{"took":147,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1633,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9557773","_score":16.93281,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I had my identity used to open, and attempts to open, credit card accounts fraudulently. Experian is in the process of remedying those accounts and/or inquiries on my credit report. \nHowever, they asked that I create a report at XXXX, and then upload it to their platform, so that an investigation could be opened into the party or parties attempting to steal my identity/commit fraud. I did create and download a report from the identitytheft.gov site, but when I attempt to upload it to Experian 's website, it doesnt \" work... I enter my personal information on the first page, click the button indicating I understand the disclosures, but when I try to advance to the next page to upload the report, it wipes out all of the information in the fields and leaves me with the starting page as I landed on it. \nI have made multiple attempts to get to technical support with Experian, but can never get through... they only allow you to choose from the automated options to report new fraud, put a freeze on your credit etc., without ever getting a live person who can provide technical support. \nI have tried at least 10 times each with two different browsers to upload the report, and the same thing keeps happening.","date_sent_to_company":"2024-07-18T18:44:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"068XX","tags":null,"has_narrative":true,"complaint_id":"9557773","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-18T18:34:34.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I had my identity used to open, and <em>attempts</em> to open, credit card accounts fraudulently. Experian is in the process of remedying those accounts and/or inquiries on my credit report. \nHowever, they asked that I <em>create</em> a report at XXXX, and then upload it to their platform, so that an investigation could be opened into the party or parties <em>attempting</em> to steal my identity/commit <em>fraud</em>."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[16.93281,"9557773"]},{"_index":"complaint-public-v1","_id":"3985921","_score":16.74086,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Identity Theft on XX/XX/XXXX Person created fraudulent account on Experian.com, using fraudulent e-mail address. They were able to down load my credit report to fraudulent e-mail address and proceeded to use credit information. \n\nXX/XX/XXXX - Discovered fraudulent activity on my personal bank and checking accounts. \nXX/XX/XXXX - Closed all bank accounts. \nXX/XX/XXXX - Mailed complaint of fraudulent e-mail address to Experian Fraud Department, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX - Received Experian report # XXXX XX/XX/XXXX - Unable to connect to an Experian a live customer service agent at any of the following phone numbers : XXXX or XXXX or XXXX or XXXX. Automated menu, no option to reach an agent. ( Attempts on many other days ) XX/XX/XXXX - Fraudulent e-mail address still associated with Experian account. No response from Experian and unable to contact via phone. \n\nThis is very dangerous activity by Experian. The company collects sensitive credit information and allows fraudulent accounts t be created with just a few pieces of personal information. Then enacts no remedy when fraud is discovered. \n\nIf you personally have not created an account on Experian, I recommend doing so now. Experian does not directly notify consumers they are collecting your credit information, and they do not advise you directly to open an account, or provide any warning that if you do not open an account this exposes you to fraud. You must create a user name and password, or anyone with your social security number and DOB can steal your information. This is also true of XXXX, XXXX and XXXX, and incidentally on the Social Security website as well. As far as am aware, these agencies do not inform people directly of this necessity.","date_sent_to_company":"2020-12-02T18:54:37.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"487XX","tags":null,"has_narrative":true,"complaint_id":"3985921","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-12-02T18:17:49.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The company collects sensitive credit information and allows fraudulent accounts t be <em>created</em> with just a few pieces of <em>personal</em> information. Then enacts no remedy when <em>fraud</em> is discovered. \n\nIf you personally have not <em>created</em> an account on Experian, I recommend doing so now."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"issue":["Problem with <em>fraud</em> alerts or security freezes"]},"sort":[16.74086,"3985921"]},{"_index":"complaint-public-v1","_id":"15101776","_score":15.548124,"_source":{"product":"Checking or savings account","complaint_what_happened":"My abuser, XXXX XXXX, created a fraudulent account in my name to attempt wire fraud and check fraud. I am a victim of XXXXXXXX XXXX at his hands. I have reached out to Navy Federal multiple times, providing emails and evidence of his actions. This man has committed XXXX instances of wire fraud totaling over {$100000.00} each time from your buisnesd and has attempted to deposit fake checks into my account while I have been trafficked for XXXX years. I have submitted police reports and text messages as evidence, demonstrating that he has made me transfer over {$200000.00}, not including cash, into his company, The XXXX XXXX XXXX. He has also utilized that money to secure loans. I am requesting the return of my account ; however, I do not have the account information because my abuser had control over it. The account is under the name XXXX XXXX, with a birthdate of XX/XX/year>, and the details are as follows : Routing # : XXXX Acct # : XXXX Navy Federal Thecompanycarcollection @ Routing # : XXXX Acct # : XXXX Navy Federal XXXX XXXX XXXX Personal checking account Navy Access # XXXX i sent screenshot of the money from his vemo account he transfered into his navy Federal Business account And personal account to, but yet your company will not freeze those assets until this criminal case is resolved","date_sent_to_company":"2025-08-05T18:55:13.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"77365","tags":null,"has_narrative":true,"complaint_id":"15101776","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-08-05T18:09:11.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["My abuser, XXXX XXXX, <em>created</em> a fraudulent account in my name to <em>attempt</em> wire <em>fraud</em> and check <em>fraud</em>. I am a victim of XXXXXXXX XXXX at his hands. I have reached out to Navy Federal multiple times, providing emails and evidence of his actions. This man has committed XXXX instances of wire <em>fraud</em> totaling over {$100000.00} each time from <em>your</em> buisnesd and has <em>attempted</em> to deposit fake checks into my account while I have been trafficked for XXXX years."],"sub_issue":["Company closed <em>your</em> account"]},"sort":[15.548124,"15101776"]},{"_index":"complaint-public-v1","_id":"7310682","_score":15.29593,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX and Transunion will not acknowledge any of my attempts to obtain my credit reports and/or mailed copies of my statements pertaining to fraud. I am unable to create an account as any identifying information requested to do so is Fraudulent and incorrect information- the same information I am trying to have removed! \n\nI have tried calling- but again I am requested to verify personal information that is not mine and incorrect. XXXX and Transunion have at the most only responded to mailed statements and my photocopies of my government ID 's and social security card with \" please send us copies of your ID and police reports. To have sent that to receive that response demonstrates they are not actually reading and reviewing what I have sent.","date_sent_to_company":"2023-07-26T15:33:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10471","tags":null,"has_narrative":true,"complaint_id":"7310682","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-07-26T15:33:41.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX and Transunion will not acknowledge any of my <em>attempts</em> to obtain my credit reports and/or mailed copies of my statements pertaining to <em>fraud</em>. I am unable to <em>create</em> an account as any identifying information requested to do so is Fraudulent and incorrect information- the same information I am trying to have removed! \n\nI have tried calling- but again I am requested to verify <em>personal</em> information that is not mine and incorrect."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[15.29593,"7310682"]},{"_index":"complaint-public-v1","_id":"7308894","_score":15.29593,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Equifax and XXXX will not acknowledge any of my attempts to obtain my credit reports and/or mailed copies of my statements pertaining to fraud. I am unable to create an account as any identifying information requested to do so is Fraudulent and incorrect information- the same information I am trying to have removed! \n\nI have tried calling- but again I am requested to verify personal information that is not mine and incorrect. Equifax and XXXX have at the most only responded to mailed statements and my photocopies of my government ID 's and social security card with \" please send us copies of your ID and police reports. To have sent that to receive that response demonstrates they are not actually reading and reviewing what I have sent.","date_sent_to_company":"2023-07-26T15:33:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10471","tags":null,"has_narrative":true,"complaint_id":"7308894","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-07-26T15:10:02.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Equifax and XXXX will not acknowledge any of my <em>attempts</em> to obtain my credit reports and/or mailed copies of my statements pertaining to <em>fraud</em>. I am unable to <em>create</em> an account as any identifying information requested to do so is Fraudulent and incorrect information- the same information I am trying to have removed! \n\nI have tried calling- but again I am requested to verify <em>personal</em> information that is not mine and incorrect."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[15.29593,"7308894"]},{"_index":"complaint-public-v1","_id":"16293038","_score":14.698027,"_source":{"product":"Student loan","complaint_what_happened":"Subject : Complaint Regarding Student Loan Servicer Data Breach and Request for Loan Relief To Whom It May Concern, I am writing to file a complaint regarding the handling of my federal student loans. My personal and financial information was compromised as a result of the DOGE-related data breach and privacy violation. This breach represents a serious violation of my right to privacy and has caused my data to be exposed to identity theft risk, harassment, and fraud attempts. This data breach violates both FERPA and Title IV protections. \n\nMy servicer EdFinancial failed to adequately safeguard my personal data, creating unnecessary risk and financial harm. I request that the CFPB investigate this matter, hold my loan servicer accountable, and consider relief including loan forgiveness or discharge as a remedy for the damages caused.\n\nEnclosed are any supporting documents, breach notices, correspondence in support of this investigations.\n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX XXXX [ Loan Account Number ( XXXX ) ]","date_sent_to_company":"2025-10-01T16:29:32.