{"took":212,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":145,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2496502","_score":15.055748,"_source":{"product":"Mortgage","complaint_what_happened":"In XX/XX/XXXX I took out a loan through XXXX XXXX XXXX XXXX XXXX.  At the time of taking a mortgage loan I was and am still on Social Security XXXX. The loan I received was one of those No employment verification, No Income verification, No Banking verification. See the Uniform Residential Loan Application Exhibit 4. At the time I received this mortgage I had personal income from Social Security XXXX and a small pension, which amounted to approximately {$1500.00} per month. The payment for this mortgage was approximately {$1100.00} per month. My wife was not on this mortgage and her income was not included. <P/>I paid on this loan for 5 years. ( I have approx {$80000.00} into this property, loan payments, repairs, upkeep ) I quit making payments in the first quarter of XX/XX/XXXX. I contacted XXXX who is a sub servicer and OCWEN as the master servicer and asked them to take the property back and was told they could n't. I was also told that if I were to stop making payments they could probably help me with a modification. I did n't understand why stopping payments would probably help me get a modification. I told them at first, it would be easier for me to just give the property back. They said they cant take it back and it is n't that easy. They said again, if you stop making payments we can assist you in a modification. I gave them permission to send me a modification package. I finally received there package. I returned it and followed up at a later date to check the status and was told that they did n't receive it. They sent me another package and I followed up again and was told that I was missing some information. I received letters of denial dated XX/XX/XXXX and XX/XX/XXXX. See Exhibit 4. <P/>During the first XXXX mandatory mediation in XX/XX/XXXX, I was also denied another modification, this time for Post Modification DTI Outside Acceptable Range. We are unable to offer you a Hamp modification for the following reason. In performing our underwriting of a potential modification, we determined that the proposed modified monthly payment which we could offer you was outside the required range of 10 % -55 % of your monthly gross income which we verified as {$2000.00}. Your modified monthly housing expense must be equal to or greater than 10 % and equal to or less than 55 % of your gross monthly income in order for you to be eligible for Hamp. See Letters from XXXX, Exhibit 4. <P/>I sent the Servicer two Qualified Written Request dated XX/XX/XXXX and XX/XX/XXXX. I asked who the Holder in Due Course was and got an answer back from XXXX informing me who the Investor was, which was GMAC. I did n't ask for the investor name and they did not tell me who the holder in due course was. <P/>In those QWRs I asked the Servicer ( XXXX is the sub-servicer ) who is the current holder in due course and owner of my mortgage note that has legal standing to foreclose in the State of XXXX. I also requested the MERs Milestone reports and XXXX website for the Pooling and Service Agreement and exact name of the issuing entity along with the Master Loan Schedule. My point is, the Servicer never told me in their response to my QWRs who the holder in due course is. <P/>XXXX did not tell me who the holder in due course is and instead brought me to Mediation in XX/XX/XXXX. <P/>In order for an institution to foreclose in XXXX they must comply with the State mandatory Mediation process. The first time XXXX took me to mediation was in XX/XX/XXXX. In order for XXXX to get their Certificate of Compliance they must demonstrate to the State run mediation program that they have disclosed the Owner of Obligation, which is the same as Holder in due course. XXXX did not get their Certificate of Compliance or as its called \" ( C.O.C. ) '' in the mediation that took place in XXXX. The reason they did n't get their C.O.C. is that they failed to disclose the Owner of obligation or holder in due course. XXXX would not tell me who the holder in due course was and they would n't or could n't tell me who the holder in due course is in the first Mediation. I also hired an attorney to represent me in mediation, costing around XXXX. In order for XXXX to foreclose they need to first get their C.O.C. and disclose the Holder in Due Course.  After two QWRs they failed to disclose who the owner was, and failed again during the first round of mediation. Their production of documents did not include the Certificate of No Compliance for XXXX. They did provide the XXXX Certificate of Compliance outcome in which they received their C.O.C. How does the borrower deal with a Servicer who brings you to mediation in bad faith? <P/>Mediation requires the banks to present the PSA at mediation, because it dictates on how they can modify an existing loan and work with the borrower. As we know the PSA clearly defines the entity or issuer of these trusts. <P/>The problem is that they never disclosed the Owner of Obligation as required to complete the mediation program. As a result they did n't receive their XXXX Certificate of Compliance. <P/>Jump forward to XXXX where they bring me to mediation again. ( Attorneys fees again, {$1800.00} ) This time they disclose that Ocwen is the Master Servicer and XXXX is the Sub servicer. They also state that XXXX XXXX  XXXX XXXX XXXX is the Trustee for this entity called XXXX XXXX XXXX XXXX Mortgage Asset-Backed Pass-Through Certificates Series XXXX, stating that this XXXX XXXX XXXX XXXX Mortgage Asset-Backed Pass-Through Certificates Series XXXX is the owner of obligation. They now state as a fact that this Trust is the owner of obligation and XXXX XXXX XXXX XXXX XXXX is the trustee for this particular Trust. <P/>XXXX and Ocwen finally get their C.O.C. based on the latest information that XXXX XXXX XXXX XXXX Mortgage Asset-Backed Pass-Through Certificates Series XXXX is the owner of obligation. <P/>Shortly after they received their C.O.C. they filed a foreclosure ( XX/XX/XXXX) lawsuit here in XXXX County naming XXXX XXXX XXXX XXXX XXXX as the Trustee for this XXXX XXXX XXXX XXXX Mortgage Asset-Backed Pass-Through Certificates Series XXXX. <P/>I represented myself on this lawsuit until XX/XX/XXXXwhen I retained the same attorney ( XXXX XXXX ) who represented me in the 2 mediations. <P/>Through discovery and production of documents we received documents that uncovered illegal activity by Ocwen, XXXX and XXXX XXXX XXXX XXXX XXXX. <P/>I went to the SEC website and researched XXXX XXXX XXXX XXXX Mortgage Asset-Backed Pass-Through Certificates Series XXXX. This is name they used in my foreclosure case! <P/>The SEC has no record of XXXX XXXX XXXX XXXX Mortgage Asset-Backed Pass-Through Certificates Series XXXX. <P/>Mortgage Asset-backed pass-through Certificates is actually the title of these securities ( XXXX ). <P/>The SEC does have a registered company conformed name listing XXXX  XXXX XXXX Trust listed as being Incorporated in XXXX and a business address in XXXX. <P/>This particular XXXX XXXX XXXX Trust is one of 145 separate entities ( XXXX XXXX ) listed with the SEC as being incorporated in Delaware. <P/>This particular XXXX XXXX XXXX XXXX is one of 145 separate entities ( XXXX XXXX ) listed with the SEC as XXXX Trust. <P/>This is where it gets real interesting.I went to the S.O.S. of XXXX  website and researched all XXXX XXXX Trust ( 145 ) of them. I also talked a Lady named XXXX XXXX from the S.O.S. of XXXX and asked her for Certified Certificates of Record on all 145 XXXX XXXX. I was informed by her that she has no record of any XXXX XXXX being registered in XXXX. She instead directed me to a form, called Certificate of No Record. She also stated that XXXX has Statues that govern what these Trust must do before they can sell securities or conduct business in XXXX. The Statues are 318.02 318.03 and 318.05. See exhibit 2.\n<P/>I paid and received Certified Certificates of No Record on all 145 XXXX Trust. I also received a complete list of every trust that filed a declaration of Trust since XXXX. Each Trust needed to complete a registration process and file a declaration of Trust in order to sell securities and do business in XXXX. <P/>Each XXXX XXXX Trust must be Bankruptcy remote from all other entities, thats why each individual Trust must have its own Company Conformed Name, per SEC. There is 145 XXXX Trust which reported to the SEC as being incorporated in XXXX and a business address in XXXX. <P/>XXXX Statue 318.02 subd. 3 Powers State that any such association heretofore or hereafter organized shall have the power in its name : ( 1 )  To continue as a business trust for the time limited in its Declaration of Trust or in any amendments, or if no time limit is specified, then perpetual. ( 2 ) To sue and be sued ; ( 3 ) To adopt, use, and, at will, alter a business trust seal, but failure to affix the business trust seal, if any, shall not affect the validity of any instrument ; ( 4 ) To conduct in this State and elsewhere the business to engage in by such association and to contract and enter into obligations and do any acts necessary and incidental to the transaction of its business or expedient for the attainment of the purposes stated in its declaration of trust or any amendments. ( 5 ) To acquire including by will or gift, purchase, sell, contract for, hold, lease, mortgage, encumber, convey, transfer, or otherwise deal in and dispose of real and personal property within or without the State by and through its officers, agents or Trustees in the manner provided in its declaration of trust or in any amendments. All deeds, contracts, mortgages and other legal instruments heretofore or hereafter acquired by or executed by any such association, and whether or not recorded in the office of the county recorder in the officer of register of titles, shall have the same force and effect as a like instrument would have executed, or recorded or filed in said offices, as in the case of corporations. <P/>Subd. 4.Personal liability. No personal liability for any debt or obligation of any such association heretofore or hereafter organized shall attach to the owners of the shares of beneficial interest, beneficiaries, shareholders, or trustees of any such association heretofore or hereafter organized, or to any person or party to the declaration of trust. <P/>318.03 Sale of Securities ; Registration Before any such association may offer for sale, barter or sell any security of such association in this state, such association shall register such securities pursuant to the provisions of chapter 80A, and all acts amendatory thereof, which registration shall be applied for and granted under the same conditions as like registrations are applied for and granted to corporations. <P/>318.05 Unlawful to transact business prior to compliance. No such association organized after XX/XX/XXXX, may transact or conduct business, within this state under any declaration of Trust without first complying with the provisions and requirements of sections 318.01 ; 318.02 ; and in addition thereto complying with the provisions and requirements of sections 318.03 and 318.04 when applicable. <P/>XXXX XXXX XXXX XXXX XXXX ( XXXX ) brought this lawsuit against me as a Trustee for XXXX XXXX XXXX XXXX Mortgage-Asset-Backed Pass-through Certificates Series XXXX. <P/>XXXX XXXX XXXX XXXX XXXX is not registered in XXXX XXXX  according to the S.O.S. of XXXX XXXX. The Secretary of State of XXXX, has XXXX XXXX XXXX XXXX XXXX registered as a Foreign Company in XXXX, and headquartered or incorporated in XXXX XXXX. If they did n't register in XXXX XXXX like they reported to the S.O.S. of XXXX then why did they state it as a fact in the XXXX S.O.S. registration? See Exhibit 2. <P/>Ocwen is the Master Servicer and XXXX XXXX is the sub-servicer which brought this lawsuit in the name of XXXX as Trustee. <P/>XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX Mortgage-Asset-Backed Pass-through Certificates Series XXXX has failed to demonstrate through either its memorandum or evidentiary submission that there are no genuine disputes of material fact or that XXXX is entitled to judgment as a matter of law. Specifically, there is a substantial question of material fact as to whether XXXX XXXX XXXX XXXX Mortgage-Asset-Backed Pass-through Certificates Series XXXX is a validly constituted legal entity and whether XXXX XXXX XXXX XXXX XXXX Pass-through Certificates Series XXXX has any legal capacity to sue in the State of XXXX to foreclose on my property. <P/>XXXX law restricts foreign entities from exercise [ ing ] any powers or purposes or conduct [ ing ] any business or affairs in this state that a domestic [ company ] is proscribed from exercising, pursuing or undertaking in this state. Numerous statues in XXXX prohibit foreign entities from maintaining an action in XXXX without first obtaining a certificate of authority. <P/>STATEMENT OF FACTS I was foreclosed by XXXX XXXX XXXX XXXX XXXX as Trustee '' for XXXX XXXX XXXX XXXX Mortgage-Asset-Backed Pass-through Certificates Series XXXX. Plaintiff purports to be a XXXX XXXX XXXX XXXX XXXX ( XXXX ) in its organizing documents known collectively as the Pooling and Servicing Agreement. Id. The Pooling and Servicing Agreement ( PSA ) states that This contract shall be governed by, and construed and enforced in accordance with applicable federal laws and the laws of XXXX. The PSA also provides that it shall be governed by the laws of the State of XXXX XXXX. The PSA also provides that This agreement and the certificates shall be governed by and construed in accordance with the laws