{"took":248,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":32,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4594239","_score":20.06474,"_source":{"product":"Debt collection","complaint_what_happened":"I received a text from Cornerstone Legal and I suspected fraud so I started looking reviews and I'm not the only person that this has happened to. Here 's a copy of the text sent to me ( XXXX XXXX XXXX ) For XXXX XXXX : Please reply STOP if you are not XXXX XXXX. Cornerstone Legal Group recently notified you by U.S. mail that there was legal action ( lawsuit ) pending against you due to your severely delinquent account originating with CHECK N GO. Please be advised that a lawsuit would result in a civil court judgment, subsequently resulting in a wage garnishment or property lien. A civil judgment would also be reported to the credit bureaus. After a recent case management review and due to the XXXX Pandemic, we are extending you an offer to settle your case out-of-court for a onetime payment of {$590.00}. This means that if you pay this onetime settlement payment, you will be released from any further obligation to this matter and you will have a XXXX  balance on your account. In addition, any credit bureaus that this account has been reported to will be deleted upon receipt of your settlement payment. The deadline for this settlement to be paid is no later than on or before this Friday, XX/XX/XXXX, or this settlement offer will be revoked. You can make this settlement payment online at XXXX, or you can pay over the phone by calling XXXX.","date_sent_to_company":"2021-08-02T14:27:51.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"245XX","tags":null,"has_narrative":true,"complaint_id":"4594239","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CNG FINANCIAL CORPORATION","date_received":"2021-08-02T14:27:47.000Z","state":"VA","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["You can <em>make</em> this <em>settlement</em> payment online at XXXX, or you can pay over the phone by calling XXXX."]},"sort":[20.06474,"4594239"]},{"_index":"complaint-public-v1","_id":"3900381","_score":16.798328,"_source":{"product":"Checking or savings account","complaint_what_happened":"I requested a reasonable settlement offer from Wells Fargo for accounts opened in my name which I did not need or want, did not request. To date, Wells Fargo has made remedy offers which do not cover damages caused by said accounts. The remedy offers, which payment was not received, include amounts of {$3700.00} and subsequently, {$500.00}. Both amounts do not cover damages sustained to credit, ability to open accounts with other institutions. I've filled out several meditation request forms, sent in, no reasonable offer made to me. Failing to make reasonable offer and honor their prior remedy offers, I request Wells Fargo stop sending mediation request forms and provide an address to mail notice of lawsuit to. Most recently, I refused a XXXX package from Wells Fargo Mediation, tracking ID is XXXX. Package was sent to old address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX I suspect reason for non-receipt of payments prior is due to address change, payments may have gone to old address which I no longer live at. Further, I suspect Wells Fargo sent yet another mediation request form, in which case if filled out, will be denied as with prior ones. I have refused XXXX package as again, it appears to be yet another mediation request form.","date_sent_to_company":"2020-10-15T13:50:16.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"06320","tags":null,"has_narrative":true,"complaint_id":"3900381","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2020-10-15T13:33:49.000Z","state":"CT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened as a result of fraud"},"highlight":{"complaint_what_happened":["Failing to <em>make</em> reasonable offer and honor their prior remedy offers, I request Wells Fargo stop sending mediation request forms and provide an address to mail notice of <em>lawsuit</em> to. Most recently, I refused a XXXX package from Wells Fargo Mediation, tracking ID is XXXX. Package was sent to old address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX I <em>suspect</em> reason for non-receipt of payments prior is due to address change, payments may have gone to old address which I no longer live at."]},"sort":[16.798328,"3900381"]},{"_index":"complaint-public-v1","_id":"7175953","_score":15.378104,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I received an American Express Prepaid Card but when I try to use it it is consistently declined. I have tried around 10 times to make purchases at XXXX and XXXX and received error messages, or notices that the payment method needs to be revised. I checked the balance several times on the Amex website and it shows the card as still having the original {$100.00} balance that was added to it. When I searched the internet about this problem to try to identify a solution, I instead found online forums where other people had experienced the same issue, with no resolution. The only tips I found from the company for resolving the issue were things like make sure the card isn't expired, make sure it still has a balance, and make sure the vendor requires the card number, expiration date and security code. I have done all of that ( the expiration date is XX/XX/29 ) and the vendors I was trying to use the card with both require the card number, expiration date and security code. When I called the Customer Service line I was transferred to another number, and then put on hold for 20 minutes. When I finally spoke to someone they told me that many online merchants do not accept their card, and they suggested that I use it at a physical store, and to call the merchant first to confirm that they will accept the card. I asked if they had a list of merchants that accept the card, and they said no. I told her that nobody wants to give someone a gift card that they have to spend hours trying to figure out how to use, and have to call around to merchants to find one that will accept it. And that if the card is only accepted at selected, physical merchants, they should make that clear, and list the merchants.I told the rep that I don't want to call around to stores, obviously, and that I want to use it to buy the things I want to buy, not to walk around trying to find stores that take it. Finally I asked if there is way to transfer the balance to me, to deposit it in my checking account or something. The rep then said she was going to put me on hold to check some information in my account, and then hung up on me. It is very clear to me that Amex is not eager to help people spend the money on their gift cards. Why would they be? \n\nI see that Amex was actually involved in at least one class action lawsuit in which they were accused of issuing gift cards that they say can be used \" almost anywhere '' that many vendors do not accept. It is my belief, and the belief of others on the forums I visited, that Amex is intentionally selling gift cards that are difficult for users to spend the balance on, so that they are able to keep the funds. Even with a class action lawsuit settlement, I suspect they make more money issuing fraudulent gift cards than they pay out in a settlement. My boss gave me this gift card for my hard work at my job. He wanted to reward me, not give money to Amex, and not inconvenience me and give me a worthless gift card.","date_sent_to_company":"2023-06-27T21:50:04.000Z","issue":"Trouble using the card","sub_product":"General-purpose prepaid card","zip_code":"11238","tags":null,"has_narrative":true,"complaint_id":"7175953","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-06-27T21:22:08.000Z","state":"NY","company_public_response":null,"sub_issue":"Trouble using the card to spend money in a store or online"},"highlight":{"complaint_what_happened":["Even with a class action <em>lawsuit</em> <em>settlement</em>, I <em>suspect</em> they <em>make</em> more money issuing fraudulent gift cards than they pay out in a <em>settlement</em>. My boss gave me this gift card for my hard work at my job. He wanted to reward me, not give money to Amex, and not inconvenience me and give me a worthless gift card."]},"sort":[15.378104,"7175953"]},{"_index":"complaint-public-v1","_id":"2570873","_score":14.481087,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"On XX/XX/XXXX I borrowed {$800.00}. To date, through XX/XX/XXXX, I have paid {$1600.00} for this loan, over twice the principal. It is becoming a real hardship for me to have {$130.00} taken out every pay. Since I 've already paid back almost twice the principal, I asked for settlement onXX/XX/XXXX. They refused a settlement telling me I did n't qualify for a settlement, but could n't tell me why I did n't qualify for a settlement. They only offered to let me pay {$690.00} more by XX/XX/XXXX. The following statement in response to a previous complaint is completely false. \" You agreed to settle your loan for {$370.00} on XX/XX/XXXX. You missed your first settlement payment due on XX/XX/XXXX. \" They did offer a settlement of {$500.00} on XX/XX/XXXX. I countered with an offer of {$200.00} in 2 payments which they refused. They contacted me again via phone on XX/XX/XXXX. They then offered a settlement of {$370.00}. I countered with {$270.00} which they refused. I was basically coerced in accepting a settlement of {$370.00} paid in 2 installments.\nIn the meantime, I had done extensive research and consulted an attorney. I have also filed a complaint with the Ohio Attorney General. My findings : Payday/short-term lenders must be licensed by the state of Ohio in order to offer loans to its residents. ( See attachment of ORC 1321 ). Since this company has no license in my state, the loan contract is not valid. As stated, I have consulted an attorney regarding this and have been advised not to make any more payments on this loan.\nAlthough I am not legally required to do so, I am willing to repay the principal balance of this loan. I received a deposit of {$800.00} on XX/XX/XXXX. To date, I have made payments equaling {$1600.00}. This actually results in an overpayment of {$830.00}. XXXX. I wo n't even include the overages I paid on previous loans.\nI am not a member of the XXXX XXXX XXXX XXXX XXXX nor did I obtain this loan on tribal land. The mailing address is in Illinois. ( Spotloan is not licensed in Illinois and not authorized to loan to Illinois consumer per cease and desist order of XX/XX/XXXX from the Illinois Department of Financial and Professional Regulation. See attached. ) Why if the tribe is in North Dakota is there is a mailing address in Illinois?\nI suspect this is a case of \" rent-a-tribe '', a tribe being used by an outside lender in an attempt to get around state laws. The FTC argues that tribal jurisdiction does not apply. The loans are off-reservation activity because they were taken out by people who are not on the reservation. ( From an article in XXXX XXXX dated XX/XX/XXXX ). I can supply many, many articles regarding this and the lawsuits and court decisions concerning these issues.\n<P/>\nI have revoked authorization for ACH withdrawals and you have responded with an email stating that I have declined automatic withdrawals from my bank account. A copy of this has been given to my bank. ( See attached ).","date_sent_to_company":"2017-07-11T17:41:27.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Payday loan","zip_code":"456XX","tags":"Older American","has_narrative":true,"complaint_id":"2570873","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BlueChip Financial","date_received":"2017-07-11T16:14:41.000Z","state":"OH","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["I <em>suspect</em> this is a case of \" rent-a-tribe '', a tribe being used by an outside lender in an attempt to get around state laws. The FTC argues that tribal jurisdiction does not apply. The loans are off-reservation activity because they were taken out by people who are not on the reservation. ( From an article in XXXX XXXX dated XX/XX/XXXX ). I can supply many, many articles regarding this and the <em>lawsuits</em> and court decisions concerning these issues."]},"sort":[14.481087,"2570873"]},{"_index":"complaint-public-v1","_id":"8315989","_score":12.305682,"_source":{"product":"Checking or savings account","complaint_what_happened":"I deposited a check with Wells Fargo in XXXX, GA, on XX/XX/23, in the amount of {$5000.00}, and it was a settlement that I received from a class action lawsuit. The check was drawn on XXXX XXXX Bank, as the attorneys that handled my case were in another state. The bank stated that I would get {$220.00} the next day, and the other money would be available once the check clears. When I called to check on the funds a few days later, I was told that the bank was holding the check for verification. I communicated to the attorneys that the check was being held, and the bank wanted verification of the check from the bank. The check finally cleared, as the accountant for the law firm had told me, and I was able to use my debit card to spend the money that was available. My debit card somehow got lost, and I went into the bank to make a withdrawal. I was told there was a hold on me doing any withdrawals, because the check was suspicious ; however, I was able to transfer money into my XXXX account, and was able to order merchandise online from XXXX, and XXXX XXXX  My account at Wells Fargo was eventually closed, and my {$2800.00} (? ) was taken out of the account, but not sent to me. l called several times, and they claimed they needed verification to send the money to me. My money that XXXX XXXX sent me when they cashed the check!!! I have called back and forth, and no resolution to this day, except to get verification from them. XXXX XXXX cashed the check, and sent them the money, so what more proof do they need??? Furthermore, if the money was in question, then why was I able to use any of the money at all? I don't understand. These thieves are holding on to my money for no reason, other than being petty. Mind you, the individuals that handled my case at the XXXX law firm have been trying to get these people to give me my money, and they still resist. I need my money to live with. This has been going on long enough, and it is an illegal practice on Wells Fargo 's part. \n\nI filed a XXXX XXXX XXXX  claim on Wells Fargo, and this is the response that I got ... .When you make a deposit into your account, its our standard policy to place it on a brief hold until we verify the funds are available. Research shows a check deposit was made into your account on XXXX XXXX in the amount of {$5000.00}. \nAfter the check went through processing it came back as suspected to be altered. As a result, the checking account ending in XXXX was closed. We will attach the correspondence from loss prevention regarding this information. Since the remaining balance of {$2800.00} was from a suspected altered check, we will not be reimbursing the funds to you. \n\nMy problem with this issue is that no money would have been released to me, if the check was truly suspicious. Mind you, once again, I was able to use the money from my account freely, until they blocked me. Even when they blocked me, I was told by customer service that I could still use the funds, but that I could not withdraw money out of the bank, as I had attempted. Honestly, why was I able to use the money, if there was a problem? And, the money came from the check that XXXX XXXX cashed. Wells Fargo should not be allowed to get away with taking people 's money like this.","date_sent_to_company":"2024-02-09T16:58:27.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"31061","tags":null,"has_narrative":true,"complaint_id":"8315989","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-02-09T16:25:57.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I deposited a check with Wells Fargo in XXXX, GA, on XX/XX/23, in the amount of {$5000.00}, and it was a <em>settlement</em> that I received from a class action <em>lawsuit</em>. The check was drawn on XXXX XXXX Bank, as the attorneys that handled my case were in another state. The bank stated that I would get {$220.00} the next day, and the other money would be available once the check clears. When I called to check on the funds a few days later, I was told that the bank was holding the check for verification."]},"sort":[12.305682,"8315989"]},{"_index":"complaint-public-v1","_id":"7795124","_score":10.82423,"_source":{"product":"Debt collection","complaint_what_happened":"SPEEDY CASH EXPRESS Dear Sir/Madam, We wish to bring to your attention that a lawsuit has been filed against you with the following details : LAWSUIT COURT CASE FILES NO : XXXX XXXX LAWSUIT COST - {$2400.00} ( INCLUDING ATTORNEY FEE/COURT FEE/ALL TAXES ) SETTLEMENT AMOUNT - {$1100.00} SUBJECT : LOAN Settlement AMOUNT- {$1100.00} Contact AT : XXXX We would like to bring to your attention that legal action is currently being pursued against you at the Court House. We felt it necessary to notify you of this development before any complications arise. It has come to our attention that you have disregarded our previous attempts to reach out to you regarding your debt to XXXX XXXX. Your intentions in this matter are quite apparent, and we are left with no choice but to defend our interests. \n\nXXXX XXXX XXXX XXXX HAS STATED XXXX SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE XXXX. VIOLATION OF FEDERAL XXXX. COLLATERAL CHECK XXXX. THEFT BY DECEPTION BANKING REGULATION FRAUD Section 19 ( A ), Clause 21 ( US ) contains the legal charges against you. Immediate action is necessary to prevent any further legal proceedings from our department. We demand that you take this matter seriously and address it promptly. Failure to do so will result in severe consequences.\n\nNote : Please be advised that we are currently in the process of blocking your Social Security number and notifying all XXXX Credit Bureaus. This action has been taken in response to the recent security breach that has occurred. We recommend that you monitor your credit reports closely and report any suspicious activity to us immediately. \nWe apologize for any inconvenience this may cause and assure you that we are committed to protecting your personal information Note : Section 19 ( A ), Clause 21 ( US ) contains the legal charges against you. Immediate action is necessary to prevent any further legal proceedings from our department. We demand that you take this matter seriously and address it promptly. Failure to do so will result in severe consequences. \n\nA response from you is required within 24 hours of receiving this letter. Failure to comply will result in legal action pursued by our in-house attorney. We hold the right to pursue legal action for wire fraud committed through the refusal to repay a debt incurred over the Internet. Furthermore, we will seek to recover the outstanding balance in addition to any legal fees or court costs pertaining to this matter. \n\n\nWe regret to inform you that due to suspected fraudulent activity, it may be necessary for us to notify the appropriate authorities, including the FTC, your employer, and bank. We take the integrity of all transactions very seriously and must hold those accountable who may attempt to engage in deceptive practices. \n\n\nWe have come to a settlement agreement with XXXX Weekly and biweekly. You are presented with XXXX payment options and must choose promptly. \n\nXXXX : You can immediately settle this case outside of court by paying {$1100.00} in full. Alternatively, you can pay {$590.00} twice with weekly installments, which will also settle the case. \n\nXXXX : You can put this case on hold outside of the courthouse by paying {$260.00} today. You will then need to pay the remaining balance of {$1800.00} in weekly and biweekly installments until the loan amount is paid in full. Your final decision must be communicated to us as soon as possible. \n\nWe would appreciate a timely response from you before any legal action is pursued against you. \n\nPlease provide your definitive response to this email, as I require this information to proceed with further actions. Please direct your reply to mailto : XXXX It is imperative for individuals who have utilized the products and services offered by XXXX XXXX to be aware that the company serves as the parent entity for over XXXX payday loan websites. Included in this expansive network are well-known entities such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rapid Cash, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If any of these aforementioned websites were utilized to obtain a loan, then one has engaged with a cash-related company under the purview of XXXX XXXX. \n\nOtherwise, if the necessary action is not taken, your file will be referred to our legal department, which will proceed to download the case against you. Subsequently, you will receive a court summons at your doorstep within XXXX working days. It is recommended that you consider engaging the services of an attorney to assist you in this matter. \n\n\nNote : It is important to note that the major credit bureaus are currently conducting an investigation into this case. \n\nPlease kindly let us know how you would prefer to make payment for mailto : XXXX We value your preferences and want to ensure a seamless transaction process for you. \n\nThank you for your cooperation. \n\n\nRegards, XXXX XXXX XXXX XXXX XXXX. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX","date_sent_to_company":"2023-11-09T00:34:36.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"23223","tags":"Servicemember","has_narrative":true,"complaint_id":"7795124","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCF Intermediate Holdings LLC","date_received":"2023-11-02T19:51:23.000Z","state":"VA","company_public_response":null,"sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["SPEEDY CASH EXPRESS Dear Sir/Madam, We wish to bring to your attention that a <em>lawsuit</em> has been filed against you with the following details : <em>LAWSUIT</em> COURT CASE FILES NO : XXXX XXXX <em>LAWSUIT</em> COST - {$2400.00} ( INCLUDING ATTORNEY FEE/COURT FEE/ALL TAXES ) <em>SETTLEMENT</em> AMOUNT - {$1100.00} SUBJECT : LOAN <em>Settlement</em> AMOUNT- {$1100.00} Contact AT : XXXX We would like to bring to your attention that legal action is currently being pursued against you at the Court House."]},"sort":[10.82423,"7795124"]},{"_index":"complaint-public-v1","_id":"8770022","_score":8.814116,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I contacted Equifax inc on XX/XX/XXXX. Consumer informed them of potential violation of consumer laws & securities law under the rules of XXXX being that EQUIFAX INC is a publicly traded company. They did not reply to my correspondence and didnt provide me with the requested information under the XXXX of information act. Pursuant to Section XXXX of the securities exchange act XXXX which states : ( a ) Any person who willfully violates any provision of this title ( other than section 30A ), or any rule or regulation thereunder the violation of which is made unlawful or the observance of which is required under the terms of this title, or any person who willfully and knowingly makes, or causes to be made, any statement in any application, report, or document required to be filed under this title or any rule or regulation thereunder or undertaking contained in a registration statement as provided in subsection ( d ) of section XXXX of this title, or by any self-regulatory organization in connection with an application for membership or participation therein or to become associated with a member thereof, which statement was false or misleading with respect to any material fact, shall upon conviction be fined not more than {>= $1,000,000}, or imprisoned not more than 20 years, or both, except that when such person is a person other than a natural person, a fine not exceeding {>= $1,000,000} may be imposed. It is noted that on page S-i in form XXXX ( Prospectus ) filed on XX/XX/XXXX with the commission EQUIFAX XXXX XXXX XXXX following statement : The notes are a new issue of securities with no established trading market. The notes will not be listed on any securities exchange or quoted on any automated dealer quotation system. However, on page XXXX in form XXXX XXXX filed with the commission on XX/XX/XXXX EQUIFAX INC along with its underwriters made and agreed to the following statements in SECTION 2. Purchase, Sale and Delivery of the Securities states : ( c ) Public Offering of the XXXX. The Representatives hereby advise the Company that the Underwriters intend to offer for sale to the public as described in the Disclosure Package and the Prospectus, their respective portions of the Securities as soon after the Execution Time as the Representatives, in their sole judgment, have determined is advisable and practicable. Due to the FACT that the above citations are both false and misleading, I have reason to suspect that EQUIFAX INC has committed the following violations : 1. Securities Fraud under XXXX rules 2. False and misleading statements in documents filed with the commission 3. Use of deceptive tactics in buying or selling securities registered on a national exchange or those not registered, including securities-based swap agreements 4. Engagement in deceptive or manipulative practices related to security-based swaps 5. XXXX XXXX  XXXX XXXX statues XXXX. Identity theft under XXXX rules Pursuant to XXXX of XXXX XXXX. In good faith, I hereby request that EQUIFAX INC provide me with the following documents & information : XXXX. The most recent public & private accounting according to ( GAAP ). \n2. Form XXXX associated with my name. \n3. XXXX XXXXXXXX barter form for any and all securities associated with my name. \n4. A copy of XXXX filing on my name that perfected the security interest in the financial assets. \n5. A copy of my Consumer file not a CONSUMER REPORT that is associated with my name. \n6. EQUIFAX INC XXXX bond if applicable 7. EQUIFAX INC XXXX bond if applicable XXXX. The name of the person spoken to, documentation used to determine that the information on the consumer report was indeed authorized by the consumer, & signed application with consumer wet ink signature. \n\nEQUIFAX INC officers have engaged in XXXX XXXX XXXX XXXX XXXXXXXX statutes on two separate occasion by using subordinate notes to make principal payments to older investors with new investors proceeds generated from their securities. I will be filing form XXXX treasury omb form to audit consumers account. In addition to the preceded statement in XXXX business days I will be arbitration lawsuit under the rules of XXXX being that EQUIFAX INC is a publicly traded company. Lastly, I will be filing a complaint with the securities exchange commission as a whistleblower for securities fraud, to which I will be requesting a settlement of XXXX XXXX United States dollars as well as requesting an order to cease and desist EQUIFAX INC operations. I have included the officers certification filings with the commission to which they agreed that they were acting in accordance with the securities exchange act of XXXX.","date_sent_to_company":"2024-04-16T19:01:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07307","tags":null,"has_narrative":true,"complaint_id":"8770022","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-14T20:10:59.