys duty will also depend on the cost of verifying the accuracy of the source versus the possible harm inaccurately reported information may cause the consumer. \n\nAdditionally, Please be advised that the use of XXXX  is an unreliable source as their own disclaimer states, The provider does not represent or warrant that this site or its content will be error-free Provider disclaims all responsibility for any loss, injury, claim, liability, or damage of any kind in any way related to ( A ) any errors in or omissions from this web site and the content Futhermore, the fact that ARS cites pending case law, that has not been fully adjudicated ( XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ), is a clear attempt to mislead me into thinking this case holds some precedent. Upon speaking to the Deputy Clerk for Judge XXXX and asking the status of this pending case, I was told it is not even close to being completed as they are still determining the scope of class and a Motion to Dismiss has been filed. \n\nIm sure you are aware that Lawyers alleged dishonesty in their practices exposes them to potential liability to third parties as well. For example, if a lawyer knowingly and substantially assists or encourages a clients wrongdoing ( ARS ), those who are harmed by the clients misconduct may sue the lawyer in court for allegedly aiding and abetting the clients misdeeds.\n\nI am well aware that ARS has broken several consumer protection laws both on the federal and state level. They have damaged my credit, preventing me from obtaining credit, loans, financing, etc. because they continue to verify and report a bankruptcy on my credit file that they have not, can not, and will not, provide me with their method of verification showing there is not one iota of a chance that they are reporting this information in error.\n\nAssuming information matches is NOT protecting a consumer from the possible harm inaccurately reported information may cause the consumer.\n\nBe aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious erroring your reporting. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company. I appreciate your time in helping to resolve this highly damaging, unverifiable entry on my consumer report with ARS. I look forward to hearing from you soon. \n\n\n\n\n\nXXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ohio XXXX CC President of the United States Donald Trump The White House XXXX XXXX XXXX XXXX , Washington , DC XXXX Ohio Attorney General XXXX XXXX C/O XXXX XXXX, Consumer Complaint Specialist XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  , Ohio XXXX Office of the Attorney General U.S. Department of Justice XXXX XXXX XXXX XXXX , Washington , DC XXXX XXXX XXXX , Advanced Resolution Services , INC. ( ARS ) Ms. XXXX XXXX, Chief Executive Officer XXXX XXXX XXXX, XXXX XXXX XXXX  , Ohio XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX , Ohio XXXX","date_sent_to_company":"2018-12-07T17:02:31.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"43110","tags":null,"has_narrative":true,"complaint_id":"3079111","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Advanced Resolution Services Inc.","date_received":"2018-11-20T14:32:47.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Im sure you are aware that <em>Lawyers</em> alleged dishonesty in their practices exposes them to potential liability to third parties as well. For example, if a <em>lawyer</em> knowingly and substantially assists or encourages a clients wrongdoing ( ARS ), those who are harmed by the clients misconduct may sue the <em>lawyer</em> in court for allegedly aiding and abetting the clients misdeeds.\n\nI am well aware that ARS has <em>broken</em> several consumer protection <em>laws</em> both on the <em>federal</em> and <em>state</em> level."]},"sort":[10.914121,"3079111"]},{"_index":"complaint-public-v1","_id":"5928505","_score":10.808612,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I filed a complaint with the CFPB on XX/XX/XXXX, and Representative XXXX XXXX sent me a general email to acknowledge the receipt of my complaint and did not have any additional information for me. She made no calls to discuss the matter with me. She submitted her reply on XX/XX/XXXX and did not address ANY of the Federal Consumer Laws that were broken and my concern about my Consumer Rights being violated. I have sent her 3 emails requesting a Supervisor or Lawyer 's contact information and no reply. \n\nI am a consumer and accountholder with Synchrony Bank. Synchrony bank sent me a letter stating that my credit was pulled as my consumer was provided as per the letter that I received in XX/XX/XXXX. No disclosure or notice was made to me nor was my permission granted. The letter stated that Synchrony Bank was closing my account. I was laid off from work on XX/XX/XXXX, due to the Coronavirus pandemic for over one year, and not one time have I EVER defaulted on my payments to Synchrony Bank. I called Synchrony Bank when I received the letter on XX/XX/XXXX, and spoke to a Representative who refused to investigate the matter any further in the Credit Department, not the Customer Service Department. My initial letter to look into this matter was addressed to the President/CEO, XXXX XXXX XXXX however, XXXX XXXX responded XXXX Her position was confusing as her email states Senior Consumer Specialist and her mailed letter merely states Office of the President. In a review of XXXX XXXX 's letter denying my request to waive my balance and remove this account as Synchrony Bank unfairly closed my account, at no time did Synchrony Bank acknowledge the Federal/ Laws that I mentioned as XXXX XXXX XXXX letter continuously referred me back to Synchrony 's TERMS AND CONDITIONS and her letter shows no remorse. Her letter implies that I have no rights as a consumer, which violates Federal Law. The following Federal Laws that Synchrony Bank has violated : 15 USC 1602 ( k ) - The term adequate notice, as used in section 1643 of this title, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. As a result of the above-noted law, Synchrony Bank is in violation as Synchrony did not provide ANY adequate notice to inform me of their action. An electronic notification was sent to me on XX/XX/XXXX, stating that you already closed my account on XX/XX/XXXX. XXXX XXXX 's Letter reiterates the same fact that my account was closed on XX/XX/XXXX. 15 USC 1691 ( d ) ( 2 ) ( b ) ( 6 ) - Reason for adverse action ; procedure applicable; adverse action defined- ( 2 ) Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. A creditor satisfies this obligation by ( B ) giving written notification of adverse action which discloses ( i ) the applicants right to a statement of reasons within thirty days after receipt by the creditor of a request made within sixty days after such notification, and ( ii ) the identity of the person or office from which such statement may be obtained. Such statement may be given orally if the written notification advises the applicant of his right to have the statement of reasons confirmed in writing on written request. ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. As a result of the above-noted law, Synchrony Bank is in violation as Synchrony Bank NEVER provided the identity from the office from which such statement may be obtained- Synchrony only provided the company name and contact phone number. Please see attachments from Synchrony Bank and XXXX XXXX 's subsequent letter which violates both Federal Laws. I also find it odd and concerning that it took 3 days for XXXX XXXX further \" investigate '' this matter... She acknowledged receipt of my email on XX/XX/XXXX which stated the following : 'We will be responding to your concern within seven to ten business days, '' and sent a letter on XX/XX/XXXX? This is not 7-10 business days. XXXX XXXX has never spoken to me verbally and only sent me one email and a letter that was completed 3 days later after receiving my complaint. Please see the attached showing the email correspondence from XXXX XXXX which contradicts the stated response time. My question to Synchrony Bank and XXXX XXXX : why were these \" terms '' NOT disclosed when I opened this line of credit in the store? Was a Representative of Synchrony present and if so, who was this Representative from Synchrony Bank to disclose this contract that you are now saying that I have with your company, Synchrony Bank? I did this PRIVATE consumer credit transaction with Rooms-To-Go, they took this information and made it public to Synchrony Bank. Wouldn't my agreement be with XXXX when this line of credit was opened in the XXXX XXXX? Isn't that misleading to NOT have an official Representative from Synchrony Bank disclose ALL of the terms and conditions in order for a consumer to make an educated choice to continue with the agreement? I have one of the sale receipts and the Terms and Conditions only reflect the agreement between myself and XXXX. No mention of Synchrony Bank. The \" agreement '' that was NEVER presented to me in-store that was mailed by XXXX XXXX does not contain any clauses on accessing MY CONSUMER REPORT nor does it provide any terms that require a certain credit score and what is required to maintain this account. My first letter, after my unsuccessful call attempts to resolve this matter, resorted to me writing a letter to request that this closed account be removed and future payments are waived. As detailed and proven in my attachments, Synchrony Bank and XXXX XXXX XXXX continue to deny me my rights as a Consumer.","date_sent_to_company":"2022-08-29T17:46:46.000Z","issue":"Closing your account","sub_product":"Store credit card","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"5928505","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2022-08-29T17:22:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["She submitted her reply on XX/XX/XXXX and did not address ANY of the <em>Federal</em> Consumer <em>Laws</em> that were <em>broken</em> and my concern about my Consumer Rights being violated. I have sent her 3 emails requesting a Supervisor or <em>Lawyer</em> 's contact information and no reply. \n\nI am a consumer and accountholder with Synchrony Bank. Synchrony bank sent me a letter <em>stating</em> that my credit was pulled as my consumer was provided as per the letter that I received in XX/XX/XXXX."]},"sort":[10.808612,"5928505"]},{"_index":"complaint-public-v1","_id":"18390382","_score":10.64772,"_source":{"product":"Debt collection","complaint_what_happened":"I am a XXXX Federal Plaintiff ( Glenn v. DoorDash, et al. ) reporting a systemic violation of the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ).\n\nThe Violation : Consumer reporting agencies and tenant screening algorithms are engaging in 'Algorithmic Redlining. ' I am being denied housing and economic access solely based on automated 'invisible ledgers ' that fail to account for my biological reality or XXXX status. This has forced me into vehicular homelessness, creating a state-created danger. \n\nThe Evidence : I have attempted to secure housing but am blocked by these automated denials. I have authored the 'Glenn XXXX XXXX ( XXXX Amendment ) and designed the XXXX Sovereign Node ' ( a self-powered medical sanctuary ) as a reasonable accommodation. The credit system refuses to recognize this alternative, effectively erasing my right to exist. \n\nThe Demand : I demand an immediate investigation into these exclusionary algorithms. I assert my 'Right to XXXX XXXX ' against these predatory digital practices. '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 XXXXXXXX XXXX. THE OPENING STATEMENT To the Court, the Public, and the XXXX XXXX named in this suit : I stand before you not as a victim seeking charity, but as an XXXX seeking Correction. \nThis lawsuit is not merely about damages ; it is about XXXX. \nThe Gig Economy, as it stands, violates the Law of Self-Governance ( Codex, Section XXXX ). \nYou have built an empire on the premise that you can extract the XXXX ( XXXX ) without respecting the Soil ( XXXX XXXXXXXX ). \nYou believe you can bypass the XXXX of XXXX XXXX. \nI am here to tell you that the bill has come due. \nXXXX XXXX XXXX XXXX XXXXXXXX You look at my medical chartthe inflammation, the Crohns, the struggleand you label it a \" XXXX. '' You see it as a defect in your machine. \nI redefine the term. \nMy condition is not a weakness ; it is a Sensitivity. \nI am the canary in the coal mine. \nMy body reacts violently to toxicity that others ignore. \nBecause I feel the pain of the system more acutely, I am the only XXXX qualified to diagnose the glitch. \nI am not XXXX ; I am Over-Qualified. \nMy struggle is the Hydraulic Pump ( Codex, Section XXXX ) that has pressurized my understanding of the law. You are not fighting a broken man ; you are fighting a man who has been forged in a nuclear furnace. \nXXXX. THE CONSPIRACY OF BLOCKAGE I assert that XXXX defendantsGig Apps, Credit Bureaus, and XXXX operated as a Singular Entity of Blockage. \nYou have colluded to block the flow of resources ( XXXX ) to the vessel ( XXXX ). \nYou have attempted to starve the XXXX of XXXX. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ). By blocking my ability to earn, stabilize, and rehabilitate, you are not just breaking a law ; you are attempting to stop the XXXXXXXX XXXX  XXXX itself. \nYou have tried to evict the XXXX from his own creation. \nIV. THE DEMAND I am not asking for a settlement to go away. \nI am asking for a Restructuring of the XXXX. \nI demand that the \" Gig Worker '' be recognized not as a tool, but as a XXXX in the XXXX. \nI demand that the systems of credit and banking recognize the Humanity behind the data point. \nV. THE NOTICE Do not mistake my silence for defeat. \nDo not mistake my hospitalization for weakness. \nWhile you have lawyers, I have XXXX XXXX. \nAnd as stated in the XXXX : \" Error has to be Loud because it has no XXXX. XXXX is quiet because it is Anchored. '' I am anchored. \nI am the XXXX Pressure that is about to storm your boardroom. \nI am the XXXX. \nI am the XXXX XXXX. \n\nSee you in XXXX.","date_sent_to_company":"2025-12-31T06:52:51.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"I do not know","zip_code":"02151","tags":null,"has_narrative":true,"complaint_id":"18390382","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-31T06:19:52.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Contacted you after you asked them to stop"},"highlight":{"complaint_what_happened":["While you have <em>lawyers</em>, I have XXXX XXXX. \nAnd as <em>stated</em> in the XXXX : \" Error has to be Loud because it has no XXXX. XXXX is quiet because it is Anchored. '' I am anchored. \nI am the XXXX Pressure that is about to storm your boardroom. \nI am the XXXX. \nI am the XXXX XXXX. \n\nSee you in XXXX."]},"sort":[10.64772,"18390382"]},{"_index":"complaint-public-v1","_id":"14072348","_score":10.239982,"_source":{"product":"Mortgage","complaint_what_happened":"This property already have a FHA loan fraud flagged by HUD, along with XXXX issues ( XXXX XXXX ) with deferred IRS tax redemption, and now I was told by a third party that there is another FHA loan placed again in the same XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The property does not have owner title insurance for that loan if placed by a third party on a house I lived for 15 years and paid property taxes and insurance and repaired it and remodeled it. \nThere is a XXXX refinance/modification in review by FTC as flagged fraud, and I was named in that lawsuit, I never signed a loan with a bank nor know the borrowers other than the ones who sold us the property XXXX XXXX and XXXX XXXX .\n\nNow I was told by an employee that wants to remain anonymous that there is another FHA loan made on the property that has a broken chain of title, divided interest and no owner title XXXX XXXX  in the name of some XXXX person and her wife XXXX  for XXXX XXXX and XXXX XXXX XXXX. I was told can not ask them information but definitely do not want to be pulled to that nest of corruption nor my family nor that money engorgement made at the court for profit of third parties and to avoid XXXX, tax consecquences or disclosure of income to the taxing authorities. Someone made in excess of XXXX for this home how can. you encumber if it is not a clean title this can not be sold, rented or anything and is subject to firpta and irs deferred recapture liens. \nTitle is state driven by laws and also federal law. In NM color of title is based on 10. years and recently a ghost title was placed breaking the chain in title and harming the commmunity by a california broker and a pensylvania lawyer opinion through XXXX XXXX, trespassing on the personal residence of a elder military family XXXX  and XXXX kid inside causing terror and harm and locking the house keeping utilities inthe name of the family and wasting electricity and water on landscape and pool tank filling and drilling on walls tearing tile without permission of dwellers/owners/partial owners and persons and business in interst. Someone made XXXX and someoen obtained or may have obtained a fraudulent FHA loan. Another one than the one in XXXX by XXXX XXXX XXXXXXXX labeled mortgage fraud as the title was not in the name of the borrowers then so they needed permission of all parties in title in XXXX. Now there is abreak in the title and a possible mortgage? Again, if there is one, is fraud, if there is not, is hearsay but someone has to insure that loan against fraud and if it gets sold, someone got paid not I and I am not going to be pushed to the mud or the corruption nest I stepped on in XXXX as an innocent purchaser of value of XXXX XXXX XXXX XXXX XXXX and if XXXX attorneys ( many ) asked for a XXXX  from XXXX to me, now I understand it may have been to avoid IRS XXXX and the fines because the chain shows a family transfer AFTER WE BOUGHT IT, from XXXX to XXXX and a XXXX came to the property sayigng hsi brother deeded him the house to gain US residency and he was coming from XXXX XXXX. \nI did not know him so I told him I bought it from his brother. There is the IRS ISSUE in the cHain of title too, however I NEVER SIGNED A LOAN WITH XXXX report potential tax fraud, such as unreported income, false deductions, or businesses that fail to pay taxes properly. It is specifically intended for significant tax fraud rather than minor errors, requiring credible evidence of ALLEGED tax evasion. \nAmerican Financial Network Inc. has faced allegations of fraud, agreeing to pay over {$1.00} XXXX to resolve claims that it improperly originated government-backed mortgage loans insured by the Federal Housing Administration ( FHA ) . These allegations suggest potential fraudulent activities, raising concerns about the company 's practices in the mortgage lending industry. IS THIS ANOTHER ONE? \nheadquarters of american financial network XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX phone number : ( XXXX ) XXXX","date_sent_to_company":"2025-06-13T11:11:58.000Z","issue":"Closing on a mortgage","sub_product":"FHA mortgage","zip_code":"87120","tags":"Servicemember","has_narrative":true,"complaint_id":"14072348","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"American Financial Network Inc.","date_received":"2025-06-13T10:31:23.000Z","state":"NM","company_public_response":"Company can't verify or dispute the facts in the complaint","sub_issue":"Closing disclosure or other related disclosures"},"highlight":{"complaint_what_happened":["Title is <em>state</em> driven by <em>laws</em> and also <em>federal</em> <em>law</em>."]},"sort":[10.239982,"14072348"]},{"_index":"complaint-public-v1","_id":"6198903","_score":10.130337,"_source":{"product":"Checking or savings account","complaint_what_happened":"My wife presented 2 POA to Navy Federal and they were rejected without giving any legal reasons why. My cousin presented a POA and it was rejected without any legal reason why. Finally one of the best lawyers in the world submitted a POA which authorize him to be my attorney in fact and it was DENIED with the reason of it being ALTERED and not being able to confirm the validity. When someone is a current member of Navy Federal credit those identifying questions arent needed per Navy Federals POA document. This is the reason XXXX XXXX omitted that information because his identity could be verified because he is a member. Another stall tactic. Navy Federal was called out about the false accusation against my former attorney XXXX XXXX XXXX but this gave me the fuel to fight the largest credit union in the world. As of XX/XX/XXXX XXXX XXXX XXXX XXXX is no longer my attorney. For 6 months he tried to help me fix these problems for FREE but unfortunately his legal letters were ignored and his final attempt to become POA on my bank account was rejected due to the false accusation of altered documents by an attorney. Its insulting as well as a display of the desperation of Navy Federal Credit Union to accuse XXXX XXXX XXXX an attorney practicing in Texas for over 35 years of fraud. Were asking that the blatant bullying and continued breach of fiduciary duty to STOP. If my wife, family and or lawyer has continuously been REJECTED, I have no other choice but to revert back to my wife. She is who I want as my POA and she is who should be my POA. \nXXXX XXXX  XXXX XXXX, were not backing down and were doing this for ourselves and for every other American going through a similar situation with Navy Federal or any other bank. Why should Americans place their trust in banks if they can steal their money at will? This has been going on for 6 months and my credit that was excellent has been destroyed. We have lost our store front and business contracts and my wife is now homeless. The irony of that situation my wife have just been awarded the XXXX XXXX XXXX XXXX by Joe Biden and acknowledge by her mayor XXXX XXXX for her XXXX XXXX XXXX XXXX XXXX. Navy Federal have broken the law repeatedly and it must stop. Im XXXX but I still have rights and Im still a member. You must accept my new POA coming from my wife. You have no legal reason to object to my requests. You have verified my social security # with the XXXX  and you have my permission to verify my social with TDCJ or Texas Department Of Criminal Justice. My XXXX ID with my XXXX  # and DOB is sufficient. Im serving a XXXX XXXX and what youre doing is criminal. If youll deny an attorney for frivolous reasons I must have the courts make an example out of you Navy Federal. You cant AT WILL freeze accounts, destroy credit, destroy lives, destroy businesses and face no consequences. Youve taken no steps in none of the 4 complaints I filed with the Consumer Financial Protection Bureau because if you had youve been able to verify the POAs are valid and there is no FRAUD. You keep closing cases file against you with the following words potential fraud whats the fraud? XXXX XXXX  verified the wire they sent to me in XXXX  and when I reached out to their wire department on XX/XX/XXXX the same day the 2nd complaint was closed due to fraud and they agreed to help me. XXXX XXXX  sent me proof they replied to your ( Navy Federals ) service message on XX/XX/XXXX and they sent a new service message to Navy Federal Credit Union wire department advising them the funds are rightfully mines and that the wire sent in XXXX is for a real estate deal. Navy Federal wire department responded and said the wire has been credited and if beneficiary has any additional questions to please contact them XXXX XXXX XXXX at XXXX XXXX  was confident that this will help us get our funds. A bank cant just freeze someones account and destroy lives without giving a legal reason. Even if a SAR ( Suspicious activity report ) was filed that average investigation is normally completed around 72 days. It has been over 6 months and weve been going around in circles. We want off this merry go round and we want Navy Federal to be held accountable for the damages they have caused. So a generic response of potential fraud wont work. How can it be fraud when the bank is verifying the wire is rightfully mines? Finally Ive attached proof that Navy Federals hold times for security is anywhere from 2 hours to 5 hours long. It is impossible for any XXXX  to hold on a call for hours when each call is only 30 minutes at a time. If only a phone call to security could fix this why didnt I just have my male brother call pretending to be me? BECAUSE THAT WOULD BE FRAUD. I wrote to Navy Federal customer resolution department, security department directly from XXXX  as well as to XXXX XXXX the bank XXXX  in XXXX on XXXX XXXX  advising I authorize all transactions on the account from XX/XX/XXXX to XX/XX/XXXX and to requested them to remove the credit only restriction from my accounts. I was advised to sign the letter three times and this would removed the restriction. Weve done everything possible and Navy Federal has continue to ignore our cries for help. There has to be someone who can make you release our money. The XXXX  referred me to CFPB and the CFPB referred me to a XXXX # thats disconnected. Ive attached a copy of the response from Navy Federal as well as CFPBs referral with a disconnected number. Someone help us please. I wonder how many other family lives has been destroyed by Navy Federal illegally refusing to honor valid POA. This final POA submission will include authentication ( XXXX ) through the Texas Secretary of State. It will also be recorded with XXXX XXXX and XXXX XXXX. Previous CFPB complaints are XXXX, XXXX. The instructions the CFPB gave me is attached but this phone number has been disconnected for months. So the agency set up to help me with Navy Federal is giving me information that lead me nowhere. The inaccurate information CFPB gave me states. The XXXX XXXX XXXX set up the XXXX XXXX XXXX XXXX The disconnected number they listed is XXXX XXXX. I pray in the name of XXXX to finally receive assistance with the horrors thats destroying my life. We had 90 days to register the XXXX XXXX that Navy Federal finance but was unable to do that because the bank account was frozen. The car title has been attached as proof the vehicle was purchased.","date_sent_to_company":"2022-11-13T22:30:16.