{"took":224,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":15,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7486487","_score":20.786163,"_source":{"product":"Credit card","complaint_what_happened":"I was victim of identity theft back in XXXX and XX/XX/2023. I was notified by protect my ID through tipple XXXX of fraudulent activity on my record. My social security number, day of birth, driver license and mail was compromised. they stole all my information. multiple accounts opened under my name. Filed a police report under XXXX XXXX XXXX department. Case number XXXX. Pretty most of the accounts opened have being resolve except for XXXX account. I have contacted the company security Operations department which is in charge of investigating fraudulent cases. I was instructed to mail some information from my side. So i mailed a copy of my ID, a copy of the police report and copies from my bank statement. i was told the person who opened the account made the first month payment so they needed proved it wasn't me making the payment. This was back in XXXX. So i followed up a few weeks l letter after i received a letter from them that they have concluded i was responsible for making the payments in this account. I called them and they said the reason why i received this letter it was because they never received the information. Even though they provided me with address where i have to send it. So now i was instructed to fax it over. So i did XXXX weeks ago to the number the provided me and i called them last week to follow they said they could see the information i sent and they were going to send it over to the investigator in the case. i received a similar letter this week saying they concluded im responsible and i have to pay for the charges. so i called them again 3 days ago and they said they didnt received any information now they want me to fax it over again to 2 different fax numbers. I requested an email address instead and they said they dont have an email address. I am tired of dealing with them. i have done everything i was instructed to do because i want my credit to be fix again. I feel i have being treated unfairly even though i have tried to work with them.","date_sent_to_company":"2023-09-19T21:56:01.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"92503","tags":null,"has_narrative":true,"complaint_id":"7486487","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2023-09-02T02:25:03.000Z","state":"CA","company_public_response":null,"sub_issue":"Card opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["So i mailed a <em>copy</em> of my ID, a <em>copy</em> of the police report and <em>copies</em> from my bank <em>statement</em>. i was told the <em>person</em> who opened the account made the first month payment so they needed <em>proved</em> it wasn't me making the payment. This was back in XXXX. So i followed up a few weeks l letter after i received a letter from them that they have concluded i was responsible for making the payments in this account."]},"sort":[20.786163,"7486487"]},{"_index":"complaint-public-v1","_id":"1306301","_score":19.660748,"_source":{"product":"Consumer Loan","complaint_what_happened":"I spoke to Gatewayone lending on XXXX to remove the recurring payment from my loan since I had setup billpay with my bank. Gatewayone lending assured me several times on the phone I was not automatic payment from my checking. I mentioned the website said the word \" recurring '', the person on the phone said that they do not even have my checking account information on file. \n\nOn XXXX I noticed that my checking account was lower then usual. So I did some digging and found out that on XXXX and XXXX Gatewayone had stolen amounts equal to my auto loan payment from my checking account. I called Gatewayone lending and asked about my recurring payment, they told me again I do not have XXXX and that they see in their system that I called in XX/XX/XXXX. Their system had notes about me wanting to cancel my recurring payment, and their notes said I did not have recurring payment setup. I informed the agent on the phone that I would like to know why my checking account shows they have been taking money from me then. They put me on a hold and came back saying they were sorry and would like proof they took my money. I told them I want the money back in my account in the same time frame it took them to steal it from me ( payment was due on the XXXX, they had the money out of my account by the XXXX, so XXXX days ). They told me that was not possible and that they require I provide a copy of my bank statement to prove they stole from me ( even though the person on the phone admitted that they see the amounts posted on my loan ). I informed the representive that I have been recording them ( they have an automatic message that says I may be recorded, so turn about is fair play ), they were fine with the recording. \n\nI contacted my bank to put a stop payment on all the fraud done by Gatewayone lending.","date_sent_to_company":"2015-03-29T17:24:57.000Z","issue":"Managing the loan or lease","sub_product":"Vehicle loan","zip_code":"23220","tags":null,"has_narrative":true,"complaint_id":"1306301","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TCF NATIONAL BANK","date_received":"2015-03-29T17:24:56.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They told me that was not possible and that they require I provide a <em>copy</em> of my bank <em>statement</em> to <em>prove</em> they <em>stole</em> from me ( <em>even</em> <em>though</em> the <em>person</em> on the phone admitted that they see the amounts posted on my loan ). I informed the representive that I have been recording them ( they have an automatic message that says I may be recorded, so turn about is fair play ), they were fine with the recording. \n\nI contacted my bank to put a stop payment on all the fraud done by Gatewayone lending."]},"sort":[19.660748,"1306301"]},{"_index":"complaint-public-v1","_id":"2580672","_score":16.361818,"_source":{"product":"Checking or savings account","complaint_what_happened":"Temporarily, I am residing in the XXXX. With me temporarily abroad. All of my XXXX XXXX accounts, credit card accounts and personal records were updated to my XXXX residence. Currently, I have a joint Chase checking account with my daughter, who is residing in New Jersey with my ex-wife, that I am having Big problems with. The problem started when JP Morgan Chase mailed me a new Debit card by means of a regular mail to the XXXX address, without me knowing. The said Debit card got stolen in the mail and was used in the local XXXX XXXX in XXXX last XXXX XXXX, 2017 ( XXXX time ). Based on the store security and Manager that I spoke to. The crook bought XXXX XXXX XXXX of gift certificate, which is equivalent to US {$1600.00}. In a repeated phone call informing Chase that the {$1600.00} purchase was not mine, and it is a fraudulent charges. Chase Claims Department kept on brushing me off. I have repeatedly explained to Chase that it must have been the newly mailed Debit card that was stolen and used by the thief to buy the gift certificates. Apparently, Chase should have investigated and checked with the vendor, where it was used. And they will find out that even though, the new card will still have the same card number as my old card however, you will find out that the expiration date and year will be different. Which will determine if this is the old card or the newly mailed Debit card that got stolen. Instead Chase did not do anything and put the charges back on my checking account. Another thing, which is a big concern of mine. How did the crook used my debit card if I did not activated it, ( This happens twice ) and another thing is, Debit card need a pin code before you can used it to purchase or buy something. Not sure how did the fraudulent charges got through. I was told by Chase they can used my Debit card and swipe it as a credit card. Which is a very bad thing, all along I thought I have an extra security features because of the pin code but no good.. Another logical thing is, that I know that this is a Debit Card, why will I ask the Store to put through as a credit card. It is clearly not me. When continuing my calls to Chase. Chase still refused to investigate and give back my money. On one of the conversation I had with Chase. They told me to investigate the charges by myself. Upon doing the investigation, I went to the local police to file the report where crime was done, and went the XXXX XXXX where the crime had happened. And I was able to talk to the local police, the store Manager and the Store head of security and was able to secure a Police Report, Store Incident Report who made the transactions, and even get the picture of the person who stole my Debit cards on their surveillance camera, copies of the store receipts and the signed receipts proving that the person is not me. All the evidence was communicated and faxed to Chase. Proving that I am not the one who made that purchase. And one of the most important proof is the signature, showing that it is not me. However until now, Chase refused to give me back my money. Apparently, Chase had irresponsibly and neglected to secure my funds and fraudulent charges got through and this bank is putting them on me. Chase should give my money back as this is clearly the banks fault! Please note that the statement attached is showing that the charges was temporarily put back. But on the later date, ( not showing in the statement ) Chase took back my {$1600.00}. so I am now out by that amount.","date_sent_to_company":"2017-07-21T05:10:48.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2580672","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-07-21T01:02:54.000Z","state":null,"company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["And I was able to talk to the local police, the store Manager and the Store head of security and was able to secure a Police Report, Store Incident Report who made the transactions, and <em>even</em> get the picture of the <em>person</em> who <em>stole</em> my Debit cards on their surveillance camera, <em>copies</em> of the store receipts and the signed receipts <em>proving</em> that the <em>person</em> is not me. All the evidence was communicated and faxed to Chase. <em>Proving</em> that I am not the one who made that purchase."]},"sort":[16.361818,"2580672"]},{"_index":"complaint-public-v1","_id":"4344861","_score":14.555555,"_source":{"product":"Checking or savings account","complaint_what_happened":"What is this complaint about? \nThis complaint is about fraudulent charges against my checking account ( account # XXXX and an associated debit card assigned to a friend ( referenced as her ) ( card #. ) The checking account and debit card are with TDBank. The fraudulent charges were by XXXX. \nWhat type of problem are you having? \nBoth TDBank and XXXX are denying part or all of my claims. Both companies have not provided written information to support the associated case filed with the XXXX XXXX, Maryland police department ( case XXXX, submitted by XXXX XXXX XXXX and with the other institution. \nWhat happened? \nOn XXXX XXXX, XXXX, I filed a claim with TDBank based on my checking account balance being {$0.00} due to numerous fraudulent transactions by payments to XXXX. TDBank described the charges as going back to XX/XX/XXXX during the initial phone call with them. \nThe TDBank branch in XXXX, MD provided a partial list of fraudulent transactions starting on XX/XX/XXXX during a visit to the branch. I have ordered printed copies of the monthly statements from XX/XX/XXXX through XX/XX/XXXX and have only received the XX/XX/XXXX statement by postal mail. \nThe fraudulent transactions were due to my friends XXXX XXXX being hacked and her credit and debit card information stolen. \nXXXX denied three claims stating that fraud did not occur. The bank claimed they contracted her and me about specific charges when neither of us received a notification. It is likely the bank contacted the person/people who hacked her XXXX and stole the money. The bank currently considers my situation a complaint submitted on XX/XX/XXXX with a second request on XX/XX/XXXX rather than a claim. \nXXXX delayed handling the potential claim from XX/XX/XXXX to XX/XX/XXXX due to a lack of information. XXXX located some of the fraudulent charges on her iPhone/Apple account on XX/XX/XXXX. XXXX denied the claim because I did not know the charges were coming from her assigned debit card number that is different from my debit card number. XXXX accepted the claim submission on XX/XX/XXXX with a delayed claim start date because I was finally able to conclude on my own that I needed her debit card number to file the claim. Apples case ID number is XXXX. \n1. TDBank did not provide me with her debit card number as the possible source.\n\n2. TDBank did not contact XXXX or me about potential problematic card transactions, but tried to contact the person or people who hacked her XXXX. During a visit to the XXXX, MD branch, their internal system listed no messages to her or me prior to XX/XX/XXXX ; six texts to her hacked XXXX and none to me when it is believed her XXXX was hacked. \n3. TDBank did not contact her or me or leave voicemail or text message to call the bank during the claim investigations despite the banks claims they tried to contact us. \n4. TDBank has never contacted me about potential fraudulent card transactions or about fraud protection.\n\n5. TDBank apparently has never set up fraud protection services on any cards issued to either her or me since I opened the checking account in XXXX. \n6. TDBank did nothing to protect the money I deposited with them even though I rely on their protecting my money as a fiduciary.\n\n7. XXXX considers the claim partially denied even though I first contacted the company on XX/XX/XXXX instead of the XX/XX/XXXX date they accepted my claim submission. \n8. XXXX mentioned in the XX/XX/XXXX call that some of the claims may be denied despite their recognition that fraud occurred. This may be due to transactions being for multiple purchases. \n9. XXXX did not provide any documentation that I could use to prove her phone was hacked. \n10. XXXX did not provide any fraud protection services on her XXXX or the use of their service Apple.com to protect the accounts and cards associated with the transactions. \nWhat company is this complaint about? \nThe complaint is about TDBank and XXXX. \nWho are the people involved? \nI have only talked with customer service personnel at TDBank and XXXX. Most were by telephone with names I did not receive or first name only. The only exception is XXXX XXXX, a customer service representative at TDBank in XXXX, MD. ( NMLS ID # XXXX ; tel XXXX XXXX ) XXXX ; XXXX XXXX I have included documents from TDBank and XXXX as pdfs. Please let me know if you have any questions or comments about this submission or if you want additional information. Thank you.","date_sent_to_company":"2021-05-02T12:00:12.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"21703","tags":null,"has_narrative":true,"complaint_id":"4344861","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2021-05-02T11:41:45.000Z","state":"MD","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["TDBank did nothing to protect the money I deposited with them <em>even</em> <em>though</em> I rely on their protecting my money as a fiduciary.\n\n7. XXXX considers the claim partially denied <em>even</em> <em>though</em> I first contacted the company on XX/XX/XXXX instead of the XX/XX/XXXX date they accepted my claim submission. \n8. XXXX mentioned in the XX/XX/XXXX call that some of the claims may be denied despite their recognition that fraud occurred. This may be due to transactions being for multiple purchases. \n9."]},"sort":[14.555555,"4344861"]},{"_index":"complaint-public-v1","_id":"2664580","_score":13.2814045,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In XX/XX/XXXXI was informed via a phone call from Bank of America that my accounts with them may have been compromised. So I went into the local Bank of America branch in XXXX, Il. At that time I was told that there was an attempt to change my online account password and email address associated with my accounts. I had a money market account, checking account, and credit card with Bank of America at time. The employee then discovered that over {$13000.00} was transferred from my money market account to my checking account. Once that was completed about {$3000.00} from my checking account was wire transferred to a XXXX XXXX  account that was in the name of XXXX XXXX XXXX. He then informed me that this person who lives in XXXX, GA at XXXX XXXX XXXX XXXX XXXX XXXX was seen on camera entering a Bank of America branch in XXXX with an ID in my name and had obtained a debit card to my accounts. I was told to get the police involved so I filed a police report for Identity Theft with the XXXX PD. Then I had my accounts closed and reopened under different account numbers. This personal subsequently obtained the new account numbers so I was told to close out all of my accounts with Bank of America. In XX/XX/XXXXI went into the local Bank of America in XXXX, IL and closed out my checking, money market, and credit card accounts. I then assumed that everything was taken care of since I had been assured my the Bank of America fraud dept. that all the accounts were closed and could no longer be used by this person in Atlanta.