of the State of XXXX XXXX and obligations, rights, and remedies of the parties hereunder shall be determined in accordance with such laws. The PSA also references XXXX and XXXX as another potential state whose governing laws apply. Id. <P/>See the Declaration of XXXX XXXX. Exhibit 3 As set forth in the Declaration of XXXX XXXX, Defendants have search high and low for evidence, that Plaintiff is registered, certified, authorized or otherwise in XXXX, XXXX XXXX and XXXX ( the three states referenced in the Plaintiffs PSA ) as well as all 47 states for registration, certification of trust, certification of existence for both the exact name of plaintiff XXXX XXXX XXXX XXXX XXXX AS TRUSTEE FOR XXXX XXXX XXXX XXXX MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX as well as numerous variations on this name ( variations include XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Mortgage Asset-Backed-Pass-through certificates XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX 2006QS14 Remic Trust ) and several other variations and have found \" no evidence '' of any registration or proof of plaintiffs existence in any of the 50 states, or any United States Territory . Defendants have also searched in the Internal Revenue Services 938 Publications database which preserves registration for all XXXXs registered with the Internal Revenue Service and have searched for both the Plaintiffs full name ( XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX Mortgage-Asset-Backed Pass-through Certificates Series XXXX ) as well as XXXX XXXX XXXX ( XXXX is an abbreviation of XXXX XXXX XXXX XXXX ), XXXX ( the series number for Plaintiffs Trust, and XXXX ( a shorter version of Plaintiffs series number ) in the tax years XXXX through XXXX and have found no registration with the Internal Revenue Service . See also Declaration of XXXX XXXX. Exhibit 3 Defendant and defendants counsel have searched the Secretary of States databases for all 50 states as well as the United States Territories as well as the Internal Revenue Services Form 938 registry and Defendants can find no documents indicating that Plaintiff is registered with either the Internal Revenue Service, nor with any of the 50 states or any United States Territories. Additionally, despite numerous subpoenas and discovery request on Plaintiff, Defendants can find no record of any EIN ( Employer Identification Number ) for Plaintiff. As of the date of this writing there is no evidence that Plaintiff has any authority to sue or maintain any action in the State of XXXX or any other state. It in fact appears that Plaintiff is not registered as a legal entity anywhere in the United States, including any of the states where Plaintiff claims to be registered and incorporated. <P/>Defendants have Certified Certificates of NO RECORD from the Secretary of State of XXXX showing that although, XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX Mortgage-Asset-Backed Pass-through Certificates Series XXXX is the name Plaintiff is using in this lawsuit, it is not the name used in reporting to the SEC . The SEC has it registered as XXXX XXXX XXXX XXXX, which is the Company Conformed Name as reported to the SEC. There are 145 separate XXXX XXXX XXXX, all of which reported to the SEC as being incorporated in XXXX and a business address in XXXX. <P/>I received Certified Certificates of NO RECORD from both XXXX and the XXXX Secretary of States. I also obtained from XXXX XXXX from the S.O.S. of XXXX a Certified list of all TRUST that are or were registered with the S.O.S. since XXXX. See Exhibit 2. <P/>The SEC has the entire XXXX XXXX ( XXXX ) registered as XXXX  Trust. <P/>See Exhibit 1, which is from the SEC website. We also included in Exhibit 1 other Series Trust that were not registered in XXXX, but reported to the SEC that they were. ( XXXX series, XXXX XXXX, XXXX and XXXX ). Also these additional Trust are reported to the SEC as being incorporated in XXXX and are in fact not registered in XXXX. Total collateral of all Trust in Exhibit 1 are estimated to be around {$180.00} XXXX according to the SEC website. <P/>The SEC also has the entire XXXX XXXX listed as being registered and incorporated in XXXX. The Certificates of NO RECORD that I obtained, clearly show that NONE of these TRUST were ever registered in XXXX or XXXX. See Exhibit 2. <P/>We know that the Securities and Exchange Commission does not verify the documents registered in their database. The question would be, why did they register these trust with the SEC stating that these trust are incorporated in XXXX, when in fact they did n't register in XXXX. <P/>Why did they register with the SEC stating that these Trust are XXXX Trust, when in fact they did n't register in XXXX? <P/>Registering the Entire Series with the SEC is part of the registration process but the State of XXXX also requires filing a Declaration of Trust prior to transacting any business in this state. It is unlawful to transact business prior to compliance. No such association organized after XX/XX/XXXX, may transact or conduct business within this state, under any Declaration of Trust or Business Trust without first complying with the provisions and requirements of sections XXXX and XXXX and in addition thereto complying with the provisions and requirements of sections XXXX and XXXX when applicable. See Exhibit 2 XXXX Statues. Why would these Trust report to the SEC as being XXXX Trust? Who would collect Taxes on the sales of these securities? According to the Sec all these Trust have a combined total of {$180.00} XXXX. Who is collecting the taxes if they are not registered at any State level. <P/>Why would they elect to be a REMIC as outlined in the PSA and not follow through and register with the Internal Revenue? I.R.S. publication 938 clearly states that For the first tax year of a REMICs existence, the REMIC must timely file the first tax year of existence using Form XXXX, signed by an authorized person. Once the election is made, it stays in effect for all years until it is terminated. Pursuant to the public records available on the SEC website, Plaintiff only filed Quarterly XXXX and/or XXXX filings from XX/XX/XXXX through XX/XX/XXXX. See Exhibit 4. <P/><P/>As a REMIC, Plaintiff is obligated to make the election as a REMIC in its first taxable year, but upon a search of the ( search-able ) IRS Publication Form XXXX database for REMIC and also Collateralized Debt Obligations, no such elections were filed in the years XXXX through XXXX indicating no such issuing entity exists for the purposes of IRS election as either a REMIC or a CDO. <P/>We have hard evidence that Ocwen and XXXX filed fabricated Mortgage Assignments with our County Recorders Office. There are 3 assignments recorded in county records. The first and second XXXX XXXX  was notarized by a XXXX XXXX out of XXXX. These two documents that are recorded in public records look almost exactly alike. This is where it gets interesting ; the person she is notarizing for is XXXX XXXX. XXXX signed on both assignments days apart according to the dates, and recorded on the same day 6 months later. We received 1116 pages ( Production of Documents ) from XXXX and Ocwen. In the production of documents there are 4 different mortgage assignments. The first and second assignment were both signed and notarized by the same people. In the production of documents there was a fourth assignment, this fourth assignment looks exactly the same as the second assignment, except that this fourth assignment was not recorded in public records. This fourth assignment is notarized in blank, same signatures, except nothing is filled out. The notary notarized the signature of XXXX but she notarized a blank document. This same fourth document was later filled in, whited out, crossed out and then filed in the county land records as assignment number two.. See Exhibit 4. <P/>The third assignment ( was ordered by XXXX and Ocwen ) ( this third assignment was done by XXXX ) was recorded in XX/XX/XXXX and assigned to XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX. This assignments looks a lot like the first two assignments, crossed out and a name of a company named XXXX XXXX XXXX XXXX XXXX who went out of business back in XXXX. XXXX XXXX is not listed with the SEC in that form, but is listed with the SEC as XXXX XXXX XXXX Trust. The name XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX Mortgage Asset-Backed Pass through Certificates Series XXXX is the name they are suing me in. We know that this name they are suing me in is not registered with the SEC. The SEC has it registered as XXXX XXXX  XXXX Trust, which by the way is the exact company conformed name listed with the SEC and reported to the SEC as being incorporated in XXXX. <P/>According to the FDIC, XXXX XXXX XXXX XXXX XXXX went out of business in XXXX. ( I believe XXXX took them over ) The cutoff date for any loans to go into the XXXX trust was XX/XX/XXXX. So, why would XXXX XXXX XXXX XXXX XXXX who went out of business in XXXX assign a mortgage to this alleged trust in XXXX and after the cutoff date? <P/>These trust filed papers with the SEC stating that all these trust are incorporated in XXXX. These Trust also filed papers with the SEC stating that these Trust are XXXX Trust. <P/>The fact is that neither S.O.S.s has any record of them registering in their State. They dont exist.","date_sent_to_company":"2017-05-31T00:34:04.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"976XX","tags":null,"has_narrative":true,"complaint_id":"2496502","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2017-05-30T23:39:41.000Z","state":"OR","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["It in fact appears that Plaintiff is not <em>registered</em> as a <em>legal</em> <em>entity</em> anywhere in the United States, including any of the states where Plaintiff claims to be <em>registered</em> and incorporated."]},"sort":[15.055748,"2496502"]},{"_index":"complaint-public-v1","_id":"5273860","_score":14.010442,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On 4 separate occasions within the past 6 months, I have requested that Experian permanently delete the tradelines they have compiled in the consumer file and consumer reports concerning me. I mailed disputes to Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I mailed my disputes to the address theyprovided and to their registered agent in my state. \n\nOn 4 occasions, they have failed or refused to delete defaming inaccurate and incomplete information, which is damaging my character, causing business disparagement, emotional distress, and mental anguish. I am being harassed by Experian 's failure to follow the Fair Credit Reporting Act 's requirement of ensuring maximum possible accuracy. \n\nI have been a victim of identity theft, and I requested that Experian delete all personal information that does not legally identify me, incorrect names and addresses to help with reducing my susceptibility to further identity theft. Experian has failed or refused to permanently delete addresses that do not belong to me, and that I have not furnished to them. \n\nExperian has failed or refused to permanently delete tradelines that are furnished by companies that do not legally exist. I have no recourse against these companies because they do not have registered agents in my state. Therefore, they must be deleted and never had permissible purpose to furnish any information about me or access the consumer file or consumer reports concerning me. \n\nCompanies in the consumer file and on consumer reports concerning me that do not exist are : 1. XXXX XXXX XXXX 2. XXXX 3 . XXXX XXXX XXXXXXXX 4. XXXX Experian has taken over 30 days, even over 45 days, to conduct their investigation, and reinvestigations. Experian has failed or refused to comply with FCRA 609 and provide me with full disclosure of everything they have in the consumer file concerning me. I requested it on XX/XX/XXXX, and I have yet to receive the physical copy as requested, or any acknowledgement that they needed more time. FCRA 609 says they only have 15 days to comply. \n\nAs the only person available with firsthand knowledge as to the accuracy and completeness of any information regarding my private financial matters, it is necessary for Experian to contact me directly prior to adding anything into the consumer file or furnishing any consumer reports to anyone. Experian has failed to do this even though I have requested this. No one else can validate or verify any accuracy of any tradeline, except me. Experian has shown a pattern of allowing entities ( legally formed and not ) to access the consumer file and consumer reports concerning me without any permissible purpose by law. I am being damaged by this. \n\nAttached are my dispute letters Experian has failed or refused to delete inaccurate and incomplete information in accordance with the Fair Credit Reporting Act. \n\nI have been trying to get Experian to comply with the Fair Credit Reporting Act regarding these accounts for over 18 months. Experian has shown a pattern of negligently and willfully violating the Fair Credit Reporting Act and my consumer rights.","date_sent_to_company":"2022-03-01T20:50:11.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"840XX","tags":null,"has_narrative":true,"complaint_id":"5273860","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-03-01T20:26:47.000Z","state":"UT","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":["Experian has shown a pattern of allowing <em>entities</em> ( <em>legally</em> formed and not ) to access the consumer file and consumer reports concerning me without any permissible purpose by law. I am being damaged by this. \n\nAttached are my dispute letters Experian has failed or refused to delete inaccurate and incomplete information in <em>accordance</em> with the Fair Credit Reporting Act. \n\nI have been trying to get Experian to comply with the Fair Credit Reporting Act regarding these accounts for over 18 months."]