{"took":94,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":13,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9542167","_score":12.535162,"_source":{"product":"Student loan","complaint_what_happened":"I was XXXX XXXX XXXX XXXX XXXXXXXX years ago, which is why I have XXXX  loans. Last year I decided to subject matter expert Negotiable Instruments under Uniform Commercial Code Article XXXX, and my local Revised Code of Washington XXXX. After hundreds of hours of reading, writing, listening about and researching negotiable instruments in commerce, I started to recognize the instruments we use every day, and I started to realize we were using them incorrectly. I started using them correctly and I submitted drafts from the unconditional demands to pay. They were ignored, but then I realized my state statutes also allow me to ask questions, and get answers, so I submitted questions to the Department of Education. I asked around XXXX different questions. These questions were posed so I could confirm what Ive read in the statutes and what I suspect the process is from reading the statutes. I asked these questions so I can make informed decisions about my credit. I asked the Department of Education to provide evidence and proof of which pool or funds the credit was withdrawn from. I asked if they had ever used my promissory notes as security collateral. I asked for a true bill, and I asked to be furnished with any indorsements made on the original application, among other questions. I also advised them I was working with instruments and cited where to find the information I was providing. I even created a diagram of what the indorsement was and how the draft was a check. At this point, I have not received a single correspondence and I told them in several different correspondences what laws they were violating, and they still choose to do it. I can understand if no one knows what XXXX talking about, but the answer is to research, investigate, ask me questions, and ask management questions ; not completely ignore me at every turn. Below is a timeline of events. \n\nXX/XX/XXXX : -I accepted the unconditional order to pay, on behalf of the XXXX XXXX XXXX I then sent the coupon back, with authorization and instruction, to present for payment just as the rules describe. \n\n-The coupon is a draft, payable on demand and drawn on a bank, which means it is also a check, a draft and an order. \n\n\n\nXX/XX/XXXX : XXXX did not see set off and I hadnt gotten a response, so I sent a letter of inquiry on why the unmonetized securities from my instrument hadnt been applied to my account yet. \n\n\n\nXX/XX/XXXX : -XXXX  at Nelnet XXXX me by way of correspondence, that Nelnet only accepts forms of payment provided under the applicable federal laws, regulations and loan agreements but didnt cite any laws, regulations nor parts of the loan agreement I could inquire about. \n\n-They purport the laws and regulations declare payments must be made in U.S. legal tender in the form of a XXXX XXXX XXXX money order or electronic payment, but again, cited no laws nor regulations for me to inquire about. \n\nXXXX XXXX an entire set of promissory notes, which are unconditional promises to pay, on a specific date, payable to order, without any additional acts necessary to tender payment ; which means they are instruments. \n\n-If I were to use a blank indorsement on those promissory notes, the Department of Education can indorse above my indorsement and either use them as security collateral to get loans for FRNs, per 31 CFR Part 202, or exchange them for registered securities, per 31 CFR 357. \n\n\n\nXX/XX/XXXX : XXXX XXXX XXXX XXXX at Nelnet corresponded and warned me against engaging in scams alleging loan payment loopholes. Negotiable Instruments regulated under Uniform Commercial Code Article 3 and Revised Code of Washington 62A.3 are neither a scam, nor are they loan payment loopholes. \n\nXXXX XXXX mentioned laws and regulations that required payment to be in XXXX XXXX tender in the form of a bona fide check, money order, or electronic payment to Nelnet XXXX but cited no regulations I could inquire about. \n\nXXXX XXXX declined to accept my documents, claiming she was in keeping with the governing laws, regulations and loan agreements, but cited no laws nor regulations, and did not identify a part of the agreement she was keeping in with that I could inquire about. \n\n\n\nXX/XX/XXXX : -I corresponded with XXXX XXXX XXXX and I asked her questions to help me understand how the Department of Education uses instruments with my name on them, where they obtained the funds to loan me and if my promissory notes were used as security collateral, and other questions to promote my informed use of credit. \n\nXXXX cited state and federal statutes and Acts that they could reference. \n\nXXXX reminded them of the 15-day requirement to respond and cited the statute. \n\n\n\nXX/XX/XXXX : -Nelnet XXXX an email saying my correspondence was received. There was no mention of the instruments. \n\n\n\nXX/XX/XXXX : -Nelnet postponed payment until XX/XX/XXXX, on a weather forbearance. \n\n\n\nXX/XX/XXXX : -Nelnet XXXX restricted access to my statements, which are my electronic unconditional orders to pay, and I was unable to print off the coupons to tender payment. When I was able to print them, I accepted and returned them, on behalf of the XXXX XXXX. \n\n-Up to this date, no questions have been answered and no acknowledgement, other than the email, has been given. \n\n\n\nXX/XX/XXXX : -The weather forbearance expires. \n\n-Up to this date, no questions have been answered and no acknowledgement has been received of the 15-day statutorily imposed deadline. \n\n\n\nXX/XX/XXXX : -Up to this date, no questions have been answered and no acknowledgement has been received of the 15-day statutorily imposed deadline.\n\n-I sent the Department of Education and Nelnet separate correspondences to separate addresses, with the same content. It was a reminder that they lawfully had 15 days to respond, even though I had given them six months. \n\n-I gave them an additional 15-days to respond. \n\n\n\nXX/XX/XXXX : -Nelnet XXXX an email saying the correspondence was received. \n\n-Up to this date, there have been no questions answered, nor any acknowledgement of the 15-day statutorily imposed deadline.\n\n-There has been no correspondence whatsoever from Nelnet nor the Department of Education XXXX XX/XX/XXXX.","date_sent_to_company":"2024-07-18T00:14:45.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"99223","tags":null,"has_narrative":true,"complaint_id":"9542167","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2024-07-17T23:27:23.000Z","state":"WA","company_public_response":null,"sub_issue":"Need information about your loan balance or loan terms"},"highlight":{"complaint_what_happened":["It was a reminder that they lawfully had 15 <em>days</em> to respond, even though I had given <em>them</em> six months. \n\n-I gave <em>them</em> an additional 15-<em>days</em> to respond. \n\n\n\nXX/XX/XXXX : -Nelnet XXXX an email saying the correspondence was received. \n\n-Up to this date, there have been no questions answered, nor any acknowledgement of the 15-day statutorily imposed deadline.\n\n-There has been no correspondence whatsoever from Nelnet nor the Department of Education XXXX XX/XX/XXXX."]},"sort":[12.535162,"9542167"]},{"_index":"complaint-public-v1","_id":"7872728","_score":12.521353,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, I went to the Chase branch in XXXX, Wisconsin to open a new bank account, because I received a coupon via email, saying chase is offering a {$900.00} reward for new accounts. It took me more than XXXX hours driving to get there. The staff there recommended their premier checking and saving products, and everything get done by about 5pm that day. Chase staff also reminded me to set up direct deposit and transfer {$15000.00} into the new account in order to get the new account reward. \nAfter I returned home, I transferred in total {$10000.00} into the new Chase account via XXXX in the following days, from another bank account of mine ( BoA ). There were three transfers in total because XXXX has daily and weekly limitations. The transfer detail is : {$3500.00} on XX/XX/XXXX, {$3500.00} on XX/XX/XXXX, and another {$3000.00} on XX/XX/XXXX ( the receiving time may be different ). I also set up a direct deposit to the checking account. The next salary was supposed to be paid on XX/XX/XXXX ( bi-weekly ). \nThen on XX/XX/XXXX, I found that I can not transfer money from checking account to my saving account. I thought that maybe there may be a delay in the system, so I waited until XX/XX/XXXX. I found that I still can not do anything about my accounts, so I called the Chase asking why. They told me that they have decided to close the account, and refuse to provide any explanation. Right after I made the call, I found that I can not log in to my account via Mobile app or Website. They just locked everything and told me to wait until the closure is complete. I can not even manage my credit card any more ( I also have a Chase credit card, and already set up auto payment from the Chase checking account. So if they keep locking my account, I will get defaulted next month ). My employer is supposed to pay me on Friday, and since they locked my account, I don't even know where my salary goes. I called their XXXX branch, their customer service, their anti-fraud center, etc., a lot of departments. All of them kept saying that this is a final decision and there is nothing they can do, and I will never be able to open any accounts in Chase because they put me on a blacklist. There is even a guy saying that this is their right to do anything they want. Seriously I don't understand why Chase is doing this. This is irresponsible, offensive, and disrespectful. All I did is I drove a long way to Chase and opened an account, then deposited {$10000.00} in there. Then without any alerts, they shut it down and caused me so many troubles. As a consumer, I felt unfairly treated.","date_sent_to_company":"2023-11-19T01:02:37.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"499XX","tags":null,"has_narrative":true,"complaint_id":"7872728","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-11-18T23:43:50.000Z","state":"MI","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["All of <em>them</em> kept saying that this is a final decision and there is nothing they can <em>do</em>, and I will never be able to open any accounts in Chase because they put me on a blacklist. There is even a guy saying that this is their right to <em>do</em> anything they want. Seriously I don't understand why Chase is <em>doing</em> this. This is irresponsible, offensive, and disrespectful. All I did is I drove a long way to Chase and opened an account, then deposited {$10000.00} in there."]},"sort":[12.521353,"7872728"]},{"_index":"complaint-public-v1","_id":"17353548","_score":11.856525,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I, write this letter in good faith and honor, reserving all my lawful rights under UCC 1-308. Please note that I do not accept any contractual obligations tied to the strawman account associated with my name.\n\nTo clarify, I am a living, breathing woman, fully capable of seeing, touching, speaking, and engaging with the world. I operate under the full knowledge of my rights and do not consent to a contract created by or for a \" strawman '' entityan artificial construct without substance or lawful standing. As per the definitions found in XXXX XXXX XXXX ( XXXX XXXX. ) and Websters XXXX XXXX XXXX XXXX, a \" strawman '' is a non-entity, created to serve as a front or an imaginary, passive stand-in. This distinction is essential to understanding that I am not bound by any agreement made in the name of this fictional entity. \nTo that end, I formally request that you provide the following documents in order to validate the debt in question : Debt Validation : An accurate, complete accounting of the debt, including the original creditors name and the amount owed, in compliance with 15 USC 1692g ( a ) ( Fair Debt Collection Practices Act ).\n\nSigned Invoice : A copy of the signed invoice showing the debt and all associated charges, as per the requirements of UCC 3-501 for negotiable instruments.\n\nOriginal Wet Ink Contract : A copy of the original contract signed by both parties, validating the agreement between the corporation and myself, in compliance with UCC 3-201 and UCC 1-103 , which govern enforceable contracts.\n\nAdditionally, I request that you provide proof that the four essential conditions for a lawful, binding contract have been met : Full Disclosure : I was not informed that your corporation was creating credit under my name with your signature. \nEqual Consideration : You provided no value to me in exchange for your credit, leaving you with no real risk. \nLawful Terms and Conditions : The terms presented are based on fraudulent practices, which violate UCC 3-305 ( Discharge of Debt ), and may be considered void or unenforceable.\n\nSignatures of Both Parties : A corporation, as a legal fiction, can not sign contracts on its own ; it requires a conduit. Thus, any contract signed by a third party on behalf of the corporation lacks legal standing under UCC 3-402 ( Authority of Agent ). \nFurthermore, for nearly a decade, I have been receiving statements with a coupon and mailing them back with payments. These payments have been cashed, and the coupons redeemed, which constitutes trust fraud. This practice, also known as double dipping, involves renaming the bond and cashing my checks using my social security number each month. This is a clear violation of trust and is, in my view, a criminal act under 18 USC 1343 ( Wire Fraud ), as well as 18 USC 1951 ( RICO Act ). \nIn accordance with XXXX XXXX TransUnion ( XXXX ) and 15 USC 1681i and 1681e ( b ) ( Fair Credit Reporting Act ), I demand that this account be removed from my credit report. The account also violates 42 USC 408 ( Social Security Act ) and is in clear violation of RICO, which prohibits such fraudulent actions. Please take immediate steps to delete this account with great prejudice.\n\nAdditionally, I refer to HJR 192 ( 1933 ), PL 73-10, Title 31 USC 5118 , which prohibits creditors from demanding any specific form of payment. Banks must accept lawful U.S. currency, and failure to do so constitutes a felony under RICO Act 18 USC 1951. \nI also remind you that the green return receipt card sent back to me is evidence of a Common Law contract under the Postal Rule ( XXXX v. XXXX XXXXXXXX ). As such, the terms outlined in this letter are binding unless contested in writing within the appropriate legal time frame. \nFinally, I demand that you cease and desist from contacting me by phone. I have kept records of your daily calls, which I find to be intrusive and harassment. I do not give your corporation permission to contact me by phone. Any communication should be made in writing via certified mail, as per 15 USC 1692c ( c ) ( FDCPA ), which prohibits harassment through continued communication after a cease-and-desist request. \nPlease provide the requested documentation within 14 days of the date of this letter. Failure to do so will be considered a violation of my legal rights, and I will pursue all available remedies, including legal action, if necessary. \nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-11-20T01:58:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"142XX","tags":null,"has_narrative":true,"complaint_id":"17353548","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-20T01:58:32.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Furthermore, for nearly a decade, I have been receiving statements with a <em>coupon</em> and mailing <em>them</em> back with payments. These payments have been cashed, and the <em>coupons</em> redeemed, which constitutes trust fraud. This practice, also known as double dipping, involves renaming the bond and cashing my checks using my social security number each month. This is a clear violation of trust and is, in my view, a criminal act under 18 USC 1343 ( Wire Fraud ), as well as 18 USC 1951 ( RICO Act )."]},"sort":[11.856525,"17353548"]},{"_index":"complaint-public-v1","_id":"17353547","_score":11.851561,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I, write this letter in good faith and honor, reserving all my lawful rights under UCC 1-308. Please note that I do not accept any contractual obligations tied to the strawman account associated with my name.