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"10471","tags":null,"has_narrative":true,"complaint_id":"16293038","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EdFinancial Services","date_received":"2025-10-01T16:04:36.000Z","state":"NY","company_public_response":null,"sub_issue":"Need information about your loan balance or loan terms"},"highlight":{"complaint_what_happened":["My <em>personal</em> and financial information was compromised as a result of the DOGE-related data breach and privacy violation. This breach represents a serious violation of my right to privacy and has caused my data to be exposed to identity theft risk, harassment, and <em>fraud</em> <em>attempts</em>. This data breach violates both FERPA and Title IV protections. \n\nMy servicer EdFinancial failed to adequately safeguard my <em>personal</em> data, <em>creating</em> unnecessary risk and financial harm."],"issue":["Dealing with <em>your</em> lender or servicer"],"sub_issue":["Need information about <em>your</em> loan balance or loan terms"]},"sort":[14.698027,"16293038"]},{"_index":"complaint-public-v1","_id":"14861388","_score":14.403079,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am writing to formally report an incident of identity theft involving the unauthorized opening of an account with Zip, a buy now pay later program, using my personal information. This issue was brought to my attention through notifications from Zip. I contacted Zip customer support to clarify that I did not authorize any purchases or account activity. The orders made on XXXX with XXXX order number XXXX, amount {$200.00} and - XXXX with XXXX XXXX XXXX XXXX XXXX, amount {$700.00} were not orders I made. The credit card they attempted to use is not associated with my account. The customer support agent confirmed that an account was created in my name, using my address, personal details, and social security number, and they have initiated an investigation on their end as of XX/XX/year>. \n\nA Zip customer service representative filed a claim and forwarded it to the fraud department, prompting an internal investigation. I was advised that I would be contacted by the fraud team within approximately 7 to 10 days. On XX/XX/XXXX and XXXX, I spoke with Zip representatives to ask for an update on the investigation and was informed that I would be contacted by the fraud team within 72 hours. I called again today XX/XX/XXXX, and was told there is no timeframe that they can give me. There is no way to speak to their fraud department, I have yet to receive any communication fraud department that is completing the internal investigation. \n\nFor your reference, my reference number in connection with the identity theft report filed with the Federal Trade Commission ( FTC ) is Reference Number XXXX.","date_sent_to_company":"2025-07-24T16:47:16.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Installment loan","zip_code":"49085","tags":null,"has_narrative":true,"complaint_id":"14861388","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Zip Co US Inc.","date_received":"2025-07-24T16:40:54.000Z","state":"MI","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["The credit card they <em>attempted</em> to use is not associated with my account. The customer support agent confirmed that an account was <em>created</em> in my name, using my address, <em>personal</em> details, and social security number, and they have initiated an investigation on their end as of XX/XX/year>. \n\nA Zip customer service representative filed a claim and forwarded it to the <em>fraud</em> department, prompting an internal investigation."],"product":["Payday loan, title loan, <em>personal</em> loan, or advance loan"]},"sort":[14.403079,"14861388"]},{"_index":"complaint-public-v1","_id":"15217537","_score":14.346135,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Referencing complaint XXXX Based on Venmo response XXXX On XX/XX/year>, you created a Venmo account ( \" Account '' ) at which time you agreed to Venmo 's User Agreement. On XX/XX/year>, you received a {$300.00} personal payment ( Payment ) from another Venmo user ( Sender ). On XX/XX/year>, you attempted to return the Payment of {$300.00} to the Sender. However, your attempt was declined by Venmo 's internal security model. While we recognize this can be a frustrating experience, this system helps uphold the safety and integrity of the Venmo community and is intended functionality. The Transferring Money out of Your Venmo Account section of the User Agreement states, \" In order to manage risk, we may limit the payment methods available when you make a payment. '' They won't return and emails. There excuse to freeze funds for 180 days is extreme and predatory. These traps are to make interest on peoples money. \n\nAs per their investigation. Funds received was attempted to return to sender. But they refused. The sender even contact them to cancel the transaction. They refused. \n\nThere is no fraud or victim in question. The sender and receive agrees to return the money. They refuse to let us link bank account to extract funds. \n\nHolding funds for loss prevention is UNFOUNDED. The account is brand new. 1 test transaction was enacted. They set the traps to sieze people 's money. \n\n\nI demand the release of my funds to me or the sender immediately.","date_sent_to_company":"2025-08-11T08:56:49.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"77042","tags":null,"has_narrative":true,"complaint_id":"15217537","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-08-11T08:48:46.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Referencing complaint XXXX Based on Venmo response XXXX On XX/XX/year>, you <em>created</em> a Venmo account ( \" Account '' ) at which time you agreed to Venmo 's User Agreement. On XX/XX/year>, you received a {$300.00} <em>personal</em> payment ( Payment ) from another Venmo user ( Sender ). On XX/XX/year>, you <em>attempted</em> to return the Payment of {$300.00} to the Sender. However, <em>your</em> <em>attempt</em> was declined by Venmo 's internal security model."],"issue":["<em>Fraud</em> or scam"]},"sort":[14.346135,"15217537"]},{"_index":"complaint-public-v1","_id":"8353558","_score":14.230352,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX wire transfers were made to entities which turned out to be fraud entities - attempts to recall the wires have been unsuccessful. They have not provided any goods and services. \nWIRE TRANSFER1 : DATE : XX/XX/2023 ; AMOUNT : XXXX USD WIRE TRANSFER2 : DATE:XXXX ; AMOUNT:XXXX USD I have created the following case numbers with XXXX XXXX to attempt to recall the wires WIRE TRANSFER1 : XXXX WIRE TRANSFER2 : XXXX For wire transfer XXXX actually I received a letter from the fraud investment company ( at that time I did not know it was a fraud ) that I should contact my bank and asked me to reverse the wire transfer : \" Important notices Dear XXXX XXXX, We regret to inform you that the {$100000.00} transfer to XXXX XXXX  on XX/XX/2023 is currently inaccessible due to an ongoing bank audit issue. To resolve this, we kindly request your personal intervention at the bank to apply for a refund, citing the other party 's inability to ship the goods as the reason for the application. Once complete, we ask that you initiate a new wire transfer. Rest assured, your account credit in XXXX XXXX will be maintained during this period. Your prompt attention to this matter is greatly appreciated. \n\nSincerely, XXXX XXXX XXXX Department '' I believe the receiving bank ( PNC Bank ) had knowledge of the irregularity of the wire transfer and actually suspected something - yet they allowed the transaction to go through and did not take steps to warn me or reverse the wire transfer. \n\nI will attach a copy of the email as a document. \n\n\n\nI have contacted XXXX XXXX to provide the funds back to me- but they do not respond to my emails as well as the Online chat with the XXXX XXXX does not yield any results.","date_sent_to_company":"2024-02-15T21:07:36.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"92127","tags":null,"has_narrative":true,"complaint_id":"8353558","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2024-02-15T19:56:54.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX wire transfers were made to entities which turned out to be <em>fraud</em> entities - <em>attempts</em> to recall the wires have been unsuccessful. They have not provided any goods and services."],"issue":["<em>Fraud</em> or scam"]},"sort":[14.230352,"8353558"]},{"_index":"complaint-public-v1","_id":"21153807","_score":14.135973,"_source":{"product":"Credit card","complaint_what_happened":"I am writing to file a formal complaint regarding an ongoing and unreasonable restriction placed on my account which has resulted in a total loss of access to my funds. Despite my proactive attempts to resolve this through your standard customer service channels, your department has refused to provide a timely resolution and has instead insisted on a physical mail verification process that is entirely inconsistent with modern banking standards and my immediate financial needs. \n\nOn XX/XX/year>, my card was blocked for alleged fraud. I immediately contacted Citibank support on to rectify the situation. During these interactions, your representatives stated that the block can not be removed until I receive a physical letter via the United States Postal Service. Even though I offered to provide government-issued identification, participate in biometric verification, answer personal questions these reasonable alternatives were categorically denied. \n\nThis refusal to offer an expedited or digital verification method is creating a significant and undue financial hardship. By effectively locking my capital for the duration of a XXXX to XXXX business day mailing window, Citibank is preventing me from meeting essential financial obligations such as paying for upcoming work expenses scheduled for XX/XX/XXXX through XX/XX/XXXX, and to pay for personal expenses that I was attempting to pay when my card was blocked. This rigid reliance on physical mail, while disregarding secure and instantaneous digital verification options, is a failure of service that borders on an unfair and abusive banking practice. \n\nI want to highlight that one of the officers who assisted me told me that if I could not pay withi this card for my work expenses then I should use another card, which I found completely disrespectful.","date_sent_to_company":"2026-04-11T03:21:07.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"75204","tags":null,"has_narrative":true,"complaint_id":"21153807","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-04-11T03:12:51.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["Despite my proactive <em>attempts</em> to resolve this through <em>your</em> standard customer service channels, <em>your</em> department has refused to provide a timely resolution and has instead insisted on a physical mail verification process that is entirely inconsistent with modern banking standards and my immediate financial needs. \n\nOn XX/XX/year>, my card was blocked for alleged <em>fraud</em>. I immediately contacted Citibank support on to rectify the situation."],"issue":["Trouble using <em>your</em> card"]},"sort":[14.135973,"21153807"]},{"_index":"complaint-public-v1","_id":"3234742","_score":14.109244,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Please be advised of the submission of the attached police report for the pending criminal charges against XXXX XXXX XXXX for the XXXX XXXX card theft on the above account along with two other accounts. This account was reported to your office as fraud in XX/XX/2019 as was improperly cited as a civil matter after Mr. XXXX attempted unsuccessfully to negotiate the repayment of these cards on both his behalf and the affected cards behalf as well for full restitution and to avoid criminal prosecution. These attempts were unsuccessful after Ms. XXXX missed every promised repayment date and as such, the case has been referred to the DAs office for criminal charges. As directed by the Chase Executive Office,  this claim is being resubmitted to you with the police report attached for processing of this claim as fraudulent. \nNo further payments will be made on this account by Mr. XXXX as this account has been properly documented and reported as fraudulent to your company. Any attempts to collect this debt or require Mr. XXXX to make payments with threat of lawsuits, negative credit impacts, or