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"75248","tags":null,"has_narrative":true,"complaint_id":"6198903","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2022-11-13T22:07:47.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Navy <em>Federal</em> have <em>broken</em> the <em>law</em> repeatedly and it must stop. Im XXXX but I still have rights and Im still a member. You must accept my new POA coming from my wife. You have no legal reason to object to my requests. You have verified my social security # with the XXXX  and you have my permission to verify my social with TDCJ or Texas Department Of Criminal Justice. My XXXX ID with my XXXX  # and DOB is sufficient. Im serving a XXXX XXXX and what youre doing is criminal."],"company":["NAVY <em>FEDERAL</em> CREDIT UNION"],"company_public_response":["Company believes it acted appropriately as authorized by contract or <em>law</em>"]},"sort":[10.130337,"6198903"]},{"_index":"complaint-public-v1","_id":"3529726","_score":8.84041,"_source":{"product":"Debt collection","complaint_what_happened":"Plaintiff submits this complaint only as it violates separate federal consumer law, not as a plaintiff in a law suit. I want you to look at it from just CFPB rules violated only! I am demanding that this agency investigate and enforce these violations.SEE : Executive Order XXXX  of XX/XX/XXXX : Promoting the Rule of Law Through Transparency and Fairness in Civil Administrative Enforcement and Adjudication. https : XXXX-and XXXX actually held the CONCEALED Note and the original Note in their vault. The newer Note was not filed with the XXXX CT state complaint, XXXX concealed it, as would SPS  when they became servicer. XXXX XXXX  issued Plaintiff a Note with XXXX Payments of {$10000.00} when he could hardly pay {$3000.00}, after they canceled the original Note. XXXX XXXX then instructed XXXX to conceal the second Note and to sue Plaintiff on the Note with XXXX Payments of {$10000.00}, but sent statements on Payments of {$10000.00}, the new concealed modified Note. XXXX XXXX, XXXX and SPS are mandated by state and federal law to do the right thing when mortgage lending, communicating with borrowers and in their representations and communications with the court. XXXX and XXXX XXXX  made the fateful decision on XX/XX/XXXX to file, in bad faith, a complaint on an expired Note and Security Instrument. At the same time, all defendants would end up suppressing and concealing the newer, but still illegal, modified Note and Security Instrument because it showed that XXXX XXXX broke the law by issuing an unsuitable adhesion modified Note and Security Instrument designed to replace the wrongful originated Note and Security Instrument to benefit only themselves by suppression of the wrong doing by XXXX in the originating Note and Security Instrument. Were there other ulterior motives not to correct Plaintiffs Note and Security Instrument? Instead of fixing both wrongful Note and Security Instruments,  allowing Plaintiff to survive in business and in personal health, XXXX XXXX, XXXX and SPS caused, and are liable for, great economic and emotional loss for Plaintiff who acted in good faith and tried to compromise repeatedly for five years.Plaintiff claims distress from constant ( XXXX   ) critogenic pressures. The acronym ( XXXX  ) stands for XXXX XXXX XXXX XXXX XXXX, as Plaintiff terms it. See What Roles Do Emotions Play in the Law? at  XXXX This case is about XXXX XXXX XXXX caused by 1,000s of individual stressful events, both phone and litigation, inflicted by all Defendants whose work intertwined with each of the others, working together over a ten-year period to collect money that Plaintiff did not have, or owe for that matter, i.e. on the invalidated Note. This case is not about money for moneys sake. It is about money for injuries and rampant abuse of the suppression of rightful evidence that would show liability that extended the duration of unreasonable harassment in the court and on the phone that would have allowed Plaintiff relief from the totality of all injuries, physical, emotionally and economical, inflicted by XXXX XXXX, XXXX and SPS, a XXXX XXXX collection frim. Furthermore, this case is not about losing a property. It is about injuries inflicted during the loss of Plaintiffs home. XXXX XXXX   received money from the sale of Plaintiffs property, by way of conversion, because it was taken improperly by using the invalid XX/XX/XXXX original Note # 1 terminated on XX/XX/XXXX that the court was led to believe were in good order. Judge, you were deceived. You have been Noticed of broken laws. Plaintiff Moves the court to properly adjudicate this matter. Neither the district court or the Magistrate court had nor have Plaintiffs permission to disregard the totality of his circumstances, respectfully but with true concern. His intention from day one was to include the totality of all circumstances. Plaintiff Moves the court to include the totality of circumstances and if not explain why not. This is another bit of proof that XXXX XXXX   and SPS were allegedly guilty of improper prohibited process and abuse of the law. Not once did any Defendant attempt to properly Notice the state court of the concealed prohibited modified XX/XX/XXXX Note # 2 that was concealed that would have benefited Mr., where conflicting issues remain. Plaintiff filed this lawsuit against two bank companies and one loan servicing company Defendants XXXX XXXX  XXXX XXXX. XXXX et al, XXXX XXXX XXXX, et al and Select Portfolio Servicers , Inc., et al as aggressors with alleged liability and causation for improper litigation on an irrelevant Note and Security Instrument when the relevant modified Note and Security Instrument was being concealed. And as aggressors with excessive unreasonable collection call behaviors and methods that caused Injured Party, a XXXX Veteran, to suffer extraordinary long-term harm and injuries that compounded. Plaintiff s individual injuries from bank and servicer overkill accumulated, pushing him down mentally and physically, with each event over duration of ten years ( XX/XX/XXXX-XX/XX/XXXX ). This continued EVEN AFTER Plaintiff told them repeatedly that he was already injured physically and mentally, that he had XXXX, that he did not want the calls to continue and to cease and desist, and astoundingly, after they put in writing that they would stop calling him. Yet they continued to call him, even calling and recording him twice, after he again complained. Much of what Plaintiff complained about was never recorded in their logs by Chases callers. Each distressful prohibited communication and prohibited litigation event built upon the last prohibited communication and prohibited litigation event. This constant harassment eventually drove Plaintiff out of business and into a XXXX  XXXX because he had to spend all of his time and money defending against prohibited calls and prohibited litigation. Each call on the illegal irrelevant original Note, while the relevant Note was being concealed felt like being stabbed over and over again with a pen knife. It is intended to cause discomfort in order to entice late payments to be paid. Politely calling once or twice is not unreasonable. But calling over 250 times after you told them to stop would be horrendous to any average person. Only an XXXX XXXX XXXX   would not be able to see that as it would apply to someone suing and calling with such disregard for legal procedure that would give the appearance of the collapse of the rule of law. It shows that they can not put themselves in another persons shoes. And that does not include THE DURATION of ten years of all of the improper, horrifying and traumatic litigation procedural abuse on the irrelevant original Note on a Plaintiff with the injuries herein. Plaintiff was and is entitled to closure from improper harassment, and on terms that are legal. This does not include hundreds of other calls in other concealed and suppressed XXXX and XXXX phone logs. Plaintiff sued all Defendants on the totality of thousands of litigation events and calling events that referred to the litigation events that caused him emotional ( and physical ) distress including suppression by causing thousands of intimidating misleading communication events by phone, misleading mail, misleading email and wrongful misleading litigation and unreasonable excessive misleading collection communication, combined with unreasonable delay, and suppression of Plaintiff s right to Due Process. The combination of the never-ending improper litigation harassment communication events and improper collection mail and telephone intrusion upon seclusion communication events, including all statements sent to plaintiff on the Note # 2, which they never filed in XXXX XXXX Records, after being told to stop, for ten years, over and over and over again, on invalidated documents filed where the state court was led to believe that the papers filed were valid and in good order. However, these were invalid original Note # 1 papers, filed by lawyers who took it upon them selves outside the law to suppress, conceal, exclude and omit valid, ( vital to justice ), contract documents they decided should be suppressed. All you have to do is ask the defendant 's if they filed the modified Note in CT state court. It was the duration and repeated inflictions of thousands of individual tele-harassment and wrongful litigation harassment events, ( XX/XX/XXXX caused XX/XX/XXXX), events for ten years on an illegally filed, expired original Note and Security Instrument while concealing the true nature of the modified Note. Objection : IT WAS NOT JUST PHONE CALLS. IT WAS EVERYTHING THEY WERE DOING IMPROPERLY THAT CAUSED PLAINTIFFS BUSINESS TO CRUMBLE AND FROM XXXX XXXX XXXX. The Defendant 's used this harassment formula because it kept pushing Plaintiff down, so far that, after a while he could not get up, and many times literally. The Core of Plaintiffs CFPB COMPLAINT is Defendants liability for allegedly inflicting debilitating emotional distress, un-reasonably inflicted upon Plaintiff XXXX after he told them to stop, caused by the duration of the totality of circumstances, of 1,000s of improper litigation and collection telephone and letter communication events on a suppressed, concealed and omitted prohibited XX/XX/XXXX modified Note and Security Instrument and while they sued Plaintiff in state court on a XX/XX/XXXX Note and Security Instrument with discharged terms and conditions. Defendants harassed Plaintiff for ten years on an invalid Note while concealing the valid superseding Note. See attached","date_sent_to_company":"2020-02-27T15:53:14.000Z","issue":"False statements or representation","sub_product":"Mortgage debt","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"3529726","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2020-02-12T20:30:30.000Z","state":"CT","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Plaintiff submits this complaint only as it violates separate <em>federal</em> consumer <em>law</em>, not as a plaintiff in a <em>law</em> suit. I want you to look at it from just CFPB rules violated only!"],"company_public_response":["Company believes it acted appropriately as authorized by contract or <em>law</em>"]},"sort":[8.84041,"3529726"]},{"_index":"complaint-public-v1","_id":"3147990","_score":8.322259,"_source":{"product":"Mortgage","complaint_what_happened":"I believe my bank, Navy Federal may be in violation of Regulation X, Real Estate Settlement Procedures Act and other LRR.\n\nI recently purchased a home through Navy Federal, beside their processes clearly being broken, i.e., pulling my credit when applying for the loan with delays in getting back to me as far as any approval or next steps. Not sure if this falls under Regulation Z, Truth In Lending Act.\n\nAt any rate I believe a thorough investigation is needed to ensure that the bank if adhering to Laws, Rules and Regulations ( LRR ). I suspect I am not the only customer that is or has experience this, but I am aware that the CFPB investigates this types of discrepancies.\n\nBackground : I applied for a new mortgage loan with Navy Federal in XX/XX/XXXX, delays transpired with a representative contacting me although they were happy to charge me for pulling my credit.\n\nAgainst, better judgment I decided to switch my lender to process my loan to Navy Federal, I informed them that I wanted a close date of XX/XX/XXXX. They ensured me that this is possible as it was greater than 30 days.\n\nFast forward to what I believe to be a violation, Reg X my initial closing disclosure was sent at the end of business XX/XX/XXXX for a closing on XX/XX/XXXX. As soon as I got the document I saw many huge errors, which raised concerns as the bank does closing disclosures all the time, I understand if the title company fees may be overstated as they are still working them out, but what I can not understand is the bank gun decking and not accurately reporting terms from the sale contract between myself and the seller. It took me less than 15 minutes to see the huge errors. I informed Navy Federal of this, they did not send an updated closing disclosure until end of business XX/XX/XXXX. These numbers were still incorrect and again took me minutes to see. I contacted the bank no one could explain the closing disclosure to me. My closing had already been set for XX/XX/XXXX at XXXX. So basically I was going into closing knowing that my bank had performed no due diligence on the closing disclosure which does not take long to execute. All the bank did was try to place blame on the title company, I am familiar with the process and understand the title company numbers are driven by the bank with the exception of the title companies fees, that being said why is Navy Federal conducted business in an unethical manner? Why are they lying to customers and why are they allowed to gun deck closing disclosure which I thought were to provide transparency in the mortgage process to the customer? The manner in which Navy Federal conducted business is the same that causes the mortgage crash in XX/XX/XXXX.\n\nNavy Federal behavior led me to sitting in closing for over 5 hours because they elected not to adhere to LRR. Even after this was pointed out to them, they took their sweet time. At the closing we ( attorney, agent and myself ) had to continue to call and email the bank to see how they were correcting their numbers. It is like the bank had four days to get me an accurate closing disclosure. Why is Navy Federal allowed 4 days and other banks must provide it in 3 days? If the point of the closing disclosure is to provide borrowers with pertinent and timely disclosures regarding the nature and costs of the real estate settlement process. I do not believe that I was provided with pertinent and timely disclosures for the cost relating to my transaction. Navy Federal Closing Disclosures did not include all monies received by the borrower which proof was provided with enough time for the bank to have this properly documented. The title owner premium was spelled out in the contract as the seller fees, NF charged this to me on the CD. The seller was provided 3 % closing cost, NF elected to modify this without my approval or knowledge. I was not informed that a bank could modify the terms of a sales contract. I do understand that fees could be overstated ( title company ) but I was under the belief that the final closing disclosure should be relatively close, my was not. I have been in closing and small changes made which took minutes. Navy Federal mishaps should have never occurred these were on the bank, they gun deck the closing disclosure absolutely no due diligence.\n\nI was charged twice for an appraisal, one which was authorized during the process and another NOT authorized charged after closing on XX/XX/XXXX. I am not sure if this falls under Reg X, but I am believe this is or should be a violation as well.\n\nOne of the issues that was pointed out in XX/XX/XXXX that it may be a surplus, in XX/XX/XXXX the bank stated that the surplus would go to principal payment. Even after I sat in closing for over 5 hours, Navy Federal overstated my principal payment to the credit bureaus, while not Reg X, I believe it is a LRR for this as well just unsure and do not have the bandwidth to find which LRR it falls under.\n\nHow is this bank allowed to do the aforesaid? I am fortunate to understand the process somewhat but most customers have no idea when their bank are not adhering LRR. This is not the manner any bank should function, I do not want any customer to have to experience the stress and any loss of money because Navy Federal believes that adhering to LRR is optional! My stress is not over as the bank is still not corrected the principal balance, it was on the updated closing disclosure how many screw ups are the banks allowed. Why am I the customer having to keep inspecting their work? At this rate I should be paid partial salary for hours spend on work that Navy Federal was supposed to do, they are not my employer.\n\nNote : loss of money was due to sitting in closing for 5 hours while my movers had to wait around until Navy Federal corrected the closing disclosure.\n\nI did contact the bank and detail how they failed see below, message to Navy Federal.\n\nI am very dissatisfied with the service Navy Federal provided, this loan ended the same way it started with issues and poor customer service.\n\nWhen I applied for the loan Navy Federal failed to reach out to move forward. When I was finally contacted XXXX was very rude and she hung up on me just because I asked her to repeat herself. Then an associate who stayed she was her boss called XXXX, we got through a lot of her questions we got disconnected I called back even left a voicemail but never heard from her. I had to contact Navy fed again since I was charged for credit pull and didn't receive any services for the pull.\n\nFinally XXXX   XXXX reached out and expressed they were sorry for the events transpired. She stated Navy Federal wanted my business and would do what they could to turn things around as this is not how Navy Federal conduct business.\n\nPerhaps this is my fault for believing Navy Federal would provide me a good experience after dropping the ball and I shouldve stayed with my initial lender XXXX XXXX. I was still afraid to switch and even during the process navy federal wasn't organized and didn't communicate well either.\n\n1. From an organization perspective I the borrower had to initially stalk Navy Federal after the fees for credit pull was taking to get a status and to move the application along even with me asking for a rush.\n\n2. Documents were constantly being requested that were previously sent which caused delays in processing.\n\n3. Documents were being requested in one offs that are part of a process i.e., master condo policies COI etc. These were nothing specific to me as a buyer but as the banks process for Condos, so all documents should been have asked for up front same as the initial W2, tax documents.\n\n4. The personnel that were processing the loan rarely acknowledge receipt of requested documents from buyer or agent office.\n\n5. The condo questionnaire that was requested with less than a two day turnaround was sent them it sat on someone desk, no out of office reply alerting the agent office to contact someone else to keep the loan moving.\n\n6. The asking for incorrect document needed again is like the bank had no clue on what is required for an internal process, creating more delays as everyone ( myself and agent office ) was very responsive with all request even those duplicated.\n\n7. The initial cd was gun decked NO DUE DILIGENCE at all, I guess associates are more concerned about getting home than doing things correctly, as I got this at the end of business day. Then me as the borrower with 15min saw huge mistakes that took still took Navy Federal forever to correct. How can a borrower find errors quickly but associates that do this task day end and day out send one with so many errors?\n\n8. The final disclosure was also incorrect AGAIN NO DUE DILIGENCE and sent at the very end of the work day 4:30 CST. No one could answer any questions to explain the CD to me. Then the blame game started with Navy Federal trying to put the items I had questions on to the title company. This is not my first closing, this is however the first time a lender was not able to answer my questions on the CD.\n\n9. The day of closing the CD is still incorrect hold up my entire closing and the root cause goes back to the initial problem poor customer service. I sat in closing for over 5 hours, approximately 8:25-1:25 and all the documents were signed before 9am except for the closing disclosure.\n\nWe ( lawyer, agent and myself ) contacted Navy Federal immediately when the title company alerted us that Navy Federal was unwilling to make the changes needed. I made contact with XXXX  as he and XXXX were the associates that indicated that surplus would be appropriated to the loan amount. He answered his phone initially and we ( lawyer, agent and myself ) had to keep stalking/calling Navy Federal to see whats going on.\n\nI heard from XXXX but as hours went passed I heard nothing from Navy Federal. When XXXX finally responded I finally hears back it was over 3 hours later after numerous emails and calls to the bank. I literally had to stalk Navy Federal which is exactly how my loan started. No apologies no update to keep me in the loop. The only updates I got was from the title company on all the bizarre changes Navy Federal was trying to do.\n\nIt is beyond my comprehension how the bank would change who pays the title owner premium as it is outlined in the contract. It is clear it is paid by the seller. In addition to the bank modifying number, they reduced the seller credit to me, again this is in the contract.\n\nIt was identified in the beginning ( XX/XX/XXXX) that it looks like there will be overage and in that event that occurred the remaining amount would be applied to the principal. This was stated in the very beginning XX/XX/XXXX and reiterated on XX/XX/XXXX in writing I have an email. As a customer I can not understand how my bank would do something like this to any customer and not even feel compelled to ever reach out and say something. The only time in over 4 hours I heard from the bank was when my agent or I called. Navy Federal mistake should not have been passed down to me and it also cost me money. Since Navy Federal decided to gun deck my loan, I had to pay those extra hours my movers while I was stuck in closing.\n\nThis was a quick fix. Move the title owners premium to the seller side as stated in the executed contract and update the seller credit back to the contract on the CD. Navy Federal credits could have simply been completed on Navy Federal after closing.\n\nThese are just a high level overview that capture some of the mishaps that occurred as I do not have the time to document them all since there were so many! Sending a CD should not be at the end of business day especially when it is already late. A CD should not take 3 days and on the 4th day my closing still be incorrect. I understand minor changes as I have seen them at previous closing but they were all resolved in minutes. I still regret choosing Navy Federal over XXXX, this was horrible experience and I would not wish this on anyone. Navy Federal has been my primary bank for years, it is apparent that I need to change that. I am beyond upset at how I was treated.