},"sort":[14.010442,"5273860"]},{"_index":"complaint-public-v1","_id":"11850801","_score":12.334429,"_source":{"product":"Credit card","complaint_what_happened":"As the noteholder and investor in the securities issued by Discover Card Execution Note Trust, I am writing to formally notify Discover Bank ( Servicer, Account Owner, Administrator ), Discover Funding LLC ( Transferor ), Discover Card Execution Note Trust ( Issuing Entity ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Indenture Trustee, Collateral Agent ) of their failure to fulfill their contractual and fiduciary obligations under the Trust Indenture Act of 1939, the Uniform Commercial Code ( UCC ), and the governing indenture agreement. Despite my ongoing efforts, I have experienced multiple breaches in my dealings with these parties, leading to significant harm to my interests as a noteholder. \n\nFirstly, there has been a failure to pay interest as required under the indenture agreement. Despite the clear contractual obligation to make regular interest payments to me as the noteholder, I have not received any interest payments. This constitutes a material breach of the terms outlined in the agreement, and the failure to meet these obligations undermines the trust and responsibility placed on your institutions. \n\nIn addition, I have submitted securities for several months with the expectation that they would be processed and credited accordingly to my account. However, these securities have been rejected and ignored by the appropriate parties. The Indenture Trustee, as the designated fiduciary responsible for ensuring the proper handling of such securities, has failed to act in its role to process them properly. This failure has not only resulted in financial losses but also significantly disrupted the integrity of the process. \n\nFurther, I have submitted full payment of {$5600.00} for the XX/XX/XXXX XX/XX/XXXX billing cycle, due XX/XX/XXXX, via registered mail ( Tracking # XXXX ). This payment is legal tender and must be processed as any negotiable instrument under UCC 3-604. Despite this, my payment has not been processed in accordance with the law, and this breach further exacerbates the failure to fulfill the contractual obligations owed to me. Additionally, I demand that all my securities submitted over the past several months be credited to my account immediately.\n\nThe parties involved have specific duties under the indenture agreement, and these have not been met. Discover Bank, in its role as Servicer, Account Owner, and Administrator, is responsible for servicing the accounts, managing payments, and ensuring timely distributions to noteholders. Discover Funding LLC, acting as the Transferor, is responsible for transferring receivables to the trust for securitization. As the Issuing Entity, Discover Card Execution Note Trust issues asset-backed securities and ensures the proper allocation of funds to investors. Finally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as the Indenture Trustee and Collateral Agent, is responsible for protecting the interests of noteholders, ensuring compliance with the indenture, and processing funds appropriately in accordance with the agreement. Unfortunately, these responsibilities have not been fulfilled, and I find myself in a situation where I am not receiving what I am rightfully owed.\n\nGiven these defaults, I hereby demand immediate action to correct the breaches of contract and fiduciary duty. Under the Uniform Commercial Code ( specifically Articles 3 and 9 ), as well as the Uniform Trust Code, I am entitled to the disbursement of overdue interest payments and the proper crediting of my account for the securities that I have submitted. Additionally, I insist that the Indenture Trustee take the necessary steps to ensure that these securities are processed properly and that all parties meet their obligations under the indenture agreement.\n\nIf these defaults are not cured, I will have no choice but to pursue legal remedies, including arbitration, regulatory complaints, reporting to the U.S. Securities and Exchange Commission ( SEC ), and the enforcement of my rights under federal and state laws. I trust that you will take this matter seriously and act promptly to resolve these issues.\n\nThis letter serves as a formal demand for compliance, and I expect a prompt written response detailing the corrective actions that will be taken to address these defaults.","date_sent_to_company":"2025-01-30T16:59:39.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"10025","tags":null,"has_narrative":true,"complaint_id":"11850801","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2025-01-30T16:49:49.000Z","state":"NY","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Further, I have submitted full payment of {$5600.00} for the XX/XX/XXXX XX/XX/XXXX billing cycle, due XX/XX/XXXX, via <em>registered</em> mail ( Tracking # XXXX ). This payment is <em>legal</em> tender and <em>must</em> be processed as any negotiable instrument under UCC 3-604. Despite this, my payment has not been processed in <em>accordance</em> with the law, and this breach further exacerbates the failure to fulfill the contractual obligations owed to me."]},"sort":[12.334429,"11850801"]},{"_index":"complaint-public-v1","_id":"11856894","_score":12.327366,"_source":{"product":"Credit card","complaint_what_happened":"As the noteholder and investor in the securities issued by Chase XXXX XXXX, I am writing to formally notify JPMorgan Chase Bank , N.A . ( Servicer, Account Owner, XXXX ), Chase XXXX XXXX XXXX ( Transferor ), Chase Issuance Trust ( Issuing Entity ), and XXXX XXXX XXXX, XXXX. ( Indenture Trustee, Collateral Agent ) of their failure to fulfill their contractual and fiduciary obligations under the Trust Indenture Act of 1939, the Uniform Commercial Code ( UCC ), and the governing indenture agreement. Despite my ongoing efforts, I have experienced multiple breaches in my dealings with these parties, leading to significant harm to my interests as a noteholder. \n\nFirstly, there has been a failure to pay interest as required under the indenture agreement. Despite the clear contractual obligation to make regular interest payments to me as the noteholder, I have not received any interest payments. This constitutes a material breach of the terms outlined in the agreement, and the failure to meet these obligations undermines the trust and responsibility placed on your institutions. \n\nIn addition, I have submitted securities for several months with the expectation that they would be processed and credited accordingly to my account. However, these securities have been rejected and ignored by the appropriate parties. The Indenture Trustee, as the designated fiduciary responsible for ensuring the proper handling of such securities, has failed to act in its role to process them properly. This failure has not only resulted in financial losses but also significantly disrupted the integrity of the process. \n\nFurther, I have submitted full payment of {$2200.00} for the XX/XX/XXXX XX/XX/XXXX billing cycle, due in XX/XX/XXXX, via registered mail ( Tracking # XXXX ). This payment is legal tender and must be processed as any negotiable instrument under UCC 3-604. Despite this, my payment has not been processed in accordance with the law, and this breach further exacerbates the failure to fulfill the contractual obligations owed to me. Additionally, I demand that all my securities submitted over the past several months be credited to my account immediately. \n\nThe parties involved have specific duties under the indenture agreement, and these have not been met. JPMorgan Chase, in its role as Servicer, Account Owner, and Administrator, is responsible for servicing the accounts, managing payments, and ensuring timely distributions to noteholders. Chase Card Funding, acting as the Transferor, is responsible for transferring receivables to the trust for securitization. As the Issuing Entity, Chase Issuance Trust issues asset-backed securities and ensures the proper allocation of funds to investors. Finally, Computershare Trust Company, as the Indenture Trustee and Collateral Agent, is responsible for protecting the interests of noteholders, ensuring compliance with the indenture, and processing funds appropriately in accordance with the agreement. Unfortunately, these responsibilities have not been fulfilled, and I find myself in a situation where I am not receiving what I am rightfully owed. \n\nGiven these defaults, I hereby demand immediate action to correct the breaches of contract and fiduciary duty. Under the Uniform Commercial Code ( specifically Articles XXXX and XXXX ), as well as the Uniform Trust Code, I am entitled to the disbursement of overdue interest payments and the proper crediting of my account for the securities that I have submitted. Additionally, I insist that the Indenture Trustee take the necessary steps to ensure that these securities are processed properly and that all parties meet their obligations under the indenture agreement. \n\nIf these defaults are not cured, I will have no choice but to pursue legal remedies, including arbitration, regulatory complaints, reporting to the XXXX Securities and Exchange Commission ( SEC ), and the enforcement of my rights under federal and state laws. I trust that you will take this matter seriously and act promptly to resolve these issues. \n\nThis letter serves as a formal demand for compliance, and I expect a prompt written response detailing the corrective actions that will be taken to address these defaults.","date_sent_to_company":"2025-01-30T15:46:09.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"10025","tags":null,"has_narrative":true,"complaint_id":"11856894","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-01-30T15:33:30.000Z","state":"NY","company_public_response":null,"sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Further, I have submitted full payment of {$2200.00} for the XX/XX/XXXX XX/XX/XXXX billing cycle, due in XX/XX/XXXX, via <em>registered</em> mail ( Tracking # XXXX ). This payment is <em>legal</em> tender and <em>must</em> be processed as any negotiable instrument under UCC 3-604. Despite this, my payment has not been processed in <em>accordance</em> with the law, and this breach further exacerbates the failure to fulfill the contractual obligations owed to me."]},"sort":[12.327366,"11856894"]},{"_index":"complaint-public-v1","_id":"10937966","_score":11.974421,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, I made afternoon this matter has become much worse, made a call to the provide and searched contact information for XXXX call, was asked to provide personal information such as SS account number to access an live operator, or no contact/hang up if not provided. I was then immediate transfer to another company called IC System by the : 1st called operator : I C system, located in Minnesota, was hung up on for asking question and not providing personal information. \nTime : 46secs 2nd called operator : continuous ask for extra personal information as well, hung up without explanation or disclosure of whom I was transferred to by XXXX. \nTime : 2mins and 24secs 3rd called operator : Was politer and more provided me with a mailable XXXX XXXX. XXXX, put continue the same behavior as the 1st and 2nd, and chose to discontinue the converse same way. \nTime : 5mins and 40sec 4th called operator : Just to seek information, as operator told me my file was given to them, was politer as well but non-informational too, and discontinue the converse on the statement of without further information they have to release this call. \nTime : 13 mins and 45secs Here are my direct issues by Minnesota Laws, with their conduct : Hanging up on consumers during phone calls Failing to provide full name of collection agency as it appears on license Failing to properly identify themselves during calls Abruptly ending calls when consumers exercise their rights Failing to include required disclosure : \" This collection agency is licensed by the Minnesota Department of Commerce '' Must be properly licensed to operate in Minnesota Here are my direct issues by California laws, with their conduct be they were not licensing until this year : Operating without proper licensing prior to compliance requirements Engaging in unlawful, unfair, deceptive, or abusive debt collection practices Subject to DFPI investigation in XXXX as part of the first major action under CCFPL Operating without required California license after XX/XX/XXXX Using unfair or deceptive practices Making false representations An addition potential violation regarding debt collection practices. During my review of the collection attempts, I have identified more concerns and discrepancies with name verifications. The debt collector, I C System Inc., claims to be collecting on behalf of XXXX for when you call the number provide on credit report it auto directs to I C System Inc. after few provide formal phone number. However, I C System Inc. is not listed as an authorized collection agency for any of XXXXXXXX XXXX registered business entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX \nMy documentation concerns theres hasnt been any provided establishing the relationship between I C System Inc. and any XXXX entity. The collection agency has failed to establish their legal right to collect this debt, ostracizing me when requested to provide verification of their authority to collect on behalf of XXXX by continuously hanging up the phone when contacted for further information, I C System Inc. has failed to provide or verify association between I C System Inc. but states : they sent your file to us. \nI C System Inc. has failed to provide or verify association and any registered XXXX XXXXntity raises serious concerns about the legitimacy of their collection authority and may constitute violations of both FDCPA and FCRA guidelines regarding proper debt collection practices. '' I believe XXXX 's actions constitute a willful violation of the FCRA by continuing to report inaccurate information by reporting any of these misleading and deceptive information that has significantly impacted my credit score, ostracizing me from any ; and all financial, equitable opportunity to live free. \n\nI graciously request that the CFPB investigate this matter, to work in tandem you, to fulfill the lawful requirements for to correct their reporting practices in accordance with FCRA guidelines. \nComplaint has been submitted to FCC about XXXX involvement of debt parking practices.","date_sent_to_company":"2024-11-26T03:06:55.000Z","issue":"Written notification about debt","sub_product":"Telecommunications debt","zip_code":"90405","tags":null,"has_narrative":true,"complaint_id":"10937966","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2024-11-26T02:49:25.