garnishments or liens will be met with civil action. This complaint and accompanying police report are also being submitted to the North Carolina Attorney Generals Office and the Consumer Financial Protection Bureau due to the failure to thoroughly investigate this claim as fraud and writing the account off as civil citing the victim allowed the perpetrator access to his cards because they lived together. This statement was NEVER made by Mr. XXXX and is a falsehood created by the Chase fraud department to prevent alleviating Mr. XXXX burden placed upon him by the fraudulent charges on this account. Mr. XXXX has never made any statement that Ms. XXXX was allowed to use his cards, nor has he told you as much. This narrative was created by your own department and explained to Mr. XXXX by telephone that our system had no option to notate your account, so we had to put in there you provide access to your cards. This notation must also be removed as it is both incorrect and was NEVER stated by Mr. XXXX. This creates confusion and inaccurate information by anyone new who looks at this account and falsely assumes Mr. XXXX allowed Ms. XXXX access to his cards. This is not true as Mr. XXXX has stated in his complaint, Ms. XXXX took these cards from his wallet and dresser drawers without his knowledge or permission as well as recorded all his account numbers, security codes, expiration dates, and personal information in a notebook and used these without his permission. This notation on his account is false and must be removed immediately. \n\n\nLastly, no Statute, Federally or at the NC State level, allows for the commission of a crime to be civil for XXXX card theft simply because the victim and the criminal live in the same home. This would negate any purpose of authorized users, credit reports, or even the requirement to sign for authorization on purchases if anyone in the same household could use another persons credit card without their permission. It would also make the zero fraud liability your company advertises completely useless as you would simply claim anyone who used anothers card without their knowledge is civil, as you are trying to do to Mr. XXXX, simply because they resided in the home. \nYour argument is now that any family member, friend, roommate, or overnight guest could then illegally take the card holders credit card and use it without fear of any financial or legal consequences. Obviously, this is NOT the case and your company is well aware that no such law or statute exists, yet, you are attempting to use this as your justification for denial of Mr. XXXX fraud claim. I strongly recommend you take this fraud claim seriously at stop the ridiculous claim that this fraud is his responsibility to payback when you have all of the necessary evidence to support this claim as fraud. Simply stating to Mr. XXXX Our company is a financial institution and does not want to take this as a financial loss is NOT Mr. XXXX responsibility. Your company promotes a zero-fraud liability and must adhere to those promises once documentation has been provided that Mr. XXXX is NOT responsible for these charges. \nYour company is now in possession of Mr. XXXX statement of who the perpetrator is, her contact information, a copy of all fraudulent charges, and lastly a police report showing the charges for XXXX XXXX Transaction Card Fraud being filed by Officer XXXX XXXX of the XXXX Police Department on XX/XX/2019 after Mr. XXXX was unsuccessful in recovering these stolen funds himself on behalf of your company through negotiations with Ms. XXXX. Mr. XXXX has shown good faith in his actions and responsibility in his attempts to resolve this matter on his own prior to submitting this case to your company for fraud. \nIt has also been your own companys admission to mistakenly calculating the initial refund to Mr. XXXX account and then informing him this money was his to use on the card at his leisure because it was his refunded charges, even submitting a request to have a paper check cut in the amount of {$2500.00} sent by mail for his remaining refund so that he could cash the remaining refund out all at once without having to use the card to access the refunded money, then abruptly claiming this account is NOT fraud and instead civil and demanding all money to be returned after giving him access to these funds. This miscalculation on the refundable amount is not the fault of Mr. XXXX as your company and your company alone calculated the refund amount and then gave Mr. XXXX the access to these funds. The burden of your error is entirely upon your company and Mr. XXXX owes no further payments to your company. While Mr. XXXX is not demanding the excess money from the miscalculation, it is his stance that failure of an international banking institution to accurately provide the right refunded amount on his account is not his responsibility. It is the responsibility of Chase to ensure their employees are able to calculate simple mathematical equations and then properly apply those calculations to consumer accounts. With millions of transactions completed every day, a typical consumer such as Mr. XXXX should feel confident in the accuracy of the calculations and refunds provided since Chase has the more experienced and educated personnel on staff who do this exclusively on a daily basis. To attempt to require Mr. XXXX be held liable for your companies mistake in applying a refunded amount above what you intended is simply asinine and is a cost of doing business on behalf of your company. This should serve as a learning lesson to make sure that your company checks for accuracy before sending money to customers and then informing them they may spend this refund as it is theirs to do as they please. Mr. XXXX is not responsible for double checking your math, nor did he have the knowledge or the ability to do so as your company is attempting to argue. Should a client make a similar mistake and overpay on their intended minimum payment to Chase, I have no doubt that Chase would simply say It is not our responsibility to ensure the accuracy of how much money you pay us, so why would you expect something different from your customer, or in this case? I expect a full review of this account and all disputed charges submitted as fraudulent to be removed as promised.","date_sent_to_company":"2019-05-07T17:27:18.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"27530","tags":null,"has_narrative":true,"complaint_id":"3234742","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-05-07T17:12:01.000Z","state":"NC","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Obviously, this is NOT the case and <em>your</em> company is well aware that no such law or statute exists, yet, you are <em>attempting</em> to use this as <em>your</em> justification for denial of Mr. XXXX <em>fraud</em> claim. I strongly recommend you take this <em>fraud</em> claim seriously at stop the ridiculous claim that this <em>fraud</em> is his responsibility to payback when you have all of the necessary evidence to support this claim as <em>fraud</em>. Simply stating to Mr."],"issue":["Problem with a purchase shown on <em>your</em> statement"]},"sort":[14.109244,"3234742"]},{"_index":"complaint-public-v1","_id":"5703993","_score":14.097074,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"( Please note this overview was sent to President Biden ), President Biden, We consistently provide updates directly to your office due to the excessive amount of fraud we are experiencing in Georgia. We feel it is extremely vital to ensure you are aware of the excessive amount of ID Theft/Fraud which is taking place in this state. This is not an isolated incident. We have met numerous victims of Mortgage Fraud in Georgia, As stated previously, I was forced to file personal bankruptcy to obtain assistance with the investigation of approximately XXXX XXXX dollars of CONVENTIONAL RESIDENTIAL Mortgage fraud. We were utilized as targets and never received a mortgage for any of our properties. All closings were staged and our names were forged onto documents which profited others. There were no fraud investigations by the XXXX or the Creditors because it appears they were all involved, Until now XXXX ; s and others are attempting POST PROACTIVE Approaches which should have been completed previously, Unfortunately, the damage has been done and there is no rectifying of the harm others have caused. We are preventative tips regarding the prevention of fraud, This is quite hilarious after the fact. The retained Attorney XXXX XXXX XXXX who was paid a retainer of XXXX has done nothing to assist us, In fact we know he is working with the Creditors and Bureaus to provide information to assist them with staying ahead of any charges which may be filed. Transunion had the audacity to send information regarding Fraud Prevention. Well, you can ; t dispute any fraudulent account if TRANSUNION blocks you from the system after registering for an account. Must we remind them we are holding copies of XXXX  '' XXXX prior to XXXX? It's very obvious who's a part of this racket but it's too late. They are attempting to follow their given policy and procedure to cover themselves in a court of law, at this point we recommend they provide a level of compensation. The level of evidence against all involved is astronomical and can not be rectified. We will be honored to testify if and when needed. \n\nIn closing, the Attorney General of Georgia, apparently believes the new process which is being created to decrease fraud is both innovative and creative. I am sure he is taking the credit for it. Sadly, I personally see this as a superficial cover to create an illusion. Also, The money which is being generated from these new processes is benefitting who? \n\nRespectfully Submitted","date_sent_to_company":"2022-06-24T23:04:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30045","tags":null,"has_narrative":true,"complaint_id":"5703993","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-06-24T22:09:14.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["( Please note this overview was sent to President Biden ), President Biden, We consistently provide updates directly to <em>your</em> office due to the excessive amount of <em>fraud</em> we are experiencing in Georgia. We feel it is extremely vital to ensure you are aware of the excessive amount of ID Theft/<em>Fraud</em> which is taking place in this state. This is not an isolated incident."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[14.097074,"5703993"]},{"_index":"complaint-public-v1","_id":"2796603","_score":13.556483,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Date : XX/XX/XXXX To Whom It May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX I am have having issue when the creditor that attempt to pull my credit my name is XXXX XXXX every time my credit info is pull is coming up as XXXX XXXX I have send information to have this name deleted on my profile This is creating lots of problem every time I call to fixed it I keep getting the round around this as cause pain of suffering I need this to be fix as soon as possible Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see bellow, my correct identification information for your records : I have also included the following minimum two ( 2 ) proofs of my current mailing address Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX","date_sent_to_company":"2018-01-29T19:28:05.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33470","tags":null,"has_narrative":true,"complaint_id":"2796603","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-01-29T19:28:03.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["<em>fraud</em> alert on my <em>personal</em> credit reports."