{"took":89,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":235,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2247952","_score":18.284573,"_source":{"product":"Mortgage","complaint_what_happened":"FROM THE LAST CFPB RESPONSE BY NATIONSTAR \" Unless there is new and material information that has not been provided to Nationstar Mortgage for investigation, Nationstar Mortgage considers this matter resolved. '' WE PROVIDED NEW EVIDENCE WHICH THEY IGNORED ... BUT WE WILL LIMIT THIS COMPLAINT TO THESE FOLLOW UP QUESTIONS ~ Nationstar admitted loan origination fraud, loan servicing fraud, embezzlement and more ... when did these acts become legal for your company? \n\nNationstar has repeatedly claimed to be the Federal Government/FNMA while hiding their identity from people seeking legal recourse ... when did this become legal for your company? \n\nNationstar is intentionally defrauding consumers and the US Federal Government using fraud ... .when did these acts become legal for your company? \n\nPlease note ... the rest of us have no waiver for these laws, can I get a copy of your criminal and civil law exemption? \n\nPLEASE NOTE THAT NATIONSTAR HAS CONFRIMED THESE CRIMES HAVE OCCURRED ... THEY ARE NOT ALLEGATIONS ... THE COVER UP AND CLAIMS OF NO WRONGDOING AFTER CONFRIMING THE CRIME EXPOSED A COMPLEX, WELL ORGANIZED, CRIMINAL AND CIVIL RACKET ... A RACKETEERING SCAM PROSECUTABLE UNDER RICO ( The Racketeer Influenced and Corrupt Organizations Act, commonly referred to as the RICO Act or simply RICO )","date_sent_to_company":"2016-12-13T10:46:38.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"FHA mortgage","zip_code":"34293","tags":"Older American","has_narrative":true,"complaint_id":"2247952","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NATIONSTAR MORTGAGE LLC","date_received":"2016-12-13T10:46:37.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["THE COVER UP AND CLAIMS OF NO WRONGDOING AFTER CONFRIMING THE CRIME EXPOSED A COMPLEX, <em>WELL</em> ORGANIZED, CRIMINAL AND CIVIL RACKET ... A RACKETEERING SCAM PROSECUTABLE UNDER <em>RICO</em> ( The Racketeer Influenced and Corrupt Organizations Act, commonly referred to as the <em>RICO</em> Act or simply <em>RICO</em> )"]},"sort":[18.284573,"2247952"]},{"_index":"complaint-public-v1","_id":"12659417","_score":18.140388,"_source":{"product":"Mortgage","complaint_what_happened":"To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Wells Fargo Bank, N.A.s Role in Loan Laundering, Fraudulent Foreclosure & RICO Predicate Acts **Re : CFPB Case No. XXXX Additional Complaint Against Wells Fargo Bank , N.A . Based on XXXX XXXX XXXX Confession Dear CFPB Officials, This complaint supplements the current investigation under CFPB Case No. XXXX and expands it to include Wells Fargo Bank , N.A . for its role in a fraudulent foreclosure, loan laundering operation, and a pattern of racketeering activity ( RICO predicate acts ). \n\nSummary of Facts XXXX. XXXX XXXX XXXX Confession Confirms Loan Was Paid Off in XXXX On XX/XX/XXXX, XXXX XXXX XXXXXXXX confirmed that Loan # XXXX was paid in full on XX/XX/XXXX, prior to their acquisition of XXXX. \n\nXXXX  XXXX XXXX letter acknowledges that the loan was securitized into XXXX Asset-Backed Certificates Trust XXXX and that XXXX was the investor of record. \n\nThis effectively nullifies any claim of ongoing debt or foreclosure beyond that date. \n\n\n2. Wells Fargos Claims Contradict XXXX XXXX and Confirm Loan Laundering Despite XXXX XXXX XXXXXXXX confirmation of payoff and securitization, Wells Fargo claimed to have purchased the same note from XXXX XXXX via XXXXXXXX XXXX XXXXXXXX, and further claimed to be the holder in due course ( XXXX ) of the note. \n\nHowever, a forensic affidavit confirms that XXXX XXXX sold the same loan into XXXX XXXX XXXX XXXX XXXX, and no legal repurchase or removal from that trust ever occurred. \n\nWells Fargos claim is therefore legally impossible and serves as confirmation of loan laundering : attempting to recreate a paid-off and securitized loan to fabricate a default scenario.\n\n3. Foreclosure Was Based on Falsified Records Wells Fargo pursued a foreclosure using Loan # XXXX, a fabricated loan number used to obscure the securitized nature of the original note. \n\nThis strategy amounts to title laundering and fraud in the factum, further supported by : A void Assignment of Mortgage from XXXX. \n\nA post-foreclosure claim of indemnification by Wells Fargo, despite no recorded lien. \n\nAbsence of any legitimate chain of title between XXXX XXXX and Wells Fargo. \n\nRICO Predicate Acts by Wells Fargo Bank , N.A . \n\nXXXX XXXX conduct constitutes a pattern of racketeering activity under the Racketeer Influenced and Corrupt Organizations Act ( RICO ), including : 18 U.S.C. 1341 Mail Fraud : Using the mail to transmit false default notices and fraudulent assignments.\n\n18 U.S.C. 1343 Wire Fraud : Electronic transmission of fabricated servicing records, foreclosure notices, and fake loan account identifiers.\n\n18 U.S.C. 1956 Money Laundering : Repurposing a paid, securitized debt into a new loan for collection and foreclosure.\n\n18 U.S.C. 1028 Fraudulent Documents : Relying on false endorsements and void assignments to support foreclosure filings. \n\n\nRequested Action from the CFPB We respectfully request that the CFPB : 1. Initiate a separate enforcement action against Wells Fargo Bank , N.A . for mortgage fraud, loan laundering, and servicing deception.\n2. Refer findings to the U.S. Department of Justice and HUD OIG for further review under the False Claims Act and RICO. \n\n\n3. Subpoena Wells Fargos custodial records showing the alleged note purchase, XXXX XXXX, and any warehouse XXXX XXXX from XXXXXXXX XXXX XXXX \n\n\n4. Order immediate restitution for the wrongful foreclosure and rent loss from XXXX to present, including : Return of title to the Estate of XXXX XXXX, XXXX. \n\nCompensation for over 9 years of Section 8 rental income fraudulently collected. \n\nFull audit of servicing practices for all loans originated by XXXX XXXX and/or XXXXXXXX XXXX XXXXXXXX XXXX \n\n\nConclusion XXXX XXXX XXXXXXXX admission exposed the truth : Loan # XXXX was paid in full and securitized, making any subsequent foreclosure unlawful. Wells Fargos contradictory claims, fabricated paper trail, and deceptive servicing actions constitute textbook mortgage fraud, RICO violations, and a scheme to defraud both borrowers and federal agencies. \n\nThis case presents a critical opportunity for the CFPB to expose systemic misconduct and restore public trust in mortgage servicing oversight. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX XXXX On Behalf of the Estate of XXXX XXXX, XXXX. \nDate : XX/XX/XXXXXXXX XXXX","date_sent_to_company":"2025-03-25T12:52:18.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"13760","tags":null,"has_narrative":true,"complaint_id":"12659417","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-03-25T12:32:54.