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["EQUIFAX INC officers have engaged in XXXX XXXX XXXX XXXX XXXXXXXX statutes on two separate occasion by using subordinate notes to <em>make</em> principal payments to older investors with new investors proceeds generated from their securities. I will be filing form XXXX treasury omb form to audit consumers account. In addition to the preceded statement in XXXX business days I will be arbitration <em>lawsuit</em> under the rules of XXXX being that EQUIFAX INC is a publicly traded company."]},"sort":[8.814116,"8770022"]},{"_index":"complaint-public-v1","_id":"8770021","_score":8.785518,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I contacted Equifax inc on XX/XX/XXXX. Consumer informed them of potential violation of consumer laws & securities law under the rules of XXXX being that EQUIFAX INC is a publicly traded company. They did not reply to my correspondence and didnt provide me with the requested information under the Freedom of information act. Pursuant to Section 32 of the securities exchange act XXXX which states : ( a ) Any person who willfully violates any provision of this title ( other than section 30A ), or any rule or regulation thereunder the violation of which is made unlawful or the observance of which is required under the terms of this title, or any person who willfully and knowingly makes, or causes to be made, any statement in any application, report, or document required to be filed under this title or any rule or regulation thereunder or undertaking contained in a registration statement as provided in subsection ( d ) of section 15 of this title, or by any self-regulatory organization in connection with an application for membership or participation therein or to become associated with a member thereof, which statement was false or misleading with respect to any material fact, shall upon conviction be fined not more than {>= $1,000,000}, or imprisoned not more than 20 years, or both, except that when such person is a person other than a natural person, a fine not exceeding {>= $1,000,000} may be imposed. It is noted that on page S-i in form 424B2 ( Prospectus ) filed on XX/XX/XXXX with the commission EQUIFAX INC made the following statement : The notes are a new issue of securities with no established trading market. The notes will not be listed on any securities exchange or quoted on any automated dealer quotation system. However, on page XXXX in form XXXX XXXX filed with the commission on XX/XX/XXXX EQUIFAX INC along with its underwriters made and agreed to the following statements in SECTION 2. Purchase, Sale and Delivery of the Securities states : ( c ) Public Offering of the Securities. The Representatives hereby advise the Company that the Underwriters intend to offer for sale to the public as described in the Disclosure Package and the Prospectus, their respective portions of the Securities as soon after the Execution Time as the Representatives, in their sole judgment, have determined is advisable and practicable. Due to the FACT that the above citations are both false and misleading, I have reason to suspect that EQUIFAX INC has committed the following violations : 1. Securities Fraud under FINRA rules 2. False and misleading statements in documents filed with the commission 3. Use of deceptive tactics in buying or selling securities registered on a national exchange or those not registered, including securities-based swap agreements 4. Engagement in deceptive or manipulative practices related to security-based swaps 5. XXXX XXXX XXXXXXXX XXXX statues 6. Identity theft under XXXX rules Pursuant to Freedom of Information Act. In good faith, I hereby request that EQUIFAX INC provide me with the following documents & information : 1. The most recent public & private accounting according to ( GAAP ). \n2. Form XXXX associated with my name. \n3. XXXX XXXXXXXX barter form for any and all securities associated with my name. \n4. A copy of XXXX filing on my name that perfected the security interest in the financial assets. \n5. A copy of my Consumer file not a CONSUMER REPORT that is associated with my name. \n6. EQUIFAX INC XXXX bond if applicable 7. EQUIFAX INC XXXX bond if applicable 8. The name of the person spoken to, documentation used to determine that the information on the consumer report was indeed authorized by the consumer, & signed application with consumer wet ink signature. \n\nEQUIFAX INC officers have engaged in XXXX XXXX XXXX XXXX XXXX statutes on two separate occasion by using subordinate notes to make principal payments to older investors with new investors proceeds generated from their securities. I will be filing form XXXX treasury omb form to audit consumers account. In addition to the preceded statement in 15 business days I will be arbitration lawsuit under the rules of XXXX being that EQUIFAX INC is a publicly traded company. Lastly, I will be filing a complaint with the securities exchange commission as a whistleblower for securities fraud, to which I will be requesting a settlement of XXXX XXXX United States dollars as well as requesting an order to cease and desist EQUIFAX INC operations. I have included the officers certification filings with the commission to which they agreed that they were acting in accordance with the securities exchange act of XXXX.","date_sent_to_company":"2024-04-16T19:01:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07307","tags":null,"has_narrative":true,"complaint_id":"8770021","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-14T20:10:59.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["EQUIFAX INC officers have engaged in XXXX XXXX XXXX XXXX XXXX statutes on two separate occasion by using subordinate notes to <em>make</em> principal payments to older investors with new investors proceeds generated from their securities. I will be filing form XXXX treasury omb form to audit consumers account. In addition to the preceded statement in 15 business days I will be arbitration <em>lawsuit</em> under the rules of XXXX being that EQUIFAX INC is a publicly traded company."]},"sort":[8.785518,"8770021"]},{"_index":"complaint-public-v1","_id":"8770130","_score":8.766849,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I contacted Equifax inc on XX/XX/XXXX. Consumer informed them of potential violation of consumer laws & securities law under the rules of XXXX being that EQUIFAX INC is a publicly traded company. They did not reply to my correspondence and didnt provide me with the requested information under the XXXX of information act. Pursuant to Section XXXX of the securities exchange act XXXX which states : ( a ) Any person who willfully violates any provision of this title ( other than section XXXX ), or any rule or regulation thereunder the violation of which is made unlawful or the observance of which is required under the terms of this title, or any person who willfully and knowingly makes, or causes to be made, any statement in any application, report, or document required to be filed under this title or any rule or regulation thereunder or undertaking contained in a registration statement as provided in subsection ( d ) of section XXXX of this title, or by any self-regulatory organization in connection with an application for membership or participation therein or to become associated with a member thereof, which statement was false or misleading with respect to any material fact, shall upon conviction be fined not more than {>= $1,000,000}, or imprisoned not more than 20 years, or both, except that when such person is a person other than a natural person, a fine not exceeding {>= $1,000,000} may be imposed. It is noted that on page S-i in form XXXX ( Prospectus ) filed on XX/XX/XXXX with the commission EQUIFAX INC made the following statement : The notes are a new issue of securities with no established trading market. The notes will not be listed on any securities exchange or quoted on any automated dealer quotation system. However, on page XXXX in form XXXX XXXX filed with the commission on XX/XX/XXXX EQUIFAX INC along with its underwriters made and agreed to the following statements in SECTION 2. Purchase, Sale and Delivery of the Securities states : ( c ) Public Offering of the Securities. The Representatives hereby advise the Company that the Underwriters intend to offer for sale to the public as described in the Disclosure Package and the Prospectus, their respective portions of the Securities as soon after the Execution Time as the Representatives, in their sole judgment, have determined is advisable and practicable. Due to the FACT that the above citations are both false and misleading, I have reason to suspect that EQUIFAX INC has committed the following violations : 1. Securities Fraud under XXXX rules XXXX. False and misleading statements in documents filed with the commission 3. Use of deceptive tactics in buying or selling securities registered on a national exchange or those not registered, including securities-based swap agreements 4. Engagement in deceptive or manipulative practices related to security-based swaps 5. XXXX XXXX XXXXXXXX XXXX statues XXXX. Identity theft under XXXX rules Pursuant to Freedom of XXXX XXXX. In good faith, I hereby request that EQUIFAX INC provide me with the following documents & information : 1. The most recent public & private accounting according to ( GAAP ). \n2. Form XXXX associated with my name. \nXXXX. XXXX XXXXXXXX barter form for any and all securities associated with my name. \n4. A copy of XXXX filing on my name that perfected the security interest in the financial assets. \n5. A copy of my Consumer file not a CONSUMER REPORT that is associated with my name. \n6. EQUIFAX INC XXXX bond if applicable XXXX. EQUIFAX INC XXXX bond if applicable 8. The name of the person spoken to, documentation used to determine that the information on the consumer report was indeed authorized by the consumer, & signed application with consumer wet ink signature. \n\nEQUIFAX INC officers have engaged in XXXX XXXX XXXX XXXX XXXXXXXX statutes on two separate occasion by using subordinate notes to make principal payments to older investors with new investors proceeds generated from their securities. I will be filing form XXXX treasury omb form to audit consumers account. In addition to the preceded statement in XXXX business days I will be arbitration lawsuit under the rules of XXXX being that EQUIFAX XXXX is a publicly traded company. Lastly, I will be filing a complaint with the securities exchange commission as a whistleblower for securities fraud, to which I will be requesting a settlement of XXXX XXXX United States dollars as well as requesting an order to cease and desist EQUIFAX INC operations. I have included the officers certification filings with the commission to which they agreed that they were acting in accordance with the securities exchange act of XXXX.","date_sent_to_company":"2024-04-16T19:01:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"07307","tags":null,"has_narrative":true,"complaint_id":"8770130","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-14T19:22:42.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["EQUIFAX INC officers have engaged in XXXX XXXX XXXX XXXX XXXXXXXX statutes on two separate occasion by using subordinate notes to <em>make</em> principal payments to older investors with new investors proceeds generated from their securities. I will be filing form XXXX treasury omb form to audit consumers account. In addition to the preceded statement in XXXX business days I will be arbitration <em>lawsuit</em> under the rules of XXXX being that EQUIFAX XXXX is a publicly traded company."]},"sort":[8.766849,"8770130"]},{"_index":"complaint-public-v1","_id":"7278364","_score":7.94903,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2023, I received a notification from XXXX XXXX XXXX that National Credit Adjusters , Inc. ( NCA ) added a new collection tradeline for Original Creditor : XXXX  XXXX XXXX Illinois XXXX which is considered continued collection activity as well as illegally parking a debt to intimidate be to pay on a debt that has never been legally validated. NCA failed to notify me that they would be parking this debt on my credit report as well illegally re-aging the account. \n\nI am submitting this complaint due to precedence set by the FTC in the XXXX XXXX XXXX, XXXX ( \" XXXX '' ) settlement case for FCRA and FDCPA violations for illegally parking an old debt on my credit report. \n\nXXXX. I am in the middle of a mortgage closing process and NCA is suddenly using this tradeline as leverage to intimidate me to pay the outstanding balance. Parking this account will result in sub-prime rates and loan terms. ( FTC/FDCPA violations ) XXXX. As part of my legal claim for a lawsuit against NCA, I will be using the claim that NCA is retaliating against me by adding a new negative tradeline to my credit reporting without notifying prior to adding the tradeline. ( Unfair Collection Practice ) XXXX. I will claim that NCA parked the account on my credit reports with malicious intent to cause financial harm to my credit due to : XXXX ) The current mortgage loan approval. Why would NCA choose now to submit a negative reporting ( collection account ) 4.5 years after the open date in the tradeline for any reason other than malintent? \nXXXX. NCA has never legally validated this account or the amount. \nXXXX. NCA reported a balance of {$4200.00}, a balance which has never been submitted to me or validated by NCA. \nThe Federal Trade Commission ( \" FTC '' ) recently announced that a debt collector will pay {$24.00} XXXX to settle an agency investigation into the unlawful practice of debt parking. The civil penalty will be paid by XXXX XXXX XXXX, XXXX ( \" XXXX '' ), a debt collection company that engaged in unlawfully reporting debts to consumer credit reporting services without first investigating the debts, attempting to collect the debts or even contacting the debtors. See FTC news release here. The owners of XXXX are also being punished personally. \nIn a recent settlement case with XXXX XXXX XXXX, XXXX, the FTC has used the case to establish the general principle that debt parking is unlawful. As the FTC statement says, debt parking is now to be deemed an other prohibited practice under federal law which can subject violators to \" ... law enforcement action for violations of the FTC Act, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. '' Under various consumer protection statutes, reporting parked debts to credit reporting services is unlawful. In the investigation, the FTC charged XXXX with many legal violations for their debt parking practices. \nThe FTC charged XXXX with violating the Fair Debt Collection Practices Act ( \" FDCPA '' ) which makes it unlawful for a debt collector to falsely represent the character, amount, and/or legal status of consumer debts. The FDCPA also punishes debt collectors who report debts to reporting services if the debt collector knows or has reason to suspect the debt may be disputed. The FDCPA prohibits using any sort of false or deceptive means to collect a debt. According to the FTC, debt parking practices are deemed a form of false or deceptive means used to collect debts. Such practices are deemed particularly false and deceptive when the debt collector fails to communicate with the consumer before making the report. National Credit Adjusters XXXX NCA ) also violated this provision of the FDCPA. Finally, the FDCPA requires that debt collectors provide various notices to consumers. NCA has failed to provide such notices, yet another violation of the FDCPA. \nThe FCRA requires that debt collectors conduct a reasonable investigation if debts are disputed and must report the results of those investigations prior to reporting debts to credit services. NCA violated the FCRA by failing to conduct any sort of investigation and by failing to communicate with the alleged debtor. \nPer the FTC, the debt parking tactics employed by debt collectors violate various aspects of the Fair Debt Collection Practices Act, which lays out how debt collectors should engage with debtors, and the Fair Credit Reporting Act, which spells out how credit reporting agencies and those who furnish information to them should operate. \nThe legal violations the FTC cites against parking a debt include : False representations, or representations that lack substance. \nNot providing validation notices to consumers giving them the information they need to dispute a debt. \nProviding information to credit reporting agencies that they knew, or had reason to believe, was not accurate. \nA failure to conduct reasonable investigations of consumer disputes of the debt. \nNot communicating the findings of investigations to consumers Re-aging a debt is also a violation of the FDCPA and FCRA and is punishable in a court of law. \n\nWhen a debt buyer parks an old debt on your credit report or re-ages an account, it is a violation of the FCRA. \nThe federal Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ), also called credit bureaus, to maintain an accurate file of your credit information. NCA is trying to get around this law by reporting an old debt as newer than it really is. But by lying about the age of the account is or the date of any delinquency, NCA has violated the FCRA. NCA did not alert me that they've reported an old debt to the CRAs. Because the FCRA requires debt buyers to notify you when they report negative information to a CRA, this practice violates the FCRA.","date_sent_to_company":"2023-07-20T14:17:40.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"297XX","tags":null,"has_narrative":true,"complaint_id":"7278364","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Adjusters, LLC","date_received":"2023-07-20T14:03:43.000Z","state":"SC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The FTC charged XXXX with violating the Fair Debt Collection Practices Act ( \" FDCPA '' ) which <em>makes</em> it unlawful for a debt collector to falsely represent the character, amount, and/or legal status of consumer debts. The FDCPA also punishes debt collectors who report debts to reporting services if the debt collector knows or has reason to <em>suspect</em> the debt may be disputed. The FDCPA prohibits using any sort of false or deceptive means to collect a debt."]},"sort":[7.94903,"7278364"]},{"_index":"complaint-public-v1","_id":"7279677","_score":7.9188385,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/2023, I received a notification from Experian Reporting Credit that XXXX XXXX XXXX ( XXXX ) verified a dispute submitted to the credit reporting agency. XXXX and Experian has violated FCRA and FDCPA regulations by verifying the account as accurate when it is clearly false information as well as parking an account that clearly has not been properly validated or verified ( See attached files ) Parking a new collection tradeline for XXXX is considered continued collection activity. I am submitting this complaint due to precedence set by the FTC in the XXXX XXXX XXXX, XXXX ( \" XXXX '' ) settlement case for FCRA and FDCPA violations for illegally parking an old debt on my credit report : XXXX. I am in the middle of a mortgage closing process and XXXX is suddenly using this tradeline as leverage to intimidate me to pay the outstanding balance. Parking this account will result in sub-prime rates and loan terms. ( FTC/FDCPA violation ) XXXX. As part of my legal claim for a lawsuit against XXXX and Experian, I will be using the claim that XXXX is retaliating against me by adding a new negative tradeline to my credit reporting. \nXXXX. I will claim that XXXX parked the account on my credit reports with malicious intent to cause financial harm to my credit due to : XXXX ) The current mortgage loan approval. Why would XXXX choose now to submit a negative reporting ( collection account ) XXXX years after the open date in the tradeline for any reason other than malintent? \nXXXX. XXXX nor Experian has never legally validated this account or the amount based on the attached documents. \nXXXX. XXXX reported a balance of {$1200.00}, a balance which has never been submitted to me or validated by XXXX. \n\nThe Federal Trade Commission ( \" FTC '' ) recently announced that a debt collector will pay {$24.00} million to settle an agency investigation into the unlawful practice of debt parking. The civil penalty will be paid by XXXX XXXX XXXX, XXXX ( \" XXXX '' ), a debt collection company that engaged in unlawfully reporting debts to consumer credit reporting services without first investigating the debts, attempting to collect the debts or even contacting the debtors. \nThe owners of XXXX are also being punished personally. \nIn a recent settlement case with XXXX XXXX XXXX, XXXX, the FTC has used the case to establish the general principle that debt parking is unlawful. As the FTC statement says, debt parking is now to be deemed an other prohibited practice under federal law which can subject violators to \" ... law enforcement action for violations of the FTC Act, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. '' Under various consumer protection statutes, reporting parked debts to credit reporting services is unlawful. In the investigation, the FTC charged XXXX with many legal violations for their debt parking practices. \n\nThe FTC charged XXXX with violating the Fair Debt Collection Practices Act ( \" FDCPA '' ) which makes it unlawful for a debt collector to falsely represent the character, amount, and/or legal status of consumer debts. The FDCPA also punishes debt XXXXollectors who report debts to reporting services if the debt collector knows or has reason to suspect the debt may be disputed. The FDCPA prohibits using any sort of false or deceptive means to collect a debt. According to the FTC, debt parking practices are deemed a form of false or deceptive means used to collect debts. Such practices are deemed particularly false and deceptive when the debt collector fails to communicate with the consumer before making the report. XXXX XXXX XXXX XXXX XXXX ) also violated this provision of the FDCPA. Finally, the FDCPA requires that debt collectors provide various notices to consumers. XXXX has failed to provide such notices, yet another violation of the FDCPA. \n\nThe FCRA requires that debt collectors conduct a reasonable investigation if debts are disputed and must report the results of those investigations prior to reporting debts to credit services. XXXX and Experian violated the FCRA by failing to conduct any sort of true investigation and CCS by failing to communicate with the alleged debtor. \n\nPer the FTC, the debt parking tactics employed by debt collectors violate various aspects of the Fair Debt Collection Practices Act, which lays out how debt collectors should engage with debtors, and the Fair Credit Reporting Act, which spells out how credit reporting agencies and those who furnish information to them should operate. \nThe legal violations the FTC cites against parking a debt include : False representations, or representations that lack substance. \nNot providing validation notices to consumers giving them the information they need to dispute a debt. \nProviding information to credit reporting agencies that they knew, or had reason to believe, was not accurate. \nA failure to conduct reasonable investigations of consumer disputes of the debt. \nNot communicating the findings of investigations to consumers Re-aging a debt is also a violation of the FDCPA and FCRA and is punishable in a court of law. \n\nWhen a debt buyer parks an old debt on your credit report or re-ages an account, it is a violation of the FCRA. \nThe federal Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ), also called credit bureaus, to maintain an accurate file of your credit information. XXXX is trying to get around this law by reporting an old debt as newer than it really is. But by lying about the age of the account is or the date of any delinquency, XXXX has violated the FCRA. XXXX did not alert me that they've reported an old debt to the CRAs. Because the FCRA requires debt buyers to notify you when they report negative information to a CRA, this practice violates the FCRA.","date_sent_to_company":"2023-07-21T00:38:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"297XX","tags":null,"has_narrative":true,"complaint_id":"7279677","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-07-21T00:38:24.