\nNow yesterday, XX/XX/XXXX, I received a call from a collections agency stating that I owed {$1300.00} for an unpaid balance on my Bank of America credit card that was supposed to have been closed out in XX/XX/XXXX. So I was transferred to Bank of America 's fraud dept. who told me that this was not fraud since the account was opened by me in person on XX/XX/XXXX at my local Bank of America in XXXX, IL. I informed them that I indeed did have this credit card opened in XX/XX/XXXXbut that I closed out all my accounts with them in XX/XX/XXXX due to identity theft. I was then told that that could n't be the case because I just made a payment of {$1000.00} on this credit card in XX/XX/XXXX. I then asked them what address this credit card along with the statements was being mailed to. I was informed that it was sent to XXXX XXXX XXXX XXXX  XXXX, GA XXXX. I told them that I lived in XXXX, IL which is about 12 miles east of XXXX XXXX, MO and that I have never resided in the state of Georgia. I also informed them that the lady who stole my identity lives at this address. They refused to believe me so I went into the local Bank of America today at XXXX XXXX XXXX, XXXX, Il. I showed them my driver 's license, social security card, birth certificate, the police report filed in XX/XX/XXXX. I also gave them a copy the application that XXXX XXXX XXXX XXXX sent me that proves that this lady at this address XXXX  has previous opened up a fraudulent credit card with them using my name, SSN, DOB, but at this same address in XXXX. I also informed them that this is about the 14th credit card that she has opened fraudulently in my name and that I have had to get closed. I have done all that I 've can on my part. I have filed police reports. I have a 7 year fraud alert with all 3 credit bureaus, I have a credit freeze but this still has not prevented this woman or man from opening up credit cards in my name. So I asked the bank manager how could this happen since I closed this credit card inXX/XX/XXXX for fraud. He told me that on XX/XX/XXXX that this person did a balance transfer of {$970.00} from a XXXX card to this closed Bank of America Cash Reward card and that this balance transfer is what reopened this closed account. Now mind you, I have previously had 3 Discover Cards closed that this person had opened in my name. I do n't know where to go from here. The XXXX PD says they have no jurisdiction in XXXX, GA and ca n't do anything. And the XXXX PD refuse to help me because I do n't live there even though I have give them this person 's address and all of the fraudulent accounts that have been opened and closed using my name, ssn, and dob.","date_sent_to_company":"2017-09-08T22:00:44.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"62221","tags":null,"has_narrative":true,"complaint_id":"2664580","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-09-08T20:51:39.000Z","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 opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["And the XXXX PD refuse to help me because I do n't live there <em>even</em> <em>though</em> I have give them this <em>person</em> 's address and all of the fraudulent accounts that have been opened and closed using my name, ssn, and dob."]},"sort":[13.2814045,"2664580"]},{"_index":"complaint-public-v1","_id":"5240863","_score":12.835133,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"( Please see attachments for formatted version of this description ) -- -- -On XX/XX/XXXX I was notified by my parents that they had received a credit card ( Forever 21 card issued by Comenity Capital bank ) at their address in my name, which also came with a first bill with charges totaling {$490.00} made on XX/XX/XXXX and XX/XX/XXXX at the Forever 21 shop in XXXX  XXXX XXXX IL XXXX The statement closing date was XX/XX/XXXX with payment due data of XX/XX/XXXX. \n\n\nI was not aware of this card nor did I make the charges. I live and work in the XXXX since XXXX where I also have a family and own a house. I was not present in the US at the time this card was opened or when the charges were made. \n\n\nI immediately contacted Comenity Bank on XX/XX/XXXX and informed them that I did not open this card and that I dont live at that address and was not present in the US when these charges were made, and that I had been the victim of identity fraud. I wanted the account and liability immediately removed from my name. The representative on the phone said this appeared to be a clear case of fraud and the account would be removed from my name and transferred to their fraud department for further handling. I was led to believe that no further action was needed from me. \n\nMeanwhile I also contacted XXXX and put a hold on my credit and a fraud alert and opened a dispute against the fraudulent card. Through XXXX I discovered that the person who stole my identity and opened this card fraudulently used an old phone number for me ( which has not been in service for some years ). The address as well is that of my parents instead of my current address. On XXXX XXXX I filed my first complaint with the CFPB and on XXXX XXXX with the local police department where the fraudulent charges were made ( XXXX XXXX, IL ). Recently, on XX/XX/XXXX I have also filed a report of Identity Theft with the FTC. \n\n\nThrough my earlier CFPB complaint I received the finding from Comenity that Our Account Protection ( Fraud ) team completed the fraud investigation and found no basis to support the fraud claim. As of the date of this letter, the balance on the account is {$490.00}. You are responsible for this balance. We reviewed the applicable telephone calls. We werent able to locate any instances where our representative agreed the account was fraudulent and/or advised the account would be removed from your credit file. \n\nI categorically and fully contest every part of the companys response to my complaint and it is clear they have not given this a conscientious or thorough review. They have apparently not taken into account that I do not live in the US nor was present when this credit card was opened and used in a physical store location, as I reported in my first and only conversation with Comenity on XX/XX/XXXX. They did not, and still have not provided me with clear or correct information regarding the process ( like the fact that apparently there is a full burden of proof is on me ), that I needed to prompt further investigation, or that I needed to supply specific evidence. Moreover, their fraud line representative misled me into believing this was going to be handled as a fraudulent account without further action needed from me ( though they apparently do not find in the call recordings that this conversation took place, though I only spoke to one representative by the time I filed the CFPB report ). They have not provided me with complete info about the account and opening of the card that I can contest with evidence, for example precisely when/where the card was opened. Based on the statement dates and activity I assume this was opened at the Forever 21 shop in XXXX XXXX, IL at some time in XX/XX/XXXX, and therefore the evidence I supply here is based on that assumption and the two known transaction dates of XXXX XXXX XXXX at the physical Forever 21 shop in XXXX XXXX  XXXX IL. \n\n\nI insist that Comenity now once and for all and completely remove this account and liability from my name and credit report. To support this I provide additional evidence here, specifically around the fact that I live in the XXXX, not at the address used to fraudulently open the card, and I was not physically present in the US at the time the card was opened and charges made at a physical store location in IL. If this is not sufficient for Comenity I ask them to inform me specifically what evidence they are expecting from me. \n\n\nI attached the following information in support of my request, and can submit additional pieces of evidence if Comenity provides me more information about how/where/when the card was initially opened or informs me of what specific pieces of evidence they are looking for. \n- a copy of my full passport showing that I was only present in the US in 2021 from XX/XX/XXXX through XX/XX/XXXX ( in two parts to keep to under the 10MB limit ) -corresponding copies of boarding passes for those flights -a copy of my XXXX ( XXXX ) residency permit, showing that I am a resident here -a copy of my XXXX ( XXXX ) drivers license -a copy of my local XXXX insurance policies via my bank here, XXXX XXXX, including the XXXX XXXX '' or personal liability insurance showing it is active since I moved to the XXXX in XXXX and showing my current address in The XXXX -A copy of my official US economic stimulus payments to me at my current address in The XXXX, proving that this is the address I use for filing my US taxes and is formally recognized by the US. \n-A copy of a dental bill to me at my current address in the XXXX showing that I was present in the XXXX during XX/XX/XXXX. \n-A copy of my local tax bill showing that I am the owner of the house in The XXXX in XXXX -A copy of the first page of the transfer of the deed to the house in the XXXX in XXXX, proving that I own this house since XXXX -A ( partially redacted ) copy of my payslip from XX/XX/XXXX showing that I am employed locally in the XXXX with this company since XXXX, and showing my current address in the XXXX. \n-A copy of the police report I filed with the XXXX  XXXX Police Dept in XX/XX/XXXX -A copy of my FTC Identity Theft report Note : Throughout the entire process it has been nearly impossible to file complaints or get my credit information as I am blocked from all credit bureaus when trying to access their sites from a non-US IP address, most activities require setting up an account with a US phone number for receiving activation or authentication codes. For example, filing the police report was difficult because the normal process is to have an officer call you back when they are available to take down the report but they can only call US phone numbers. And the police report needs a local US address and US phone number. Even the FTC site is essentially impossible to use from a non-US IP address, does not accept international phone numbers. Filing this report took me an extra month to do than should have been needed and I needed to have a family member go through the online process locally in the US and file on my behalf. Issues like these are the reason for delays on my side.","date_sent_to_company":"2022-02-19T22:43:37.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5240863","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2022-02-19T21:39:10.000Z","state":null,"company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["Through XXXX I discovered that the <em>person</em> who <em>stole</em> my identity and opened this card fraudulently used an old phone number for me ( which has not been in service for some years ). The address as well is that of my parents instead of my current address. On XXXX XXXX I filed my first complaint with the CFPB and on XXXX XXXX with the local police department where the fraudulent charges were made ( XXXX XXXX, IL )."]},"sort":[12.835133,"5240863"]},{"_index":"complaint-public-v1","_id":"4908251","_score":12.700831,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/XXXX I entered into a consumer credit transaction for my XXXX white XXXX XXXX at XXXX XXXX XXXX in XXXX, GA. The finance manager who assisted me was XXXX XXXX. I never received an explanation, walk through, or full disclosure on the contents of the contract and promissory note. I didnt receive a copy of the contract until several months later, XX/XX/XXXX, although I requested it from both XXXX XXXX XXXX and ALLY FINANCIAL. On XX/XX/XXXX I mailed via certified mailing ( attached below ) a tender of payment for full satisfaction of claim of the car. I did this conspicuous and in good faith pursuant to UCC 3-11 and UCC 3-603 . \nUCC 3-603 states If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender ... and UCC 3-311 states If a person against whom a claim is asserted proves that ( i ) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim, the claim is discharged if the person against whom the claim is asserted proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of the claim. ALLY FINANCIAL never sent me a notice of dishonor nor did anyone explain why my lawful payment for discharge of the debt was rejected. My documents sent for discharge of the debt was never returned to me, instead I received copies of them. I asked a rep for ALLY for the return of my documents from XXXX to XXXX and I was initially told they didnt receive anything, then I was told I couldnt get my documents back, lastly I was told it would be mailed to me. I have yet to receive my documents. I was sent a letter stating that my payment was rejected and it was not an acceptable form of legal tender and only money orders, cash, and certified checks are acceptable forms. But pursuant to HJR-192, Public Law 73-10 and Title 31 USC 5118 prohibits Banks/creditors from demanding any specific specie of payment. All Banks must process lawful United States currency. Failure to do so is interference with commerce, a felony under the RICO ACT, 18 USC 1951. a Federal US court of appeals ruled on Title 31 USC 5118. As of XX/XX/XXXX, legal tender for discharge of debt is no longer required. That is because legal tender is not in circulation at par with promises to pay credit. Requirement of repayment of debt is against Public Policy, since legal tender was not loaned [ nor in circulation ] ALLY can not demand payment in any [ particular ] form of coin or currency or legal tender and repayment [ or payment ] need only be made in equivalent kind ; A negotiable instrument. ALLY FINANCIAL has committed embezzlement, theft by deception and extortion failing to discharge all debts pursuant to 73RD CONGRESS. SESS 1. CHS. 48 49. XX/XX/XXXX, XXXX HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917. After receiving my contract I realized Ive been violated in more than one ways. My car was paid at the time of the transaction via the promissory note as a negotiable instrument. ALLY FINANCIAL never loaned me credit as its stated in the contract. Banks can not lend credit. I have, through research, learned the following to be true and most likely applies to me, which is the reason I have requested and demanded ALLY to validate their claims and produce pursuant to applicable law. ALLY allegedly loaned me their money or creditwhen in reality they deposited ( credited ) my promissory note and used that deposit to pay my seller. I demanded for ALLY to provide me with validation of debt owed by providing documentary evidence of the private and public side of the ledger to show where they loaned anything to me or on my behalf. I have yet to receive the information I requested pursuant to 12 CFR 1026.13 and 15 USC 44. I extended my credit for the transaction and provided my autographs of the promissory note which funded the entire transaction. In the contract it states that I may buy the vehicle for cash or on credit, and I did both. I put a down payment down and purchased on credit which is a violation of 15 USC 1662 ( 2 ) and 15 USC 1605. Pursuant to 15 USC 1605 The finance charge in connection with a consumer credit transaction is the sum of all charges and does not include charges of a type payable in a comparable cash transaction. My car was repossessed XX/XX/XXXX even though ALLY didnt have the right to. There wasnt disclosure in the contract that a third party would be participating in anything dealing with the taken of my car. I have not been notified that my car was sold whatsoever. ALLY FINANCIAL stole my vehicle, promissory note, my tendered payment, and federal reserve notes for alleged car payments. My contract doesnt contain the proper notice pursuant to 16 CFR 433.2. Theres suppose to be consideration on both sides in order for a contract to be valid. I have not received any consideration in this contract and have giving too much for nothing. This is FRAUDULENT and disrespectful to me. This whole ordeal has caused me anxiety, stress, humiliation, sleepless night, my fianc stress while pregnant, loss of wages because of no transportation, and ruined my credit reputation.","date_sent_to_company":"2021-11-13T05:16:29.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"35215","tags":null,"has_narrative":true,"complaint_id":"4908251","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2021-11-13T05:07:44.