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["This strategy amounts to title laundering and <em>fraud</em> in the factum, further supported by : A void Assignment of Mortgage from XXXX. \n\nA post-foreclosure claim of indemnification by <em>Wells</em> Fargo, despite no recorded lien. \n\nAbsence of any legitimate chain of title between XXXX XXXX and <em>Wells</em> Fargo. \n\n<em>RICO</em> Predicate Acts by <em>Wells</em> Fargo Bank , N.A ."],"company":["<em>WELLS</em> FARGO & COMPANY"]},"sort":[18.140388,"12659417"]},{"_index":"complaint-public-v1","_id":"12021294","_score":17.62823,"_source":{"product":"Mortgage","complaint_what_happened":"JOINT FORMAL NOTICE TO XXXX XXXX, XXXX. AND WELLS FARGO BANK , N.A . REGARDING SECURITIZATION DATE : XXXX XXXX SUBJECT : FORMAL NOTICE OF SECURITIZATION FRAUD, DOUBLE PLEDGING, TRUSTEE LIABILITY, FALSE CLAIMS ACT VIOLATIONS, AND POTENTIAL RICO CONSPIRACY -- - INTRODUCTION This letter serves as formal notice to XXXX XXXX, XXXX. ( as Trustee for XXXX XXXX XXXX Trust XXXX ) and Wells Fargo Bank XXXX N.A., regarding their roles in a fraudulent securitization scheme involving the same mortgage loan being unlawfully pledged into multiple mortgage-backed securities ( MBS ) trusts, investor fraud, and federal law violations, including but not limited to the Racketeer Influenced and Corrupt Organizations Act ( RICO ), the Securities Act of 1933, and the False Claims Act. \n\nThe Notarized Affidavit of XXXX XXXX XXXX, XXXX, a licensed private XXXX and mortgage fraud expert, confirms that the subject loan was securitized into XXXX XXXX XXXX Trust XXXX, which XXXX XXXX  XXXX XXXX. oversees as trustee, while simultaneously being pledged into XXXX  Asset-Backed Securities XXXX XXXX, which is overseen by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nThis evidence, supported by sworn testimony, legally admissible exhibits, and verified loan-level data, establishes a pattern of fraudulent activity implicating both Wells Fargo Bank , N.A . and XXXX XXXX, XXXX. as co-conspirators in a scheme to deceive investors, government regulators, and courts. \n\n\n-- - EVIDENCE OF FRAUDULENT SECURITIZATION & JOINT LIABILITY OF WELLS FARGO XXXX XXXX XXXX  1. Double Pledging of the Same Mortgage Loan The same mortgage loan was unlawfully securitized into two separate mortgage-backed securities ( MBS ) trusts : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX as XXXX  ) XXXX  Asset-Backed Securities XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A single mortgage debt can not legally be sold into multiple trusts, constituting securities fraud, investor fraud, and fraudulent misrepresentation. \n\n\n\n2. Wells Fargo Bank , N.A . Fraudulently Claimed Ownership ( PETE Status ) While Acting as Servicer Wells Fargo Bank , N.A . falsely claimed to be the PETE ( Person Entitled to Enforce the Note ) while simultaneously acknowledging that the loan was securitized into XXXX XXXX XXXX Trust XXXX. \n\nThe Loan Level Data retrieved from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, confirms that the subject loan remains in XXXX XXXX XXXX Trust XXXX, directly contradicting Wells Fargos claims of ownership. \n\nThe original Note and Mortgage do not list XXXX XXXX XXXX Trust XXXX as a party, nor is XXXX XXXX  XXXX XXXX. referenced as the trustee holding legal title to the loan. \n\nWells Fargos endorsement of the note was incomplete and legally defective, as confirmed in Exhibit A ( Esquivel Affidavit ) and Exhibit B ( Promissory Note ). \n\n\n\n3. False Claims Act Violations Fraudulent FHA Insurance Claims Wells Fargo Bank , N.A . received FHA insurance proceeds on XX/XX/XXXX, despite the loans improper securitization and double pledging. \n\nXXXX XXXX, XXXX. failed in its fiduciary duty as trustee to prevent fraudulent claims against government-backed insurance programs, thereby enabling Wells Fargos False Claims Act ( 31 U.S.C. 3729-3733 ) violations. \n\nIf FHA insurance was paid on a loan that was securitized, neither Wells Fargo nor XXXX XXXX  should have received payments, constituting a fraudulent government claim. \n\n\n\n4. RICO Conspiracy Between Wells Fargo Bank , N.A . & XXXX XXXX, XXXX. \n\nA pattern of fraudulent activity, deceptive mortgage assignments, and misrepresented securitization transactions demonstrates a scheme to defraud borrowers, investors, and government agencies. \n\nWells Fargo knowingly misrepresented its status as PETE, XXXX XXXX  oversaw a trust that never legally acquired the loan, and both banks participated in an orchestrated effort to defraud investors and federal regulators. \n\nThese activities constitute a pattern of racketeering activity ( RICO violations ) under 18 U.S.C. 1961-1968. \n\n\n\n\n\n-- - DEMAND FOR DISCLOSURE & CORRECTIVE ACTION Given the severity of these violations, both XXXX XXXX, XXXX. and Wells Fargo Bank , N.A . are hereby placed on notice and must respond within 30 days with : 1. All records related to the loan transfer, including custodial records and PSA compliance documentation for both trusts ( XXXX XXXX XXXX Trust XXXX and XXXX  Asset-Backed Securities XXXX XXXX ). \n\n\n2. A sworn declaration from each bank confirming whether they were aware of the double pledging of this loan and what actions were taken to address this issue. \n\n\nXXXX. Confirmation of whether Wells Fargo Bank , N.A . submitted an FHA insurance claim and whether XXXX XXXX, XXXX. reviewed or approved such claims. \n\n\n\nFailure to comply will result in immediate escalation to the SEC, HUD OIG, the FBI Financial Crimes Division, and other federal agencies, as well as the pursuit of civil and criminal legal action under RICO and the False Claims Act.\n\n-- - RESERVATION OF RIGHTS This notice is issued without prejudice and reserves all rights to seek full legal and equitable remedies, including but not limited to : Treble damages under RICO ( 18 U.S.C. 1964 ) Damages for securitization fraud, investor fraud, and fraudulent misrepresentation Civil penalties under the False Claims Act for fraudulent FHA insurance claims -- - CONCLUSION This joint formal notice places XXXX XXXX, XXXX. and Wells Fargo Bank , N.A . on legal notice of their direct involvement in fraudulent securitization practices, RICO violations, and False Claims Act violations. Immediate corrective action and full disclosure are expected. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX CC : Securities and Exchange Commission ( SEC XXXX Enforcement Division U.S. Department of Housing and Urban Development ( HUD OIG ) Federal Bureau of Investigation ( FBI ) Financial Crimes Division Consumer Financial Protection Bureau ( CFPB )","date_sent_to_company":"2025-02-10T14:02:02.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"13760","tags":null,"has_narrative":true,"complaint_id":"12021294","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-02-10T13:45:27.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["Failure to comply will result in immediate escalation to the SEC, HUD OIG, the FBI Financial Crimes Division, and other federal agencies, as <em>well</em> as the pursuit of civil and criminal legal action under <em>RICO</em> and the False Claims Act.\n\n-- - RESERVATION OF RIGHTS This notice is issued without prejudice and reserves all rights to seek full legal and equitable remedies, including but not limited to : Treble damages under <em>RICO</em> ( 18 U.S.C. 1964 ) Damages for securitization <em>fraud</em>, investor <em>fraud</em>, and fraudulent"],"company":["<em>WELLS</em> FARGO & COMPANY"]},"sort":[17.62823,"12021294"]},{"_index":"complaint-public-v1","_id":"12205826","_score":17.063118,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The fact that this account was considered a charge off and this company never sent me a 1099C as well as 42 USC 408 you are never supposed to ask for a social security number on any loan it's fraud and a violation of RICO. My information was exposed in the data breach and you need to remove this from my report. Do not to turn my dispute into a 30 day dispute and under section 605b, this needs to be removed within 4 days","date_sent_to_company":"2025-02-25T22:04:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"142XX","tags":null,"has_narrative":true,"complaint_id":"12205826","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2025-02-25T22:03:48.