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The FTC charged XXXX with violating the Fair Debt Collection Practices Act ( \" FDCPA '' ) which <em>makes</em> it unlawful for a debt collector to falsely represent the character, amount, and/or legal status of consumer debts. The FDCPA also punishes debt XXXXollectors who report debts to reporting services if the debt collector knows or has reason to <em>suspect</em> the debt may be disputed. The FDCPA prohibits using any sort of false or deceptive means to collect a debt."]},"sort":[7.9188385,"7279677"]},{"_index":"complaint-public-v1","_id":"7341019","_score":7.7144475,"_source":{"product":"Debt collection","complaint_what_happened":"My letter to the board of WSFS and their retained counsel:\n\nRepresentatives at XXXX, XXXX, XXXX  and WSFS representatives:\n\nThank you for taking the time to read the information enclosed below regarding the ongoing issues and pending legal action against WSFS.\n\nMost of you are aware of the previous correspondence sent by myself to the board regarding issues stemming from allegations of discrimination in conjunction with several other improprieties.  That correspondence was met with initial concern from your Chief Legal Officer who guaranteed an investigation into the matter.\n\nXXXX XXXX then reviewed the matter, decided to cancel the relationship, and call in a line of credit to be immediately satisfied in full of $XXXX  which was paid entirely.  In the following weeks, XXXX XXXX, a collection specialist, was given the account, and instructed me I could only make payment by paper check.  Three attempts have been made to satisfy loan payments by check, two of three not cashed, all check numbers available if needed.  I find it auspicious that I still was unable to make payment electronically.  As of today, payment will be dropped off, in person, at your corporate office, with a video made, so as to make sure there is no confusion.\n\nAs a result of the missed payments, which I would like to point out that in 11 years, the only missed payments ever recorded was during this situation.  XXXX XXXX, sent a pdf of a letter accelerating all loans to be satisfied in 15 days for over $XXXX XXXX.  It was sent to XXXX which was an email created for the sole purpose of emailing attorneys regarding my case and never furnished to WSFS or XXXX XXXX.\n\nIts imperative that this board, and anyone reading this, comprehends what is taking place in the present, and what will take place in the future.  On XXXX XXXXXXXX XXXX, in response to the actions that took place by WSFS, and before I addressed the board on XXXX, I sent a detailed outline to a reporter from the XXXX XXXX XXXX  that I have cultivated an association with over the years.\n\nThe next part is important, so pay attention.  In that outline, I stated the actions that would take place, the likely response by the bank, and the likely outcome of the situation.  The individual has been receiving the communications and the videos I have shared, the ones I will share in this letter, and he has the ones that I still have yet to release.  This person has been watching the situation unfold with the strong anticipation.\n\nXXXX XXXX sent the acceleration demand to an email that was only structured for the purpose of emailing attorneys, an email that he and WSFS were never furnished.  I instructed the board of my intention of emailing attorneys, I just didnt say when.  Time passing and my prevailing patience hasnt changed the course of action.  The first push of connections was 274 attorneys.  Some of which may or may not have been emailed to known attorneys that have a conflict of interest, where it may or may not have been assumed it would reach your counsel in one way or another, which it did as he sent it to the email provided only to those attorneys.\n\nThe email sent to these attorneys, as Im sure youre aware, is a quick outline of the case, with attached videos.  The first video is the one sent in my original letter to the board, the second is a video of the 211 emails I sent during my time where there was alleged discrimination, my claims of discrimination outlined in time stamped emails, and my feelings surrounding those inflammatory acts.  This video shows XXXX XXXX did not do a thorough investigation, did not review emails on the servers, and clearly didnt review the ones from prior to XXXX.  I anticipated this, along with the actions that would be taken by the bank, and the recommendations of their counsel.\n\nThe SEC was given the information under submission number XXXX and the State of Delaware Investor Protection Unit also was furnished the information you have seen and still have yet to see.\n\nThe Securities and Exchange Act of 1934 is a serious matter, along with the Federal Civil Rights Act of 1964, and breach of the obligation to provide correct information is considered a serious matter.  There is a procedural duty to provide correct information.  Whether your investors believe that they were injured will be entirely up to them, and as I stated before, I have never traded the stock of WSFS, nor will I.\n\nI believe theres a substantial likelihood that reasonable investors would consider this disclosure, especially during that time and space in this country, significant not only for the stock, but also in regards to a merger.  Most investors will rely on the integrity of the price set by the market, and this is only achieved with accurate information.  Releasing information so incomplete as to mislead investors, employees, and the public is negligent and reckless.  Employees have the right, just like investors, to have information available to them to know if the culture of the workplace matches their moral compass.  A court, or person, can never set the bar too low for a standard of materiality, and the information I have provided and accusations I have made would be considered information that can alter the total mix of information made available.\n\nAntitrust laws have been violated, and the FTC always conducts comprehensive merger reviews and their opinion surrounding a multi year, documented claim of discrimination over hundreds of emails, text messages, voice conversations, supersedes whether this board, or its counsel, believes that any wrongdoing has committed.  In total, there were over 34 laws and regulations broken.  Of the attorneys that were contacted some were investor class action attorneys.  I have been sent engagement letters by several notable attorneys and have yet to decide who I will move forward with.\n\nWSFS will be forced to provide basic-level information and will need to be forthcoming.  While XXXX XXXX  thought it to be acceptable to overlook such a pressing matter and give it the proper due diligence, she left your company wide open for lawsuits for things beyond the scope of what she may have perceived she was dealing with.\n\nThe Department of Justice and its actions have also been calculated into my series of events, along with inquiries coming from both national and state agencies.  While your counsel may provide you comfort in what his defenses can and would be, then I would give notion that you still arent understanding the gravity of the situation you are in.  Now that I have validated credibility in my claims through the many attorneys that have wished to engage the matter, now is the time for the press to be made aware of the claims, the videos, and the like, that has been shared so far.\n\nIm not going to review in this email all the precedence surrounding this states legislature, as that is the job of your counsel where he will bill you accordingly for said work. The main objective of counsel appears to have been from defending you against me, but they failed in defending you from yourself. Your sole focus was on intimidation tactics surrounding my accounts and my treatment, but left you exposed in areas surrounding my case and others.  Dont let them tell you otherwise, and if they do, or even posture towards more defense, then I would suggest you find new counsel.  Their job is to make you aware of your liabilities in all forms, not be narrow minded and leave you exposed, which they did.\n\nYour merger with XXXX XXXX correlates timelines of my XXXX complaints, and your merger with XXXX XXXX  and XXXX XXXX XXXX (XXXX  XXXX) timelines also provide motives around suppressing discrimination claims despite hundreds of emails, videos, and verbal complaints.  The holdings of these companies, their investments, and the claims presented leaves liability in ways that only the highest level of financial analyst can explain to you. Your business combination disclosures have been reviewed in their entirety, along with all matters pertaining to your XXXX activity.  Manipulating information surrounding claims of discrimination, disregarding federal regulation surrounding it, and your lack of disclosures to investors provides enough burden of proof to bring action.\n\nI was a gentleman the first communication and in how these matters have been handled.  I gave the bank sufficient time to try and remedy the situation on their own, and then decided to use an attorney who I trust and attempted to mediate a remedy despite it not being their field of expertise. Did I anticipate that XXXX XXXX would know XXXX XXXX field of expertise, think it to be leverage, and his office would take their course of action?  Maybemaybe not.  Ill leave that to you to decide.\n\nI appreciate everything XXXX  did in helping in the situation, she is a true friend and good person.  When XXXX XXXX approached her and attempted to convince her to offer me to sign away my legal rights in order to not accelerate loans payments, she immediately indicated that she understood something was wrong and that it wasnt her area of expertise and strongly advised me to find a bank law specialist and to pursue action.  She provided recommendations, which was appreciated, but I had anticipated this action, not quite in this manner, and had already taken precautions.\n\nAs XXXX XXXX, his firm, and this bank are so keen on accelerated deadlines then I propose my own.  Your bullying tactics and requiring payment in 15 days surrounding $XXXX XXXX in loans was received, and in return I will extend the olive branch for your second go round, much like the first, however, this is the last, as the stakes are significantly higher now, and the equilibrium moment of decision making is actually upon this board and the company.\n\nI speak for myself, as Ive always maintained, and will provide the board a settlement offer.  All I have ever wanted is to be treated like all other customers.  My original offer still stands, WSFS can terminate XXXX XXXX and XXXX XXXX, pay no money, admit no wrong doing, and I will continue to pay loans as specified, as I have always done, never missing a payment for 11 years.\n\nThe second option is an immediate resolution and settlement of $XXXX XXXX.  The balance to be paid after satisfying all outstanding loans.  That will result in immediate termination of all communication with prospective attorneys, waive my rights to a class action lawsuit and any information leading to class action, and I will no longer comply with any government agencies that I am presently working with in relation to this matter.  All complaints will be rescinded, and WSFS and all entities I control and own will never have dealings again.\n\nIf this settlement is rejected, then I will be moving forward with a $XXXX XXXX lawsuit, provide full cooperation to any government entities necessary, and will begin my second wave of emails to attorneys seeking counsel, and any news outlets that can help put me in touch with the appropriate counsel.\n\nI warned this board against using probability modeling in handling this case. Attached is the blanket email sent to attorneys that I am seeking counsel from.  My researchers have every licensed attorney in the state of Delaware and will continue looking out to more firms, in surrounding states, to at the least educate them on a potential class action lawsuit, but also for my own suit.\n\nThe deadline put in place for my loan acceleration applies for your settlement offer.  If you choose to decline the offer, then I respect that decision, and I believe this will be a strong legal battle that will be a good case overall.\n\nIt would be unfair for me to not make you aware that I have reached out to the Attorney General for the XXXX XXXX, of which I belong, based in Oklahoma, and have requested the assistance of the Office of the Attorney General, and all pro bono legal assistance the tribe can offer in the state of Delaware and through other XXXX  around the nation who would be interested in assisting.\n\nAfter this meeting, no settlement offers will be accepted, offered, or countered.  I will not allow this lending institution to take the legal stance of wanting to wait, see, and then offer a deal.  My culture and disposition in life wont allow it.  Never was about money, I stated that from the beginning.  If you feel your bank didnt violate any laws, then the incompetence of your employees will be on full display for the world to see when questioned in the matter.\n\nWhether you believe you did anything wrong or not is not for you to decide.  This bank took a perfect customer, who grew profits every year, revenues every year, never missed a payment, has flawless credit, great financial stability, and the bank chose to redline him into lower loan packages, keep him suppressed in small business far past revenues pushed past $XXXX XXXX annually, and discriminated against him while he made formal complaints for years just to help branch managers get better bonus structures.  Then when vocalizing these complaints to the board, his credit lines were called in, all banking terminated, and then standard loan packages called in.\n\nXXXX XXXX requested the statements for the closed account of #XXXX  from XXXX, and has still not furnished them along with the check viewer images that the CPA needs, much as  he didnt furnish them the two months I asked for them.  The blatant disrespect and mistreatment has been on full display, and when it goes in front of the world, we will let them decide for themselves.  I hope hes not going to say its not true, like everything else, when my attorney requested them in addition.\n\nI look forward to your response, however, I have already anticipated it, and like a great play, we will enter the third and final act.  However, there are twists in this one that you just dont suspect.  You played your hand, a little early I might add, and now its my turn, and like a patient investor, I will see the rewards of my patience.\n\nAttached:  Letter to Attorneys.\n\nHi XXXX, this is XXXX XXXX, Delaware's largest XXXX XXXX, and Delaware's most successful entrepreneur under 40. For three years, I made time stamped email and text complaints surrounding my treatment as a WSFS customer and the discriminatory nature the bank was drifting in. I have attached the XXXX  video link for the XXXX  meeting between myself and two WSFS including XXXX XXXX. The second XXXX  link reviews the details of the emails exchanged surrounding my claims to several key executives and their blatant attempt to quiet me. There are 211 separate email events that are all documented and verified. These are the emails on the server since XXXX. Prior to XXXX  there are more emails that are even worse that I can make sure to include after engagements have taken place. As a high net worth individual, money is not, and has not been my motivator. People who encounter me understand immediately that I am a person of discipline and principle. I give people in life every opportunity to help themselves before I choose any action and move forward. When I do move forward it's with full force. I cautioned the bank of using probability modeling surrounding my treatment and their handling of the information they possessed. My personal belief is that most who watch the video are immediately aware clearly of egregious acts that were committed by bad faith actors who infiltrated this once great bank's executive suite and treated it much like the executives at XXXX XXXX. The actions of the bank to pursue the laws of probability and \"breakage\" and \"slippage\" means that money is something they value most, more than a person's rights, leading me to the notion that damages should be pursued, and not a small amount, but rather a ground breaking amount. Now that we've determined monetary gain wasn't my main motivator then let's talk about why I am doing this. I have single handedly raised my son, XXXX XXXX, to be XXXX XXXX XXXX  in history to receive D1 and ivy league scholarships, and he committed to being the youngest student in XXXX XXXX History at the age of XXXX. Attached is his video of scholarship offers so you know this to be true, along with my XXXX  profile so you can verify me as well. I am building XXXX XXXX XXXX, working alongside the State of Maryland and the state of Delaware, all in addition to my businesses. I would be doing my son a grave disservice by allowing him to see a company treat us in this way and not be held accountable. With that said, I will pay a PREMIUM to the standard attorney compensation awarded for damages. Review the tapes, let me know your thoughts, and let's move forward immediately.The allegations of my discrimination came at a time that WSFS was also completing a merger and not a single person can explain why matters surrounding claims of discrimination never went beyond the branch the one person who oversees it. I believe that shareholders deserve to know exactly what was happening at this bank during that period and their investors have the right to question executive management and their motives surrounding this. There's a lot at play here, and their pressure has been mounting as I have still repeatedly increased my pressure seeking answers surrounding their behavior. Now it's time to bring in a professional who does this for a living and while I am very successful in my areas of life, it's best to adopt a model of deferring to others in a situation such as this one.I am very eager to get to work, so let's begin with a phone call as early as tomorrow. My assistant found your information, so I figured I'd reach out directly.\n\nYour future client,\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-08-02T22:03:12.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"19709","tags":null,"has_narrative":true,"complaint_id":"7341019","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WSFS FINANCIAL CORPORATION","date_received":"2023-08-02T21:58:07.000Z","state":"DE","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["In the following weeks, XXXX XXXX, a collection specialist, was given the account, and instructed me I could only <em>make</em> payment by paper check.  Three attempts have been made to satisfy loan payments by check, two of three not cashed, all check numbers available if needed.  I find it auspicious that I still was unable to <em>make</em> payment electronically.  As of today, payment will be dropped off, in person, at your corporate office, with a video made, so as to <em>make</em> sure there is no confusion."]},"sort":[7.7144475,"7341019"]},{"_index":"complaint-public-v1","_id":"2630426","_score":6.614294,"_source":{"product":"Mortgage","complaint_what_happened":"Current Servicer as of XX/XX/XXXX is SPS - Prior Servicer : XXXX - Investor - XXXX My loan servicer, XXXX, intentionally, deceptively and unfairly steered me into default ( 90 days delinquency ) and caused me to lose good standing in MHA/HAMP and a principal reduction I was entitled to in the MHA/Making Home Affordable program on my Tier 1 Loan Modification. They then immediately sold or transferred the servicing. The loss of good standing caused me to lose my principal reduction and incentive payments of nearly {$360000.00} as per my HAMP Loan Modification Agreement dated and notarized on XX/XX/XXXX. If it werent for their misconduct and having to rely on their misrepresentation I would have been able to make a decision to pay the arrears to catch up and prevent the 90 day delinquency. They have admitted fault and apologized but left it to SPS to  correct. They had a duty to provide me with accurate and truthful information. I had entered into a repayment plan twice due to some complications and recurrence from a long term XXXX I still suffer from ( XXXX XXXX ). At these times I was never 90 days delinquent. I had concerns that if I didnt pay the arrears in full and went into the repayment plan that I would lose my principal reduction. I informed XXXX the repayment plan they were suggesting and offering would take me past 90 days delinquent and would cause me to lose my principal reduction/good standing. I was told by the XXXX customer service representatives I would not lose good standing in the MHA program if I accepted their repayment plan as you are exempt from losing the principal reduction as long as you are in a repayment plan. I confirmed three times with them and managers that if I accepted their repayment plan and terms that I would not lose the principal reduction and good standing. ALL times I was reassured that as long as youre in a repayment plan going past 90 days will not cause you to lose your principal reduction. This is all logged into the system notes as verified and read out loud to me by XXXX representative/mod specialist XXXX XXXX. After entering and accepting the repayment plan they immediately retracted and cancelled the principal reduction at 90 days delinquent, citing that I had lost good standing. I called and was told by XXXX employees that they saw in the system all the notes and that the representatives and management did confirm to me in error that I would not lose good standing/principal reduction. They acknowledged their error and said it would be fixed but that on the XXXX of XX/XX/XXXX just a couple days away the loan servicing would be transferred to SPS. XXXX XXXX ( modification specialist at CHASE ) admitted fault and acknowledged it was CHASEs error. He apologized and advised me that since servicing was switching to SPS that the investor would have to be informed via SPS to correct the error and if they didnt correct it I could retain an attorney. He said they are welcome to call him and he will verify everything in the system as the notes from everyone who confirmed this misstatement was logged but that I couldnt get me a copy of it. He gave me the names of the representatives that confirmed to me the wrong information and read the notes out loud to me. I called SPS about this after they took over servicing XX/XX/XXXX and no one would call XXXX to verify the error. They said they didnt have the notes as it was proprietary information. They told me to file a notice of error with SPS. I did several times and was denied any action or change. No one at SPS ever called CHASE or got the notes or cared about this error enough to investigate it. They responded with the fact that I was 90 days delinquent and lost good standing. I have been misled and lied to and fraudulently cheated out of my principal reduction and steered into default. Where are the XXXX funds that would have paid for the principal reduction? Did XXXX keep them? How did SPS benefit from this transaction? Were they in collusion with CHASE to keep the terms of their financial transaction of this transfer? Something is very suspicious about how this happened as the CHASE representatives were clearly coached to inform borrowers about not losing principal reduction and good standing when in a repayment plan that takes you past 90 days delinquency. Even the managers confirmed it. Who was communicating this incorrect and fraudulent information to this department? And furthermore why was I put into the HAMP/MHA instead of the National Mortgage Settlement XXXX was a part of ( they owned my loan/investor ). They didnt even suggest this to me as an option after they steered me into default. Did they change servicers quickly in a matter of days to prevent them from issuing a principal reduction under another lawsuit they were obligated to? Were they hand picking mortgages based on what gave them the most profit? This is clearly a trend at that time and I suspect these deceptive practices are more widespread. XXXX EMPLOYEES : XXXX XXXX CAS- XXXX XXXX XXXX XXXX XXXX ( XXXX ) CAS XX/XX/XXXX She documented notes in XXXX system that my principal reduction wouldnot be affected due to 90 days delinquency as long as I was in repayment plan. XXXX XXXX XXXX Modification Specialist XXXX XXXX stated it was XXXX error and they were at fault. He said he can be reached anytime and will verify this information of the error is correct and will read all notes to confirm in hopes of helping to getting this reversed and error fixed.. He apologized and advised me that since servicing was switching to SPS that the investor would have to be informed via SPS to correct the error and if they didnt correct it I could retain an attorney. He said notes were in the system but that he couldnt give me a copy of it.","date_sent_to_company":"2017-08-16T22:57:10.000Z","issue":"Trouble during payment process","sub_product":"Other type of mortgage","zip_code":"95821","tags":null,"has_narrative":true,"complaint_id":"2630426","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2017-08-16T22:31:49.