\n\nNavy Federal personnel I had interactions with during this loan, the behind the scene associates I do not know but as a group Navy Federal failed me big time and cost me more money as my movers were by the hour and Navy Federal took 4.5 of them minus the .5 that we actually signed documents.\n\nNote : XXXX  was the only person to apologize although it was literally after sitting in the closing for over 4 hours, it was nice to hear someone say Navy Federal was at fault.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( do not have last name ) but he is the associate that kept telling the title company he didnt know how to do task.\n\nXXXX ( She was XXXX  fill in person on Thursday as he was not there when the final CD was provided ).\n\nXXXX XXXX XXXX XXXX manager I believe XXXX.","date_sent_to_company":"2019-02-10T15:02:58.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"60653","tags":"Servicemember","has_narrative":true,"complaint_id":"3147990","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2019-02-10T14:49:28.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["We ( <em>lawyer</em>, agent and myself ) contacted Navy <em>Federal</em> immediately when the title company alerted us that Navy <em>Federal</em> was unwilling to make the changes needed. I made contact with XXXX  as he and XXXX were the associates that indicated that surplus would be appropriated to the loan amount. He answered his phone initially and we ( <em>lawyer</em>, agent and myself ) had to keep stalking/calling Navy <em>Federal</em> to see whats going on."],"company":["NAVY <em>FEDERAL</em> CREDIT UNION"],"company_public_response":["Company believes it acted appropriately as authorized by contract or <em>law</em>"]},"sort":[8.322259,"3147990"]},{"_index":"complaint-public-v1","_id":"6681854","_score":7.878795,"_source":{"product":"Debt collection","complaint_what_happened":"So this whole situation has been going on since the spring of XXXX. Medical Recovery Services ( MRS ) seems to be able to overcome federal and state laws at every level of dealing with them. My wife was never served in the lawsuit and only appeared in the document I have provided. This whole thing is completely XXXX and seems so unbelievable. Submission of documents to come at agency request. There would be too much redaction to make most useful. \n\nThey have filed a criminal \" Contempt '' on me by purging the statement of facts and saying I never showed up to first attempt to collect via lawsuit, to which I did and spoke with the lawyer XXXX XXXX in XXXX of XXXX at XXXX County Courthouse. I told him that they were talking to the wrong person and I didn't owe the debt. I still have yet to see any \" proof '' of the debt they have sued me for. I never signed anything stating I had acknowledged the debt. He didn't even remember meeting with me at XXXX County Courthouse XXXX XXXX XXXX In our last hearing he stated I agreed to a payment plan of {$20.00}, even though I told him that I couldn't even afford {$5.00} at that first interaction. He said to come to him when I could afford to make a payment plan He also told me that it was okay and that he might need to file a lawsuit to collect the debt and I didn't need to do anything, not even respond to the lawsuit. That it would get worked out later. Also in the 1st garnishment hearing that he didn't remember meeting me. \n\nThere are 3 other known \" same names '' according to Idaho State Repository, one which shares my birthday. I think they got the wrong one of us, nor cared as one has a criminal record with multiple domestic violence charges that could have led to them seeking medical care. I myself, was also XXXX for a little over a year from XXXX, which would have made it very hard to get in contact with using a basic credit background information. After being XXXXXXXX I was homeless, living from couch to couch for some time. Which also makes it difficult to inform someone of a debt. \n\nI had filed a response to their lawsuit and asked for a number of items, including anything pertaining to myself and the supposed debt and any information with \" my name '' on it. This was never provided. On the date of the court hearing I was working labor jobs and was at the mercy of my boss as to the location. That morning I had found out we were working in XXXX XXXX, Idaho. There is no cell reception and I had planned on taking my lunchbreak to attend the hearing remotely, as it was done on XXXX. That morning I texted or called my wife and told her to call the courthouse, which she did repeatedly and left a voicemail trying to see about rescheduling as I would be out of service and my boss didn't want to pay mileage and had to ride with him. Finally, some time in the afternoon she had recieved a call from the County Clerk and was told it was too late and the judge had ruled a Summary Judgement against me. \n\nIn collecting the debt MRS had filed a garnishment against my wife 's paycheck taking money that has made it impossible to pay many of out other debts. Our rent had doubled recently as the property acquired new ownership of the 100 year old building with asbestos and lead exposure. It hasnt had legal modifications since XXXX and is a health risk, but it is all we can afford. Paint chipping away at the structure, as it is all we could afford, among our other bills. This garnishment has not only made it nearly impossible to keep a roof over our heads and thankfully we have a couple of food banks we can get food from, including the XXXX XXXX across the street. They are using the \" Community Property '' laws of Idaho to garnish my wife 's checks. I myself have recently been unable to work because of a major need for two XXXXXXXX XXXX Her income is the only income currently, I am going through the process of Social Security Disability with a number of diagnoses due to being physically abused much of my childhood ( Part of which likely caused my XXXX XXXX ) and of course the recent discovery of major medical issues. Idaho has laws meant to protect a wife 's income in its legislation, not to mention my wife would have been XXXX years old when this debt supposedly was incurred. She could have never consented to the debt if it were true. Previous to this, I was the only income as she was recovering from a major XXXX and was XXXX for nearly nine months. With my back issues, she demanded I stop working and she would work while I seek medical care. We have never had a \" Community Property '' relationship and as we have a significant age difference had held a verbal contract that we would keep out assets seperate. This was mainly to protect her in the event that we were to divorce. Divorce rates with our age difference is exceptionally high. Seperate accounts that niether has access to the others. We dont even have a loan or creditcard in both our names. We share no bank accounts, we both maintain seperate accounts which if I need money to pay something, I have to ask her for money. Which since marriage there is numerous monetary transfers between our seperate accounts. Our original lease for our apartment was only in my name since the landlord did not expect our age differences to work out and only allowed me to be the leaseholder. My wife is XXXX and I am XXXX, I've had nearly the equivalent of her lifetimes. I was a XXXX in XXXX XXXX when she was born in XXXX. XXXX XXXX was also able to gain my wife social security number which was written on a copy of the response from her work. They only got my social security number through me calling them to try to figure out where this came from. When you call MRS they first ask for your name, then birthday, and finally social security number. \n\nIn the garnishments the judgement specified that XXXX County Sherrifs Department collect her wages and process them. MRS had somehow subverted the Sherrifs Department on two garnishments, which I have email correspondence with The XXXX  and they had no record of communications with niether my wife 's employer, nor MRS themselves. We can not afford a lawyer and I have proof that the local legal aid will not accept any case at all, via screen recording every reason listed as what they handle and can help on. The self help section has no real value or has broken links that lead to dead pages. I have also talked to a woman from the local legal aid that said they dont handle debt collection, contrary to what the state and local legal aid websites state. This is another issue that seems to not only effect me, but anyone else in need of their services. \n\nXXXX XXXX has been the presiding judge on this case, and I suspect that he handles strictly MRS cases. He seemed to not remember ever meeting me in our last hearing, even has it was his authority that issued the Criminal Contempt Charge threat of a XXXX XXXX XXXX XXXX  Our last hearing he has denied all of the protections under state and federal law that should apply in the case and allowed the garnishments to go around his orders in the judgement and MRS to collect funds with no protections or accountability until this last garnishment made in XX/XX/XXXX which was made ahead of the court hearing. During the last hearing for garnishment, it was my wife who noticed that XXXX XXXX had filed the wrong documents, which were previously used and not current. All of XXXX XXXX case was filed wrong, if I had made the mistake in court, the whole thing would have been thrown out and ruled against me. I know I am not the only person who is poor and debts of a few hundred dollars is turned into thousands of dollars bevause of MRS and/or XXXX XXXX , even though, if you were to walk into his office, it seems like there are very few people who actually work there. The whole thing stinks of corruption. XXXX XXXX also refused both my wife 's and I 's claim to all the exemptions and protections Today XX/XX/XXXX I walked into the office of MRS and asked for all the documents in regard to my account, to which I was told that the debt was no longer theirs, but was XXXX XXXXXXXX XXXX law firm, which if I remember right would make him a debt buyer, which is not collecting in the name of the Hospital, but in his name. I then went to his office and the receptionist said they couldn't give me anything I wanted and that it was my fault because even though my response was direct in asking for certain items in the original lawsuit. They refused to even give me any proof of the debt, which after 2 years I never recieved or seen. \n\nDuring most of this I have been under the influence of pain and aXXXX XXXX  three times a day, due to my past that has created XXXX XXXX, XXXXXXXX XXXX XXXX, and in the past two years been XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and months with a stent and the surguries to remove them. Plus I am under medications that are known and purposely induce short term XXXX to 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 while dealing with this. It has costed us so much to keep moving forward, including me having to be given a stronger XXXX XXXX I also was in a vehicular accident that exposed and possibly caused more damage. I have since been given a XXXX XXXX to aid me in social situations and been officially designated as XXXX enough to now have a XXXX XXXX. All while dealing with issues of money, this lawsuit and following garnishments, and my wife stressed out beyond what a XXXX XXXX XXXX should be subjected to over this. \n\nI believe that XXXX XXXX 's influence as a former Idaho State Legislature has made him be able to file wrong documents, fail to meet the terms of proving the debt, and have a judge that is exclusively available to him. \n\nHe has also been able to step himself over child support arrears of close to $ XXXX and another judgement filed by the State of Oregon for a XXXX  when I was XXXX. It has also created a ton of stress as many bills can not be paid and will soon bury us. He also will soon have to step over me needing to pay for my {$60.00} of college debt. Under the precedence he has set, it opens a huge whole in credit protection for spouses everywhere. Both my wife and I had got our credit score from the upper 400 to close to 700, now after all this we have fallen back to upper 400- lower 500 due to not being able to pay debts. \n\nMy complaints are made toward : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Involves but not against XXXX XXXX Sheriff 's Department All but one of the court interactions have been recorded via XXXX and hopefully documented at the courthouse.","date_sent_to_company":"2023-03-11T05:38:01.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"83402","tags":null,"has_narrative":true,"complaint_id":"6681854","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Medical Recovery Services, LLC","date_received":"2023-03-11T05:10:15.000Z","state":"ID","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["We can not afford a <em>lawyer</em> and I have proof that the local legal aid will not accept any case at all, via screen recording every reason listed as what they handle and can help on. The self help section has no real value or has <em>broken</em> links that lead to dead pages. I have also talked to a woman from the local legal aid that said they dont handle debt collection, contrary to what the <em>state</em> and local legal aid websites <em>state</em>."]},"sort":[7.878795,"6681854"]},{"_index":"complaint-public-v1","_id":"3766029","_score":7.8467245,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"STATE AND FEDERAL CRIMINAL CONSUMER COMPLAIN AGAINST CREDITOR, COLLECTION AGANCY AND CREDIT REPORTING AGENCIES This was a monthly rent to own agreement on a storage building with the XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, ( not to be confused with XXXX XXXX, trust me ). Agreement made in XXXX. The building was delivered to our restaurant property by the owner, XXXX XXXX, whom is illegally running a corporation for the advantages of personal protection against liability, however has absolutely no corporate veil as he and his wife ( the actual partnership ) have absolutely none of the required meetings, nor any of the minutes to support such meetings. This is a theme with them : they fake being XXXX XXXX XXXX XXXX, they fake being a corporation and they also claim to be XXXX. \nHowever, XXXX XXXX ( at the time ) went overboard with weekly meetings of the directors and officers so we could enjoy the protection of the corporate veil. I was XXXX of XXXX XXXX XXXX XXXX   XXXX XXXX here in XXXX Kentucky. The agreement was between XXXX   XXXX ( I had several at the time ) and XXXX, XXXX We had a meeting on it, approved the expenditure and recorded it in minutes. I was in no way a personal guarantee as were none of the other Officers or Directors ( we actually had 8 at the time ). I signed the agreement with XXXX, XXXX, as XXXX XXXX  and authorized representative of the company ( as the agreement states ). Not a personal guarantor as XXXX would like to claim. As much as he skirts the legal operation of a business ( as you will see with my continued narrative ) I am sure he fully understands the difference. This, of course, proving these frauds/crimes are being committed with malice and intent by XXXX and his partner XXXX XXXX. White collar they may be, they are still criminal. \nWhen XXXX, XXXX XXXX XXXX XXXX made its monthly payment, I let XXXX know we were in the process of cleaning out the building, would be taking advantage of the surrender clause of the agreement and would be surrendering the building within the week. I told him I would call him when it was ready to pick up. Mind you, our company had just paid our month in advance rent. \nI called XXXX within that week and he told me he would be over as soon as he could to pick it up. He waited four weeks to pick it up and in the interim, charged mt company another months rent. Shortly after he charged my company another months rent, he picked up the building. When I confronted him with the fraudulent charges and my companys refusal to pay it, he expressed how he would come at me and my company hard. He threatened lawyers, lawsuits and expressed he would get that fraudulent charge no matter what it takes. \nXXXX has proven to be such the criminal as he even went as far as to contact other business associates of mine to shame me into paying this fraudulent charge ( {$340.00} ) including ( but not limited to ) contacting XXXX XXXX, the property owner of XXXX XXXX XXXX informed me and was flabbergasted, questioning what XXXX expected him to do about it. XXXX went on to turn this fraudulent debt over to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, TN, XXXX. For the purpose of accessory to the various crimes and liabilities committed and created by XXXX and XXXX, this complaint also includes XXXX XXXX XXXX, owner of XXXX XXXX XXXX XXXX XXXX and any employees and/or ensigns that have assisted XXXX and XXXX in their fraudulent and deceptive business practices. I am most certain I am not the only one either company has done this to. \nThis complaint is also against XXXX, XXXX and Equifax ( credit reporting companies ) as ; after numerous attempts to report and have these fraudulent collections removed from my report, they have not followed the letter of the law in confirming such fraudulent charges and have caused severe damage to my credit profile and buying power. This charge needs to be immediately removed from my report and all three credit reporting agencies are now liable to me as according to the Fair Credit Reporting Act ( treble damages due to their fiduciary duties ). This constitutes an emergency as these fraudulent charges and collections being reported on my credit is causing immediate and irreparable harm. \nPlease understand, this fraudulent charge was also reported to my personal credit report, illegally as I was afforded the protections from liability ( including debt ) by XXXX  and being XXXX by a legal Kentucky corporation. XXXX nor XXXX have any authority to circumvent these or any of the other laws they are breaking or have broken. This fraudulent reporting has been complained of to XXXX, XXXX, the collection company and the credit reporting agencies. It is now being complained of to the Commonwealths Attorney, the Kentucky Attorney General, the Tennessee States Attorney, the Tennessee Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau before the liability claim is filed in all courts of competent jurisdiction. \nI ceased any XXXX or XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. The other officers and directors assumed full ownership and went on with their business and liability on their own. This fraudulent charge has absolutely nothing to do with me. The owners of the XXXX XXXX XXXX XXXX XXXX are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX This complaint is being made under commonwealth, state, and federal jurisdiction as laid out in KRS 367.170 Unlawful acts including unfair, false Misleading or deceptive practices in the conduct of any trade or commerce are hereby declared unlawful. As well as Title 47, Chapter 18 of the Tennessee Code, Section 47-18-104 of the Act prohibits unfair or deceptive practices. As well as Section 5 of the Federal Trade Commission Act that also deems unfair or deceptive acts or practices in or affecting commerce, are hereby declared unlawful. Deceptively creating charges not owed, fraudulently reporting such charges, hiring a company to enforce such charges, contacting known business associates to embarrass and shame me into paying, holding me personally liable for a companys debt are all unfair and deceptive acts or practices violating the above mentioned Federal and State Laws as well as the following Federal laws and their Commonwealth of Kentucky and Tennessee State Counter Parts : FAIR DEBT COLLECTIONS PRACTICES ACT As amended by public law 111 203, title x, 124 stat. 2092 ( 2010 ) 805 ( b ) as this is not my debt and I gave no such permission to communicate this fraudulent debt with any party, business or entity including but not limited to a consumer reporting Reporting false debts is a crime.\n\n806 Turning a fraudulent business debt over to collections and reporting agency as my personal debt, in order to harass, oppress and abuse me to collect this debt. \n806 ( 1 ) Calling my landlord to embarrass me about a nonexistent business debt, making an unsolicited reference to my financial reputation concerning a business debt for a company I worked for and was only a part of. \n807 ( 2 ) ( A ) the character, amount and legal status have been fraudulently reported by XXXX and XXXX in an attempt to force personal liability on the concocted charges, THEFT. \n807 ( 5 ) threat to report as debt ( was not a debt ), a personal debt ( was corporation debt ) to reporting agencies and collections.\n\n807 ( 6 ) ( B ) in the false representation that I am personally responsible.\n\n807 ( 7 ) disgracing me to my landlord as not paying a personal debt when this is no debt and a non-debt that should be charged to a business, I was a part of a long with 8 others.\n\n807 ( 8 ) communicated with landlord, credit reporting agencies, collections company, community credit information they knew was false as they delayed pick-up to create fraudulent charges and knew this was an agreement with a corporation, I was not a personal guarantee any more than any of the other officers in the corporation that also owned stock. They are not to be held responsible for any debt of the companies they may hold stock/stake in.\n\n807 ( 10 ) in that they falsely reported this to collection agency and credit reporting agency causing me damage in an attempt to shame me into paying a fraudulent debt. THEFT.\n\n808 May not use unfair or unconscionable means to collect any debt including : 808 ( 1 ) The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law., No where in the law or agreement is it stated I am a personal guarantor for a corporate debt as a representative of that corporation. In fact there is law against it ; no where in the agreement or the law does it allow XXXX and XXXX to charge the company more rent after the building was surrendered just because they decided not to reclaim their property after the surrender. \n808 ( 6 ) ( b ) They charged another unauthorized, fraudulent month simply because they had absolutely no intention to take possession of their property despite proper notice and surrender.\n\n809 ( a ) ( 1 ) no written communication 809 ( a ) ( 2 ) no written communication 809 ( a ) ( 3 ) no written communication 809 ( a ) ( 4 ) no written communication 809 ( a ) ( 5 ) no written communication, they knew they were wrong, wanted no records.\n\n809 ( b ) as there was no written notice the only response was when they illegally called my landlord and when I repeated/ contested this as not my debt, however no response does not equal admission or acceptance of fraudulent debt. \n813 creates XXXX XXXX XXXX and the credit reporting agencies liability to me as actual damages ( everything I was denied credit for ) ; {$1000.00} per incident ; and attorneys fees/court costs as well as punitive damages. \n813 ( b ) ( 1 ) this has gone on for years, with many more people beside me, this is their standard unfair/deceptive/fraudulent business practice that they perpetuate on our community and the courts are to consider the frequency and persistence of noncompliance, the nature of such non compliance and the extent to which such noncompliance was intentional Finally subsection 814 of the FDCPA gives the Federal Trade Commission the authority to enforce compliance with the FDCPA except on the government and that any violation of this chapter shall ( not may ) be deemed an unfair or deceptive practice in violation of that act. All of the functions and powers of the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by ANY person with this subchapter, irrespective of whether that person in engaged in commerce or meets ant other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter, in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule. \n\nFAIR CREDIT REPORTING ACT 15 U.S.C. subsesction 1681 Revised XXXX XXXX 603 ( k ) ( 1 ) describes the actions included in adverse actions, these would be the adverse actions caused by XXXX, XXXX and XXXX fraudulent and deceptive practices. \n603 ( k ) ( 1A ) explains it the same meaning as 701 ( d ) ( 6 ) of the equal Credit Opportunity Act of which they are clearly in violation of.