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["The fact that this account was considered a charge off and this company never sent me a 1099C as <em>well</em> as 42 USC 408 you are never supposed to ask for a social security number on any loan it's <em>fraud</em> and a violation of <em>RICO</em>. My information was exposed in the data breach and you need to remove this from my report. Do not to turn my dispute into a 30 day dispute and under section 605b, this needs to be removed within 4 days"]},"sort":[17.063118,"12205826"]},{"_index":"complaint-public-v1","_id":"12206805","_score":16.991018,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"The fact that this account was considered a charge off and this company never sent me a 1099C as well as 42 USC 408 you are never supposed to ask for a social security number on any loan it's fraud and a violation of RICO. My information was exposed in the data breach and you need to remove this from my report. Do not to turn my dispute into a 30 day dispute and under section 605b, this needs to be removed within 4 days","date_sent_to_company":"2025-02-25T22:04:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"142XX","tags":null,"has_narrative":true,"complaint_id":"12206805","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"KEYCORP","date_received":"2025-02-25T22:03:48.000Z","state":"NY","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["The fact that this account was considered a charge off and this company never sent me a 1099C as <em>well</em> as 42 USC 408 you are never supposed to ask for a social security number on any loan it's <em>fraud</em> and a violation of <em>RICO</em>. My information was exposed in the data breach and you need to remove this from my report. Do not to turn my dispute into a 30 day dispute and under section 605b, this needs to be removed within 4 days"]},"sort":[16.991018,"12206805"]},{"_index":"complaint-public-v1","_id":"4519823","_score":16.8696,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am receiving calls from a XXXX which seems like a legal number regarding that my ATM is no longer functioning and that I need to do something in this regard ( I never finished the call ). Whoever is calling is impersonating ( it is a recording ) an official from Banco Popular de Puerto Rico. I decided to report this since we have been informed that this is a fraud practice using the numbers of the institution. I am communicating this to the institution as well.","date_sent_to_company":"2021-07-06T20:41:20.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"00926","tags":null,"has_narrative":true,"complaint_id":"4519823","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANCO POPULAR DE PUERTO RICO","date_received":"2021-07-06T20:34:09.000Z","state":"PR","company_public_response":null,"sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Whoever is calling is impersonating ( it is a recording ) an official from Banco Popular de Puerto <em>Rico</em>. I decided to report this since we have been informed that this is a <em>fraud</em> practice using the numbers of the institution. I am communicating this to the institution as <em>well</em>."],"company":["BANCO POPULAR DE PUERTO <em>RICO</em>"]},"sort":[16.8696,"4519823"]},{"_index":"complaint-public-v1","_id":"12023315","_score":14.6360855,"_source":{"product":"Mortgage","complaint_what_happened":"JOINT FORMAL NOTICE TO U.S. BANK, N.A. AND XXXX XXXX XXXX, XXXX. REGARDING SECURITIZATION FRAUD, RICO VIOLATIONS, AND FEDERAL LAW VIOLATIONS TO : XXXX XXXX, Chairman and CEO U.S. Bank, N.A. \nXXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX, Chief Financial Officer U.S. Bank, N.A. \nXXXX XXXX XXXX XXXX, MN XXXX REGISTERED AGENT : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX -- - TO : XXXX XXXX XXXX, Chairman and CEO XXXX XXXX XXXX, XXXX. \nXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, Chief Financial Officer XXXX XXXX XXXX, XXXX. \nXXXX XXXX XXXX XXXX XXXX, CA XXXX REGISTERED AGENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX DATE : [ Insert Date ] SUBJECT : FORMAL NOTICE OF SECURITIZATION FRAUD, DOUBLE PLEDGING, TRUSTEE LIABILITY, FALSE CLAIMS ACT VIOLATIONS, AND POTENTIAL RICO CONSPIRACY -- - INTRODUCTION This letter serves as formal notice to U.S. Bank, N.A. ( as XXXX for XXXX XXXX XXXX XXXX  XXXX ) and XXXX XXXX XXXX  XXXX XXXX, regarding their roles in a fraudulent securitization scheme involving the same mortgage loan being unlawfully pledged into multiple mortgage-backed securities ( MBS ) trusts, investor fraud, and federal law violations, including but not limited to the Racketeer Influenced and Corrupt Organizations Act ( RICO ), the Securities Act of 1933, and the False Claims Act. \n\nThe Notarized Affidavit of XXXX XXXX XXXX, XXXX, a licensed private investigator and mortgage fraud expert, confirms that the subject loan was securitized into XXXX XXXX XXXX XXXX  XXXX, which U.S. Bank , N.A. oversees as trustee, while simultaneously being pledged into CWABS Asset-Backed Securities XXXX XXXX, which is overseen by XXXX XXXX XXXX XXXX XXXX as trustee . \n\nThis evidence, supported by sworn testimony, legally admissible exhibits, and verified loan-level data, establishes a pattern of fraudulent activity implicating both XXXX XXXX XXXX  XXXX XXXX. and U.S. Bank, N.A. as co-conspirators in a scheme to deceive investors, government regulators, and courts. \n\n\n-- - EVIDENCE OF FRAUDULENT SECURITIZATION & JOINT LIABILITY OF XXXX XXXX XXXX U.S. BANK 1. Double Pledging of the Same Mortgage Loan The same mortgage loan was unlawfully securitized into two separate mortgage-backed securities ( MBS ) trusts : XXXX XXXX XXXX XXXX XXXX ( U.S. Bank, XXXX XXXX as trustee ) CWABS Asset-Backed Securities XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX as trustee ) A single mortgage debt can not legally be sold into multiple trusts, constituting securities fraud, investor fraud, and fraudulent misrepresentation. \n\n\n\nXXXX. XXXX XXXX XXXX, XXXX. Fraudulently Claimed Ownership ( XXXX XXXX  ) While Acting as Servicer XXXX XXXX XXXX, XXXX. falsely claimed to be the XXXX ( Person Entitled to Enforce the Note ) while simultaneously acknowledging that the loan was securitized into XXXX XXXX XXXX Trust XXXX. \n\nThe Loan Level Data retrieved from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, confirms that the subject loan remains in XXXX XXXX XXXX XXXX  XXXX, directly contradicting XXXX XXXX claims of ownership. \n\nThe original Note and Mortgage do not list XXXX XXXX XXXX XXXX  XXXX as a party, nor is U.S. Bank , N.A. referenced as the trustee holding legal title to the loan. \n\nXXXX XXXX endorsement of the note was incomplete and legally defective, as confirmed in Exhibit A ( Esquivel Affidavit ) and Exhibit B ( Promissory Note ). \n\n\n\n3. False Claims Act Violations Fraudulent FHA Insurance Claims XXXX XXXX XXXX, XXXX. received FHA insurance proceeds on XX/XX/XXXX, despite the loans improper securitization and double pledging. \n\nU.S. Bank, N.A. failed in its fiduciary duty as trustee to prevent fraudulent claims against government-backed insurance programs, thereby enabling XXXX XXXX False Claims Act ( 31 U.S.C. 3729-3733 ) violations.\n\nIf FHA insurance was paid on a loan that was securitized, neither XXXX XXXX nor U.S. Bank should have received payments, constituting a fraudulent government claim. \n\n\n\n4. RICO Conspiracy Between XXXX XXXX XXXX, XXXX. & U.S. Bank, N.A. \n\nA pattern of fraudulent activity, deceptive mortgage assignments, and misrepresented securitization transactions demonstrates a scheme to defraud borrowers, investors, and government agencies. \n\nXXXX XXXX knowingly misrepresented its status as XXXX, U.S. Bank oversaw a trust that never legally acquired the loan, and both banks participated in an orchestrated effort to defraud investors and federal regulators. \n\nThese activities constitute a pattern of racketeering activity ( RICO violations ) under 18 U.S.C. 1961-1968.\n\n-- - DEMAND FOR DISCLOSURE & CORRECTIVE ACTION Given the severity of these violations, both U.S. Bank, N.A. and XXXX XXXX XXXX, XXXX. are hereby placed on notice and must respond within 30 days with : 1. All records related to the loan transfer, including custodial records and PSA compliance documentation for both trusts ( XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX  XXXX XXXX ).