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["And furthermore why was I put into the HAMP/MHA instead of the National Mortgage <em>Settlement</em> XXXX was a part of ( they owned my loan/investor ). They didnt even suggest this to me as an option after they steered me into default. Did they change servicers quickly in a matter of days to prevent them from issuing a principal reduction under another <em>lawsuit</em> they were obligated to? Were they hand picking mortgages based on what gave them the most profit?"]},"sort":[6.614294,"2630426"]},{"_index":"complaint-public-v1","_id":"19932139","_score":6.356274,"_source":{"product":"Student loan","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau Subject : NEW FORMAL COMPLAINT XXXX XXXX, XXXX, XXXX, and MOHELA Failure to Validate Debt, Unlawful Credit Reporting, and Violations of FDCPA/FCRA Complaint ID : XXXX Amount of Debt : {$250.00} Product : Federal Student Loan ( FFELP ) Company Response Received : MOHELA responded on behalf of itself and XXXX  with a legally insufficient \" validation '' consisting only of a Master Promissory Note and payment history, explicitly refusing to provide chain of title. \nCOMPLAINT NARRATIVE I am filing this complaint against XXXX XXXX, LLC ( originator/owner ), XXXX  ( interim servicer ), and MOHELA ( current servicer ) for their collective failure to validate my federal student loan debt, their continued reporting of unvalidated debt to credit bureaus, and their violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). \n\nMy loans are Federal Family Education Loan Program ( FFELP ) XXXX loans originally disbursed by XXXX XXXX in XX/XX/XXXX. I have an active Borrower Defense to Repayment application and have been confirmed by the Project on Predatory Student Lending ( PPSL ) as a \" Sweet Post-Class Applicant '' in the XXXX XXXX XXXXXXXX class action litigation. \n\nDespite multiple requests spanning months, none of these entities have provided legally sufficient validation of this debt. MOHELA 's recent response ( attached ) confirms the systemic failures. \nSECTION 1 : MOHELA 'S RESPONSE IS LEGALLY INSUFFICIENT AND ADMITS CRITICAL FAILURES MOHELA 's response claims to have validated my debt by providing a Master Promissory Note ( MPN ) and payment history. This is legally insufficient for multiple reasons. \n\nA. The XXXX XXXX XXXX XXXX XXXX Precedent Establishes That MPNs Alone Are Not Validation The CFPB 's enforcement action against the XXXX XXXX XXXX XXXX XXXX directly addresses this situation. The CFPB alleged that the Trusts : \" Sued consumers for debts the Trusts could not prove were owed '' Filed lawsuits although they \" did not have or could not find the documentation necessary to prove either that they own the loans or that the consumer owed the debt '' The parallel to my case is exact. MOHELA and XXXX can not prove they own my loans or that I owe this specific debt. They have provided the original contract ( MPN ) but refuse to provide : Chain of title documentation Proof of assignment from XXXX XXXX to XXXX to any securitization trust The name of any trust holding my loans XXXX  numbers for securitized tranches The CFPB 's action required the Trusts to \" stop collecting on certain debts... where necessary documentation can not be located ''. The same standard must apply here. \n\nB. MOHELA 's Explicit Refusal to Provide Chain of Title Is an Admission MOHELA states : \" Except as required by law, we do not provide the chain of title in the ordinary course of business, and we will not be providing it to you here. '' This statement is legally significant because : Chain of title IS required by law when a debt is disputed under 15 U.S.C. 1692g The XXXX XXXX XXXX  case establishes that collecting without chain of title is unlawful Their refusal suggests the documentation either does not exist or would reveal defects C. \" Based on Information Available '' Confirms Incomplete Reporting MOHELA admits they are reporting my debt to credit bureaus \" based on the information available. '' This is not the same as having complete, accurate information. The CFPB has already determined that reporting based on incomplete documentation harms consumers. \nSECTION 2 : MOHELA 'S RESPONSE ADMITS XXXX OWNS THE LOANSDESTROYING NAVIENT 'S DEFLECTION MOHELA 's response states explicitly : \" MOHELA currently services your two XXXX owned Federal Family Education Loan Program ( FFELP ) XXXX Loans. '' This admission is critical : Implication Significance Navient is the legal owner MOHELA admits XXXX has standing and can be sued directly XXXX 's \" talk to MOHELA '' defense is false Navient can not hide behind a servicer when they own the debt XXXX is liable for validation failures As owner, XXXX is responsible for providing chain of title XXXX has repeatedly told me to \" deal with MOHELA. '' MOHELA now confirms XXXX owns the loans. This circular deflection must stop. \n\nFurthermore, XXXX was banned from servicing federal student loans in XX/XX/XXXX as part of a {$120.00} million CFPB settlement. This settlement acknowledged XXXX 's pattern of \" account mismanagement and inaccurate payment collections ''. The transfer to MOHELA was a direct result of this enforcement action, not an ordinary business decision. \nSECTION 3 : MOHELA 'S HISTORY OF SERVICING FAILURES MAKES THEIR RESPONSE SUSPECT Senator XXXX XXXX and XXXX other Senators sent a letter to XXXX in XX/XX/XXXX specifically warning about MOHELA 's unfitness to handle these loans. The letter stated that MOHELA is \" ill suited to facilitate the cancellation of these loans '' and noted that during the return to repayment, \" at least XXXX XXXX MOHELA borrowers were affected by servicing failures like backlogs, payment miscalculations, and late bills ''. \n\nThe Senators further warned : \" Given MOHELA 's failure to follow guidance on canceling predatory federal loans, it is hard to believe that it will behave any better in canceling similar private loans XXXX will transfer to them ''. \n\nThe Project on Predatory Student Lending ( PPSL ) which represents Sweet class membersendorsed this letter, stating that XXXX 's loans \" should be extinguished, not transferred ''. \n\nMOHELA 's response confirms these warnings were prescient. They are refusing to provide validation, ignoring my XXXX class status, and continuing to report unvalidated debt. \nSECTION 4 : THE DEBT HAS NEVER BEEN VALIDATED AND IS UNENFORCEABLE Under the FDCPA, 15 U.S.C. 1692g, when a consumer disputes a debt, the debt collector must obtain verification and mail it to the consumer. Courts have consistently held that verification requires proof that the debt collector has the legal right to enforce the debt. \n\nWhat has NOT been provided : Required Element Status Chain of title from origination to present Explicitly refused Proof of assignment from XXXX XXXX to XXXX  Not provided Securitization documents ( trust name, Indenture Trustee ) Not provided XXXX  numbers for any securitized tranches Not provided Verification that \" D.O.G.E. '' data glitch errors were corrected Not addressed Acknowledgment of XXXX  class status Ignored What HAS been provided : Master Promissory Note ( original contract from XXXX ) Payment history ( shows payment application, not ownership ) The XXXX XXXX XXXX case establishes that without proof of ownership, collection activity is unlawful. The XXXX XXXX held that securitization trusts are \" covered persons '' subject to CFPB enforcement and can not avoid responsibility. \nSECTION 5 : MY XXXX  CLASS STATUS MAKES REPORTING INAPPROPRIATE I have been confirmed by PPSL as a \" XXXX  Post-Class Applicant. '' My Borrower Defense application is part of a federal class action settlement with court-ordered deadlines. \n\nPost-class applicants ( those who applied between XX/XX/XXXX, and XX/XX/XXXX ) were required to receive decisions by XX/XX/XXXX. The court rejected the Department of Education 's attempt to extend this deadline. \n\nLegal significance : My loans are under active federal adjudication The Department of Education has acknowledged these loans may qualify for discharge Reporting this debt as \" accurate '' during this review is premature and prejudicial MOHELA 's response completely ignores my Sweet status, despite my prior submissions documenting it. \nSECTION 6 : DAMAGES FROM YEARS OF CREDIT HARM The collective failures of XXXX, XXXX, and MOHELA have caused years of tangible harm : Harm Category Description Credit Scores Depressed scores due to reporting of unvalidated debt Housing Opportunities Difficulty securing rental housing Employment Potential adverse impact on job opportunities Interest Rates Higher rates on any credit obtained Emotional Distress Years of stress fighting unvalidated debt Time and Resources Countless hours spent on complaints and research The XXXX XXXX XXXX XXXX XXXX resulted in {$2.00} million in redress to harmed borrowers. A separate action against the Trusts and PHEAA required nearly {$3.00} million in redress and {$2.00} million in civil penalties. The same standards should apply here. \nRELIEF REQUESTED I respectfully request that the CFPB take the following actions : # Request 1 Investigate whether XXXX, XXXX, and MOHELA are collecting on debts they can not prove they own, in violation of the standards established in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Order Navient to provide full chain of title documentation, including all assignments from XXXX XXXX to XXXX to any securitization trusts 3 Order Navient to provide the name of any trust holding my loans, the XXXX  XXXX, and XXXX  numbers for any securitized tranches 4 Order all three entities to immediately cease all collection and credit reporting activities until full validation is provided 5 Order all three entities to delete all trade lines associated with this account from my credit reports if validation is not provided within 15 days 6 Order financial restitution for years of credit harm caused by reporting on unvalidated debt 7 Impose civil penalties for willful violations of the FDCPA and FCRA, consistent with the penalties imposed on the XXXX XXXX XXXX and PHEAA NOTICE OF INTENT TO PURSUE ARBITRATION AND LITIGATION As previously noticed, if this matter is not resolved through the CFPB, I will : Proceed with arbitration against XXXX under the arbitration clause in my promissory note. Case law establishes that XXXX 's arbitration clauses are enforceable and cover FCRA and FDCPA claims. \n\nFile complaints with the FTC and Nevada Attorney General. \n\nPursue a private right of action under the FDCPA and FCRA for damages, including emotional distress. \n\nThe XXXX v. Educational Credit Management Corporation case demonstrates that borrowers can and do pursue claims against student loan entities for improper reporting and collection activities. \nSUPPORTING DOCUMENTATION ATTACHED CERTIFICATION I certify that the information in this complaint is true and correct to the best of my knowledge. \n\nSincerely, XXXX XXXX Without Prejudice | UCC 1-308","date_sent_to_company":"2026-03-03T16:58:11.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"897XX","tags":null,"has_narrative":true,"complaint_id":"19932139","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2026-03-03T16:49:51.000Z","state":"NV","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["SECTION 3 : MOHELA 'S HISTORY OF SERVICING FAILURES <em>MAKES</em> THEIR RESPONSE <em>SUSPECT</em> Senator XXXX XXXX and XXXX other Senators sent a letter to XXXX in XX/XX/XXXX specifically warning about MOHELA 's unfitness to handle these loans."]},"sort":[6.356274,"19932139"]},{"_index":"complaint-public-v1","_id":"5800249","_score":5.643059,"_source":{"product":"Mortgage","complaint_what_happened":"This letter is an official complaint against Midland Mortgage ( MidFirst Bank ). Midland Mortgage acquired my loan from XXXX XXXX Mortgage in XXXX of XXXX. I never missed nor was I ever late on my payments with XXXX XXXX until Covid-19. I lost my job, was in a waiting period for social security benefits to start, was abandoned by my wife, and had very little income. \nXXXX XXXX had already approved me for a XXXX Loan Modification that would lower my interest rate and monthly payment substantially ( from 5.125 % interest rate to 3.125-payment from {$1700.00} to {$1400.00} ) and put the past due amount owed on the loan in a junior lien to be paid at the end of the loan. Through my efforts over the past year to receive that Covid-19 Loan Modification approved by the previous lender ( XXXX XXXX ) XXXX I have had numerous problems dealing with Midland Mortgage XXXX \nI received a letter from Midland Mortgage on XX/XX/XXXX that all payments on the loan would be paid to them because they had acquired the loan from XXXX XXXX. \nI called Midland and explained that I had been approved for the Covid-19 Loan Modification from XXXX XXXX. ( By the way-every time you Midland Mortgage you have to start from scratch and tell the new operator your entire story and they never seem to understand all that has happened with your case, so you have to try to explain it all again to a new operator. This happens every time you call them ). I was told that the Covid-19 Modification approved by XXXX XXXX would be honored with the 3.124 % interest rate and the lower payment of {$1400.00} but they would have to request all the paperwork from XXXX XXXX Mortgage XXXX It took nearly a month for them to receive the documents and after not hearing from them I called again ( explained the entire story to a new operator ) and they informed me that the documents from XXXX XXXX were not complete. \nProblem # 1 -Problems with Documents - They informed me that the documents approved by one lender ( XXXX XXXX XXXX were not sufficient for Midland Mortgage XXXX They told me that the documents lacked a witness on the original notarized papers so they would have to be re-submitted with a witness. They told me that an addendum to the originals would be sufficient, and they would send it to me to get notarized with a witness. No addendum was sent. Instead of an addendum they sent me all new forms, so I had to start the whole process over again and get all the documents witnessed and notarized again. My wife, who was also on the loan, was living in another state so the process took about three weeks to complete. Time was beginning to become an issue because there was already talk of interest rates were going to rise and I had no assurance they would give me the lower interest rate I had already been approved for with XXXX XXXX. Through my many conversations with Midland Mortgage they told me that the current payments were optional until all the paperwork was in order, but that advice was misinformation on their part. I got monthly statements saying I owed over {$11000.00}, then {$14000.00} then {$16000.00} but when I asked Midland Mortgage operators, they told me those were computer generated and that the majority of those charges would be put on the junior lien to be paid at the end of the loan.\n\nMy frustration with Midland Mortgage started to grow at this point and I was beginning to think that they would stretch out the whole process so that they original Covid-19 Modification would somehow be rejected, and it which turns out my suspicions were true. What started out as an online application turned into a lengthy process with Midland taking an unreasonable amount of time to process because of forms having to be mailed back and forth and it seemed to take forever to get anything done ( weeks at a time ). \nI submit all new forms with required witnesses, and it would be 2 more weeks for a response. \nIn the midst of all this, my wife and I were going through a divorce and as part of the divorce settlement she deeded the property over to me. \nProblem # 2 Quit Claim Deed and Divorce- Since my wife and I officially divorced I wanted to get the loan strictly in my name, so I sent the divorce decree and a quit claim deed signed by her that deeded the property to me as part of the divorce settlement, with a request to drop her from the loan.\n\nMidland screwed up again. THEY DROPPED ME FROM THE LOAN INSTEAD OF HER. I called Midland again ( one of many calls to a new operator and I had to explained again they had made another mistake ). After about two weeks they finally dropped her from the loan, and I am now the only one on the mortgage finally. \nAgain, I suspected that Midland Mortgage was slowing the process for the Covid-19 Modification so they would not have to honor the previous modification approved by XXXX XXXX. \nProblem # 3-Deliquent payments on loan modification agreement XXXX XX/XX/XXXX, they told me that since the original loan modification was approved in XXXX I had to be up to date with payments from XXXX to XXXX but they never told me that on the phone previously. They said the paperwork was being processed and payments were not an issue until the approval had been completed. Since Midland has a vast number of operators who answer the phone the problem is that they dont tell you all the important issues about your modification until it is too late. \nThey told me in XXXX that I had to get all my payments up to date by a certain date or the original modification from XXXX XXXX would not be honored. \nI tried to get the payments up to date but missed the deadline by one payment and by a few days and the latest thing from them is that the original Covid-19 Modification was no longer active, and I would have to re-apply.\n\nThis is very unfair and unprofessional since Midland Mortgage literally dragged out this process for months and months causing me to miss deadlines that were told to me at the last minute and only when I called them about the modification progress. This has made the possibility of getting Covid-19 relief even more of a financial hardship and of course I will not get the lower interest rate and lower payment that I had been approved for while with XXXX XXXX. \nProblem # 4-Not getting the original interest rate or payment approved by previous lender. I have reapplied and am waiting to hear from them about the modification. Since interest rates have already risen and I have been denied the modification I feel certain that Midland Mortgage will not give me the lower interest rate of 3.125 plus a payment adjustment from {$1700.00} to {$1400.00}. This is unacceptable and I am writing this complaint because I feel they have denied me of my rights to the Covid-19 modification. Why are mortgage companies allowed to treat consumers this way? What can I do about this? \nProblem # 5-I have been discriminated against. I feel that Midland Mortgage has purposely discriminated against me, for over a year and has willfully slowed the process down so much that they have denied me the chance to get the original modification approved by XXXX XXXX which was supposed to help me financially. I am divorced ( which lowered my income ), am of retirement age and on a fixed income, am struggling financially, and work a part time job driving for XXXX to make ends meet. \nSummary- I have researched complaints against Midland Mortgage and there are many. I have read many of the complaints and they list some of the exact same problems as I have had. Taking too much time to process documents, making blatant mistakes on loan specifications, different operators who tell you contradicting information about loan guidelines, and not telling consumers the full truth about their polices. It seems to me that this company is very unethical and bordering on the unlawful with some of their tactics in regard to loan management. What can I do? Midland Mortgage is making it impossible for me to get back on track regarding my mortgage. They have misled me, misinformed me, and discriminated against me regarding my Covid-19 Loan Modification program.\n\nIf I had money, which I dont, I would pursue a lawsuit against them. Since I am struggling financially the only thing I can do is reach out and file complaints to government agencies to see if anything can be done. \nAre there any other organizations I can contact my complaints against this company? \nHow can a company operate this way and continue to treat consumers this way? \nSince Midland Mortgage has made such a mess of my modification, I am going to pursue other mortgage companies as soon as I am able, but with my current situation I am not sure I can get approval considering my financial condition. \nIs there some place I can get counseling or help with my problem?","date_sent_to_company":"2022-08-04T14:55:22.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"30507","tags":"Older American","has_narrative":true,"complaint_id":"5800249","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MIDFIRST BANK","date_received":"2022-07-22T17:12:39.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["In the midst of all this, my wife and I were going through a divorce and as part of the divorce <em>settlement</em> she deeded the property over to me. \nProblem # 2 Quit Claim Deed and Divorce- Since my wife and I officially divorced I wanted to get the loan strictly in my name, so I sent the divorce decree and a quit claim deed signed by her that deeded the property to me as part of the divorce <em>settlement</em>, with a request to drop her from the loan.\n\nMidland screwed up again."]},"sort":[5.643059,"5800249"]},{"_index":"complaint-public-v1","_id":"12078940","_score":5.501876,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Purchase ID : _________________________________________________________________________ Name : _ _______________________________________________________________________________ Address : ____________________________________________________________________________ Address Secondary : ________________________________________________________________ City : _________________________________________________________________________________ State : _ _______________________________________________________________________________ Year : _________________________________________________________________________________ Make : ________________________________________________________________________________ Model : _ ______________________________________________________________________________ VIN : _________________________________________________________________________________ Odometer at Return : ________________________________________________________________ Stock # : _____________________________________________________________________________ Zip : __________________________________________________________________________________ By signing below you ( You ) agree to return the vehicle listed above ( the Vehicle ) and agree to terminate the Retail Purchase Agreement ( in Texas, the Buyers Order ) and Retail Installment Contract ( in California, the Conditional Sales Contract ) executed in connection with the purchase of the Vehicle ( collectively, the Contracts ). \nNotwithstanding the foregoing, the arbitration agreement and Vehicle Purchase Agreement entered into between XXXX and XXXX survives the termination of the Contracts and remains in full force and effect. \nRepresentations and Warranties : By signing below, You also represent and warrant as follows : 1. The Vehicle is free of all liens and encumbrances other than the lien created by any retail installment contract or other finance agreement executed by You in connection with the purchase of the Vehicle ; 2. The Vehicle is in the same condition You received it except for reasonable wear and tear ( evidence of smoking in the Vehicle is not considered reasonable wear and tear ) ; and XXXX. The Vehicle is without damage or having been in an accident or collision that occurred after You took delivery of the Vehicle. \nIf You are returning the Vehicle pursuant to XXXX Vehicle Return Program, then, in addition to the above representations and warranties, You further represent and warrant that You have fulfilled and/or agreed to all the conditions on participating in the XXXX Vehicle Return Program, which are set forth in the Retail Purchase Agreement ( in Texas, XXXX Buyers Order ) and expressly incorporated herein, including, among other things, that : XXXX. If the Vehicle is driven more than XXXX miles, at XXXX election You will pay {$1.00} per mile the Vehicle was driven over XXXX XXXX XXXX Mileage Fees ). \nXXXX. Mileage Fees may not be paid by personal check, and Mileage Fees may be deducted from any down payment refund. If You paid your down payment via ACH transaction, we will pay You only after You provide evidence satisfactory to us that the ACH transaction has cleared. \nXXXX. If You paid XXXX an upfront nonrefundable shipping charge, then in accordance with your Retail Purchase Agreement the upfront nonrefundable shipping charge will not be returned to You.