\n\n603 ( k ) ( 1 ) ( B ) ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee. I have been denied XXXX figure employment due to erroneous collections on my credit report 603 ( k ) ( 1 ) ( B ) ( iii ) A denial or cancelation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of any license or benefit described in section 604 ( a ) ( 3 ) ( D ) : I have been denied my ability to obtain my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n603 ( k ) ( 1 ( ) ( B ) ( iv ) ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under 604 ( a ) ( 3 ) ( F ) ( ii ) I have been denied several applications of credit due to this fraudulent reporting of this fraudulent charge and am currently waiting its removal to follow through with personal credit for a farm and several other obligations and endeavors. \n603 ( k ) ( 1 ) ( B ) ( iv ) ( II ) adverse to the interest of the consumer, I have had to avoid lucrative business and personal endeavors due to this false/fraudulent collection. \n611 PROCEDURE IN CASE OF DISPUTED ACCURACY there is absolutely nothing about this debt that is not inaccurate and that I have not contested. From the validity to reporting it as my personal debt. These commonly used practices by XXXX, XXXX and XXXX are deceptive and inaccurate. XXXX, XXXX, XXXX and all three credit reporting agencies are in violation of this subsection in that : 611 ( a ) ( 1 ) ( A ) requires an actual reinvestigation, not just everyone swearing by  their lies as has been done in this instance by XXXX, XXXX, XXXX and the three credit reporting agencies, the credit reporting agencies conduct no reasonable reinvestigation. They ask XXXX if the information is correct, he says yes with absolutely no supporting documentation ( as Im sure XXXX and XXXX hasnt given him any as it does not exist ) so the third party fraud is confirmed and left illegally on my credit report. This complaint could not be determined frivolous by credit reporting agencies as I have supplied documentation, evidence and facts for years now as well as correctly filled out their contact forms as per their limitations in number or words/characters. \n611 ( a ) ( 2 ) ( A ) I have never been contacted within 5 days of requesting reinvestigation from anyone, let alone the three major credit reporting agencies. \n611 ( a ) ( 5 ) ( A ) ( i ) this has not been promptly deleted by all three credit reporting agencies as mandated as they failed in their reinvestigation duties of proof and evidence. \n611 ( a ) ( 5 ) ( B ) ( iii ) ( I ) I have never received notice from ANY of the three credit reporting agencies of Reinstatement at all, let alone with 5 days as mandated. \n611 ( a ) ( 8 ) I am requesting expedited recourse as the irreparable harm continues with this on my report. This needs to be removed with 3 days.\n\n621 in this complaint I have proven several violations of these acts. Federal trade commission has jurisdiction in that a violation of any of the requirement or prohibition imposed under this title shall ( not may ) constitute an unfair or deceptive act or practice in commerce, in violation of section 5 ( a ) of the Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ) and shall ( not may ) be subject to enforcement by the Federal Trade Commission under section 5 ( b ) of that Act with respect to any consumer reporting agency OR person that is subject to enforcement by the Federal Trade Commission 621 ( a ) ( 2 ) ( A ) in the event of knowing violation ( reporting agencies and collectors of debt are required to know. Ignorance of the law is no  excuse ) which constitutes a pattern OR practice of violations of this title, The Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil liability of not mor that {$3700.00} per violation. I am requesting a full investigation and that this suite be brought against the several peoples for the several incidents so I can recover them maximum damages, as well as attorneys fees. \n621 ( c ) ( 1 ) I also invoke state jurisdiction for civil and criminal liability of XXXX, XXXX, XXXX and all parties involved with their businesses or the several consumer reporting agencies already named. \n623 ( a ) ( 1 ) ( A ) makes it illegal to provide inaccurate information to credit reporting agencies. XXXX, XXXX and XXXX knew full well these charges were fraudulent, illegal and I had absolutely no personal liability in them as this has been complained of numerous times for years now. \n623 ( a ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors is also illegal. I have proven this fraud and complained of it multiple times to all parties involved.\n\n623 ( 2 ) ( B ) It is the duty of the reporting agency to correct as well as the duty of the collection agency to inform. None of this has ever been corrected despite repeated complaints and evidence.\n\n623 ( 3 ) If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. This fraudulent charge has NEVER not been disputed since it was fraudulently created. \n623 ( 7 ) I have not received any notices in writing concerning this debt, my complaints, the outcome of investigations or even that there were investigations.\n\n623 ( 9 ) ( b ) Duties of Furnishers of Information upon Notice of Dispute, summarily NONE of these have aver been followed in any of the numerous disputes and complaints I have filed, causing several hundred incidents of violations to this title by the furnishers of information, XXXX, XXXX and XXXX I am also requesting the above named be investigated for state and federal wire fraud as these communications and this fraud has repeatedly occurred across state lines in my case as well as the several other cases ( specifically targeting disadvantaged peoples ) as your thorough investigation will uncover. \n\n\nXXXX XXXX Dated : XX/XX/XXXX","date_sent_to_company":"2020-07-27T21:16:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"420XX","tags":null,"has_narrative":true,"complaint_id":"3766029","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-07-27T21:15:56.000Z","state":"KY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Deceptively creating charges not owed, fraudulently reporting such charges, hiring a company to enforce such charges, contacting known business associates to embarrass and shame me into paying, holding me personally liable for a companys debt are all unfair and deceptive acts or practices violating the above mentioned <em>Federal</em> and <em>State</em> <em>Laws</em> as well as the following <em>Federal</em> <em>laws</em> and their Commonwealth of Kentucky and Tennessee <em>State</em> Counter Parts : FAIR DEBT COLLECTIONS PRACTICES ACT As amended by"]},"sort":[7.8467245,"3766029"]},{"_index":"complaint-public-v1","_id":"3766408","_score":7.8291507,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"STATE AND FEDERAL CRIMINAL CONSUMER COMPLAIN AGAINST CREDITOR, COLLECTION AGANCY AND CREDIT REPORTING AGENCIES This was a monthly rent to own agreement on a storage building with the XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, ( not to be confused with XXXX, XXXX, trust me ). Agreement made  in XXXX. The building was delivered to our restaurant property by the owner, XXXX XXXX, whom is illegally running a corporation for the advantages of personal protection against liability, however has absolutely no corporate veil as he and his wife ( the  actual partnership ) have absolutely none of the required meetings, nor any of the minutes to support such meetings. This is a theme with them : they fake being XXXX XXXX XXXX XXXX, they fake being a corporation and they also claim to be XXXX. \nHowever, My XXXX ( at the time ) went overboard with weekly meetings of the directors and officers so we could enjoy the protection of the corporate veil. I was XXXX/XXXX of The XXXX XXXX XXXX  XXXX XXXX here in XXXX Kentucky. The agreement was between my XXXX ( I had several at the time ) and XXXX, XXXX We had a meeting on it, approved the expenditure and recorded it in minutes. I was in no way a personal guarantee as were none of the other Officers or Directors ( we actually had 8 at the time ). I signed the agreement with XXXX, XXXX, as an employee and authorized representative of the company ( as the agreement states ). Not a personal guarantor as XXXX would like to claim. As much as he skirts the legal operation of a business ( as you will see with my continued narrative ) I am sure he fully understands the difference. This, of course, proving these frauds/crimes are being committed with malice and intent by XXXX and his partner XXXX XXXX. White collar they may be, they are still criminal. \nWhen XXXX, XXXX XXXX XXXX XXXX made its monthly payment, I let XXXX know we were in the process of cleaning out the building, would be taking advantage of the surrender clause of the agreement and would be surrendering the building within the week. I told him I would call him when it was ready to pick up. Mind you, our XXXX had just paid our month in advance rent. \nI called XXXX within that week and he told me he would be over as soon as he could to pick it up. He waited four weeks to pick it up and in the interim, charged mt XXXX another months rent. Shortly after he charged my company another months rent, he picked up the building. When I confronted him with the fraudulent charges and my companys refusal to pay it, he expressed how he would come at me and my company hard. He threatened lawyers, lawsuits and expressed he would get that fraudulent charge no matter what it takes. \nXXXX has proven to be such the criminal as he even went as far as to contact other business associates of mine to shame me into paying this fraudulent charge ( {$340.00} ) including ( but not limited to ) contacting XXXX XXXX, the property owner of my XXXX. XXXX informed me and was flabbergasted, questioning what XXXX expected him to do about it. XXXX went on to turn this fraudulent debt over to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, TN, XXXX. For the purpose of accessory to the various crimes and liabilities committed and created by XXXX and XXXX, this complaint also includes XXXX XXXX XXXX, owner of XXXX XXXX XXXX XXXX XXXX and any employees and/or ensigns that have assisted XXXX and XXXX in their fraudulent and deceptive business practices. I am most certain I am not the only one either company has done this to. \nThis complaint is also against Transunion, XXXX   and XXXX ( credit reporting companies ) as ; after numerous attempts to report and have these fraudulent collections removed from my report, they have not followed the letter of the law in confirming such fraudulent charges and have caused severe damage to my credit profile and buying power. This charge needs to be immediately removed from my report and all three credit reporting agencies are now liable to me as according to the Fair Credit Reporting Act ( treble damages due to their fiduciary duties ).  This constitutes an emergency as these fraudulent charges and collections being reported on my credit is causing immediate and irreparable harm. \nPlease understand, this fraudulent charge was also reported to my personal credit report, illegally as I was afforded the protections from liability ( including debt ) by owning and being employed by a legal Kentucky corporation. XXXX nor XXXX have any authority to circumvent these or any of the other laws they are breaking or have broken. This fraudulent reporting has been complained of to XXXX, XXXX, the collection company and the credit reporting agencies. It is now being complained of to the Commonwealths Attorney, the Kentucky Attorney General, the Tennessee States Attorney, the Tennessee Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau before the liability claim is filed in all courts of competent jurisdiction. \nI ceased any XXXX or XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX XXXX company on XX/XX/XXXX. The other officers and directors assumed full ownership and went on with their business and liability on their own. This fraudulent charge has absolutely nothing to do with me. The owners of the XXXX XXXX XXXX XXXX XXXX are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX ( CFO ) This complaint is being made under commonwealth, state, and federal jurisdiction as laid out in KRS 367.170 Unlawful acts including unfair, false Misleading or deceptive practices in the conduct of any trade or commerce are hereby declared unlawful. As well as Title 47, Chapter XXXX of the Tennessee Code, Section 47-18-104 of the Act prohibits unfair or deceptive practices. As well as Section 5 of the Federal Trade Commission Act that also deems unfair or deceptive acts or practices in or affecting commerce, are hereby declared unlawful. Deceptively creating charges not owed, fraudulently reporting such charges, hiring a company to enforce such charges, contacting known business associates to embarrass and shame me into paying, holding me personally liable for a companys debt are all unfair and deceptive acts or practices violating the above mentioned Federal and State Laws as well as the following Federal laws and their Commonwealth of Kentucky and Tennessee State Counter Parts : FAIR DEBT COLLECTIONS PRACTICES ACT As amended by public law 111 203, title x, 124 stat. 2092 ( 2010 ) 805 ( b ) as this is not my debt and I gave no such permission to communicate this fraudulent debt with any party, business or entity including but not limited to a consumer reporting Reporting false debts is a crime.\n\n806 Turning a fraudulent business debt over to collections and reporting agency as my personal debt, in order to harass, oppress and abuse me to collect this debt. \n806 ( 1 ) Calling my landlord to embarrass me about a nonexistent business debt, making an unsolicited reference to my financial reputation concerning a business debt for a company I worked for and was only a part of. \n807 ( 2 ) ( A ) the character, amount and legal status have been fraudulently reported by XXXX and XXXX in an attempt to force personal liability on the concocted charges, THEFT. \n807 ( 5 ) threat to report as debt ( was not a debt ), a personal debt ( was corporation debt ) to reporting agencies and collections. \n807 ( 6 ) ( B ) in the false representation that I am personally responsible. \n807 ( 7 ) disgracing me to my landlord as not paying a personal debt when this is no debt and a non-debt that should be charged to a business, I was a part of a long with 8 others.\n\n807 ( 8 ) communicated with landlord, credit reporting agencies, collections company, community credit information they knew was false as they delayed pick-up to create fraudulent charges and knew this was an agreement with a corporation, I was not a personal guarantee any more than any of the other officers in the corporation that also owned stock. They are not to be held responsible for any debt of the companies they may hold stock/stake in.\n\n807 ( 10 ) in that they falsely reported this to collection agency and credit reporting agency causing me damage in an attempt to shame me into paying a fraudulent debt. THEFT.\n\n808 May not use unfair or unconscionable means to collect any debt including : 808 ( 1 ) The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law., No where in the law or agreement is it stated I am a personal guarantor for a corporate debt as a representative of that corporation. In fact there is law against it ; no where in the agreement or the law does it allow XXXX and XXXX to charge the company more rent after the building was surrendered just because they decided not to reclaim their property after the surrender. \n808 ( 6 ) ( b ) They charged another unauthorized, fraudulent month simply because they had absolutely no intention to take possession of their property despite proper notice and surrender. \n809 ( a ) ( 1 ) no written communication 809 ( a ) ( 2 ) no written communication 809 ( a ) ( 3 ) no written communication 809 ( a ) ( 4 ) no written communication 809 ( a ) ( 5 ) no written  communication, they knew they were wrong, wanted no records. \n809 ( b ) as there was no written notice the only response was when they illegally called my landlord and when I repeated/ contested this as not my debt, however no response does not equal admission or acceptance of fraudulent debt. \n813 creates XXXX, XXXX, XXXX and the credit reporting agencies liability to me as actual damages ( everything I was denied credit for ) ; {$1000.00} per incident ; and attorneys fees/court costs as well as punitive damages. \n813 ( b ) ( 1 ) this has gone on for years, with many more people beside me, this is their standard unfair/deceptive/fraudulent business practice that they perpetuate on our community and the courts are to consider the frequency and persistence of noncompliance, the nature of such non compliance and the extent to which such noncompliance was intentional Finally subsection 814 of the FDCPA gives the Federal Trade Commission the authority to enforce compliance with the FDCPA except on the government and that any violation of this chapter shall ( not may ) be deemed an unfair or deceptive practice in violation of that act. All of the functions and powers of the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by ANY person with this subchapter, irrespective of whether that person in engaged in commerce or meets ant other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter, in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule. \n\nFAIR CREDIT REPORTING ACT 15 U.S.C. subsesction 1681 Revised September 2018 603 ( k ) ( 1 ) describes the actions included in adverse  actions, these would be the adverse actions caused by XXXX, XXXX and XXXX fraudulent and deceptive practices. \n603 ( k ) ( 1A ) explains it the same meaning as 701 ( d ) ( 6 ) of the equal Credit Opportunity Act of which they are clearly in violation of.\n\n603 ( k ) ( 1 ) ( B ) ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee. I have been denied six figure employment due to erroneous collections on my credit report 603 ( k ) ( 1 ) ( B ) ( iii ) A denial or cancelation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of any license or benefit described in section 604 ( a ) ( 3 ) ( D ) : I have been denied my ability to obtain my real estate license, Private investigators license, electricians license, pilots license and debt management license.\n\n603 ( k ) ( 1 ( ) ( B ) ( iv ) ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under 604 ( a ) ( 3 ) ( F ) ( ii ) I have been denied several applications of credit due to this fraudulent reporting of this fraudulent charge and am currently waiting its removal to follow through with personal credit for a farm and several other obligations and endeavors.\n\n603 ( k ) ( 1 ) ( B ) ( iv ) ( II ) adverse to the interest of the consumer, I have had to avoid lucrative business and personal endeavors due to this false/fraudulent collection. \n611 PROCEDURE IN CASE OF DISPUTED ACCURACY there is absolutely nothing about this debt that is not inaccurate and that I have not contested. From the validity to reporting it as my personal debt. These commonly used practices by XXXX, XXXX and XXXX are deceptive and inaccurate. XXXX, XXXX, XXXX and all three credit reporting agencies are in violation of this subsection in that : 611 ( a ) ( 1 ) ( A ) requires an actual reinvestigation, not just everyone swearing by their lies as has been done in this instance by XXXX, XXXX, XXXX and the three credit reporting agencies, the credit reporting agencies conduct no reasonable reinvestigation. They ask XXXX if the information is correct, he says yes with absolutely no supporting documentation ( as Im sure XXXX and XXXX hasnt given him any as it does not exist ) so the third party fraud is confirmed and left illegally on my credit report. This complaint could not be determined frivolous by credit reporting agencies as I have supplied documentation, evidence and facts for years now as well as correctly filled out their contact forms as per their limitations in number or words/characters. \n611 ( a ) ( 2 ) ( A ) I have never been contacted within 5 days of requesting reinvestigation from anyone, let alone the three major credit reporting agencies.\n\n611 ( a ) ( 5 ) ( A ) ( i ) this has not been promptly deleted by all three credit reporting agencies as mandated as they failed in their reinvestigation duties of proof and evidence.\n\n611 ( a ) ( 5 ) ( B ) ( iii ) ( I ) I have never received notice from ANY of the three credit reporting agencies of Reinstatement at all, let alone with 5 days as mandated.\n\n611 ( a ) ( 8 ) I am requesting expedited recourse as the irreparable harm continues with this on my report. This needs to be removed with 3 days. \n621 in this complaint I have proven several violations of these acts. Federal trade commission has jurisdiction in that a violation of any of the requirement or prohibition imposed under this title shall ( not may ) constitute an unfair or deceptive act or practice in commerce, in violation of section 5 ( a ) of the Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ) and shall ( not may ) be subject to  enforcement by the Federal Trade Commission under section 5 ( b ) of that Act with respect to any consumer reporting agency OR person that is subject to enforcement by the Federal Trade Commission 621 ( a ) ( 2 ) ( A ) in the event of knowing violation ( reporting agencies and collectors of debt are required to know. Ignorance of the law is no excuse ) which constitutes a pattern OR practice of violations of this title, The Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil liability of not mor that {$3700.00} per violation. I am requesting a full investigation and that this suite be brought against the several peoples for the several incidents so I can recover them maximum damages, as well as attorneys fees. \n621 ( c ) ( 1 ) I also invoke state jurisdiction for civil and criminal liability of XXXX, XXXX, XXXX and all parties involved with their businesses or the several consumer reporting agencies already named. \n623 ( a ) ( 1 ) ( A ) makes it illegal to provide inaccurate information to credit reporting agencies. XXXX, XXXX and XXXX knew full well these charges were fraudulent, illegal and I had absolutely no personal liability in them as this has been complained of numerous times for years now. \n623 ( a ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors is also illegal. I have proven this fraud and complained of it multiple times to all parties involved. \n623 ( 2 ) ( B ) It is the duty of the reporting agency to correct as well as the duty of the collection agency to inform. None of this has ever been corrected despite repeated complaints and evidence. \n623 ( 3 ) If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. This fraudulent charge has NEVER not been disputed since it was fraudulently created. \n623 ( 7 ) I have not received any notices in writing concerning this debt, my complaints, the outcome of investigations or even that there were investigations.\n\n623 ( 9 ) ( b ) Duties of Furnishers of Information upon Notice of Dispute, summarily NONE of these have aver been followed in any of the numerous disputes and complaints I have filed, causing several hundred incidents of violations to this title by the furnishers of information, XXXX, XXXX and XXXX I am also requesting the above named be investigated for state and federal wire fraud as these communications and this fraud has repeatedly occurred across state lines in my case as well as the several other cases ( specifically targeting disadvantaged peoples ) as your thorough investigation will uncover. \n\n\nXXXX XXXX Dated : XX/XX/XXXX","date_sent_to_company":"2020-07-27T21:15:51.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"420XX","tags":null,"has_narrative":true,"complaint_id":"3766408","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-07-27T20:54:50.