\n\n2. A sworn declaration from each bank confirming whether they were aware of the double pledging of this loan and what actions were taken to address this issue. \n\n\nXXXX. Confirmation of whether XXXX XXXX XXXX, XXXX. submitted an FHA insurance claim and whether U.S. Bank, N.A. reviewed or approved such claims. \n\n\n\nFailure to comply will result in immediate escalation to the XXXX, XXXX  XXXX, the FBI Financial Crimes Division, and other federal agencies, as well as the pursuit of civil and criminal legal action under RICO and the False Claims Act.\n\n-- - RESERVATION OF RIGHTS This notice is issued without prejudice and reserves all rights to seek full legal and equitable remedies, including but not limited to : Treble damages under RICO ( 18 U.S.C. 1964 ) Damages for securitization fraud, investor fraud, and fraudulent misrepresentation Civil penalties under the False Claims Act for fraudulent FHA insurance claims -- - CONCLUSION This joint formal notice places U.S. Bank, N.A. and XXXX XXXX XXXX, XXXX. on legal notice of their direct involvement in fraudulent securitization practices, RICO violations, and False Claims Act violations. Immediate corrective action and full disclosure are expected. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ( XXXX ) XXXX CC : Consumer Financial Protection Bureau ( CFPB )","date_sent_to_company":"2025-04-14T23:45:26.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"13760","tags":null,"has_narrative":true,"complaint_id":"12023315","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-02-10T14:03:13.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["Failure to comply will result in immediate escalation to the XXXX, XXXX  XXXX, the FBI Financial Crimes Division, and other federal agencies, as <em>well</em> as the pursuit of civil and criminal legal action under <em>RICO</em> and the False Claims Act.\n\n-- - RESERVATION OF RIGHTS This notice is issued without prejudice and reserves all rights to seek full legal and equitable remedies, including but not limited to : Treble damages under <em>RICO</em> ( 18 U.S.C. 1964 ) Damages for securitization <em>fraud</em>, investor <em>fraud</em>, and"],"company":["<em>WELLS</em> FARGO & COMPANY"]},"sort":[14.6360855,"12023315"]},{"_index":"complaint-public-v1","_id":"8752376","_score":14.562357,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have reached out several times to wells Fargo, XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXXXXXX XXXX XXXX ALSO THE CREDIT REPORTING AGENCY due to the FACTS that 15 USC 1666b there is no such thing as a late payment. 15 USC 1681i I have the right to privacy which was violated because I never gave written consent to post anything to my credit report also 42 USC 408 they are all in violations of Rico which is a crime they can do jail time as well pay a fine. Every single contract was based off of fraud because I was never given full disclosure. I asked for a lawful contact in wet ink signature which no one could provide also we the people are the credit at the moment of signing they give triple the amount of the loan and they fill a 1099 on top of that which would be double dipping. I have reported these companies to the XXXX  and the United States courts of federal Claims due to misconduct everyone have been commiting fraud against we the people and I have several documents to prove it I would appreciate it if they would remove this illegal unlawful accounts off my report immediately.","date_sent_to_company":"2024-04-11T21:34:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"142XX","tags":null,"has_narrative":true,"complaint_id":"8752376","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-04-11T21:20:29.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have reached out several times to <em>wells</em> Fargo, XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXXXXXX XXXX XXXX ALSO THE CREDIT REPORTING AGENCY due to the FACTS that 15 USC 1666b there is no such thing as a late payment. 15 USC 1681i I have the right to privacy which was violated because I never gave written consent to post anything to my credit report also 42 USC 408 they are all in violations of <em>Rico</em> which is a crime they can do jail time as <em>well</em> pay a fine."],"company":["<em>WELLS</em> FARGO & COMPANY"]},"sort":[14.562357,"8752376"]},{"_index":"complaint-public-v1","_id":"11711700","_score":14.459988,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Over the past year I have been trying to get an accurate credit file. I had no response from Equifax other than \" verified '' without any proof, so in XXXX and XX/XX/XXXX I sent multiple Affidavits and Notices by certified mail stating the incorrect addresses, names, and accounts that are reporting in error and are not associated with me. Equifax has ignored all attempts to correct my credit report and are violating 15 UCC 1681, 15 UCC 1681b, 15 UCC 6802, 15 UCC 6805, as well as the 1974 Privacy Act. By continuing to report these accounts that are not mine, incorrect, or sold ( a sold account is now income for the company and can not be reported on a credit report ) - Equifax is guilty of racketeering, mail fraud and violating the RICO Act of 1970.\n\nUCC 1-308 Without Recourse","date_sent_to_company":"2025-01-24T01:56:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92630","tags":null,"has_narrative":true,"complaint_id":"11711700","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-24T01:50:39.000Z","state":"CA","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Equifax has ignored all attempts to correct my credit report and are violating 15 UCC 1681, 15 UCC 1681b, 15 UCC 6802, 15 UCC 6805, as <em>well</em> as the 1974 Privacy Act. By continuing to report these accounts that are not mine, incorrect, or sold ( a sold account is now income for the company and can not be reported on a credit report ) - Equifax is guilty of racketeering, mail <em>fraud</em> and violating the <em>RICO</em> Act of 1970.\n\nUCC 1-308 Without Recourse"]},"sort":[14.459988,"11711700"]},{"_index":"complaint-public-v1","_id":"11711662","_score":14.459988,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Over the past year I have been trying to get an accurate credit file. I had no response from Experian other than \" verified '' without any proof, so in XXXX and XX/XX/XXXX I sent multiple Affidavits and Notices by certified mail stating the incorrect addresses, names, and accounts that are reporting in error and are not associated with me. Experian has ignored all attempts to correct my credit report and are violating 15 UCC 1681, 15 UCC 1681b, 15 UCC 6802, 15 UCC 6805, as well as the 1974 Privacy Act. By continuing to report these accounts that are not mine, incorrect, or sold ( a sold account is now income for the company and can not be reported on a credit report ) - Experian is guilty of racketeering, mail fraud and violating the RICO Act of 1970.\n\nUCC 1-308 Without Recourse","date_sent_to_company":"2025-01-24T01:49:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92630","tags":null,"has_narrative":true,"complaint_id":"11711662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-24T01:23:24.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Experian has ignored all attempts to correct my credit report and are violating 15 UCC 1681, 15 UCC 1681b, 15 UCC 6802, 15 UCC 6805, as <em>well</em> as the 1974 Privacy Act. By continuing to report these accounts that are not mine, incorrect, or sold ( a sold account is now income for the company and can not be reported on a credit report ) - Experian is guilty of racketeering, mail <em>fraud</em> and violating the <em>RICO</em> Act of 1970.