\n\nTo clarify, I am a living, breathing woman, fully capable of seeing, touching, speaking, and engaging with the world. I operate under the full knowledge of my rights and do not consent to a contract created by or for a \" strawman '' entityan artificial construct without substance or lawful standing. As per the definitions found in XXXX XXXX XXXX ( XXXX XXXX. ) and Websters XXXX XXXX XXXX XXXX, a \" strawman '' is a non-entity, created to serve as a front or an imaginary, passive stand-in. This distinction is essential to understanding that I am not bound by any agreement made in the name of this fictional entity. \nTo that end, I formally request that you provide the following documents in order to validate the debt in question : Debt Validation : An accurate, complete accounting of the debt, including the original creditors name and the amount owed, in compliance with 15 USC 1692g ( a ) ( Fair Debt Collection Practices Act ).\n\nSigned Invoice : A copy of the signed invoice showing the debt and all associated charges, as per the requirements of UCC 3-501 for negotiable instruments.\n\nOriginal Wet Ink Contract : A copy of the original contract signed by both parties, validating the agreement between the corporation and myself, in compliance with UCC 3-201 and UCC 1-103 , which govern enforceable contracts.\n\nAdditionally, I request that you provide proof that the four essential conditions for a lawful, binding contract have been met : Full Disclosure : I was not informed that your corporation was creating credit under my name with your signature. \nEqual Consideration : You provided no value to me in exchange for your credit, leaving you with no real risk. \nLawful Terms and Conditions : The terms presented are based on fraudulent practices, which violate UCC 3-305 ( Discharge of Debt ), and may be considered void or unenforceable.\n\nSignatures of Both Parties : A corporation, as a legal fiction, can not sign contracts on its own ; it requires a conduit. Thus, any contract signed by a third party on behalf of the corporation lacks legal standing under UCC 3-402 ( Authority of Agent ). \nFurthermore, for nearly a decade, I have been receiving statements with a coupon and mailing them back with payments. These payments have been cashed, and the coupons redeemed, which constitutes trust fraud. This practice, also known as double dipping, involves renaming the bond and cashing my checks using my social security number each month. This is a clear violation of trust and is, in my view, a criminal act under 18 USC 1343 ( Wire Fraud ), as well as 18 USC 1951 ( RICO Act ). \nIn accordance with XXXX XXXX TransUnion ( XXXX ) and 15 USC 1681i and 1681e ( b ) ( Fair Credit Reporting Act ), I demand that this account be removed from my credit report. The account also violates 42 USC 408 ( Social Security Act ) and is in clear violation of RICO, which prohibits such fraudulent actions. Please take immediate steps to delete this account with great prejudice.\n\nAdditionally, I refer to HJR 192 ( 1933 ), PL 73-10, Title 31 USC 5118 , which prohibits creditors from demanding any specific form of payment. Banks must accept lawful U.S. currency, and failure to do so constitutes a felony under RICO Act 18 USC 1951. \nI also remind you that the green return receipt card sent back to me is evidence of a Common Law contract under the Postal Rule ( XXXX v. XXXX XXXXXXXX ). As such, the terms outlined in this letter are binding unless contested in writing within the appropriate legal time frame. \nFinally, I demand that you cease and desist from contacting me by phone. I have kept records of your daily calls, which I find to be intrusive and harassment. I do not give your corporation permission to contact me by phone. Any communication should be made in writing via certified mail, as per 15 USC 1692c ( c ) ( FDCPA ), which prohibits harassment through continued communication after a cease-and-desist request. \nPlease provide the requested documentation within 14 days of the date of this letter. Failure to do so will be considered a violation of my legal rights, and I will pursue all available remedies, including legal action, if necessary. \nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-11-20T01:58:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"142XX","tags":null,"has_narrative":true,"complaint_id":"17353547","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-20T01:58:32.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Furthermore, for nearly a decade, I have been receiving statements with a <em>coupon</em> and mailing <em>them</em> back with payments. These payments have been cashed, and the <em>coupons</em> redeemed, which constitutes trust fraud. This practice, also known as double dipping, involves renaming the bond and cashing my checks using my social security number each month. This is a clear violation of trust and is, in my view, a criminal act under 18 USC 1343 ( Wire Fraud ), as well as 18 USC 1951 ( RICO Act )."]},"sort":[11.851561,"17353547"]},{"_index":"complaint-public-v1","_id":"17353516","_score":11.851561,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I, write this letter in good faith and honor, reserving all my lawful rights under UCC 1-308. Please note that I do not accept any contractual obligations tied to the strawman account associated with my name.\n\nTo clarify, I am a living, breathing woman, fully capable of seeing, touching, speaking, and engaging with the world. I operate under the full knowledge of my rights and do not consent to a contract created by or for a \" strawman '' entityan artificial construct without substance or lawful standing. As per the definitions found in XXXX XXXX XXXX ( XXXX XXXX. ) and Websters XXXX XXXX XXXX XXXX, a \" strawman '' is a non-entity, created to serve as a front or an imaginary, passive stand-in. This distinction is essential to understanding that I am not bound by any agreement made in the name of this fictional entity. \nTo that end, I formally request that you provide the following documents in order to validate the debt in question : Debt Validation : An accurate, complete accounting of the debt, including the original creditors name and the amount owed, in compliance with 15 USC 1692g ( a ) ( Fair Debt Collection Practices Act ).\n\nSigned Invoice : A copy of the signed invoice showing the debt and all associated charges, as per the requirements of UCC 3-501 for negotiable instruments.\n\nOriginal Wet Ink Contract : A copy of the original contract signed by both parties, validating the agreement between the corporation and myself, in compliance with UCC 3-201 and UCC 1-103 , which govern enforceable contracts.\n\nAdditionally, I request that you provide proof that the four essential conditions for a lawful, binding contract have been met : Full Disclosure : I was not informed that your corporation was creating credit under my name with your signature. \nEqual Consideration : You provided no value to me in exchange for your credit, leaving you with no real risk. \nLawful Terms and Conditions : The terms presented are based on fraudulent practices, which violate UCC 3-305 ( Discharge of Debt ), and may be considered void or unenforceable.\n\nSignatures of Both Parties : A corporation, as a legal fiction, can not sign contracts on its own ; it requires a conduit. Thus, any contract signed by a third party on behalf of the corporation lacks legal standing under UCC 3-402 ( Authority of Agent ). \nFurthermore, for nearly a decade, I have been receiving statements with a coupon and mailing them back with payments. These payments have been cashed, and the coupons redeemed, which constitutes trust fraud. This practice, also known as double dipping, involves renaming the bond and cashing my checks using my social security number each month. This is a clear violation of trust and is, in my view, a criminal act under 18 USC 1343 ( Wire Fraud ), as well as 18 USC 1951 ( RICO Act ). \nIn accordance with XXXX XXXX TransUnion ( XXXX ) and 15 USC 1681i and 1681e ( b ) ( Fair Credit Reporting Act ), I demand that this account be removed from my credit report. The account also violates 42 USC 408 ( Social Security Act ) and is in clear violation of RICO, which prohibits such fraudulent actions. Please take immediate steps to delete this account with great prejudice.\n\nAdditionally, I refer to HJR 192 ( 1933 ), PL 73-10, Title 31 USC 5118 , which prohibits creditors from demanding any specific form of payment. Banks must accept lawful U.S. currency, and failure to do so constitutes a felony under RICO Act 18 USC 1951. \nI also remind you that the green return receipt card sent back to me is evidence of a Common Law contract under the Postal Rule ( XXXX v. XXXX XXXXXXXX ). As such, the terms outlined in this letter are binding unless contested in writing within the appropriate legal time frame. \nFinally, I demand that you cease and desist from contacting me by phone. I have kept records of your daily calls, which I find to be intrusive and harassment. I do not give your corporation permission to contact me by phone. Any communication should be made in writing via certified mail, as per 15 USC 1692c ( c ) ( FDCPA ), which prohibits harassment through continued communication after a cease-and-desist request. \nPlease provide the requested documentation within 14 days of the date of this letter. Failure to do so will be considered a violation of my legal rights, and I will pursue all available remedies, including legal action, if necessary. \nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-11-20T01:58:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"142XX","tags":null,"has_narrative":true,"complaint_id":"17353516","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-20T01:44:22.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Furthermore, for nearly a decade, I have been receiving statements with a <em>coupon</em> and mailing <em>them</em> back with payments. These payments have been cashed, and the <em>coupons</em> redeemed, which constitutes trust fraud. This practice, also known as double dipping, involves renaming the bond and cashing my checks using my social security number each month. This is a clear violation of trust and is, in my view, a criminal act under 18 USC 1343 ( Wire Fraud ), as well as 18 USC 1951 ( RICO Act )."]},"sort":[11.851561,"17353516"]},{"_index":"complaint-public-v1","_id":"13907087","_score":11.793205,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I, XXXX XXXX, write this in good faith and honor, reserving all my lawful rights under UCC 1-308. Please note that I do not accept any contractual obligations tied to the strawman account associated with my name.\n\nTo clarify, I am a living, breathing woman, fully capable of seeing, touching, speaking, and engaging with the world. I operate under the full knowledge of my rights and do not consent to a contract created by or for a XXXX XXXX XXXX XXXX artificial construct without substance or lawful standing. As per the definitions found in XXXX XXXX XXXX ( XXXX XXXX. ) and XXXX  XXXX XXXX XXXX XXXX, a \" XXXX  '' is a non-entity, created to serve as a front or an imaginary, passive stand-in. This distinction is essential to understanding that I am not bound by any agreement made in the name of this fictional entity. \nTo that end, I formally request that you provide the following documents in order to validate the debt in question : Debt Validation : An accurate, complete accounting of the debt, including the original creditors name and the amount owed, in compliance with 15 USC 1692g ( a ) ( Fair Debt Collection Practices Act ).\n\nSigned Invoice : A copy of the signed invoice showing the debt and all associated charges, as per the requirements of UCC 3-501 for negotiable instruments.\n\nOriginal Wet Ink Contract : A copy of the original contract signed by both parties, validating the agreement between the corporation and myself, in compliance with UCC 3-201 and UCC 1-103 , which govern enforceable contracts.\n\nAdditionally, I request that you provide proof that the four essential conditions for a lawful, binding contract have been met : Full Disclosure : I was not informed that your corporation was creating credit under my name with your signature. \nEqual Consideration : You provided no value to me in exchange for your credit, leaving you with no real risk. \nLawful Terms and Conditions : The terms presented are based on fraudulent practices, which violate UCC 3-305 ( Discharge of Debt ), and may be considered void or unenforceable.\n\nSignatures of Both Parties : A corporation, as a legal fiction, can not sign contracts on its own ; it requires a conduit. Thus, any contract signed by a third party on behalf of the corporation lacks legal standing under UCC 3-402 ( Authority of Agent ). \nFurthermore, for nearly a decade, I have been receiving statements with a coupon and mailing them back with payments. These payments have been cashed, and the coupons redeemed, which constitutes trust fraud. This practice, also known as double dipping, involves renaming the bond and cashing my checks using my social security number each month. This is a clear violation of trust and is, in my view, a criminal act under 18 USC 1343 ( Wire Fraud ), as well as 18 USC XXXX  ( RICO Act ). \nIn accordance with XXXX XXXX TransUnion ( XXXX ) and 15 USC 1681i and 1681e ( b ) ( Fair Credit Reporting Act ), I demand that this account be removed from my credit report. The account also violates 42 USC 408 ( Social Security Act ) and is in clear violation of RICO, which prohibits such fraudulent actions. Please take immediate steps to delete this account with great prejudice.\n\nAdditionally, I refer to HJR 192 ( XXXX ), PL 73-10, Title 31 USC 5118 , which prohibits creditors from demanding any specific form of payment. Banks must accept lawful XXXX currency, and failure to do so constitutes a felony under RICO Act 18 USC XXXX.\n\nI also remind you that the green return receipt card sent back to me is evidence of a Common Law contract under the Postal Rule ( XXXX v. XXXX, XXXX ). As such, the terms outlined in this letter are binding unless contested in writing within the appropriate legal time frame. \nFinally, I demand that you cease and desist from contacting me by phone. I have kept records of your daily calls, which I find to be intrusive and harassment. I do not give your corporation permission to contact me by phone. Any communication should be made in writing via certified mail, as per 15 USC 1692c ( c ) ( FDCPA ), which prohibits harassment through continued communication after a cease-and-desist request.\n\nPlease provide the requested documentation within 14 days of the date of this letter. Failure to do so will be considered a violation of my legal rights, and I will pursue all available remedies, including legal action, if necessary.\n\nThank you for your prompt attention to this matter. \nSincerely, XXXX XXXX Beneficiary All Rights Reserved, Without Prejudice I have sent this to Transunion who on fact is being sued right now due to them not doing any proper reporting at all and they do not investigate the debt they just add and or keep whatever on my record and or report","date_sent_to_company":"2025-06-05T16:55:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"142XX","tags":null,"has_narrative":true,"complaint_id":"13907087","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-06-05T16:50:33.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Sincerely, XXXX XXXX Beneficiary All Rights Reserved, Without Prejudice I have sent this to Transunion who on fact is being sued right now due to <em>them</em> not <em>doing</em> any proper reporting at all and they <em>do</em> not investigate the debt they just add and or keep whatever on my record and or report"]},"sort":[11.793205,"13907087"]},{"_index":"complaint-public-v1","_id":"2595183","_score":10.719188,"_source":{"product":"Checking or savings account","complaint_what_happened":"Greetings, I am XXXX XXXX XXXX Secured Party and Authorized Representative of XXXX XXXX XXXX On XXXX XXXX, 2017, after having my identity verified by PayPal ( as well as informing PayPal that this is a Trust account ) I linked my PayPal account to a XXXX XXXX XXXX XXXX XXXX in the name and identifying the PayPal account. My first transaction was a withdrawal in the amount of {$1000.00} to my PayPal account. I was informed it would take 3-5 business days.number ( SSN ) I use in XXXX XXXX XXXX/XXXX.\nOnce the account was established I began to transact with PayPal by using the XXXX XXXX XXXX XXXX as a Primary funding source.