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Fraudulent loan"},"highlight":{"complaint_what_happened":["UCC 3-603 states If tender of payment of an obligation to pay an instrument is made to a <em>person</em> entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender ... and UCC 3-311 states If a <em>person</em> against whom a claim is asserted <em>proves</em> that ( i ) that <em>person</em> in good faith tendered an instrument to the claimant as full satisfaction of the claim, the claim is discharged if the <em>person</em> against whom the claim is asserted <em>proves</em> that the instrument"]},"sort":[12.700831,"4908251"]},{"_index":"complaint-public-v1","_id":"20757242","_score":10.433696,"_source":{"product":"Credit card","complaint_what_happened":"The copy of the letter presented below is about a continuing and unresolved complaint I have against XXXX XXXX. The former CFPB Complaint ID Numbers are as indicated in the letter 's Reference. \n\nXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Attention : XXXX XXXX XXXX \n\nReference : XXXX  XXXX ending in XXXX ( Fraud ), XXXX ( Fraud ), XXXX ( Replacement ), and Consumer Financial Protection Bureau Case # XXXX, XXXX This correspondence is in response to your letter dated XX/XX/XXXX, regarding the above-referenced subject matter. My comments follow the same format and sequence of your letter and are as follows : NOTE Before proceeding with my comments, it is important to remind you that I am an XXXX XXXX, married, retired and XXXX, XXXX  man who has numerous health problems and is living on a fixed and very limited income. And my XXXX XXXX  wife also has her share of health problems with the most serious being XXXX which requires her to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nTherefore, you should be able to understand that my comments presented herein reflect the current physical, mental, and situational condition of both my wife and myself regarding the subject matter in your letter. \n\n\nFirst Paragraph It was good to learn that the CFPB relayed my concerns to your attention. But keep in mind that XXXX  brought the attention of the CFPB solely upon itself when it ( i.e., XXXX  ) determined that no credit card fraud occurred on my account. In my situation, you should have been able to recognize that XXXX  had forsaken me by not honoring its advertised {$0.00} Fraud Liability Guarantee on the fraud committed against me and then making me responsible for paying all of the unauthorized credit card charges that occurred on my account over the past 3 years. Therefore, I had no other choice but to report XXXX  unfaithful and unscrupulous acts to the CFPB as well as the XXXX  Attorney General. Incidentally, it seems to me that XXXX  could now be prosecuted for fraud based upon its false advertising and unscrupulous acts as described above. In addition, I would like to know what XXXX  now calls fraud as it pertains to when a person makes an unauthorized purchase on someone elses credit card? \n\nSecond Paragraph I dont remember exactly when my wife reported the credit card fraud to XXXX  or when my account ending in XXXX was closed, but the XX/XX/XXXX, date appears about right. However, I do remember a replacement account ending in XXXX was soon established and also closed for fraud. Then shortly thereafter, the final and present account ending in XXXX was quickly established. Even though XXXX  investigation of the fraud was a farce as explained below, I wish XXXX  had been astute in conducting a competent and credible investigation of the fraud like it was in establishing the new accounts. But based upon XXXX  unfaithful and unscrupulous acts as described in the First Paragraph, it was easy to understand why XXXX acted so quickly in assigning me another account. The reason for that was obviously because XXXX  could continue to bill me for all of the unauthorized credit card charges, plus interest, that occurred on my account over the past 3 years. In fact, enclosed with XXXX  letter of XX/XX/XXXX, is another XXXX  letter dated XX/XX/XXXX, which shows XXXX  way of again telling ( or intimidating and harassing ) me that I am still being held responsible for paying the entire balance on my account ( see both letters in Enclosures ). And by XXXX  making me responsible for paying for all the unauthorized charges proves that XXXX  is no better than the fraudsters in fact, XXXX  is now just as bad as the fraudsters! \n\nIn regards to my letters of XX/XX/XXXX ( # XXXX ), XX/XX/XXXX ( # XXXX ), and XX/XX/XXXX ( # XXXX ), I am confused about the ( # XXXX ) letter because I could not remember it or find it in my files? Since I do not have the ( # XXXX ) letter, could you please send me copy of it, if it does exist? After looking in my files, it appears that you matched the ( # XXXX ) letter with some other document? This is because my files show that you should have referenced my letter of XX/XX/XXXX, as the ( # XXXX ) letter. This is especially the case when taking into account that the XX/XX/XXXX letter contains more significant information about the fraud. In fact, from what a XXXX  agent told the wife and I when XXXX  was investigating the fraud, the XX/XX/XXXX letter identifies one of the fraudsters by using the name of XXXX together with her cell phone number and password on many of the unauthorized credit card transactions. If you never received the XX/XX/XXXX letter, I have enclosed a copy of it in this letter for your information. It is important that you read the XX/XX/XXXX letter ( see Enclosures ). \n\nWhat frustrates me about this whole matter is that after learning about the credit card fraud back in XX/XX/XXXX, I had been working in conjunction and close collaboration with all entities and persons involved in trying to find and prosecute the fraudsters as well as correct their wrongdoings, which included ( among other parties ) both XXXX  and the XXXX police. In doing this, my efforts were in earnest and transparent in that all parties were sent the same information that could be used in their investigations. For instance, all of my letters mentioned above provided information about the fraud which included, but was not limited to, a history and description about the fraud, circumstances/conditions related to the fraud, dates and times of how and when the fraud was being committed, and several other particulars about the fraud. Even a profile of one of the fraudsters ( i.e., XXXX ) was developed to show what she was capable of doing. It should also be pointed out that I requested XXXX  to provide me definitive descriptions about all the transactions comprising the unauthorized charges so the wife and I could determine whether or not we might have purchased some of the items. This can be seen in my letters of XX/XX/XXXX, and XX/XX/XXXX. All of my efforts in keeping everyone informed are evidenced in the documents that I sent to the entities and persons that were in some way or another involved in the case. But XXXX  never replied to any of the letters I had sent to them. Why? In any case, it would be difficult for Discover to refute any of these facts. Therefore, I again do not agree with your assessment that the information in the letters did not support a reversal of XXXX  decision in keeping the investigation closed. In my letter of XX/XX/XXXX, I also asked XXXX  to tell me how XXXX  determined that the unauthorized charges were not fraud when as soon as the unauthorized charges were made to my account, that is how and when the fraud actually and undeniably occurred! But, to no surprise, XXXX  again never replied to my request. Rather than re-open its investigation XXXX simply and conveniently kept the financial liability wrongfully and unjustifiably charged to me whereby XXXX  is still holding me responsible for paying the entire balance on my trumped-up account. \n\nIt is important to point out that XXXX  should have copies of all of my letters mentioned above. And based upon XXXX  persistently claiming that fraud had not occurred on my account further proves that XXXX  either : ( a ) did not read the letters, or ( b ) could not comprehend the information provided in the letters, or ( c ) XXXX  did read the letters and understood the information provided in the letters but chose to ignore everything so XXXX  could continue to charge me for all of the unauthorized charges, plus interest, that occurred on my account over the past 3 years ( i.e., from XXXX through XXXX ). Thus, it is apparent that XXXX  is using the fraud that was committed against me as a profit center and a means of making larger profits. \n\nThird Paragraph In regards to my concerns with XXXX XXXX, XXXX reply about me not speaking with XXXX XXXX is nothing more than a weak excuse for XXXX  not providing me with this aspect of financial protection and reimbursement. This is especially the case when considering that the daughter-in-law stole the credit card information off the credit cards that were in my wifes wallet and purse. To no surprise, this is also another example of XXXX  forsaking ( or abandoning ) me of XXXX services while still charging me for its services. Keep in mind- for XXXX  to be charging me for its services that are not being provided to me can be considered as stealing by XXXX. Just think about it! Therefore, reporting the credit card fraud to XXXX  should have more than satisfied any requirement for me having to speak with a XXXX XXXX agent. So, are you now telling me that XXXX can not communicate orally with its other XXXX  departments? If yes, then this is definitely another pitiful excuse for XXXX  to use as a reason for not financially protecting and reimbursing me under the provisions of XXXX XXXX. And for XXXX  to say XXXX XXXX is not a product that prevents fraud transactions is yet another cop-out excuse, especially when considering the financial losses I suffered from the fraud. Thus, all of these excuses about XXXX XXXX by XXXX might very well still be debatable. Therefore, it seems to me that XXXX  should have at least provide its customers with a percentage amount of coverage for credit card fraud in order to make XXXX XXXX a credible source of financial protection. This is because credit cards are just about the same as cash and my wife kept her credit cards in a wallet in her purse. It happened that the daughter-in-law stole the cash-like information for making her credit card fraud transactions from the credit cards that were in my wifes wallet and purse. So, for XXXX  to say XXXX XXXX is not a product that prevents fraud transactions is a statement made entirely out of context by XXXX  as well another excuse that XXXX  can use for denying its customers ( like me ) claims for reimbursement under the provisions of XXXX XXXX. This further proves XXXX  incompetence and lack of credibility in dealing with my situation. Nevertheless, based upon all of my concerns and the inconsistencies associated with XXXX XXXX, please immediately terminate my subscription for XXXX XXXX and delete it from my account! \n\nFourth Paragraph In regards to you taking actions to prevent future contact regarding the status of my account, please understand that is your decision and not my decision. With this in mind, I have another concern about how XXXX  is continuing to exploit me and my wife. This concern also pertains to all of the unauthorized charges that XXXX  is billing me for in the monthly statements. As explained above, keep in mind that my wife and I stopped using the XXXX  credit cards back in XX/XX/XXXX when we first learned about the fraud. And we never activated any of the new credit cards that were issued to us after that time. Except for maybe a couple of things, we havent charged anything on a XXXX  credit card to speak of during that time. In fact, the only charges that I can think of might include a {$20.00} charge in XX/XX/XXXX by my doctors office ( i.e., XXXX XXXX ) and the {$3.00} monthly charge for the farcical XXXX XXXX policy. The reasons for not using the credit cards include : ( a ) The credit card fraud was committed on a second occasion before we ever received the new and final credit cards for our present XXXX  account number ending in XXXX ; ( b ) the way XXXX  Card had forsaken us by prematurely closing its fraud investigation on my account and XXXX  not honoring its so-called protection policies with respect to the fraud and XXXX XXXX ; and ( c ) then XXXX  making me responsible for all of the unauthorized credit card charges over the past 3 years ( from XXXX through XXXX ). \nDuring the interim of not using the credit cards from XX/XX/XXXX to this present time, the wife and I have been paying cash for all our purchases. This is because we wanted to avoid any chance of the credit card fraud happening to us again. \n\nTherefore, at this juncture and because the wife and I havent been charging anything on the credit cards for about 3 months now, the balance on our XXXX  statements should show only the charges that were made by us from XX/XX/XXXX to this present date. Instead, the XXXX  statements show the total amount of unauthorized charges plus accumulated interest, without providing descriptions of the transactions from the past 3 years. Therefore, I think this kind of accounting is both unfair and unreasonable in that it is being used more as a form of intimidation and harassment against me, especially in my situation of being a victim of the fraud. This is also evidenced by the fact that XXXX  is persistently, wrongfully, and unjustly making me responsible for paying all of the unauthorized charges, plus interest, that are still being disputed at this time. Thus, XXXX  persistence is contributing more to XXXX  acts of elder abuse against me. Because of this, combined with all of the other ways by which XXXX has forsaken and disrespected me, I have no other choice but to develop and abide by my own statement of XXXX  Card charges from which I will pay XXXX  in accordance with. And my proclamation for accomplishing such task is as follows : Now, Therefore, Let It Be Known that I, XXXX XXXX XXXX, by maintaining my own statement of XXXX  charges I do not intend to beat XXXX  out of any money due and owing to XXXX  and, on the other hand, I do not intend to pay XXXX for any goods or services that were not provided to me, which includes those unauthorized charges that are currently in dispute. \n\nFifth Paragraph At this time, I do not have any more concerns to bring to your attention. However, rather than orally submit any other concerns to you by telephone, I will continue to submit them in writing in order to avoid any confusion, misunderstanding, or ambiguity as well as for record purposes. \n\nRespectfully, XXXX XXXX Enclosures Copy of letter received from XXXX  dated XX/XX/XXXX Copy of letter received from XXXX  dated XX/XX/XXXX Copy of letter sent to XXXX  on XX/XX/XXXX Copy To : A copy of this letter is being sent to the U.S. Department of Justice because based upon information provided on the internet about the National Elder Fraud Hotline, which is managed by the Office for Victims of Crime ( OVC ), the Fraud Hotline does not have a public-facing mailing address for filing complaints ; it is primarily designed for telephone support ( XXXX or XXXX ). For formal correspondence with the U.S. Department of Justice ( DOJ ), the mailing address is : U.S. Department of Justice XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. \nAlso, at this time I need your help more than ever now because I have been receiving unwanted calls from an entity named XXXX on my telephones Caller ID ( XXXX ) saying they can reduce my debt. But I have not answered any of their questions for fear of XXXX using my information for committing more fraud against me. Please advise. \n\nFor making payments to XXXX  : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX","date_sent_to_company":"2026-03-29T16:40:30.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"77084","tags":"Older American","has_narrative":true,"complaint_id":"20757242","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2026-03-29T15:56:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Respectfully, XXXX XXXX Enclosures <em>Copy</em> of letter received from XXXX  dated XX/XX/XXXX <em>Copy</em> of letter received from XXXX  dated XX/XX/XXXX <em>Copy</em> of letter sent to XXXX  on XX/XX/XXXX <em>Copy</em> To : A <em>copy</em> of this letter is being sent to the U.S."],"issue":["Problem with a purchase shown on your <em>statement</em>"]},"sort":[10.433696,"20757242"]},{"_index":"complaint-public-v1","_id":"7015403","_score":9.80871,"_source":{"product":"Debt collection","complaint_what_happened":"Without prejudice, the company HomeLoanServ is and has been harassing me for the past 3 years in regards to a mortgage loan and are now attempting another foreclosure attempt on my property if I do not pay them within the next 35 days. I have claimed fraud in the past and have now compiled enough evidence for the Consumer Financial Protections Bureau to hold an investigation, proving without a shadow of a doubt, the company has been extorting me, and now that I have recently completed my investigation that my assumptions regarding the company were true, I have evidence from the State that the company, never has infact held any perfected, legal, legitimate interest in the property, and that they do not in fact have any interest in the property by proxy. The company is practicing predatory lending, unaccredited, and is part of a large web of organized, white collar criminals, preying on innocent homeowners with fraud for profit. \n\nI have contacted, and confirmed with the Texas Secretary of State UCC office, and they have no perfected lien filed, no UCC Filing Statements filed, and nothing recorded at the county level in XXXX XXXX XXXX XXXX XXXX XXXX, and HomeLoanServ has no record of any debt recorded under my name, or property and this entire time I have been terrorized, family ruined, unable to work and, I have been scammed, and my entire life turned upside down on a fraudulent real estate transaction by predatory lenders, as a first time homeowner. \n\nThe company HomeLoanServ conspired to trick me into an unlawful agreement and consent, and has made their claim of interest towards the property merely by invasively accessing my tax records before I could, stating they are paying the taxes as part of escrow, but when I visited the tax office in person in downtown XXXX, Texas, the clerk said to me anyone can pay the taxes but that does not give them any rights to the property. This one deceptive action is what made me believe they had interest when they never did. \n\nThe company has stolen my identity and used my information, and accessed my information to infiltrate these various organizations to appear to be my mortgage company, but this was all done in complete fraud and used as a way to attempt to swindle me out of my property. When I questioned them, and protested, and disputed the amount, I was met with threats of foreclosure, and given I was not familiar with real estate that much, I was terrified and was then their slave. The amounts fluctuated, the terms adjusted, but I was a XXXX. This caused me great anxiety and stress and ultimately caused me to lose everything, my family, my career, and my physical and mental health. \n\nThe company HomeLoanServ, has repeatedly sent me documentation claiming that they are the legitimate lender, mortgage servicing company, and now they are claiming to be a debt collector. \nThe company is acting in fraud and using deceptive practices to intimidate me and try to force me into foreclosure again. They attempted to foreclose on the property in the past Notice of Foreclosure, forging documentation Assignments, using fake names, and people XXXX XXXX and are trying again and I can not deal with this anymore. I had no choice but to try and work with the company because I was a first time homebuyer and had no idea how the process worked but now I am aware of my rights, and the fraud that has taken place and I am notifying the Consumer Financial Protections Bureau, the Federal Trade Commission, and all government and regulatory agencies of this company and the crimes that they have committed against me and authorizing immediate administrative enforcement for the crimes committed and a detailed report regarding the findings, including but not limited to, the investigation notes, a forensic analysis of the documentation presented by both parties, and the final determination. Under The Fair Debt Collection Practices Act As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) I am attaching evidence of 1 ) mail fraud, 2 ) forgery, 3 ) falsifying documentation, 4 ) harassment, 5 ) backdating documents, 6 ) defamation of character, 7 ) fraud for profit, 8 ) extortion, 9 ) trust fraud, 10 ) bifurcation, 11 ) deprivation of rights, 12 ) malfeasance in office, 13 ) numerous banking crimes, 14 ) Notary fraud, 15 ) mortgage fraud, dozens of Uniform Commercial Code Violations, USC violations, and the Fair Debt Collection Practices Act, specifically : *802 Congressional findings and declarations of purpose ( a ) Abusive practices.