\n\nUCC 1-308 Without Recourse"]},"sort":[14.459988,"11711662"]},{"_index":"complaint-public-v1","_id":"11711052","_score":14.399967,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Over the past year I have been trying to get an accurate credit file. I had no response from XXXX other than \" verified '' without any proof, so in XXXX and XX/XX/XXXX I sent multiple Affidavits and Notices by certified mail stating the incorrect addresses, names, and accounts that are reporting in error and are not associated with me. XXXX has ignored all attempts to correct my credit report and are violating 15 UCC 1681, 15 UCC 1681b, 15 UCC 6802, 15 UCC 6805, as well as the 1974 Privacy Act. By continuing to report these accounts that are not mine, incorrect, or sold ( a sold account is now income for the company and can not be reported on a credit report ) - XXXX is guilty of racketeering, mail fraud and violating the RICO Act of 1970.\n\nUCC 1-308 Without Recourse","date_sent_to_company":"2025-01-24T01:49:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92630","tags":null,"has_narrative":true,"complaint_id":"11711052","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-01-24T01:49:20.000Z","state":"CA","company_public_response":null,"sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["XXXX has ignored all attempts to correct my credit report and are violating 15 UCC 1681, 15 UCC 1681b, 15 UCC 6802, 15 UCC 6805, as <em>well</em> as the 1974 Privacy Act. By continuing to report these accounts that are not mine, incorrect, or sold ( a sold account is now income for the company and can not be reported on a credit report ) - XXXX is guilty of racketeering, mail <em>fraud</em> and violating the <em>RICO</em> Act of 1970.\n\nUCC 1-308 Without Recourse"]},"sort":[14.399967,"11711052"]},{"_index":"complaint-public-v1","_id":"10982846","_score":13.957668,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This CEPB comolaint ha been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the fraudulent, inaccurate, and false information. XXXX accounts nave meuited in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer rico credit report maintained by you wnich shows the atorementioned traudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as eported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the result of identity theft and fraud.","date_sent_to_company":"2024-11-30T16:34:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"46224","tags":null,"has_narrative":true,"complaint_id":"10982846","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-30T16:34:09.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I've attached a list of the hard inquiries in question as <em>well</em> as a copy of the consumer <em>rico</em> credit report maintained by you wnich shows the atorementioned traudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as eported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me."]},"sort":[13.957668,"10982846"]},{"_index":"complaint-public-v1","_id":"10979842","_score":13.957668,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This CEPB comolaint ha been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the fraudulent, inaccurate, and false information. XXXX accounts nave meuited in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer rico credit report maintained by you wnich shows the atorementioned traudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as eported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the result of identity theft and fraud.","date_sent_to_company":"2024-11-30T16:34:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"46224","tags":null,"has_narrative":true,"complaint_id":"10979842","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-30T16:25:42.000Z","state":"IN","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I've attached a list of the hard inquiries in question as <em>well</em> as a copy of the consumer <em>rico</em> credit report maintained by you wnich shows the atorementioned traudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as eported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me."]},"sort":[13.957668,"10979842"]},{"_index":"complaint-public-v1","_id":"10980788","_score":13.95603,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This CEPB comolaint ha been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the fraudulent, inaccurate, and false information. XXXX accounts nave meuited in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer rico credit report maintained by you wnich shows the atorementioned traudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as eported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the result of identity theft and fraud.","date_sent_to_company":"2024-11-30T16:34:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"46224","tags":null,"has_narrative":true,"complaint_id":"10980788","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-30T16:34:09.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I've attached a list of the hard inquiries in question as <em>well</em> as a copy of the consumer <em>rico</em> credit report maintained by you wnich shows the atorementioned traudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as eported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me."]},"sort":[13.95603,"10980788"]},{"_index":"complaint-public-v1","_id":"6572158","_score":13.854948,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THIS COMPLAINT IS AGAINST XXXX CREDIT BUREAU. XXXX TOTALLY DELETED THE PREVIOUS ADDRESS OF XXXX XXXX XXXX XXXX, XXXX GA XXXX FROM OUR CREDIT BUREAU UNDER PREVIOUS ADDRESS. \n\nWELL, WE KNOW WHY BECAUSE THE HOME WAS PREVIOUSLY PURCHASED BY XXXX XXXX XXXX PRIOR TO US EVEN TOURING THE HOME. BASICALLY, A GREAT MAJORITY OF THE HOMES ON XXXX XXXX XXXX HAS MORTGAGE FRAUD ISSUES AND THE OWNERS ARE BEING PAID TO PARTICIPATE IN THE PROCESS. IF NOT THE HISTORY OF THE HOME HAS BEEN MODIFIED! \n\nXXXX IS WORKING WITH ALL OF THE INDIVIDUALS WITHIN THE RICO XXXX XXXX XXXX XXXX XXXX XXXX GA TO COVER UP THE FRAND AND ID THEFT AND FRAUD. AS A MATTER OF FACT THE ATTACHED INFORMATION SHOES THIS XXXX BEING THE INDIVIDUAL FORECLOSED ON NOT US. WE NEVER RECEIVED A LOAND FOR A MORTGAGE WE WERE PAYING HIS XXXX XXXX XXXX XXXX MORTGAGE IF THAT'S HIS NAME. \n\nXXXX NEEDS TO CORRECT THE HISTORY OF ADDRESSES, THEY WANTED PROOF SO THEY ARE GETTING THAT AND MORE. THEY NEED TO PULLED XXXX XXXX XXXX AND IDENTIFY AND QUESTION HOW THIS PERSON IS STEALING HOMES FROM PEOPLE, THE ANSWER IS THE XXXX, ATTORNEYS AND OTHERS USE HIM AS A CATALYST IN ORDER FOR THEM TO BECOME WEALTHIER, HE GETS A PORTION OF THE FRAUD LOANS HE TAKES OUT IN OTHER INDIVIDUALS NAMES AND SPLIT THE REST WITH THE ENTERPRISE. \n\nXXXX BETTER CORRECT OUR ADDRESS HISTORY. THEY ARE SO RUDE AND IS ALSO FULLY RESPONSIBLE FOR INDIVIDUALS LOOSING THEIR HOUSES, OH YEA THEY WILL BE CHARGED AND WELL AND INDICTED, TRUST AND BELIEVE ALSO, THERE WILL BE ANOTHER COMPLAINT. XXXX HAS ALLOWED COMPANIES TO PULL MY CREDIT REPORT CAUSING NUMEROUS INQUIRIES ON TO MY REPORT!","date_sent_to_company":"2023-02-15T01:44:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30045","tags":null,"has_narrative":true,"complaint_id":"6572158","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-02-15T01:44:11.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["<em>WELL</em>, WE KNOW WHY BECAUSE THE HOME WAS PREVIOUSLY PURCHASED BY XXXX XXXX XXXX PRIOR TO US EVEN TOURING THE HOME. BASICALLY, A GREAT MAJORITY OF THE HOMES ON XXXX XXXX XXXX HAS MORTGAGE <em>FRAUD</em> ISSUES AND THE OWNERS ARE BEING PAID TO PARTICIPATE IN THE PROCESS. IF NOT THE HISTORY OF THE HOME HAS BEEN MODIFIED! \n\nXXXX IS WORKING WITH ALL OF THE INDIVIDUALS WITHIN THE <em>RICO</em> XXXX XXXX XXXX XXXX XXXX XXXX GA TO COVER UP THE FRAND AND ID THEFT AND <em>FRAUD</em>."]