\n\nTransfer of Title ; Duty to Cooperate : You agree as follows : 1. To cooperate with XXXX to terminate the Contracts, and to take further action requested by XXXX to effectuate the termination and return of the Vehicle, including by executing documents requested by XXXX to transfer title of the Vehicle and to ensure that such is in similar condition as it was prior to your purchase of the Vehicle. \n2. That by signing below You appoint XXXX as attorney-in-fact to complete all documents necessary to transfer and disclose the mileage on the title for the Vehicle. \nDefault : Except as may be prohibited by law, You will be in default if You breach any representation, warranty, or obligation set forth in this Vehicle Return Agreement.\n\nRemedies : If You are in default of this Vehicle Return Agreement, or otherwise fail to perform any of the terms contained herein, then we have all the remedies provided by law, equity, and this Vehicle Return Agreement, to the extent not prohibited by law. Those remedies include, among other things : 1. We may reject termination of the Contracts and require You to perform thereunder, including by satisfying any payment obligations contained therein ; 2. We may recover any and all damages we have incurred, including storage fees, lost profits, and consequential damages arising from our inability to resell the Vehicle ; and 3. We may deem the Vehicle to have been voluntarily surrendered to us. \nWaiver of Damages : Unless prohibited by law, You shall not be entitled to recover from Us any consequential, incidental, or punitive damages, damages to property, or damages for loss of use, loss of time, or loss of profits. \nIf the Vehicle is not eligible to be returned pursuant to XXXX Vehicle Return Program for any reason, including, but not limited to, ( 1 ) You have returned, exchanged, or swapped more than two prior vehicles to XXXX in connection with any retail purchase agreements or retail installment contracts associated with this Transaction, ( 2 ) You did not alert XXXX of your election to return the Vehicle by phone, text, email, or chat prior to XXXX XXXX XXXX XXXX XXXX calendar day after You took delivery of the Vehicle, ( 3 ) the Vehicle is not in the same condition You received it except for reasonable wear and tear, or ( 4 ) the Vehicle was in an accident or collision that occurred after You took delivery of it, then, in addition to the above representations and warranties, You further agree to release any claims you have against XXXX as set forth below : Conditional Release : In consideration of XXXX accepting the return of the Vehicle, which is not otherwise eligible to be returned pursuant to XXXX Vehicle Return Program, You promise to fully release and forever discharge Carvana and any of its subsidiaries, affiliates, agents, vendors, employees, or officers ( collectively XXXX Released Parties ), from all liability, claims, lawsuits, actions, charges, demands, judgments, costs, fees ( including attorneys fees ), or damages of any kind, whether present or future, known or unknown, legal, equitable XXXX or otherwise, which in any manner may arise out of or relate to ( a ) the Vehicle, ( b ) the Vehicles purchase, surrender, recovery, and/or repossession, and/or ( c ) any agreement between the Parties other than this Agreement. \nIf You reside in California, You additionally certify that You have read and understand the provisions of California Civil Code Section 1542, which states : A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party. You hereby expressly waive any and all rights under California Civil Code Section 1542 ( or any comparable provision of any state or federal law ). \nBy signing below, You agree to the terms of this Agreement. \nXXXX XXXX XXXX XXXX XXXXXXXX XXXX Buyer_________________________________________________________________ Co-Buyer_____________________________________________________________________________ Acknowledged by XXXX XXXX_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. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. \n15 U.S.C 1681 section 602 A. States I have the right to privacy.\n\n15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\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 privacy and confidentiality under 15 USC 1681. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. \n15 U.S.C 1681 section 602 A. States I have the right to privacy.\n\n15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\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.","date_sent_to_company":"2025-02-14T23:28:11.000Z","issue":"Struggling to pay your loan","sub_product":"Lease","zip_code":"06705","tags":null,"has_narrative":true,"complaint_id":"12078940","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2025-02-14T23:14:03.000Z","state":"CT","company_public_response":null,"sub_issue":"Problem after you declared or threatened to declare bankruptcy"},"highlight":{"complaint_what_happened":["If You reside in California, You additionally certify that You have read and understand the provisions of California Civil Code Section 1542, which states : A general release does not extend to claims that the creditor or releasing party does not know or <em>suspect</em> to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her <em>settlement</em> with the debtor or released party."]},"sort":[5.501876,"12078940"]},{"_index":"complaint-public-v1","_id":"8631463","_score":4.8095098,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Dear CFPB, I am filing a complaint against Wells Fargo because my son and I are victims of their internal bank fraud via Gaming Strategies. The Wells Fargo embezzlement/gaming strategies included Wells Fargo using my son and Is existing customer identities without our consent to open checking and savings, debit card, credit card, bill pay accounts, to make unauthorized transfers, unauthorized deposits, and unauthorized withdrawals via cash and via check fraud. As a result of these unlawful criminal and civil violations, $ XXXX {$300000.00} has been stolen/embezzled from our bank accounts. It is my understanding that this, XXXX, constitutes bank fraud, identity theft, and the falsification of bank records, and Wells Fargo is under a deferred prosecution agreement with the CFPB for these same actions. I have included extensive spreadsheetS detailing the theft that has occurred. \n\nThe embezzlement occurred via XXXX unneeded checking and saving accounts over a XXXX year period. XXXX of these accounts were opened by Wells Fargo under false pretenses, the use of high pressure sales tactics, and/or without consent. It is my understanding that this illegal misconduct stemmed from Wells Fargo practices between XXXX and XXXX of pressuring employees to meet unrealistic sales goals that led thousands of employees to provide millions of accounts or products to customers under false pretenses or without consent, often by creating false records, and/or misusing customers identities. Here is a quick look chart I created from what information Wells Fargo has provided and based on my assessment of my bank statements from XXXX XXXX XXXX : CALCULATION OF ATTACHED SPREADSHEETS BASED ON REVIEW OF STATEMENTS THAT ARE AVAILABLE : Date Account Name, Type, and Number Isolated Amount Total Known Amount Embezzled XXXX XXXX Embezzlement on Adult Account XXXX And Teen Savings XXXX {$240000.00} XXXX XXXX Embezzlement on Teen Account XXXX Unknown as the statements have not been provided by Wells Fargo XXXX XXXX Embezzlement on Teen Account XXXX {$13000.00} {$260000.00} XXXX XXXX Embezzlement on XXXX XXXX XXXX Business Account XXXX Unknown as the statements have not been provided by Wells Fargo XXXX XXXX Embezzlement on XXXX Real Estate XXXX XXXX Account XXXX Unknown as the statements have not been provided by Wells Fargo BACKGROUND : I originally only had a single checking account ending in XXXX which was authorized and needed. Unfortunately, I was pressured/encouraged to open XXXX additional unwanted and unneeded accounts in XXXX for my then, XXXX year old son, which was a Teen Checking ending in XXXX, and a Teen Savings account ending in XXXX. I did not need these accounts because I had very little disposable income as I was a school teacher, and my son was not yet a teenager. \n\nWells Fargo opened XXXX more unneeded business accounts under false pretenses. These accounts are identified as XXXX XXXX XXXX XXXX Account ending in XXXX and XXXX XXXX XXXX XXXX XXXX Account ending in XXXX, which totaled XXXX accounts. Unfortunately, I can not provide a firm open and close date regarding these accounts because Wells Fargo has refused to provide me with access to statements and records relating to both of these business accounts. I requested these records in person and via phone on XXXX or more occasions the latter part of XXXX and XX/XX/XXXX through present, but Wells Fargo has clearly chosen to conceal the records. In lieu of providing statements, Wells Fargo Executives have sent me several mediation requests. I have provided copies of these mediation requests, claim numbers, letters, and business cards of each Wells Fargo employee I have interacted with the attachments below. \n\nHERE IS A COMPREHENSIVE LIST OF ACCOUNTS : Wells Fargo Accounts Wells Fargo Account XXXX Status of Records and Statements Requested to Accurately Identify Bank Fraud Account XXXX XXXX XXXX XXXX Checking XXXX Originally denied XXXX statements by Wells Fargo online services , informed that they were destroyed, went into a branch, branch manager printed XXXX statements. False statements. \nAccount # XXXX XXXX XXXX Teen Checking XXXX Denied access to XXXX statements by Wells Fargo . WF stated records were unavailable. Can not confirm the amount of unauthorized transfers/withdrawals that occurred in this account. \nAccount # XXXX XXXX XXXX Teen Savings XXXX Bank Manager, XXXX XXXX, called into the WF Corporate Office and was redirected to the Tech Team because I could not access any withdrawal history, check history, or statements online regarding this account. Corporate office stated that this account is considered a GOALS savings account, and did not permit online access, which is how they were able to go under the radar when stealing my money. My retirement money, death benefit paid to my son and I, settlement monies, were deposited to this account. Wells Fargo refused to provide the account or statement history of this account. It is on the combined statement from XXXX accounts. \nAccount # XXXX XXXX XXXX XXXX XXXX Checking XXXX Wells Fargo has concealed all bank records regarding this account. This is one of the accounts where the majority of the embezzlement occurred. \nAccount # XXXX XXXX XXXX XXXX XXXX XXXX Checking XXXX Wells Fargo has concealed all bank records regarding this account. This is one of the accounts where the majority of the embezzlement occurred.\n\nAfter the opening of these five unnecessary accounts, the bank fraud began, on or around, XX/XX/XXXX and appears to have lasted until around Mid XXXX, when all of my monies were completely siphoned from all of our accounts. Wells Fargo began moving money to and from these XXXX accounts via unauthorized money transfers, unauthorized deposits, and unauthorized withdrawals in a practice known internally by Wells Fargo as simulated funding. Wells Fargo then forged my signature to withdraw money via DDAs and also wrote fraudulent checks in order to withdraw monies as well. I suspect that Wells Fargo may have opened additional accounts without authorization, created PINs to activate unauthorized debit cards, and opened bill pay products without authorization ; Thereby, stealing even more of my money via excessive or unauthorized junk fees that they were not entitled to. \n\nI also believe that Wells Fargo altered my true contact information to prevent me from learning of the unauthorized transfers, deposits, and withdrawals, and to also prevent Wells Fargo employees from reaching me in order to inform me of the bank fraud. The, Excess Usage, fees of {$15.00} were charged and placed on my sons Teen checking account during the embezzlement. According to Wells Fargo, these fees were incurred due to excessive withdrawals. This is clearly when Wells Fargo had a legal responsibility to contact me regarding the bank fraud. Please note that I never received any of the statements from the XXXX business accounts where a massive amount of my money was siphoned, where I also believe excessive junk fees were applied as well. These are likely the reasons Wells Fargo has continued to conceal the statements from both of these business accounts. Despite the potential knowledge of the illegal sales practices, and the theft due to the Senior leadership forcing these unauthorized transfers and withdrawals ; Wells Fargo Executives intentionally failed to take sufficient action to prevent the known bank fraud.\n\nI also believe Wells Fargos predatory identification of certain patrons as, vulnerable customers, was racially motivated, and based on the fact that I am an African-American, unmarried, single mother, over the age of XXXX, and identified as less apt to understand and review statements. As a single mother with a Teen Checking account, Wells Fargo was well aware that no other person had access to viewing my records. These factors clearly made my son and I prime targets for this type of theft. \n\nPlease note, I have provided proof of my visit to the branch on XXXX XXXX twice in XXXX and XXXX of XXXX, when the bank manager, and employees refused to turn off my debit card. This is exactly around the time the embezzlement i.e., XXXX, began. I spoke with XXXX XXXX, Bank XXXX, XXXX XXXX, Assistant Manager, and XXXX XXXX ( attached documentation of this visit ). I was experiencing multiple traumatic events during this time, which included : XXXX XXXX  at my job by XXXX XXXX over a XXXX year employment period, where I was terminated directly after I reported the harassment ( Documentation Attached ). Simultaneously, my son and I experienced a hate crime where we were being XXXX, an object was stuffed in the pipe of our car that could have resulted in death, and called XXXX ( Police report attached ). We moved to XXXX as a result of these forms of XXXX and XXXX XXXX As a result, I was also engaged in a XXXX year lawsuit with my former employer that began in XXXX and ended in XX/XX/XXXX. Thankfully, I was able to obtain new employment in XXXX. Unfortunately, I found out that my former employer was communicating with my new employer, and retaliatory harassment ensued, and I lost the second job in XXXX. This pattern continued. My XXXX also died during this time. As a result, I began seeing a XXXX  ( Document attached ). This is where the inhumane and vile embezzlement via the, Gaming Strategies, began by Wells Fargo. \n\nI withdrew money from my retirement account ( XXXX ), deposited into Wells Fargo in the amount of {$21000.00}. This was the first time I had the opportunity to no longer live from check to check, and had more than my bi-weekly salary. In XXXX of XXXX, my mother, who had never been hospitalized, died in a single day of a massive XXXX XXXX, and Wells Fargo continued to steal from my son and I via the death benefits my son and I received from XXXX ( XXXX XXXX XXXX ) in the amount of {$5000.00} each. The bank fraud continued when I received the {$60000.00} settlement in XXXX of XXXX, and each time I made a large deposit. Wells Fargo also stole the deposits via my tax returns over this XXXX year period, and they were also siphoning money from my bi-weekly salary during this span of time as well. Again, I have provided spread sheets for the theft that has occurred, copies of withdrawals not in my handwriting, and the Wells Fargo statements are attached that show the unauthorized transfers and withdrawals, etc. \n\nI realized that the embezzlement occurred in XXXX of XXXX when I found a check from XXXX from XXXX ( XXXX XXXX XXXX ), and knew that I was struggling financially after the date the check was deposited. This is what prompted me to request my bank statements from Wells Fargo. Wells Fargo refused to provide the statements from XXXX on both my sons teen account and my account ( XXXX & XXXX ) of which I still do not have. Wells Fargo did however provide statements from XXXX in an illogical/scrambled format, i.e, months and years were in random order. I decided to go into a branch and see if they would provide the XXXX statements for just my account since it was a combined statement. I was able to get the statements from a Wells Fargo branch, that Wells Fargo Executive Office stated were not available. This is when I realized that Wells Fargo was not going to be ethical in this process. I then went to a branch located on XXXX XXXX over XXXX times, and was assisted by the branch manager, XXXX XXXX, and branch Sales Representative, XXXX XXXX XXXX XXXX. I asked XXXX if I could email the scrambled statements to him because I could not read them properly as they were not in chronological order. XXXX printed all the statements for me over about XXXX pages. I also asked the manager, XXXX XXXX, to print the withdrawal slips on my sons Teen Savings account. She stated I should be able to review the information online, so I attempted to pull the information up ; it was not accessible. I returned to the branch the next day, and XXXX XXXX, bank manager, assisted me and stayed after her work hours to call the Executive office to see why I did not have online access ; they transferred us to the Wells Fargo IT Department. The Wells Fago IT professional stated that the Goals Savings Account does not have online access as an option, and I would have to change the savings account to a different type of savings account if I wanted access. I informed him that I did not want anything changed as this may have created spoliation of evidence. This was clearly one of the ways Wells Fargo concealed the theft from my detection. I then requested copies of the withdrawal slips for the life of the account, they were initially denied, then provided about a month later to this same branch, but my signature was blacked out. This is where the bank manager and I could see the clear forgery because the withdrawal slips were not my handwriting even though my signature was blacked out. I then went to another branch, to get a print out of one of the withdrawal slips ; ironically, the signature was not blacked out ( I have provided copies of all of this information in attached documents ). And, it was clear fraud had taken place, and Wells Fargo was attempting to conceal it instead of just doing what was right, which was refunding me my money that was embezzled. \n\nI then requested copies of the business account statements, where I also saw a lot of the unauthorized transfers being moved to. I was informed all I needed was the last XXXX numbers of these accounts because they were in my name in order to get access to these statements : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I provided the last XXXX numbers of these accounts to XXXX Wells Fargo employees, and was denied these account statements via in person and online ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is when Wells Fargo began sending me requests for Mediation. Wells Fargo clearly refused to provide full disclosure of all the documents and statements I needed in order to identify and calculate a firm number for the amount of money that was embezzled from me in order for the mediation to earnestly make me whole again. \n\nFrom Wells Fargo concealing and concealing bank records, and offers of mediation ; this was clearly not a problem of individual misconduct, this was malicious, willful, and intentional internal theft permitted by Wells Fargo Executive Team. Wells Fargo is also aware that they are legally obligated to maintain monitoring systems to identify suspicious transactions and promptly report them to the appropriate regulatory authorities, and to account owners. Wells Fargos failure to monitor and detect suspicious activity that resulted in my financial loss makes them responsible for my losses. Therefore, I am filing a formal complaint with the Consumer Protection Financial Bureau to get assistance with a bank that refuses to be honest, and simply refund all the money that I earned that was stolen from me by them, while in their possession.\n\nIn closing,, I have provided spread sheets for the embezzlement that has occurred, copies of withdrawal slips, checks, etc., not in my handwriting, and Wells Fargo statements are attached that show the numerous unauthorized transfers and unauthorized withdrawals, etc. These criminal and civil violations by Wells Fargo occurred during the most devastating times of my life. Wells Fargo actions are beyond vile and inhumane. They have robbed my son and I of the wealth that I earned from obtaining an education, from the death benefits left to my son and I after the death of my mother, my retirement account withdrawals, settlement monies paid to me from being XXXX XXXX, etc. The very reasons I acquired a portion of these monies was for being XXXX based on my XXXX, XXXX, and familial status, and ironically, these are the same exact reasons Wells Fargo targeted me for embezzlement. \n\nIt has been retraumatizing to complete this complaint. Wells Fargo should be held criminally and civilly liable, and even after the return of my monies ; they should also be forced to pay interest and damages to my son and I, as the physiological effects of this type of theft is irreparable. Thank you for your intervention in this matter. \n\nRegards, XXXX XXXX Enclosures Sources of Income and Wells Fargo Embezzlement : Date Source of Income/Deposit Isolated Amount Total Amount Total Amount Stolen Comments XXXX XXXX XXXX XXXX XXXX {$65000.00} times XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100000.00} Various amounts stolen by Wells Fargo XXXX XXXX about $ XXXX {$30000.00} ) Over the course of 5 years ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Withdrawals and Deposits {$21000.00} XXXX {$21000.00} Stolen by Wells Fargo XX/XX/XXXX Death Benefit from Mother after XXXX Death {$12000.00} XXXX {$33000.00} Stolen by Wells Fargo XX/XX/XXXX Settlement from XXXX XXXX {$60000.00} XXXX {$93.00}, XXXX Stolen by Wells Fargo XXXX Annual Tax Returns {$30000.00} XXXX {$120000.00} Stolen by Wells Fargo XX/XX/XXXX XXXX XXXX XXXX XXXX Texas Withdraws and Deposits {$12000.00} XXXX {$130000.00} Stolen by Wells Fargo XX/XX/XXXX XXXX XXXX XXXX XXXX Texas Withdrawals and Deposits {$13000.00} XXXX {$140000.00} Stolen by Wells Fargo","date_sent_to_company":"2024-03-26T20:49:33.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"77056","tags":"Servicemember","has_narrative":true,"complaint_id":"8631463","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-03-26T20:04:26.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["I <em>suspect</em> that Wells Fargo may have opened additional accounts without authorization, created PINs to activate unauthorized debit cards, and opened bill pay products without authorization ; Thereby, stealing even more of my money via excessive or unauthorized junk fees that they were not entitled to."]