\nI decided to shop online for a much needed replacement for my laptop. I placed an order with HSN after adding PayPal as a payment method. Upon completion of the order the transaction was reversed and access to the account was limited for no apparent reason. A decision made by PayPal ( I would soon find ), along with a note that I would need to contact them ( PayPal ). Once I contact PayPal I asked for the Reasons Code. I was told by one representative that the system wouldnt give specific reasons as to why the transaction is being denied and was then told to try another online merchant. So I make the transaction with XXXX and the transaction was completed. At that time PayPal notifies me that I can no longer use PayPal as my account was permanently limited until I contact them.\nAfterward PayPal contacts me and ask if I could show them a bank statement from the account. And I remind PayPal that this is a Trust account and I am only a Beneficiary ( same as I told PayPal when verifying the linking of the account. ) My identity was verified by Telephone # and address associated with the PayPal account. Both accounts have the same name and identifying number.\nOn one call I was assisted by XXXX XXXX only to be told the same the system wont give specific reasons as to why my transactions are being denied. I then ask PayPal if I could send them Proof of Title ( Authenticated Birth Certificate, Social Security Card, Affidavit of Counter Deed of Birth Certificate ). They kept referring to their systems lack of a reason for my declines.\nOn XXXX XXXX, 2017, the order from XXXX arrives and there are no complaints from the buyer not getting his/her payment. The buyer from XXXX sends me an offer for a coupon on XXXX XXXX, 2017, and says nothing about a lack of funds or anything else.\nOn XXXX XXXX, 2017 I receive an email from PayPal saying that I owe them for a transaction in the amount of {$250.00} for a transaction with XXXX that took place after the account was restricted/limited. Saying that the transaction was declined by the XXXX XXXX XXXX and that PayPal covered the cost to the seller. But, I dont see how that is possible when the XXXX was the primary funding source of the account.\nOn XXXX XXXX, 2017 I received another email from XXXX with ( PayPals Office Executive Escalations ) saying that the XXXX XXXX  contacted them and told them they have a memo out for fraud alert and not to link any XXXX XXXX XXXX to PayPal accounts. PayPal says the XXXX told them the accounts do not exist. If that were true and the accounts didnt exist how could they link to PayPal? With all of the security making up PayPals system no safeguards preventing the linking of banks to their accounts that dont exist? Then the email says I could have access to the account after paying the alleged debt. But mention nothing of the three ( 3 ) {$1000.00} XXXX XXXX  Dollar withdrawals I made from the XXXX. The Primary funding source of the account.\nQUESTION : How can the XXXX XXXX decline a payment order made to an account that doesnt exist????\nIt is painfully obvious that PayPal has not been totally forthcoming with me about the events that have taken place. All one has to do is review the XXXX XXXX  XXXX Operating Circular # XXXX XXXX XXXX ( XXXX ) and its references to Article XXXX ( UCC ) to see the true nature of ACH debit/credit transactions explained in the Uniform Commercial Code, ( XXXX XXXX XXXX XXXX XXXX ) and the Federal Reserves Operating Circular # XXXX to see that PayPal is partaking in Financial Fraud which equal to Economic Genocide.","date_sent_to_company":"2017-08-04T16:01:29.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"30344","tags":null,"has_narrative":true,"complaint_id":"2595183","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2017-08-04T15:37:28.000Z","state":"GA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["On XXXX XXXX, 2017 I received another email from XXXX with ( PayPals Office Executive Escalations ) saying that the XXXX XXXX  contacted <em>them</em> and told <em>them</em> they have a memo out for fraud alert and not to link any XXXX XXXX XXXX to PayPal accounts. PayPal says the XXXX told <em>them</em> the accounts <em>do</em> not exist. If that were true and the accounts didnt exist how could they link to PayPal?"]},"sort":[10.719188,"2595183"]},{"_index":"complaint-public-v1","_id":"2965703","_score":8.8226185,"_source":{"product":"Mortgage","complaint_what_happened":"About 9 months ago my XXXX mortgage was acquired by a new Mortgage Servicer named XXXX XXXX XXXX XXXX. \n\nProvident 's contact information is : XXXX XXXX XXXX XXXX - Loan Servicing XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX I changed my online billpay account for the month of XX/XX/XXXX, so I made two payments from two different bill pay accounts for my entire XX/XX/XXXX Payment which is for at least {$1600.00}. My payments ( which in sum constituted the full XX/XX/XXXX Payment and some principal reduction ) were all received by Provident BEFORE a late charge could be imposed. \n\nThe first bill pay payment was made by check iao {$500.00} and was mailed on XX/XX/XXXX and received on XX/XX/XXXX by Provident. \n\nThe second bill pay payment was made IAO {$1200.00} and was electronically received by Provident on XX/XX/XXXX. \n\nI called Provident today, XX/XX/2018, and spoke with \" XXXX '' and further escalated the call to Supervisor \" XXXX ''. Both Provident representatives indicated that Provident could not accept a partial payment, they cited a company policy to benefit their shareholders, and therefore both payments were returned and I was charged a late fee IAO {$81.00} on the XX/XX/XXXX. \n\nI advised both XXXX and XXXX that I had to change bill pay providers for the month of XX/XX/XXXX and that with my prior XXXX servicer allowed for splitting payments without issue. XXXX would put a partial payment in a \" suspense '' account and credit the full payment once the balance was received. I have never received a late charge or been late on a mortgage payment. As of today, XX/XX/2018 ... neither of the two bill pay payments have been returned to me from either bill pay entity ( check or electronic ) ... so the only way for me to know that there was a problem would have had to have come from Provident, but Provident chose to do nothing. I asked XXXX and XXXX to waive the late charge since I had in fact made my XX/XX/XXXX payment on time and they said absolutely not and they indicated that their shareholders needed this late charge revenue. I further asked Manger XXXX if he could give me the names Provident 's regulators and he refused and said he did not know that Provident was even regulated.\n\nFurthermore, I asked if Provident could have let me know that there was a problem with my XX/XX/XXXXpayment ( Provident has my phone and text message number and email ) ... and they confirmed that they had my email and contact information, but refused to use it. They said that they had too many mortgages to service to actually call me, text me, or email me to let me know that there was a problem with my XX/XX/XXXX payment .... keep in mind that I could have potentially fixed the problem before facing a late charge. But instead, Provident conveniently chose to remain silent because it was going to benefit them with this late charge revenue ... Provident confirmed that they received the check for {$500.00} on XX/XX/XXXX ... and literally let 6 business days pass with no action on their part ( XXXX said they mailed me a letter, which I have not yet received ) ..., but they do it this way so they could collect a late charge revenue. \n\nThis really feels like a fraudulent scam to me ... borderline theft. If you steal a little from a lot of people it starts to really add up. My {$81.00} late fee from Provident will not kill me, but I began thinking .... I am probably not the only one this has happened too ... and sure enough I XXXX it and you can find similar complaints about biweekly or partial payment to Provident. \n\nXXXX XXXX XXXX   They also indicated that they do not accept bi weekly payments ... .. so anyone who wants to send a payment every two weeks they will just flat reject, but sit on this information, so they can collect late charge revenue. I think this also only benefits Provident ... and they should give notice that as a servicer they chose not to accept partial or biweekly payments because they want to make that late charge revenue.\n\nI think this is a very slimy business practice .... and for the record I did not choose to do business with Provident ... my mortgage was sold to them from XXXX / XXXX. Also, even though my funds have not been returned to me I have made another payment for XXXX, which will be received by Provident tomorrow ... XX/XX/2018. So, as of tomorrow I am two days late, but out of pocket for two mortgage payments.\n\nI think this would be a tempting one for the CFPB, Treasury, Fed, or state finance regulators to investigate further ... these late charges can really start to add up ... I bet if a regulator sent out a subpoena asking for all partial payment late charge records from Provident you might find a very interesting pattern here. This Provident activity reminds me of XXXX XXXX and the \" Pay Day '' lending scam ... that I saw on XXXX Season 1 episode 2 of XXXX XXXX. \n\nKeep in mind this Provident is a company were I don't even get a monthly mortgage statement from ( I used to with XXXX  ) ... they have given me instead a little coupon book, but they are technologically savvy because a monthly statement is generated online and they do have online account access for me to use. I did log in to Provident after Provident received and returned the {$500.00} check ( before the late charge ) to check on the status of payment and there was no mention of a problem of my {$500.00} XX/XX/XXXX payment ... they could have flagged the account and mentioned that my first payment was returned .... I think this is really just a revenue generating feature ... but it is definitely slimy. I think the regulators should just step on this behavior hard to put an end to it quickly.","date_sent_to_company":"2018-07-17T17:58:40.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"32233","tags":null,"has_narrative":true,"complaint_id":"2965703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PROVIDENT FUNDING ASSOCIATES","date_received":"2018-07-17T16:08:51.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["This Provident activity <em>reminds</em> me of XXXX XXXX and the \" Pay Day '' lending scam ... that I saw on XXXX Season 1 episode 2 of XXXX XXXX. \n\nKeep in mind this Provident is a company were I don't even get a monthly mortgage statement from ( I used to with XXXX  ) ... they have given me instead a little <em>coupon</em> book, but they are technologically savvy because a monthly statement is generated online and they <em>do</em> have online account access for me to use."]},"sort":[8.8226185,"2965703"]},{"_index":"complaint-public-v1","_id":"3268495","_score":7.359972,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX and XXXX XXXX appears on my credit report as of XX/XX/XXXX. Whereas i never had done any business with either party concerning my property home and land. I have sent this information thereto all parties multiple times. XXXX has reported me late on three occasions but can not provide verification and validation proof of a contract between myself and them. In fact i have shown that this property was paid in full by way of my infant trust account. Rather credit agencies have ignored this fact. POINTS OF AUTHORITIES - The Plaintiff herein i, woman, XXXX XXXX XXXX had presented XXXX a payment in full as she has done in the beginning of the initial purchase of her property and home on XX/XX/XXXX. Whereas the law states that \" The ownership of all property is in the state by virtue of the government \" Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, XX/XX/XXXX on HR 1491 p. 83. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( XXXX XXXX, XXXX, ch. 6,  16 ( par. ) ,38 Stat. 265 ; XXXX XXXX, XXXX, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; XXXX XXXX, XXXX, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) INTENTIONS : The above United States government obligations is hereby accepted and acknowledged and I do assign and pledge the total value of the obligation to the United States of America through the United States Department of the Treasury to be redeemed for value and receivable at the Federal Reserve, the Federal Reserve Bank, and/or any member bank and/or national Association as prescribed by statute ( the act of XX/XX/XXXX ; the act of XX/XX/XXXX ; 12 USC 411 ; 18 USC 8 ; and the intentions of the United States Congress concerning THE CURRENT SERIOUS NATIONAL EMERGENCY ). When XXXX purchased the home she required proof that the funds would be wired and or a check would need to be signed if she was receiving a loan from a bank. No bank was present during the alleged lending process made up by XXXX. It is stated that United States coins and currency ( including Federal reserve notes and circulating notes of Federal reserve banks and national banks ) are legal tender for all debts, public charges, taxes, and dues. Foreign gold or silver coins are not legal tender for debts. Rather XXXX failed to state this in their letter what type of currency they would be willing to accept, they where just bent and focused upon not receiving the Tender Of Payment from XXXX XXXX XXXX which is discrimination because the law and or act of XXXX states that this currency is accepted for all property. Plaintiff XXXX XXXX XXXX presented the type of payment thereto XXXX rather they declined the payment. Based upon law whereas XXXX claims that there is no case law [ purgingthemselves ] that supports the Tender Of Payment Currency. Please see below the case laws for types of Currency used for paying for property be it judicial or non judicial Mortgage or Deed Of Trust. In the United States, a mortgage note ( also known as a real estate lien note, borrower 's note ) is a promissory note secured by a specified mortgage loan. Mortgage notes are a written promise to repay a specified sum of money plus interest at a specified rate and length of time to fulfill the promise. It's the promissory note that contains the promise to repay the amount borrowed. ( Learn more about promissory notes. ) While a promissory note is basically an IOU that contains the promise to repay the loan, the mortgage or deed of trust is the document that pledges the property as security for the loan. 