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"issue":["Incorrect information on <em>your</em> report"],"sub_issue":["<em>Personal</em> information incorrect"]},"sort":[13.556483,"2796603"]},{"_index":"complaint-public-v1","_id":"7682220","_score":13.48538,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint number XXXX Your response sent on XXXX XXXX I reject your response because I am certain your are committing identity theft fraud and violating the law at the same time. \nPlease be aware this is my last complaint. Every individual every debt collector has to OBEY the law. This Business still has not provide original contract as requested, instead they are sending bank statements. This is not a contract. This company is attempting to do business with them. Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this frivolous account on my credit report. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent, which, you have used to create this debt on my credit report. Let me explain, if you have used my Name and any other personal identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. ( See United States v. Kuc, 737 F.3d 129, 134 ) \" Pursuant to 18 U.S.C . 1028A ( a ) ( 1 ), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A ( c ), he \" knowingly... uses, without lawful authority, a means of identification of another person. '' The statute defines the term \" means of identification ''. To mean \" any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [ or ] date of birth. '' Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this trade-line then i will drop my claim. You have 3 days to delete this frivolous account if you fail I will file a claim against your unlawful company.","date_sent_to_company":"2023-10-11T19:26:38.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"76179","tags":null,"has_narrative":true,"complaint_id":"7682220","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2023-10-11T19:11:52.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Complaint number XXXX <em>Your</em> response sent on XXXX XXXX I reject <em>your</em> response because I am certain <em>your</em> are committing identity theft <em>fraud</em> and violating the law at the same time. \nPlease be aware this is my last complaint. Every individual every debt collector has to OBEY the law. This Business still has not provide original contract as requested, instead they are sending bank statements. This is not a contract. This company is <em>attempting</em> to do business with them."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"issue":["Improper use of <em>your</em> report"],"sub_product":["Other <em>personal</em> consumer report"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[13.48538,"7682220"]},{"_index":"complaint-public-v1","_id":"9178326","_score":13.336381,"_source":{"product":"Debt collection","complaint_what_happened":"FICTITIOUS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE ATTACH : A POLICE REPORT AND FTC REPORT INCLUDING A AFFIDAVIT OF NOTICE OF FRAUDULENT ACCOUNTS I am an identity theft victim and I have absolutely no knowledge of the alleged debts listed on your website. I am an eyewitness the information is incorrect and I demand the validation of all debts alleged to be mine listed on your website. I have attached a copy of an identity theft report filed with the Federal Trade Center and demand you cease and desist from the presentment of all information alleged to be mine in order to avoid any possible liable for the identity theft or data breach of personal information. I require all fraudulent data, accounts or information listed below completely blocked and deleted upon forwarding of the identity theft report and this affidavit of truth to any alleged creditor. All creditors must be aware that if they were eyewitnesses to their allegations, then they must know who stole my identity and possibly conspired with the individual to steal my identity and attempt to hold me to fraudulent/unenforceable contracts which an entity can not be an eyewitness to unless using deceptive practices in and affecting commerce. In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent and the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud.","date_sent_to_company":"2024-06-05T16:09:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"33023","tags":null,"has_narrative":true,"complaint_id":"9178326","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-06-05T16:09:09.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["All allege contracts are completely fraudulent and the <em>attempt</em> to enforce a fraudulent contract is unlawful due to the contract being <em>created</em> through the illegal activity of identity theft and power of attorney <em>fraud</em>."],"issue":["<em>Attempts</em> to collect debt not owed"]},"sort":[13.336381,"9178326"]},{"_index":"complaint-public-v1","_id":"7681792","_score":13.31644,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Response on XXXX XXXX Account number XXXX I reject your response due to this : I am certain your are committing identity theft fraud and violating the law at the same time. \nPlease be aware this is my last complaint. Every individual every debt collector has to OBEY the law. This Business still has not provide original contract as requested, instead they have attached bank statements. This is not a contract. This company is attempting to do business with them. Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this frivolous account on my credit report. I have reason to believe that you unlawfully obtained my personal identification information without my prior consent, which, you have used to create this debt on my credit report. Let me explain, if you have used my Name and any other personal identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. ( See United States v. Kuc, 737 F.3d 129, 134 ) \" Pursuant to 18 U.S.C . 1028A ( a ) ( 1 ), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A ( c ), he \" knowingly... uses, without lawful authority, a means of identification of another person. '' The statute defines the term \" means of identification ''. To mean \" any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [ or ] date of birth. '' Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this trade-line then i will drop my claim. You have 3 days to delete this frivolous account if you fail I will file a claim against your unlawful company.","date_sent_to_company":"2023-10-11T19:54:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76179","tags":null,"has_narrative":true,"complaint_id":"7681792","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2023-10-11T19:29:43.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["That you used to <em>create</em> this frivolous account on my credit report. I have reason to believe that you unlawfully obtained my <em>personal</em> identification information without my prior consent, which, you have used to <em>create</em> this debt on my credit report. Let me explain, if you have used my Name and any other <em>personal</em> identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and <em>your</em> agency."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"issue":["Improper use of <em>your</em> report"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[13.31644,"7681792"]},{"_index":"complaint-public-v1","_id":"5645494","_score":13.3012,"_source":{"product":"Debt collection","complaint_what_happened":"Attn : XXXX  XXXXFirst Financial Asset Management Inc.XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA. XXXX Whom It May Concern : ( In Reference to your recent letter XXXX ) I do not owe a debt to XXXX XXXX  XXXX for {$4700.00} Dollars XXXX Account XXXX : ( XXXX ). In the Past, I have provided business to XXXX XXXX XXXX XXXX from XXXX to XXXX while working for XXXX in excess of {$24000.00} Dollars in a 2 year period and given recommendation to friends and family to utilize their excellent rental services. I have not dealt with XXXX Since then on any extended services. I believe this is a vindictive retaliation and personal harassment on a XXXX individual and XXXX XXXX XXXX XXXX from both First Financial Asset Management Inc., and XXXX XXXX XXXX. This is a fraudulent falsification and extortionists illegal claim under both National and International LawXXXXThis is falsification of information and documentation fraud, since I have never borrowed money or utilized any credit or property agreement with this company on any recent basis. This illegal activity is being created by XXXX XXXX XXXX XXXX by intimidation, harassment and collaboration to utilizing governmental agencies and First Financial Asset Management Inc. in an attempt to embezzle money from me in a non-existent relationship for a debtnot established or owed to them. This is manipulation of governmental agencies to manipulate data and create a condition of entrapment, embezzlement, extortion and falsification of truth. This is a criminal activity that is punishable by both National Federal law and under XXXX XXXX XXXX XXXX XXXX and First Financial Asset Management are in violation of both National and International Laws and business practices of ethical code of conduct ; a fraudulent scheme used as a deception to deprive me of financial money and possession in an insurance swindle ( between XXXX XXXX and illegal fabrication of truth to leverage and create Credit Damage ) without any civil or federal law ruling, specifically against human rights and constitutional civil rights, XXXX, racism and discrimination and illegal business conduct against XXXX XXXX in the United States of America. I am forming a national and international community Civil and Human Rights awareness and action organizational group effort against your illegal practices across the United States and creating a national and international fund raiser against your aggressive criminal actions for restitution to the millions and billions of individuals in the XXXX and internationally that have been defrauded by your companies. I will be reporting your actions to the Washington XXXX, New York XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX and the XXXX and XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX and the XXXX XXXX both Federally and Local to investigate and dismantle both your criminal companies for racketeering with XXXX XXXX XXXX, illegal tax evasion, manipulation of the legal system with Local Governments in Michigan, Florida and Georgia.All these activities will be reported to the Attorney Generals Offices in XXXX, Michigan and Florida. Lawyers will be contacting both of your companies for Personal, XXXX XXXX XXXX Harassment, Anguish and XXXX XXXX. I am pursuing {$100000.00} Dollars Damages from both your organizations.","date_sent_to_company":"2022-07-15T21:42:02.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"5645494","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Strategic Alliances, Inc.","date_received":"2022-06-08T15:28:10.000Z","state":"MI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Indicated you were committing crime by not paying debt"},"highlight":{"complaint_what_happened":["Lawyers will be contacting both of <em>your</em> companies for <em>Personal</em>, XXXX XXXX XXXX Harassment, Anguish and XXXX XXXX. I am pursuing {$100000.00} Dollars Damages from both <em>your</em> organizations."]},"sort":[13.3012,"5645494"]},{"_index":"complaint-public-v1","_id":"7681972","_score":13.294694,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Response on XXXX XXXX Account number XXXX I reject your response due to this : I am certain your are committing identity theft fraud and violating the law at the same time. \nPlease be aware this is my last complaint. Every individual every debt collector has to OBEY the law. This Business still has not provide original contract as requested, instead they have attached bank statements. This is not a contract. This company is attempting to do business with them. Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this frivolous account on my credit report. I have reason to believe that you unlawfully obtained my personal identification information without my prior consent, which, you have used to create this debt on my credit report. Let me explain, if you have used my Name and any other personal identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. ( See United States v. Kuc, 737 F.3d 129, 134 ) \" Pursuant to 18 U.S.C . 