},"sort":[4.8095098,"8631463"]},{"_index":"complaint-public-v1","_id":"2931328","_score":4.0397043,"_source":{"product":"Mortgage","complaint_what_happened":"This is the only specialty of Ocwen. This is the only duplicate their lair rep mentions about. The send criminals to XXXX on your property stole your private property using forge documents, lying to clients, deceiving clients and if they see that this I not working they used death threats tactics in order to intimidate people. This criminal organization must close soon permanently. I get death treats from XXXX 18 to 28 per days. Since I am not scare of this criminal behavior as I discover some IP addresses of those criminals I will go to XXXX to file criminal charges and close the doors of those hate-Americans criminals forever. This is the only expertise this pirate mortgage company has. \nServiced loans using error-riddled information : Ocwen uses a proprietary system called XXXX to process and apply borrower payments, communicate payment information to borrowers, and maintain loan balance information. Ocwen allegedly loaded inaccurate and incomplete information into its XXXX  system. And even when data was accurate, XXXX  generated errors because of system failures and deficient programming. To manage this risk, Ocwen tried manual workarounds, but they often failed to correct inaccuracies and produced still more errors. Ocwen then used this faulty information to service borrowers loans. In XX/XX/XXXX, Ocwens head of servicing described its system as ridiculous and a train wreck. \nIllegally foreclosed on homeowners : Ocwen has long touted its ability to service and modify loans for troubled borrowers. But allegedly, Ocwen has failed to deliver required foreclosure protections. As a result, the Bureau alleges that Ocwen has wrongfully initiated foreclosure proceedings on at least 1,000 people, and has wrongfully held foreclosure sales. Among other illegal practices, Ocwen has initiated the foreclosure process before completing a review of borrowers loss mitigation applications. In other instances, Ocwen has asked borrowers to submit additional information within 30 days, but foreclosed on the borrowers before the deadline. Ocwen has also foreclosed on borrowers who were fulfilling their obligations under a loss mitigation agreement. \nFailed to credit borrowers payments : Ocwen has allegedly failed to appropriately credit payments made by numerous borrowers. Ocwen has also failed to send borrowers accurate periodic statements detailing the amount due, how payments were applied, total payments received, and other information. Ocwen has also failed to correct billing and payment errors. \nBotched escrow accounts : Ocwen manages escrow accounts for over 75 percent of the loans it services. Ocwen has allegedly botched basic tasks in managing these borrower accounts. Because of system breakdowns and an over-reliance on manually entering information, Ocwen has allegedly failed to conduct escrow analyses and sent some borrowers escrow statements late or not at all. Ocwen also allegedly failed to properly account for and apply payments by borrowers to address escrow shortages, such as changes in the account when property taxes go up. One result of this failure has been that some borrowers have paid inaccurate amounts. \nMishandled hazard insurance : If a servicer administers an escrow account for a borrower, a servicer must make timely insurance and/or tax payments on behalf of the borrower. Ocwen, however, has allegedly failed to make timely insurance payments to pay for borrowers home insurance premiums. Ocwens failures led to the lapse of homeowners insurance coverage for more than 10,000 borrowers. Some borrowers were pushed into force-placed insurance. \nBungled borrowers private mortgage insurance : Ocwen allegedly failed to cancel borrowers private mortgage insurance, or PMI, in a timely way, causing consumers to overpay. Generally, borrowers must purchase PMI when they obtain a mortgage with a down payment of less than 20 percent, or when they refinance their mortgage with less than 20 percent equity in their property. Servicers must end a borrowers requirement to pay PMI when the principal balance of the mortgage reaches 78 percent of the propertys original value. Since XX/XX/XXXX, Ocwen has failed to end borrowers PMI on time after learning information in its XXXX system was unreliable or missing altogether. Ocwen ultimately overcharged borrowers about {$1.00} XXXX for PMI premiums, and refunded this money only after the fact. \nDeceptively signed up and charged borrowers for add-on products : When servicing borrowers mortgage loans, Ocwen allegedly enrolled some consumers in add-on products through deceptive solicitations and without their consent. Ocwen then billed and collected payments from these consumers. \nFailed to assist heirs seeking foreclosure alternatives : Ocwen allegedly mishandled accounts for successors-in-interest, or heirs, to a deceased borrower. These consumers included widows, children, and other relatives. As a result, Ocwen failed to properly recognize individuals as heirs, and thereby denied assistance to help avoid foreclosure. In some instances, Ocwen foreclosed on individuals who may have been eligible to save these homes through a loan modification or other loss mitigation option. \nFailed to adequately investigate and respond to borrower complaints : If an error is made in the servicing of a mortgage loan, a servicer must generally either correct the error identified by the borrower, called a notice of error, or investigate the alleged error. Since XX/XX/XXXX, Ocwen has allegedly routinely failed to properly acknowledge and investigate complaints, or make necessary corrections. Ocwen changed its policy in XX/XX/XXXX to address the difficulty its call center had in recognizing and escalating complaints, but these changes fell short. Under its new policy, borrowers still have to complain at least five times in nine days before Ocwen automatically escalates their complaint to be resolved. Since XX/XX/XXXX, Ocwen has received more than 580,000 notices of error and complaints from more than 300,000 different borrowers. \nFailed to provide complete and accurate loan information to new servicers : Ocwen has allegedly failed to include complete and accurate borrower information when it sold its rights to service thousands of loans to new mortgage servicers. This has hampered the new servicers efforts to comply with laws and investor guidelines. \nOperations Targeted Financially Distressed Consumers in Danger of Losing Their Homes XXXX XXXX The Consumer Financial Protection Bureau today announced actions to halt two alleged mortgage loan modification scams it believes ripped-off thousands of struggling homeowners across the country. In total, these operations took in more than {$10.00} XXXX by charging consumers for services that falsely promised to prevent foreclosures or renegotiate troubled mortgages. \nWe are taking on schemes that prey on consumers who are struggling to pay their mortgages or facing foreclosure, said CFPB Director XXXX XXXX. We are especially concerned with those who misrepresent government programs or websites to divert distressed homeowners from needed assistance. \nAt the request of the CFPB, U.S. District Court Judges in the State of XXXX have ordered a halt to both operations, the XXXX Law Firm and the National Legal Help Center, and frozen their assets while the CFPB moves forward with the cases. The case involving the National Legal Help Center was initially referred to the CFPB by the Office of the Special Inspector General for the Troubled Asset Relief Program ( SIGTARP ) and Treasurys Office of Financial Stability, which have coordinated closely with the Bureau throughout the investigation. \nIt is absolutely unacceptable for unscrupulous con artists to take advantage of our nations housing crisis by targeting homeowners looking for help from TARPs Home Affordable Modification Program, said XXXX XXXX, Special Inspector General for TARP ( SIGTARP ). We thank the CFPB for protecting homeowners. SIGTARP will continue to stop these scams and educate homeowners that mortgage modifications through HAMP are free. \nThe CFPB is targeting loan modification operations that attempt to disguise their false promises of relief for struggling homeowners with claims that they are performing legal work or are a law firm. The Bureau is also particularly concerned with schemes that attract victims with false claims that they are endorsed by or represent the government. These tactics are used by mortgage relief scams to attract victims, add credibility to their schemes, or exploit certain legal exemptions for the practice of law. \nThe CFPB complaints allege that the defendants in both cases violated the Dodd-Frank Act and Regulation O, formerly known as the Mortgage Assistance Relief Services Rule. These laws prohibit unfair, deceptive, or abusive acts or practices and protect distressed homeowners from mortgage relief scams. \nViolations of the law alleged in the CFPBs complaints in both cases include : Illegally charged large upfront fees : It is against the law for mortgage relief providers to charge fees before services are provided. However, the defendants in both cases collected fees early on, typically ranging between {$1000.00} and {$4500.00} from each distressed homeowner, for services that rarely if ever materialized. \nDeceptively claimed to be affiliated with government agencies and/or programs : Defendants in both cases used deceptive language and mailings with government logos, letterhead, and/or marks to mislead consumers into believing that their mortgage relief services were sponsored by or associated with government agencies or programs. \nMisrepresented that they would secure loan modifications for consumers : Defendants misled consumers that the defendants were experienced negotiators who would substantially reduce mortgage payments, and that defendants would identify legal violations by consumers banks or mortgage companies to use as leverage in loan modification negotiations. However, it appears that defendants failed to provide meaningful relief for consumers. \nInstructed consumers to stop paying their mortgages and stop contacting their lenders : Financially distressed consumers were told to avoid interactions with their lenders and to stop mortgage payments because the defendants would provide relief, potentially putting the consumers unknowingly at risk of losing their homes and/or ruining their credit scores. \nThe CFPB also alleges that, after pocketing thousands of dollars in illegal fees from one distressed homeowner after another, the defendants in both cases typically stopped returning consumers phone calls and emails. In the end, many consumers learned that the defendants had not contacted their lenders or obtained any meaningful relief for them. Ultimately, homeowners across the country lost thousands of dollars each and suffered significant economic injury, including losing their homes. \nNational Legal Help Center The more recent of the two actions involves XXXX   residents XXXX XXXX and XXXX XXXX XXXX and their operation, National Legal Help Center, which appears to target consumers in all 50 states with false promises of mortgage relief. According to the CFPB, National Legal Help Center falsely claimed that they would provide legal representation for consumers even though the individual defendants are not attorneys and consumers received no actual legal representation. \nDefendants falsely claimed that, for a fee, they could assist consumers in getting benefits from government-affiliated programs, including the recent nationwide mortgage servicing settlement between state attorneys general and the federal government, and the five largest mortgage servicers. Defendants also falsely claimed that they were associated with the Independent Foreclosure Review program overseen by the Office of the Comptroller of the Currency ( OCC ) and the Federal Reserve. In reality, the defendants were not affiliated with either of the programs or in a position to provide the promised benefits to consumers. In fact, on XX/XX/XXXX, the OCC issued an alert on its website about this scam. \nThis is the trophy activity of Ocwen In one case, a former in-home caregiver and her husband who were indicted in XXXX  for allegedly defrauding an elderly veteran with XXXX out of about {$180000.00}. More charges are expected, and police say the couple took about {$500000.00} from the XXXX-year-old man. \nIn another case, a handyman convinced an elderly woman to give him power of attorney. He took out a reverse mortgage on the home which the woman had owned since the XX/XX/XXXX, and she never saw any of the money. She almost lost her home due to the scam. \nWe also heard a troubling story about how the CEO and CFO of a XXXX investment firm were charged with 66 felony counts of elder abuse, securities fraud, and conspiracy for bilking older investors of more than {$2.00} XXXX over an eight-year period. \nThe Government Accountability Office report on combatting elder financial abuse identified cases that are particularly thorny for social service, criminal justice, and consumer protection agencies. These cases involve exploitation by in-home caregivers, agents with power of attorney, and financial service providersexactly the kinds of cases mentioned above. These cases also demonstrate why family members or others who have close contact with older adults can play an important role in spotting and preventing elder financial abuse and exploitation. \nAt the inaugural meeting of the Elder Justice Coordinating Council last fall, we heard concerns that echo what the XXXX reported. We shared those concerns with Congress shortly after the report came out. We also detailed the work our Office for Older Americans is doing to combat some of these problems. We are : Developing guides for family members and others with legal authority to handle money for older relatives or friends, but who may not have formal training. The guides will help people understand proper record keeping, good frameworks for investing, and other basics of managing a vulnerable adults money. They also will help people recognize and respond to financial exploitation. \nProducing a guide for people who operate group living centers dedicated to serving older adults, such as XXXX XXXX or XXXX XXXX XXXX. We are also establishing partnerships with organizations to help distribute this information. \nPartnering with the FDIC to create XXXX XXXX for Older Adults, a community education and training program for older adults and for caregivers. \nCoordinating with stakeholders in several states to create and sustain multi-disciplinary older American protection networks. We are also developing strategies to communicate that the Gramm-Leach-Bliley Act generally does not prohibit companies from reporting suspected elder financial exploitation. For many of them, this is often a point of confusion.\n\nThe Bureau also alleges that Ocwen has failed to remediate borrowers for the harm it has caused, including the problems it has created for struggling borrowers who were in default on their loans or who had filed for bankruptcy. For these groups of borrowers, Ocwens servicing errors have been particularly costly. \nThrough its complaint, filed in federal district court for the XXXX District of XXXX, the CFPB seeks a court order requiring Ocwen to follow mortgage servicing law, provide relief for consumers, and pay penalties. The complaint is not a finding or ruling that the defendants have actually violated the law. \nThe lawsuit is available at : XXXX XXXX XXXXXXXX The Bureau also alleges that Ocwen has failed to remediate borrowers for the harm it has caused, including the problems it has created for struggling borrowers who were in default on their loans or who had filed for bankruptcy. For these groups of borrowers, Ocwens servicing errors have been particularly costly. \nThrough its complaint, filed in federal district court for the XXXX District of XXXX, the CFPB seeks a court order requiring Ocwen to follow mortgage servicing law, provide relief for consumers, and pay penalties. The complaint is not a finding or ruling that the defendants have actually violated the law. \n\nOperations Targeted Financially Distressed Consumers in Danger of Losing Their Homes XXXX XXXX. The Consumer Financial Protection Bureau today announced actions to halt two alleged mortgage loan modification scams it believes ripped-off thousands of struggling homeowners across the country. In total, these operations took in more than {$10.00} XXXX by charging consumers for services that falsely promised to prevent foreclosures or renegotiate troubled mortgages. \nWe are going to have 150,000 demonstrating in XXXX against those criminal activity of Ocwen After it the doors of this filthy pirate mortgage company will be close permanently This is the prce for this {$100000.00} property stolen temporary from me. In XX/XX/XXXXand XX/XX/XXXX and XX/XX/XXXX in order to intimidate me they put XXXX criminals to call me 15-20 a day, making even death threats or claiming they are from US Gov. Grants Dept. or from IRS or from Justice Dept. or even FBI or Police Dept. I suspect that a low-level clerk XXXX XXXX from XXXX XXXX  is directly responsible for organizing this XX/XX/XXXX looting perform by XXXX since Ocwen and XXXX was the only Institution informed about my trip to XXXX and this action was in ravage to my opposition to their fraudulent and criminal activity. Low level Ocwen clerk XXXX XXXX from XXXX XXXX  and the low lever worker XXXX from XXXX knew I will be in XXXX ( documenting Ocwens and XXXX forge documents ) informed XXXX  that used XXXX, that used looter XXXX XXXX to loot, vandalize destroy my property in XX/XX/XXXX. Again in a top secret close door knowing that I will not be home to protect from such a criminal attack","date_sent_to_company":"2018-06-09T15:54:08.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"11375","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2931328","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2018-06-09T15:44:09.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Mishandled hazard insurance : If a servicer administers an escrow account for a borrower, a servicer must <em>make</em> timely insurance and/or tax payments on behalf of the borrower. Ocwen, however, has allegedly failed to <em>make</em> timely insurance payments to pay for borrowers home insurance premiums. Ocwens failures led to the lapse of homeowners insurance coverage for more than 10,000 borrowers. Some borrowers were pushed into force-placed insurance."]},"sort":[4.0397043,"2931328"]},{"_index":"complaint-public-v1","_id":"6924689","_score":3.9373755,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"They are reporting negative or late payments. All 3 credit bureaus including XXXX XXXX showing my credit line amounts. Skip to content XXXX XXXX XXXX XXXX XXXX Login In Search XXXX Call Today : ( XXXX ) XXXX Fair Credit Reporting Act : Common Violations and Your Rights Updated : XX/XX/XXXX | XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How to Increase Credit Score Fair Credit Reporting Act : Common Violations and Your Rights A consumers financial future can rise and fall on whats in their credit report so keeping a close eye on the contents should be important to everyone. Credit reports are used to decide who gets a loan, a credit card, a job, or even an apartment to rent, so few things are more crucial than having a credit report free of errors. \n\nStill, credit report errors are made, and the consequences can be devastating. Thats why its vital to look at your credit report at least once a year and make sure all the information in it, is accurate. Federal law allows you to get a free credit report from each of the three major reporting bureaus by signing up at XXXX. \n\nThe Fair Credit Reporting Act of 1970 Recognizing the life-altering power of credit information, Congress adopted the Fair Credit Reporting Act ( FCRA ) in 1970 to protect consumers and regulate how credit information is used and disseminated. The law gives consumers the right to know whats in their credit reports and free access to the information credit rating agencies use to assign credit scores. \n\nThe FCRA also requires that anyone who denies a person credit, insurance or employment because of what is in their credit report, tell you where they got the information and how to contact the issuer. \n\nThe Federal Trade Commission enforces the FCRA. The Dodd-Frank Act transferred most of the rulemaking responsibilities to the Consumer Financial Protection Bureau , but the FTC still retains enforcement authority.\n\nThe nations three largest credit reporting agencies Equifax, XXXX and XXXX are required by law to do everything in their power to accurately gather and report consumer information. Together, they keep files on more than 200 million Americans and issue more than three billion reports a year.\n\nGiven the volume of information, its inevitable that errors occur. The FCRA gives consumers the means to detect inaccuracies in their reports and file complaints. It also requires reporting agencies to investigate and correct bogus information. \n\nMistakes are often clerical, but sometimes theyre the result of old information reported as current. XXXX XXXX XXXX XXXXXXXX reported the troubles of a Mississippi woman whose {$40000.00} second-mortgage debt was discharged through a bankruptcy filing in XXXX. But four years later, the debt appeared on her report as unpaid. She tried repeatedly to get the error removed, but it took intervention from Mississippis attorney general to have her report corrected. \n\nCases like that are common. State attorneys investigate FCRA complaints and many have consumer information on their web pages to let people know what their rights are and the steps to take if they uncover erroneous information. \n\nCommon violations of the FCRA include : Failure to update reports after completion of bankruptcy is just one example. Agencies might also report old debts as new and report a financial account as active when it was closed by the consumer. \nCreditors give reporting agencies inaccurate financial information about you. \nReporting agencies mixing up one persons information with anothers because of similar ( or same ) name or social security number. \nAgencies fail to follow guidelines for handling disputes. \nPulling your report for an impermissible purpose. For instance, viewing a credit report to determine if you have assets before filing certain kinds of lawsuits. \nFailing to send you notifications about your credit report or score in violation of the FCRA. \nReporting agencies providing information to unauthorized persons or businesses. \nNot all FCRA actions are the result of errors or poorly maintained files. For example, the XXXX XXXX XXXX reported about a data broker that agreed to pay {$800000.00} in a settlement with the Federal Trade Commission for allegations he illegally sold personal information to human resources, background screening and recruiting companies. \n\nYour Rights Under the Fair Credit Reporting Act If youre turned down for credit or have some other reason to suspect that a credit report might have erroneously damaged you, get the name of the national credit agency that provided the report. A landlord who turned you down for bad credit or a bank that denied you a credit card will tell you which agency issued the report. \n\nNext, contact the agency and request a copy of the report. Keep in mind that if the report contains incorrect information, other agencies could be using the same information in their reports. The agency that provided the information must supply you with its report within 30 days of the denial for free. Otherwise, it can charge a fee to see a report. \n\nIf you find inaccurate or outdated information, notify the credit reporting agency in writing, explaining the error and demanding that it be immediately corrected. If the agency investigates and does nothing, and if you are still sure the report contains errors, contact the Federal Trade Commission or the state attorney generals office nearest you. \n\nIts important to know your rights under the Fair Credit Reporting Act : You have a right to know whats in your file. Contact the credit-rating agency that issued a report that was used to deny you credit, housing or employment. Youre entitled to a free report for any of these reasons : Information was used against you ; you are a victim of identity theft and place a fraud alert on your file ; your file contains inaccurate information that resulted from fraud ; youre on public assistance or you have been unemployed but expect to apply for work within 60 days. \nIf you have been the victim of identity theft, you are entitled to ask businesses for a copy of transaction records relating to the theft of your identity. For example, loan or credit card applications. You also may authorize law enforcement agencies to request the information. Businesses must provide it within 30 days of receiving the request. Some companies are reluctant to release this information claiming it is proprietary information or that they are protecting the consumer. However, the FCRA states that businesses are required to provide applications and business transaction records to help victims document fraudulent charges. The FTC outlines the obligations for businesses here. \nYou have a right to ask for your credit score. Credit reporting agencies provide these. In some instances, mortgage lenders will tell you your score when you apply for a loan. Also, some credit card issuers now include up-to-date scores in their monthly statements. \nYou have a right to dispute incomplete or inaccurate information in your report. \nCredit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. \nReporting agencies must not