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) 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 endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. NOTICE : XXXX nor other Defendants never made mention thereto what currency they where speaking of be it fiat Federal Reserve Notes etc, .. They the Defendants only hinted toward types of formats of payments such as Check Money Order but that is non descriptive and misleading in explanation without clarity and definition. Thus being fraud. XXXX failed to provide law [ s ] that exempts them from not receiving the Tender of Payment. Whereas the law says that if the Tender Of Payment is not accepted and a letter declining the payment stating denial this makes that debt discharged by law as presented multiple times to XXXX and XXXX XXXX Please see Defendant ( s ), XXXX, the alleged servicer to and XXXX XXXX unknown participants, whom alleges to have servicing rights from MERS whom have no employees nor an office location physically. As well no known addresses and corporate employees not even a secretary whom have been alleged to be the originator of loan made up fraudulent loan attempt, also the Nominee and beneficiary, XXXX XXXX also known as the alleged Trustee on behalf of MERS unknown in relationship as to Trustee, XXXX XXXX made attempts to send notices via regular mail during the time of XX/XX/XXXX, whereas they threatened to foreclose and sale without verification and or validation and no contract between XXXX XXXX XXXX and said corporations and or banks including MERS. Defendants entered into this matter related to a trust in the capacity that is unsustainable, and thus is perceived as standing in its unadulterated non-immune capacity and is liable for all damages incurred, assessments as well as penalties. On its face it appears that the Respondents intent and purpose, was to take up the election to treat the within reference complaint as a dream, rather than a promise to pay. A complaint is a promise to pay, and a draft is an order to pay, and the person holding the instrument can treat it as either. The court converted the coolant to a draft [ a nom of currency conversion ]. There might be cause for one to raise and/or complaint that they lack understanding, so can the research department contact their legal department and have them respond? Rather the Research Dept makes it oh so confusing as to who is really speaking on the behalf of XXXX and or XXXX XXXX. PROOF OF PAYMENT FROM CREDITED ACCOUNT : - The Plaintiff XXXX XXXX XXXX has presented proof that the funds were drawn from her infant trust account due to her private account number [ Social Security Number ] credited account number was used to purchase the property and PennyMac or the Defendants failed to dispute this fact. When there is no check to provide payment or a wire confirmation of payment according to the Nevada law i.e. GOOD FUNDS : Which was made effective XX/XX/XXXX, whereas the State Of Nevada enacted the Good Funds legislation [ XXXX ] The law states that for escrow to close on the same day of closing the transaction with the Title company funds would be Tendered in office by interbank electronic wire transfer during the same day. Well this contradicts XXXX and their proof of alleged loan because the wire transaction or check was not produced by the end of day business in fact there wasn't any transaction or loan check created by XXXX because they where not present. Nor was XXXX involved in the beginning of the purchase of the Plaintiffs XXXX XXXX XXXX. More over XXXX appeared on XXXX XXXX XXXX credit in XXXX of XXXX not on the day of closing which was XX/XX/XXXX. There was and is no proof of a loan from XXXX XXXX XXXX nor XXXX XXXX XXXX. The only information for wire came from XXXX XXXX XXXX the infant trust. The wire transfer came from a Federal Reserve Bank located at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX [ XXXX ] whereas the Plaintiffs account is held. No record of XXXX nor XXXX XXXX involvement during said wire. Please see the Affidavit of Preemptive Letter Without Rebuttal after 30 days [ XXXX XXXX   XXXX ] Just as in the case law presented herein there was no money transferred from XXXX bank in this matter to another bank show a loan took place. This is plainly presented thereto XXXX and XXXX XXXX on multiple occasions within three affidavits and one judgment against the Defendants herein. It was stated by XXXX in writing thereto the CFPB and to the Plaintiff by way of letter and USPS mail that XXXX does not recognize your proposed process as legitimate under the terms of the Note and the laws of the State of Nevada or the United States. In fact, your views are not recognized by any court of law or administrative tribunal within the United States. It is XXXX  position that any court or other extra-legal proceedings initiated by you and/or your alleged notary/escrow agent in this matter against XXXX, its officers, agents, or vendors, as a result of XXXX complying with its rights, obligations or requirements under the terms of the Note and Deed of Trust, and Federal and/or State law would be frivolous, without merit, and an abuse of process. You are further reminded that your obligations under the terms of this duly executed Note and Deed of Trust are binding, valid and fully enforceable at law. XXXX must respectfully decline the Tender of Payment Offering Government Obligations Remittance Coupon that you have mailed to XXXX with the intent to fully satisfy and discharge this loan. You are again reminded that said document will not fully satisfy your obligation under the terms of the Deed of Trust and Note for the loan, and is not an acceptable form of payment or an allowable transfer of property, as described under the Deed of Trust and the Note for the above referenced loan obligation. XXXX will not accept or honor the Government Obligations Remittance Coupon. In your correspondence your request the removal or discharge of the loan from the credit reporting agencies. XXXX must respectfully decline your request to remove the reporting as the loan is valid, due and payable. XXXX holds the original Note you signed with XXXX XXXX XXXX, a XXXX ( XXXX ). This is Fraud identity theft and perjury! Committed by all the Defendants herein. XXXX and their agents stated that XXXX XXXX XXXX allege that XXXX and XXXX XXXX XXXX  XXXX ( XXXX ), have altered, recreated or modified loan documents. Enclosed are copies of the original loan documents you signed with XXXX, which were transferred to XXXX upon the servicing transfer. As evidenced by the documents, no alterations have been made to any of the documents. It is common practice for the loan number to change as the loan transfers between servicers as specified in the Welcome Letter ( copy enclosed ) provided, but all original terms remain the same. Should you wish to make an appointment to come to our office and view the original signed Note, it will be available for a period of 60 days from the date of this letter. You may call and schedule an appointment to come and view the original document by calling me directly or by calling Mr. XXXX XXXX, Supervisor of XXXX Research and Correspondence Department, at ( XXXX ) XXXX extension XXXX. In your correspondence dated XX/XX/XXXX, you state that you have proof that your loan was paid off by way of your Infant Trust Account but do not reference a date in which the full payoff of the loan was made. If you have made a payment in full of this loan, please provide me with a copy of the cashed certified funds check or proof of wire so that I may further research the location of the funds. As of the date of this letter, your loan is due for the XX/XX/XXXX. The unpaid principal balance is {$390000.00}. This is Fraud identity theft and perjury! Committed by all the Defendants herein. Plaintiff had made multiple attempts to resolve the matter XXXX and or the Defendants herein continues to send strange letters without verifying who the letter is from threatening to foreclose on the property owned and paid for by XXXX XXXX XXXX. In fact there is no other routing numbers other than that of my personal and private infant trust account and the routing number of the bank that is tied to my infant trust account located in Texas. There is no check return check signed by me thereto the Defendants and there is no proof of a loan by the defendants at any point in time. XXXX makes excuses on not answering the questions legally posed to them trying not to incriminate the controllers and implicate others such as XXXX and XXXX. According to the FCRA the debt must be disclosed in all facets and any lack of disclosure nullifies any alleged contract. As well there is no lien or credit history from the date of the purchase of said property on XX/XX/XXXX whereas if XXXX was involved which they where not, their time line and statute of limitations for recording this information expired on XX/XX/XXXX. For there is no record of the Defendants until XX/XX/XXXX.","date_sent_to_company":"2019-06-08T19:05:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89149","tags":null,"has_narrative":true,"complaint_id":"3268495","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2019-06-08T19:05:29.000Z","state":"NV","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["You are further <em>reminded</em> that your obligations under the terms of this duly executed Note and Deed of Trust are binding, valid and fully enforceable at law. XXXX must respectfully decline the Tender of Payment Offering Government Obligations Remittance <em>Coupon</em> that you have mailed to XXXX with the intent to fully satisfy and discharge this loan."]},"sort":[7.359972,"3268495"]},{"_index":"complaint-public-v1","_id":"3268497","_score":7.321827,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX and XXXX XXXX appears on my credit report as of XX/XX/XXXX. Whereas i never had done any business with either party concerning my property home and land. I have sent this information thereto all parties multiple times. XXXX has reported me late on three occasions but can not provide verification and validation proof of a contract between myself and them. In fact i have shown that this property was paid in full by way of my infant trust account. Rather credit agencies have ignored this fact. POINTS OF AUTHORITIES - The Plaintiff herein i, woman, XXXX XXXX XXXX had presented XXXX a payment in full as she has done in the beginning of the initial purchase of her property and home on XX/XX/XXXX. Whereas the law states that \" The ownership of all property is in the state by virtue of the government \" Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 -  Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title  II, 203 ( a ) ,49 Stat. 704. ) INTENTIONS : The above United States government obligations is hereby accepted and acknowledged and I do assign and pledge the total value of the obligation to the United States of America through the United States Department of the Treasury to be redeemed for value and receivable at the Federal Reserve, the Federal Reserve Bank, and/or any member bank and/or national Association as prescribed by statute ( the act of March 9, 1933 ; the act of May 12, 1933 ; 12 USC 411 ; 18 USC 8 ; and the intentions of the United States Congress concerning THE CURRENT SERIOUS NATIONAL EMERGENCY ). When XXXX purchased the home she required proof that the funds would be wired and or a check would need to be signed if she was receiving a loan from a bank. No bank was present during the alleged lending process made up by XXXX. It is stated that United States coins and currency ( including Federal reserve notes and circulating notes of Federal reserve banks and national banks ) are legal tender for all debts, public charges, taxes, and dues. Foreign gold or silver coins are not legal tender for debts. Rather XXXX failed to state this in their letter what type of currency they would be willing to accept, they where just bent and focused upon not receiving the Tender Of Payment from XXXX XXXX XXXX which is discrimination because the law and or act of 1933 states that this currency is accepted for all property. Plaintiff XXXX XXXX XXXX presented the type of payment thereto PennyMac rather they declined the payment. Based upon law whereas XXXX claims that there is no case law [ purgingthemselves ] that supports the Tender Of Payment Currency. Please see below the case laws for types of Currency used for paying for property be it judicial or non judicial Mortgage or Deed Of Trust. In the United States, a mortgage note ( also known as a real estate lien note, borrower 's note ) is a promissory note secured by a specified mortgage loan. Mortgage notes are a written promise to repay a specified sum of money plus interest at a specified rate and length of time to fulfill the promise. It's the promissory note that contains the promise to repay the amount borrowed. ( Learn more about promissory notes. ) While a promissory note is basically an IOU that contains the promise to repay the loan, the mortgage or deed of trust is the document that pledges the property as security for the loan. 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) 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 endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. NOTICE : XXXX nor other Defendants never made mention thereto what currency they where speaking of be it XXXX Federal Reserve Notes etc, .. They the Defendants only hinted toward types of formats of payments such as Check Money Order but that is non descriptive and misleading in explanation without clarity and definition. Thus being fraud. XXXX failed to provide law [ s ] that exempts them from not receiving the Tender of Payment. Whereas the law says that if the Tender Of Payment is not accepted and a letter declining the payment stating denial this makes that debt discharged by law as presented multiple times to XXXX and XXXX XXXX Please see Defendant ( s ),  XXXX, the alleged servicer to and XXXX XXXX unknown participants, whom alleges to have servicing rights from XXXX whom have no employees nor an office location physically. As well no known addresses and corporate employees not even a secretary whom have been alleged to be the originator of loan made up fraudulent loan attempt, also the Nominee and beneficiary, XXXX XXXX also known as the alleged Trustee on behalf of XXXX unknown in relationship as to Trustee, XXXX XXXX made attempts to send notices via regular mail during the time of XX/XX/XXXX, whereas they threatened to foreclose and sale without verification and or validation and no contract between XXXX XXXX XXXX and said corporations and or banks including XXXX. Defendants entered into this matter related to a trust in the capacity that is unsustainable, and thus is perceived as standing in its unadulterated non-immune capacity and is liable for all damages incurred, assessments as well as penalties. On its face it appears that the Respondents intent and purpose, was to take up the election to treat the within reference complaint as a dream, rather than a promise to pay. A complaint is a promise to pay, and a draft is an order to pay, and the person holding the instrument can treat it as either. The court converted the coolant to a draft [ a nom of currency conversion ]. There might be cause for one to raise and/or complaint that they lack understanding, so can the research department contact their legal department and have them respond? Rather the Research Dept makes it oh so confusing as to who is really speaking on the behalf of XXXX and or XXXX XXXX. PROOF OF PAYMENT FROM CREDITED ACCOUNT : - The Plaintiff XXXX XXXX XXXX has presented proof that the funds were drawn from her infant trust account due to her private account number [ Social Security Number ] credited account number was used to purchase the property and XXXX or the Defendants failed to dispute this fact. When there is no check to provide payment or a wire confirmation of payment according to the Nevada law i.e. GOOD FUNDS : Which was made effective XX/XX/XXXXctober 1, 2009, whereas the State Of Nevada enacted the Good Funds legislation [ NRS645A ] The law states that for escrow to close on the same day of closing the transaction with the Title company funds would be Tendered in office by interbank electronic wire transfer during the same day. Well this contradicts XXXX and their proof of alleged loan because the wire transaction or check was not produced by the end of day business in fact there wasn't any transaction or loan check created by XXXX because they where not present. Nor was XXXX involved in the beginning of the purchase of the Plaintiffs XXXX XXXX XXXX. More over XXXX appeared on XXXX XXXX XXXX credit in XXXX of XXXX not on the day of closing which was XX/XX/XXXX. There was and is no proof of a loan from XXXX XXXX XXXX nor XXXX XXXX XXXX. The only information for wire came from XXXX XXXX XXXX the infant trust. The wire transfer came from a Federal Reserve Bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX [ XXXX ] whereas the Plaintiffs account is held. No record of XXXX nor XXXX XXXX involvement during said wire. Please see the Affidavit of Preemptive Letter Without Rebuttal after 30 days [ XXXX XXXX XXXX ]  Just as in the case law presented herein there was no money transferred from one bank in this matter to another bank show a loan took place. This is plainly presented thereto XXXX and XXXX XXXX on multiple occasions within three affidavits and one judgment against the Defendants herein. It was stated by XXXX in writing thereto the CFPB and to the Plaintiff by way of letter and USPS mail that XXXX does not recognize your proposed process as legitimate under the terms of the Note and the laws of the State of Nevada or the United States. In fact, your views are not recognized by any court of law or administrative tribunal within the United States. It is XXXX position that any court or other extra-legal proceedings initiated by you and/or your alleged notary/escrow agent in this matter against XXXX, its officers, agents, or vendors, as a result of XXXX complying with its rights, obligations or requirements under the terms of the Note and Deed of Trust, and Federal and/or State law would be frivolous, without merit, and an abuse of process. You are further reminded that your obligations under the terms of this duly executed Note and Deed of Trust are binding, valid and fully enforceable at law. XXXX must respectfully decline the Tender of Payment Offering Government Obligations Remittance Coupon that you have mailed to XXXX with the intent to fully satisfy and discharge this loan. You are again reminded that said document will not fully satisfy your obligation under the terms of the Deed of Trust and Note for the loan, and is not an acceptable form of payment or an allowable transfer of property, as described under the Deed of Trust and the Note for the above referenced loan obligation. XXXX will not accept or honor the Government Obligations Remittance Coupon. In your correspondence your request the removal or discharge of the loan from the credit reporting agencies. XXXX must respectfully decline your request to remove the