1028A ( a ) ( 1 ), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A ( c ), he \" knowingly... uses, without lawful authority, a means of identification of another person. '' The statute defines the term \" means of identification ''. To mean \" any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [ or ] date of birth. '' Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this trade-line then i will drop my claim. You have 3 days to delete this frivolous account if you fail I will file a claim against your unlawful company.","date_sent_to_company":"2023-10-11T19:54:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"76179","tags":null,"has_narrative":true,"complaint_id":"7681972","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2023-10-11T19:54:20.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["That you used to <em>create</em> this frivolous account on my credit report. I have reason to believe that you unlawfully obtained my <em>personal</em> identification information without my prior consent, which, you have used to <em>create</em> this debt on my credit report. Let me explain, if you have used my Name and any other <em>personal</em> identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and <em>your</em> agency."],"product":["Credit reporting or other <em>personal</em> consumer reports"],"issue":["Improper use of <em>your</em> report"],"sub_issue":["Reporting company used <em>your</em> report improperly"]},"sort":[13.294694,"7681972"]},{"_index":"complaint-public-v1","_id":"20082455","_score":13.228212,"_source":{"product":"Checking or savings account","complaint_what_happened":"I, XXXX XXXX XXXX XXXX XXXX, hereby provide formal legal notice that I am the victim of identity theft and the unauthorized use of my personal identifying information in connection with an account associated with Navy Federal Credit Union, Checking, Saving and Business Accounts, Multiples Accounts. I have reason to believe that unknown individuals unlawfully obtained and used my personal identifying information, including but not limited to my name, date of birth, Social Security number, and residential address, to fraudulently open or access an account with your institution. I did not authorize, apply for, or consent to the creation or use of this account, and I have received no benefit from any transactions associated with it. The actions described constitute identity theft and fraud as defined under federal law, including the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ). Any financial obligation created through the fraudulent use of my identity is null, void, and unenforceable against me. Furthermore, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including Section 605B relating to identity theft, I hereby demand the immediate blocking, deletion, and removal of any account, balance, inquiry, or derogatory information associated with this fraudulent activity from all consumer reporting agencies. Your continued reporting or collection of a debt resulting from identity theft may constitute willful noncompliance with federal consumer protection laws. Additionally, any attempt to hold me liable for fraudulent activity violates my constitutional right to due process under the Fifth and Fourteenth Amendments of the United States Constitution. I can not legally be held responsible for obligations created through criminal misuse of my personal identity. Therefore, I demand that Navy Federal Credit Union take the following actions immediately : Conduct a full fraud investigation into the account associated with my identity. Immediately cease reporting this account to any consumer reporting agency. Permanently close and remove the fraudulent account from my name and credit profile. Provide written confirmation that I have no financial liability for any charges associated with the account. Provide copies of any applications, electronic signatures, IP logs, or documentation used to open or access the account so that the fraudulent activity may be further investigated. Be advised that this matter is being documented and may be submitted to federal regulatory and consumer protection authorities, including the Federal Trade Commission and the Consumer Financial Protection Bureau. Failure to correct this matter promptly may constitute willful noncompliance with federal law and may subject your institution to statutory damages, civil liability, and enforcement actions. Additionally, I am providing documentation and records identifying individuals located in XXXX XXXX who appear to be using my personal identifying information without my authorization. These individuals have allegedly used my identity to obtain financial services and open accounts without my knowledge.","date_sent_to_company":"2026-03-09T03:41:15.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33186","tags":"Servicemember","has_narrative":true,"complaint_id":"20082455","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-03-09T03:29:23.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["<em>Your</em> continued reporting or collection of a debt resulting from identity theft may constitute willful noncompliance with federal consumer protection laws. Additionally, any <em>attempt</em> to hold me liable for fraudulent activity violates my constitutional right to due process under the Fifth and Fourteenth Amendments of the United States Constitution. I can not legally be held responsible for obligations <em>created</em> through criminal misuse of my <em>personal</em> identity."]},"sort":[13.228212,"20082455"]},{"_index":"complaint-public-v1","_id":"12800286","_score":13.195296,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Since XXXX, I discovered that a XXXX XXXX account was fraudulently created under my name with Experian, and the individual responsible was able to change my personal information, including my contact details. As a result, I am unable to reset my password, as both the cell phone number and email address tied to my Social Security number are no longer mine. Since then, I have made numerous attempts to resolve the issue, including calling multiple times, only to find myself unable to reach a live representative on several occasions. I have spent hours on the phone with the company, and eventually, I was able to start a ticket number for the case. At this time, I have 3 different ticket numbers and every representative tells me this will be investigated and someone will reach out to me. No one has reached out. I also get told different things each time on how to resolve the issue. I have gotten bounced around the fraud department and membership customer service department. Both informed me about the Money Account having to be suspended before I moved forward. Finally suspended the money account but was told I needed to wait to be contacted by their dedicated team. Despite my efforts, I have not received any meaningful assistance, and the issue remains unresolved. \n\nThis situation is severely impacting my ability to buy a home and is causing me significant financial and emotional distress. I am particularly concerned about the safety of my Social Security number and personal data, as I can not get Experian to cooperate in securing my information. They provided a link for me to upload more personal information, including my ID and Social Security number, but even that link is no longer working. \n\nI am requesting your urgent assistance in expediting this process and ensuring that my personal information is fully protected. \n\nThank you for your time and attention to this matter.","date_sent_to_company":"2025-04-04T00:52:48.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"01841","tags":null,"has_narrative":true,"complaint_id":"12800286","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-03T23:51:29.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["I am particularly concerned about the safety of my Social Security number and <em>personal</em> data, as I can not get Experian to cooperate in securing my information. They provided a link for me to upload more <em>personal</em> information, including my ID and Social Security number, but even that link is no longer working. \n\nI am requesting <em>your</em> urgent assistance in expediting this process and ensuring that my <em>personal</em> information is fully protected. \n\nThank you for <em>your</em> time and attention to this matter."],"product":["Credit reporting or other <em>personal</em> consumer reports"]},"sort":[13.195296,"12800286"]},{"_index":"complaint-public-v1","_id":"12006989","_score":12.785215,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally lodge a complaint regarding an alarming and unprofessional debt collection attempt that I recently received via text message from PFC. In an era where privacy is increasingly being infringed upon and spam communications are rampant, it is highly concerning that a business would obtain my personal information without my consent and attempt to contact me in such a cryptic and unprofessional manner. \n\nI do not recognize the company that sent the text, nor do I have any knowledge of the alleged debt they are referring to. I have never received any formal communication by mail regarding this matter, which raises serious concerns about the legitimacy of this claim, as well as the manner in which my personal information was obtained. \n\nAs a consumer, I have the right to full disclosure, transparency, and proper verification of any alleged debt. Therefore, I am formally requesting : A full ledger detailing the history of the alleged debt, including all transactions and any applicable payments. \nA copy of any contract or agreement that allegedly binds me to this debt. \nAn explanation of how this company obtained my personal information and from whom it was acquired. \nThe use of text messages for debt collection, especially without prior communication through proper legal channels, is not only unprofessional but also potentially unlawful under the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. This practice creates confusion and distress for consumers and raises serious privacy concerns. \n\nI urge the Bureau to investigate this matter, as this type of behavior may be indicative of broader issues within the industry. I also request that any necessary action be taken to ensure that debt collection practices adhere to legal and ethical standards, protecting consumers from potential fraud, harassment, or identity misuse. \n\nI appreciate your prompt attention to this matter and request confirmation of receipt of this complaint, as well as any updates regarding the investigation. Please do not hesitate to contact me should you require any additional information.","date_sent_to_company":"2025-02-09T19:37:07.000Z","issue":"Communication tactics","sub_product":"I do not know","zip_code":"28025","tags":null,"has_narrative":true,"complaint_id":"12006989","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Professional Finance Company, Inc.","date_received":"2025-02-09T19:26:39.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["I am writing to formally lodge a complaint regarding an alarming and unprofessional debt collection <em>attempt</em> that I recently received via text message from PFC. In an era where privacy is increasingly being infringed upon and spam communications are rampant, it is highly concerning that a business would obtain my <em>personal</em> information without my consent and <em>attempt</em> to contact me in such a cryptic and unprofessional manner."]