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Deceptively creating charges not owed, fraudulently reporting such charges, hiring a company to enforce such charges, contacting known business associates to embarrass and shame me into paying, holding me personally liable for a companys debt are all unfair and deceptive acts or practices violating the above mentioned <em>Federal</em> and <em>State</em> <em>Laws</em> as well as the following <em>Federal</em> <em>laws</em> and their Commonwealth of Kentucky and Tennessee <em>State</em> Counter Parts : FAIR DEBT COLLECTIONS PRACTICES ACT As amended by"]},"sort":[7.8291507,"3766408"]},{"_index":"complaint-public-v1","_id":"3766028","_score":7.8291507,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"STATE AND FEDERAL CRIMINAL CONSUMER COMPLAIN AGAINST CREDITOR, COLLECTION AGANCY AND CREDIT REPORTING AGENCIES This was a monthly rent to own agreement on a storage building with the XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX, KY. XXXX, ( not to be confused with XXXX  XXXX, XXXX XXXX ). Agreement made in XXXX. The building was delivered to our XXXX   property by the owner, XXXX XXXX, whom is illegally running a corporation for the advantages of personal protection against liability, however has absolutely no corporate veil as he and his wife ( the actual partnership ) have absolutely none of the required meetings, nor any of the minutes to support such meetings. This is a theme with them : they fake being XXXX XXXX XXXX XXXX, they fake being a corporation and they also claim to be XXXX. \nHowever, My Corporation ( at the time ) went overboard with weekly meetings of the directors and officers so we could enjoy the protection of the corporate veil. I was XXXX/XXXX  of XXXX XXXX, XXXX   XXXX  XXXX XXXX here in XXXX   Kentucky. The agreement was between my Corporation ( I had several at the time ) and XXXX, XXXX We had a meeting on it, approved the expenditure and recorded it in minutes. I was in no way a personal guarantee as were none of the other Officers or Directors ( we actually had 8 at the time ). I signed the agreement with XXXX, XXXX, as an employee and authorized representative of the company ( as the agreement states ). Not a personal guarantor as XXXX would like to claim. As much as he skirts the legal operation of a business ( as you will see with my continued narrative ) I am sure he fully understands the difference. This, of course, proving these frauds/crimes are being committed with malice and intent by XXXX and his partner XXXX XXXX. White collar they may be, they are still criminal. \nWhen XXXX, XXXX XXXX XXXX XXXX made its monthly payment, I let XXXX know we were in the process of cleaning out the building, would be taking advantage of the surrender clause of the agreement and would be surrendering the building within the week. I told him I would call him when it was ready to pick up. Mind you, our company had just paid our month in advance rent. \nI called XXXX within that week and he told me he would be over as soon as he could to pick it up. He waited four weeks to pick it up and in the interim, charged mt company another months rent. Shortly after he charged my company another months rent, he picked up the building. When I confronted him with the fraudulent charges and my companys refusal to pay it, he expressed how he would come at me and my company hard. He threatened lawyers, lawsuits and expressed he would get that fraudulent charge no matter what it takes. \nXXXX has proven to be such the criminal as he even went as far as to contact other business associates of mine to shame me into paying this fraudulent charge ( {$340.00} ) including ( but not limited to ) contacting XXXX XXXX, the property owner of my XXXX. XXXX informed me and was flabbergasted, questioning what XXXX expected him to do about it. XXXX went on to turn this fraudulent debt over to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, TN, XXXX. For the purpose of accessory to the various crimes and liabilities committed and created by XXXX and XXXX, this complaint also includes XXXX XXXX XXXX, owner of XXXX XXXX XXXX XXXX XXXX and any employees and/or ensigns that have assisted XXXX and XXXX in their fraudulent and deceptive business practices. I am most certain I am not the only one either company has done this to. \nThis complaint is also against XXXX, Experian and XXXX ( credit reporting companies ) as ; after numerous attempts to report and have these fraudulent collections removed from my report, they have not followed the letter of the law in confirming such fraudulent charges and have caused severe damage to my credit profile and buying power. This charge needs to be immediately removed from my report and all three credit reporting agencies are now liable to me as according to the Fair Credit Reporting Act ( treble damages due to their fiduciary duties ). This constitutes an emergency as these fraudulent charges and collections being reported on my credit is causing immediate and irreparable harm. \nPlease understand, this fraudulent charge was also reported to my personal credit report, illegally as I was afforded the protections from liability ( including debt ) by owning and being employed by a legal Kentucky corporation. XXXX nor XXXX have any authority to circumvent these or any of the other laws they are breaking or have broken. This fraudulent reporting has been complained of to XXXX, XXXX, the collection company and the credit reporting agencies. It is now being complained of to the Commonwealths Attorney, the Kentucky Attorney General, the Tennessee States Attorney, the Tennessee Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau before the liability claim is filed in all courts of competent jurisdiction. \nI ceased any ownership or employment of XXXX XXXX XXXX XXXX XXXX XXXX XXXX company on XX/XX/XXXX. The other officers and directors assumed full ownership and went on with their business and liability on their own. This fraudulent charge has absolutely nothing to do with me. The owners of the XXXX, XXXX XXXX XXXX XXXX  are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX ( CFO ) This complaint is being made under commonwealth, state, and federal jurisdiction as laid out in KRS 367.170 Unlawful acts including unfair, false Misleading or deceptive practices in the conduct of any trade or commerce are hereby declared unlawful. As well as Title 47, Chapter 18 of the Tennessee Code, Section 47-18-104 of the Act prohibits unfair or deceptive practices. As well as Section 5 of the Federal Trade Commission Act that also deems unfair or deceptive acts or practices in or affecting commerce, are hereby declared unlawful. Deceptively creating charges not owed, fraudulently reporting such charges, hiring a company to enforce such charges, contacting known business associates to embarrass and shame me into paying, holding me personally liable for a companys debt are all unfair and deceptive acts or practices violating the above mentioned Federal and State Laws as well as the following Federal laws and their Commonwealth of Kentucky and Tennessee State Counter Parts : FAIR DEBTCOLLECTIONS PRACTICES ACT As amended by public law 111 203, title x, 124 stat. 2092 ( 2010 ) 805 ( b ) as this is not my debt and I gave no such permission to communicate this fraudulent debt with any party, business or entity including but not limited to a consumer reporting Reporting false debts is a crime.\n\n806 Turning a fraudulent business debt over to collections and reporting agency as my personal debt, in order to harass, oppress and abuse me to collect this debt.\n\n806 ( 1 ) Calling my landlord to embarrass me about a nonexistent business debt, making an unsolicited reference to my financial reputation concerning a business debt for a company I worked for and was only a part of.\n\n807 ( 2 ) ( A ) the character, amount and legal status have been fraudulently reported by XXXX and XXXX in an attempt to force personal liability on the concocted charges, THEFT. \n807 ( 5 ) threat to report as debt ( was not a debt ), a personal debt ( was corporation debt ) to reporting agencies and collections.\n\n807 ( 6 ) ( B ) in the false representation that I am personally responsible.\n\n807 ( 7 ) disgracing me to my landlord as not paying a personal debt when this is no debt and a non-debt that should be charged to a business, I was a part of a long with 8 others.\n\n807 ( 8 ) communicated with landlord, credit reporting agencies, collections company, community credit information they knew was false as they delayed pick-up to create fraudulent charges and knew this was an agreement with a corporation, I was not a personal guarantee any more than any of the other officers in the corporation that also owned stock. They are not to be held responsible for any debt of the companies they may hold stock/stake in.\n\n807 ( 10 ) in that they falsely reported this to collection agency and credit reporting agency causing me damage in an attempt to shame me into paying a fraudulent debt. THEFT.\n\n808 May not use unfair or unconscionable means to collect any debt including : 808 ( 1 ) The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law., No where in the law or agreement is it stated I am a personal guarantor for a corporate debt as a representative of that corporation. In fact there is law against it ; no where in the agreement or the law does it allow XXXX and XXXX to charge the company more rent after the building was surrendered just because they decided not to reclaim their property after the surrender.\n\n808 ( 6 ) ( b ) They charged another unauthorized, fraudulent month simply because they had absolutely no intention to take possession of their property despite proper notice and surrender.\n\n809 ( a ) ( 1 ) no written communication 809 ( a ) ( 2 ) no written communication 809 ( a ) ( 3 ) no written communication 809 ( a ) ( 4 ) no written communication 809 ( a ) ( 5 ) no written communication, they knew they were wrong, wanted no records.\n\n809 ( b ) as there was no written notice the only response was when they illegally called my landlord and when I repeated/ contested this as not my debt, however no response does not equal admission or acceptance of fraudulent debt.\n\n813 creates XXXX, XXXX, XXXX and the credit reporting agencies liability to me as actual damages ( everything I was denied credit for ) ; {$1000.00} per incident ; and attorneys fees/court costs as well as punitive damages.\n\n813 ( b ) ( 1 ) this has gone on for years, with many more people beside me, this is their standard unfair/deceptive/fraudulent business practice that they perpetuate on our community and the courts are to consider the frequency and persistence of noncompliance, the nature of such non compliance and the extent to which such noncompliance was intentional Finally subsection 814 of the FDCPA gives the Federal Trade Commission the authority to enforce compliance with the FDCPA except on the government and that any violation of this chapter shall ( not may ) be deemed an unfair or deceptive practice in violation of that act. All of the functions and powers of the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by ANY person with this subchapter, irrespective of whether that person in engaged in commerce or meets ant other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter, in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule.\n\nFAIR CREDIT REPORTING ACT 15 U.S.C. subsesction 1681 Revised September 2018 603 ( k ) ( 1 ) describes the actions included in adverse actions, these would be the adverse actions caused by XXXX, XXXX  and XXXX  fraudulent and deceptive practices.\n\n603 ( k ) ( 1A ) explains it the same meaning as 701 ( d ) ( 6 ) of the equal Credit Opportunity Act of which they are clearly in violation of.\n\n603 ( k ) ( 1 ) ( B ) ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee. I have been denied six figure employment due to erroneous collections on my credit report 603 ( k ) ( 1 ) ( B ) ( iii ) A denial or cancelation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of any license or benefit described in section 604 ( a ) ( 3 ) ( D ) : I have been denied my ability to obtain my real estate license, Private investigators license, electricians license, pilots license and debt management license.\n\n603 ( k ) ( 1 ( ) ( B ) ( iv ) ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under 604 ( a ) ( 3 ) ( F ) ( ii ) I have been denied several applications of credit due to this fraudulent reporting of this fraudulent charge and am currently waiting its removal to follow through with personal credit for a farm and several other obligations and endeavors.\n\n603 ( k ) ( 1 ) ( B ) ( iv ) ( II ) adverse to the interest of the consumer, I have had to avoid lucrative business and personal endeavors due to this false/fraudulent collection.\n\n611 PROCEDURE IN CASE OF DISPUTED ACCURACY there is absolutely nothing about this debt that is not inaccurate and that I have not contested. From the validity to reporting it as my personal debt. These commonly used practices by XXXX, XXXX and XXXX are deceptive and inaccurate. XXXX, XXXX, XXXX and all three credit reporting agencies are in violation of this subsection in that : 611 ( a ) ( 1 ) ( A )  requires an actual reinvestigation, not just everyone swearing by their lies as has been done in this instance by XXXX, XXXX, XXXX and the three credit reporting agencies, the credit reporting agencies conduct no reasonable reinvestigation. They ask XXXX if the information is correct, he says yes with absolutely no supporting documentation ( as Im sure XXXX and XXXX hasnt given him any as it does not exist ) so the third party fraud is confirmed and left illegally on my credit report. This complaint could not be determined frivolous by credit reporting agencies as I have supplied documentation, evidence and facts for years now as well as correctly filled out their contact forms as per their limitations in number or words/characters.\n\n611 ( a ) ( 2 ) ( A ) I have never been contacted within 5 days of requesting reinvestigation from anyone, let alone the three major credit reporting agencies.\n\n611 ( a ) ( 5 ) ( A ) ( i ) this has not been promptly deleted by all three credit reporting agencies as mandated as they failed in their reinvestigation duties of proof and evidence.\n\n611 ( a ) ( 5 ) ( B ) ( iii ) ( I ) I have never received notice from ANY of the three credit reporting agencies of Reinstatement at all, let alone with 5 days as mandated. \n611 ( a ) ( 8 ) I am requesting expedited recourse as the irreparable harm continues with this on my report. This needs to be removed with 3 days.\n\n621 in this complaint I have proven several violations of these acts. Federal trade commission has jurisdiction in that a violation of any of the requirement or prohibition imposed under this title shall ( not may ) constitute an unfair or deceptive act or practice in commerce, in violation of section 5 ( a ) of the Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ) and shall ( not may ) be subject to enforcement by the Federal Trade Commission under section 5 ( b ) of that Act with respect to any consumer reporting agency OR person that is subject to enforcement by the Federal Trade Commission 621 ( a ) ( 2 ) ( A ) in the event of knowing violation ( reporting agencies and collectors of debt are required to know. Ignorance of the law is no excuse ) which constitutes a pattern OR practice of violations of this title, The Federal Trade Commission may commence a civil action to recover a civil  penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil liability of not mor that {$3700.00} per violation. I am requesting a full investigation and that this suite be brought against the several peoples for the several incidents so I can recover them maximum damages, as well as attorneys fees.\n\n621 ( c ) ( 1 ) I also invoke state jurisdiction for civil and criminal liability of XXXX, XXXX, XXXX and all parties involved with their businesses or the several consumer reporting agencies already named.\n\n623 ( a ) ( 1 ) ( A ) makes it illegal to provide inaccurate information to credit reporting agencies. XXXX, XXXX and XXXX knew full well these charges were fraudulent, illegal and I had absolutely no personal liability in them as this has been complained of numerous times for years now. \n623 ( a ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors is also illegal. I have proven this fraud and complained of it multiple times to all parties involved.\n\n623 ( 2 ) ( B ) It is the duty of the reporting agency to correct as well as the duty of the collection agency to inform. None of this has ever been corrected despite repeated complaints and evidence.\n\n623 ( 3 ) If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. This fraudulent charge has NEVER not been disputed since it was fraudulently created.\n\n623 ( 7 ) I have not received any notices in writing concerning this debt, my complaints, the outcome of investigations or even that there were investigations.\n\n623 ( 9 ) ( b ) Duties of Furnishers of Information upon Notice of Dispute, summarily NONE of these have aver been followed in any of the numerous disputes and complaints I have filed, causing several hundred incidents of violations to this title by the furnishers of information, XXXX, XXXX and XXXX I am also requesting the above named be investigated for state and federal wire fraud as these communications and this fraud has repeatedly occurred across state lines in my case as well as the several other cases ( specifically targeting disadvantaged peoples ) as your thorough investigation will uncover. \n\n\nXXXX XXXX XXXX : XX/XX/XXXX","date_sent_to_company":"2020-07-27T21:16:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"420XX","tags":null,"has_narrative":true,"complaint_id":"3766028","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-07-27T21:15:56.000Z","state":"KY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Deceptively creating charges not owed, fraudulently reporting such charges, hiring a company to enforce such charges, contacting known business associates to embarrass and shame me into paying, holding me personally liable for a companys debt are all unfair and deceptive acts or practices violating the above mentioned <em>Federal</em> and <em>State</em> <em>Laws</em> as well as the following <em>Federal</em> <em>laws</em> and their Commonwealth of Kentucky and Tennessee <em>State</em> Counter Parts : FAIR DEBTCOLLECTIONS PRACTICES ACT As amended by"]},"sort":[7.8291507,"3766028"]},{"_index":"complaint-public-v1","_id":"4508572","_score":7.388376,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Myself, my family and now our lawyer is involved in this complaint. Note my family has been a Citibank customer since XXXX. Have we had fraud in the past, yes, but not even close to this level. Everyone, including my lawyer and other card holder that I have submitted this documentation too has cleared or have asked for it all to be cleared, other than Citibank who actually cleared it twice and then re-negged because of additional fraudulent ACH payments. Yes, my family and myself have been direct victims of, first and foremost, Identity theft which also effected my XXXX XXXX  student account which is/was attached to our checking account at XXXX. These Fraudsters, as has been documented came after myself in full force \" hard '' as one police officer put it. He stated that he has seen it this bad before and with one of his own police officers ( colleagues ) as well due to the type of job he performs ( criminal and forensic investigation ) and once the Fraudsters figured out his occupation he became under serious attack. He too struggled with Citibank in particular because of what he called a dysfunction over all process. This is really sad! The mere fact that investigators in civil service of our communities and now an investigator, myself, from the banking industry who have been trained to investigate bad guys, compile deep levels of evidence, and even find out where some of these \" rings '' are operating out of, and then fall to an \" unprotected '' role by our own brethren is not only discouraging but is also sad. I don't know about the aforementioned police investigator but I know that myself and others have made a great impact in breaking up fraud and anti-money laundering schemes and rings. What's our reward? A pat on the back and now apparently being accused of crimes myself, my family nor friends did not commit. Heck of an ironic turn of events but Citibank could not be more wrong. The police I have contacted alone agree 100 % and are willing to testify in my defense on all counts. One the of officers even commented \" Why should we be working to do any good for anyone if this is how we are to be treated at the end of the day! \n\nEach day, I research along with my attorney as he and I have time only to turn over new issues. I can only report that which I find or that which we believe has happened and you know what? That story can also change with new evidence coming to light. If investigators at Citibank don't understand that then they either have not been in the investigation business very long or they are \" trapped '' in a world that \" everyone is guilty until proven innocent ''. That's completely backward in our society and I suggest Citibank, in particular look at the regulation that governs credit cards, paying attention to the fact that you offer 100 % Identity Theft and fraud protection to you consumers, and in this case that's what my family and I are ( consumer victims ) that brought these issues to your attention, not the other way around. Citibank, in fact allowed this fraud and Identity theft to continue even after I reported it, began to investigate, and began supplying documentation to protect myself, my family and Citibank. To date, Citibank is the ONLY creditor that has not discussed ( in full ) the complaints I have sent in through the CFPB and the disparate information they have received from their teams. Have I had to recant findings that I believed to be one way or another through additional research? Of Course! That's a proper investigative process because if facts change, they are no longer good facts, the new facts, with supporting evidence are. If Citibank does not understand this they don't appear to understand the twists and turns an investigation can take, and as for myself, I document everything XXXX good, bad or indifferent )! That's what compliance people and investigators do! We don't take sides and we certainly do not \" flip-flop '' our decisions based upon proven evidence. If the evidence is adjusted we add and and modify our approach but it's usually against the fraudster because at the end of the day, they caused the MESS! \n\nNow, I am going to pass along a couple other pieces of evidence that Citibank should certainly think about or act upon. First, it has been noted that the \" mailbox bank '' in my community was broken into at the beginning of XXXX. If you google map my area of our subdivision you will see we set op in a large square or rectangle of sorts. That square or rectangle surrounds yet another square/rectangle. This is not at all a through street and therefore the people who are here 1. Live here 2. Are visiting, 3. are looking for a new place to live since we are the most attractive place to live, arguably, in all of XXXX ( our community ) which began in the XXXX  's and was completed in the early XXXX 's. It considered one of the most sought after areas in all of XXXX XXXX XXXX and homes, even when times are slow do not last on the market for more than 2 week. At this point they are selling with multiple offers as soon as they are posted on XXXX with multiple offers. Now, many of my neighbors, including the 6 that are on my block have all been hit with the fraud bug, Identity Theft or both. We believe this uptick is due to the break in of our mailboxes and yet the XXXX has yet to fix it. In addition, we have been told by the police that that this has been going on and they know of at least XXXX cases in our high popular a beautiful community? What were these crooks after? Why of course the Stimulus Checks that were sent out and while getting some of them they also received a ton of PII on all people in our area. That's disgusting and yet Citibank keeps send mail through the XXXX just to have it stolen over and over again. We also have to go to the PO and pick up the bulk of our mail, on a schedule ( 2 days a week ) by address which causes us all to wait in line for 1-2 hours twice a week. Is this Citibank 's fault? No! But you are contributing to the increased problem. \n\nFinally, On Tuesday of this week myself, my wife and other neighbors have been receiving calls from a FAKE ( criminal ) person representing themselves as representing ALL card companies. This certainly set off a \" Red Flag '' for me and the aforementioned neighbors I discussed. I was so fortunate to intercept two of these calls. On stated he represented XXXX XXXX  XXXX  and wouldn't you know it, one stated he was representing Citibank and he was \" rebuilding my entire credit file ''. The crazy thing is that these calls both came from the same number XXXX XXXX and both times the Fraudster represented himself as XXXX XXXX. Hmmmm! I am no dummy and neither are my neighbors and we came together again stating this had to be fraud. I called all my creditors, as did they, other than Citibank because all of our calls are going absolutely nowhere, and the people who need to know either don't return their calls, though they said they would within 24-48 hours or the messages never actually get to them because of Citibank 's highly disparate and dysfunctional system where notes and documentation are not forwarded on to the \" next link of the chain ''. How would that \" next link '' know to ask for this information unless they scurried around to find it? Why wouldn't that WEAK chain link instead place all of the documentation and notes in a central repository only able to be viewed by those that have the authority and therefore not have to \" scurry '', receiving partial or no documentation at all after all of their hard work? This has now happened dozens of times with me and many times with the friends I am in contact with that are in the same boat, which because it's Citibank, is taking on a lot of water it appears! So anyway, this \" agent '' ( fraudster '' ) state that he was in the process of rebuilding my profile with Citibank and \" all '' of my card accounts ( very suspicious ). Second he gave his FULL NAME ( XXXX XXXX ) and seemed very aware of what was going on with me and several others in my area. The full name issue also was very suspicious because up to XXXX XXXX in Citibank 's XXXX, I had been told that last names were not permitted and that all employees had no way to call out, nor did they have an outside email address. This led me and others right back to the Identity theft and we wonder if Citibank is sharing our XXXX  ( Data Privacy ) with the outside which would be an extreme regulatory and legal violation.