reporting as the loan is valid, due and payable. XXXX holds the original Note you signed with XXXX XXXX XXXX, a Corporation ( XXXX ). This is Fraud identity theft and perjury! Committed by all the Defendants herein. XXXX and their agents stated that XXXX XXXX XXXX allege that XXXX and Federal National Mortgage Association ( FNMA ), have altered, recreated or modified loan documents. Enclosed are copies of the original loan documents you signed with XXXX, which were transferred to XXXX upon the servicing transfer. As evidenced by the documents, no alterations have been made to any of the documents. It is common practice for the loan number to change as the loan transfers between servicers as specified in the Welcome Letter ( copy enclosed ) provided, but all original terms remain the same. Should you wish to make an appointment to come to our office and view the original signed Note, it will be available for a period of 60 days from the date of this letter. You may call and schedule an appointment to come and view the original document by calling me directly or by calling Mr. XXXX XXXX, Supervisor of XXXX Research and Correspondence Department, at ( XXXX ) XXXX extension XXXX. In your correspondence dated XX/XX/XXXX, you state that you have proof that your loan was paid off by way of your Infant Trust Account but do not reference a date in which the full payoff of the loan was made. If you have made a payment in full of this loan, please provide me with a copy of the cashed certified funds check or proof of wire so that I may further research the location of the funds. As of the date of this letter, your loan is due for the XX/XX/XXXX. The unpaid principal balance is {$390000.00}. This is Fraud identity theft and perjury! Committed by all the Defendants herein. Plaintiff had made multiple attempts to resolve the matter XXXX and or the Defendants herein continues to send strange letters without verifying who the letter is from threatening to foreclose on the property owned and paid for by XXXX XXXX XXXX. In fact there is no other routing numbers other than that of my personal and private infant trust account and the routing number of the bank that is tied to my infant trust account located in Texas. There is no check return check signed by me thereto the Defendants and there is no proof of a loan by the defendants at any point in time. XXXX makes excuses on not answering the questions legally posed to them trying not to incriminate the controllers and implicate others such as XXXX and XXXX. According to the FCRA the debt must be disclosed in all facets and any lack of disclosure nullifies any alleged contract. As well there is no lien or credit history from the date of the purchase of said property on XX/XX/XXXX whereas if XXXX was involved which they where not, their time line and statute of limitations for recording this information expired on XX/XX/XXXX. For there is no record of the Defendants until XX/XX/XXXX.","date_sent_to_company":"2019-06-08T19:05:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89149","tags":null,"has_narrative":true,"complaint_id":"3268497","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-06-08T19:05:29.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["You are further <em>reminded</em> that your obligations under the terms of this duly executed Note and Deed of Trust are binding, valid and fully enforceable at law. XXXX must respectfully decline the Tender of Payment Offering Government Obligations Remittance <em>Coupon</em> that you have mailed to XXXX with the intent to fully satisfy and discharge this loan."]},"sort":[7.321827,"3268497"]},{"_index":"complaint-public-v1","_id":"3268489","_score":7.321827,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX and XXXX XXXX appears on my credit report as of XX/XX/XXXX Whereas i never had done any business with either party concerning my property home and land. I have sent this information thereto all parties multiple times. XXXX has reported me late on three occasions but can not provide verification and validation proof of a contract between myself and them. In fact i have shown that this property was paid in full by way of my infant trust account. Rather credit agencies have ignored this fact. POINTS OF AUTHORITIES - The Plaintiff herein i, woman, XXXX XXXX XXXX had presented XXXX a payment in full as she has done in the beginning of the initial purchase of her property and home on XX/XX/XXXX. Whereas the law states that \" The ownership of all property is in the state by virtue of the government \" Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of XXXX, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) INTENTIONS : The above United States government obligations is hereby accepted and acknowledged and I do assign and pledge the total value of the obligation to the United States of America through the United States Department of the Treasury to be redeemed for value and receivable at the Federal Reserve, the Federal Reserve Bank, and/or any member bank and/or national Association as prescribed by statute ( the act of March 9, 1933 ; the act of May 12, 1933 ; 12 USC 411 ; 18 USC 8 ; and the intentions of the United States Congress concerning THE CURRENT SERIOUS NATIONAL EMERGENCY ). When XXXX  purchased the home she required proof that the funds would be wired and or a check would need to be signed if she was receiving a loan from a bank. No bank was present during the alleged lending process made up by XXXX. It is stated that United States coins and currency ( including Federal reserve notes and circulating notes of Federal reserve banks and national banks ) are legal tender for all debts, public charges, taxes, and dues. Foreign gold or silver coins are not legal tender for debts. Rather XXXX  failed to state this in their letter what type of currency they would be willing to accept, they where just bent and focused upon not receiving the Tender Of Payment from XXXX XXXX XXXX which is discrimination because the law and or act of 1933 states that this currency is accepted for all property. Plaintiff XXXX   XXXX XXXX presented the type of payment thereto XXXX rather they declined the payment. Based upon law whereas XXXX claims that there is no case law [ purgingthemselves ] that supports the Tender Of Payment Currency. Please see below the case laws for types of Currency used for paying for property be it judicial or non judicial Mortgage or Deed Of Trust. In the United States, a mortgage note ( also known as a real estate lien note, borrower 's note ) is a promissory note secured by a specified mortgage loan. Mortgage notes are a written promise to repay a specified sum of money plus interest at a specified rate and length of time to fulfill the promise. It's the promissory note that contains the promise to repay the amount borrowed. ( Learn more about promissory notes. ) While a promissory note is basically an IOU that contains the promise to repay the loan, the mortgage or deed of trust is the document that pledges the property as security for the loan. 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) 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 endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. NOTICE : XXXX  nor other Defendants never made mention thereto what currency they where speaking of be it fiat Federal Reserve Notes etc, .. They the Defendants only hinted toward types of formats of payments such as Check Money Order but that is non descriptive and misleading in explanation without clarity and definition. Thus being fraud. XXXX  failed to provide law [ s ] that exempts them from not receiving the Tender of Payment. Whereas the law says that if the Tender Of Payment is not accepted and a letter declining the payment stating denial this makes that debt discharged by law as presented multiple times to XXXX  and XXXX XXXX Please see Defendant ( s ), XXXX, the alleged servicer to and XXXX XXXX unknown participants, whom alleges to have servicing rights from XXXX whom have no employees nor an office location physically. As well no known addresses and corporate employees not even a secretary whom have been alleged to be the originator of loan made up fraudulent loan attempt, also the Nominee and beneficiary, XXXX XXXX also known as the alleged Trustee on behalf of XXXX unknown in relationship as to Trustee, XXXX XXXX made attempts to send notices via regular mail during the time of XX/XX/XXXX, whereas they threatened to foreclose and sale without verification and or validation and no contract between XXXX XXXX XXXX and said corporations and or banks including XXXX. Defendants entered into this matter related to a trust in the capacity that is unsustainable, and thus is perceived as standing in its unadulterated non-immune capacity and is liable for all damages incurred, assessments as well as penalties. On its face it appears that the Respondents intent and purpose, was to take up the election to treat the within reference complaint as a dream, rather than a promise to pay. A complaint is a promise to pay, and a draft is an order to pay, and the person holding the instrument can treat it as either. The court converted the coolant to a draft [ a nom of currency conversion ]. There might be cause for one to raise and/or complaint that they lack understanding, so can the research department contact their legal department and have them respond? Rather the Research Dept makes it oh so confusing as to who is really speaking on the behalf of XXXX and or XXXX XXXX. PROOF OF PAYMENT FROM CREDITED ACCOUNT : - The Plaintiff XXXX XXXX XXXX has presented proof that the funds were drawn from her infant trust account due to her private account number [ Social Security Number ] credited account number was used to purchase the property and XXXX or the Defendants failed to dispute this fact. When there is no check to provide payment or a wire confirmation of payment according to the Nevada law i.e. GOOD FUNDS : Which was made effective XX/XX/XXXX, whereas the State Of Nevada enacted the Good Funds legislation [ NRS645A ] The law states that for escrow to close on the same day of closing the transaction with the Title company funds would be Tendered in office by interbank electronic wire transfer during the same day. Well this contradicts XXXX  and their proof of alleged loan because the wire transaction or check was not produced by the end of day business in fact there wasn't any transaction or loan check created by XXXX  because they where not present. Nor was XXXX involved in the beginning of the purchase of the Plaintiffs XXXX XXXX XXXX. More over XXXX  appeared on XXXX XXXX XXXX credit in XX/XX/XXXX not on the day of closing which was XX/XX/XXXX. There was and is no proof of a loan from XXXX XXXX XXXX nor XXXX XXXX XXXX. The only information for wire came from XXXX XXXX XXXX the infant trust. The wire transfer came from a Federal Reserve Bank located at XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX [ XXXX ] whereas the Plaintiffs account is held. No record of XXXX nor XXXX XXXX involvement during said wire. Please see the Affidavit of Preemptive Letter Without Rebuttal after 30 days [ XXXX XXXX XXXX ] Just as in the case law presented herein there was no money transferred from one bank in this matter to another bank show a loan took place. This is plainly presented thereto XXXX and XXXX XXXX on multiple occasions within three affidavits and one judgment against the Defendants herein. It was stated by XXXX in writing thereto the CFPB and to the Plaintiff by way of letter and USPS mail that XXXX does not recognize your proposed process as legitimate under the terms of the Note and the laws of the State of Nevada or the United States. In fact, your views are not recognized by any court of law or administrative tribunal within the United States. It is XXXX  position that any court or other extra-legal proceedings initiated by you and/or your alleged notary/escrow agent in this matter against XXXX, its officers, agents, or vendors, as a result of XXXX  complying with its rights, obligations or requirements under the terms of the Note and Deed of Trust, and Federal and/or State law would be frivolous, without merit, and an abuse of process. You are further reminded that your obligations under the terms of this duly executed Note and Deed of Trust are binding, valid and fully enforceable at law. XXXX must respectfully decline the Tender of Payment Offering Government Obligations Remittance Coupon that you have mailed to XXXX   with the intent to fully satisfy and discharge this loan. You are again reminded that said document will not fully satisfy your obligation under the terms of the Deed of Trust and Note for the loan, and is not an acceptable form of payment or an allowable transfer of property, as described under the Deed of Trust and the Note for the above referenced loan obligation. XXXX will not accept or honor the Government Obligations Remittance Coupon. In your correspondence your request the removal or discharge of the loan from the credit reporting agencies. XXXX  must respectfully decline your request to remove the reporting as the loan is valid, due and payable. XXXX  holds the original Note you signed with XXXX XXXX XXXX, a Corporation ( XXXX ). This is Fraud identity theft and perjury! Committed by all the Defendants herein. XXXX and their agents stated that XXXX XXXX XXXX allege that XXXX   and XXXX XXXX XXXX XXXX ( XXXX ), have altered, recreated or modified loan documents. Enclosed are copies of the original loan documents you signed with XXXX, which were transferred to XXXX upon the servicing transfer. As evidenced by the documents, no alterations have been made to any of the documents. It is common practice for the loan number to change as the loan transfers between servicers as specified in the Welcome Letter ( copy enclosed ) provided, but all original terms remain the same. Should you wish to make an appointment to come to our office and view the original signed Note, it will be available for a period of 60 days from the date of this letter. You may call and schedule an appointment to come and view the original document by calling me directly or by calling Mr. XXXX XXXX, Supervisor of XXXX  Research and Correspondence Department, at ( XXXX ) XXXX extension XXXX. In your correspondence dated XX/XX/XXXX, you state that you have proof that your loan was paid off by way of your Infant Trust Account but do not reference a date in which the full payoff of the loan was made. If you have made a payment in full of this loan, please provide me with a copy of the cashed certified funds check or proof of wire so that I may further research the location of the funds. As of the date of this letter, your loan is due for the XX/XX/XXXX. The unpaid principal balance is {$390000.00}. This is Fraud identity theft and perjury! Committed by all the Defendants herein. Plaintiff had made multiple attempts to resolve the matter XXXX and or the Defendants herein continues to send strange letters without verifying who the letter is from threatening to foreclose on the property owned and paid for by XXXX XXXX XXXX. In fact there is no other routing numbers other than that of my personal and private infant trust account and the routing number of the bank that is tied to my infant trust account located in Texas. There is no check return check signed by me thereto the Defendants and there is no proof of a loan by the defendants at any point in time. XXXX  makes excuses on not answering the questions legally posed to them trying not to incriminate the controllers and implicate others such as XXXX  and XXXX. According to the FCRA the debt must be disclosed in all facets and any lack of disclosure nullifies any alleged contract. As well there is no lien or credit history from the date of the purchase of said property on XX/XX/XXXX whereas if XXXX was involved which they where not, their time line and statute of limitations for recording this information expired on XX/XX/XXXX. For there is no record of the Defendants until XX/XX/XXXX.","date_sent_to_company":"2019-06-08T19:05:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"89149","tags":null,"has_narrative":true,"complaint_id":"3268489","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-06-08T18:41:50.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["You are further <em>reminded</em> that your obligations under the terms of this duly executed Note and Deed of Trust are binding, valid and fully enforceable at law. XXXX must respectfully decline the Tender of Payment Offering Government Obligations Remittance <em>Coupon</em> that you have mailed to XXXX   with the intent to fully satisfy and discharge this loan."]