disseminate outdated negative information. \nInformation in your file is limited to those with a valid need for it. \nYou must give written consent for credit agencies to send your credit report to employers. \nIf your rights have been violated under the FCRA, you are entitled to seek actual or statutory damages, recover attorneys fees and court costs and request punitive damages. \n\nFair Credit Reporting Act Violations There are several common violations of the Fair Credit Reporting Act, involving both the thousands of companies reporting information and the three major bureaus taking the information and assigning it to your credit report. \n\nSome of the common violations include : Furnishing and Reporting Old Information When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur? \n\nReporting a debt as charged off, when it was settled or paid off. \nReporting late payments when your payments were timely. \nReporting old debts as new ones. \nReporting that an account was active after it was voluntarily closed by a consumer. \nFailure to report that a debt was discharged in bankruptcy. \nReporting information that is more than XXXX years old ( when XXXX XXXX bankruptcy notices should lapse ) or XXXX years old ( XXXX  XXXX bankruptcy ). \nInaccurate statement of balance due. \nFailing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ). \nMixing Files Mixing files with someone else who has similar background information ( sometimes as careless as failing to distinguish the Jr. and Sr. in similar surnames ). \n\nDebt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. Sometimes, agencies fall short in these areas. \n\nDebt Dispute Violations for Creditors Creditors are obligated to note every disputed debt and submit corrected information, stop submitting incorrect information when it has been reported, conduct an internal investigation of disputes within 30 days and provide a reasonable procedure to submit a written dispute or report of identity theft. \n\nPrivacy Violations Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, such as determining if you are collectible in a lawsuit, an employer pulling the report without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial activity. \n\nWithholding Notices You must be given notice on the reporting, handling and use of your credit information. Violations could include : A creditor failing to notify you when it supplies negative credit information. \nA user of credit information ( prospective employer or lender ) failing to notify you of a negative decision based upon your credit report. Or that user of credit information refusing to identify the source of credit information it obtained about you. \nA creditor failing to provide your credit score if it was used as part of any credit decision. \nA creditor failing to notify you of your right to obtain a free credit report. \nIts important to be educated and know your Fair Credit Reporting Act rights. \n\nRecovering Damages for FCRA Violations The information covered under the Fair Credit Reporting Act is so critical to the financial health of an individual that when violations of the FCRA occur, the victim can file suit and collect for damages. \n\nThe extent to which a victim can be compensated depends largely on whether the violation was willful or negligent. The parties responsible for possible violations include credit reporting agencies, businesses furnishing the information to credit agencies or someone using information off the credit report to make a decision about a job, or housing. \n\nWillful FCRA Violations These are the more serious violations and more highly compensated because it means the agency, business or individual was aware their actions would cause harm to you, but went ahead and did them anyway. \n\nThe types of damages that can be compensated here include : Actual damages. These are damages that can be proved because of harm caused by an action or failure to act by the agency, business or individual. There is no limit to how high an award can be. \nStatutory damages. These are damages that dont require proof, but the compensation is limited to somewhere between {$100.00} and {$1000.00}. \nPunitive damages. These are awarded to punish an agency, business or individual and deter them from violating the FCRA again. There is no limit on how much can be awarded. \nAttorney fees and court costs. You can have the cost of litigating the matter covered if you win your case. \nNegligent FCRA Violations When an agency, business or individual fails to exercise proper care or takes action that a reasonable person would not with regard to your credit information, that is negligent behavior and money damages can result. \n\nThe types of damages available are the same as with willful violations, namely actual damages ( no limit ) ; statutory damages ( usually between {$100.00} and {$1000.00} ) ; punitive damages ( no limit ) and attorney fees and court costs. \n\nFrivolous FCRA Lawsuit Penalties Credit reporting bureaus have the right to terminate investigations of violations if the agency determines that the consumers complaint is frivolous or irrelevant. \n\nTypically, this happens when the consumer fails to offer sufficient information to investigate the disputed information. \n\nThey also may lose a court case if they filed suit in bad faith or to harass an agency, business or individual. If this happens, the consumer may be required to pay the attorney fees for filing bad faith papers.\n\nDeadlines Here are four key deadlines to remember when dealing with the Fair Credit Reporting Act. \n\nInaccurate information must be corrected or deleted within 30 days of your dispute ( or up to 45 days if you provide additional information after submitting your written dispute ). \nBusinesses or other information furnishers must tell you about any negative information reported to the credit bureaus within 30 days. \nThe statute of limitations for filing a suit is two years after the date you discovered a violation or within five years of the date of the violation. \nXXXXXXXX XXXX XXXX The three major credit bureaus are required to provide you with one free copy of your credit report every year, if you request it. You must properly identify yourself, of course. The Web site XXXX is a prime place to obtain your free annual credit report. \n\nIn some cases, the credit bureaus also must provide you with another free copy of your credit report if : A business has denied your application or charged a higher interest rate because of information in your credit report. \nYoure unemployed and planning to look for a job within the next 60 days. \nYoure on welfare. \nYouve been a victim of identity theft ( or if your credit report contains inaccurate information because of identity theft ). \nOther Credit Reporting Agencies There is much emphasis on the three nationwide consumer reporting companies Equifax, XXXX and XXXX but its useful to know there are other sources of consumer reporting information. \n\nThe Consumer Financial Protection Bureau has published a list of other companies that self-identify as consumer reporting agencies. These companies collect information and provide reports to other companies about you in the areas of credit, employment, residential rental housing, insurance and other decision-making situations. Its worth a look to determine which of the companies could be important to you. \n\nThis list, while not all-inclusive, has been independently verified by the CFPB. \n\nMeanwhile, here are the best contact numbers for the XXXX nationwide consumer reporting companies : Equifax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Problems with credit reporting bureaus are not unusual. Getting timely corrections on mistakes on your credit report can be difficult, but is worth pursuing. \n\nIf you have questions about the credit reporting bureaus and how information is gathered, you should contact a nonprofit credit counseling agency like XXXX and speak with a certified counselor about the problem. \n\nFair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | We do not lend money.","date_sent_to_company":"2023-05-04T03:51:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20877","tags":null,"has_narrative":true,"complaint_id":"6924689","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-04T03:26:54.000Z","state":"MD","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["For example, the XXXX XXXX XXXX reported about a data broker that agreed to pay {$800000.00} in a <em>settlement</em> with the Federal Trade Commission for allegations he illegally sold personal information to human resources, background screening and recruiting companies."]},"sort":[3.9373755,"6924689"]},{"_index":"complaint-public-v1","_id":"13333322","_score":3.8686762,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"CONSUMER COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) Subject : XXXX XXXX XXXX XXXX Pattern of Algorithmic Discrimination, FCRA Violations, and Facilitated Misconduct via FDIC Partners Submitted by : XXXX XXXX XXXX XXXX XXXX XXXX Entities Involved : XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( FDIC XXXX XXXX XXXX XXXX XXXX ( FDIC # XXXX XXXX DR Bank ( FDIC # XXXX XXXX This XXXX is supported by : Findings from the XXXX XXXX XXXX independent monitorship on AI discrimination Over 22 directly quoted admissions from XXXX XXXX and XXXX XXXX filings First-hand evidence of personal credit harm from AI misuse, Dark Pattern behavior tactics in email log from upstart customer support and Lead Consumer FDIC XXXX Report data showing systemic profit from harmful XXXX XXXX XXXX XXXX revealing hidden partnerships across multiple platforms I. SUMMARY OF COMPLAINT This complaint alleges a pattern of unlawful conduct by XXXX XXXX XXXX XXXX in partnership with XXXX XXXX XXXX  ( FDIC # XXXX ), XXXX XXXX  ( FDIC # XXXX ), XXXX DR Bank ( FDIC # XXXX ), in violation of the following federal statutes and regulations : Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691, et seq.\n\nFair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, et seq.\n\nUnfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) 12 U.S.C. 5531, et seq.\n\nRegulation B 12 C.F.R. Part 1002 Regulation V 12 C.F.R. Part 1022 II. PERSONAL ADVERSE ACTION EXPERIENCE Fraudulent Data Reliance ( 15 U.S.C. 1681s-2 ( b ) ) On 3-17-2025, XXXX : Used TransUnion data actively flagged as fraudulent in CFPB Complaints # XXXX, # XXXX, and # XXXX. XXXX  has three different legal departments listed in the CFPB database.\n\nIssued automated adverse action within seconds citing the below but not limited to : \" Lack of sufficient relevant first mortgage account information '' ( Ive resided in company housing overseas of and on for XXXX years ) \" Auto loan history '' ( I own a XXXX XXXX XXXX XXXX outright, with no auto loans in XXXX years. ) Violation : Failure to reinvestigate disputed information per FCRA 1681i ( a ) ( 1 ) ( A ).\n\nAlgorithmic Discrimination ( 15 U.S.C. 1691 ) Upstarts AI system : Relied exclusively on demonstrably false data points ( auto loans/mortgages ) while ignoring : XXXX year stellar credit profile spread across XXXX bureaus. upstarts AI only viewed the inaccurate/fraudulent data Customer service refused to recognize the same email address used to : Create my Upstart account Receive the {$4000.00} loan denial Obtain adverse action notices ( screenshots attached ) Deceptive Practices ( 12 U.S.C. 5531 ) Account Access Denial : Violates : FTC Act 5 Unfair or deceptive acts or practices ( UDAP ) Precedent : FTC XXXX XXXX, Complaint No. XXXX ( XXXX. XXXX. ) XXXX XXXX : $ XXXX settlement over deceptive customer service practices Legal Inference : Plaintiff was denied basic access to the appeal process and violating statutory rights and preventing due process. \n\nRegulatory Escalation Obstruction : Lead Counsel for Consumer Litigation XXXX XXXX responded to my internal upstart complaint via email with : \" Kiss the mountain air we breathe '' ( automated reply ) \" Despite my out of office message, I am working today '' ( manual follow-up ) Demand for Immediate Action Pursuant to 12 U.S.C. 5563, I request the CFPB : Subpoena Upstarts : XXXX approval/denial rates by race/ZIP code AI model variable weightings My case is not isolated, but part of a larger pattern of AI discrimination and regulatory evasion. I am requesting an immediate investigation into upstart and XXXX XXXX XXXX  ( FDIC # XXXX ), Finwise Banks ( FDIC # XXXX ), and DR Banks ( FDIC # XXXX ) due diligence failures under FDIC Part 364 II. Relman Colfax Reports Proof of Bias and Experimental Model : According to public reports from XXXX XXXX XXXX, the independent Civil Rights Law Firm serving as the Fair Lending Monitor for Upstarts lending model, Upstarts platform relies on Machine Learning ( ML ) and Artificial Intelligence ( AI ) to evaluate creditworthiness using non-traditional data, including factors such as educational background. This data set has been widely criticized as reinforcing XXXX and socioeconomic bias. \n\n\nIn the Final Monitoring Report released on XX/XX/XXXX, XXXX XXXX makes the following points that are critical to this complaint : Upstart 's AI model was not fully vetted or validated for XXXX fairness before XXXX. \n\nThe model used by Upstart ( and, by extension, XXXX XXXX XXXX XXXX XXXX, XXXX DR Bank ) lacks a viable, less discriminatory alternative, raising serious concerns about algorithmic discrimination. \n\nDespite extended discussions, the Parties remain at an impasse about how to assess the discriminatory impact of Upstarts model.\n\nThe Monitor recommends that XXXX apply its methodology to future algorithm changes, indicating the current system is still evolving and experimental. \n\nAdditional findings from the Monitors four-year oversight include : Statistical evidence of bias : XXXX applicants faced statistically significant approval disparities ( Adverse Impact Ratio, or AIR XXXX XXXX ) in every quarter from XXXX. XXXX and XXXX  applicants were also harmed, but XXXX prioritized model performance over corrective action. ( Third Report, p.24 ) Hidden proxies for race : The AI model contains hidden proxy variables such as ZIP code, XXXX XXXX XXXX XXXX ) attendance, and SAT/ACT scores that serve as indirect indicators of race, a clear sign of Educational algorithmic redlining. ( Initial Report, p.21 ) Discriminatory pricing : HBCU/HSI graduates were charged an average of {$3400.00} more than graduates from elite institutions like NYU despite having identical financial profiles. ( Initial Report, p.21 ) Regulatory noncompliance : Upstart ignored the CFPBs No-Action Letter ( NAL ) stipulations , including the requirement to test its algorithm for XXXX bias. They also rejected the Monitors proposed XXXX XXXX, which had been shown to reduce XXXX applicant disparities by 40 %. ( Initial Report, XXXX ) These practices violate : XXXX ( XXXX C.F.R. XXXX ( a ) ) CFPB XXXX XXXX XXXX CFPB No-Action Letter conditions from XXXX Despite being fully aware of these findings, XXXX XXXX Bank XXXX DR Bank XXXX and FinWise Bank XXXX XXXX of which are Federally regulated institutions, failed to conduct an independent audit of the model for bias or compliance with FDICs Part XXXX on identity theft red flags and anti-discrimination safeguards. \n\nXXXX. ADMISSIONS FROM UPSTARTS SEC FILINGS ( XXXX QUOTES ) * Full list will be sent directly to CFPB XXXX and Ombudsman * Upstarts XXXX ( Year End XXXX ) contains over XXXX direct admissions proving : Known use of inaccurate training data ( upstart yr end XXXX XXXX ) High AI model failure rates and sub-optimally priced loans ( upstart yr end XXXX XXXX ) Investor lawsuits alleging false/misleading disclosures ( upstart yr end XXXX XXXX ) SEC subpoena over AI model use and loan disclosures ( upstart yr end XXXX XXXX, XXXX ) Admission that loans XXXX be XXXX if true lender doctrine is challenged ( upstart yr end XXXX XXXX, XXXX ) XXXX. XXXX BANK COMPLICITY VIA CALL REPORTS FinWise Bank ( FDIC # XXXX ) $ XXXX in loans sold to third parties ( XXXX ) $ XXXX in late fees charged ( XXXX ) Likely acting as a pass-through for Upstart AI-based loans, profiting on high-risk output XXXX XXXX XXXX  ( FDIC # XXXX ) $ XXXX in late fees in XXXX ( XXXX ) Over $ XXXX in gross loans yet only $ XXXX in assets $ XXXX in borrowings with Tier XXXX capital of just $ XXXX Net income = $ XXXX in XXXX signs of instability Website URL listed : Upgrade.com, revealing hidden partner exposure. CEO of XXXX, XXXX XXXX, was the former Co-Founder and former CEO of XXXX. XXXX was fined $ XXXX by the CFPB in XXXX for illegal fees ( XXXX XXXX XXXXXXXX XXXX DR Bank XXXX FDIC # XXXX ) Reported installment loans inconsistent with traditional banking profile Suspected to be a low-volume facilitator for Upstart originations Lacks adequate third-party oversight based on Upstart XXXX references V. DECEPTIVE XXXX PARTNERSHIPS URL EVIDENCE Found in FDIC XXXX Reports ( XBRL tags : XXXX XXXX XXXX XXXX Bank XXXX Upgrade Affirm XXXX XXXX XXXX  XXXX Current XXXX XXXX XXXX : FinWiseBank.com XXXX These domains were listed in FDIC Call Reports as active business channels, yet were not disclosed on XXXX XXXX or XXXX primary public websites, raising : Material omission risks under FTC Act 5 Truth in Lending violations ( TILA Reg Z ) UDAAP violations for lack of true lender clarity VI. LEGAL THEORIES & REGULATORY VIOLATIONS ECOA ( 12 C.F.R. 1002.6 ) Disparate treatment & impact via AI FCRA 607 & 615 Use of inaccurate data, failure to issue proper notices UDAAP ( 12 U.S.C. 5531 ) Deceptive AI branding, false credit offers, no appeal path OCC Bulletin 2021-29 Unsafe or unsound practices in bank-fintech partnerships True Lender Doctrine Loans may be void, investors deceived","date_sent_to_company":"2025-05-05T20:53:32.000Z","issue":"Getting the loan","sub_product":"Installment loan","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"13333322","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALCAR INC.","date_received":"2025-05-05T20:43:48.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX. ) XXXX XXXX : $ XXXX <em>settlement</em> over deceptive customer service practices Legal Inference : Plaintiff was denied basic access to the appeal process and violating statutory rights and preventing due process."]},"sort":[3.8686762,"13333322"]},{"_index":"complaint-public-v1","_id":"6924561","_score":3.4426007,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"They are reporting negative or late payments. All 3 credit bureaus including credit Karma showing my credit line amounts. Skip to content XXXX XXXX XXXX XXXX XXXX XXXX In Search XXXX Call Today : ( XXXX ) XXXX Fair Credit Reporting Act : Common Violations and Your Rights Updated : XX/XX/XXXX | XXXX XXXX XXXX Credit Card Debt Relief Credit Counseling How to Increase Credit Score Fair Credit Reporting Act : Common Violations and Your Rights A consumers financial future can rise and fall on whats in their credit report so keeping a close eye on the contents should be important to everyone. Credit reports are used to decide who gets a loan, a credit card, a job, or even an apartment to rent, so few things are more crucial than having a credit report free of errors. \n\nStill, credit report errors are made, and the consequences can be devastating. Thats why its vital to look at your credit report at least once a year and make sure all the information in it, is accurate. Federal law allows you to get a free credit report from each of the three major reporting bureaus by signing up at XXXX. \n\nThe Fair Credit Reporting Act of 1970 Recognizing the life-altering power of credit information, Congress adopted the Fair Credit Reporting Act ( FCRA ) in 1970 to protect consumers and regulate how credit information is used and disseminated. The law gives consumers the right to know whats in their credit reports and free access to the information credit rating agencies use to assign credit scores. \n\nThe FCRA also requires that anyone who denies a person credit, insurance or employment because of what is in their credit report, tell you where they got the information and how to contact the issuer. \n\nThe Federal Trade Commission enforces the FCRA. The Dodd-Frank Act transferred most of the rulemaking responsibilities to the Consumer Financial Protection Bureau XXXX but the FTC still retains enforcement authority. \n\nThe nations three largest credit reporting agencies XXXX, XXXX and TransUnion are required by law to do everything in their power to accurately gather and report consumer information. Together, they keep files on more than 200 million Americans and issue more than three billion reports a year.\n\nGiven the volume of information, its inevitable that errors occur. The FCRA gives consumers the means to detect inaccuracies in their reports and file complaints. It also requires reporting agencies to investigate and correct bogus information. \n\nMistakes are often clerical, but sometimes theyre the result of old information reported as current. XXXX XXXX XXXX XXXXXXXX reported the troubles of a Mississippi woman whose {$40000.00} second-mortgage debt was discharged through a bankruptcy filing in XXXX. But four years later, the debt appeared on her report as unpaid. She tried repeatedly to get the error removed, but it took intervention from Mississippis attorney general to have her report corrected. \n\nCases like that are common. State attorneys investigate FCRA complaints and many have consumer information on their web pages to let people know what their rights are and the steps to take if they uncover erroneous information. \n\nCommon violations of the FCRA include : Failure to update reports after completion of bankruptcy is just one example. Agencies might also report old debts as new and report a financial account as active when it was closed by the consumer. \nCreditors give reporting agencies inaccurate financial information about you. \nReporting agencies mixing up one persons information with anothers because of similar ( or same ) name or social security number. \nAgencies fail to follow guidelines for handling disputes. \nPulling your report for an impermissible purpose. For instance, viewing a credit report to determine if you have assets before filing certain kinds of lawsuits. \nFailing to send you notifications about your credit report or score in violation of the FCRA. \nReporting agencies providing information to unauthorized persons or businesses. \nNot all FCRA actions are the result of errors or poorly maintained files. For example, the XXXX XXXX XXXX reported about a data broker that agreed to pay {$800000.00} in a settlement with the Federal Trade Commission for allegations he illegally sold personal information to human resources, background screening and recruiting companies. \n\nYour Rights Under the Fair Credit Reporting Act If youre turned down for credit or have some other reason to suspect that a credit report might have erroneously damaged you, get the name of the national credit agency that provided the report. A landlord who turned you down for bad credit or a bank that denied you a credit card will tell you which agency issued the report. \n\nNext, contact the agency and request a copy of the report. Keep in mind that if the report contains incorrect information, other agencies could be using the same information in their reports. The agency that provided the information must supply you with its report within 30 days of the denial for free. Otherwise, it can charge a fee to see a report. \n\nIf you find inaccurate or outdated information, notify the credit reporting agency in writing, explaining the error and demanding that it be immediately corrected. If the agency investigates and does nothing, and if you are still sure the report contains errors, contact the Federal Trade Commission or the state attorney generals office nearest you. \n\nIts important to know your rights under the Fair Credit Reporting Act : You have a right to know whats in your file. Contact the credit-rating agency that issued a report that was used to deny you credit, housing or employment. Youre entitled to a free report for any of these reasons : Information was used against you ; you are a victim of identity theft and place a fraud alert on your file ; your file contains inaccurate information that resulted from fraud ; youre on public assistance or you have been unemployed but expect to apply for work within 60 days. \nIf you have been the victim of identity theft, you are entitled to ask businesses for a copy of transaction records relating to the theft of your identity. For example, loan or credit card applications. You also may authorize law enforcement agencies to request the information. Businesses must provide it within 30 days of receiving the request. Some companies are reluctant to release this information claiming it is proprietary information or that they are protecting the consumer. However, the FCRA states that businesses are required to provide applications and business transaction records to help victims document fraudulent charges. The FTC outlines the obligations for businesses here. \nYou have a right to ask for your credit score. Credit reporting agencies provide these. In some