\n\n*805 Communication in connection with debt collection ( c ) Ceasing communication *806 Harassment or Abuse, *807 False or Misleading representations, *808 Unfair practices, *809 Validation of debt *821 Furnishing certain deceptive forms The company is to verify or dispute all the allegations made regarding the violations and any allegations therein of this Admissions Requests. This will serve as the best way to verify the complaint.\n\nNo signed contract exists between I and HomeLoanServ and they shall have no contract, and never will, and they, along with their parent shell company, Idaho Housing and Finance Association, and the original lender XXXX XXXX XXXX XXXX XXXX XXXX ( fraud ), and the XXXX XXXX XXXX  XXXX, conspired against the first time homebuyer in fraud for profit. \nAdmit, I was a victim of fraud and tricked into paying for a property I had already owned as collateral to issue out any security interest.\n\nAdmit, I was fooled and lied to at closing by the title company, and not provided full disclosure to the contract and the entire transaction was made to discriminate against me with improper grammar, syntax errors, misleading language, illegal provisions. \nAdmit, the company HomeLoanServ only mails generic letters, none of which are signed by an actual member of staff, meaning, none of the documentation is authenticated and is not enforceable by law in any court or jurisdiction. \nAdmit, none of my considerations, requests, questions, or concerns in the many letters I have written are addressed or answered by a member of the company with a name and signed. \nAdmit, if HomeLoanServ and I did have a securities interest contract ( which we dont ), this would be a breach of the contract, thus making it void in the first place. \nAdmit, breach of contract occurs whenever a party who entered a contract fails to perform their promised obligations. Due to the frequency of breaches of contract, a robust body of law has grown to resolve the ensuing disputes. \nAdmit, the overarching goal of contract law is to place the harmed party in the same economic position they would have been in had no breach of contract occurred. As a result, the default remedy available for a breach of contract is monetary damages. \nAdmit, consideration is a promise, performance, or forbearance bargained by a promisor in exchange for their promise. Consideration is the main element of a contract. Without consideration by both parties, a contract can not be enforceable. For instance, if a person used the money to purchase an apple, the apple is the merchants consideration, and the money is the persons consideration. \nAdmit, I does not and have not consented to any of the offers of fraud, only by being lied to, threatened, fooled, and force and given there is no statute of limitations on fraud, any implied, perceived, tacit, stated or unstated agreement that we may have had, made in fear, ignorance, or through deceptive means and fraud, is now, and forever void, and retracted. \nAdmit, the company, HomeLoanServ has stolen thousands of dollars from I, on a lie and stolen government funds from programs designed to assist homeowners in their time of need.\n\nAdmit, ANY contract that may have been assigned illegally, under the table, is now voided.\n\nAdmit, I has requested a perfected lien numerous times over the past few years and never received one, and if the Consumer Financial Protections Bureau is unable to get one, then your office has no choice but to rule in my favor or you will be in malfeasance in office, willfully negligent, and you will be aiding and abetting criminals against the United States of America, which is Treason, and violating your oath which is perjury. \nAdmit, a UCC Financing Statement : Perfection can be obtained by a creditor by filing a UCC Financing Statement with the Secretary of State. \nAdmit, a qualified financing statement should include : Debtor and secured partys name, Collateral describing, and A creditor or other person authorized by the debtor in their security agreement files it.\n\nAdmit, the company HomeLoanServ has not provided a qualified financing statement.\n\nAdmit, if there are some errors or omissions that do not comply with the above requirements of the UCC, the financing statement may still be effective unless such mistakes make the statement substantially deviating and seriously misleading. \nAdmit, as the only party in possession and control of the property, I, I, solely hold the only perfected security interest and reserve all my rights to the property at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas, XXXX. \nAdmit, the company HomeLoanServ conspired and stole, and forged the Notes, and forged Is name on the Note, in company of the other predatory lenders that will be filed on it as well.\n\nAdmit, the company HomeLoanServ, has acted as though they are the 1. mortgage company and 2. the mortgage servicers and 3. Debt collector. ( see attachments ) Admit, when the property was attempted to be foreclosed on I, HomeLoanServ was nowhere to be found on the documentation as a debt collector and they used another debt collector, XXXXXXXX XXXX XXXXXXXX. \nAdmit, HomeLoanServ is an out of state company as a shell company to evade liability, using deceptive trade practices named Idaho Housing and Finance Association. \nI confess that I have paid them but it was in ignorance and fraud and under threat and duress in fear of losing my home and having numerous correspondences requesting authenticated statements of accounting and all those actions were made in fraud. \nAdmit, the company HomeLoanServ attempted to make I actually sign a promissory note, during a loan modification, notarized in an attempt to give them interest in the property.\n\nAdmit, the company HomeLoanServ has stolen my identity and made bonds in the background utilizing my information using my trust information.\n\nAdmit, the company HomeLoanServ has also committed fraud against the government by taking my online payments and taking the payment coupons as well and redeeming them, essentially double dipping the payments and pocketing the money.\n\nAdmit, the company HomeLoanServ has not reported all earnings to the Internal Revenue Service for the payments I have made and the bonds created to my knowledge from the numbers that have been missing or wrong. \nAdmit, under UCC 3-104. NEGOTIABLE INSTRUMENT. ( a ) Except as provided in subsections ( c ) and ( d ), \" negotiable instrument '' means an unconditional promise or order to pay a fixed amount of money, with or without interest or other charges described in the promise or order, if it : ( 1 ) is payable to bearer or to order at the time it is issued or first comes into possession of a holder ; ( 2 ) is payable on demand or at a definite time ; Admit, under protest, threat and duress, I sent the company a conditional acceptance letter and a negotiable instrument as tender of payment coupon from their mortgage coupon for the value of {$420000.00} ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) in error, in an attempt to pay the debt, certified mail that was endorsed on the back to cover the alleged loans, and requested that they either accept it or send it back and it was accepted and not returned. \nAdmit, I sent another negotiable instrument as a tender of payment coupon from their mortgage booklet for the value of {$200000.00} ( XXXX XXXXXXXX XXXX XXXX XXXX ) certified mail, return receipt, with a conditional acceptance contract that I signed and notarized and was delivered certified mail, with a return receipt sign accepting the payment and the offer, in order to have them cease all harassment. \nAdmit, according to UCC 1-308.\n\nAdmit according to UCC 3-603.\n\nAdmit, if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. \nAdmit, numerous attempts were made to tender payment the company in fear and arranged for them to be paid off to get the company out of my life because I did not have enough time to think of a better strategy to prevent them from attempting to steal my home again and the payment coupon was accepted with the contract and they kept the payment coupons. \nAdmit, the company HomeLoanServ redeemed both coupons and still turned around and asked me to pay them or they will foreclose on my property instead of updating their accounts.\n\nAdmit, the company HomeLoanServ is to complete a \" Request for an accounting '' Admit the company HomeLoanServ is to complete a \" Request regarding a statement of account ''.\n\nAdmit, I has sent letters requesting they cease and desist and they ignore the letters and continue to harass me and I have all the scanned copies attached, along with the envelopes and postmarks.\n\nAdmit, the company, HomeLoanServ has yet to produce not one single shred of evidence that can be authenticated by a member of staff or the executive team, verified by Notary, and enforceable by the government or any court to prove that we have a financial relationship.\n\nAdmit, HomeLoanServ works by using intimidation and fear by filing frivolous foreclosure nonjudicial documentation with XXXX XXXX XXXX that does not verify the information. \nAdmit, the company had a member of their team, pose as a member of another company and had their own XXXX, XXXX XXXX, notarize the Assignment document, which is fraud. \nAdmit, the only thing that HomeLoanServ can provide are forged, unsigned, unauthorized, doctored, falsifying documentation, which serves more than anything else that they are a fraudulent company and conspiring with the other parties to drain my trust and to steal the property after writing bonds against the trust. \nAdmit, the company HomeLoanServ is not even registered to do business in Texas. \nAdmit, the company HomeLoanServ is not accredited according to the XXXX XXXX XXXX which means they have no business even attempting to engage in lawful commerce with the consumer protected by the Consumer Financial Protections Bureau, and now that the agency has been notified, it is the duty of the investigative staff and the Director, XXXX XXXX, to do an investigation into this company and ensure that the proper enforcement action is taken to protect consumers from them in the future. \nAdmit, the company HomeLoanServ, has an F rating with the XXXX XXXX XXXX\n\nAdmit, the company HomeLoanServ has literally sent I, numerous letters to intimidate me in the last 7 days, with different amounts due. \nAdmit, the company HomeLoanServhas no rights to the property and is threatening the property owner with foreclosure. \nAdmit, the Company, HomeLoanServ stole money from the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. \nAdmit, none of the numbers add up and the accounting is in two separate ledgers, one for HomeLoanServ and one for Idaho Housing and Finance Association. \nAdmit, the starting balance on the company HomeLoanServ accounting is not the same as the amount on the contract I signed according to their ledger. \nAdmit, the Statement of Account was sent certified mail, return receipt, notarized, addressed to HomeLoanServ Chief Executive Officer, XXXX XXXX XXXX XXXX, and the next week I received a threat of foreclosure. \nAdmit, if the consumer notifies the debt collector HomeLoanServ in writing within the 30-day period described in 209 CMR 18.20 ( 1 ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. \nAdmit, a debt collector shall provide to a consumer or any attorney for a consumer within five business days the following : ( a ) All papers or copies of papers and electronic records, in the possession of the debt collector which bear the signature of the consumer and which concern the debt being collected ; and ( b ) A ledger, account card, or similar record in the possession of a debt collector, whether paper or electronic, which reflects the date and amount of payments, credits, and charges concerning the debt.\n\nAdmit, the failure of a consumer to dispute the validity of a debt under 209 CMR 18.20 may not be construed by any court as an admission of liability by the consumer.\n\nI am ordering for an immediate investigation of the facts presented and for the company to confirm or deny each matter. After they respond and confirm, if they are found to be in fraud, I am ordering that the Consumer Financial Protections Bureau file handle the matter against the company, with the appropriate enforcement actions.","date_sent_to_company":"2023-05-24T03:44:54.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"77373","tags":null,"has_narrative":true,"complaint_id":"7015403","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Idaho Housing And Finance Association","date_received":"2023-05-24T02:24:27.000Z","state":"TX","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["Admit, the company HomeLoanServ conspired and <em>stole</em>, and forged the Notes, and forged Is name on the Note, in company of the other predatory lenders that will be filed on it as well.\n\nAdmit, the company HomeLoanServ, has acted as <em>though</em> they are the 1. mortgage company and 2. the mortgage servicers and 3."]},"sort":[9.80871,"7015403"]},{"_index":"complaint-public-v1","_id":"11633970","_score":9.501974,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Appeal for Review of Fraud Claim Denial Case No. XXXX Introduction I am appealing Chase Banks denial of my fraud claim totaling {$5600.00}. XXXX XXXX, my bookkeeper, forged my signature to initiate unauthorized transactions. ( For context, prior transactions to XXXX XXXX were limited to a consistent $ XXXX  monthly over three consecutive months, making these larger, irregular transactions an anomaly that should have triggered further scrutiny. ) She stole Money in XXXX and XX/XX/XXXX ; transactions were XXXX. XXXX was not authorized to make such transactions at any time. To cover her actions, she falsely claimed that external hackers were responsible, presenting forged receipts and fabricated evidence to Chase. \nThese two narratives can not both be true : the transactions can not be both authorized by me and the result of external hacking. Despite overwhelming evidenceincluding forged receipts, fabricated police reports, fake XXXX account numbers, contradictory statements, and even a public cease-and-desist order issued by the Minnesota Board of Accountancy against XXXX XXXXChase sided with her false claims over my documentation as a client of 20 years. \nChases failure to investigate the clear contradictions in her claims or verify her fabricated evidence demonstrates gross negligence. The documentation I submitted irrefutably proves that these transactions were fraudulent, unauthorized, and the result of deliberate and calculated fraud. \nCore Argument : Contradictions and Negligence 1. Forgery and False Claims : XXXX XXXX forged my signature and claimed the transactions were authorized. She simultaneously told me the charges were fraudulent and caused by hackers forging my signature. These contradictions were central to her deception. \n2. Falsified Evidence : What She Submitted to Chase : XXXX XXXX submitted forged Square receipts with my fake signature to Chase, claiming the transactions were authorized. \nWhat I Submitted to Chase : I provided Chase with identical copies of these receipts, which XXXX XXXX had sent to me while claiming they were created by hackers forging my signature. I also submitted the following fabricated materials that she provided : A fake XXXX account number and complaint number. \nFabricated police report numbers and erroneous police department contact information. \nProof in the form of emails ( and contact information for the investigator XXXX XXXX ) that this woman was under investigation by the Minnesota Board of Accountants Fraudulent claims of hacking. \n3. False Reimbursement Claims : XXXX XXXX repeatedly told me that Chase was reimbursing the charges, which Chase later confirmed was untrue. This blatant lie could have been easily verified by Chase. \n4. Chases Failure to Stop Transactions : On XX/XX/XXXX, I reported fraud to Chase and stated unequivocally that XXXX XXXX was not authorized to make such transactions. Despite this, they allowed a {$4000.00} transaction to go through, even though it was flagged as fraudulent and pending. \nMy initial report to Chase at the XXXX branch was vague because I had not yet been able to contact XXXX XXXX. Later that day, when I reached her, she claimed she had been hacked and that external parties were responsible for forging my signature. Taking her claim at face value, I reaffirmed the fraud at the XXXX branch. Despite this, Chase allowed the first {$4000.00} transaction to process. \nOn XX/XX/XXXX, Chase allowed another {$4000.00} transaction to remain pending on the same compromised account. Phone representatives repeatedly insisted this was the same transaction as the first, which was incorrect. I had to intervene in person to stop the second {$4000.00} transaction from being processed. \n5. Incorrect Advice from Chase Representatives : Chase representatives at the XXXX branch, including XXXX, told me that changing my debit card would prevent further fraudulent charges. I suggested closing or compromising the account but was advised against it. As a result, the first {$4000.00} transaction went through, despite their assurances that it would not. \nPolice Investigation Updates This matter is currently under investigation by : 1. XXXX XXXX XXXX XXXX XXXX, Minnesota ( Case Number : XXXX ), with assistance from the XXXX Police Department. \n2. XXXX Police Department, Arizona : Report Number : XXXX. \nDetective XXXX XXXX oversees this case alongside the XXXX XXXX XXXX XXXX XXXX. \nThese ongoing investigations underscore the seriousness of the fraud committed by XXXX XXXX and further demonstrate Chases failure to act appropriately when presented with overwhelming evidence. \nRequest for Resolution I respectfully request the OCC to : 1. Require Chase Bank to reimburse the full {$5600.00} lost due to their negligence in handling my fraud claim. This directly violates their definition of fraud, which includes unauthorized use of an account by a third party or forged signatures. \n2. Conduct a thorough review of Chases policies and practices to ensure better handling of fraud claims in the future. \nXXXX XXXX XXXX XXXX XXXX : Email correspondence from XXXX XXXX where she falsely claims hackers forged my signature and includes fabricated XXXX receipts. \n2. XXXX XXXX : Text messages where XXXX XXXX claims to have been hacked and references fraudulent refunds. \n3. XXXX XXXX : Email from XXXX XXXX with claims of fraudulent charges from the XXXX, fake XXXX account numbers, and fabricated police contact details. \n4. XXXX XXXX : Fabricated Square account and complaint numbers and false police report information. \nXXXX. XXXX  XXXX : Forged documentation where XXXX XXXX claims Chase mandated her to send a refund. \nXXXX. XXXX XXXX : Screenshot of a second {$4000.00} pending transaction after the fraud was reported. \nXXXX. XXXX XXXX : Correspondence with XXXX XXXX from Chase where she advised against closing the account. \nXXXX. XXXX XXXX : Additional fraud documentation sent to XXXX XXXX XXXX \nXXXX. XXXX XXXX : Minnesota Board of Accountancy cease-and-desist order against XXXX XXXX. \nSignature : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX","date_sent_to_company":"2025-01-18T22:25:59.