},"sort":[13.854948,"6572158"]},{"_index":"complaint-public-v1","_id":"6572157","_score":13.792707,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THIS COMPLAINT IS AGAINST EXPERIAN CREDIT BUREAU. EXPERIAN TOTALLY DELETED THE PREVIOUS ADDRESS OF XXXX XXXX XXXX XXXX, XXXX GA XXXX FROM OUR CREDIT BUREAU UNDER PREVIOUS ADDRESS. \n\nWELL, WE KNOW WHY BECAUSE THE HOME WAS PREVIOUSLY PURCHASED BY XXXX XXXX XXXX PRIOR TO US EVEN TOURING THE HOME. BASICALLY, A GREAT MAJORITY OF THE HOMES ON XXXX XXXX XXXX HAS MORTGAGE FRAUD ISSUES AND THE OWNERS ARE BEING PAID TO PARTICIPATE IN THE PROCESS. IF NOT THE HISTORY OF THE HOME HAS BEEN MODIFIED! \n\nEXPERIAN IS WORKING WITH ALL OF THE INDIVIDUALS WITHIN THE RICO XXXX XXXX XXXX XXXX XXXX XXXX GA TO COVER UP THE FRAND AND ID THEFT AND FRAUD. AS A MATTER OF FACT THE ATTACHED INFORMATION SHOES THIS STRAWBUYER BEING THE INDIVIDUAL FORECLOSED ON NOT US. WE NEVER RECEIVED A LOAND FOR A MORTGAGE WE WERE PAYING HIS XXXX XXXX XXXX XXXX MORTGAGE IF THAT'S HIS NAME. \n\nEXPERIAN NEEDS TO CORRECT THE HISTORY OF ADDRESSES, THEY WANTED PROOF SO THEY ARE GETTING THAT AND MORE. THEY NEED TO PULLED XXXX XXXX XXXX AND IDENTIFY AND QUESTION HOW THIS PERSON IS STEALING HOMES FROM PEOPLE, THE ANSWER IS THE XXXX, ATTORNEYS AND OTHERS USE HIM AS A CATALYST IN ORDER FOR THEM TO BECOME WEALTHIER, HE GETS A PORTION OF THE FRAUD LOANS HE TAKES OUT IN OTHER INDIVIDUALS NAMES AND SPLIT THE REST WITH THE ENTERPRISE. \n\nEXPERIAN BETTER CORRECT OUR ADDRESS HISTORY. THEY ARE SO RUDE AND IS ALSO FULLY RESPONSIBLE FOR INDIVIDUALS LOOSING THEIR HOUSES, OH YEA THEY WILL BE CHARGED AND WELL AND INDICTED, TRUST AND BELIEVE ALSO, THERE WILL BE ANOTHER COMPLAINT. EXPERIAN HAS ALLOWED COMPANIES TO PULL MY CREDIT REPORT CAUSING NUMEROUS INQUIRIES ON TO MY REPORT!","date_sent_to_company":"2023-02-15T01:44:17.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30045","tags":null,"has_narrative":true,"complaint_id":"6572157","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-02-15T01:44:11.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["<em>WELL</em>, WE KNOW WHY BECAUSE THE HOME WAS PREVIOUSLY PURCHASED BY XXXX XXXX XXXX PRIOR TO US EVEN TOURING THE HOME. BASICALLY, A GREAT MAJORITY OF THE HOMES ON XXXX XXXX XXXX HAS MORTGAGE <em>FRAUD</em> ISSUES AND THE OWNERS ARE BEING PAID TO PARTICIPATE IN THE PROCESS. IF NOT THE HISTORY OF THE HOME HAS BEEN MODIFIED! \n\nEXPERIAN IS WORKING WITH ALL OF THE INDIVIDUALS WITHIN THE <em>RICO</em> XXXX XXXX XXXX XXXX XXXX XXXX GA TO COVER UP THE FRAND AND ID THEFT AND <em>FRAUD</em>."]},"sort":[13.792707,"6572157"]},{"_index":"complaint-public-v1","_id":"3596063","_score":13.707275,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In XX/XX/2017 I was approved by my college officials to travel to Puerto Rico to help the people during Hurricane Maria restoring power and water while continuing education. I traveled to the XXXX XXXX to assist the people as well there. However my bag was stolen from my rental car that contain my identification and other pertenant information. I made a police report about the incident while out of the country to possibly retrieve my missing belongings and never did. I became a victim of credit card fraud and identify theft reporting to all three credit bureaus to possibly help fix the problem. As of today nothing has been done that has a direct negative effect on my personal and business credit. Experian sent my complaint and information back return to sender address unknown. It has become impossible to reach Experian to help fix this issue as well as receiving there credit boost for paid utilities. I did send all information to XXXX  with a official police report and yet to receive information considering a investigation., It has been two years struggling to bring a resolution to this credit issue. Now with the COVID -19 destroying the economy it has become extremely important to fix my credit to empower others","date_sent_to_company":"2020-04-07T16:35:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"945XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3596063","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-04-07T14:11:52.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["In XX/XX/2017 I was approved by my college officials to travel to Puerto <em>Rico</em> to help the people during Hurricane Maria restoring power and water while continuing education. I traveled to the XXXX XXXX to assist the people as <em>well</em> there. However my bag was stolen from my rental car that contain my identification and other pertenant information. I made a police report about the incident while out of the country to possibly retrieve my missing belongings and never did."]},"sort":[13.707275,"3596063"]},{"_index":"complaint-public-v1","_id":"8343449","_score":13.707118,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. \n\n\nI told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX  XXXX Account name ' WELLS FARGO However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. \n\n15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also 42 USC 408 Asking for any Social security number on any loan is fraud and a violation of RICO 15 USC 1666b there is no such thing as late payments and I personally can name several others as well like we are the credit and the debt. I would honestly respect if you all respect the law...","date_sent_to_company":"2024-02-14T22:05:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"142XX","tags":null,"has_narrative":true,"complaint_id":"8343449","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-02-14T21:54:06.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Also 42 USC 408 Asking for any Social security number on any loan is <em>fraud</em> and a violation of <em>RICO</em> 15 USC 1666b there is no such thing as late payments and I personally can name several others as <em>well</em> like we are the credit and the debt. I would honestly respect if you all respect the law..."],"company":["<em>WELLS</em> FARGO & COMPANY"]},"sort":[13.707118,"8343449"]},{"_index":"complaint-public-v1","_id":"8752265","_score":13.688841,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have reached out several times to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX XXXXXXXX ALSO THE CREDIT REPORTING AGENCY due to the FACTS that 15 USC 1666b there is no such thing as a late payment. 15 USC 1681i I have the right to privacy which was violated because I never gave written consent to post anything to my credit report also 42 USC 408 they are all in violations of Rico which is a crime they can do jail time as well pay a fine. Every single contract was based off of fraud because I was never given full disclosure. I asked for a lawful contact in wet ink signature which no one could provide also we the people are the credit at the moment of signing they give triple the amount of the loan and they fill a 1099 on top of that which would be double dipping. I have reported these companies to the XXXX  and the United States courts of federal Claims due to misconduct everyone have been commiting fraud against we the people and I have several documents to prove it I would appreciate it if they would remove this illegal unlawful accounts off my report immediately.","date_sent_to_company":"2024-04-11T21:34:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"142XX","tags":null,"has_narrative":true,"complaint_id":"8752265","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-11T21:34:40.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have reached out several times to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX XXXXXXXX ALSO THE CREDIT REPORTING AGENCY due to the FACTS that 15 USC 1666b there is no such thing as a late payment. 15 USC 1681i I have the right to privacy which was violated because I never gave written consent to post anything to my credit report also 42 USC 408 they are all in violations of <em>Rico</em> which is a crime they can do jail time as <em>well</em> pay a fine."]},"sort":[13.688841,"8752265"]},{"_index":"complaint-public-v1","_id":"8752261","_score":13.676778,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have reached out several times to XXXX XXXX, XXXX XXXX XXXX, Key Bank, and XXXX  XXXXXXXX XXXX XXXX ALSO THE CREDIT REPORTING AGENCY due to the FACTS that 15 USC 1666b there is no such thing as a late payment. 