\n\nThis is what is going to happen on my side in the coming week or so : 1. My Lawyer\nwill be sending Citibank a letter via overnight that highlights the major issues, points to the regulations and laws and will attest the fact that I have had nothing but a great relationship with Citibank ( starting with Home Depot ) since XXXX!\n\nThe way to remediate this will be as follows\n\n: 1. Citibank is to contact me with a date and time that can be placed on my calendar and my lawyer will be allowed to be present to listen in as I will authorize this. We will then open up a two way discussion and Citibank will discontinue treating me as a criminal. 2. Citibank will be asked to remove all Fraudulent Charges, Fraudulent payments and bounced ACH payments that have not come from any other banks/credit union that I don't have an account with. You may call and verify those facts\nwith said companies by using my SSN, DOB, Address, etc. In all cases you will find I have not had an account with any, other than XXXX since the XXXX XXXX ( XXXX  accounts ) which is likely purged. These payments and \" charge backs '' are to be ex-sponged from my credit record on the accounts in question ( XXXX and XXXX  XXXX XXXX accounts ) as they have/had nothing to do with me 3. There was a {$7000.00} charge made to my Citibank XXXX  account from a \" XXXX XXXX XXXX '' merchant and this not only needs to stay removed it has nothing to do with me as well. From my understand, this is a XXXX shop and that's an awful lot of XXXX XXXX to purchase as an individual. Note, I don't XXXX, I don't distribute, nor do I sell any type of XXXX  related products. I am deeply concerned that I had to find this and Citibank did not question this \" rounded '' dollar charge. Absolute fraud and Citi did a very bad job here! \n\n4. All of my credit card need to be reactivated as soon as all fraud has been removed and my credit limits must be re-established on the following 1. XXXX XXXX XXXX 2. XXXXy 4. Brooks Brothers 5. Home Depot 6. Best Buy 5. All three bureaus are to be contacted immediately and Citibank is to reverse the \" Account Closed by Creditor '' statements an place my accounts in excellent standing as they were prior to this mess that began when my laptop was stolen from my XXXXXXXX XXXX Room in XXXX Florida. \n\nYou lack of verbal an discussion responses have all been noted and it it now required that this come to a head with restoration of my credit rating and accounts. \n\nWhat Citibank has done is non-transparent, reprehensible, and immoral It's time to fix this for myself and my family immediately or additional actions will be taken. All other creditors have contacted me and are cleaning this up since, it's convoluted, complex and quite scary for my family to be going through. Again, if I am spoken to as a criminal, I will ensure that is recorded, as it has in the past, and presented to higher state or federal authorities for review that we will subpena Citibank to be present for. In this case, Citibank is in the wrong and unfortunately we, the consumers, are made to suffer due to your inappropriate reactionary ways. You are to be there to protect you consumer, and bottom line, you have not been. Citibank should be embarrassed and I would even say this is press worthy so that all can see what the bank has/has n't done and what myself, my family and my attorney have gone through to get the appropriate communication this has deserved! \n\nThank you, XXXX XXXX XXXX","date_sent_to_company":"2021-07-01T19:16:31.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"77095","tags":null,"has_narrative":true,"complaint_id":"4508572","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2021-07-01T17:27:16.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["My <em>Lawyer</em>\nwill be sending Citibank a letter via overnight that highlights the major issues, points to the regulations and <em>laws</em> and will attest the fact that I have had nothing but a great relationship with Citibank ( starting with Home Depot ) since XXXX!\n\nThe way to remediate this will be as follows\n\n: 1. Citibank is to contact me with a date and time that can be placed on my calendar and my <em>lawyer</em> will be allowed to be present to listen in as I will authorize this."]},"sort":[7.388376,"4508572"]},{"_index":"complaint-public-v1","_id":"3720975","_score":7.073886,"_source":{"product":"Debt collection","complaint_what_happened":"Dear CFPB DIFS, Michigan AG, Supreme Court Senator XXXX, and other authorities, I respectfully request you to investigate CoreLogic ( soon would be Cannae/Black Knight ) and First American Title ( formerly CoreLogic ) who are the main parts of the biggest RICO enterprise ever existed in the World history, which is operated by the same people who collapsed American housing and stock market in XXXX, but were never held liable for any crimes. They expectably collapsed Worlds economy again in XXXX, which resulted in secretive bailouts to Big Banks by Federal Reserve, started XX/XX/XXXX, or before Coronavirus. \nNow Federal Reserve is buying approximately {$620.00} XXXX in XXXX treasury bonds, including XXXX XXXX XXXX bonds ; corporate bonds, and municipal bonds every week. That's nearly {$2.00} XXXX XXXX per month. \nSurprisingly, Federal Reserve, who should now be called the XXXX XXXX # 1, never mentioned purchases of any loans from any Trusts where these loans are pooled as securities and entrusted to Trustees like XXXX XXXX XXXX XXXX who suppose to hold these MBS for the benefit of investors like XXXX XXXX or XXXX who also claims to be the owner of the debt, creditor, issuer, and anything else. \nHow can Federal Reserve buy MBS directly from XXXX XXXX without participation all other parties who are responsible for these MBS bonds which are serviced by companies like XXXX XXXX XXXX XXXX XXXX, who also claims to be the owner of the debt. \nBut Trusts or Trustees or Servicers are never mentioned in Federal Reserve purchase of XXXX XXXX bonds. As well as any owners of any loans ; or loans themselves. \nNeither XXXX XXXX or Federal Reserve never informed homeowners like myself about drastic changes of the ownership of our debt. I am wondering why? \nIt can only happen if nobody owns this debt and no Trust exists to participate in any sales of securities backed by loans. Federal Reserve buy mortgage assets ( which nobody called loans ) which are passed to Federal Reserve by XXXX XXXX and Stockbrokers as a sale since no one company can claim this debt on their accounting books. \nIn fact, Federal Reserve simply returns Investors their money paid for Stockbrokers thin-air derivatives while gives Big Banks and XXXX XXXX a flesh start to initiate a new foreclosure mill, as they do during last 20 years. \nMy creditor/owner/investor PennyMac was not even mentioned in Federal Reserve purchase of XXXX XXXX XXXX even though it would be logical for to buy loans directly from the owners, like XXXX claims. \nWhy XXXX is not participating? Because XXXX is a bundle of a middle level criminals who do absolutely nothing with originating, servicing, foreclosing or buying any loans because they do not have money to buy. \nAll of it origination, servicing, pre-designed defaults, foreclosures is done by one company XXXX XXXX ( formerly Lenders Processing Services/DocX ) who is originator, Servicer, and forecloser of 62 % of ALL American mortgages though their sophisticated system LoanSphere where other parties get a limited access via login and password. \nMoney at the closings are passed from Stockbrokers pool which is not related to any mortgages, so called table funding. They are collected from investors in exchange of unsecured certificates based solely on Stockbrokers promises to repay. This information is public and can be found in Prospectuses filed with SEC, where Stockbrokers specifically identify that they trade unregulated securities sold to investors who are unsecured creditors to Big Banks but not secured creditors to homeowners. Moreover, Prospectuses specifically emphasize that Investors to not expect any other collateral than Stockbrokers promises to pay to avoid liabilities for violations of every lending law in the US. \nXXXX XXXX XXXX XXXX XXXX and XXXX were given some access to XXXX XXXX system via password, as shown in the picture below, so they are able to see and even print limited information such as billing records prepared and maintained by XXXX XXXX without ever touching any money ( except fees ) or borrowers data while pose as legitimate parties to defraud borrowers, investors and Courts. \nWhen XXXX tried to steal this system from XXXX XXXX to create their own, XXXX XXXX sued XXXX and fired them effective XX/XX/XXXX. \nSo, XXXX pretenses to be a Servicer of non-existing Trust are baseless lies since XXXX never serviced any Trusts and now even do not have contract with XXXX XXXX to use their system where my data is stored from XX/XX/XXXX. \nBased on this unprecedented crime 30 million Americans were illegally foreclosed by XXXX XXXX and Stockbrokers who got free homes plus proceeds from sales as their additional revenue. \nWith 40 million currently unemployed, Big Banks and XXXX XXXX can not wait until the Government will give them a signal to start foreclosure mill which will surely collapse the entire County. \nHere is how Mr. XXXX and Stockbrokers XXXX XXXX works : My independent lender and XXXX XXXX XXXX XXXX , XXXX never originated any loans or lent any money, except collecting fees paid to them by Stockbrokers via sham intermediaries. XXXX merely forwarded to them borrowers data while pretended to be a Lender who sells loans to someone else. This is a myth to cover for the real nature of this transaction securitization scheme based on borrowers identity. \nThe actual originator was MrXXXX XXXX XXXX XXXX XXXX, owner of LPS/DocX/Black Knight who created a huge criminal monopoly under the nose of all authorities, with total impunity. \nXXXX passed my data to XXXX, a middle level intermediary who has an access to XXXX XXXX XXXX. I doubt is XXXX was given an access, or even knew XXXX XXXX is involved, they were too small for it. \nXXXX, in turn, passed my data to XXXX XXXX who originated this transaction via his XXXX XXXX, enterprise loan origination system ( XXXX ) that provides the functionality for every facet of the origination process from point-of-sale to post-closing. Offered as both an ASP and self-hosted solution, XXXX supports consumer, retail and wholesale point-of sale channels ; loan fulfillment and closing ; pre- and post-closing audit and compliance functions ; product and pricing ; electronic document management ; and industry-standard interfaces. \nMoney for my transaction were processed by XXXX XXXX from a Stockbrokers table funding pool, which XXXX XXXX passed to XXXX who mislabeled it as a loan. In fact it was a payment for my financial services to Stockbrokers and participation in securitization scheme as an initial Issuer of the Note ; and for assuming all risks associated with junk fees, pre-designed default and foreclosure, psychological tortures by fake servicers ; endless financial manipulations and threats, and confiscation of my homestead to repay non-existing debt ( aka profit to Stockbrokers who made at least XXXX times more from trading my securitized identity as bogus derivatives, which Federal Reserve now re-purchase from defrauded Investors. \nHere are NO accidental defaults or foreclosures in XXXX which are due to borrowers fault. It is all carefully designed and planned by professionals like ill-driven XXXX XXXX. \nHere are some simple basic tricks used by XXXX XXXX to create actual defaults after loans are internally defaulted to be sold as defaulted debt derivatives. First, excessive fees and charges, like outrageous XXXX Insurances for homes even in a desert or on hills XXXX XXXX XXXX determination is done in-house, by XXXX, see below ). Second, by churning refinancing with huge cash outs under adjustable rates by predatory XXXX XXXX actors for hire who receive borrowers information from CoreLogic ). Third, bogus deficiencies by manipulations with escrow accounts maintained by XXXX XXXX. When I received {$1900.00} lump sum deficiency along with {$400.00} per month XXXX or about 50 % XXXX payment increase, I immediately demanded explanations from XXXX my lump sum deficiency suddenly disappeared and my payment increased by about {$200.00} instead of {$400.00}. But most people do not challenge deficiencies since they think it was done in good faith, maybe due to some accounting mistakes, and receive bills as much as {$15000.00} lump sum plus extra thousands of payment increases, which is a guaranteed default and foreclosure. \nWhen I contacted DIFS and asked them to investigate, XXXX XXXX responded with absurd runaround where she repeated the same lies told her by XXXX and XXXX. \nXXXX XXXX said that according to XXXX, my loan was originated with XXXX Mortgage XXXX XXXX. I dont know based on which evidence Mrs. XXXX concluded that my loan was originated with XXXX if all documents show that it was originated with XXXX XXXX and funded by a Stockbroker via XXXX while XXXX tried to conceal these parties from me by forging RESPA Settlement Disclosure. But she ignored my evidence and sided with criminals. \nMrs. XXXX further stated that XXXX performed escrow analysis on my escrow account, which is not true. All is done though XXXX XXXX XXXX. \nMrs. XXXX further stated that according to XXXX my loan was in default which is not true. Mrs. XXXX must be familiar with State and Federal debt collection laws as well as contract laws, particularly UCC which state that only lawful creditors and owners of the debt can declare loans in default. I lawfully demanded a Validation of this debt from XXXX, which they were never able to provide since XXXX never was a creditor or a legit representative of the creditor to collect from me any money or declare me in default, which I consider as false and defamatory statements. But once again XXXX sided with criminals to cover for their fraud. \nXXXX further advised Mrs. XXXX that servicing of my loan was transferred to XXXX. But XXXX never said WHO facilitated and/or approved Servicing transfer of my loan to XXXX, who started calling themselves buyersowners, creditors, investors, issuers, ect without any evidence in support and without even a Seller. Did XXXX transferred servicing rights to XXXX? Or a XXXX or XXXX transferred servicing rights to XXXX? Or XXXX XXXX ( who has no idea about Trusts serviced by XXXX or XXXX  ). Or MERS, a fake mortgagee? \nWhen I asked Mrs. XXXX to contact XXXX, PennyMac, XXXX XXXX and MERS to identify the Seller of my loan to PennyMac ; who approved changes of Servicer ; and who appointed XXXX and XXXX as Servicers she refused to comply with my request. \nBecause nobody appointed XXXX or XXXX as Servicers to non-existing Trusts. Mr. XXXX merely gave XXXX and XXXX separate passwords and logins to his LoanSphere, so they can see and even print some billing records as evidence of ownership which they regularly presented in the Court to steal homes from defrauded borrowers under glimpse of enforcing debt repayment ( aka revenue for Wall Street Gang ) by non-related parties. \nMrs. XXXX further stated that requirement for flood insurance was determined by the flood certificate from FEMA which acknowledged the property in the flood zone as of XX/XX/XXXX. \nThis is another lie. FEMA has nothing to do with flood determination or flood certificate. It was all done by CoreLogic who is integrated with XXXX XXXX by at least 5 platforms. Four of which provide Flood Determination and Identity theft services. \nHere is how Corelogic Flood Services, LLC formerly FIRXXXX XXXX XXXX XXXX XXXX XXXX, MI companies, ID Number : XXXX, describes its business model : As the largest provider of Flood Zone Determinations to the mortgage industry, we pride ourselves on providing the same excellent service and reliable industry-proven flood products to all of our clients regardless of their size or production volume. Basic Flood Determinations provide you with a Standard Flood Hazard Determination Form ( SFHDF ) Our technology streamlines the process and returns completed flood zone determination within minutes over 93 percent of the time. We return all Flood Zone Determinations on the FEMA Standard Flood Hazard Determination Form, which in my situation was submitted to CoreLogic by XXXX XXXX, both of whom try to conceal their participation in my purchase and their roles. \nThis is why XXXX claimed that they never received my XXXX and demand to remove XXXX XXXX because it was received by XXXX XXXX who simply ignored it because XXXX XXXX goal are defaults and foreclosures they handle to Big Banks/Stockbrokers. XXXX and XXXX are merely vehicles to act as real parties, push borrowers in defaults under XXXX Knight guidance and support ; and appear in the Court to launder broken Titles, mostly insured by XXXX participant First American Title. \nThus, \" Lenders '' do not originate, service or foreclose anything. XXXX XXXX does. Who can create any Trusts if everything is in hands of XXXX person - Mr. XXXX XXXX and his XXXX enterprise? \n\nBig Banks to not pass any money to XXXX. Big Banks do not hire lawyers to foreclose. Big Banks do not hire realtors to sell properties. It is all done by XXXX XXXX who originates loans, pass money from Stockbrokers to intermediaries ; service all loans in his system and give self-proclaimed Servicers a password to login with a limited access in LoanSphere platforms ; create hardships to create defaults ; forge documents making back-dated assignments to illegally foreclose ; and start all over again. \n\nAnd Mr. XXXX and XXXX XXXX Gang will continue its crimes unless the Government will stop them. \n\nI respectfully demand DIFS, MI AG, and all other authorities to investigate and prosecute Mr. XXXX XXXX XXXX s and his Stockbrokers crimes ; order them to compensate homeowners for all damages, just like most recently Court ordered to cancel student loans for defrauded students ; and PAY homeowners their fair share for forceful participation in Big Banks securitization scheme, in the amount at least 20 % royalties from all trades. \n\nI want to mention that involuntary servitude ( aka slavery ) in America is abolished in 1862, when the 13th Amendment was formally adopted into the U.S. Constitution, ensuring that neither slavery nor involuntary servitude shall exist within the United States, or any place subject to their jurisdiction. \n\nMr. XXXX XXXX and Big Banks created the most cynical slavery when people work hard to save money for HOME purchase, bring these money to criminals expecting to be equal parties of an honest contract and lured into a fraudulent scheme where their identities and homes are sold in all possible forms mostly as defaults ; while unsuspecting borrower spend his/her entire life, sometimes 30 years to return the only one payment - masqueraded as a loan for involuntary servitude in Big Banks Ponzi Scheme plus bailout criminals every 10 years, or more. All while Mr. XXXX and Stockbrokers enjoy 12-50 times more money from trades of their servantss stolen identities plus revenue from stolen homes, wealth transfer and free labor for years. \n\nSince XXXX XXXX is no longer a holder of XXXX bonds which were not backed by any mortgages ; and XXXX was terminated as a sham conduit from XXXX XXXX system, I request First XXXX XXXX and CoreLogic to identify my current Creditor and how this creditor received rights to my debt ( under UCC Art 9 203 ) ; pay me compensation under Title Insurance policy, {$130000.00} for fatally broken Title, return me illegally collected money ; pay me 20 % from all trades as XXXX XXXX ; provide me a release of any liens since my mortgage is not a loan, and pay me treble damages for fraud, racket, identity theft, unjust enrichment, conspiracy to defraud, defamation of character, emotional distress and other damages. No less than {$50.00} XXXX or more. \n\nBest regards, XXXX XXXX","date_sent_to_company":"2020-06-29T12:09:17.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"490XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3720975","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2020-06-29T11:54:47.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["XXXX further <em>stated</em> that XXXX performed escrow analysis on my escrow account, which is not true. All is done though XXXX XXXX XXXX. \nMrs. XXXX further <em>stated</em> that according to XXXX my loan was in default which is not true. Mrs. XXXX must be familiar with <em>State</em> and <em>Federal</em> debt collection <em>laws</em> as well as contract <em>laws</em>, particularly UCC which <em>state</em> that only lawful creditors and owners of the debt can declare loans in default."]