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"863XX","tags":null,"has_narrative":true,"complaint_id":"11633970","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-01-18T22:07:44.000Z","state":"AZ","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Despite this, they allowed a {$4000.00} transaction to go through, <em>even</em> <em>though</em> it was flagged as fraudulent and pending. \nMy initial report to Chase at the XXXX branch was vague because I had not yet been able to contact XXXX XXXX. Later that day, when I reached her, she claimed she had been hacked and that external parties were responsible for forging my signature. Taking her claim at face value, I reaffirmed the fraud at the XXXX branch."]},"sort":[9.501974,"11633970"]},{"_index":"complaint-public-v1","_id":"5190180","_score":9.448777,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX is intentionally, illegally, fraudulently reporting incorrect, inaccurate, information to the consumer reporting agencies. And the consumer reporting agencies are intentionally, illegally, fraudulently reporting this inaccurate, incorrect information without verifying the information first. I have disputed these 2 XXXX accounts for the last 2 years with no resolution from XXXX, XXXX, XXXX, Transunion or XXXX. I first learned about XXXX in XXXX and immediately contacted them and the consumer reporting agencies to find out who they were and why they just added to new open accounts from XX/XX/XXXX. I never signed a contract with XXXX. I never borrowed any money or took out a loan with XXXX. I never authorized XXXX to run my credit or report anything to my credit. I never provided XXXX with my personal information in an effort to open any new accounts or take out any loans. Therefore, they are intentionally, knowingly, fraudulently stole my identity in an effort to collect on a debt that they do not rightfully own. I never received any written correspondence from XXXX via U.S Mail advising that they were a collection agency or debt collector when they originally claimed to acquire the debt in XXXX. Therefore, I began disputing and appealing these 2 accounts with the consumer reporting agencies and XXXX. The consumer reporting agencies just kept stating that the debt was verified by XXXX. I requested proof of the verification and a copy of the investigation. I have not received anything from the consumer reporting agencies to date. XXXX continues to send me copies of billing statements that they have generated and not the actual validation of debt, proof of ownership, proof of purchased debt, proof of certificate that verifies that they can legally collect on a debt in my State. Besides, XXXX continues to argue that this debt originated from my attendance or enrollment at XXXX XXXX XXXX in XXXX. However, I never attended XXXX in XXXX. After doing my own research, I learned that these loans originated from XXXX XXXX and was transferred to XXXX ( XXXX ) when the loans defaulted in XXXX. I've never made a payment on these accounts so even if the debt was valid, it's been more than 7 years so the Statue of Limitations was exceeded in XXXX. XXXX knowingly, intentionally, fraudulently re-aged the debt and reported it to the consumer reporting agencies in an effort to collect on a debt that they don't own. THAT'S FRAUD! They reported this debt as if they were the original creditors from XXXX! THAT'S FRAUD! They've been reporting paid as agreed, on time, never late even though I've NEVER paid them anything NEVER! Once they saw that I wasn't given in to them, they reported the account 90 days late for XX/XX/XXXX and 120 days late for XX/XX/XXXX. THIS IS FRAUD! XXXX IS FRAUDULENT! I NEVER gave XXXX, XXXX, XXXX, XXXX or TransUnion any verbal or written consent to report anything on my consumer report. No consent is IDENTITY THEFT! A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party! 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. SO I DEMAND DELETION OF ALL XXXX REPORTED ACCOUNTS EFFECTIVE IMMEDIATELY! I sent the following correspondence to XXXX and they have NEVER completed and sent the correspondence back to me. Validation of a Debt Request Pursuant to 15 USC 1692g. BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for XXXX made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 60 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. The Following information is required. Please fill out the form below in its entirety. Name and address of Alleged creditor : Name on file of alleged debtor : Alleged Account # : Address on file for alleged debtor : Amount of alleged debt : Date this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to a debt collector or purchased? ____ No ____Yes Amount Paid if debt was purchased : Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this alleged debt. \nSigned agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. \nAny agreement that bears the signature of Debtor, wherein agreed to pay Creditor. \nAll statements while this account was open, including all charges, fees, interest accrued, payments and credits. \nHave any insurance claims been made by any creditor regarding this account? \nYes No Have any Judgements been obtained by any creditor regarding this account? \nYes No Please provide me the name and address of the bonding agent for COLLECTION COMPANY NAME, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter. \nYour Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.\n\nPlease allow 60 calendar days for processing after I receive this information. \n\nNOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT # XXXX To Whom It Might Concern : I have requested that you validate the alleged debt that you claim that I owe, and all you have provided me with are excuses, statements and partial account history for accounts that you can NOT prove are mine or prove that you have the legal right to collect on the debt! \nYou have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 ( g ) - Failure to validate this alleged debt. \nI refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. \n15 USC 1692c ( c ) Ceasing communication - If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. \nProper validation of this alleged debt was NOT provided to me within 30 calendar days of receiving my last request dated for XX/XX/XXXX so Im now assuming that this alleged debt is fraudulent and invalid and therefore, you shall submit to myself and all consumer reporting agencies within 72 hours upon receipt of this letter, in writing, on company letterhead, via US Mail that ALL of the accounts should be deleted effective immediately and stop ALL collection activities regarding these accounts. \nFurthermore, you do NOT have any jurisdiction or authority to even collect on these alleged debts. \nFDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall : ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. \n( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. \nBy the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15 USC 1692 even further, just keep in mind that an attorney can NOT be a debt collector and a debt collector can NOT be an attorney. \nFDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may NOT use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. \nWith all that was said above, for EACH VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court XXXX allow, but not exceeding {$1000.00}. \nI recently received a copy of my XXXX, XXXX and TransUnion consumer reports and I noticed that youre still reporting some late payments from over 7 years ago AND for the current year for XXXX - XX/XX/XXXX, they are as follows : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include : subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX Making the report is not INCLUDED on my Consumer report! \nA Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. \nYou have XXXX calendar days to update my Payment history and/or delete all late payments from the below account : Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Denial of Credit Approval from other lenders due to false & illegal reporting Decreased credit ratings Time spent repairing, updating and monitoring credit Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Your Options are as follows : Delete this account and cease and desist with all collection activities ; Close ALL account, credit all balances to {$0.00}, report NEVER late, remove all negative history; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more accrued damages. \n\nPlease accept this letter as my request to receive a FREE, FULL, COMPLETE, PRINTED COPY OF MY Consumer Report AND Score! I am DEMANDING that you MAIL me a FREE, FULL, COMPLETE, PRINTED COPY OF MY CONSUMER REPORT AND SCORE! \n\nPlease also accept this letter as notice and confirmation that I hereby OPT OUT and do NOT wish to resolve any disputes with XXXX, Transunion, XXXX, XXXX or XXXX through arbitration. Again, I reject the arbitration clause in the Transunion, XXXX, XXXX XXXX and XXXX interactive service agreement. \n\nI, NEVER gave XXXX, Transunion, XXXX, XXXX or XXXX any verbal or written consent to report anything on MY consumer report. NO consent is IDENTITY THEFT! A copy of the law is attached with this dispute. You also do NOT have any permissible purpose to furnish my personal information to any third party. Therefore, I DEMAND you to immediately CEASE & STOP ALL information collection, sharing, selling, marketing, soliciting, purchasing of my personal information with ANY AND ALL 3rd party agencies! DO NOT COLLECT, SHARE, MARKET, SOLICIT, PURCHASE OR SELL ANY OF MY PERSONAL INFORMATION TO OR FROM ANY 3RD PARTY AGENCY! \n\n15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. \n\nI am requesting to PERMANENTLY OPT OUT of prescreened offers! I AM DEMANDING THAT MY NAME, ADDRESS AND ANY OTHER PERSONAL INFORMATION ABOUT ME BE DELETED AND SUPPRESSED FROM YOUR FILES AND EVERY 3RD PARTY AGENCY THAT YOU HAVE PREVIOUSLY SOLD, SHARED, COLLECTED, MARKETED OR PURCHASED FROM EFFECTIVE IMMEDIATELY! I AM DEMANDING TO BE PERMANENTLY OPTED OUT OF PRESCREENED OFFERS EFFECTIVE IMMEDIATELY! I DO NOT GIVE YOU PERMISSION TO CONTACT ME VIA PHONE OR EMAIL. DO NOT STORE ANY PHONE NUMBERS OR EMAIL ADDRESSES. ALL CORRESPONDENCE SHOULD BE SENT VIA US POSTAL MAIL ONLY. Thank you so much in advance for updating and noting my account with these details immediately upon receipt of this notice. DELETE EVERY ACCOUNT FROM ALL SOURCES AND ALL THIRD PARTY REPORTING AGENCIES! DELETE ALL PERSONAL INFORMATION, DELETE ALL BALANCES! DELETE ALL REPORTING ACCOUNTS, DELETE ALL PHONE NUMBERS, DELETE ALL EMAIL ADDRESSES, DELETE ALL RECORDS OF THESE FRAUDULENT ACCOUNTS! SEND ME A CHECK FOR {$100000.00} FOR STEALING MY IDENTITY AND COMMITTING FRAUD!","date_sent_to_company":"2022-02-06T09:54:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60707","tags":null,"has_narrative":true,"complaint_id":"5190180","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-02-06T04:54:14.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["NOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT # XXXX To Whom It Might Concern : I have requested that you validate the alleged debt that you claim that I owe, and all you have provided me with are excuses, <em>statements</em> and partial account history for accounts that you can NOT <em>prove</em> are mine or <em>prove</em> that you have the legal right to collect on the debt!"]},"sort":[9.448777,"5190180"]},{"_index":"complaint-public-v1","_id":"5858577","_score":9.445246,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XXXX Re : XXXX XXXX XXXX Money Network My name is XXXX XXXX XXXX, also known as XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX and I am filing this complaint against Money Network also known as XXXX Bank. \n\nI am XXXX years old. \n\nI have never been arrested. \n\nI do receive social security ( {$2000.00} ) every month and I also work because I have to in order to cover my overhead and expenses. \n\nIn XXXX of XXXX a stimulus check of {$1400.00} was sent out to XXXX XXXX XXXX and I never received mine. \n\nI reported the missing check to the IRS in XXXX and they put a trace on it but no information was ever given to me. No communication about the missing check from the IRS. \n\nMy daughter was also sent a {$600.00} stimulus check in the form of a debit card in XXXX of XXXX, which she never received and had no knowledge that it was sent. \n\nWe both live at the same address XXXX XXXX XXXX, XXXX XXXX CA. XXXX. \n\nXX/XX/XXXX my daughter and I spoke to an IRS agent by the name of Mullillins # XXXX who told us both that we had to call XXXX Bank XXXX Money Network about debit cards that were sent to us and that the IRS could not help us. \n\nSince Im not great with technology and VERY hard of hearing, I left it to my daughter to call XXXX Bank / Money Network. \n\nIt took her a couple of months to figure out how to get through to speak to an actual person. She had to contact their support on their website and they sent her instructions. \n\nActual Instructions : IF YOU DONT HAVE CARD call XXXX XXXX XXXX to speak to a live rep : choose a language, option 2 for lost or stolen, option 1 for card received ( even if you did not receive a card ), last 6 of your social, zip code, option 1 for does not require a replacement ( do not select option 2 as that will generate a card to an old address ) then it will say please hold the line for next available agent. \n\nBefore my daughter received an email with these instructions from their support, she would call the number click on customer service and then a recording would come on thanking her for calling money network and disconnect the call. \n\nAt any rate, we finally got through in XX/XX/XXXX and my daughter and I both learned from money network customer rep. that my daughters card was taken to a Bank XXXX XXXX in XXXX XXXX XXXX to their ATM and the entire {$600.00} was taken off the card. \n\nMy card was also stolen but the thief used the card to go to XXXX XXXX XXXX XXXX, pay on a storage unit, bought gas at XXXX, another restaurant, I think it was XXXX XXXX and XXXX, and I think that was all of the transactions. \nThen they took the rest of the balance off the card in cash. \n\nI NEVER received the card thus NONE of those transactions were mine. \nEven though I told Money Network this several times over the phone, emailed their paperwork back to them with my statement that I DID NOT receive the card and NONE of the transactions were mine, I had to say this over and over and over. \n\nMy case # with money network / XXXX bank is : Case ID : XXXX AND..VERY IMPORTANT, when money network initially took my information over the phone and then told both my daughter and I that we would receive paperwork to file our dispute ( that we never received the cards ) we did receive their paperwork by that Saturday INCLUDING A SEPARATE LETTER THAT SAID THEY WERE REJECTING OUR CLAIM. \n\nAnd we hadnt sent the paperwork back yet! \n\nMy daughter called them immediately to ask what was going on. They apologized and said that the same thing had happened to many other people as well. That we were NOT the only ones. \n\nThat the agent ( XXXX XXXX did NOT put in any details of the information we told her and thats why it was rejected. \n\nWe still sent in our paperwork and they told us to wait 4- weeks and my daughter called in XXXX and both claims were rejected again. \n\nWe sent in our statements again via email and asked that they be looked at again. \n\nXXXX we spoke to a customer repXXXX XXXX who told us our claim was denied again. My daughter read XXXX our statements and she could not understand why our claims would be rejected and went to her supervisor who opened both claims up again. And again we had to wait because of their mandatory waiting period of 4-8 weeks. \n\nMy daughter checked back on XXXX XXXX and was told both had been rejected again. She insisted that she speak to someone in the their escalation department. She was on hold for several mins. And spoke to XXXX in escalations that suggested we file a police report. \n\nWhere we live in XXXX XXXX our police station is located on XXXX XXXX not far from us but it had been partially closed down for several months because of the pandemic. \n\nBut we went to the police