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Notification didn't disclose it was an attempt to collect a debt"},"highlight":{"complaint_what_happened":["However, I C System Inc. is not listed as an authorized collection agency for any of XXXXXXXX XXXX <em>registered</em> business <em>entities</em> : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX \nMy documentation concerns theres hasnt been any provided establishing the relationship between I C System Inc. and any XXXX <em>entity</em>."]},"sort":[11.974421,"10937966"]},{"_index":"complaint-public-v1","_id":"5273131","_score":11.80247,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On 4 separate occasions within the past 6 months, I have requested that Trans Union permanently delete the tradelines they have compiled in the consumer file and consumer reports concerning me. I mailed disputes to Trans Union on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have mailed my disputes to their noted address and their registered agent in my state. \nOn 4 occasions, they have failed or refused to delete defaming inaccurate and incomplete information, which is damaging my character, causing business disparagement, emotional distress, and mental anguish. I am being harassed by Trans Unions failure to follow the Fair Credit Reporting Act 's requirement of ensuring maximum possible accuracy. \n\nI have been a victim of identity theft, and I requested that Trans Union delete all personal information that does not legally identify me, incorrect names and addresses to help with reducing my susceptibility to further identity theft. Trans Union has failed or refused to permanently delete addresses that do not belong to me, and that I have not furnished to them. \n\nTrans Union has failed or refused to permanently delete tradelines that are furnished by companies that do not legally exist. I have no recourse against these companies because they do not have registered agents in my state. Therefore, they must be deleted and never had permissible purpose to furnish any information about me or access the consumer file or consumer reports concerning me. \n\nCompanies in the consumer file and on consumer reports concerning me that do not exist are : 1. XXXX XXXX XXXX XXXX OF XXXX XXXXXXXX XXXX  There is even one tradeline account that Trans Union is reporting that doesn't even have a company name. I've requested the deletion multiple times and Trans Union still refuses. I will include the account number below. \n\nI have never done business with XXXX XXXX XXXX XXXX, and do not give them permission to furnish any information about me. It appears to be medical information that they are furnishing, which is a violation of my privacy rights, HIPAA laws, FCRA 604 ( g ) [ 15 USC 1681b ( g ) ], and 45 CFR parts 160, 162, and 164. This tradeline needs to be deleted immediately. \n\nI did not give XXXX XXXX permission to access the consumer file or a consumer report concerning me on XX/XX/XXXX. Trans Union failed or refuses to delete this unauthorized inquiry despite my demand for its removal. \n\nTrans Union has taken over 30 days, even over 45 days, to conduct their investigation, and reinvestigations. Trans Union has failed or refused to comply with FCRA 609 and provide me with full disclosure of everything they have in the consumer file concerning me. I requested it on XX/XX/XXXX, and I have yet to receive the physical copy as requested, or any acknowledgement that they needed more time. FCRA 609 says they only have 15 days to comply. \n\nAs the only person available with firsthand knowledge as to the accuracy and completeness of any information regarding my private financial matters, it is necessary for Trans Union to contact me directly prior to adding anything into the consumer file or furnishing any consumer reports to anyone. Trans Union has failed to do this even though I have requested this. No one else can validate or verify any accuracy of any tradeline, except me. Trans Union has shown a pattern of allowing entities ( legally formed and not ) to access the consumer file and consumer reports concerning me without any permissible purpose by law. I am being damaged by this. \n\nAttached are my dispute letters Trans Union has failed or refused to delete inaccurate and incomplete information in accordance with the Fair Credit Reporting Act. \n\nI have been trying to get Trans Union to comply with the Fair Credit Reporting Act regarding these accounts for over 18 months. Trans Union has shown a pattern of negligently and willfully violating the Fair Credit Reporting Act and my consumer rights.","date_sent_to_company":"2022-03-01T18:59:20.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"840XX","tags":null,"has_narrative":true,"complaint_id":"5273131","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-03-01T18:04:26.000Z","state":"UT","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":["Trans Union has shown a pattern of allowing <em>entities</em> ( <em>legally</em> formed and not ) to access the consumer file and consumer reports concerning me without any permissible purpose by law. I am being damaged by this. \n\nAttached are my dispute letters Trans Union has failed or refused to delete inaccurate and incomplete information in <em>accordance</em> with the Fair Credit Reporting Act."]},"sort":[11.80247,"5273131"]},{"_index":"complaint-public-v1","_id":"5273781","_score":11.79635,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On 4 separate occasions within the past 6 months, I have requested that Equifax permanently delete the tradelines they have compiled in the consumer file and consumer reports concerning me. I mailed disputes to Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I mailed my disputes to the address theyprovided and to their registered agent in my state. \n\nOn 4 occasions, they have failed or refused to delete defaming inaccurate and incomplete information, which is damaging my character, causing business disparagement, emotional distress, and mental anguish. I am being harassed by Equifax 's failure to follow the Fair Credit Reporting Act 's requirement of ensuring maximum possible accuracy. \n\nI have been a victim of identity theft, and I requested that Equifax delete all personal information that does not legally identify me, incorrect names and addresses to help with reducing my susceptibility to further identity theft. Equifax has failed or refused to permanently delete addresses that do not belong to me, and that I have not furnished to them. \n\nEquifax has failed or refused to permanently delete tradelines that are furnished by companies that do not legally exist. I have no recourse against these companies because they do not have registered agents in my state. Therefore, they must be deleted and never had permissible purpose to furnish any information about me or access the consumer file or consumer reports concerning me. \n\nCompanies in the consumer file and on consumer reports concerning me that do not exist are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with billing errors in violation of the Title 12 Code of Federal Regulation Part 1026.13 ( 12 CFR 1026.13 ) also noted at 15 USC 1666 . Permanently delete LATE payment history from : XXXX. XXXX XXXX XXXX  I have never been late on the account with XXXX XXXX XXXX. This billing error is causing me damage, and I have not been provided certified proof of documentation that contradicts my dispute. Furnishing transactional history is a violation of FCRA 603 ( b ) ( 2 ) ( A ) ( i ).\n\n8. There is even one tradeline account that Equifax is reporting that doesn't even have a company name. I've requested the deletion multiple times and Equifax still refuses. I will include the account number below.\n\nEquifax has taken over 30 days, even over 45 days, to conduct their investigation, and reinvestigations. Equifax has failed or refused to comply with FCRA 609 and provide me with full disclosure of everything they have in the consumer file concerning me. I requested it on XX/XX/XXXX, and I have yet to receive the physical copy as requested, or any acknowledgement that they needed more time. FCRA 609 says they only have 15 days to comply. \n\nAs the only person available with firsthand knowledge as to the accuracy and completeness of any information regarding my private financial matters, it is necessary for Equifax to contact me directly prior to adding anything into the consumer file or furnishing any consumer reports to anyone. Equifax has failed to do this even though I have requested this. No one else can validate or verify any accuracy of any tradeline, except me. Equifax has shown a pattern of allowing entities ( legally formed and not ) to access the consumer file and consumer reports concerning me without any permissible purpose by law. I am being damaged by this. \n\nAttached are my dispute letters Equifax has failed or refused to delete inaccurate and incomplete information in accordance with the Fair Credit Reporting Act. \n\nI have been trying to get Equifax to comply with the Fair Credit Reporting Act regarding these accounts for over 18 months. Equifax has shown a pattern of negligently and willfully violating the Fair Credit Reporting Act and my consumer rights.","date_sent_to_company":"2022-03-01T20:23:43.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"840XX","tags":null,"has_narrative":true,"complaint_id":"5273781","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-03-01T20:23:40.000Z","state":"UT","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have no recourse against these companies because they do not have <em>registered</em> agents in my state. Therefore, they <em>must</em> be deleted and never had permissible purpose to furnish any information about me or access the consumer file or consumer reports concerning me."]},"sort":[11.79635,"5273781"]},{"_index":"complaint-public-v1","_id":"5273629","_score":11.78767,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On 4 separate occasions within the past 6 months, I have requested that Equifax permanently delete the tradelines they have compiled in the consumer file and consumer reports concerning me. I mailed disputes to Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I mailed my disputes to the address theyprovided and to their registered agent in my state. \n\nOn XXXX occasions, they have failed or refused to delete defaming inaccurate and incomplete information, which is damaging my character, causing business disparagement, emotional distress, and mental anguish. I am being harassed by Equifax 's failure to follow the Fair Credit Reporting Act 's requirement of ensuring maximum possible accuracy. \n\nI have been a victim of identity theft, and I requested that Equifax delete all personal information that does not legally identify me, incorrect names and addresses to help with reducing my susceptibility to further identity theft. Equifax has failed or refused to permanently delete addresses that do not belong to me, and that I have not furnished to them. \n\nEquifax has failed or refused to permanently delete tradelines that are furnished by companies that do not legally exist. I have no recourse against these companies because they do not have registered agents in my state. Therefore, they must be deleted and never had permissible purpose to furnish any information about me or access the consumer file or consumer reports concerning me. \n\nCompanies in the consumer file and on consumer reports concerning me that do not exist are : 1. XXXX XXXX XXXX 2. XXXX  3 . XXXX XXXX  XXXX 4. XXXX XXXX. XXXX Tradelines with billing errors in violation of the Title 12 Code of Federal Regulation Part 1026.13 ( 12 CFR 1026.13 ) also noted at 15 USC 1666 . Permanently delete LATE payment history from : 7. XXXX XXXX XXXX I have never been late on the account with XXXX XXXX XXXX. This billing error is causing me damage, and I have not been provided certified proof of documentation that contradicts my dispute. Furnishing transactional history is a violation of FCRA 603 ( b ) ( 2 ) ( A ) ( i ). \n\n8. There is even one tradeline account that Equifax is reporting that doesn't even have a company name. I've requested the deletion multiple times and Equifax still refuses. I will include the account number below. \n\nEquifax has taken over 30 days, even over 45 days, to conduct their investigation, and reinvestigations. Equifax has failed or refused to comply with FCRA XXXX and provide me with full disclosure of everything they have in the consumer file concerning me. I requested it on XX/XX/XXXX, and I have yet to receive the physical copy as requested, or any acknowledgement that they needed more time. FCRA 609 says they only have 15 days to comply. \n\nAs the only person available with firsthand knowledge as to the accuracy and completeness of any information regarding my private financial matters, it is necessary for Equifax to contact me directly prior to adding anything into the consumer file or furnishing any consumer reports to anyone. Equifax has failed to do this even though I have requested this. No one else can validate or verify any accuracy of any tradeline, except me. Equifax has shown a pattern of allowing entities ( legally formed and not ) to access the consumer file and consumer reports concerning me without any permissible purpose by law. I am being damaged by this. \n\nAttached are my dispute letters Equifax has failed or refused to delete inaccurate and incomplete information in accordance with the Fair Credit Reporting Act. \n\nI have been trying to get Equifax to comply with the Fair Credit Reporting Act regarding these accounts for over 18 months. Equifax has shown a pattern of negligently and willfully violating the Fair Credit Reporting Act and my consumer rights.","date_sent_to_company":"2022-03-01T20:23:30.