},"sort":[7.073886,"3720975"]},{"_index":"complaint-public-v1","_id":"2828450","_score":6.96356,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Well it all started when I purchased a XXXX XXXX XXXX XXXX rare car, on XX/XX/XXXX, the car was a XXXX, n I put of clean cash over 14'000 $ + to date, ( FORCED TO BUY CAR TO GET BACK FORTH TO COURT FROM IL TO XXXX COURT AFTER WRONGFULLY GETTING PULLED OVER STALKED FOLLOWED MULTIPLE LANES, THEN PULLED OFF HGWYAY, i80, dragnet, warrantleas sweep '' no \" Warrant '' stole me ( IDENTITY THEFT VICTIMS THINGS (! WINDOW BUSTED INJURES BEAT N ROBBED OF FUNDS IN EXCESS OF 20000 $ OF LEGAL CURRENCY XXXX XXXX XXXX XXXX XXXX, XXXX, SIGNATURE FORGERER, A SSAULTER CONSPIRER, XXXX, ALL ENTIRE SHERIFFA DEPT OF XXXX N XXXX POLICE, CROOKED JUDGE XXXX XXXX N XXXX XXXX SOME XXXX COACHING THEK ON SIDE WHILE THEY TORCHERED ME SURGICAL INJURIES ) SEE CASE # CROOK LAWYERS INVOLVED XXXX,, FIRST XXXX ENTERED MY REAR END DAMAGING THE BOLT PIN IN THE DIFFERENTIAL HOUSIMG AREA, IM THE SUMMER MY REAR END WENT OUT CAUSING SEVERE XXXX INJURIES WHEN IT LOCKED UP ON XXXX XXXX , XXXX XXXX, NEAR XXXX XXXX, I WAA TOWED THEN CALLED XXXX CAUSE THE SHOP THAT CAUSED IT VIOLATED XXXX SUPPRESSION STATUTE XXXX UNREGESTERED WHICH IS A RICO '' SYNDICATE PLUS THEIR UNDISCLOSED CONTRACT WITH PACE BUS THEY BE XXXX, UP THEY BUSES TOO FOR PROFIT '' XXXX SAID '' COME ON ITS THIS PRICE BUT VIOLAtED THE receipt codes, didnt put on it they'd, keep car over 49 days cause my warrants to jump, cause me financial harms, n crippled a XXXX by, stealing my parts, goods, immobilizing my vehicle, ,engine, then got mad after reporting to crooked as XXXX, they threatened XXXX a XXXX female on calls n towed car away to a third party, n denied to tell me where it was the tow thief was on XXXX XXXX XXXX etc, in a hidden gate refusing to view car til pay, adhesive contract in fact the young cool tow truck driver stated that '*XXXX told me that I could have it some XXXX, XXXX, '' NOONEEEEE likes XXXX massive complaints he should be in federal prison as Should the owner of XXXX for Rico '' unregestered fraud scams by vendors whom take kickbacks paying bribes to state investigators at ruthless, mobb ATTORNeY GENERAL ThE CITY CONSUMER DIVISION, i dhr, ,XXXX, governors office for allowing it, n many more, place XXXX # XXXX XXXX XXXX, isn't Even XXXX which degraded me by deceit if I known it was XXXX I wouldn't had been thinking XXXX XXXX who lied stating \" XXXX '' is the best n XXXX fix it n illegals work here are good similar to XXXX, XXXX promises supplied by their funnelers'rackeeteering bankers whom, havr allowed a NONREGISTERED SHOP TO DO BUSINESS IN THE NAME OF XXXX BUT ITS NOT THAT ITS NOT TAKE A CHANCE N RIDE SHOP ITS REALLY XXXX*!? NNOW AFTER GETTING DEFRAUDED LIKE THIS BY WHICH I LEARNED DROPPING OF CAR RECENTLY LAST FRIDAY I WAs DEVASTATED.BECAUSE THE GROTESQUE STATE OF XXXX, IS A RICO LAW BREAKER A RUTHLESS THUG LETTING BUSINESSES DO SCAMS N OTHER CRIMES vs US CITIZENS BY FOREIGNORS N XXXX!! XXXX @ HELP ANYWHERE AT ALL WHEM TJEY START COMING UP SHORT DONT ASK WHY ANYWHOOO # THE REAR END ENCOUNTER REPAIR GET ThE CAR running mission began here all XXXX XXXX XXXX, n XXXX 's fault to begin with, secondly the shop fixed the Car originally after all that sanatorium, by which XXXX XXXX XXXX SC excruciating hatful ATTORneY GENERALS OFFICE BIGOTS let them all escape XXXX! But XXXX   charges pending and XXXX XXXX n are XXXX XXXX a illegal many other hatful, XXXX XXXX be ditching my great charges of not only credit fraudsters but civil rights HuGe violations XXXX suffers, i never filed complaint vs shop XXXX though but the bank involved gotstoopay! severely Count 1 ) Truth in lending Acts Violations ( 2 ( claiming falsely C 's me a Identity theft victim that I closed an account that I really did not close witness XXXX XXXX, XXXX driver known hole life this guy, had to takee to drip ( 1 ) rear end off and ( 2 ) drop off second time for ( SHOCKS REPAIR AND POTHOLES OF XXXX DAMAGES ThaT OCCURED ALL OVER STINKY XXXX CITY WHICH IS A XXXX, TOTALLY, I WISH XXXX ON IT FEDERALLY! broke rear fender bumper n tjee, ball joints front right strutshock, which XXXX XXXX XXXX XXXX STOLE DURING ONE VISIT VS MY WISHES THE FRONT DRIVERS SHOCK STRUT, BUT DIDMT ASK FIRST THEY REPLACED ONE AND NOT THE.OTHER SO IM XXXX   NOW.ANYWAY, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, crooks, CAUSED MY RADIATOR TO CRACK DUE TO NEGLIGENCE ON A THERMOSTAT BREAKAGE THEY CAUSED, THEY THEN RIGGED THE XXXX, CAUSING LEAKS N ENGINE DAMAGE LEADING TO THE ALLEGED BY THE SHOP -CRACKED '' RADIATOR '' ) -manager my man 's, first he promised me '' after keeping car over 4wks \" I'm getting u a good rear end the one they sent no good junk, '' lie i almost lost my life over six times this winter swaying, ruthlesy on terrain cuz it's rear right bent not straight, even on dry land ( 2 ) this newest repair like Right now my car not here it's at XXXX XXXX XXXX XXXX shop for CITYS XXXX, on holes etc, all over unreal I was assured vsmy wishes '' get the car here radiator be here ull, hace car n two days, i dropped it they alleged we got ta go to a meeting and closed promptly at XXXX, its now Wednesday day of my Vitally important doctors appointment I have no cash No rides wayyyyoutttttTo, the suburbs and basically ( 4my XXXX injuries inflicted as I was beaten viscously into restraints them violently cuffed m beaten for two hours with a knight stick caused broken numerous bones by 1unknown XXXX of , n one XXXX XXXX XXXX police officer,  n XXXX, XXXX nurse dr , n XXXX XXXX, XXXX XXXX unknown XXXX XXXX, XXXX broke my XXXX XXXX all-night vs wishes in restraints I was, cee, '' '' C '', XXXX, '' XXXX XXXX XXXX, XXXX, so many more , XXXX XXXX XXXX, ) XXXX XXXX @ @ judge XXXX stated as a XXXXonspirer, with advocate n her XXXX ties n undisclosed investments ventures she attacked me etc order stating '' He's making it all up, no one did this XXXX XXXX 's delusional '' ) occurence took place XX/XX/XXXX I was XXXX XXXX refused To leave hospital I took pictures before assault emailed it to governor 's office FED 'S, useless , marahalls effective the FTC, XXXX, XXXX XXXX at XXXX , XXXX, all my crew inspector general, oighotline, zilch, Noobe aidee XXXX XXXX I wish XXXX on all my assaulters, n many more, attorneys as proof capturing the moment XXXX ) this dr visit was relayed to shop n Corp XXXX XXXX, AND A MUST APPEAR COURT DATE ON XX/XX/XXXX WHERE, IF I MISS IT BONDS RUTHLESSLY GON NA BE JACKED UP IM ALREADY OUT OF XXXX AND OVER 8000 $ N BOND LUIT! IF TJE RADIATOR WHICH I WAA TOLD JUST A DAY BEFORE AT XXXX XXXX XXXX XXXX XXXX ALSO UNREGESTERED RICO '' ILLINOIS ALLOWED THAT, RADIATOR HAD NO LEAKS, PLUS THE ANTIFREEZE BOTTLE WAS DAMAGED CAUSING LOSSAGE DUE TO No back flow function cuz it was low, well part never came, either or XXXX 's engaged in a serious part up charge fraud, scam junkyard fraud pitch vs consumers with XXXX skin and XXXX I see no XXXX there n basically I said '' let me try out that the traffic car off when the parts about to come in I disagree with leaving it early cuz of the Last Cry how long they kept the car but I was refused to be accommodated at this request my car has been over there since Friday and that's Friday Saturday Sunday Monday Tuesday Wednesday seven days to do a XXXX XXXX XXXX XXXX   radiator job? Banks tunneling n not telling \" hay customer ''! It's not XXXX, or XXXX which is huge truthiness violation and thee, fact on first witnessed occurence n second time same witness my ability to use funds bank stated I got, was Given Or approved of was declined again unreal!! so ... leads to wonder what EXAMPLES THE CFPB NEEDS TO MAKE VS THIS REPAIR SHOP? BANK I MEAN DURING DRIPPIMG OFF CAR SECOND TIME A FINE APPEARED TO BE XXXX LADY XXXX STATED I DONT KNOW HER '' THEY REFUSES ME TO TEST DRIVE VEH, LEAVING SHOP, JUST AS MY FIRST VISIT, THEY REFUSED TOO TELL HER WHY SHE HAD NEW DAMAGES SHE DIDMT HAVE BEFORE AFTER THEY CONNED HER INTO KEEPING HER CAR! Xs '' I see Pattern, GROSS NEGLIGENCE XXXX TENDERING TO XXXX ALREADY SICK, PLUS FRAUD BY BANK AND BY SHOP? SOMEONE FENTOFEELHARDSHIP, IT WON'T BE ME! THEIRS BEEN HATFUL DISCRIMINATORY TREATMENT BY ISSUERS OF CREDIT UNDER 1964 CIVIL RIGHTS ACTS VS XXXX theirs been discrimination to use my credit free n free from nondisclosure hidden terms, interest, or any other rates n terms n Identity regarding thee, shops ability to fairly deal handle repairs the bank financiers them the vendor whom we can't find on secretary of state charter search during these periods plus theirs been humiliation n mistreatment embarrassment vs XXXX XXXX, XXXX XXXX XXXX @ and they basically punish others who always help the y XXXX XXXX but when u need. A ride it's all over or any favor after reporting both bank n the shop the XXXX XXXX, had someone XXXXmypaint, hood rare vinyl top and scratched my door hugely, this shops got ta go after my XXXX  for all his or I'll sue, in federal court, is all completed n for breaking other bank laws requirements under sec.w witness XXXX","date_sent_to_company":"2018-02-28T13:50:29.000Z","issue":"Problem with a purchase or transfer","sub_product":"Gift card","zip_code":"60620","tags":null,"has_narrative":true,"complaint_id":"2828450","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2018-02-28T12:27:08.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["NNOW AFTER GETTING DEFRAUDED LIKE THIS BY WHICH I LEARNED DROPPING OF CAR RECENTLY LAST FRIDAY I WAs DEVASTATED.BECAUSE THE GROTESQUE <em>STATE</em> OF XXXX, IS A RICO <em>LAW</em> BREAKER A RUTHLESS THUG LETTING BUSINESSES DO SCAMS N OTHER CRIMES vs US CITIZENS BY FOREIGNORS N XXXX!!"]},"sort":[6.96356,"2828450"]},{"_index":"complaint-public-v1","_id":"8424547","_score":6.3036156,"_source":{"product":"Checking or savings account","complaint_what_happened":"I believe citizens bank and XXXX XXXXXXXX XXXX  company both should be held accountable. Citizens bank for not taking the time to protect their customers and XXXX XXXXXXXX XXXXXXXX  because the not only are taking consumers money but they are robbing them of enjoying very expensive vacations!!!!! \n\n\nBelow are letters that explain everything, I was told I could do a dispute for services NOT RECEIVED!!! Through my bank Citizens bank, I followed all the proper steps, before submitting the dispute. Contacted the realtor company directly on several occasions to try to come to an agreement of a refund. I submitted my dispute in the allotted time period. I submitted plenty of evidence to back my claim. Citizens did not handle my dispute in a proper way, all details listed in the letter to the bank below. They never issued a provisional credit, They never responded to the documents I sent via certified return receipt, and when I called to follow up several business days later the agent told me because I stayed in the home, they were not approving my dispute but that they did request the funds back from the realtor companies bank but they bank denied the funds. So they denied dispute!!! There are hundreds of complaints against this business and they need to be held liable!!! Consumers are spending thousands of dollars and not getting what we're paying for!!!!! \n\nLetter directly to the bank : XXXX XX/XX/XXXX Citizens XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX To whom it may concern ( seeing never get a real name ), I am writing in reference to dispute claim # XXXX for account ending in XXXX. I disagree with your closing my dispute without even getting any information!! I submitted my original claim on XX/XX/XXXX @ XXXX via phone with one of your agents. Days went by with no communication from anyone. On XX/XX/XXXX @ XXXX I called and talked with agent XXXX, she told me my dispute was approved and a provisional credit should have been issued, to follow up in two days if I didn't receive it by then. I then called on XXXX XXXX @ XXXX, spoke to a female agent who told me that I should have already received the credit to my account and that a letter was being sent out as of XX/XX/XXXX from the upstairs office, but she had to request permission to view the letter, she then said she felt this was odd!! So she filed the request while I was on the phone and told me I should receive the letter and credit by XX/XX/XXXX, that they had only 10 business days from accepting my dispute ( XX/XX/XXXX ) to have these things done and it was now day 10. I then called on XX/XX/XXXX @ XXXX and spoke to a male agent who was persistent that the credit had to have been issued ( per what he could see in the computer ) and he proceeded to go through my account seeking the credit!! I told him no credit or letter had been issued to me. Upon verifying no credit had been issued he asked if I minded sitting on hold while he called a claim specialist manager, and it appeared there was about a 5 min hold time for him. I said of course, I just want this taken care of. He returned to the phone and said the manager told him to put in for an expedited credit as It should have already been issued to my account and to put in a request to re-mail the letter out to me. He then told me they had till Mon XXXX to put the credit in my account and to call back Monday the XXXX of XXXX if I hadnt received the letter or credit!! On XX/XX/XXXX @ XXXXXXXX XXXX  someone called me from the bank and asked me one question about my dispute ( did I actually stay or not ) then told me she had what she needed and I would receive a letter in the mail within 10 days or I could call and follow up with an agent in a few days. She then hung up. About 2 hours later I signed into my account and saw they closed my dispute! \nI had spoken to an attorney prior to filing this dispute and was told that I had taken all the right steps and I could file a legal dispute. # XXXX I had tried repeatedly to work with the rental agency everyday while in the home, via phone, email and in person and that my dispute would be filed in the 60 day window that banks allow. He told me that agencies such as Consumer Financial Protection Bureau, FTC and Fair credit billing act protect consumers from not receiving the services they paid for and to file a dispute with my bank that visa and mastercard also have rules in place to protect consumers from not receiving the service they paid for. So that is why I filed the dispute and for your claims department to deny my claim based on the fact that I actually went to the home is a violation of my rights. I want this claim reopened and someone who actually cares to work on it!!!! \n\nI am enclosing, receipts/contract, email communication with the business over some of the issues that I brought to their attention, phone log of all the calls I made to the rental offices, Pictures of the condition of the property ( showing mold and the uncleanliness, individual statements from my family members who stayed in the home on the issues and conditions of the property in their own words and also a few other complaints I found online after the fact complaining about the same exact HOME, proof they do not take care of their homes or care about the families they rent to as they never took care of the issues even after others complained before renting them out again. Also proof of their price gouging, I paid {$7500.00}. For the week when online had I waited to book would have been less than half the price. \n\nI took all the necessary actions to make the best of this bad situation directly with XXXXXXXX XXXX XXXX and all I received was lies and they brushed me off to get me out of their office and off the phone. On one occasion I went into the rental office with a whole list of complaints in my head and because I am a respectful person I didnt voice them out loud to the staff because there was another couple in the waiting room and I didnt want them to hear how bad the conditions really were in the home I was staying in!! So instead I told the worker I would call and email the list so I didnt give the other people a bad impression of them and she said Thank you!! I honestly feel I am entitled to a refund as I have done everything correctly and I DID NOT GET WHAT I PAID FOR!!! \nI look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before I contact a consumer protection agency, at that time I will be contacting Consumer Financial Protection Bureau and filing an online complaint against Citizens, the Federal trade commission to report that your bank is not protecting its consumers and also NYS Department of Financial Services so they know that Citizens violates NYS consumer rights who have issues with poor service received!! \n\nPlease contact me at the phone, email or address above Sincerely, XXXX Letter to XXXX XXXX XXXX and also submitted to my bank I XXXX  rented a beachfront house from XXXX XXXXXXXX XXXX XXXX XXXX XXXX South Carolina. I agreed to pay a deposit of {$2600.00} XX/XX/XXXX and the remainder {$4800.00} XX/XX/XXXX. Under the understanding that the home advertised was the home I received!! Not an old worn down, full of broken and un-working appliances and mold in bathrooms and on ceilings!!! I have a very serious XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and I'd have never rented this home had I known of the mold, mildew and uncleanliness!!! Under the beds and furniture was a solid inch of dust, dirt, sand and actual debris, we were not even allowed to open any window to get fresh air ( see complaints of items not listed in the contract ). I had a XXXXXXXX XXXX  done on XX/XX/XXXX ( 2 weeks after leaving the rental property ) as my breathing has been hindered since staying in the rental home and my condition, which had been getting better, is now worse. I can not be around mold, mildew, chemicals, vapors or dust and it's important I keep my stress level to a minimum!!! The only reason I stayed in the house at all, is the cost associated and planning that I put into getting XXXX families and XXXX people to XXXX XXXX from all over New York and California!!! This whole trip took months to plan ( flights, rental cars, dog boarding and hotels ) and {$16000.00} in total. No one should be led to believe they are renting a safe and clean home especially when those things are included in the contract!!! I picked this home because my parents and I are XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) and it had an elevator that clearly stated XXXX people only! The first time I used it on XX/XX/XXXX around XXXX, it got stuck between floors, it is very small and I am XXXX. My boyfriend ( who's a XXXX XXXX ) got it to return to the 1st floor and got it opened for me, after about 20min. I never used it again. Which caused a lot of pain and shortness in breath to get from floor to floor. My parents tried it as they too are XXXX and had issues as well. They also just resorted to using the stairs, as uncomfortable as it was there was no there option. I did report it to the office but we did not call them out as there were signs saying if they had to send someone out there would be a {$250.00} fee!!! I spent hours of my vacation on the phone and in the rental office trying to get things taken care of, called 3 different numbers and after the first complaint they just stopped answering calls from my phone number, so I had to go in person 5 of the 7 days I was there.. They just kept saying they would send someone out or that they would get it fixed. They never did. I have pictures of the mold in bathrooms and on ceilings and of the dust and dirt just from sweeping the floors. I will include them in my complaint because services were not as I paid for and I gave them ample opportunity to correct the issues. \n\nAfter you check in there is a never ending list of things you will be fined for below is just a few : DO NOT OPEN any window, if windows are seen open you will be charged XXXX $ per window!!! Who rents a beachfront house and can't open the window to get fresh air or hear the ocean, not listed in the contract!!! Trash has to fit in the XXXX small trash can provided, if left outside of the can you will be charged XXXX XXXX They only had trash pickup 1x during the 7 days we stayed. We had 23 people in the home. They make you take trash to the local dump, not listed in contract!! Their recycle can was left half full upon our arrival. I called and told a representative that it wasn't fair to us!! Also the full time we were there the recycle was never picked up even though we put the can to the rd on the scheduled date. The elevator was advertised for XXXX or XXXX peoples use on the website, but once checked in it said if you had to call for a service issue they'd charge XXXX XXXX That's not fair if their equipment fails, why should we have to pay to get help! also not listed in contract. \n\nI also told the business office to make sure the repairman called before arriving so I could make sure I was available to walk him through everything and I found out that he claims to have been in the house while the whole family was down on the boardwalk ( no phone call ) but yet nothing was fixed and there was no sign he was there at all!!. \n\n\nBelow is a list of bullet points that I had brought up to the XXXX XXXX staff that were never addressed!!!! \n\nRocking chair on the upper deck was broken and unsafe Light above stairs to the upper balcony was falling out ( see picture ) Pool was broken upon arrival XX/XX/XXXX and not usable till Thursday the XXXX ( if you like cold water ) and Friday the XXXX finally got what I paid the extra XXXX $ for. Heated pool!! \nThe hot tub had a hose dangling in it upon arrival and was only half full and not operable, they came back on Wednesday and filled it and were not able to use it till Thursday. \nThe oven was broken and took hours to preheat. \nOne of the two dryers did not dry clothes even 3 hours later. \nNone of the tv 's were programmed to the remotes, batteries were not in more than half the remotes. Volumes didn't go up and down with remotes. My nephew went through all the TV 'S and programmed them to work between Monday the XXXX and Wed the XXXX trying to get them to work, seeing how the rental office kept saying someone would be out ( 1st time requested was XXXX 20min after checking in!!! \nThe dishwasher to the left of the sink didn't work at all. We had XXXX people aged XXXX XXXX XXXX XXXX XXXX We needed both dishwashers to be operable!!! We had to stand at a sink and wash them by hand. \nTrash can was not adequate for a 9 bedroom home and only after checking in do they tell you Do not put trash on the side of the can and to drive it to the local dump. \nSigns all over telling you DO NOT OPEN any window or you'll be fined XXXX $ for each window open, who would stay at a beachfront property if you can't open a window!!! \nRecycling was never picked up the 7 days we were there and had other people 's trash all ready in it. \nMold in several bathrooms and on the ceilings ( see pictures ) Dirt, sand and dust an inch thick under all 30 something beds The elevator was a death trap Front door to balcony ( no other way down or into the house ) Kept stranding people on the balcony. \nGrills were old dirty and both out of propane The couch legs were broken The fridge 's were dirty upon arrival The bedding on the beds was dirty, stained and stunk The linen that was delivered was stained, hard and had to be washed before we could use them. Towels and sheet sets. \n\n\nThe list goes on and on, I spoke to a lawyer and he told me under the Consumer Financial protection and also the Federal trade commission laws \" That I have a right to dispute under the fair credit billing act '' which covers poor services you receive and were not to the advertised standard and you as my Bank need to be protecting me!!! \n\nI appreciate your time and await a response in a timely manner Thank you XXXX I have a phone log and emails showing my communications were several times a day everyday that I was on vacation. I also went in person at least 4 times during my stay.","date_sent_to_company":"2024-02-26T22:07:50.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"13069","tags":null,"has_narrative":true,"complaint_id":"8424547","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2024-02-26T20:58:14.000Z","state":"NY","company_public_response":null,"sub_issue":"Money was taken from your account on the wrong day or for the wrong amount"},"highlight":{"complaint_what_happened":["The list goes on and on, I spoke to a <em>lawyer</em> and he told me under the Consumer Financial protection and also the <em>Federal</em> trade commission <em>laws</em> \" That I have a right to dispute under the fair credit billing act '' which covers poor services you receive and were not to the advertised standard and you as my Bank need to be protecting me!!!"]},"sort":[6.3036156,"8424547"]},{"_index":"complaint-public-v1","_id":"3722050","_score":6.2184696,"_source":{"product":"Debt collection","complaint_what_happened":"Dear CFPB DIFS, Michigan AG, Supreme Court Senator XXXX, and other authorities, I respectfully request you to investigate the biggest XXXX XXXX ever existed in the World history, which is operated by the same people who collapsed American housing and stock market in XXXX, but were never held liable for any crimes. They expectably collapsed Worlds economy again in XXXX, which resulted in secretive bailouts to Big Banks by Federal Reserve, started XX/XX/XXXX, or before Coronavirus. \nNow Federal Reserve is buying approximately {$620.00} XXXX in U.S. treasury bonds, including XXXX XXXX XXXX bonds ; corporate bonds, and municipal bonds every week. That's nearly {$2.00} XXXX XXXX per month. \nSurprisingly, Federal Reserve, who should now be called the XXXX XXXX # XXXX, never mentioned purchases of any loans from any Trusts where these loans are pooled as securities and entrusted to Trustees like XXXX XXXX XXXX XXXX who suppose to hold these MBS for the benefit of investors like XXXX XXXX or XXXX who also claims to be the owner of the debt, creditor, issuer, and anything else. \nHow can Federal Reserve buy MBS directly from XXXX XXXX without participation all other parties who are responsible for these MBS bonds which are serviced by companies like PennyMac Loan Services , LLC, who also claims to be the owner of the debt. \nBut Trusts or Trustees or Servicers are never mentioned in Federal Reserve purchase of XXXX XXXX bonds. As well as any owners of any loans ; or loans themselves. \nNeither XXXX XXXX or Federal Reserve never informed homeowners like myself about drastic changes of the ownership of our debt. I am wondering why? \nIt can only happen if nobody owns this debt and no Trust exists to participate in any sales of securities backed by loans. Federal Reserve buy mortgage assets ( which nobody called loans ) which are passed to Federal Reserve by XXXX XXXX and Stockbrokers as a sale since no one company can claim this debt on their accounting books.