},"sort":[7.321827,"3268489"]},{"_index":"complaint-public-v1","_id":"8925793","_score":4.902481,"_source":{"product":"Mortgage","complaint_what_happened":"Timeline for contacting Citizens one ( Bank, Mortgage ) and XXXX, XXXX XXXX XXXX,XX/XX/XXXXXX/XX/XXXX recd email from Citizens for year-end tax statements for XXXX. Just a reminder they will let me know when they are ready. Has information to sign up for the mobile app. I wasnt able to sign up as the account was not found. \n\nXX/XX/XXXX email from Citizens that the year end tax statements were available online. In order to access the account, it has that we needed to enroll. Gave enrolling information. I wasnt able to log into an account as every time I entered the information the account wasnt found. \n\nXX/XX/XXXX I received text messages ( XXXX ) to sign paperwork for when XXXX XXXX was behind on payments. I was told I needed to sign this paperwork because we were separated. I was living at the residence but had no idea how far behind he was. He claimed when he was sick in XXXX that he couldnt pay due to not working. At this time covid was around but he collected unemployment as well as XXXX. We had an agreement that he paid the house payment and I paid all of the other bills since XXXX. \nI found out when he left in XX/XX/XXXX that the house was going to go into foreclosure. I received certified mail in his name. \n\nXX/XX/XXXX received text message to sign this paperwork but XXXX XXXX getting back to her or me. Citizens provided my personal cell and his. \n\nXX/XX/XXXX received a text message that we were ready to sign for a loan modification. I was unaware but XXXX contacted them. \n\nXX/XX/XXXX received a text message that XXXX was waiting to see if he was getting some XXXX to help pay the XXXX that was owed. He didnt want to do the loan modification if this XXXX would be issued. The account was put on hold. \n\nXX/XX/XXXX XXXX told me and XXXX he was ready to sign. He came to the house so that we could sign paperwork. \n\nXX/XX/XXXX XXXX didnt tell the bank he didnt live at the house. So I was uncomfortable signing but I didnt want to loose the house. We were told by the XXXX XXXX XXXX that came to the house for XXXX and I to sign and notarize paperwork, that we would be getting a statement and follow up paperwork. Paperwork states under where I signed that signing solely to acknowledge this Agreement, but not to incur any personal liability for the debt. \n\nXX/XX/XXXX did not get a bill or statement from Citizens, XXXX stated he thought all was good, but he was going to call them. I tried but was told nothing due to not being on the loan. \n\nXX/XX/XXXX I am still asking to get a statement from Citizens. \n\nXX/XX/XXXX no statement and XXXX hasnt called to get an update XX/XX/XXXX no statement yet and XXXX hasnt called. I tried calling Citizens again but could only get some information this time but nothing about the loan. \n\nXX/XX/XXXX Citizens told XXXX they were going to send out a statement. \n\nXX/XX/XXXX No statement and this is the XXXX month nothing was paid. XXXX states when he called they told him the paperwork wasnt finalized yet. He mentioned to them that the last time he called he was told it was accepted. They told him the paperwork wasnt finalized yet. \n\nXX/XX/XXXX still nothing from Citizens. XXXX called and they told him the paperwork wasnt finalized yet. We would get notification of the changes and statement due. \n\nXX/XX/XXXX received a letter dated XX/XX/XXXX from Citizens that XXXX is overdue. XXXX stated he was told the loan wasnt approved yet and each time he called Citizens gave him a different explanation. This was a default letter that a breach was made from the Note and the Mortgage or Deed of Trust. Not making a payment for XX/XX/XXXX and XX/XX/XXXX. \n\nXX/XX/XXXX XXXX XXXX Citizens and asked about putting the loan in my name but they told him it wasnt possible without me doing a refinance. \n\nXX/XX/XXXX I called Citizens again but was told XXXX needed to give a verbal so I was able to talk to them. We didnt have an online account and I wanted to set one up to make payments faster. \n\nXX/XX/XXXX received a statement and the payment was XXXX due XX/XX/XXXX. \n\nXX/XX/XXXX XXXX called Citizens to give a verbal like they told me to have him do. They told him the verbal only applied if he was speaking to them then handed me the phone. He doesnt live in the house I did. \n\nXX/XX/XXXX received a confidential letter I had to sign for. I let XXXX know and he gave me permission to open it. Paperwork was if we wanted to do a loan modification. I thought we just did a loan modification in XXXX We never received a statement until it wasXX/XX/XXXX days late already. \nThe bank told us that in order to lower the payment ( modification ) XX/XX/XXXXXX/XX/XXXX of on time payments needed to be done. We were told wed get a statement and never did. \n\nXX/XX/XXXX received letter from Citizens that payment will be {$1500.00}. A escrow shortage of {$1600.00} is due and can voluntary be paid or it would be collected in equal amounts. Escrow shortage payment coupon Loan # XXXX in amount of {$1600.00} to be mailed to Citizens XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX. \n\nXX/XX/XXXX called Citizens to get paperwork so I was able to call to make payments, talk to them about the loan. \n\nXX/XX/XXXX A call was made again from XXXX to ask about getting an online account. He was told to go online and sign up. They had the account locked due to the only way for him to get the password was through text. They had his old phone number, this is still not changed. \n\nXX/XX/XXXX received letter ( dated XX/XX/XXXX ) from Citizens that effective XX/XX/XXXX XXXX payment will be {$1600.00}. This has total escrow due is Property Tax XXXX, XXXX XXXX XXXX XXXX and Mortgage Insurance XXXX total {$6900.00}. Their estimated total for the next XX/XX/XXXX months. \n\nXX/XX/XXXX XXXX that the forbearance loan modification were not done due to getting a XXXX. The XXXX goes against the XX/XX/XXXX and will be collected when the house is sold. Payment for XX/XX/XXXX will now be {$1800.00}. This left a balance of about XXXX. \n\nXX/XX/XXXX called Citizens about letter received. I was told by the associate that XXXX should be liable for making payments but for me to make them from my bank account. I was told to get the XXXX paperwork to them ASAP. I needed to call no later than the XXXX of each month to make a payment. She could not give me the information so that I could go online to make a payment at that time? \n\n\n\n\nXX/XX/XXXX told by divorce Lawyer XXXX XXXX that a payment would not be due until XX/XX/XXXX. \n\nXX/XX/XXXX recd XX/XX/XXXXdisclosure notice from Citizens, A brand name of citizens bank, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. Advising requirements to be followed to accomplish a prepayment of the mortgage amount good through XX/XX/XXXX in amount of {$190000.00}. XXXX XXXX XXXX XX/XX/XXXX email from Citizens about tax statements. \n\nXX/XX/XXXX received an email confirming that a payment of {$9300.00} was made. On the email it stated Your next payment is due XX/XX/XXXX. \n\nXX/XX/XXXX received email from citizens at XXXX. XXXX XXXX Authorization paperwork to be signed and faxed to XXXX or mailed to Citizens XXXX : XX/XX/XXXX Was sent to my main email address XX/XX/XXXXXX/XX/XXXX email with XXXXXX/XX/XXXX \n\nXX/XX/XXXX a third party letter signed by XXXX was faxed to Citizens by my divorce lawyer again. \n\nXX/XX/XXXX Called Citizens to see if they could fix the online account. The wrong phone number for XXXX was still the contact to which I could change the password. I was told they didnt have authority to get any account information. I was sent to XXXX different people in different departments before they said they didnt have notes on the account of me being able to get account information. I was directed to refax or mail this then call customer service back. \n\nXX/XX/XXXX received paperwork with this date. Assumption paperwork included. \n\nXX/XX/XXXX email from Citizens with information to sign up to have automatic withdrawls from your bank. Could be paid monthly or bi-weekly. I tried to sign up but no account was found. \n\nXX/XX/XXXX email citizens with a reminder to make payment. I called Citizens to make sure they knew I would make the payment on or before XX/XX/XXXX. They said they would put it in their notes. \n\nXX/XX/XXXX received loan assumption paperwork and was filled out signed and Divorce lawyer sent paperwork. \n\nXX/XX/XXXX called and made payment in the amount of {$1700.00}. \n\nXX/XX/XXXX received email that payment was made on XX/XX/XXXX. \n\nXX/XX/XXXX loan assumption paperwork was sent to Citizens. I called to check when this would be looked at. I was told they could not give me any information due to not being on the loan. I had to remind them of the XXXX XX/XX/XXXX that was faxed to them over a month ago. I was then told by my XX/XX/XXXX I needed to tell them to look for the XXXX party consent in a certain spot in their files. \n\nXX/XX/XXXX Called Citizens and got a run around about the XXXX party consent and the assumption paperwork. I paid the payment on the XXXX like they said I could but the next bill had late charges. I was told it would be taken off and when I called to make a payment to just pay the initial payment not the late charges. \n\nXX/XX/XXXX called and made payment of {$1600.00} over the phone. \n\nXX/XX/XXXX XXXX recd email confirmation that a payment was made XX/XX/XXXX {$1600.00}. \n\nXX/XX/XXXX XXXX stated that he received a call from Citizens and that he needed to call back. When he called they didnt know why a message was left for him to call. \n\nXX/XX/XXXX email recd by Citizens that real estate taxes and/or special assessments were paid from the escrow account. Process date XX/XX/XXXX Description XXXX XXXX XXXX in the amount of {$1400.00}. \n\nXX/XX/XXXX Called Citizens about payment. I asked why this wasnt included in my payment like the letter said from XX/XX/XXXX? I was told by customer service that this was separate from what was owed. I didnt understand but they let me know its part of their process. \n\nXX/XX/XXXX called Citizens to make a payment. The amount given to me to pay was {$3300.00} and no other choices. I had to pay this amount and when I called I was told it was from an accrual for late charges from previous. \n\nXX/XX/XXXX recd email confirmation for payment of XXXX on XX/XX/XXXX. \n\nXX/XX/XXXX called Citizens ( my daughter called ) The amount due was XXXX knowing the payment I wrote down to pay was XXXX. She didnt make the payment. I called and tried to make the normal payment but wasnt able to. I couldnt afford XXXX again. \n\nXX/XX/XXXX Called Citizens to ask why payment was the same as last month. I had to be sent to customer service as they needed to figure out if I was authorized to get information on the account. \n\nXX/XX/XXXX XXXX called the bank about a letter he received about owing XXXX still on the house. The loan was put to the end of the loan. I called to ask what this meant and I was told they could not give me any information. Im the one making the payments and I cant know what is going on? \n\nXX/XX/XXXX called citizens and made payment {$1600.00}. \n\nXX/XX/XXXX recd email confirming payment that processed XX/XX/XXXX. XXXX says next payment due XX/XX/XXXX. \n\nAs of XX/XX/XXXX XXXX blocked my number so anything to do with the mortgage I called. I would get different responses each time Id call. The only way Id know what was going on was when he would tell XXXX of our daughters I needed to call the mortgage company. \nLast payment I made was XX/XX/XXXX due to waiting for Citizens bank to get back to me about the loan assumption. I had lost my employment and was in search of a new job. I did call Citizens to see what I could do. I was advised to have XXXX and I fill out an application for review. \n\nXX/XX/XXXX recd letter about missed payments dated XX/XX/XXXX. In XXXX name but I was okd to open. Instructions to fill out an application paperwork to see if we were eligible but no application was enclosed. Gave where to find these documents. I printed and made copies of everything but wasnt sure where to send. \n\nXX/XX/XXXX called citizens to either get the application and where to send exactly. I was told to fax to Attention Customer service XXXX. I faxed information from my phone. \n\nXX/XX/XXXX called and made payment {$1600.00}. \n\nXX/XX/XXXX recd email confirming payment XX/XX/XXXX for {$1600.00}. Next payment was due on XX/XX/XXXX. \n\n\nXX/XX/XXXX called Citizens to let them know I still was without employment and needed to know the status of the paperwork for help. They were going to mail again because they did not receive it. She said she was mailing it that day. The instructions would be included and where to send back. She said it would take up toXX/XX/XXXXdays for an answer if I was eligible or not after they receive the paperwork. I asked why they didnt receive the last paperwork I sent. I was told that maybe it wasnt uploaded yet. She was going to send the paperwork out anyway. \n\nXX/XX/XXXX recd certified letter for XXXX. I had to email theXX/XX/XXXX to get permission to open and it was granted. Letter dated XX/XX/XXXX records showed loan wasXX/XX/XXXX days in default the amount of {$1800.00} was due immediately. Given options to contact HUD to locate programs and counseling. To discuss and find a solution to call XXXXXX/XX/XXXXXXXX. Website for HUD was given and a number XXXX. I called and was told to send proper paperwork. Which was already sent but no record of it. \n\nXX/XX/XXXX recd paperwork dated XX/XX/XXXX for options to help. Letter was in XXXX name again. I was given permission by email from XX/XX/XXXXto open the letter. \n\nXX/XX/XXXX called Citizens to find out about the assumption paperwork. I recd paperwork but didnt want to open it since it wasnt in my name. It was addressed to XXXX XXXX. I tried to tell them to send it in my name. I was transferred to customer service, and they told me theyd send me a packet in my name. I contacted the divorce lawyer to see if he could contact XXXX. \n\nXX/XX/XXXX Divorce final called Citizens to get fax information again to send them the information. I was told again that they did not receive the paperwork. I needed to include the divorce degreeXX/XX/XXXXalong with the application paperwork. \n\nXX/XX/XXXX received paperwork from Citizens but in XXXX name. Since I couldnt get ahold of him I didnt open the packet. I called Citizens and let them know again that XXXX XXXX lived at the house since XX/XX/XXXX and if all paperwork could be addressed to me or both of us. I was told theyd send what I needed in my name. \n\nXX/XX/XXXX3 Divorce, assumption XXXX party notification and all legal documents were faxed. I was told to fax to XXXX. Faxed from XX/XX/XXXX on XX/XX/XXXX at XXXX AM. Confirmation XXXX XX/XX/XXXXreceipt XXXX in the amount of {$33.00} to have certified fax and confirmation. \n\nXX/XX/XXXX per divorceXX/XX/XXXXdegree deed needed to be changed by XXXX but wasnt done within the XXXX tome frame. EmailedXX/XX/XXXX and was told to find a title company. \n\nXX/XX/XXXX found help to get title for a quick claims deed. Recd paperwork by email and paperwork was signed and notarized by XXXX by XXXX XXXX XXXXXX/XX/XXXX \n\nXX/XX/XXXX paperwork was recd signed by mail. I filed with the XXXX XXXX XXXX XXXX and XXXX at XXXX and paid a fee of {$52.00}. \n\nXX/XX/XXXX received letter Notice of Default from XXXX, XXXX XXXX XXXX, XXXX. XXXX a message on XXXX. XXXX was dated XX/XX/XXXX in mine and XXXX name. Payment of {$10000.00} was due. Has husband and wife but divorce was final XX/XX/XXXX and paperwork was sent many times. Their file XXXX : XXXX XX/XX/XXXX called and left XXXX messages for a call back from Attorney. \n\nXX/XX/XXXX Called XX/XX/XXXX and left a voice message for a call back and that I left XXXX voice mails XX/XX/XXXXdays ago with no call back. \n\nXX/XX/XXXX Called Citizens to find out if they can help me. I was given HUD website information. I was able to contact through email my situation. \n\nXX/XX/XXXX recd another another letter from XXXX, XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX,XX/XX/XXXX XXXX, fax XXXX. XXXX dated XX/XX/XXXX addressed to me for a pay off as XX/XX/XXXX of {$180000.00}. Copy of a preforeclosure XXXX Notice was enclosed. \n\nXX/XX/XXXX Called XXXX XXXX HUD and left a XXXX recd a call from XXXX and scheduled XXXX meet with her on XX/XX/XXXX XX/XX/XXXX XXXX XXXX HUD counselor called Citizens bank. They never recd any paperwork from me that stated. When asking what my options were they werent able to explain. When asking about the escrow balances from month to month with great balance