},"sort":[12.785215,"12006989"]},{"_index":"complaint-public-v1","_id":"20038809","_score":12.76327,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB COMPLAINT UMB BANK & XXXX XXXX Who are you filing against? \nPrimary : UMB Bank ( failure to stop unauthorized electronic fund transfers ) Secondary : XXXX XXXX XXXX XXXX XXXX XXXX ( forged contract and unauthorized billing ) What happened? \nI am reporting a case of fraud, forged contract, and unauthorized recurring charges involving XXXX XXXX and UMB Bank. Despite multiple attempts to resolve this with both companies, the unauthorized charges have continued for months, even after I revoked authorization and replaced my card. \nXXXX. XXXX XXXX created a fraudulent contract in my name. \nXXXX XXXX admitted that my original gym contract was canceled and redone without notifying me. They then provided me with a personal training contract that contains a forged signature. \nThe signature on the XXXX contract appears as : This is not my name, not my handwriting, and not my signature. \nMy real legal signature appears on my UMB HELOC agreement as : The signatures do not match in any way. XXXX created a contract in my name without my knowledge or consent and began billing me based on this forged document. \nA contract with a forged signature is void, unenforceable, and can not authorize any charges. \n\nXXXX. XXXX XXXX  charged my account repeatedly without authorization. \nI never signed the personal training agreement and never authorized any personal training charges. Despite this : XXXX  charged me {$88.00} on XX/XX/XXXX XXXX charged me {$88.00} on XX/XX/XXXX XXXX charged me again while I was physically in a UMB branch reporting the issue XXXX  charged me again after I replaced my card XXXX  charged me again on XX/XX/XXXX XXXX revoked authorization with XXXX  in XXXX, and the training manager confirmed cancellation. XXXX continued billing anyway. \nThese are unauthorized electronic fund transfers under Regulation E.\n\n3. UMB Bank failed to stop unauthorized charges and failed to follow Regulation E.\n\nI contacted UMB multiple times : On XX/XX/XXXX, UMB told me they could not help because the charge was pending. \nAt the branch, another {$88.00} charge processed while I was speaking to the manager. \nUMB issued me a new card on XX/XX/XXXX, but XXXX continued charging my account. \nOn XX/XX/XXXX, XXXXMB told me they would dispute the earlier charges but refused to add the newest one because it was pending.\n\nUMB repeatedly treated this as a billing dispute instead of fraud, despite the forged contract.\n\nUnder Regulation E, once I reported the charges as unauthorized, UMB was required to : Block future charges Investigate as fraud Provide provisional credit if the investigation exceeds 10 business days Treat all XXXX  charges as unauthorized transfers UMB did none of these things. \nInstead, they allowed XXXX  to continue debiting my account even after I replaced my card, demonstrating that XXXX  is using a stored billing token that should have been blocked once fraud was reported. \n\nWhat resolution are you seeking? \nI am requesting : 1. Full refund of all unauthorized XXXX  charges from XXXX to present. \n2. Immediate stoppayment order on all future XXXX XXXX XXXX XXXX \n3. A full Regulation E fraud investigation into UMBs handling of this case.\n\n4. Written confirmation that UMB acknowledges the forged contract and will treat all XXXX  charges as unauthorized. \n5. Correction of any negative account impacts caused by these unauthorized charges.\n\nWhy I am filing this complaint I have exhausted all reasonable attempts to resolve this with both XXXX XXXX and UMB Bank. XXXX created a fraudulent contract with a forged signature and continued billing me after cancellation. UMB failed to protect me from unauthorized transfers and failed to follow federal law.\n\nI am requesting CFPB assistance to ensure that UMB complies with Regulation E and that XXXX XXXX is held accountable for contract fraud and unauthorized billing. \n\nXXXX XXXX XXXX : Member Services XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX And also email it to : XXXX Fraud Notice and Demand for Immediate Contract Cancellation From : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Email : XXXX Phone : ( XXXX ) XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Member Services XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Date : ___________________ Re : Fraudulent Personal Training Contract Forged Signature, Unauthorized Billing, and Revocation of Authorization To Whom It May Concern, I am writing to formally notify XXXX XXXX and XXXX XXXX XXXX that the personal training contract associated with my membership was created without my knowledge or consent and contains a forged signature. This letter serves as a fraud notice, a revocation of authorization, and a demand for immediate cancellation of all related agreements and billing. \n\n1. The personal training contract contains a forged signature. \nThe contract XXXX  provided to me includes a signature that is not mine. \nThe signature on the document appears as a random string of characters and does not resemble my legal signature in any way. \nI did not sign this contract. \nI did not authorize anyone to sign on my behalf. \nI did not consent to personal training services or recurring charges. \nA contract signed with a forged signature is void, unenforceable, and can not authorize any billing. \n\nXXXX. XXXX admitted my original contract was canceled and redone without notifying me. \nDuring my conversations with XXXX  billing, I was told that my original contract had been canceled and replaced with a new one. I was never informed of this change, never consented to it, and never signed the replacement contract. \nThis constitutes contract tampering and misrepresentation. \n\n3. I revoked authorization in XXXX, yet charges continued. \nI notified XXXX  in XXXX that I did not authorize the personal training charges. \nThe training manageXXXX at the XXXX location confirmed cancellation and provided me with the forged contract. \nDespite this, XXXX continued billing me : XX/XX/XXXX XX/XX/XXXX Again while I was at my bank reporting the issue Again after I replaced my card Again on XX/XX/XXXX These charges were made after revocation and are therefore unauthorized. \n\nXXXX. Formal revocation of authorization Effective immediately, and retroactive to XX/XX/year> : I revoke authorization for XXXX XXXX and XXXX XXXX Solutions to charge any of my accounts.\n\nI withdraw consent for any automatic electronic fund transfers. \nI prohibit XXXX  and XXXX XXXX from storing, using, or attempting to use any billing tokens, card numbers, or payment information associated with me. \nAny further attempt to charge my account will be considered willful unauthorized billing. \n\n5. Demands I am demanding the following actions : 1. Immediate cancellation of the fraudulent personal training contract.\n\n2. Immediate cessation of all billing attempts by XXXX  and XXXX XXXX. \n3. Written confirmation that the forged contract has been voided and removed from your system.\n\n4. Refund of all unauthorized charges taken since XX/XX/year>. \n5. Assurance that no collections activity will be initiated based on the forged contract.\n\n6. Notice of regulatory filings Please be advised that I have filed or am filing complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Arizona Attorney Generals Office My financial institution ( UMB Bank ) under Regulation E These filings include documentation of the forged signature and unauthorized charges. \n\n7. Statement of truth I affirm that I did not sign the personal training contract, did not authorize these charges, and did not consent to the creation of a new contract in my name. \nSignature : XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2026-03-06T16:15:22.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"85304","tags":"Older American","has_narrative":true,"complaint_id":"20038809","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"UMB FINANCIAL CORPORATION","date_received":"2026-03-06T16:04:50.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["I am reporting a case of <em>fraud</em>, forged contract, and unauthorized recurring charges involving XXXX XXXX and UMB Bank. Despite multiple <em>attempts</em> to resolve this with both companies, the unauthorized charges have continued for months, even after I revoked authorization and replaced my card. \nXXXX. XXXX XXXX <em>created</em> a fraudulent contract in my name. \nXXXX XXXX admitted that my original gym contract was canceled and redone without notifying me."],"issue":["Problem with a lender or other company charging <em>your</em> account"]},"sort":[12.76327,"20038809"]},{"_index":"complaint-public-v1","_id":"2765034","_score":12.686403,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX identity theft : Statement of claim - i XXXX XXXX XXXX did not give permission for XXXX XXXX or any banks involved to use my private and personal information to create any loans transactions nor accounts. My private information and personal information has been stolen and used by way of identity theft to create such loans securities and such the like. I have made every attempt to settle these matters and now are filing claims in federal state court ( s ). \n1. THE PARTIES Comes now the Real Party ( s ) In Interest XXXX XXXX XXXX, and XXXX XXXX XXXX is now, and at all times relevant to this action, the real property owners and residents of the County of XXXX XXXX, State of CALIFORNIA. \nDefendant ( s ), XXXX XXXX XXXX XXXX and all other subsidiaries involved. \n2. JURISDICTION The real property is located at XXXX XXXX XXXX XXXX XXXX CA [ XXXX ] Aka the Republic of California as well the alleged transactions and events which are the subject matter of this Claim all occurred within the County of XXXX XXXX, State of CALIFORNIA. Wherein XXXX XXXX not The Department Of Education, has alleged to to acquire and service a loan from The Department Of Education, XXXX XXXX, and such the like as of XXXX 2016. All the documents produced by XXXX XXXX are unverified, without validation from an officer or agent of status within the banking agency or servicing collection dept. \nThe DefendanXXXX XXXX XXXX, used deceptive debt collection practices to attempt to create a contract by way of payment stated on their letter head We are a debt collector. This communication is an attempt to collect a debt and any information obtained will be used that purpose. However, to the extent your original obligation was discharged or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this notice is for compliance with non-bankruptcy law and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. Nothing in this letter ( including our use of the words \" your, '' \" loan, '' debt, '' or \" account '' ) means that you 're required to repay a debt that 's been discharged. Any payment you make on the account is voluntary, but we may still have rights under the security instrument, including the right to the property. \nThis information of creation of debt is false. All my private and personal information has been used to create this loan as in identity theft. It is believed and proven that XXXX XXXX are aquatinted with other agencies such as banks and are attempting to extort due to my investments and money wealth status. There connections are obvious as to the previous banks that has attempted to create a mortgage loan by identity theft and forgery. XXXX XXXX stated that they had my wet signature but such is impossible because i never signed any documents with a pen in ink for a contract of such, and they have failed to produce such alleged accounts. \nThey used such wording to deceive such as lf you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney 's name, address, and telephone number. This is deceptive due to the fact that many attempts where made on the behalf of the Plaintiffs to removed the debt with offer ( s ) to pay, accepted for value return for value aka discharge and a bond money order which was not rejected in writing nor in explanation with a legal notarized document with agent or officer signature explanation as to why or why not offers where not excepted within the legal bylaws UCC laws etc, .. \nDefinition - Acceptance for Value is a remedy available only in commercial law ( the Uniform Commercial Code or UCC ). One can accept for value ONLY a commercial instrument that has been issued for value, that is when 1. ) the instrument has been issued to generate value where there is NO prior value ; AND when 2. ) the instrument ( such as a bill or a charge ) has NO signed contract to back it up. \nIn short, an instrument issued for value is an OFFER TO