department, found that they were in full operation again and filed two reports. One on XXXX and another XXXX for mail theft. \n\nOne report XXXX included both of us for {$2000.00} my daughter for {$600.00} and myself for {$1400.00}. \n\nI also filed a separate report for myself for the {$1400.00}. \n\nWe sent both police reports to money network / XXXX bank. \n\nI am happy to send you copies of the police reports. \n\nThe police officer told us that someone from the money network / XXXX bank would call to confirm our information on the report. \n\nTo our knowledge no one called the police department. \n\nAlso important to note that the XXXX XXXX police department confirmed to us that there had been millions of dollars in mail theft in XXXX XXXX and they werent surprised at all that our debit cards hadnt reached their destinations to our address. \nAt any rate my daughter had sent in very detailed statements with time lines and had insisted in talking to the head of the escalation department but could never get that person on the phone. \n\nBut they sent her a letter and a check admitting there was a mistake made and she got her {$600.00}. \n\nBut with my case they have still rejected it. \n\nMy daughter called again on my behalf XXXX and spoke to a man named XXXX in the escalations department and he was very nice and genuinely surprised that : 1 ) my daughter and I live in the same address / apartment 2 ) her card was sent XX/XX/XXXX and mine was sent around XXXX / XX/XX/XXXX and both cards were never received by either of us. \nXXXX ) XXXX bank had finally approved my daughters claim and sent her the missing {$600.00} but would not approve my claim. \nXXXX in escalations recommended that my case be re-opened and approved and my daughter was told to call back 4-8 weeks. \n\nMy daughter did call back a week later to check the status and again spoke to XXXX XXXX the first agent we had spoken to in XX/XX/XXXX who, we were told, did not enter any of the information that we had told her over the phone initially on our first claim thus why our first claim was rejected ) Well XXXX has now been moved to escalations and she was very terse with my daughter and told her to call back in 4-8 weeks. \nMy daughter had a bad feeling and called couple days later and spoke to a customer rep. that confirmed that my case had been rejected again. \n\nWHY? \n\nMy daughter has since called again and again and asked to speak to escalations and head of escalations again to only be placed on hold for three ( 3 ) hours and 45 mins before the call was dropped. \n\nThat leads us to now. Here Today. \n\nI am filing this complaint because I believe XXXX / money network is a XXXX corp. that does what ever they can to NOT pay people the money that is due to them. \n\nThey say on their paperwork that they will give you a reason why your claimed was denied but they never have. \n\nWe gave them ALL of the information we have. \n\nWe cant track down the ring of criminals that committed mail fraud. \n\nAnd it cant be a case of not proving our identities because every time you speak to an agent in customer service AND escalations they can not look at your file and discuss it without you going through a security check where they ask you 3-4 questions provided by the IRS and you have to pass those security questions. \n\nMy daughter and I have done this security check with them now many many many times and we have ALWAYS passed the security tests. \n\nSo.. \n\nWhat do I do? \n\nLike I said.. Im XXXX years old and Im still working because I have to and I could really use the {$1400.00} stimulus money that I never received, that was stolen from me twice. \n\nOnce from the crook her stole the actual debit card and twice from XXXX bank / money network for rejecting my legitimate claim and stealing my money a second time. \n\nIf you have any questions please feel free to reach me directly at XXXX XXXX XXXX. \n\nI am VERY hard of hearing so my daughter XXXX XXXX can also speak to you and answer any questions her number XXXX XXXX XXXX. \n\nI have laid out everything in this statement letter. \n\nIf you would also like to see the statements that I sent Money network / XXXX bank including police reports please advise. I will send to you ASAP. \nMoney networkXXXX  bank has ALL of my statements and copies of both police reports. \n\nWhen my daughter called in to check status on my case she also confirmed with their agents that the emails with statements and police reports had been received by them. \n\nAlso for sake of brevity, I did not include my statements to XXXX XXXX money network because my statement here is exactly what I sent them. See below. \n\nI did NOT receive a debit card. None of those transactions are mine. It is obvious that the card was stolen. \nMy daughter lives with me and her debit card for {$600.00} never made it to our address either. Here are the police reports for mail/ID theft. I repeat .. NONE of those transactions are mine. I never received that debit card. \n\nWhat else can I say? \n\nThank you so much for your time and help with this situation. \nIt means so much to me. \n\nPlease feel free to publish this on your site if you think it will help others. \n\nThank you again, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX","date_sent_to_company":"2022-08-09T08:08:46.000Z","issue":"Problem getting a card or closing an account","sub_product":"Government benefit card","zip_code":"90019","tags":"Older American","has_narrative":true,"complaint_id":"5858577","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FISERV FINXACT CORE","date_received":"2022-08-09T07:45:29.000Z","state":"CA","company_public_response":null,"sub_issue":"Trouble getting a working replacement card"},"highlight":{"complaint_what_happened":["<em>Even</em> <em>though</em> I told Money Network this several times over the phone, emailed their paperwork back to them with my <em>statement</em> that I DID NOT receive the card and NONE of the transactions were mine, I had to say this over and over and over."]},"sort":[9.445246,"5858577"]},{"_index":"complaint-public-v1","_id":"5190181","_score":9.428444,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX is intentionally, illegally, fraudulently reporting incorrect, inaccurate, information to the consumer reporting agencies. And the consumer reporting agencies are intentionally, illegally, fraudulently reporting this inaccurate, incorrect information without verifying the information first. I have disputed these XXXX XXXX accounts for the last 2 years with no resolution from XXXX, Experian, XXXX, XXXX or XXXX. I first learned about XXXX in XXXX and immediately contacted them and the consumer reporting agencies to find out who they were and why they just added to new open accounts from XX/XX/XXXX. I never signed a contract with XXXX. I never borrowed any money or took out a loan with XXXX. I never authorized XXXX to run my credit or report anything to my credit. I never provided XXXX with my personal information in an effort to open any new accounts or take out any loans. Therefore, they are intentionally, knowingly, fraudulently stole my identity in an effort to collect on a debt that they do not rightfully own. I never received any written correspondence from XXXX via U.S Mail advising that they were a collection agency or debt collector when they originally claimed to acquire the debt in XXXX. Therefore, I began disputing and appealing these XXXX accounts with the consumer reporting agencies and XXXX. The consumer reporting agencies just kept stating that the debt was verified by XXXX. I requested proof of the verification and a copy of the investigation. I have not received anything from the consumer reporting agencies to date. XXXX continues to send me copies of billing statements that they have generated and not the actual validation of debt, proof of ownership, proof of purchased debt, proof of certificate that verifies that they can legally collect on a debt in my State. Besides, XXXX continues to argue that this debt originated from my attendance or enrollment at XXXX XXXX XXXX in XXXX. However, I never attended XXXX in XXXX. After doing my own research, I learned that these loans originated from XXXX XXXX and was transferred to XXXX ( XXXX ) when the loans defaulted in XXXX. I've never made a payment on these accounts so even if the debt was valid, it's been more than 7 years so the Statue of Limitations was exceeded in XXXX. XXXX knowingly, intentionally, fraudulently re-aged the debt and reported it to the consumer reporting agencies in an effort to collect on a debt that they don't own. THAT'S FRAUD! They reported this debt as if they were the original creditors from XXXX! THAT'S FRAUD! They've been reporting paid as agreed, on time, never late even though I've NEVER paid them anything NEVER! Once they saw that I wasn't given in to them, they reported the account 90 days late for XX/XX/XXXX and 120 days late for XX/XX/XXXX. THIS IS FRAUD! XXXX IS FRAUDULENT! I NEVER gave XXXX, XXXX, Experian, XXXX or XXXX any verbal or written consent to report anything on my consumer report. No consent is IDENTITY THEFT! A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party! 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. SO I DEMAND DELETION OF ALL XXXX REPORTED ACCOUNTS EFFECTIVE IMMEDIATELY! I sent the following correspondence to XXXX and they have NEVER completed and sent the correspondence back to me. Validation of a Debt Request Pursuant to 15 USC 1692g. BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Experian, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 60 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. The Following information is required. Please fill out the form below in its entirety. Name and address of Alleged creditor : Name on file of alleged debtor : Alleged Account # : Address on file for alleged debtor : Amount of alleged debt : Date this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to a debt collector or purchased? ____ No ____Yes Amount Paid if debt was purchased : Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this alleged debt. \nSigned agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.\n\nAny agreement that bears the signature of Debtor, wherein agreed to pay Creditor. \nAll statements while this account was open, including all charges, fees, interest accrued, payments and credits. \nHave any insurance claims been made by any creditor regarding this account? \nYes No Have any Judgements been obtained by any creditor regarding this account? \nYes No Please provide me the name and address of the bonding agent for COLLECTION COMPANY NAME, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter. \nYour Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. \nPlease allow 60 calendar days for processing after I receive this information. \n\nNOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT # XXXX To Whom It Might Concern : I have requested that you validate the alleged debt that you claim that I owe, and all you have provided me with are excuses, statements and partial account history for accounts that you can NOT prove are mine or prove that you have the legal right to collect on the debt!\n\nYou have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 ( g ) - Failure to validate this alleged debt. \nI refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. \n15 USC 1692c ( c ) Ceasing communication - If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.\n\nProper validation of this alleged debt was NOT provided to me within 30 calendar days of receiving my last request dated for XX/XX/XXXX so Im now assuming that this alleged debt is fraudulent and invalid and therefore, you shall submit to myself and all consumer reporting agencies within 72 hours upon receipt of this letter, in writing, on company letterhead, via US Mail that ALL of the accounts should be deleted effective immediately and stop ALL collection activities regarding these accounts.\n\nFurthermore, you do NOT have any jurisdiction or authority to even collect on these alleged debts.\n\nFDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall : ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.\n\n( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. \nBy the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15 USC 1692 even further, just keep in mind that an attorney can NOT be a debt collector and a debt collector can NOT be an attorney.\n\nFDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may NOT use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. \nWith all that was said above, for EACH VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. \nI recently received a copy of my Experian, XXXX and XXXX consumer reports and I noticed that youre still reporting some late payments from over 7 years ago AND for the current year for XXXX - XX/XX/XXXX, they are as follows : XXXX  XXXX XXXX  XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include : subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX  Making the report is not INCLUDED on my Consumer report! \nA Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. \nYou have THREE calendar days to update my Payment history and/or delete all late payments from the below account : Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Denial of Credit Approval from other lenders due to false & illegal reporting Decreased credit ratings Time spent repairing, updating and monitoring credit Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Your Options are as follows : Delete this account and cease and desist with all collection activities ; Close ALL account, credit all balances to {$0.00}, report NEVER late, remove all negative history; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more accrued damages. \n\nPlease accept this letter as my request to receive a FREE, FULL, COMPLETE, PRINTED COPY OF MY Consumer Report AND Score! I am DEMANDING that you MAIL me a FREE, FULL, COMPLETE, PRINTED COPY OF MY CONSUMER REPORT AND SCORE! \n\nPlease also accept this letter as notice and confirmation that I hereby OPT OUT and do NOT wish to resolve any disputes with XXXX, XXXX, XXXX, Experian or XXXX through arbitration. Again, I reject the arbitration clause in the XXXX, XXXX, Experian XXXX and XXXX interactive service agreement. \n\nI, NEVER gave XXXX, XXXX, Experian, XXXX or XXXX any verbal or written consent to report anything on MY consumer report. NO consent is IDENTITY THEFT! A copy of the law is attached with this dispute. You also do NOT have any permissible purpose to furnish my personal information to any third party. Therefore, I DEMAND you to immediately CEASE & STOP ALL information collection, sharing, selling, marketing, soliciting, purchasing of my personal information with ANY AND ALL 3rd party agencies! DO NOT COLLECT, SHARE, MARKET, SOLICIT, PURCHASE OR SELL ANY OF MY PERSONAL INFORMATION TO OR FROM ANY 3RD PARTY AGENCY!\n\n15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\nI am requesting to PERMANENTLY OPT OUT of prescreened offers! I AM DEMANDING THAT MY NAME, ADDRESS AND ANY OTHER PERSONAL INFORMATION ABOUT ME BE DELETED AND SUPPRESSED FROM YOUR FILES AND EVERY 3RD PARTY AGENCY THAT YOU HAVE PREVIOUSLY SOLD, SHARED, COLLECTED, MARKETED OR PURCHASED FROM EFFECTIVE IMMEDIATELY! I AM DEMANDING TO BE PERMANENTLY OPTED OUT OF PRESCREENED OFFERS EFFECTIVE IMMEDIATELY! I DO NOT GIVE YOU PERMISSION TO CONTACT ME VIA PHONE OR EMAIL. DO NOT STORE ANY PHONE NUMBERS OR EMAIL ADDRESSES. ALL CORRESPONDENCE SHOULD BE SENT VIA US POSTAL MAIL ONLY. Thank you so much in advance for updating and noting my account with these details immediately upon receipt of this notice. DELETE EVERY ACCOUNT FROM ALL SOURCES AND ALL THIRD PARTY REPORTING AGENCIES! DELETE ALL PERSONAL INFORMATION, DELETE ALL BALANCES! DELETE ALL REPORTING ACCOUNTS, DELETE ALL PHONE NUMBERS, DELETE ALL EMAIL ADDRESSES, DELETE ALL RECORDS OF THESE FRAUDULENT ACCOUNTS! SEND ME A CHECK FOR {$100000.00} FOR STEALING MY IDENTITY AND COMMITTING FRAUD!","date_sent_to_company":"2022-02-06T09:54:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60707","tags":null,"has_narrative":true,"complaint_id":"5190181","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-02-06T04:54:14.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["NOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT # XXXX To Whom It Might Concern : I have requested that you validate the alleged debt that you claim that I owe, and all you have provided me with are excuses, <em>statements</em> and partial account history for accounts that you can NOT <em>prove</em> are mine or <em>prove</em> that you have the legal right to collect on the debt!"]