15 USC 1681i I have the right to privacy which was violated because I never gave written consent to post anything to my credit report also 42 USC 408 they are all in violations of Rico which is a crime they can do jail time as well pay a fine. Every single contract was based off of fraud because I was never given full disclosure. I asked for a lawful contact in wet ink signature which no one could provide also we the people are the credit at the moment of signing they give triple the amount of the loan and they fill a 1099 on top of that which would be double dipping. I have reported these companies to the XXXX  and the United States courts of federal Claims due to misconduct everyone have been commiting fraud against we the people and I have several documents to prove it I would appreciate it if they would remove this illegal unlawful accounts off my report immediately.","date_sent_to_company":"2024-04-11T21:34:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"142XX","tags":null,"has_narrative":true,"complaint_id":"8752261","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"KEYCORP","date_received":"2024-04-11T21:34:40.000Z","state":"NY","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have reached out several times to XXXX XXXX, XXXX XXXX XXXX, Key Bank, and XXXX  XXXXXXXX XXXX XXXX ALSO THE CREDIT REPORTING AGENCY due to the FACTS that 15 USC 1666b there is no such thing as a late payment. 15 USC 1681i I have the right to privacy which was violated because I never gave written consent to post anything to my credit report also 42 USC 408 they are all in violations of <em>Rico</em> which is a crime they can do jail time as <em>well</em> pay a fine."]},"sort":[13.676778,"8752261"]},{"_index":"complaint-public-v1","_id":"3575368","_score":13.443579,"_source":{"product":"Debt collection","complaint_what_happened":"The party has not validated nor verified as they state which is legally required by the FCRA as well as TILA and over due according to the rules and regulations of the FCRA .I continue to have to file complaints due to the the corporations inability to legally comply and will continue to do so until I am provided fully compliant responses as stated and cited within their control and or possession.A mere statement that they say they have complied is not a compliance.This corporation even stated my date of birth incorrectly.This corporation has a long history of manipulation and exploitation with other consumers. I know of nothing that supports this corporations allegations that I owe them anything.This is not my account and they know this and is why theyve not been able to provide any sort of compliant verification validation as is required and has been demanded of them by way of certified letters and calls thereafter only to not comply and harass via telephone.This corporation needs to be held accountable for their actions and investigated for their continuing fraud.They have also failed to provide anything that has my signature or contract because it does not exist. They have also failed to provide anything that has been submitted under penalty of perjury under oath.Ergo I contend and will continue on contending I know of nothing that supports their allegations based on what has and had not been provided.This corporation is guilty of negligence and maliciously willfully and purposely attempting fraud and RICO conspiracy for an unverified invalidated account.","date_sent_to_company":"2020-03-21T21:28:00.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"293XX","tags":null,"has_narrative":true,"complaint_id":"3575368","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Sequoia Financial Services","date_received":"2020-03-21T21:23:34.000Z","state":"SC","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["They have also failed to provide anything that has been submitted under penalty of perjury under oath.Ergo I contend and will continue on contending I know of nothing that supports their allegations based on what has and had not been provided.This corporation is guilty of negligence and maliciously willfully and purposely attempting <em>fraud</em> and <em>RICO</em> conspiracy for an unverified invalidated account."]},"sort":[13.443579,"3575368"]},{"_index":"complaint-public-v1","_id":"4496022","_score":13.405335,"_source":{"product":"Debt collection","complaint_what_happened":"{$70000.00} is on my credit report from the Adjustment Company in XXXX, WI. I paid some smaller healthcare bills to them before and believe they were also fraudulent. The current issue is for {$70000.00} from XXXX last XXXX. The actual bill is {$2600.00} after insurance. It should be noted some nefarious old acquaintances said they worked for this company back 2003, and would use it against me also. I believe all should be indicted under RICO. Furthermore this amount be corrected to the after insurance amount of {$2600.00}. Also, after first complaining I was then sent a barrage of other fraudulent harassing bills as well. I would like to report this as Fraud, Grand Larceny, and Identity Theft. I owe about $ XXXX in legitimate debts I will verify with an attorney and workout a payment plan once I return to work, hopefully very soon. \n\nRegards, XXXX XXXX XXXX XXXX mobile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WI XXXX XXXX XXXX","date_sent_to_company":"2021-06-27T05:15:16.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"531XX","tags":null,"has_narrative":true,"complaint_id":"4496022","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Oliver Adjustment Company of Kenosha & Racine, Inc","date_received":"2021-06-27T00:36:45.000Z","state":"WI","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I believe all should be indicted under <em>RICO</em>. Furthermore this amount be corrected to the after insurance amount of {$2600.00}. Also, after first complaining I was then sent a barrage of other fraudulent harassing bills as <em>well</em>. I would like to report this as <em>Fraud</em>, Grand Larceny, and Identity Theft. I owe about $ XXXX in legitimate debts I will verify with an attorney and workout a payment plan once I return to work, hopefully very soon."]},"sort":[13.405335,"4496022"]},{"_index":"complaint-public-v1","_id":"2686798","_score":13.325663,"_source":{"product":"Debt collection","complaint_what_happened":"SPS is trying to steal through fraud deception of money I do n't owe them, and can not prove they lent me money, and statue of limitations to collect after bankruptcy XXXX, illegally along with two trustees acting in RICO with armed forces  police, sherrif, military mercenary or otherwise it a threat Commercially illegal instruments, that they have no rightful claim on or they would have done so. \nSps needs to prove who the Attorney is and XXXX XXXX, and XXXX XXXX XXXX and XXXX XXXX XXXX that did not even loan money but used my credit to go to the Fed window and use funds and lend back out with Usury 9.99 % interest to 14 %. XXXX XXXX XXXX has not been in business since XX/XX/XXXX and I have no contract then with two signatures one with them and me on any paperwork nor their parent company XXXX XXXX. You all have arrest warrants issued and a defaulted bill. Principle to agent, agent to principle. Show your face who you are and XXXX XXXX and others such as XXXX XXXX has a defaulted bill in force. Commercial Lien will be coming out for your Fraud. \nsomeone has forged my good name to the 1-4 rider documents and is a crime per California code 115 a. and no trespass as well. You are now Liable once again. You better have a chain of title if anyone steps foot on my land and you cant foreclose since my property has more than one address and service only one as well. hint you charters are being reviewed now. XXXX XXXX XXXX XXXX","date_sent_to_company":"2017-09-27T18:37:03.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"92530","tags":null,"has_narrative":true,"complaint_id":"2686798","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2017-09-27T18:01:27.