abnormalities. XXXX questioned the details XX/XX/XXXXXXXX statement escrow was -- -- XXXX, balance due was XXXX on XXXX XXXX XXXXXX/XX/XXXXXXXX escrow was XXXX, balance due XXXX, due date XX/XX/XXXXXXXX before XXXX XXXX to avoid late charges. Recent account history has XX/XX/XXXX pd in full XX/XX/XXXX, XX/XX/XXXX paid in full XX/XX/XXXX, XX/XX/XXXX paid in full XX/XX/XXXX.XX/XX/XXXXXXXX statement escrow was XXXX with balance due of XXXX due XX/XX/XXXX. XXXX XXXX, XXXX statement escrow was XXXX and payment due XXXX due XX/XX/XXXX. XXXX, XXXX statement escrow XXXX, payment due XXXX, XXXX, XXXX. This statement doesnt show payments that were made. \n\nXX/XX/XXXX statement escrow XXXX, payment due XXXX. Doesnt show payments already made. \nNext statement recd was for XX/XX/XXXX, escrow XXXX, payment due XXXX on XXXX XXXX. \nEscrow XX/XX/XXXX was XXXX, escrow for XX/XX/XXXX XXXX due XX/XX/XXXX XXXX. XX/XX/XXXX statement XXXX, payment of XXXX due XX/XX/XXXX. O Escrow payment was explained to be a payment of XXXX, then we were told XXXX by another department. When switched to customer service again it was XXXX and we asked to speak with a supervisor. We were told the supervisor wasnt available and that she would call back. Due to me having to schedule an appointment we asked to get a deffinate time theyd call. They could not give us one. We were told to fax to Citizens Bank Customer Service to XXXX. We were told that the fax number I faxed to in XXXX they didnt recognize as a fax number of theirs. Paperwork was faxed from XXXX. \nWe were told to wait for paperwork to be approved and that it could take up to XX/XX/XXXX days after they receive and upload the paperwork. \nWas told to go on their website to be able to log on https : XX/XX/XXXX We were able to create a log in and sent by email documents that were for their application process along with faxing the information. \n\nXX/XX/XXXX XXXX XXXX left a message for theXX/XX/XXXX at the number provided for a call back. \n\nXX/XX/XXXX XXXX XXXX and I called Citizens bank back and were sent to Customer Service. They told us that the loan needed to be assumed into my name before they could help me with the loan hardship. It was explained that this paperwork was sent a few times and we were told they didnt receive it. \n\nXX/XX/XXXX received an email that the account was XX/XX/XXXX days late. \n\nXX/XX/XXXX I emailed XXXX XXXX because I wasnt able to log onto the Citizens website and havent recd any paperwork yet. I also lost my job and I wanted to update her with the letter I received for my termination. \n\nXX/XX/XXXX appointment with XXXX XXXX HUD counselor. We called Citizens bank and were told they couldnt give us any information and were sent to XXXXXX/XX/XXXXXXXX. We werent able to get a straight answer. Told to call back on XX/XX/XXXXXX/XX/XXXX at XXXX after XXXXXX/XX/XXXXto verify they received paperwork XXXX was another number given to call. These numbers were wrong when I called back a XX/XX/XXXX or so later. \n\nXX/XX/XXXX recd certified letter and my daughter had to sign for the letter. XXXX XXXX paperwork summons from Citizens Bank XX/XX/XXXX, Myself, XXXX XXXX XXXX, XXXX XXXX XXXX, acting by and through XX/XX/XXXX, and all other persons unknown claiming any right, title, estate, interest or lein in the real estate described in the complaint herein, XXXXXX/XX/XXXX.XX/XX/XXXX other civil Mortgage Foreclosure by action. Has for me to log onto XX/XX/XXXX courts website to fill out an answer within XX/XX/XXXXdays from date received, or XX/XX/XXXX days if in the XXXXThe nature of the action is judicial foreclosure. Name on this is XX/XX/XXXX Dated XX/XX/XXXX XX/XX/XXXX emailed XXXX XXXX about the paperwork. \n\nXX/XX/XXXX called and XX/XX/XXXX on her XXXX that I havent heard from the mortgage company and that Ive left messages with theXX/XX/XXXX and no call back. \n\nXX/XX/XXXX Emailed XXXX XXXX that the number that were given were wrong XXXX wouldnt go through and the other wasnt customer service. I had to explain t them the situation to only be told they they couldnt give me any loan information because my name was not on the loan or authorized to give information to. I was also told there was no notes or documentation about our calls from previous. I told her I wanted a supervisor to call me back. They ( she said her name was XXXX ) scheduled for me to get a call back on XX/XX/XXXX between XXXX from the supervisor. \n\nXX/XX/XXXX XXXX XXXX emailed me back that she wasnt available and that when we called we talked to XXXX XXXX and and XXXX from our last phone call together. \n\nXX/XX/XXXX No call from the Supervisor. I emailed XXXX to let her know. \n\nXX/XX/XXXX XXXX emailed me to set up an appointment to make phone calls again. Appointment was scheduled for XX/XX/XXXX. \n\nXX/XX/XXXX recd a XXXX from XXXX from Citizens the supervisor for customer service. She advised for me to contact anyone at customer service and they could be able to give me the notes she left on the account for me. The number was XXXX. \n\nXX/XX/XXXX XXXX and I called Citizens and were connected with customer service they told us we werent authorized to get account information. He gave me what was owed but no notes on the loan. \nWe were sent to collections and spoke to XXXX XXXX he said we needed to talk to someone in research and fulfillment their number. After explaining to him what was going on he explained to fax paperwotk to XXXX, this was done right away. \nHe explained he cant give out any other information but did tell us to fax the necessary paperwork and that theyd work on this and it would be XXXX days after they receive the paperwork. \n\nXX/XX/XXXX recd email from citizens to my personal email at XXXXXX/XX/XXXX that this is a notice that they closed their review for assistance package. To contact them but no name or number was listed. \n\nXX/XX/XXXX recd email from citizens to my personal email at XXXX Notice to inform that they received and are currently working on items sent by me. If questions contact XXXX XXXX below : No name or XXXX provided. \n\nXX/XX/XXXX recd email to my personal email from Citizens at XXXXXX/XX/XXXX Notice is to inform you that we received and are currently reviewing additional items sent by you. XXXX XXXX XXXX below : No name or Number provided. \n\nXX/XX/XXXX recd email from Citizens at XXXX PM Congratulations! Your package has been deemed complete. If questions contact XXXX XXXX below : No name or Number provided. \n\n\nXX/XX/XXXX appointment with XXXX XXXX HUD counselor called Citizens and spoke with XXXX to be told there were no notes or paperwork on the loan. She said we basically needed to contact theXX/XX/XXXXinvolved. Because they no longer where able to deal with the loan. She said we needed to contact them and send them the paperwork. XXXX we left message for the attorney XXXX for a call back. She also said special loans where not performed by research and fulfillment. \n\nXX/XX/XXXX contacted commerce spoke with XXXX about the bank. We were told to call XXXX. Spoke to XXXX she explained that citizens bank wasnt in there jurisdiction. She said for us to file with CFPB. Gave the web site XX/XX/XXXX XXXX from XXXX with XXXX, XXXX XXXX XXXX. XXXX at XXXX. She was returning our call nd gave her direct line XXXX. Left message for a call back. XXXX left message for a call back. \n\nXX/XX/XXXX Called XXXX fromXX/XX/XXXXand left a detailed message for a call back. I called the attorneys office also and left a message. XXXX also called and left a message for them. \n\nXX/XX/XXXX XXXX emailed me that he recd paperwork and that he called Citizens and they told him I was behind on payments from XX/XX/XXXX. They also let him know that no attempts were made by me to contact them. He threatened to sell the house to a friend of his that bought foreclosed houses. He then told me hed see me in court. He said hed be contacting theXX/XX/XXXXand if I dont show up in court Ill lose the house and be in contempt of court. I do not have any paperwork with a court date. \n\nXXXX XXXX to contact a XX/XX/XXXXI called XXXX XXXX to help me with what to do and if I could sell the house. I emailed XXXX all documents to review. She called the XX/XX/XXXXand left a message. Left message while on phone with XXXX to the XX/XX/XXXX for a call back XXXX. \nXXXX calledXX/XX/XXXX and was sent to XXXX XXXX XXXX leave a message. \nXXXX called the XX/XX/XXXXand left message on main number and XXXX XXXX \n\nXX/XX/XXXX XXXX left message with the courthouse XXXX XXXX court XXXX XXXX. I called XXXX XXXX XXXX about the deed it was issued XXXX in my name. \n\nXX/XX/XXXX XXXX was able to get ahold of XXXX of theXX/XX/XXXX after she threatened to call the attorney general. TheXX/XX/XXXX told her she needed to look on page XXXX of the paperwork for the amount due. He wouldnt give that information to her. After looking through paperwork sent I did not receive page XXXX. Just pages XXXX.","date_sent_to_company":"2024-05-03T15:17:19.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"550XX","tags":null,"has_narrative":true,"complaint_id":"8925793","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIZENS FINANCIAL GROUP, INC.","date_received":"2024-05-03T15:00:24.000Z","state":"MN","company_public_response":null,"sub_issue":"Foreclosure"},"highlight":{"complaint_what_happened":["I had to <em>remind</em> <em>them</em> of the XXXX XX/XX/XXXX that was faxed to <em>them</em> over a month ago. I was then told by my XX/XX/XXXX I needed to tell <em>them</em> to look for the XXXX party consent in a certain spot in their files. \n\nXX/XX/XXXX Called Citizens and got a run around about the XXXX party consent and the assumption paperwork. I paid the payment on the XXXX like they said I could but the next bill had late charges."]},"sort":[4.902481,"8925793"]},{"_index":"complaint-public-v1","_id":"8050948","_score":3.5513444,"_source":{"product":"Student loan","complaint_what_happened":"I have been denied relief for Firstmark 's billing errors in which FM sent multiple billing statements and payment reminders to incorrect addresses. Although I made several attempts to correct my address information, FM errant skip-tracing practices allowed cascading skip-tracing to occur from XX/XX/XXXX until XX/XX/XXXX. Firstmark blames me for their errors alleging that I did not contact them to let them know the addresses were invalid. I explained that I have attempted to correct FM mistakes to the best of my ability specifically citing my XXXX as limiting factors. I explained that I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I requested relief from FM to include correction of credit files to mark as \" No data '' or \" paid as agreed '' for the period XX/XX/XXXX until XX/XX/XXXX, administrative forbearance for thirty ( 30 ) days to stop any additional skip-tracing, and a payment schedule that ensures at least twenty ( 20 ) days between billing cycle statement generation date and statement due date. All of this has been communicated through CFPB complaints. Firsmark has consistently declined to provide relief. In response to CFPB complaint XXXX, Firstmark stated it would not respond to any further complaints regarding the issues within XXXX  unless I submitted \" compelling documentation. '' I submitted CFPB complaint XXXX  with nearly one-hundred ( 100 ) pages of documentation. The documentation included medical journal articles on XXXX, HHS and USDoJ guidance on long-COVID as a XXXX, articles on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I provided two ( 2 ) credit reports from XXXX XXXX XXXX XXXX XXXX XXXX XXXX both showing the address in XXXX was a previous address by that time and thus was no more valid in XXXX. I provided an e-mail from FM circa XX/XX/XXXX where FM stated the address in XXXX was an invalid address. I provided copies of billing statements and payment reminders that were inconsistent in the mailing address indicating a return of one piece of mail continued cascading skip-tracing to occur. I also provided a concise statement \" For the period over which Firstmark was sending my billing statements to address, and the cascading skip-tracing that resulted, that beyond the extent to which I demonstrated an ability to correct my address information when skip-tracing may have overwritten my correctionsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' I requested relief to ensure timely statement delivery, as quoted by the originator and original servicer of the loan : twenty ( 20 ) days. I requested corrections to my credit files strictly for the period of time over which Firstmark mailed my statements to the wrong addresses. I requested a thirty ( 30 ) day administrative forbearance so that adjustments in the billing schedule could be made to enable the twenty ( 20 ) days, and so that corrections to my credit files could be made. Firstmark responded with a near identical response to the previous response, again denying me any relief, citing no basis in law to cease normal servicing practices. I contacted Firstmark on XXXX XXXX XXXX and spoke with XXXX. I explained the situation and the latest response received from Firstmark. I explained all the CFPB responses have been written by a single individual : XXXX XXXX I explained her responses were concerning because they did not take the circumstances into consideration. XXXX looked for a dispute in my file and found one received on or around XXXX XX/XX/XXXX from all three CRAs. XXXX reviewed further quoting the notes which alleged \" the appropriate department confirmed that all the information was 'factually \" accurate as furnished to the CRAs. '' XXXX then explained the skip-tracing was conducted by another portion o the company on the backend and justified mailing to the incorrect address as Firstmarkt trying to get the info to me in any way possible and any previously verified address. Further she explained Firstmark had no way to know whether the address was valid or not, but simply that it was an alleged address for contact from their \" database. '' I countered noting that FM used the oldest address when more recent addresses were available and more likely to be fruitful if information was to reach me. I pointed out a better address, and a newer address, would have been to mail a payment reminder and/or a billing statement to the address of my co-borrower, which has not changed in 30+ years. XXXX stated my co-borrower should have called in. I explained both the limits of my co-borrower as an individual of advanced age, and that my co-borrower had neither been mailed statements nor payment reminders and would have no way to know ANY payment was due, or that the loans even entered repayment. XXXX then read the notes in the file which claimed \" the FCRA prevents Firstmark from applying the requested modifications to my credit '' and as such \" need [ ed ] to dispute the matter with the CRAs. '' XXXX asserted the law is black and white for everybody and I counter with it being based upon what's based upon the circumstances. XXXX asked if it was unreasonable for an individual to call and make a payment if they \" realize '' they have not received a statement in a couple of months. She pointed out that the account was past-due multiple times over the period of repayment. I countered reminding XXXX that the nature of my medical conditions makes it incredibly painful to communicate via light and sound when the condition is unmanaged. I explained Firstmark sent all statements to incorrect addresses from the moment the loan entered repayment and that skip-tracing continued to change addresses with each piece of returned mail on such a frequent basis that the address on a billing statement and payment reminder over the same billing cycle at points were different. I explained it was not reasonable for any individual to have to catch Firstmarks errors, let alone someone who has difficulty XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX again mentioned Firstmark didn't know the XXXX address was not a good address for me. I pointed out this was patently false because Firstmark sent an e-mail XXXX XXXX XXXX stating they received returned mail from the XXXX address. To the e-mail was a document dated XXXX XXXX XXXX  noting the loans had gone into repayment. XXXX explained she didn't know what else it was she could do for me. I made clear that if this was not resolved I would be filing the matter withe the state and federal agencies responsible for civil rights, and would be faxing the committee members that have oversight responsibiliy of financial services within he US Congress. I then asked to speak with a supervisor. XXXX and I ended amicably and I was transferred. I explained the situation to the supervisor and the conversation I had with XXXX. The supervisor acknowledged what I was saying as a human being, but that the practices of Firstmark were the practices. I explained I am someone that holds or has held XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and asked how I can prevent this matter from occurring again. I was told there was a Release Authorization that I could fill out in case I needed someone to handle payments on my account and keep track of the account status. This form was neither mentioned nor offered by the individual responding to the CFPB complaints and had never been offered to me before when speaking with a representative -- the only other form I'd been offered was a loan modification form in around XXXX XXXX XXXX, which would reset my statement dates and increase the interest rates. \n\nThe notes read by XXXX suggested I file disputes with the CRAs and that Fisrtmark was bound by the FCRA to report accurate information. Presumably the individual anotating the file regarding the FCRA was referring to the difference in the language of 15 U.S.C. 1681s-2 ( covering data furnishers ) and 15 U.S.C. 1681e ( covering CRAs ). However, The Fourth Circuit has recognized the synergy between the language of both stating, \" Although the majority of cases involve the duty the same standard of accuracy applies to a furnishers response under 1681s-2. Both 1681e and 1681s-2 serve the same purpose : ensuring accuracy in consumer credit reporting. A CRA can best fulfill its obligation to report accurately under 1681e if it receives accurate information from a furnisher under 1681s-2, '' ( XXXX v. XXXX Banking, 526 F.3d 142 ( XXXX Cir. XXXX ) ). The Seventh Circuit came to a similar conclusion, \" Section XXXX681s-2 at times uses incomplete or inaccurate. E.g., 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ). Section 1681e, on the other hand, speaks only in terms of 'maximum possible accuracy. ' One might draw the inference, then, that accuracy and completeness are different... We think not '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Quoting from the XXXX circuit, \" Courts have long understood that, when it comes to the FCRA, accurate means more than just 'technically correct. ' E.