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"840XX","tags":null,"has_narrative":true,"complaint_id":"5273629","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-03-01T19:43:03.000Z","state":"UT","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Equifax has shown a pattern of allowing <em>entities</em> ( <em>legally</em> formed and not ) to access the consumer file and consumer reports concerning me without any permissible purpose by law. I am being damaged by this. \n\nAttached are my dispute letters Equifax has failed or refused to delete inaccurate and incomplete information in <em>accordance</em> with the Fair Credit Reporting Act. \n\nI have been trying to get Equifax to comply with the Fair Credit Reporting Act regarding these accounts for over 18 months."]},"sort":[11.78767,"5273629"]},{"_index":"complaint-public-v1","_id":"7884953","_score":10.679486,"_source":{"product":"Credit card","complaint_what_happened":"Ref # XXXX On XX/XX/XXXX I applied for an extension of credit with American Express on their consumer credit application online. There was no option to opt out of the credit check considering it can not lawfully be considered in pursuant to the Equal Credit Opportunity Act, the Privacy Act of 1974 and the Fair Credit Reporting Act. There would be no Permissible Purpose to run a credit check understanding that it is discrimination under the law. I was immediately denied based on FICO score in which I never intended to give permission for person or entity to share my private information. I called to put them on notice but was met with resistance and deflection. I send this notice via Registered Email on XXXX XXXX XXXX to XXXX XXXX XXXX Chief Financial Officer to XXXX and XXXX XXXX XXXX XXXX XXXX, Underwriting Credit Risk to XXXX -- -- Quote -- -- ATTEN : NOTICE OF UNLAWFUL DENIAL OF CREDIT NOTICE TO PRINCIPAL IS NOTICE TO AGENT - NOTICE TO AGENT IS NOTICE TO PRINCIPAL This is not a letter but a legal Notice. You are now put on notice that American Express and agents have unlawfully denied XXXX XXXX an extension of his own credit. You are in violation of 15 USC 1611 - Faults and misleading denial of own credit on a consumer credit transaction. Restraint of Trade is prohibited pursuant to 15 U.S. Code 1 and you will be liable and be subject to a penalty up to {>= $1,000,000}. Your letter states that denial was determined by XXXX XXXX FICO score in which your application did not extend the opportunity to opt out pursuant to 12 CFR 1016.7. The Fair Credit Opportunity Act and Equal Credit Opportunity Act prohibits discrimination based on credit history which does not accurately reflect the applicant 's creditworthiness. \n\nNotice, it is a fact that XXXX XXXX is the holder in due course on the consumer credit application and must be returned for value. In accordance with 12 U.S. Code 412, XXXX XXXX granted and authorized a consumer credit application to American Express that was accepted in exchange for a finance charge on a purchase money loan pursuant to definitions in 16 CFR 433.1. That application was not returned for the value requested. \n\nNotice, it is a fact, that Banks and Financial Institutions such as American Express DO NOT loan or extend credit of their own assets pursuant to 12 USC 1431 and thus are not creditors but debtors. Banks and Financial Institutions borrow and give security therefore and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve. It is a fact that American Express is required to follow the Generally Accepted Accounting Principles ( GAAP ). \n\nXXXX XXXX will conditionally accept the offer upon receipt that American Express is extending credit from American Expresss own assets, proof of claim that you can lawfully deny extension of credit on a consumer credit transaction, and a listing of all the factors you considered in this consumer transaction. Respond to XXXX XXXX within seven ( 7 ) days from the receipt of this notice. Failure to comply will result in damages equaling but not limited to the value of the application plus for each violation of Constitutional and consumer rights. Also, failure to respond will be accepted as DEFAULT and a complaint will be filed with the FDIC and SEC for securities fraud in accordance with the Securities Exchange Act in violation of 18 U.S. Code 1348 and 15 U.S. Code 1 - Trusts, etc., in restraint of trade. If you do not comply with this request it will be accepted that you will perform in accordance to the application and send the credit card to XXXX XXXX forth with. \n\nNotice it is further understood that XXXX XXXX has Reserved All his Rights in accordance with UCC 1-308. Regardless of the reason for denial I have the right to credit and withholding my access to my securities is security fraud. You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. If American Express chooses to stay in dishonor by denying credit, XXXX XXXX demands you to retract the application and send receipt of that retraction to the address herein and a claim will be filed in a court of competent jurisdiction. \n\nI have yet to receive a response.","date_sent_to_company":"2023-11-21T22:39:46.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"7884953","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-11-21T22:01:07.000Z","state":"TX","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["I send this notice via <em>Registered</em> Email on XXXX XXXX XXXX to XXXX XXXX XXXX Chief Financial Officer to XXXX and XXXX XXXX XXXX XXXX XXXX, Underwriting Credit Risk to XXXX -- -- Quote -- -- ATTEN : NOTICE OF UNLAWFUL DENIAL OF CREDIT NOTICE TO PRINCIPAL IS NOTICE TO AGENT - NOTICE TO AGENT IS NOTICE TO PRINCIPAL This is not a letter but a <em>legal</em> Notice. You are now put on notice that American Express and agents have unlawfully denied XXXX XXXX an extension of his own credit."]},"sort":[10.679486,"7884953"]},{"_index":"complaint-public-v1","_id":"2569484","_score":10.545092,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"This is a continuance of my previous complaint #   XXXX    against Car FInance Capital and   XXXX   XXXX   XXXX   who has failed to answer specific questions that I have been asking since XX/XX/XXXX . It is because of their refusal to disprove my allegations that I made a conscious decision to discontinue payments to them based upon my belief and now proof that both the dealer   XXXX   XXXX   XXXX   XXXX  . the dealer and CarFinance have committed fraud, conversion of property and Identity theft.\n<P/>\nTheir response is grossly insufficient and does not answer specific questions. By their own admission they have acknowledged that these same questions have been asked previously and that they have refused to answer them.\n<P/>\nIn spite of the simplicity to answer my questions the Companies have avoided answering deliberately. I am therefore going to restate my questions and require that the companies answer with specificity providing the statute, code, or public policy in support of their answer.\n<P/>\nMy questions are as follows : Q : ( 1 ) What statute or law are you relying upon to determine that this transaction is anything other than a \" Consumer Credit Transaction ''?\nQ : ( 2 ) 18 USC section 31 defines the term \" Motor Vehicle '' what statute have you relied upon to determine that my \" Automobile '' is being used for commercial use or for hire purposes on the highways of the State of North Carolina ''?\nQ : ( 3 ) 15 USC 1602 ( i ) defines \" Consumer Transaction '' as ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. Q : ( 4 ) What statute are you relying upon to have converted this transaction in to a commercial transaction for the purchase of a \" Motor Vehicle ''?\nQ : ( 5 ) The Truth in Lending Act regulates the disclosure of terms regarding all \" Consumer Credit Transactions '' including the right of rescission. You have admitted twice previously that you are aware that my automobile was being used for personal, family, and household purposes and not commercial.\nThe Truth in Lending Act Reg. Z Exempts certain transactions. They are as follows : Summary of Coverage Considerations 226.1 & 226.2 Lenders must carefully consider several factors when deciding whether a loan requires Truth in Lending disclosures or is subject to other Regulation Z requirements. The coverage considerations under Regulation Z are addressed in more detail in the commentary to Regulation Z. For example, broad coverage considerations are included under section 226.1 ( c ) of the regulation and relevant definitions appear in section 226.2.\nExempt Transactions 226.3 The following transactions are exempt from Regulation Z : Credit extended primarily for a business, commercial, or agricultural purpose ; Credit extended to other than a natural person ( including credit to government agencies or instrumentalities ) ; Credit in excess of {$25.00} thousand not secured by real or personal property used as the principal dwelling of the consumer ; Public utility credit ; Credit extended by a broker-dealer registered with the Securities and Exchange Commission ( SEC ) or the Commodity Futures Trading Commission ( CFTC ), involving securities or commodities accounts ; Home fuel budget plans ; and Certain student loan programs.\nFootnote 4 : If a credit card is involved, generally exempt credit ( e.g., business or agricultural purpose credit ) is still subject to requirements that govern the issuance of credit cards and liability for their unauthorized use. Credit cards must not be issued on an unsolicited basis and, if a credit card is lost or stolen, the cardholder must not be held liable for more than {$50.00} for the unauthorized use of the card.\n<P/>\nWhen determining whether credit is for consumer purposes, the creditor must evaluate all of the following : Any statement obtained from the consumer describing the purpose of the proceeds.\n- For example, a statement that the proceeds will be used for a vacation trip would indicate a consumer purpose.\n- If the loan has a mixed-purpose ( e.g., proceeds will be used to buy a car that will be used for personal and business purposes ), the lender must look to the primary purpose of the loan to decide whether disclosures are necessary. A statement of purpose from the consumer will help the lender make that decision.\n- A checked box indicating that the loan is for a business purpose, absent any documentation showing the intended use of the proceeds, could be insufficient evidence that the loan did not have a consumer purpose.\nQ. ( 6 ) Your Contract states on page ( 1 ) near the bottom center of the page in BOLD TYPE \" NO COOLING OFF PERIOD '' State law does not provide for a 'cooling off '' or cancellation period for this sale. After you sign this contract, you may only cancel it if the seller agrees or for legal cause. You can not cancel this contract simply because you change your mind.\n<P/>\nQ : ( 7 ) What law are you relying upon to supersede the Federal Truth in Lending Act Reg. Z?\n<P/>\n15 USC 1692 ( i ) ( 2 ) ( a ) and ( b ) requires you to bring forth a legal action in a Judicial district or similar legal entity in the collection of any consumer credit transaction.\n( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.\n<P/>\nQ : ( 8 ) What legal authority are you relying upon to have repossessed my \" Automobile ''?\n<P/>\nUCC-9-109 ( 23 ) defines Consumer Goods as goods that are used or bought for use primarily for personal, family or household purposes.\nQ : ( 9 ) What legal authority are you relying upon to have converted this Consumer Credit Transaction for consumer goods into a Commercial Transaction or \" Equipment '' as defined at UCC-9-109-2,.\n<P/>\nQ : ( 10 ) Did you at anytime advise me that I was not required to sign a \" Motor Vehicle Title Application ''?\nQ : ( 10 ) What legal authority have you taken my name and applied it to your contract spelled as a mis-nomer utilizing all CAPITAL LETTERS?\n<P/>\nQ : ( 11 ) I have rescinded this contract pursuant to the Truth in lending Reg Z 15 USC 1692 ( i ), and provided you with an invoice for the return of all monies expended as the result of this fraudulent contract. When will you be refunding my money?\nIf not what is the legal basis for your refusal to refund?