instances, mortgage lenders will tell you your score when you apply for a loan. Also, some credit card issuers now include up-to-date scores in their monthly statements. \nYou have a right to dispute incomplete or inaccurate information in your report. \nCredit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. \nReporting agencies must not disseminate outdated negative information. \nInformation in your file is limited to those with a valid need for it. \nYou must give written consent for credit agencies to send your credit report to employers. \nIf your rights have been violated under the FCRA, you are entitled to seek actual or statutory damages, recover attorneys fees and court costs and request punitive damages. \n\nFair Credit Reporting Act Violations There are several common violations of the Fair Credit Reporting Act, involving both the thousands of companies reporting information and the three major bureaus taking the information and assigning it to your credit report. \n\nSome of the common violations include : Furnishing and Reporting Old Information When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur? \n\nReporting a debt as charged off, when it was settled or paid off. \nReporting late payments when your payments were timely. \nReporting old debts as new ones. \nReporting that an account was active after it was voluntarily closed by a consumer. \nFailure to report that a debt was discharged in bankruptcy. \nReporting information that is more than seven years old ( when XXXX XXXX bankruptcy notices should lapse ) or 10 years old ( XXXX XXXX bankruptcy ). \nInaccurate statement of balance due. \nFailing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ). \nMixing Files Mixing files with someone else who has similar background information ( sometimes as careless as failing to distinguish the Jr. and Sr. in similar surnames ). \n\nDebt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. Sometimes, agencies fall short in these areas. \n\nDebt Dispute Violations for Creditors Creditors are obligated to note every disputed debt and submit corrected information, stop submitting incorrect information when it has been reported, conduct an internal investigation of disputes within 30 days and provide a reasonable procedure to submit a written dispute or report of identity theft. \n\nPrivacy Violations Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, such as determining if you are collectible in a lawsuit, an employer pulling the report without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial activity. \n\nWithholding Notices You must be given notice on the reporting, handling and use of your credit information. Violations could include : A creditor failing to notify you when it supplies negative credit information. \nA user of credit information ( prospective employer or lender ) failing to notify you of a negative decision based upon your credit report. Or that user of credit information refusing to identify the source of credit information it obtained about you. \nA creditor failing to provide your credit score if it was used as part of any credit decision. \nA creditor failing to notify you of your right to obtain a free credit report. \nIts important to be educated and know your Fair Credit Reporting Act rights. \n\nRecovering Damages for FCRA Violations The information covered under the Fair Credit Reporting Act is so critical to the financial health of an individual that when violations of the FCRA occur, the victim can file suit and collect for damages. \n\nThe extent to which a victim can be compensated depends largely on whether the violation was willful or negligent. The parties responsible for possible violations include credit reporting agencies, businesses furnishing the information to credit agencies or someone using information off the credit report to make a decision about a job, or housing. \n\nWillful FCRA Violations These are the more serious violations and more highly compensated because it means the agency, business or individual was aware their actions would cause harm to you, but went ahead and did them anyway. \n\nThe types of damages that can be compensated here include : Actual damages. These are damages that can be proved because of harm caused by an action or failure to act by the agency, business or individual. There is no limit to how high an award can be. \nStatutory damages. These are damages that dont require proof, but the compensation is limited to somewhere between {$100.00} and {$1000.00}. \nPunitive damages. These are awarded to punish an agency, business or individual and deter them from violating the FCRA again. There is no limit on how much can be awarded. \nAttorney fees and court costs. You can have the cost of litigating the matter covered if you win your case. \nNegligent FCRA Violations When an agency, business or individual fails to exercise proper care or takes action that a reasonable person would not with regard to your credit information, that is negligent behavior and money damages can result. \n\nThe types of damages available are the same as with willful violations, namely actual damages ( no limit ) ; statutory damages ( usually between {$100.00} and {$1000.00} ) ; punitive damages ( no limit ) and attorney fees and court costs. \n\nFrivolous FCRA XXXX XXXX XXXX reporting bureaus have the right to terminate investigations of violations if the agency determines that the consumers complaint is frivolous or irrelevant. \n\nTypically, this happens when the consumer fails to offer sufficient information to investigate the disputed information. \n\nThey also may lose a court case if they filed suit in bad faith or to harass an agency, business or individual. If this happens, the consumer may be required to pay the attorney fees for filing bad faith papers.\n\nDeadlines Here are four key deadlines to remember when dealing with the Fair Credit Reporting Act. \n\nInaccurate information must be corrected or deleted within 30 days of your dispute ( or up to 45 days if you provide additional information after submitting your written dispute ). \nBusinesses or other information furnishers must tell you about any negative information reported to the credit bureaus within 30 days. \nThe statute of limitations for filing a suit is two years after the date you discovered a violation or within five years of the date of the violation. \nXXXXXXXX XXXX XXXX  The three major credit bureaus are required to provide you with one free copy of your credit report every year, if you request it. You must properly identify yourself, of course. The Web site XXXX is a prime place to obtain your free annual credit report. \n\nIn some cases, the credit bureaus also must provide you with another free copy of your credit report if : A business has denied your application or charged a higher interest rate because of information in your credit report. \nYoure unemployed and planning to look for a job within the next 60 days. \nYoure on welfare. \nYouve been a victim of identity theft ( or if your credit report contains inaccurate information because of identity theft ). \nOther Credit Reporting Agencies There is much emphasis on the three nationwide consumer reporting companies XXXX, XXXX and TransUnion but its useful to know there are other sources of consumer reporting information. \n\nThe Consumer Financial Protection Bureau has published a list of other companies that self-identify as consumer reporting agencies. These companies collect information and provide reports to other companies about you in the areas of credit, employment, residential rental housing, insurance and other decision-making situations. Its worth a look to determine which of the companies could be important to you. \n\nThis list, while not all-inclusive, has been independently verified by the CFPB. \n\nMeanwhile, here are the best contact numbers for the XXXX nationwide consumer reporting companies : XXXX : ( XXXX ) XXXXXXXX XXXX XXXX  ( XXXX ) XXXX TransUnion : ( XXXX ) XXXX Problems with credit reporting bureaus are not unusual. Getting timely corrections on mistakes on your credit report can be difficult, but is worth pursuing. \n\nIf you have questions about the credit reporting bureaus and how information is gathered, you should contact a nonprofit credit counseling agency like XXXX and speak with a certified counselor about the problem. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We do not lend money.","date_sent_to_company":"2023-05-04T03:52:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20877","tags":null,"has_narrative":true,"complaint_id":"6924561","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-04T03:51:57.000Z","state":"MD","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":["For example, the XXXX XXXX XXXX reported about a data broker that agreed to pay {$800000.00} in a <em>settlement</em> with the Federal Trade Commission for allegations he illegally sold personal information to human resources, background screening and recruiting companies."]},"sort":[3.4426007,"6924561"]},{"_index":"complaint-public-v1","_id":"7598442","_score":3.3819413,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX\n\nReference # XXXXXXXX XXXX XXXX XXXX undated notice/letter\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX and the clocks were striking thirteen, XXXX XXXX XXXX XXXX XXXX XXXX In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX dystopian novel XXXX the book that introduced the world to the concept of XXXX XXXX XXXX XXXX  OPENING LINE sets the stage of exactly what to expect in his XXXX  page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX.  The XXXX  thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX world of XXXX XXXX the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX  writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX XXXX quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score was impossibly reduced on my XXXX credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof XXXX dying XXXX  year old XXXX XXXX on Social Security whose bills were required to be paid by my Medicare and other insurance???  Since it is alleged you received $XXXX obviously that is enough and you must cease and desist communication and rebill insurance if your non-profit client is so desperate that it gives illegal aliens a free ride yet over bills US citizen XXXX  with insurance required to pay 100%. Why would I or anyone ever go back to Orlando Health???  Are they insane???  Is a fee of maybe $XXXX worth your time when you cannot report any nonpayment under $600 on my credit report? Do you plan to willfully violate the FCRA and FDCPA so I can obtain statutory damages of $XXXX per violation plus XXXX fold punitive damages per XXXX XXXX XXXX XXXX Do you want the CFPB and other regulators to come after you and your clients for fraudulent and deceptive practices? At a minimum, I demand every detailed document that exists including videos, regarding the alleged procedure including agreements, charges and notes by service providers.  Everything.  In XXXX XXXX Congress passed the NO SURPRISES ACT (NSA) which you and your client have willfully violated.  The NSA established rules outlining the need for providers to establish an independent dispute resolution process which prohibits your attempt to coerce me into paying bills that are more than what is actually owed. Obviously, you and your client have violated the obligations  imposed by the FDCPA with regard to interactions with health laws and regulations.  The CFPB issued a XXXX bulletin reminding debt collectors that attempting to collect a debt from a charge that exceeds the amount permitted by the NSA would violate the FDCPA.  Health care providers that generate an invoice that violated the NSA would also be held liable for the actions of debt collectors acting on other behalf.  Debt collectors and their clients would also willfully violate the FCRA if they report that a consumer must pay a debt from a charge that exceeds the amount permitted by the NSA.  Judge Walker needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, which I demand a copy of any agreement, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I will make as many CFPB complaints regarding FCRA and other violations needed to stop you and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX  Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX  dated XXXX XXXX XXXX  and XXXX August 12, 2023 and  the account number referenced in your letter is not included in my credit reports, so be warned about your obligations under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced due to XXXX, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score for a sinister purpose. XXXX XXXX  IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe any account with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX XXXX citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX  years old XXXX  female and American with XXXX  in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, XXXX a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by 200 points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX  code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX XXXX  bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $XXXX  to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX  Why is data reported on XXXX XXXX  but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX  system.  Again, I need every document, including every XXXX XXXX  submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX  protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX  protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of F","date_sent_to_company":"2023-09-24T15:03:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"32836","tags":null,"has_narrative":true,"complaint_id":"7598442","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Receivables Management Partners, LLC","date_received":"2023-09-24T14:48:15.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I will <em>make</em> as many CFPB complaints regarding FCRA and other violations needed to stop you and I <em>suspect</em> that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications."]},"sort":[3.3819413,"7598442"]},{"_index":"complaint-public-v1","_id":"8189166","_score":3.2282944,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  \nXXXX XXXX XXXX XXXX XXXX  (ref XXXX)\nXXXX XXXX XXXX XXXX, SC XXXX  \nCrown Asset Management,LLC\n\nXXXXXXXX XXXX XXXX (Acct # XXXX XXXX)\n\nProposed 3 Arbitration cases with XXXX  and/or XXXX  \n(Case 1) XXXX XXXX XXXX XXXX XXXX\n\n(Case 2) XXXX XXXX XXXX Crown Asset Management, LLC \n(Case 3) XXXX XXXX XXXX Crown Asset Management, LLC Claimants unilateral right and election for a separate THREE-ARBITRATOR panel and tribunal  for every XXXX  case due to the normal mandatory default for complex claims exceeding $XXXX with the 3 Arbitrator panel selected exclusively by Claimant\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking XXXX, XXXX XXXX XXXX XXXX XXXX (XXXX). In this case, Defendants argument is like the XXXX  chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX XXXX XXXX XXXX  Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXXXXXX XXXX XXXX XXXX XXXX, the book that introduced the world to the concept of XXXX XXXX. XXXX XXXX OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX.  The XXXX XXXX strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX  world of XXXX XXXX, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX  writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX XXXX  quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX  on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof XXXX  XXXX XXXX  Citizen on Social Security with a XXXX  (XXXX) credit score???  XXXX XXXX needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX  Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX dated XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX  compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX  and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX based on my XXXX XXXX credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to XXXX for a sinister purpose. XXXX XXXX  IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXXXXXX XXXXXXXX I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX XXXX XXXX? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX years XXXXXXXX XXXX XXXX and XXXX XXXX XXXX  in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX  points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX code XXXX  into every account?  Do you even know what XXXX  means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXXXXXX XXXX bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my XXXX XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  XXXX XXXX  is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXXXXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $XXXX+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $XXXX+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreem","date_sent_to_company":"2024-01-19T16:35:42.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"8189166","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Crown Asset Management, LLC, Duluth, GA Branch","date_received":"2024-01-19T16:35:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you <em>make</em> and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action <em>lawsuit</em>."]},"sort":[3.2282944,"8189166"]},{"_index":"complaint-public-v1","_id":"7476099","_score":3.2282944,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hayt, Hayt XXXX Landau, P.LXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX\n\nReference HHL File # XXXX (6 files)\nReceived on XXXX XXXX, XXXX\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX and the clocks were striking thirteen, XXXX XXXX, XXXX  at 1 (XXXX). In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX XXXX District of Florida, in case # XXXXXXXX wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX  dystopian novel XXXX, the book that introduced the world to the concept of XXXX XXXX.  Judge XXXX  OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX  The 1XXXX thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the 1XXXX  world of XXXX XXXX, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant Orwellian XXXX  quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to 0 on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying Senior Citizen on Social Security with a ZERO (0) credit score???  Judge Walker needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be XXXX!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of Trans Union dateXXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to ZERO on XXXXXXXX based on my XXXX/XXXX XXXXXXXX credit report due to XXXX, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to ZERO for a sinister purpose. XXXX XXXX IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In September 2022, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an elderly senior citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX  years old elder male and XXXX with XXXX in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and XXXX XXXX Moreover, last year I have been affected by XXXX XXXX XXXX a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX  code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX XXXX bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of XXXX shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes XXXX  any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX. Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX  protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.\n\n Tell me when the creditor claims this debt became due and when it became delinquent.\n\n Identify the date of the last payment and amount made on this account.\n\n Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.\n\nDetails about your authority to collect this debt.","date_sent_to_company":"2023-08-31T08:52:05.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7476099","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Hayt Hayt & Landau, P.L. (FL)","date_received":"2023-08-31T08:42:10.000Z","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 is not yours"},"highlight":{"complaint_what_happened":["That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you <em>make</em> and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action <em>lawsuit</em>."]},"sort":[3.2282944,"7476099"]},{"_index":"complaint-public-v1","_id":"7625065","_score":3.2161083,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nReference: XXXX  Synchrony Bank XXXX  Reference: XXXX  Synchrony Bank XXXX  Reference: XXXX  Synchrony Bank XXXX  \nSynchrony Bank, Legal Operations\nAttention: Arbitration Demand XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nRe: American Arbitration Association consumer demands for arbitration case filings filed 9/17/2023 styled: Thomas Schultz versus Synchrony Bank awaiting filing fee payments billed for $600 for each case from Synchrony Bank as consumer AAA filing fees satisfied/paid \n\nDear Debt Collector:\n\nIt was a bright cold day in April, and the clocks were striking thirteen, XXXX XXXX XXXX at 1 (1961). In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge Mark E. Walker, Northern District of Florida, in case # 4:22-cv-00324-MW-MAF, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of George Orwells dystopian novel 1984, the book that introduced the world to the concept of BIG BROTHER.  Judge Walkers OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed 11/17/2022.  The 1984 thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the 1984 world of BIG BROTHER, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel 1984 writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant Orwellian 1984 quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian 1984 Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to 0 on May 14, 2023 based on my Equifax credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying Senior Citizen on Social Security with a ZERO (0) credit score???  Judge Walker needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent March 2023 CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page Metro 2 Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of Trans Union dated August 3, 2023 and Experian August 12, 2023 and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the Metro 2 compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under Metro 2 to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my TransUnion and Experian credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to ZERO on 5/14/2023 based on my 5/14/2023 Equifax credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via Metro 2 and other data submissions to purposely damage my credit score to ZERO for a sinister purpose. BIG BROTHER IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In September 2022, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an elderly senior citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a 74 years old elder male and American with Disabilities in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by 200 points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the Metro 2 code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal Chapter 7 bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  Metro 2 is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including Metro 2, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by COVID-19 and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code Metro 2 except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under Metro 2.  Why is data reported on Metro 2 but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by Metro 2 and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the Metro 2 system.  Again, I need every document, including every Metro 2 submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via Metro 2. Moreover, many of the Metro 2 data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or Metro 2 protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under Metro 2.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  Metro 2 protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In ad","date_sent_to_company":"2023-10-01T14:38:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7625065","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2023-10-01T14:10:14.000Z","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 is not yours"},"highlight":{"complaint_what_happened":["That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you <em>make</em> and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action <em>lawsuit</em>."]},"sort":[3.2161083,"7625065"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":32,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":32}]}},"product":{"doc_count":32,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":12,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":8},{"key":"I do not know","doc_count":2},{"key":"Medical debt","doc_count":1},{"key":"Other debt","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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