CONTRACT from someone ( the ISSUER ), unbacked by a pre-existing, written contract, in which that person is attempting to get YOU to give value to that instrument by having you falsely believe that you owe money when you, in fact, owe nothing. HOW you respond, determines whether YOU or the ISSUER becomes liable for the amount claimed. If you ignore the offer ( and therefore dishonor the person making the offer ) or give it a blank endorsement ( with your signature only ), you have assumed liability for the amount specified. However, if you give the instrument a qualified endorsement or conditional acceptance ( by accepting it for value ), you have, in fact, made a counteroffer, and kept yourself in honor by responding to the original offer, and thereby kept the liability on the ISSUER. In the case of a bill sent to you, your qualified endorsement via accepted for value keeps the ISSUER liable for the money claimed NOT you! You retain your status as the creditor in the situation, and it is up to YOU whether that instrument ( the bill or charge you received ) becomes a negotiable instrument ( money ) with which you can settle the account. You can either accept for value, placing all liability for payment on the original issuer ; OR you can accept for value and then specify that the money will be paid using the money created by your government bond created by your Birth Certificate under the emergency laws enacted following the bankruptcy of the U.S. in 1933. ( Note : In the bankruptcy of 1933 the U.S. government took ownership of all land and possessions of the American people, including the people themselves as surety for further loans from the Federal Reserve and the international bankers. Under the legal TRUST created by the U.S. Constitution, such a taking action would have been outright theft and fraud, so the government was required to offer a remedy to the people, as the beneficiaries of that TRUST, in order to exercise their rights, if they so choose. ) Since the issuer had NO signed, written contract to back his claim, he was forced to issue for value ( i.e., issue it in an attempt to create value ) his instrument ( whether a bill, legal indictment, traffic ticket or other violation of a statute, any demand for payment, or whatever ). In essence, the issuer is throwing you a hot potato and is hoping you will be ignorant enough to simply accept the instrument as a contract offer as it is ; and give it value by ignoring it or by your blank endorsement ; and to thereby accept the liability for paying it. If you accept it for value and return it for value, you have tossed him back the hot potato in the form of a counteroffer, so that he ( the issuer ) becomes liable for the amount of money specified in his original instruments claim, unbacked by any pre-existing contract. \nConsequently, the instrument issued pays the instrument! The original issuer pays the original issue he pays himself. Therefore, the transaction is balanced to zero and closed. \nOf note : In ALL penal actions for violations of STATUTES, the national debt is the PRESUMED preexisting contract, for purchase, that influences the conscience of the judge in making his decisions. Since under the Laws of XXXX and the Natural Law ( derived from Gods Law ), ALL men are equal in authority. Therefore, no man or body of men can legitimately coerce or force another man to do something against his wishes and will! Consequently, under the Common Law, and international commercial law, NO man can be forced into a contract against his wishes, AND there must be equal consideration ( things of equal VALUE ) exchanged between the parties, with full disclosure of information, in order for a contract to be valid. It appears that today, few Americans realize that under long-standing international law, ALL legislated STATUTES or ACTS by any legislative body are mere OFFERS TO CONTRACT, which any individual man has the right to accept or refuse, as he wishes. One must remember that since 1933, ALL statutes ( legislated laws ) in the U.S. exist to pay back the national debt of the U.S. to the Federal Reserve banks and other U.S. creditors and they want you to agree and consent to be liable for this debt! Therefore, if a district attorney issues an information ( similar to an indictment, but not requiring a grand jury ) to you charging you with a crime, you have three choices regarding his offer to contract. First, you can IGNORE it, in which case you are in dishonor and assume liability for payment in either money or service in prison to repay the national debt. Second, you can SIGN it without conditions ( called an unqualified endorsement or blank endorsement ), then you have created a negotiable instrument by giving it value and have assumed liability for paying it, which can then be enforced by the issuer ( the district attorney as the government ) to help pay off the national debt. OR third, you can sign the information with a qualified endorsement using accept for value ( a counteroffer ), by which you give that instrument a monetary value, but keep the liability for paying it on the ISSUER. So, in the case of legal charges against you by a district attorney or a court clerk ( usually by a traffic ticket issued by a police officer ), through an accept for value endorsement you have avoided all liability ; and kept the liability for payment ( as money and/or a prison sentence ) on the district attorney and/or court clerk it is then, THEY who need to pay the fine or fulfill the imposed prison sentence for that statute violation ; NOT you, since you did not accept liability. They tossed a hot potato to you and expected you to pay. But since they had NO signed, written contract in which you agreed to obey that particular statute, they were required under U.C.C. commercial law to issue that document for value that is, to issue it in the hope that YOU would give it value AND take liability for paying it by accepting it without any qualifications. However, by your accept for value qualified endorsement, you agreed to it and gave it its value, but declined to accept liability for payment. Then by returning the instrument ( the charges against you ), you tossed the hot potato back to them and kept THEM liable for any payments! This system may sound INSANE, but this is how the financial and legal system was set up following the 1933 bankruptcy of the U.S., along with the amended extensions of national emergency of 1917 and 1933. When you go to court, you go to a legislative-statutory court in essence, a XXXX court operating under the UCC bankruptcy code whose sole purpose is to fund the national debt NOT into a true judicial court. You are PRESUMED guilty and are subject to a summary judgment without any trial by jury, unless you simultaneously convene your OWN court-of-record under the Common Law within that courtroom. And that system is still in effect today within the U.S. \ni XXXX XXXX XXXX the Real Party ( s ) In Interest would prefer a quick resolution. We pray that this can be resolved asap or we shall prey on these factual evidences that has been provided to the Defendant and company for the past eight ( 2 ) years and therefore does not possess that of the Real Party ( s ) In Interest assets therein. \nAny and all attempts of Records of accounts shall be blocked by all credit reporting agencies or each one will be aiding and abetting in deed fraud, an alleged mortgage loan, and identity theft, leading to extortion, which claims are being filed at this moment against all banks and personnel involved, not limited to corporations government agencies and others.","date_sent_to_company":"2017-12-27T17:56:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93536","tags":null,"has_narrative":true,"complaint_id":"2765034","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-12-27T17:40:57.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX identity theft : Statement of claim - i XXXX XXXX XXXX did not give permission for XXXX XXXX or any banks involved to use my private and <em>personal</em> information to <em>create</em> any loans transactions nor accounts. My private information and <em>personal</em> information has been stolen and used by way of identity theft to <em>create</em> such loans securities and such the like. I have made every <em>attempt</em> to settle these matters and now are filing claims in federal state court ( s ). \n1."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[12.686403,"2765034"]},{"_index":"complaint-public-v1","_id":"21850161","_score":12.682576,"_source":{"product":"Debt collection","complaint_what_happened":"* * * I attempted to conduct online research to resolve this described below and did not feel comfortable creating an account with a third-party Resurgent and providing personal information over the phone or on an unknown third-party site. * * * On XX/XX/XXXX and XX/XX/year>, I received two fraudulent text messages purported to be from XXXX XXXX XXXX XXXX ( debt collector ). Your XXXX XXXX XXXX balance needs attention. A hyperlink was associated and that hyperlink led to a portal with XXXX XXXX XXXX XXXX company header and footer with phone number, address and email with a balance of {$27000.00} reference number XXXX. I dispute these claims as fraud and harassment. \n\n* The name associated with the account is not mine. \n* I have never owned an account with XXXX XXXX  XXXX, nor have I ever given permission to conduct financial business with XXXX XXXX XXXX to access my personal information. I have never heard of this institution prior to this. \n* I have never had any financial business with LVNV Funding LLC or have ever given permission to conduct financial business with LVNV Funding LLC to access my personal information. I have never given permission for these entiities to utilize my cellular phone number. \n* I have active credit freezes with XXXX, XXXX  and XXXX XXXX for over a decade and don't want any erroneous or frivolous credit discrepancies. \n\nThis matter has caused undue stress to myself as this can adversely effect my occupation. \n\nI have received numerous erroneous phone calls and text messages purported to be from XXXX XXXX XXXX XXXX. LVNV Funding LLC is listed as the current creditor. I dispute these claims, phone calls and text messages as fraud and harassment. All the listings on my credit reports are bonified and legitimate. My cellular phone number has been used in error or by fraudulent means.","date_sent_to_company":"2026-05-04T14:23:42.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"60452","tags":null,"has_narrative":true,"complaint_id":"21850161","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2026-05-04T14:04:12.