\n<P/>\nQ : ( 12 ) Your letter i.e. Notice of your Plan to Sell property dated 6/14/2017 has an account # on it that is not my account number why is this? provide the legal basis as to why there is a different account than my previous account number.\n<P/>\nThis is another reason why I need a full validation of this debt as requested for the 3rd time below.\n<P/>\nThis is a dispute of a debt pursuant to 15 U.S.C. 1692 ( g ) I am also requiring again that you provide verification of this alleged loan through audit certification of debt entry in accordance with \" G.A.A.P. General Acceptable Accounting Principles '', \" Basel 3 Accord '' and \" U.N.C.I.T.R.A.L Convention ''.\n<P/>\nIn your last letter you stated that it is not   XXXX   XXXX   XXXX   practice to respond to such correspondence unless new allegations are raised. This is a dispute of a debt and under the FDCPA 15 USC 1692 ( a ), ( c ), ( d ), ( e ), ( f ), ( g ), ( i ) all of which you are violating you are required to respond. Your actions are also a violation of my civil rights under 42 USC section 1983 and various fraud statutes.\n<P/>\nIf you are operating within the framework of the law it should be pretty simple to respond by pointing me to the laws upon which you are operating. A lack of response as previously stated will be deemed an admission of the facts by CarFinance and   XXXX   XXXX   XXXX   as I have stated them.\n<P/>\nGovern yourselves accordingly,","date_sent_to_company":"2017-07-09T19:01:38.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"282XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2569484","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CarFinance Capital LLC, Irvine, CA Branch","date_received":"2017-07-09T14:18:26.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Fraudulent loan"},"highlight":{"complaint_what_happened":["<P/>\n15 USC 1692 ( i ) ( 2 ) ( a ) and ( b ) requires you to bring forth a <em>legal</em> action in a Judicial district or similar <em>legal</em> <em>entity</em> in the collection of any consumer credit transaction.\n( a ) Venue Any debt collector who brings any <em>legal</em> action on a debt against any consumer shall -- ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar <em>legal</em> <em>entity</em> in which such real property is located"]},"sort":[10.545092,"2569484"]},{"_index":"complaint-public-v1","_id":"2714440","_score":10.409136,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"There are several variations of XXXX XXXX XXXX name so here is the EIN number XXXX\n\nMy family and I were badly affected by Hurricane Irma. We were forced to evacuate ( mandatory ) and were on the road for 7 days without hot water, hot meals or electricity. As a result of being forced to drive across the state of Florida ( length and width ) to escape the storm, we exhausted our on hand savings. The work contracts I had with 4 different companies was affected as well. 3 cancelled permanently. I brought this to Lending Club's attention and was basically brushed aside. Finally after writing the entire executive team - I was offered the scarcest of natural disaster assistance plans.  Zero  reprieve, and interest only payments which were essentially due immediately. Instead of keeping to this plan, Lending Club then attempted an unauthorized withdrawal from my account of $XXXX+ dollars from the agreed upon terms shown below in this email from Lending Club -\n\n ---------- Forwarded message ----------\nFrom: Lending Club \nDate: Wed, XX/XX/XXXX at XXXX XXXX\nSubject: [Lending Club] Re: Your Hardship Plan Offer\nTo: XXXX XXXX \n\n\n##- Please type your reply above this line -##\n\nPayment Solutions (Lending Club)\nXX/XX/XXXX XXXX   PDT\n\nHi XXXX,\n\nWe are happy to hear that a hardship plan may work for you. Please review the next steps listed below.\n\nStep 1: Review plan details\n* Hardship plan interest-only payments will be in the amount of: $XXXX\n* Hardship plan will start and end: XX/XX/XXXX and XX/XX/XXXX\n* Original loan maturity date: XX/XX/XXXX\n* New loan maturity date: XX/XX/XXXX\n* Estimated amount of additional interest added to the loan as a result of modifying loan terms: $XXXX\n* The final contractual payment at the end of the loan is estimated to be: $XXXX\n* The regular contractual payments of $XXXX will resume: XX/XX/XXXX\n\nBy taking advantage of this hardship program, your account status will be reported to the credit bureaus:\n* The same as the status it was at the time of the hardship payment plan approval. \n* As current upon successful completion of the trial period.\n* With the past-due status as calculated from your original delinquency, if any, if the trial period is unsuccessful.\n\nStep 2: Choose a payment method\n* ACH debits: Please confirm that we have your correct bank account, (XXXX XXXX XXXX   Checking account ending in XXXX), on file. Also, that you, XXXX XXXX   authorize LendingClub to withdraw from your Checking account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for the amount of $XXXX for your hardship plan payments. Finally, that we have your authorization to ACH debit this account on the date(s) described. By choosing this method, you are confirming all information is accurate and that we have authorization to proceed.\n* Mail-in check payments: If you choose this option, we will provide a mailing address for you to send your check payments in your hardship plan confirmation letter.\n\nStep 3: Respond\nTo move forward with this plan, please respond to this email immediately with the payment method you have chosen.\n\nOnce you confirm the hardship plan details, payment method, and dates, we will email you a confirmation letter within 3 business days.\n\nIf you have any questions, please get in touch with us at XXXX or by email at XXXX. Our business hours are Monday through Friday from XXXX XXXX to XXXX XXXX, and Saturday from XXXX XXXX to XXXX XXXX Pacific Time.\n\nBest regards,\nXXXX XXXX XXXX  \n\nXXXX is receiving this message because we are notifying you of a transaction that has occurred in an account registered at Lending Club and associated with this e-mail. This transactional message is being sent in accordance with Lending Club's Terms of Use. You cannot opt-out of receiving transactional emails as they provide important information about your account. Please view the \"Communications from Our Site\" section of our Privacy Policy if you have any questions. Eligible servicemembers may be entitled to additional benefits and protections. More information is at Lending Clubs SCRA benefits page here.\n\n\nAll loans made by XXXX, Member FDIC.  Borrower must be a US citizen or permanent resident and at least 18 years old.  Valid bank account and Social Security number are required.\n\n\nAll loans are subject to credit approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage, and credit history. \n\n\nOur mailing address is: Lending Club, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.  \n\n \nThe information transmitted is intended only for the person or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you received this in error, please contact the sender and destroy any copies of this document and any attachment.\n\n[XXXX]\n\n\n_______________________________________________________________\n\nHaving agreed to the plan, I was shocked to learn from my Bank that Lending Club had tried to withdraw an unauthorized amount and am moving forward with a fraud investigation with my Bank, my legal counsel and XXXX XXXX, Florida State Attorney. \n\nIn complete disregard to our agreement - Lending Club then sent me this email -\n\n---------- Forwarded message ----------\nFrom: Lending Club \nDate: Wed, XX/XX/XXXX at XXXX XXXX\nSubject: Your Loan Payment Could Not Be Processed\nTo: XXXX\n\n\nYour Loan Payment Could Not Be Processed \n \n \nLending club\t\nYour Loan Payment Could Not Be Processed\n\nHi XXXX, \n\nYour loan payment of $XXXX due on XX/XX/XXXX could not be processed due to insufficient funds in your bank account.\n\nWe will attempt to process your $XXXX payment again in five business days. Please ensure that you have sufficient funds in your bank account at that time.\n\nIf you would like to schedule an alternative payment date or have questions about your loan, please call us at (XXXX) XXXX. Our business hours are Monday-Friday XXXX XXXX-XXXX XXXX PT. \n\nWe appreciate your business! \n\nThanks,\nLending Club\n\nLending Club reports all account experiences - positive and negative - to one or more of the credit reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected in your credit report, as will a record of on-time payments.\n \n \n \t\nXXXX is receiving this message because we are notifying you of a transaction that has occurred in an account registered at Lending Club and associated with this e-mail. This transactional message is being sent in accordance with Lending Club's Terms of Use. You cannot opt-out of receiving transactional emails as they provide important information about your account. Please view the \"Communications from Our Site\" section of our Privacy Policy if you have any questions. Eligible servicemembers may be entitled to additional benefits and protections. More information is at Lending Club's SCRA benefits page here. \n\nThe information transmitted is intended only for the person or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you received this in error, please contact the sender and destroy any copies of this document and any attachments. \n\nAll loans are issued by XXXX, member FDIC.  Borrower must be a US citizen, permanent resident or be in the United States on a valid long term visa and at least 18  years old.  Valid bank account and Social Security number are required.\n\nAll loans are subject to credit approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage, and credit history. \n\nOur physical address is: Lending Club, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. \nEqual Housing Lender \n\n_____________________________________________________________\n\nDue to Lending Club's blatant initial disregard for me and my family being evacuees in a CAT 5 hurricane we are forced to proceed with legal action and are looking into any and all options. Having done some research on Lending Club who is in the process of trying to change its name to avoid association with the fraud and scandal that has recently been uncovered ( please see here. ) \n\nXXXX\n\nIt is obvious that a company who lies to investors and whose CEO was forced to resign is not operating at peak compliance efficiency. Though this situation has devastated us, we are certain that there are thousands more clients in Texas, Florida and now in Lending Club's backyard due to the XXXX XXXX XXXX fire who are being jerked around and blatantly lied to. \n\nOne can plainly see the agreement for interest only payments which would still be hard for us, we had request a 60-90 day reprieve to get back on our feet due to the CAT 5 natural disaster we just survived - this proposed reprieve was given to us by every creditor we had voluntarily except for Lending Club which treated us as though we were garbage and then fraudulently attempted an unauthorized withdrawal from my person checking account without my consent and in direct violation of the written modification email pasted above in this email - happy to send the originals, just ask. \n\nLending Club is now threatening to report payments as late and is relentlessly emailing and calling from various blocked or strange numbers. When I answer, there is no one there and then the line goes dead. Here is a threat from Lending Club as of 2 hours ago today -\n\n---------- Forwarded message ----------\nFrom: Lending Club \nDate: Fri, XX/XX/XXXX at XXXX XXXX\nSubject: Urgent  Please Contact Lending Club\nTo: XXXX\n\n\nUrgent  Please Contact Lending Club \n \n \nLending club\t\nUrgent  Please Contact Lending Club\n\nDear XXXX, \n\nYour account is now past due in the amount of $XXXX, and we have been unable to reach you. To help you avoid additional fees and damage to your credit history, please call our office toll-free at (XXXX) XXXX today! \n\nOne of our experienced team members is ready to work with you to find a solution. Our business hours are Monday-Friday XXXX XXXX-XXXX XXXX Pacific Time. \n\nIt's important to understand that Lending Club reports all account experiences - positive and negative - to one or more of the credit reporting agencies. Late payments, missed payments, or other defaults on your account may be reflected in your credit report, as will a record of on-time payments. \n\nBest regards,\nLending Club\n\nThis is an attempt to collect a debt by a debt collector and any information we obtain will be used for that purpose. \n\n \n \n \t\nXXXX is receiving this message because we are notifying you of a transaction that has occurred in an account registered at Lending Club and associated with this e-mail. This transactional message is being sent in accordance with Lending Club's Terms of Use. You cannot opt-out of receiving transactional emails as they provide important information about your account. Please view the \"Communications from Our Site\" section of our Privacy Policy if you have any questions. Eligible servicemembers may be entitled to additional benefits and protections. More information is at Lending Club's SCRA benefits page here. \n\nThe information transmitted is intended only for the person or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you received this in error, please contact the sender and destroy any copies of this document and any attachments. \n\nAll loans are issued by XXXX, member FDIC.  Borrower must be a US citizen, permanent resident or be in the United States on a valid long term visa and at least 18  years old.  