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["Commercial Lien will be coming out for your <em>Fraud</em>. \nsomeone has forged my good name to the 1-4 rider documents and is a crime per California code 115 a. and no trespass as <em>well</em>. You are now Liable once again. You better have a chain of title if anyone steps foot on my land and you cant foreclose since my property has more than one address and service only one as <em>well</em>. hint you charters are being reviewed now. XXXX XXXX XXXX XXXX"]},"sort":[13.325663,"2686798"]},{"_index":"complaint-public-v1","_id":"8098548","_score":13.109219,"_source":{"product":"Debt collection","complaint_what_happened":"RECEIPT OF SAID NOTICE CONSTITUTES ACCEPTANCE OF ALL TERMS STATED HEREIN. \n\nI am disputing the validity of this alleged debt. I have not now nor have I ever been in contract with Scott & Associates. Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are attempting to collect on an account under the guise of it belonging to me as a \" collection account ''. As a consumer, I have not now or ever extended my credit to Scott & Associates ; they have not now or ever loaned me money. I received a written communication from them dated XX/XX/ showing the aforementioned as reporting this information with a \" balance '' of : {$900.00}. I am demanding Scott & Associates to provide an original contract with my signature, offer and acceptance. Copies will not suffice. I would also like to see the assignment of debt. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. Provide me with a copy of your permit from the Commissioner of Insurance for the state of Pennsylvania as a valid, registered entity commissioned to do business within the state. Attempting to collect on alleged debt without any of this is deemed as a Class 1 felony ; please provide evidence of bond. As this collection attempt also constitutes extortion and material representation. I am also demanding Scott & Associates to provide me with a detailed accounting of how my personal information was obtained lawfully, including any and all required disclosures under law. This company is also in violation of 15 USC 1692e by making false and misleading representations. I also demand Scott & Associates to cease and desist from any and all collection attempts as well as attempting to furnish anything to any of the credit reporting agencies on my behalf. Any future attempts will be deemed as a direct Civil RICO violation. Any continuance or disregard to this notice will be deemed as direct violation of federal laws including RICO, violation of the Fair Debt Collection Practices Act, the Truth in Lending Act and The Equal Credit Opportunity Act, as I am a Federally protected consumer and will also file suit for defamation of character and fraud. I will also not hesitate to file a complaint with the Pennsylvania Commissioner of Insurance as well as the PA Attorney General. \n\nRECEIPT OF SAID NOTICE CONSTITUTES ACCEPTANCE OF ALL TERMS STATED HEREIN. \n\nAttorney in FACT for XXXX XXXX","date_sent_to_company":"2024-01-03T20:22:56.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"19122","tags":null,"has_narrative":true,"complaint_id":"8098548","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Law Office of Michael J. Scott, PC","date_received":"2024-01-03T19:48:28.000Z","state":"PA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Any continuance or disregard to this notice will be deemed as direct violation of federal laws including <em>RICO</em>, violation of the Fair Debt Collection Practices Act, the Truth in Lending Act and The Equal Credit Opportunity Act, as I am a Federally protected consumer and will also file suit for defamation of character and <em>fraud</em>. I will also not hesitate to file a complaint with the Pennsylvania Commissioner of Insurance as <em>well</em> as the PA Attorney General."]},"sort":[13.109219,"8098548"]},{"_index":"complaint-public-v1","_id":"5641390","_score":12.968331,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THIS IS A NEW COMPLAINT NOT A DUPLICATE. \n\n\n\nI received this email regarding the closing of the listed complaint number. \nXXXX I previously sent communication regarding the complaint number below which was also close. \n\nI spoke with the representative approximately 1 to2 weeks ago regarding this complaint. One of the CBR 's contacted us regarding the issues. It appears the confusion was both my CBR ; s and spouse 's were uploaded together, We also told the representative we will would upload\n\nthe 1098 's to prove the fraud. So, now we see the pattern\nof someone wanting our complaints closed. All CBR 's and 1098 's for myself and my spouse will be upload separately to prove there was and still is fraud! \n\n\nXXXX was the previous complaint which was sent by the XXXX XXXX  XXXX XXXX, We received 2 from the CFPB stating they did not know why the complaint was sent to the CFPB. Given the contact. We provided a detailed overview of why we thought it was sent to the the numerous fraud reports involving multi [ le groups of individuals such as attorneys and judges who were engaged in illegal activities which fall under the RICO statue. In addition, to my wife 's previous bankruptcy which, striped us of everything we though we own, We never received loans for out real property and my wife 's commercial property which the sba funded for bother her ex business partner who appeared to have stolen the money and placed the money into hidden accounts unknownst to my wife It was very obvious the second caller from the CFPB was calling us is order to state we withdrew the complaint but, WE DID NOT! We are being slandered and accused of being un truthful regarding all of the reports we file to the federal authorities, How can you lie about reported illegal activity when you are hold the ORIGINAL EVIDENCE! WE NEED LEGAL ASSISTANCE and NO ATTORNEY IN GA will take our case because they are corrupt, the last retained attorney stole 10k from us and did nothing. It appears someone within this loop wanted this complaint shut down, The brc XXXX within the US BRC OF NORTHERN GA AS WELL, THIS COMPLAINT WAS PLACED BY SOMEONE UNDER A PAYDAY LOAN ISSUE WHEN IN FACT IT'S NOT. THIS IS A RICO CASE INVOLVING HUNDREDS IN INDIVIDUALS WHICH NEED TO BE INVESTIGATED ASAP BY THE US ATTORNEY GENERAL 'S OFFICE, IF WE NEED TO FLY TO DC TO MEET WITH PARTICULAR FEDERAL AUTHORITIES WE WILL. WE ARE VERY KNOWLEDGEABLE OF EACH DIVISION AND KNOW WHO THE KEY CONTACTS ARE. PERSONALS PERTAINING TO BE FEDERAL AGENTS HAVE ACTUALLY CONTACTED US JUST TO OBTAIN INFORMATION, WE WERE VERY AWARE THEY WERE IMPERSONATORS,","date_sent_to_company":"2022-06-07T17:39:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30045","tags":null,"has_narrative":true,"complaint_id":"5641390","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-06-07T16:35:25.000Z","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":["We provided a detailed overview of why we thought it was sent to the the numerous <em>fraud</em> reports involving multi [ le groups of individuals such as attorneys and judges who were engaged in illegal activities which fall under the <em>RICO</em> statue."]},"sort":[12.968331,"5641390"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":235,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":235}]}},"product":{"doc_count":235,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":84,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":83},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Debt collection","doc_count":56,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":26},{"key":"Mortgage debt","doc_count":11},{"key":"Credit card debt","doc_count":8},{"key":"Other debt","doc_count":6},{"key":"Auto debt","doc_count":3},{"key":"Medical 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