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For the definition of incomplete and inaccurate information one can look to the Sixth circuit, \" We have interpreted the phrase incomplete or inaccurate to encompass not only false information, but also correct information that nevertheless create [ s ] a materially misleading impression. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yet, given my situation Firstmark continues to verify that all the information furnished to the CRAs for my account i s \" [ technically ] accurate, '' when it is Firstmark 's unfair practices that resulted the furnished derogatory payment history for XXXX XXXX XXXX XXXX XXXX. Thus, While XXXX XXXX continues to claim there is no basis in law to honor what are alleged as \" demands, '' nor a basis in law to \" accommodate '' those demands, she is mistaken. \n\nOn XXXX XXXX XXXX  alleged Firstmark was require to make contact with me at all \" verified '' addresses. Firstmark knew the XXXX address was not an address I received mail by XXXX XXXX XXXX. Consider, if the assumption was that I no longer lived in my current state of residence ( the same state I have continued to reside in since XXXX ), then the next previous address outside my current state for any extended period of time chronologically would have been the address listed on the MPN, which is NOT a XXXX  address, but a XXXX  address. It was the same address for the co-borrower, was the address listed on the loan MPN, was the address tied to my Driver 's license listed on the loan MPN, and was a newer address than the XXXX address. Although not a valid mailing address for me, Firstmark could have tried sending the billing statements and/or payment reminders to my last known physical and mailing address outside my current state of residence : XXXX The distinction between the two ( 2 ) is duration. The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Yet, Firstmark neither mailed billing statements nor mailed payment reminders, to either the XXXX XXXX XXXX  addresses. If, as XXXX claimed, Firstmark was \" required '' to send mail to all verified addresses for me, there would substantial incentive to mail statements to a previous address that is known to coincide with the co-borrower. For Firstmark to forego mailing statement to newer, more relevant addresses, in favor of an older address, in a state with which I have no nexus, is indicative of unfair acts and practices. For Firstmark to employ skip-tracing practices Either Firstmark saw an opportunity to charge-off a loan they believed was non-performant and/or Firstmark has poor skip-tracing practices. \n\nXXXX XXXX references the MPN in at least three ( 3 ) of the responses, claiming the provisions under the original MPN do not permit a borrower to claim a failure to receive statements as a defense to non-payment on the student loan. It is true, as XXXX XXXX points out, there exists language in Section E.2 of the MPN that states \" I am not relieved of my responsibility and obligation to make such payments if I do not receive billing statements and any other written payment notices from you. '' While the MPN makes clear a borrower is not absolved of responsibility to make payments, it makes zero ( XXXX ) mention regarding the time-frame those payments must be made in when billing errors arise. That the XXXX XXXX be silent on the specifics of Billing Error Resolution and Timing of Payments is not a surprise. The originator of this loan is XXXX and at the time of origination XXXX would have serviced this loan in its normal course of business as a banking and financial services institution. This MPN was written BEFORE Dood-Frank, before we collectively understood the collective and catastrophic economic impact predatory lending and poor service practices would inflict upon the entire financial system and individual consumers. With minimal oversight and regulation Financial Services Institutions engaged in poor acts and practices that nearly collapsed the United States economy, leaving many consumers in financial disarray and ruin. Although Financial Services institutions were thought able to best be equipped to handle Billing Error issues in a reasonable way on their own as good business practice, that viewpoint changed when multiple financial services institutions failed -- XXXX was one of them and ultimately merged with XXXX XXXX. \n\nXXXX XXXX overlooks the placement of the alleged defense to non-payment provision. The MPN makes a statement regarding non-receipt of statement, only after declaring what the lender/servicer must do. The opening sentence of E.2 reads : During the Repayment Period, you will send me monthly statements, coupons, or other notices that show the amounts of minimum monthly payments and the payment due dates. It is important for me, and my co-borrower, to receive monthly statements because although the loan in question is a student loan, it has an adjustable interest rate like an open-ended card account and as such the portion of total amount due that is applied to both principal interest varies with changes interest rates set by the Federal Reserve XXXX There have been five ( 5 ) in-total over the time period when Firstmark was mailing statements and payment reminders to incorrect addresses. Therefore, to claim a borrower and/or co-borrower should know what the monthly payment amount is and make payments is unfair. In this case the XXXX borrower and their co-borrower of XXXX XXXX would have to be versed in the finer points of actuarial math and keep track of interest rate changes in order to \" know '' what the payment \" should '' be absent a statement and/or payment reminder -- that is unreasonable and unfair, especially if the first statement is not received. \n\nThat from the first response to my CFPB complaints in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never informed a Release Authorization existed, but at least one ( 1 ) representative over the same time period offered to help solve the issue by a loan modification is telling. The mechanism offered to me was one that would increase the amount of each monthly payment, and potentially the number of total payments until maturity, making it likely that Firstmark would increase its profit through is a deceptive act or practice ( 12 U.S.C. 5531 ( c ) ) and discriminatory. \n\nThat after disclosing my XXXX to XXXX, they would allow XXXXXXXX XXXX to suggest it reasonable for me to rely solely on electronic statements, which would require me to stare at a XXXX XXXX XXXX XXXX XXXX  is discriminatory and cruel. That Firstmark after disclosing my XXXX to Firstmark they would allow XXXX XXXX to suggest it reasonable to contact Firstmark by phone to inquire about a payment that may e due, check a balance, etc., during periods of XXXX is discriminatory and cruel. It is unreasonable for Firstmark to expect I compensate for their poor acts and practices, especially when involves subjecting to me pain on account of my XXXX. To expect such is discriminatory and cruel on its face and shows Firstmarks willingness to engage in acts and practices that intimidate and discriminate against individuals with XXXX. \n\nThat XXXX XXXX would claim my valid enhanced drivers license, all Driver 's licenses back to XXXX, which all show my current state of residence, were not not compelling to warrant any change in \" normal servicing practices '' is abusive ( 12 U.S.C. 5531 ( d ) ). That XXXX XXXX would claim credit reports that show the XXXX address was a previous addess by XXXX was not compelling to warrant any change in \" normal servicing practices '' is abusive ( 12 U.S.C 5531 ( d ) ). That Firstmrak knew by XXXX XXXX XXXX the XXXX  address was not an address at which I receive mail, but allowed XXXX XXXX to respond to a CFPB complaint in XX/XX/XXXX claiming Firstmark believed I received mail at the address because no mail was returned from that address to Firstmark is abusive ( 12 U.S.C. 5531 ( d ) ) and deceptive ( 12 U.S.C. 5531 ( c ) ).\n\nThat Firstmark has refused to offer relief by removing false/misleading/inaccurate information it supplied to the CRAs is unfair ( 12 U.S.C. 5531 ( c ) ) and unlawful ( 12 U.S.C 5536 ( a ) ( 1 ) ( B ) as covered person, 15 U.S.C. 1681e and 15 U.S.C. 1681s-2 as data furnisher ). That Firstmark would deny me relief is retaliatory, The very concept of retaliation [ being ] that the retaliating party takes action against the party retaliated against after, and because of, some action of the latter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX An individual need not even file a complaint for retaliation to occur ; rather an individual can be engaged in any lawful conduct connected with exercise of a protected right ; in this instance the act of filing billing errors via CFPB complaints is one form of exercise ( 12 U.S.C. 5534 ), request for access to paper statements in a timely manner at the proper address ( 12 C.F.R. 1026.2, MPN at E.2 implying 12 C.F.R. 1026.41 ) via CFPB complaint process ( 12 U.S.C. 5534 ) ( separate from and in conjunction with requests for reasonable accommodation under Section 302 of the ADA / 42 U.S.C. 12182 ( b ) ( 2 ) ( A ) ( ii ), and 28 CFR 36.202 prohibitions against discrimination on the basis of disability ) is another, and complaints to state and federal agencies filed in good faith alleging discrimination, unfair, deceptive, abusive, or any other unlawful acts/practices, are yet others. Complaints that expose predatory servicing practices within the private student loan industry, make it more likely the CFPB will compel covered persons to implement reasonable procedures designed to ensure the mailing or delivery of statements at least twenty-one ( 21 ) days before the payment due date by using their power under the CFPA, which enables the CFPB to bring enforcement action to prevent a covered person or service provider from committing or engaging in an unfair, deceptive, or abusive act or practice. '' Student loan trusts are now considered covered persons and as such are subjected to CFPB XXXXforcement authority ( XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX ) ). \n\nXXXX knows or has reasonable cause to believe the information they were furnishing to the CRAs from XXXX XXXX XXXX XXXX XXXX, and continue to furnish for that period, is false/misleading/inaccurate. While they may contend the the payment history for the XXXX XXXX XXXX XXXX XXXX is [ technically ] accurate, \" 'accurate ' [ under the FCRA ] means more than just 'technically [ accurate ], ' '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nThe payment history furnished by Firstmark to the three ( 3 ) major CRAs was generated as a result of Firstmark 's own unfair ( 12 U.S.C. 5531 ( c ) ), deceptive ( 12 U.S.C. 5531 ( c ) ), abusive ( 12 U.S.C. 5531 ( d ) ), unlawful ( 12 U.S.C 5536 ( a ) ( 1 ) ( B ) as covered person, 15 U.S.C. 1681e and 15 U.S.C. 1681s-2 as data furnisher ), and discriminatory ( 42 U.S.C. 12182 ( b ) ( 2 ) ( A ) ( ii ), and 28 CFR 36.202 ), acts or practices. As of today I have filed a Civil Rights compaint with my State 's Civil Rights department. I will be providing a copy of this CFPB complaint and a legal brief to DOJ Civil Rights Division and ADA Section. I would like to resolve this matter here so that I may let my State 's Civil their assistance will no longer be needed.","date_sent_to_company":"2023-12-23T01:58:09.000Z","issue":"Dealing with your lender or servicer","sub_product":"Private student loan","zip_code":"48104","tags":null,"has_narrative":true,"complaint_id":"8050948","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2023-12-23T01:31:26.000Z","state":"MI","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["The MPN makes a statement regarding non-receipt of statement, only after declaring what the lender/servicer must <em>do</em>. The opening sentence of E.2 reads : During the Repayment Period, you will send me monthly statements, <em>coupons</em>, or other notices that show the amounts of minimum monthly payments and the payment due dates."]},"sort":[3.5513444,"8050948"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":13,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":13}]}},"product":{"doc_count":13,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":4}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":3}]}},{"key":"Checking or savings account","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":2}]}},{"key":"Mortgage","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":1},{"key":"FHA mortgage","doc_count":1}]}},{"key":"Student loan","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":1},{"key":"Private student loan","doc_count":1}]}}]}},"issue":{"doc_count":13,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":4},{"key":"Credit inquiries on your report that you don't recognize","doc_count":3}]}},{"key":"Dealing with your lender or servicer","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Need information about your loan balance or loan terms","doc_count":1},{"key":"Problem with customer service","doc_count":1}]}},{"key":"Closing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1}]}},{"key":"Problem with a lender or other company charging your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Foreclosure","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":13,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":13}]}},"company_response":{"doc_count":13,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":12},{"key":"Closed with non-monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":13,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":13}]}},"company":{"doc_count":13,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":3},{"key":"EQUIFAX, INC.","doc_count":2},{"key":"Experian Information Solutions Inc.","doc_count":2},{"key":"Nelnet, Inc.","doc_count":2},{"key":"CITIZENS FINANCIAL GROUP, INC.","doc_count":1},{"key":"JPMORGAN CHASE & CO.","doc_count":1},{"key":"PROVIDENT FUNDING ASSOCIATES","doc_count":1},{"key":"Paypal Holdings, Inc","doc_count":1}]}},"state":{"doc_count":13,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"NY","doc_count":4},{"key":"NV","doc_count":3},{"key":"MI","doc_count":2},{"key":"FL","doc_count":1},{"key":"GA","doc_count":1},{"key":"MN","doc_count":1},{"key":"WA","doc_count":1}]}},"company_public_response":{"doc_count":13,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":5},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":1}]}},"tags":{"doc_count":13,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}