Valid bank account and Social Security number are required.\n\nAll loans are subject to credit approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage, and credit history. \n\nOur physical address is: Lending Club, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. \nEqual Housing Lender","date_sent_to_company":"2017-10-27T18:23:20.000Z","issue":"Problem when making payments","sub_product":"Installment loan","zip_code":"33160","tags":null,"has_narrative":true,"complaint_id":"2714440","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Lending Club Corp","date_received":"2017-10-27T16:43:57.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Best regards,\nXXXX XXXX XXXX  \n\nXXXX is receiving this message because we are notifying you of a transaction that has occurred in an account <em>registered</em> at Lending Club and associated with this e-mail. This transactional message is being sent in <em>accordance</em> with Lending Club's Terms of Use. You cannot opt-out of receiving transactional emails as they provide important information about your account."]},"sort":[10.409136,"2714440"]},{"_index":"complaint-public-v1","_id":"9173242","_score":10.3905,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute of Unauthorized Information To Whom It May Concern : I am writing to dispute unauthorized information that has been reported to my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request an investigation into the following accounts : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX I hereby affirm that I have not provided consent, either explicitly or implicitly, for the furnishing of my information to these entities mentioned above. Additionally, I have not entered into any contractual agreements with these organizations that would authorize them to report information regarding my accounts. \n\nFurthermore, I demand validation of these debts as per the FDCPA, and I request that you provide proof of the alleged debts, including but not limited to copies of the original contracts or agreements bearing my signature. \n\nI urge you to conduct a thorough investigation into the validity and accuracy of the information being reported and to take appropriate action to rectify any inaccuracies or unauthorized reporting. I expect prompt resolution of this matter in accordance with the FCRA and FDCPA. \n\nPlease provide written confirmation once the investigation is complete and any inaccuracies have been corrected. Additionally, I request that you provide me with a copy of my updated credit report reflecting these changes. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX This letter is being sent to you regarding accounts XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, GA XXXX XXXX - XXXX XXXX XXXX, XXXX, TX XXXX TransUnion - XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.\n\nThis is not a request for verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt.\n\n2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired : 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state : and 7. Your license numbers and Registered Agent.\n\n8. Copy of original contract 9. Copy of payment history 10. Name and address of original creditor 11. Proof of debt assignment At this time I will also inform you that if your offices have reported invalidated informat\nion to any of the 3 major credit bureaus ( XXXX, XXXX, or TransUnion ) this action XXXX constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempta to collect on the said debt must be ceased. \n\nYour non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees i am forced to bring this matter before a judge. \n\n\nin accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plans as late for any purpose Sincerely, XXXX XXXX","date_sent_to_company":"2024-06-04T18:26:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"9173242","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-06-04T18:26:10.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["<em>must</em> be immediately deleted and completely removed from my credit file."]},"sort":[10.3905,"9173242"]},{"_index":"complaint-public-v1","_id":"9173267","_score":10.380934,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute of Unauthorized Information To Whom It May Concern : I am writing to dispute unauthorized information that has been reported to my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request an investigation into the following accounts : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX I hereby affirm that I have not provided consent, either explicitly or implicitly, for the furnishing of my information to these entities mentioned above. Additionally, I have not entered into any contractual agreements with these organizations that would authorize them to report information regarding my accounts. \n\nFurthermore, I demand validation of these debts as per the FDCPA, and I request that you provide proof of the alleged debts, including but not limited to copies of the original contracts or agreements bearing my signature. \n\nI urge you to conduct a thorough investigation into the validity and accuracy of the information being reported and to take appropriate action to rectify any inaccuracies or unauthorized reporting. I expect prompt resolution of this matter in accordance with the FCRA and FDCPA. \n\nPlease provide written confirmation once the investigation is complete and any inaccuracies have been corrected. Additionally, I request that you provide me with a copy of my updated credit report reflecting these changes. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX This letter is being sent to you regarding accounts Equifax Information Services LLC - XXXX XXXX XXXX XXXX, GA XXXX XXXX - XXXX XXXX XXXX, XXXX, TX XXXX XXXX - XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.\n\nThis is not a request for verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt.\n\n2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired : 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state : and 7. Your license numbers and Registered Agent.\n\n8. Copy of original contract 9. Copy of payment history 10. Name and address of original creditor 11. Proof of debt assignment At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Equifax, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempta to collect on the said debt must be ceased.\n\nYour non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees i am forced to bring this matter before a judge.\n\nin accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a\ncreditor may not treat a payment on a credit card account under an open end consumer credit plans as late for any purpose Sincerely, XXXX XXXX","date_sent_to_company":"2024-06-04T18:25:49.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"9173267","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-06-04T18:19:52.000Z","state":"GA","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["<em>must</em> be immediately deleted and completely removed from my credit file."]},"sort":[10.380934,"9173267"]},{"_index":"complaint-public-v1","_id":"16474235","_score":10.074521,"_source":{"product":"Debt collection","complaint_what_happened":"Obligation of the Consumer Financial Protection Bureau to Enforce and Consequences of Failure Pursuant to the Consumer Financial Protection Act of 2010, the Consumer Financial Protection Bureau ( CFPB ) is vested with the statutory duty to enforce federal consumer financial laws, including protections under the Fair Debt Collection Practices Act and the Religious Freedom Restoration Act as they apply to debt servicing and collection. This obligation includes promptly investigating and initiating enforcement actions against entities, such as Trellis and XXXX, that engage in unlawful, deceptive, or abusive practices. Failure by the CFPB to fulfill this dutyespecially after formal notice and repeated complaintsconstitutes a dereliction of its statutory responsibilities and undermines the agencys mandate to protect consumers. Such inaction may be interpreted as tacit approval or aiding and abetting of ongoing violations and exposes the CFPB to legal challenges for failing to act in accordance with its enabling statutes and the Administrative Procedure Act. -- -- -- -- -- -- -- -- -- -- -- -- FACTUAL NOTICE & DEMAND FOR PAYMENT Office of Agent via CFPB Portal. \n\nDate : XX/XX/XXXX To : Board of Directors, Trellis Company To : XXXX XXXX, successor Board Chair, Successor Trellis Company To : XXXX XXXX, successor Board Vice Chair, Successor Trellis Company To : XXXX XXXX, XXXX., successor Immediate Past Chair, Successor Trellis Company To : XXXX XXXX, successor Board Member, Successor Trellis Company To : XXXX XXXX, successor Board Member, Successor Trellis Company To : XXXX XXXX XXXX, successor Board Member, Successor Trellis Company To : Welcome XXXX, XXXX, successor Board Member, Successor Trellis Company XXXX XXXX XXXX XXXX, Texas XXXX And : Board of Directors, XXXX  XXXX XXXX XXXX XXXX ( XXXX ) To : XXXX XXXX, XXXX successor, Executive Director / CEO, Successor of XXXX To : XXXX XXXX, successor ( public representative ) Chairman To : XXXX XXXX, successor Vice Chair To : XXXX XXXX, successor Treasurer To : XXXX XXXX, successor Secretary in individual and official capacities XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : Final Notice Demand for Payment and Cease and Desist Due to Violations of Federal Law, Including the Do Not Call Registry ( 47 U.S.C. 227 ) To the Board of Directors of Trellis and XXXX, in your individual and corporate capacities : This letter serves as final written notice of your organizations unlawful behavior and demand for immediate payment and compliance. The subject individual an elderly XXXX veteran is registered on the Federal Do Not Call List and previously issued a clear Cease and Desist through Consumer Financial Protection Bureau.\n\nDespite this, your entities made four unauthorized calls on : XX/XX/XXXX XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX at XXXX These constitute three separate and willful violations of the Telephone Consumer Protection Act ( TCPA ) and applicable consumer protection laws.\n\nDemand for Immediate Payment Per federal statutory guidelines, each violation carries a minimum statutory damage of {$1000.00}. The total due immediately is : {$1000.00} x 4 calls = {$4000.00} Payment must be received within 10 calendar days of this notice ( by XX/XX/XXXX ) to avoid further liability exposure.\n\nNotice of Further Liability for Non-Compliance Failure to remit payment and cease all unlawful contact within the time stated above will serve as formal acknowledgment and consent to the following : Treble damages ( 3x statutory amount ) for continued or willful violations under 47 U.S.C. 227 ( b ) ( 3 ).\n\nPotential civil conspiracy liability under the Pinkerton Doctrine, should coordination among directors or entities be substantiated.\n\nRICO exposure under 18 U.S.C. 19611968 where patterns of harassment, fraud, or coordinated conduct may be demonstrated.\n\nThese references are included for notice purposes only. No specific legal conclusions or allegations of criminal wrongdoing are made at this time.\n\nLegal Framework If Trellis and XXXX, after receiving a cease and desist order, conspired to continue their actions, they may be liable under : 42 U.S.C. 1985 ( 3 ) : Conspiracy to deprive rights.\n\nTelephone Consumer Protection Act ( TCPA ) : Prohibits certain types of unsolicited marketing calls.\n\nFair Debt Collection Practices Act ( FDCPA ) : Restricts the actions of third-party debt collectors.\n\nEach violation could potentially result in separate claims and damages.\n\nBoard members have fiduciary duties, including the duty of care and duty of loyalty. These duties require directors to act in good faith, with the care an ordinarily prudent person would exercise, and in a manner they reasonably believe to be in the best interests of the corporation. When board members are made aware of potential misconduct and fail to investigate or take corrective action, their silence can be interpreted as complicity. This failure to act may breach their fiduciary duties and expose them to legal liability.\n\nImplications of Inaction If the boards of Trellis and XXXX were notified of the alleged violations and did not take appropriate action, this could : Signal tacit approval of the misconduct.\n\nUndermine organizational integrity by failing to uphold ethical standards.\n\nExpose the boards to legal liability for negligence or breach of fiduciary duties.\n\nIn such cases, courts may assess whether directors acted with informed judgment or exhibited reckless indifference to known risks. The business judgment rule, which typically protects directors from liability for decisions made in good faith, does not shield directors who consciously fail to monitor known risks.\n\nLegal Assertion of violation of RFRA : We assert that Trellis and XXXX have violated our rights under the Religious Freedom Restoration Act ( RFRA ), 42 U.S.C. 2000bb-1. Despite prior notification, they have failed to cease actions that substantially burden our sincere religious exercise. Their negligence in this matter constitutes tacit approval of misconduct and a violation of our federally protected rights.\n\nLegal Basis : Under RFRA, the government shall not substantially burden a person 's exercise of religion unless it demonstrates that the burden is in furtherance of a compelling governmental interest and is the least restrictive means of furthering that interest.