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["* * * I <em>attempted</em> to conduct online research to resolve this described below and did not feel comfortable <em>creating</em> an account with a third-party Resurgent and providing <em>personal</em> information over the phone or on an unknown third-party site. * * * On XX/XX/XXXX and XX/XX/year>, I received two fraudulent text messages purported to be from XXXX XXXX XXXX XXXX ( debt collector ). <em>Your</em> XXXX XXXX XXXX balance needs attention."],"issue":["<em>Attempts</em> to collect debt not owed"]},"sort":[12.682576,"21850161"]},{"_index":"complaint-public-v1","_id":"2765063","_score":12.667271,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX identity theft : Statement of claim - i XXXX XXXX XXXX did not give permission for XXXX XXXX or any banks involved to use my private and personal information to create any loans transactions nor accounts. My private information and personal information has been stolen and used by way of identity theft to create such loans securities and such the like. I have made every attempt to settle these matters and now are filing claims in federal state court ( s ). \n1. THE PARTIES Comes now the Real Party ( s ) In Interest XXXX XXXX XXXX, and XXXX XXXX XXXX is now, and at all times relevant to this action, the real property owners and residents of the County of XXXX XXXX, State of CALIFORNIA. \nDefendant ( s ), XXXX XXXX XXXX XXXX and all other subsidiaries involved. \n2. JURISDICTION The real property is located at XXXX XXXX XXXX XXXX XXXX CA [ XXXX ] Aka XXXX XXXX XXXX California as well the alleged transactions and events which are the subject matter of this Claim all occurred within the County of XXXX XXXX, State of CALIFORNIA. Wherein XXXX XXXX not The Department Of Education, has alleged to to acquire and service a loan from The Department Of Education, XXXX XXXX, and such the like as of XXXX XXXX. All the documents produced by XXXX XXXX are unverified, without validation from an XXXX or agent of status within the banking agency or servicing collection dept. \nThe Defendant XXXX XXXX, used deceptive debt collection practices to attempt to create a contract by way of payment stated on their letter head We are a debt collector. This communication is an attempt to collect a debt and any information obtained will be used that purpose. However, to the extent your original obligation was discharged or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this notice is for compliance with non-bankruptcy law and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. Nothing in this letter ( including our use of the words \" your, '' \" loan, '' debt, '' or \" account '' ) means that you 're required to repay a debt that 's been discharged. Any payment you make on the account is voluntary, but we may still have rights under the security instrument, including the right to the property. \nThis information of creation of debt is false. All my private and personal information has been used to create this loan as in identity theft. It is believed and proven that XXXX XXXX are aquatinted with other agencies such as banks and are attempting to extort due to my investments and money wealth status. There connections are obvious as to the previous banks that has attempted to create a mortgage loan by identity theft and forgery. XXXX XXXX stated that they had my wet signature but such is impossible because i never signed any documents with a pen in ink for a contract of such, and they have failed to produce such alleged accounts. \nThey used such wording to deceive such as lf you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney 's name, address, and telephone number. This is deceptive due to the fact that many attempts where made on the behalf of the Plaintiffs to removed the debt with offer ( s ) to pay, accepted for value return for value aka discharge and a bond money order which was not rejected in writing nor in explanation with a legal notarized document with agent or officer signature explanation as to why or why not offers where not excepted within the legal bylaws UCC laws etc, ..\n\nDefinition - Acceptance for Value is a remedy available only in commercial law ( the Uniform Commercial Code or UCC ). One can accept for value ONLY a commercial instrument that has been issued for value, that is when 1. ) the instrument has been issued to generate value where there is NO prior value ; AND when 2. ) the instrument ( such as a bill or a charge ) has NO signed contract to back it up. In short, an instrument issued for value is an OFFER TO CONTRACT from someone ( the ISSUER ),\nunbacked by a pre-existing, written contract, in which that person is attempting to get YOU to give value to that instrument by having you falsely believe that you owe money when you, in fact, owe nothing. HOW you respond, determines whether YOU or the ISSUER becomes liable for the amount claimed. If you ignore the offer ( and therefore dishonor the person making the offer ) or give it a blank endorsement ( with your signature only ), you have assumed liability for the amount specified. However, if you give the instrument a qualified endorsement or conditional acceptance ( by accepting it for value ), you have, in fact, made a counteroffer, and kept yourself in honor by responding to the original offer, and thereby kept the liability on the ISSUER. In the case of a bill sent to you, your qualified endorsement via accepted for value keeps the ISSUER liable for the money claimed NOT you! You retain your status as the creditor in the situation, and it is up to YOU whether that instrument ( the bill or charge you received ) becomes a negotiable instrument ( money ) with which you can settle the account. You can either accept for value, placing all liability for payment on the original issuer ; OR you can accept for value and then specify that the money will be paid using the money created by your government bond created by your Birth Certificate under the emergency laws enacted following the bankruptcy of the U.S. in 1933. ( Note : In the bankruptcy of 1933 the U.S. government took ownership of all land and possessions of the American people, including the people themselves as surety for further loans from the Federal Reserve and the international bankers. Under the legal TRUST created by the U.S. Constitution, such a taking action would have been outright theft and fraud, so the government was required to offer a remedy to the people, as the beneficiaries of that TRUST, in order to exercise their rights, if they so choose. ) Since the issuer had NO signed, written contract to back his claim, he was forced to issue for value ( i.e., issue it in an attempt to create value ) his instrument ( whether a bill, legal indictment, traffic ticket or other violation of a statute, any demand for payment, or whatever ). In essence, the issuer is throwing you a hot potato and is hoping you will be ignorant enough to simply accept the instrument as a contract offer as it is ; and give it value by ignoring it or by your blank endorsement ; and to thereby accept the liability for paying it. If you accept it for value and return it for value, you have tossed him back the hot potato in the form of a counteroffer, so that he ( the issuer ) becomes liable for the amount of money specified in his original instruments claim, unbacked by any pre-existing contract. \nConsequently, the instrument issued pays the instrument! The original issuer pays the original issue he pays himself. Therefore, the transaction is balanced to zero and closed. \nOf note : In ALL penal actions for violations of STATUTES, the national debt is the PRESUMED preexisting contract, for purchase, that influences the conscience of the judge in making his decisions. Since under the Laws of XXXX and the Natural Law ( derived from XXXX Law ), ALL men are equal in authority. Therefore, no man or body of men can legitimately coerce or force another man to do something against his wishes and will! Consequently, under the Common Law, and international commercial law, NO man can be forced into a contract against his wishes, AND there must be equal consideration ( things of equal VALUE ) exchanged between the parties, with full disclosure of information, in order for a contract to be valid. It appears that today, few Americans realize that under long-standing international law, ALL legislated STATUTES or ACTS by any legislative body are mere OFFERS TO CONTRACT, which any individual man has the right to accept or refuse, as he wishes. One must remember that since 1933, ALL statutes ( legislated laws ) in the U.S. exist to pay back the national debt of the U.S. to the Federal Reserve banks and other U.S. creditors and they want you to agree and consent to be liable for this debt! Therefore, if a district attorney issues an information ( similar to an indictment, but not requiring a grand jury ) to you charging you with a crime, you have three choices regarding his offer to contract. First, you can IGNORE it, in which case you are in dishonor and assume liability for payment in either money or service in prison to repay the national debt. Second, you can SIGN it without conditions ( called an unqualified endorsement or blank endorsement ), then you have created a negotiable instrument by giving it value and have assumed liability for paying it, which can then be enforced by the issuer ( the district attorney as the government ) to help pay off the national debt. OR third, you can sign the information with a qualified endorsement using accept for value ( a counteroffer ), by which you give that instrument a monetary value, but keep the liability for paying it on the ISSUER. So, in the case of legal charges against you by a district attorney or a court clerk ( usually by a traffic ticket issued by a police officer ), through an accept for value endorsement you have avoided all liability ; and kept the liability for payment ( as money and/or a prison sentence ) on the district attorney and/or court clerk it is then, THEY who need to pay the fine or fulfill the imposed prison sentence for that statute violation ; NOT you, since you did not accept liability. They tossed a hot potato to you and expected you to pay. But since they had NO signed, written contract in which you agreed to obey that particular statute, they were required under U.C.C. commercial law to issue that document for value that is, to issue it in the hope that YOU would give it value AND take liability for paying it by accepting it without any  qualifications. However, by your accept for value qualified endorsement, you agreed to it and gave it its value, but declined to accept liability for payment. Then by returning the instrument ( the charges against you ), you tossed the hot potato back to them and kept THEM liable for any payments! This system may sound INSANE, but this is how the financial and legal system was set up following the 1933 bankruptcy of the U.S., along with the amended extensions of national emergency of 1917 and 1933. When you go to court, you go to a legislative-statutory court in essence, a Maritime-Admiralty court operating under the UCC bankruptcy code whose sole purpose is to fund the national debt NOT into a true judicial court. You are PRESUMED guilty and are subject to a summary judgment without any trial by jury, unless you simultaneously convene your OWN court-of-record under the Common Law within that courtroom. And that system is still in effect today within the U.S. \ni XXXX XXXX XXXX the Real Party ( s ) In Interest would prefer a quick resolution. We pray that this can be resolved asap or we shall prey on these factual evidences that has been provided to the Defendant and company for the past eight ( 2 ) years and therefore does not possess that of the Real Party ( s ) In Interest assets therein. \nAny and all attempts of Records of accounts shall be blocked by all credit reporting agencies or each one will be aiding and abetting in deed fraud, an alleged mortgage loan, and identity theft, leading to extortion, which claims are being filed at this moment against all banks and personnel involved, not limited to corporations government agencies and others.","date_sent_to_company":"2017-12-27T17:56:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93536","tags":null,"has_narrative":true,"complaint_id":"2765063","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-12-27T17:56:54.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["XXXX XXXX identity theft : Statement of claim - i XXXX XXXX XXXX did not give permission for XXXX XXXX or any banks involved to use my private and <em>personal</em> information to <em>create</em> any loans transactions nor accounts. My private information and <em>personal</em> information has been stolen and used by way of identity theft to <em>create</em> such loans securities and such the like. I have made every <em>attempt</em> to settle these matters and now are filing claims in federal state court ( s ). \n1."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"],"issue":["Incorrect information on <em>your</em> report"]},"sort":[12.667271,"2765063"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1633,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1633}]}},"product":{"doc_count":1633,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":871,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":864},{"key":"Other personal consumer report","doc_count":7}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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