\n\nIn fact, Federal Reserve simply returns Investors their money paid for Stockbrokers thin-air derivatives while gives Big Banks and Black Knight a flesh start to initiate a new foreclosure mill, as they do during last 20 years. \nMy creditor/owner/investor PennyMac was not even mentioned in Federal Reserve purchase of XXXX XXXX XXXX even though it would be logical for to buy loans directly from the owners, like XXXX claims. \nWhy XXXX is not participating? Because XXXX is a bundle of a middle level criminals who do absolutely nothing with originating, servicing, foreclosing or buying any loans because they do not have money to buy. \nAll of it origination, servicing, pre-designed defaults, foreclosures is done by one company XXXX XXXX ( formerly Lenders Processing Services/DocX ) who is originator, Servicer, and forecloser of 62 % of ALL American mortgages though their sophisticated system LoanSphere where other parties get a limited access via login and password. \nMoney at the closings are passed from Stockbrokers pool which is not related to any mortgages, so called table funding. They are collected from investors in exchange of unsecured certificates based solely on Stockbrokers promises to repay. This information is public and can be found in Prospectuses filed with SEC, where Stockbrokers specifically identify that they trade unregulated securities sold to investors who are unsecured creditors to Big Banks but not secured creditors to homeowners. Moreover, Prospectuses specifically emphasize that Investors to not expect any other collateral than Stockbrokers promises to pay to avoid liabilities for violations of every lending law in the US. \nXXXX XXXX XXXX , XXXX and PennyMac were given some access to XXXX XXXX system via password, as shown in the picture below, so they are able to see and even print limited information such as billing records prepared and maintained by XXXX XXXX without ever touching any money ( except fees ) or borrowers data while pose as legitimate parties to defraud borrowers, investors and Courts. \nWhen PennyMac tried to steal this system from XXXX XXXX to create their own, XXXX XXXX sued PennyMac and fired them effective XX/XX/XXXX. \nSo, PennyMacs pretenses to be a Servicer of non-existing Trust are baseless lies since PennyMac never serviced any Trusts and now even do not have contract with Black Knight to use their system where my data is stored from XX/XX/XXXX. \nBased on this unprecedented crime 30 million Americans were illegally foreclosed by Black Knight and Stockbrokers who got free homes plus proceeds from sales as their additional revenue. \nWith 40 million currently unemployed, Big Banks and XXXX XXXX can not wait until the Government will give them a signal to start foreclosure mill which will surely collapse the entire County. \nHere is how Mr. XXXX and Stockbrokers XXXX XXXX works : My independent lender and Loan Originator XXXX XXXX XXXX XXXX never originated any loans or lent any money, except collecting fees paid to them by Stockbrokers via sham intermediaries. XXXX merely forwarded to them borrowers data while pretended to be a Lender who sells loans to someone else. This is a myth to cover for the real nature of this transaction securitization scheme based on borrowers identity. \nThe actual originator was Mr. XXXX XXXX XXXX XXXX, owner of LPS/DocX/Black Knight who created a huge criminal monopoly under the nose of all authorities, with total impunity. \nXXXX passed my data to XXXX, a middle level intermediary who has an access to XXXX XXXX XXXX. I doubt is XXXX was given an access, or even knew XXXX XXXX is involved, they were too small for it. \nXXXX, in turn, passed my data to XXXX XXXX who originated this transaction via his XXXX XXXX, enterprise loan origination system ( XXXX ) that provides the functionality for every facet of the origination process from point-of-sale to post-closing. Offered as both an ASP and self-hosted solution, XXXX supports consumer, retail and wholesale point-of sale channels ; loan fulfillment and closing ; pre- and post-closing audit and compliance functions ; product and pricing ; electronic document management ; and industry-standard interfaces. \nMoney for my transaction were processed by XXXX XXXX from a Stockbrokers table funding pool, which XXXX XXXX passed to XXXX who mislabeled it as a loan. In fact it was a payment for my financial services to Stockbrokers and participation in securitization scheme as an initial Issuer of the Note ; and for assuming all risks associated with junk fees, pre-designed default and foreclosure, psychological tortures by fake servicers ; endless financial manipulations and threats, and confiscation of my homestead to repay non-existing debt ( aka profit to Stockbrokers who made at least 12 times more from trading my securitized identity as bogus derivatives, which Federal Reserve now re-purchase from defrauded Investors. \nHere are NO accidental defaults or foreclosures in America which are due to borrowers fault. It is all carefully designed and planned by professionals like ill-driven Mr. XXXX. \nHere are some simple basic tricks used by Mr. XXXX to create actual defaults after loans are internally defaulted to be sold as defaulted debt derivatives. First, excessive fees and charges, like outrageous Flood Insurances for homes even in a desert or on hills ( Flood Zone determination is done in-house, by XXXX, see below ). Second, by churning refinancing with huge cash outs under adjustable rates by predatory Lenders ( actors for hire who receive borrowers information from CoreLogic ). Third, bogus deficiencies by manipulations with escrow accounts maintained by XXXX XXXX. When I received {$1900.00} lump sum deficiency along with {$400.00} per month ( or about 50 % ) payment increase, I immediately demanded explanations from XXXX my lump sum deficiency suddenly disappeared and my payment increased by about {$200.00} instead of {$400.00}. But most people do not challenge deficiencies since they think it was done in good faith, maybe due to some accounting mistakes, and receive bills as much as {$15000.00} lump sum plus extra thousands of payment increases, which is a guaranteed default and foreclosure. \nWhen I contacted DIFS and asked them to investigate, Mrs. XXXX responded with absurd runaround where she repeated the same lies told her by XXXX and PennyMac. \nMrs. XXXX said that according to XXXX, my loan was originated with XXXX XXXX XXXX XXXX I dont know based on which evidence Mrs. XXXX concluded that my loan was originated with XXXX if all documents show that it was originated with XXXX XXXX and funded by a Stockbroker via XXXX while XXXX tried to conceal these parties from me by forging RESPA Settlement Disclosure. But she ignored my evidence and sided with criminals. \nMrs. XXXX further stated that XXXX performed escrow analysis on my escrow account, which is not true. All is done though XXXX XXXX XXXX. \nMrs. XXXX further stated that according to PennyMac my loan was in default which is not true. Mrs. XXXX must be familiar with State and Federal debt collection laws as well as contract laws, particularly XXXX which state that only lawful creditors and owners of the debt can declare loans in default. I lawfully demanded a Validation of this debt from PennyMac, which they were never able to provide since PennyMac never was a creditor or a legit representative of the creditor to collect from me any money or declare me in default, which I consider as false and defamatory statements. But once again XXXX sided with criminals to cover for their fraud. \nXXXX further advised MrsXXXX XXXX that servicing of my loan was transferred to PennyMac. But XXXX never said WHO facilitated and/or approved Servicing transfer of my loan to PennyMac, who started calling themselves buyersowners, creditors, investors, issuers, ect without any evidence in support and without even a Seller. Did XXXX transferred servicing rights to PennyMac? Or a Trust or Trustee transferred servicing rights to PennyMac? Or XXXX XXXX ( who has no idea about Trusts serviced by XXXX or PennyMac ). Or MERS, a fake mortgagee? \nWhen I asked Mrs. XXXX to contact XXXX, PennyMac, XXXX XXXX and MERS to identify the Seller of my loan to PennyMac ; who approved changes of Servicer ; and who appointed XXXX and XXXX as Servicers she refused to comply with my request. \nBecause nobody appointed XXXX or XXXX as Servicers to non-existing Trusts. XXXX XXXX merely gave XXXX and XXXX separate passwords and logins to his LoanSphere, so they can see and even print some billing records as evidence of ownership which they regularly presented in the Court to steal homes from defrauded borrowers under glimpse of enforcing debt repayment ( aka revenue for Wall Street Gang ) by non-related parties. \nMrs. XXXX further stated that requirement for flood insurance was determined by the flood certificate from FEMA which acknowledged the property in the flood zone as of XX/XX/XXXX. \nThis is another lie. FEMA has nothing to do with flood determination or flood certificate. It was all done by XXXX who is integrated with XXXX XXXX by at least 5 platforms. XXXX of which provide XXXX Determination and Identity theft services. \nHere is how XXXX XXXX XXXX, XXXX formerly XXXX XXXX XXXX XXXX XXXX XXXX, MI companies, ID Number : XXXX, describes its business model : As the largest provider of Flood Zone Determinations to the mortgage industry, we pride ourselves on providing the same excellent service and reliable industry-proven flood products to all of our clients regardless of their size or production volume. Basic Flood Determinations provide you with a Standard Flood Hazard Determination Form ( SFHDF ) Our technology streamlines the process and returns completed flood zone determination within minutes over 93 percent of the time. We return all Flood Zone Determinations on the FEMA Standard Flood Hazard XXXX XXXX, which in my situation was submitted to CoreLogic by XXXX XXXX, both of whom try to conceal their participation in my purchase and their roles. \nThis is why XXXX claimed that they never received my XXXX and demand to remove XXXX XXXX because it was received by XXXX XXXX who simply ignored it because XXXX XXXX goal are defaults and foreclosures they handle to Big Banks/Stockbrokers. XXXX and XXXX are merely vehicles to act as real parties, push borrowers in defaults under XXXX Knight guidance and support ; and appear in the Court to launder broken Titles, mostly insured by XXXX participant First American Title. \nThus, \" Lenders '' do not originate, service or foreclose anything. XXXX XXXX does. Who can create any Trusts if everything is in hands of ONE person - Mr. XXXX XXXX and his XXXX XXXX? \n\nBig Banks to not pass any money to Lenders. Big Banks do not hire lawyers to foreclose. Big Banks do not hire realtors to sell properties. It is all done by XXXX XXXX who originates loans, pass money from Stockbrokers to intermediaries ; service all loans in his system and give self-proclaimed Servicers a password to login with a limited access in XXXX platforms ; create hardships to create defaults ; forge documents making back-dated assignments to illegally foreclose ; and start all over again. \n\nAnd XXXX XXXX and XXXX XXXX Gang will continue its crimes unless the Government will stop them. \n\nI respectfully demand DIFS, MI XXXX, and all other authorities to investigate and prosecute Mr. XXXX XXXX XXXX XXXX and his Stockbrokers crimes ; order them to compensate homeowners for all damages, just like most recently Court ordered to cancel student loans for defrauded students ; and PAY homeowners their fair share for forceful participation in Big Banks securitization scheme, in the amount at least 20 % royalties from all trades. \n\nI want to mention that involuntary servitude ( aka slavery ) in America is abolished in XXXX, when the 13th Amendment was formally adopted into the U.S. Constitution, ensuring that neither slavery nor involuntary servitude shall exist within the United States, or any place subject to their jurisdiction. \n\nMr. XXXX XXXX and Big Banks created the most cynical slavery when people work hard to save money for HOME purchase, bring these money to criminals expecting to be equal parties of an honest contract and lured into a fraudulent scheme where their identities and homes are sold in all possible forms mostly as defaults ; while unsuspecting borrower spend his/her entire life, sometimes 30 years to return the only one payment - masqueraded as a loan for involuntary servitude in Big Banks Ponzi Scheme plus bailout criminals every 10 years, or more. All while Mr. XXXX and Stockbrokers enjoy 12-50 times more money from trades of their servantss stolen identities plus revenue from stolen homes, wealth transfer and free labor for years. \n\nSince XXXX XXXX is no longer a holder of MBS bonds which were not backed by any mortgages ; and PennyMac was terminated as a sham conduit from XXXX XXXX system, I request Mr. XXXX and Stockbroker ( XXXX XXXX XXXX ) who receives my payments as their tax-free revenue to identify my current Creditor and how this owner received rights to my debt ( under UCC Art 9 203 ) return me illegally collected money ; pay me 20 % from all trades as XXXX XXXX ; provide me a release of any liens since my mortgage is not a loan, and pay me treble damages for fraud, racket, identity theft, unjust enrichment, conspiracy to defraud, defamation of character, emotional distress and other damages. No less than {$50.00} XXXX or more. \n\nBest regards, XXXX XXXX","date_sent_to_company":"2020-06-29T11:51:35.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"490XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3722050","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2020-06-29T11:51:32.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["XXXX further <em>stated</em> that XXXX performed escrow analysis on my escrow account, which is not true. All is done though XXXX XXXX XXXX. \nMrs. XXXX further <em>stated</em> that according to PennyMac my loan was in default which is not true. Mrs. XXXX must be familiar with <em>State</em> and <em>Federal</em> debt collection <em>laws</em> as well as contract <em>laws</em>, particularly XXXX which <em>state</em> that only lawful creditors and owners of the debt can declare loans in default."]},"sort":[6.2184696,"3722050"]},{"_index":"complaint-public-v1","_id":"11230060","_score":6.140052,"_source":{"product":"Debt collection","complaint_what_happened":"Date : XX/XX/XXXX Attention : XXXX  Reference : XXXX Original Creditor : XXXX XXXX XXXX XXXX  Account Number : Current Creditor : XXXX XXXX XXXX XXXX Subject : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} Verification Notice in Response to Dispute Dear XXXX  , We understand that you have some concerns about your outstanding debt from XXXX XXXX XXXX XXXX. We take your concerns seriously and always make an effort to resolve disputes in a fair and practical way. \n\n\n\nThe underlying account, which is the subject of this dispute, was established pursuant to a XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened with XXXX XXXX XXXX XXXX which was used to help secure your tenancy at XXXX XXXX at XXXX. When you moved out, there were unpaid charges and so XXXX XXXXXXXX at XXXX submitted a claim to XXXX in the amount of {$1500.00}. XXXX reviewed the claim submitted and compared it to your lease agreement and bond contract in order to determine what was payable. \n\n\n\nJetty does not impose charges against you, and can not adjust the amount claimed by your property. If you would like to dispute the amount claimed, please contact XXXX XXXXXXXX at XXXX. If they agree to amend the claim, please forward that information to us via email at XXXX and we will be happy to share this with XXXX to reopen and review the claim. \n\n\n\nFor your records, please find the name and address of the original creditor below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX We have reviewed the records for your account and can confirm the following details : Policy Number : Community Name : XXXX XXXX at XXXX XXXX Social Security Number : Bond origination date : XX/XX/XXXX Claim received date : XX/XX/XXXX Claim paid date : XX/XX/XXXX Amount of claim : {$1500.00} Current balance : {$1500.00} To further substantiate this debt, we have made copies of your original account documents available online for your review. These documents can be viewed by clicking the link below or visiting our self-service portal at XXXX. \n\n\n\nView Account Documents This response is being provided to you to confirm that our investigation has verified the accuracy of the above-stated facts relating to this debt. As verification has now been provided to you, we will proceed with the appropriate steps to recover this debt. \n\n\n\nIf, after reviewing the provided information, you believe that this account was opened and/or used fraudulently, you will need to complete the FTC Identity Theft process ( www.identitytheft.gov ) and send us a copy of the submitted report. You will also need to file a report with your local Police Department and provide us with a copy of the Police Report. These documents can be emailed to XXXX. \n\n\n\nIf you have any questions please email us at XXXX or call us at XXXX between the hours of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nCall us Call us Chat with us Chat with us XXXX XXXX Bounce AI , Inc . \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel : ( XXXX ) XXXX ( XXXX XXXX XXXX ) XXXX  This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. \n\nCredit Reporting We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.\n\nStatement of confidentiality The information contained in this electronic message and any attachments are protected by the Electronic Communications Privacy Act ( 18 USC 2510-2521 ). The information is intended for the exclusive use of the addressee ( s ) and may contain confidential or privileged information. No representation is made on the accuracy or completeness of the information contained in this electronic message. Certain assumptions may have been made in the preparation of this material as at this date, and are subject to change without notice. If you are not the intended recipient, you are hereby notified that any dissemination, distribution or copying of this e-mail and any attachment ( s ) is strictly prohibited. Please reply to the sender and destroy all copies of this message and any attachments from your system.We are required under state law to notify consumers of the following rights. This list does not contain a complete list of the rights consumers have under state and federal law.\n\nIf you wish to stop receiving updates regarding your debt from Bounce AI, please unsubscribe here To read the Privacy Policy, browse to finbounce.com/privacy-policy. \n-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX, XXXX XXXX I am being charged fraudulently for blinds that were broken and never replaced when I moved in. I am being charged for repairs that didnt exist. And I am being charged for an extensive cleanups. I was not given back my deposit and when I asked why, I was told the deposit would be used to pay for me terminating my lease early, after I was told I would not be charged for terminating my lease because I purchased a home. I conducted a walkthrough with the property manager and maintenance manager. They assured me that the apartment was in tip top shape and everything is good. I know that it is illegal to withhold a security deposit for false claims. However this over bloated mass of charges is an assault on my character and my credit score. Please make this right. If I dont hear back with a response by XXXX  XX/XX/XXXX, my immediate next action is to hire a lawyer and file a report with my corresponding law enforcement agency. Thank you Charges for rent and damages -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Good day XXXX XXXX, Last year I was living at the cove at XXXX. I had been in apartment XXXX since XXXX of XXXX. I was looking to buy a house at the time to renew my lease. I asked the property manager about breaking my lease if I found a house quickly. She told me that if I buy a house, all I have to do is show a letter from my lender and I wont have to pay to break my lease. She convinced me to sign another lease for XXXX year. I asked for the lease fee waiver in writing but I never received it. \n\nI found a house before the lease was up and informed her that wed be moving. She told me that I have to pay a fee of {$1500.00} to break the lease. I reminded her about what she said about the lease fee waiver and she rudely said youre going to pay me and thats it. She then said that she would use my jetty bond to pay the fee and as long as I leave the apartment in good condition, I would not have to pay anything out of pocket. I have never dealt with a renters security bond before, so I took her word for it. I was overwhelmed and didnt think to confirm the fee which is only XXXX months rent as per the lease. \n\nI closed on my house in XXXX of XXXX and informed the property manager that we would be out before XX/XX/XXXX. A few days before we moved out we emptied and cleaned our apartment, the property XXXX ( I think her name is XXXX but I'm not sure ) and XXXX XXXX came to do the walk through with me. She and XXXX XXXX agreed that the apartment was in very good condition and no damage was done. She took pictures as she did the inspection. We moved out before XX/XX/XXXX. \nI paid XXXX XXXX extra money to cover the lease breakup fees after I moved. \n\nMonths later I started getting calls from a collection agency, the XXXX XXXX  and Bounce AI. I am being charged the {$1500.00} for damages to the apartment and the XXXX at XXXX is charging me approximately {$3000.00} for more damages and 2 months of rent. The XXXX at XXXX says I moved out at the end of XX/XX/XXXX and that I completely trashed the apartment, left behind broken furniture etc. \n\nI have never paid the rent late, and I know I left the apartment in good condition in XXXX. I dont know who or what happened but I know I worked hard to clean the apartment and leave it looking nice. \n\nThe XXXX now has my credit report riddled with negative items and my credit score is suffering. If I ever have to rent again I will not be able to find housing anywhere because my rental history will be destroyed.\n\nPlease help me. This is unfair, and criminal how this property manager has lied, on so many occasions. This is affecting my life and my Finances on a very personal level. \n\nThank you for your time and attention -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Take action to remove the negative entry Hi XXXX We wanted to follow up about the negative entry made on your credit report regarding your {$1500.00} debt owed to XXXX XXXX XXXX XXXX. \n\nYou can have the entry removed from your report once you resolve your outstanding balance. \n\n\n\nHow can you resolve your balance?\n\nView your debt details and explore options like : Settle in full to resolve for a lesser amount Pay over time with installments Once resolved, we will submit a request to remove the negative entry that we have reported to the credit bureaus. This means that anyone who reviews your credit report in the future won't see that it was ever listed. \n\nEXPLORE MY OPTIONS Want to find out more? Contact us at ( XXXX ) XXXX. Our Resolution Experts are here to help with any questions or concerns and to explain your available options. \n\nYour Account Details : Reference number : XXXX Current creditor : XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX Original account number : XXXX  Type of debt : XXXX XXXX XXXX XXXX XXXX Current balance : {$1500.00} Here are some frequently asked questions : Why is Bounce AI appearing on my credit report? \nOne of your accounts has been referred or sold to us, and we are now attempting to collect the outstanding debt. \n\nHow fast can I remove the entry from my credit report? \nThe sooner you resolve, the faster the entry will be removed from your credit report. \n\n\n\n\nThe Bounce AI team XXXX. ( XXXX ) XXXX","date_sent_to_company":"2024-12-20T20:05:21.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"70460","tags":null,"has_narrative":true,"complaint_id":"11230060","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Bounce AI, Inc.","date_received":"2024-12-20T19:16:18.000Z","state":"LA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Please reply to the sender and destroy all copies of this message and any attachments from your system.We are required under <em>state</em> <em>law</em> to notify consumers of the following rights. This list does not contain a complete list of the rights consumers have under <em>state</em> and <em>federal</em> <em>law</em>."]},"sort":[6.140052,"11230060"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":31,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":31}]}},"product":{"doc_count":31,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":13,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage debt","doc_count":6},{"key":"I do not know","doc_count":3},{"key":"Credit card debt","doc_count":1},{"key":"Medical debt","doc_count":1},{"key":"Other debt","doc_count":1},{"key":"Rental debt","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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