},"sort":[9.428444,"5190181"]},{"_index":"complaint-public-v1","_id":"2993365","_score":9.142434,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In early XX/XX/XXXX, I began the mortgage application process with XXXX XXXX  to refinance my home. I currently have a line of credit only on my home and it comes due soon and the payments almost tripled in XX/XX/XXXX ( due to having to start paying down the principle now ) so I need to refinance my home as soon as possible. In the course of working with XXXX, they started to collect my financial information and ordered copies of my credit reports so they could review my credit history. Within a few weeks of starting this process, I became aware of quite a few items on my credit report that did not belong to me ( including several addresses, a second social security number, and a Home Depot store credit card account ) and so I set about trying to clear up these false items so that I could move forward with the mortgage through XXXX. \n\nI want to say that I have not needed to access my credit reports until now because I never before now had an issue when I ( or my ex-husband and I ) went to obtain a mortgage or apply for credit. So, it is only since mid XX/XX/XXXX that I discovered all of these inaccuracies on my credit reports. In addition, the credit reporting agencies could not tell me how long Home Depot had been reporting to my credit history. Its possible they only just started recently in which case, I would not have been aware of this gross violation and, essentially, identity theft. \n\nXX/XX/XXXX I started calling the credit reporting agencies XXXX, XXXX  and XXXX. As I am sure you are aware, trying to communicate with the credit reporting agencies to clear up wrong information is a circus at best. I could not get answers about the erroneous information on my reports but was told they would \" look into it '' and told me to fill out my complaints online. After many MANY emails, phone calls and filing complaints online over the past 8 weeks, I have seen very few changes to my credit reports. I found out that the item that is causing the most harm to me is a credit card account that was titled \" THD/CBNA '' which took me some time ( and many phone calls ) to learn that it is a HOME DEPOT store credit card that was opened in XX/XX/XXXX by XXXX XXXX and that he used me as a named co-signer/joint card holder when he opened the account. The Home Depot card shows that there is {$9400.00} owed and currently has an {$11000.00} line of credit. The account is in good standing. No late or missed payments. However, the amount of this debt and revolving credit on my credit report is preventing me from being able to refinance my home. Additionally, the erroneous addresses, social security number and other accounts all belong to XXXX XXXX ... not to me. \n\nXX/XX/XXXX After receiving and going over my credit reports, I called Home Depot on XX/XX/XXXX ... in fact, I called and called and called trying to get someone to help me. I was told over and over that they couldn't do anything without an account number ( and, even though HD is holding me responsible for this account, they would not share the account number with me. ) When I did get someone that didn't harass me about not having the account number, those customer service people would tell me that too much time had passed and that there was no way they were going to take my name off this account or off my credit report or else they simply told me I was \" crazy '' to think that was possible after 18 years. I explained that I simply had no reason to look at my credit report before now and that I cant even be sure when Home Depot started reporting this to my credit report. I have had very few credit dealings until recently ( I had no credit cards and mortgages were with my ex-husband who handled the house financing, etc while we were married ). I asked them was this their policy? Was there a statute of limitation on investigating fraud?? I told them all about how this man ( XXXX XXXX ) who stole my information was an unsavory man in my past abusive and sneaky and I wasnt all that surprised to find that he had stolen my personal information 18 years ago since he was XXXX XXXX me back then. They simply said over and over they could not help me. I persisted.. \nI asked them to close the account. They refused. They said it wasnt mine to close. \nI asked them to send me a statement. They told me that they could only send statements to the address on file and they would not share that address with me. \nI asked them to send me the original application for credit so I could have the opportunity to review the signatures and prove it isnt my actual signature on it. They said that was impossible because they dont have those documents after so much time has passed. \nI asked them what the OPENING credit limit was that I was supposed to have agreed to be responsible for. They said they didnt have access to that information. \nI asked if they would ordinarily open an account for someone who little or no income at the time with a credit limit of {$11000.00}. They said they no, that was unlikely. \nI asked them to show me paperwork where I agreed to continue to take responsibility for the increasing line of credit. They said they couldnt do that. \nI asked them why I never received a card with my name on it or ANY statements EVER if I am a supposed to be a joint card holder. They didnt know the answer to that question either. \nWhen I asked to speak to a supervisor or someone who handles fraud, they told me that there were \" no phone numbers for those people '' and that I could only write to them and explain my reasons for wanting my name removed from this HD credit card debt and off my credit report. So I wrote the letter. On XX/XX/XXXX I mailed a letter ( I have included a copy with this complaint ) explaining all of this again to this address that they gave me ( where I was told they take no phone calls ) : Executive Response Unit ( ERU ) Presidential Communication XXXX XXXX XXXX XXXX, TN XXXX I never heard from anyone at the ERU. \n\nXX/XX/XXXX XXXX XX/XX/XXXX, I called Home Depot ( and called and called and was transferred many times again they couldnt help me not without an account number ( which they would still never give me because I was not the card holder, etc ) because too much time had passed ( even though they could not provide me such a policy in writing ). I was even told that they had never had a complaint like this before. Really? No one has ever been falsely used as a co-signer on a Home Depot card? Ever? ( It all felt like the movie XXXX XXXX where the medical insurance company made it their policy to deny claims ... EVERY claim EVERY time. ) After finally getting someone on the phone that day who COULD pull up my file and notes ( XXXX in the Security Operations Dept. ) and she told me that she did not see that I sent any sort of letter to them but she COULD see all the notes about my calls and complaint and that there was indeed an investigation. She said that the fraud investigator made notes that he spoke with Mr. XXXX and determined that there is no fraud. It is, in fact, Mr. XXXX card. \nAt that point, I was beside myself. I explained to XXXX that I wasnt disputing that this might be XXXX card I was disputing that I am named as co-signer and joint card holder when I NEVER AGREED TO BE NAMED ON ANYTHING WITH XXXX XXXX. I begged XXXX to help me and hear me out again. XXXX said she wanted to help me and she took down my whole story, I explained to XXXX that this credit card on my credit report is a mistake. I told her ( as I have told at least 15-20 of the 1900 customer care representatives who work for Home Depot Credit Services ) : I have never applied for a Home Depot card. \nI have never had/held a Home Depot card.\n\nI have never charged anything at Home Depot on a Home Depot credit card. \nI have never received any notices from Home Depot. \nI have never received any bills or statements from Home Depot. \nI have never paid a Home Depot bill on behalf of someone else. \nI never received notice of the application. \nI never received notices of increases to the line of credit. \n\nXXXX XXXX had clearly used my name and social security number to open an account that I had not only never agreed to, but also didn't know anything about until now. \nI went on to explain to XXXX that I had a few dates with XXXX XXXX in late XXXX XXXXearly XX/XX/XXXX but quickly realized that he was not a good guy and stopped seeing him. He was very sneaky and I had discovered he lied about almost everything and so I found him to be mentally unstable and scary and so I didn't want to date him any longer. When I broke it off, he was fine at first, but later started to stalk me at work and at my home. ( Although, for some time, I didn't know it was him. ) I also was receiving harassing phone calls at all hours and felt, on several occasions, that someone had been in my house while I was at work. It seemed that things had been moved around but I couldnt prove that anything was missing. At one point, my purse was stolen from my car behind the mall where I worked. Again, I didnt know this was all XXXX XXXX until many months later. \nI found out in early XXXX that I was pregnant. I had been trying to get pregnant by artificial insemination by donor for 18 months so I was not about to terminate this XXXX even though, at that time, I could not be sure that XXXX XXXX wasn't the father. \nI realize that this sounds like a wild story, but it is all true. After my baby was born in XX/XX/XXXX, XXXX begged to be a part of our daughters life and so I made an effort to have a PLATONIC relationship with him for the sake of our daughter. At that point, I didnt know then that XXXX was the one who had been stalking and harassing me. He moved in with me while he looked for a job and a place to live closer to me and the baby. But things quickly went downhill. ( I have attached relevant police reports. ) I went through a lengthy custody battle with XXXX and, after his XXXX evaluation and after I submitted to the court a videotape that I found that next spring of XXXX XXXX our XXXX XXXX old daughter, the judge stripped him of his parental rights and I was able to get on with my life. XXXX XXXX is not a good person. At least he was not a good person back then. I learned during the custody battle that he was the one stalking and harassing me for over a year. I NEVER OPENED A HOME DEPOT CREDIT CARD WITH XXXX XXXX. \nXXXX was the first person to help me at Home Depot Credit Services. In fact, XXXX was the first person to even be kind to me. She said she took down all of my information. She gave me a case number ( # XXXX ) and told me that she would make sure my complaint got into the right hands and that I should hear from someone within a few weeks. XXXX suggested that I try to gather any supporting documentation that would help my case and fax it in to them. She gave me a fax number and stipulated that I put the case number on EVERY page. \nI asked XXXX to please PLEASE put something in writing that I could show to the broker at XXXX so they would see that I was working on removing this erroneous debt from my credit report. At first she said she wasnt allowed to do that but that she would try. She called me back 45 minutes later to tell me that she was drafting a letter and putting it in the mail that day. A few days later, I received that letter stating that HD was investigating the account in question and that, if they found I did not apply for this credit card, they would request that it be removed from my credit reports ( see attached copy ). I was on the phone with HD for over and hour and a half that day. \nI really thought I was finally making progress. I set out that day to gather the copies of police reports, custody suit results and more. That, of course, also took weeks. \n\nXX/XX/XXXX I never heard anything more from Home Depot Security Services but I finally had the police and court records in hand, so I called Home Depot on XX/XX/XXXX to check in on the progress of the fraud investigation and make sure they had received the 19 documents I had just faxed to them. After 4 calls of getting nowhere ( with the I cant help you without the account number, maam, and dont care if you have a case number we cant use that to look up your case, and its too late, we cant help you you realize its been 18 years?! AGAIN ), I got XXXX on the 5th try. XXXX told me that nothing was happening with my case because it was submitted to the WRONG fraud team. ( OMG!!!! ) She said it should have gone to the high dollar investigation team and that she was going to get it to them and re-open the case. She also said that she did not see the fax and I should send it again. Apparently, my fax machine wasnt working correctly, so after work that day, I went to XXXX and faxed the documents again. I did call them the following morning and they confirmed that they had received the faxes. \nAgain, I waited weeks for a call from Home Depot, but heard nothing. \n\nXX/XX/XXXX On XX/XX/XXXX, I went through the usual number of unhelpful customer service representatives until I finally reached XXXX who very cheerily told me that she had my file in front of her and that the fraud investigation team had been working on it and that I should have a determination very soon and that someone from the fraud team would call me within 1 to 2 days. \nNo one called me. \nI took a break from this Home Depot nightmare and was on vacation with my children from XX/XX/XXXX to XX/XX/XXXX. But I had my cell phone with me at all times and Home Depot never did call me. I hoped there would be a letter waiting for me when I returned home with the fraud investigation results. But there was nothing. \n\nXX/XX/XXXX I called Home Depot again and got XXXX who insisted that she couldnt pull up my account ( naturally ). I called back and got XXXX who said they dont use case numbers. I called again and got XXXX who just hung up on me when I started begging her to ask her co-workers how to look up my complaint with a case number ( assuring her that it had been done before ). Then I finally got XXXX who said that there was no record of an investigation in my file. He said that the fraud team there doesnt handle this sort of dispute and that I would have to write a letter to the ERU. They dont have phones so he, therefore, cant connect me to the ERU. They cant, of course, accept faxes because they have no phones. And they do not accept emails. They only take complaints in writing. I told XXXX that I wrote to ERU back in XXXX and never heard from them. He said I should give it time. I told XXXX that my mortgage payment has tripled and I cant afford it and I am going to lose my home if I cant get some help with this fraud on my credit report so that I can refinance my home. He then told me there was nothing else he could do. \n\nXX/XX/XXXX I tried. I truly tired to find a way to reach the powers that be at Home Depot Consumer Credit Services and beseech someone to help me. I have spent hours and hours on this taking time away from my work and family. It has been a nightmare. Now I am paying three times the amount I can afford for my house  payments because I am unable to complete my refinance until this Home Depot card is removed from my credit report. \nIt seems that XXXX XXXX has always been on time with his payments to this card debt. And, given the fact that he has made all of the purchases and payments over the past 18 years, I do not understand why Home Depot will not release me from this debt. \nI called Maine Consumer Protection in XXXX and they were very helpful but said that Home Depot is run by Citibank and Citibank is regulated differently and I should contact the Consumer Financial Protection Bureau ( CFPB ) and so here is my story. \nI am attaching all relevant letters, cell phone records of my many calls to HD, police reports, court documents and any other relevant information. Thank you.","date_sent_to_company":"2018-08-16T16:01:19.000Z","issue":"Getting a credit card","sub_product":"Store credit card","zip_code":"048XX","tags":null,"has_narrative":true,"complaint_id":"2993365","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-08-16T14:28:14.000Z","state":"ME","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["XXXX XXXX is not a good <em>person</em>. At least he was not a good <em>person</em> back then. I learned during the custody battle that he was the one stalking and harassing me for over a year. I NEVER OPENED A HOME DEPOT CREDIT CARD WITH XXXX XXXX. \nXXXX was the first <em>person</em> to help me at Home Depot Credit Services. In fact, XXXX was the first <em>person</em> to <em>even</em> be kind to me. She said she took down all of my information."]},"sort":[9.142434,"2993365"]},{"_index":"complaint-public-v1","_id":"3264850","_score":7.623844,"_source":{"product":"Mortgage","complaint_what_happened":"Please find my Amended Complaint against Caliber Home Loan , Inc. for their relentless fraud, theft, including theft of funds and identity theft ; and other misconduct ; amended Qulified Written Request. Loan No. XXXX, address XXXX XXXX XXXX, XXXX, MI XXXX Also, please find my Copyright Notice and demand to Cease and Desist unauthorized distribution and sales of my copyrighted/trademarked materials such as mortgage loan XX/XX/XXXXXXXX XXXX, based on my name, reputation, credit score, credit history, banks statement and other unique information ; and the Note which both are signed by my unique trademarked signature. Under common law I do not have to register it but will consider registration if Caliber and XXXX will continue its criminal activities. Please be advised that any further distribution and sales of my Note and mortgage loan ( if legit )  require a written permission from me and royalties from sales, no less than 15 %. \n\nI further demand to stop Caliber and XXXX distribution and sales of my personal information to predatory lenders ; and use it as a guarantee for their securities based on Servicing Rights and private IPOs. Based on my estimate, my debt {$130000.00} plus interest ( total $ XXXX ) was not only paid in full due to myriads of sales, but generated a substantial income in the amount about 20 times or more than the value of the Note. I demand to disclose me all profits ; and compensate me a fair share from these trades, which under 15 % should be no less than {$400000.00} just from MBS trades. This is not included profits from resales of my private information to predatory lenders, sales of private IPOs and servicing rights since none of them are a part of my Note or my contract. \n\nI also demand Caliber to verify following information. On XX/XX/XXXX Caliber sent me a respond to my first QWR, where Caliber solely concentrated on escrow charges and ignored all other questions, including how my Flood Zone was determined if my property is not even on FEMAs map ; and why I had escrow account with Caliber if it is not required by VA. Calibers replies came from XXXX XXXX , who between XX/XX/XXXX-XX/XX/XXXX was VP of Default Management at Caliber Home Loans, and XXXX XXXX and were full of lies, thus need further validation. \n\nCaliber employee XXXX said that my escrow had a surplus of {$1000.00} which was purportedly refunded to me on XX/XX/XXXX. In support she sent me a check which had no check number, no routing number, no account number, no authorized signature and no proof of deposit. I do not recall if I ever received this check, and my banks accountant confirmed that it was never deposited by me. Please provide me a copy of deposited by me surplus check in the amount of {$1000.00}. \n\nXXXX and XXXX further stated that my recent deficiency was ( - ) {$470.00}, divided by 12 months ; and this is why my payment was reduced by {$95.00}. I suggest Caliber to hire employees with at least elementary school degree in math ; or teach them how to use calculators ; and provide me explanation how my deficiency was determined if I had NO taxes in XXXX. It was waived for me by the Assessor as a veteran ( who also mailed this information to Caliber ). \n\nCaliber refused to provide me a copy of my Note with the full chain of Assignment endorsed by the originator and all the intermediary parties specified in the contract governing the deal, who must be disclosed at the time of origination ; the pooling and servicing agreement, and finally over to the trust and all other parties ; name of the XXXX Trust where my loan is held as a security ; names of the Sponsor and Trustee ; the name of XXXX Custodian. Caliber falsely claimed that this is proprietary information. This is absurd and a blatant lie. This information is publically available according to SEC Act and IRS Pub. 938 who require banks to publish it on the monthly/quarterly/ annual basis. Yet, Caliber refused to provide it to me even though I have all rights to receive it since it belongs to me as well. \n\nThis mortgage loan was created by using my private information and based on my personal credentials, like my credit score, credit history, bank statements, ect. Thus, its a copyrighted material. I hired XXXX XXXX, XXXX., ( XXXX ) to originate this loan and paid them {$990.00}, which is work made-for-hire, a category of copyrighted works in which the person paying for the work obtains all rights under the copyright. This mortgage and note are signed by me, thus, my unique signature is a trademark under common law in logo category. \n\nI am not only entitled to have full disclosures ; but I also have rights to prohibit any unauthorized use of my copyrighted/trademarked materials, and collect royalties in exchange for a license to use my information to create securities, similar to oil and gas royalties. The only difference is that investment banks make much more money by selling my private information without any risks, disclosures, consents or shares of profits, which is utterly wrong. \n\nAccording to Caliber, the loan was contractually due for monthly installment, thus Caliber confirmed that it is a contract to purchase a mortgage loan ; and expects me to perform while Caliber has no intention to adhere to the terms of this contract from the beginning and continue to breach it as of today. \n\nThis contract was originally based on misrepresentation and deceit ; violated numerous Federal and State laws ; used for purposes other than intended and described. While I agreed to repay the debt ( and still agree if this debt exists ), I did not give my consent to create a windfall for XXXX XXXX who steal my money and identity in astronomic proportions and collect a debt which does not exist while making multi-million profits. Caliber and their co-conspirators like XXXX  sold my private information to predatory lenders ; used my name and signature to guarantee private IPOs ; sell their servicing rights through shady DE Statutory Trusts ; very likely fraudulently removed from XXXX pool and resold as default bonds, which XXXX later sold as their private shares and so on. \n\nThe legal elements of a contract include mutuality of obligation, which is comprised of offer and acceptance, definite terms, and consideration. These elements must all be present in order for a contract to be enforceable. Under my Contract, The Note or a partial interest in the Note [. ] can be sold one or more times [. ] is not a definite term. My duty under the contract with XXXX was to repay a debt in the amount of {$130000.00} plus interest, total {$220000.00} over 30 years. Creditors are interested to receive their money sooner ; and this is the reason why my Note or partial interest in the Note can be resold to legit successor/creditors. As soon as these creditors receive {$220000.00} as agreed, my obligation under this contract is over. I am entitled to know how many times my Note and partial interest in my Note were sold ; for how much it was sold ; who are current holders/creditors ; and if sales produced profits on top of my obligation, it must be deducted from my debt along with information how much money I still owe. \n\nNone of it was done. Moreover, millions of copies of my Note sold as securities/bonds created by my signature are not the Note or even a partial interest in my Note, but rather forgery ; Ponzi scam and identity theft for unjust enrichment. Especially securities backed by Calibers Servicing Rights and private IPOs ( Caliber and XXXX are agents for an investment bank and they never put any single cent into my loan while unjustly enriched themselves, specially Caliber who stole thousands $ $ $ from me while resold my information many times for unjust profits ).\n\nCaliber said that my loan is in a pooled security, REMIC Trust which must have Sponsor, Issuer, Trustee, Servicer, Investors none of whom are legal title Holders, pursuant to TILA Sec. 131 ( f ) ( 2 ) and 1026.39. When investors, who are not creditors, purchased myriads of securities created by my copyrighted/trademarked data my part of the contract was fulfilled since my debt was repaid as agreed and eliminated ; plus instantly created profits about 20 times more than amount funded. I am definitely entitled to a fair share, no less than 15 %, which I demand Caliber and their co-conspirators to pay me as a royalty for using my name, signature, home and reputation. Based on amount financed- {$130000.00} - the average trade profits are about {>= $1,000,000} or more. A very modest royalty rate is 15 % ( in oil/gas its 18-25 % [ 2 ] ) thus Caliber, XXXX and their secretive partners owe me at least {$400000.00} just from their MBS trades. This is not included profits from resales of my private information to predatory lenders, sales of private IPOs and servicing rights since none of them are a part of my Note or my contract. \n\nStatement of Facts. On XX/XX/XXXX I signed a document which appeared to be a Contract governed by UCC to purchase a negotiable secured instrument commonly known as a mortgage loan from XXXX XXXX , XXXX. ( XXXX  ). It was guaranteed by VA. According to the Closing Disclosure, XXXX was a LENDER in this transaction, who purportedly lent me {$130000.00}, with {$5100.00} closing costs. The total price I expected to pay for this loan was {$84000.00}. The origination fee was {$990.00}. The only other party listed in this Disclosure was XXXX XXXX  as a Settlement Agent. As an average customer who paid a significant amount for financial services, I relied on XXXX promises and didnt conduct additional research or recalculation of charges. \n\nXXXX underwriter XXXX advised that I must maintain escrow account per VA guidelines ; and obtain FEMA flood insurance because my property was purportedly located in the Flood zone. FEMA flood  insurance was originally calculated at {$100.00} p/m, and later changed to {$1100.00} p/y ( recently {$1100.00} Both statements were false and misleading. According to VA Pamphlet, 26-7, part 11a, VA does not require the lender to establish escrow accounts for the collection and payment of property taxes, hazard insurance premiums, and similar items [ 3 ]. According to two ( 2 ) local survey companies and comments from my neighbors, one of whom is a mortgage broker, my property was never located in FEMA flood zone ; and FEMA does not even have records for it. Thus, FEMAs flood insurance and escrow account were force-placed solely for the benefit of Caliber who receives more fees for their servicing on a bigger mortgage pool ; plus has a great opportunity to steal money from borrowers, which Caliber does on regular basis, in breathtaking amounts.\n\nThe initial escrow calculated by XXXX  was {$260.00} and consisted of ( 1 ) property taxes based on XXXX assessments of {$360.00} ( summer ) and {$980.00} ( winter ), total {$1300.00} or {$110.00} p/m ; {$590.00} property insurance or {$50.00} p/m ; and {$1100.00} FEMA Flood Insurance, or {$93.00} p/m. Taxes for XXXX summer ( {$370.00} ) were paid by the Seller. Based on a simple math, my escrow should be {$250.00}. However, based on Calibers respond of XX/XX/XXXX, my escrow was calculated at {$290.00} which resulted in overpayment of at least {$34.00} per month, or {$410.00} per year, a significant amount of unlawful debt. Bear to repeat, as an average customer I relied on expressed promises of my contract and reasonably expected honest services from my fiduciaries, so I did not conduct additional research. \nBut Calibers fraud and criminal activities did not stop there. In XX/XX/XXXX letter Caliber stated that my escrow account had a surplus of {$1000.00} which they purportedly refunded to me on XX/XX/XXXX ; and this is why my escrow account was reduced to {$790.00} effective XX/XX/XXXX. Caliber even attached a copy of the purported check which had no number, no authorizing signature, no routing number ; no bank account from which this check was issued ; nor any proof that this check was actually delivered and deposited by me. \n\nIt was a nice surprise since I do not recall if I received ANY Notices or surplus money from XXXX. I went to my bank to confirm if I deposited this check but forgot about it. My banks accountant researched all deposits, particularly from XX/XX/XXXX and advised that here were no deposits of Calibers {$1.00}, XXXX check, which bear to repeat I never received. I have a copy of my banks print-out. Thus, Caliber lied that they refunded me surplus money. \n\nFurthermore, on XX/XX/XXXX I received an Official Map Amendment letter from FEMA proving that my property is not in the flood zone ; and a Notice from XXXX County XXXX Township  Assessor that they waived my property taxes as a veteran. The letter from Assessor was sent to Caliber as well, since they always notify the Servicer.\n\nI immediately sent both documents to Caliber and asked to recalculate my escrow. Caliber failed to respond, even though the documents were sent three ( 3 ) times ; plus it was mailed by XXXX Township Assessor ; and later lied that Caliber did not received this communication which was sent with my payment checks deposited by Caliber. \n\nWhile Caliber refused to acknowledge receipt of these documents, they reduced my monthly payments from {$950.00} ( originally {$1000.00} due to XX/XX/XXXX shortage ) to {$850.00}, or by {$95.00} p/m, effective XX/XX/XXXX. According to Caliber, this reduction resulted from their annual review of my escrow on XX/XX/XXXX and determined shortage of ( - ) {$470.00} ( divided by 12 months would be {$39.00} p/m, not {$95.00} ). \n\nWhen I went to XXXX Township Assessors website to determine the status of my taxes, I learned that Calibers statements about shortages are also a blatant lie. According Assessors records, they did not charge me ANY taxes for Winter/Summer XXXX - at all. See attached document. Caliber most likely fabricated a review and a surplus check after they received my Complaint to CFPB, trying to defraud me ; CFPB, Michigan Attorney Generals office. \n\nFurthermore, when I asked Caliber to validate their right to collect from me and their relationship to my loan, I received four ( 4 ) conflicting and misleading statements from Caliber and their co-conspirators XXXX  whom Caliber sold or otherwise transferred my loan on XX/XX/XXXX, effective XX/XX/XXXX, without disclosing Affiliated Businesses such as Custodians ; Trusts ; Trustees and an Investment Bank who is the main party hiding behind this fraudulent transaction. RESPA 12 CFR  1024.15 requires disclosures of all Affiliated Business Arrangements and Mortgage Servicing Disclosure Statement, to inform the borrower whether or not the lender intends to service the account or pass it on to another servicing company. Moreover, RESPA and TILA both require disclosures about total compensation received by the lender. None of it was done. \n\nOn XX/XX/XXXX, Caliber claimed to be a current note holder. On XX/XX/XXXX XXXX informed me that the owner/investor is XXXX XXXX XXXX, XXXX, a part of XXXX XXXX et.al ( which was also not disclosed ). On XX/XX/XXXX Caliber said that owner/investor is XXXX XXXX. According to XXXX letter of XX/XX/XXXX they confirmed that the owner/investor is XXXX. See letters enclosed. I suspect that my loan was either never transferred to XXXX  or was fraudulently repurchased under glimpse of delinquency. This scam is widely used by certain agents for Investment banks. For example from XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX and the six senior executives pulled current, performing loans out of XXXX XXXX RMBS by falsely claiming they were delinquent in order to sell them at a profit into newly-issued RMBS, the SEC alleges. In addition, XXXX XXXX   caused its XXXX XXXX RMBS prospectuses to be \" false and misleading '' by improperly and deceptively using a XXXX XXXX rule that gave issuers the option to repurchase loans that were delinquent by three or more months. Worth to mention, on XX/XX/XXXX Caliber transferred my loan to XXXX XXXX ( another branch of XXXX ) who sold 8 million shares on XX/XX/XXXX using my loan as a collateral for their Company Initial Private Offering for about $ 170- {$190.00} million. Nobody informed me that I was used as a Guarator for XXXX IPO to create millions profits. \n\nFurthermore, I learned that XXXX was not a Lender but a correspondence unit for Caliber who work for an investment bank, likely XXXX XXXX, XXXX XXXX or XXXX XXXX XXXX ( common Sponsors for XXXX XXXX MBS Trusts [ 4 ] ) who provided a line of credit to XXXX via Caliber to issue me a loan using sham conduits XXXX and Caliber, whom XXXX immediately transferred servicing rights on XX/XX/XXXX, or less than 30 days. Thus, it was fraud and a breach of contract from the beginning since XXXX was not a lender but an agent for an investment Bank ; and here were no money involved in this transaction neither from XXXX ( who works for a fee ), or Caliber who funded this loan with other people money ; or the investment bank whose line of credit to Caliber was based either on ( 1 ) my {$31.00} XXXX bailout ; or ( 2 ) loan from Federal Reserve which in XXXX was between 0.50 % and 0.75 % interest rate and lent to me under 3.5 % ; or ( 3 ) money collected in advance from investors whom this investment bank sold my signature, name and reputation myriad of times, without my knowledge or consent, which created a windfall of profits. Plus they get {$380.00} each month my interest payment. TILA requires disclosure of all compensation arising out of the origination of the loan. And compensation is very broadly defined. None of it was disclosed to me neither at the time of origination, not later, even though I specifically requested. \n\nI was never informed that my loan was actually not a loan but an Initial Intent to Issue Mortgage Backed Securities which is governed by Securities Exchange Act of 1933, 34 ; and other securities laws pertained to unsecured instruments aka stocks and bonds. As an individual, I have no rights to issue securities using my name, signature and reputation, so I was misled about my real role in this transaction as an issuer and guarantor for securities to profit investment bank who use my name, my signature and my reputation to be sold on the open market several times a day. \nWhich gives rise to an implied contract in where I was essentially entitled to compensation or royalties arising from the transaction taken as a whole, includes all of the moving parts upon which the investment bank was relying. In both, the single transaction and step transaction doctrines, the essential issue is who are the real parties in interest, the investment bank and the borrower ( me ). Everything in between represents part of the transaction even if it was not disclosed. Both parties are entitled to the benefit of the bargain for the express written contract ( loan ) and the implied unwritten contract ( intent to issue securities and trade my name, signature and reputation ). \n\nThus, at least 15 % of these profits are a reasonable and fair compensation to me for profits received by the investment bank who actually lent me MY money in a form of their line of credit via sham conduits like XXXX and Caliber - all of whom received substantial unjust enrichment just by involvement in this transaction, without investing a single XXXX. No need to mention, by stealing from me thousands of dollars by Caliber via escrow account. \n\nAll stated above information and Calibers fraudulent manipulations with my escrow, created a reasonable concern that I am a victim of a massive fraud ; unlawful collection and other racketeering activities, including securities fraud. I demand Caliber and XXXX to cease and desist unauthorized use of my data ; and provide me verification and documents as stated above, along with disclosure of all profits received and 15 % royalties from sales. \n\n\nRegards. \n\nXXXX XXXX [ 1 ] Section 9-109 of the UCC states that it generally applies to any transaction, regardless of its form, that creates a security interest in personal property or fixtures by contract. This includes agricultural liens, sales of accounts, [. ], promissory notes.\n\n[ 2 ] XXXX XXXX  XXXX [ 3 ] XXXX XXXX   XXXX [ 4 ] XXXX XXXX XXXX","date_sent_to_company":"2019-06-05T08:20:26.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"490XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3264850","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Caliber Home Loans, Inc.","date_received":"2019-06-05T08:14:39.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Yet, Caliber refused to provide it to me <em>even</em> <em>though</em> I have all rights to receive it since it belongs to me as well. \n\nThis mortgage loan was created by using my private information and based on my personal credentials, like my credit score, credit history, bank <em>statements</em>, ect. 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