\n\nPenalties for Violation : While RFRA primarily provides for judicial relief through claims or defenses in legal proceedings, it does not specify criminal or civil penalties for violations. Enforcement typically involves injunctive relief or damages in civil suits. However, if the violation involves other statutes with specified penalties, such as the Telephone Consumer Protection Act ( TCPA ), additional penalties may apply.\n\nCivil Actions : Individuals whose religious exercise has been burdened in violation of RFRA may assert that violation as a claim or defense in a judicial proceeding and obtain appropriate relief against a government entity.\n\nConclusion : We demand immediate cessation of all actions that infringe upon our religious rights. Failure to comply within 10 days will result in legal action seeking appropriate relief, including potential claims under RFRA and related statutes.\n\nBoard Member Liability & Piercing the Veil As Trellis is the parent company of XXXX, and both have received prior warnings, individual Board Members are now on record. Continued willful misconduct, particularly after this formal notice, may support a claim to pierce the corporate veil and pursue individual accountability for damages arising from your actions or inactions.\n\nFinal Demands You are hereby instructed to : 1. Remit payment of {$4000.00} within 10 calendar days of this letter.\n\n2. Cease and desist all future contact, direct or indirect.\n\n3. Remove the affected partys information from all internal and affiliate databases.\n\n4. Provide written confirmation of compliance by the deadline.\n\nFailure to respond or comply will constitute further evidence of bad faith, and appropriate escalation will be pursued without further notice.\n\nSincerely, OFFICE OF AGENT","date_sent_to_company":"2025-10-09T17:48:57.000Z","issue":"Communication tactics","sub_product":"I do not know","zip_code":"402XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"16474235","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Texas Guaranteed","date_received":"2025-10-09T16:51:51.000Z","state":"KY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["Such inaction may be interpreted as tacit approval or aiding and abetting of ongoing violations and exposes the CFPB to <em>legal</em> challenges for failing to act in <em>accordance</em> with its enabling statutes and the Administrative Procedure Act. -- -- -- -- -- -- -- -- -- -- -- -- FACTUAL NOTICE & DEMAND FOR PAYMENT Office of Agent via CFPB Portal."]},"sort":[10.074521,"16474235"]},{"_index":"complaint-public-v1","_id":"2473714","_score":10.010304,"_source":{"product":"Debt collection","complaint_what_happened":"On    XXXX   XXXX   XXXX   , the California  XXXX   XXXX   XXXX  forfeited    XXXX   XXXX   XXXX   powers, rights, and privileges and remain forfeited to this day. Because of this action by the California  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  was not legally in business as a mortgage banker on and after   XXXX   XXXX   XXXX   and lacked the legal ability to enter into a binding and enforceable contract with a third party.     A copy of the Certificate of Status from the California Secretary of State, dated  XXXX   XXXX ,  XXXX  is attached to this complaint which demonstrates  XXXX   XXXX   XXXX  is legally out of business since   XXXX   XXXX   XXXX  . Also attached is a Copy of Form  XXXX , page  XXXX , Paragraph  XXXX  from the California  XXXX   XXXX   XXXX , dated  XXXX , which shows that foreign corporations who have their powers, rights, and privileges forfeited and enter into any contract with a third party after this action by the California  XXXX   XXXX   XXXX  creates a contract that is voidable by th e third   party  and unenforceable.  XXXX   XXXX   XXXX  also can not sue or bring legal action against any third party while they are in this status. The Secretary of State of California and the California  XXXX   XXXX   XXXX  requires  XXXX   XXXX   XXXX  to close business and stop all business related activity on  XXXX   XXXX ,  XXXX . Such a forfeited business corporation that provides a service, or goods, to third parties  XXXX  not be able to collect payment for such services and goods since technically they are not permitted to engage in any business transaction in the  State  of California.     At dispute is a Deed of Trust,  Promissory  Note, and Loan Disclosures that pertain to my home, household and family. I am a natural person and a consumer.  XXXX   XXXX   XXXX  is shown within alleged copies of these documents as the Lender. Although the original loan documents have not been validated or verified by any alleged creditor or debt collector, as defined by the Fair Debt Collection Practices Act ( FDCPA )  15 USC 809 ( a ).  To date unofficial copies of any Deed of Trust, Promissory Note, and Loan Disclosure documents are all signed by  XXXX   XXXX   XXXX  and me after   XXXX   XXXX   XXXX       I believe that  XXXX   XXXX   XXXX  knowingly committing an illegal act, fraud, and predatory lending with consumers after   XXXX   XXXX   XXXX   in its mortgage banking business. No disclosures were made of their lack of corporate powers to unsuspecting consumers. They should of stopped conducting illegal business but they did n't.     Now enters Quality Loan Service Corporation who has identified themselves to me as a debt collector as defined by FDCPA  15 USC 1692 ( 6 ).  This complaint is also about Quality Loan Service Corporation and their illegal and damaging debt collection practices.     My first encounter with Quality Loan Service Corporation begins on    XXXX   XXXX   XXXX    when I receive a letter from them that claims they are the Trustee for an entity that is not mentioned in any of the copies of the original Deed of Trust, copies of original Promissory Note, or copies of the original Loan Disclosures. This entity is named in their letter as  XXXX    XXXX    XXXX   XXXX   XXXX , AS TRUSTEE, FOR THE  XXXX     XXXX   PASS-THROUGH CERTIFICATES,  XXXX   XXXX . '' The letter also deceptively says that their letter is a  XXXX   XXXX   XXXX . I respond back in writing that the debt is in dispute, they are a debt collector with no legal standing and that they must verify and validate any debt in accordance with the FDCPA standards and they show wrong numbers in their letter to me regarding the alleged loan because they do not have any knowledge about  XXXX   XXXX   XXXX  's status in California. This letter is attached to this complaint.     California  XXXX  and  XXXX   XXXX   XXXX   XXXX  states : ( a ) Any person who attempts or purports to exercise the powers, rights, and privileges of a corporation that has been suspended pursuant to Section  XXXX  or who transacts or attempts to transact intrastate business in this state on behalf of a foreign corporation, the rights and privileges of which have been forfeited pursuant to the section, is punishable by a fine of not less than  XXXX   XXXX   XXXX  dollars ( {$250.00}  XXXX  and not exceeding  XXXX   XXXX  dollars ( {$1000.00} ), or by imprisonment not exceeding  XXXX  year, or both fine and imprisonment.     Quality Loan Service Corporation is currently violating the California Revenue and Taxation Code Section  XXXX  by attempting to enter into a contract between me and Affiliated Funding that does not in any way involve their company. This company has recorded a Notice  of Trustee Sale  and also claims they will sell my home on    XXXX   XXXX   XXXX    at  XXXX  am.      Further  Quality Loan Service Corporation is NOT registered as a legal Nonbank Trustee with the Internal Revenue Service and therefore can not serve as Trustee that involves security instruments such as Promissory Notes.     Quality Loan Service Corporation as a debt collector is violating  15 USC 1692 ( e ) ( 5 ) b y using false and misleading information that they can take any action such as foreclosing on my home when they legally can not take such an action.  15 USC 1692 ( e ) ( 6 ) and ( 7 )  making false representations that I do not have a right to a claim for my standing and demand to them to Cease and Desist interfering in a contract that they are not a party to and that my conduct by bringing this matter in a form of a complaint to the CFPB is is wrong and useless is done to disgrace me the consumer.     Quality Loan Service Corporation also lies when they they respond to such complaints to your government agency. On   XXXX   XXXX   XXXX  , Quality Loan Service Corporation stated to the Consumer Financial Protection Bureau in a similar complaint by me that the foreclosure sale is on hold. But on the  Quality Loan Service Corporations  website, the sale date is scheduled for   XXXX   XXXX   XXXX   at  XXXX   XXXX . A copy of that sale announcement is attached and was taken from their website on   XXXX   XXXX   XXXX  . I am documenting this behavior of conduct by Quality Loan Service Corporation because they will likely be continuing with an illegal action to steal my home through a wrongful foreclosure sale. Both documents are attached to this complaint that show  XXXX  statement and then another action.     I have informed Quality Loan Service Corporation in writing that they will be liable for damages that a consumer can claim in accordance with the FDCPA  15 USC 1692k.  Copies of my dispute letters are attached and  XXXX  response they had a \" legal assistant '' from a company unrelated to me in anyway concerning this matter. That letter representing Quality Loan Service Corporation 's standing never answered the question about  XXXX   XXXX   XXXX  status that I brought out in the debt verification and validation letter that I sent Quality Loan Service Corporation dated   XXXX   XXXX   XXXX     The loan has been rescinded by me and notification has been given to  XXXX   XXXX   XXXX  and no protest has been made by them.","date_sent_to_company":"2017-05-03T12:49:34.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"93003","tags":null,"has_narrative":true,"complaint_id":"2473714","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Quality Loan Service Corporation","date_received":"2017-05-03T12:32:03.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["I respond back in writing that the debt is in dispute, they are a debt collector with no <em>legal</em> standing and that they <em>must</em> verify and validate any debt in <em>accordance</em> with the FDCPA standards and they show wrong numbers in their letter to me regarding the alleged loan because they do not have any knowledge about  XXXX   XXXX   XXXX  's status in California. This letter is attached to this complaint."],"issue":["Took or threatened to take negative or <em>legal</em> action"]},"sort":[10.010304,"2473714"]},{"_index":"complaint-public-v1","_id":"14100255","_score":9.811967,"_source":{"product":"Debt collection","complaint_what_happened":"I received a notification on my credit files showing XXXX collection accounts reporting with XXXX XXXX XXXX XXXX account numbers ending in XXXX & XXXX in the amounts of {$26000.00} and {$6900.00}. I disputed this fraudulent account with the credit bureaus, attached a ftc identity theft report, and police report showing that Im a victim of identity theft. The credit bureaus informed me that they sent the dispute with the documents to this company over 4 months ago. I have no knowledge of this account nor any involvement with XXXX XXXX XXXX XXXX nor the ORIGINAL CREDITORS which are First National Bank of Omaha XXXX XXXX XXXX XXXX XXXX XXXX that has this debt. I have neither engaged in business transactions with them nor entered in any agreements with this creditor. Hence, it is unjustified for them to report these fraudulent accounts to the credit bureaus that I have no knowledge of. The debt of validation documents that I requested for these fraud accounts have fraudulent information on both accounts. The address on the credit card statement and loan document is a FRAUDULENT ADDRESS that I've never resided at. This situation infringes upon my rights as a consumer, as outlined by the FCRA and FDCPA. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt per the Fair Credit Reporting Act. I also ask that you notify the business where the account was opened and tell them the debt is the result of identity theft. I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). This collection agency is violating federal laws and regulations not acknowledging a consumer that is a victim of identity theft. You CAN NOT make a consumer liable for a debt that has provided you with a valid ftc identity theft report and valid police report per law. XXXX XXXX XXXX is knowingly violating federal consumer protection laws by reporting false debt, refusing to properly investigate disputes, and engaging in deceptive and negligent reporting practices. Per the FACTA which strengthens the FCRA protections and requires businesses to protect consumer dates and take steps to prevent identity theft. \n\nTennessee Fair Debt Collection Practices Act ( TFDCA ) 62-20-102 provides certain protections to victims of identity theft when dealing with debt collectors. \n\nKey protections for identity theft victims under Tennessee law related to debt collection : Prohibition of Unfair or Deceptive Practices : The Act generally prohibits unfair, misleading, or deceptive acts or practices by businesses or entities, which includes those directly or indirectly related to identity theft. \nCivil Remedies : Victims of identity theft can pursue legal action against violators of the Act to recover actual damages and, in cases of willful non-compliance, potential punitive damages as determined by the court.\n\nAttorney 's Fees and Costs : If a victim successfully brings an action under the Act, they may also be awarded reasonable attorney 's fees and court costs.\n\nTreble Damages : In cases of willful violations, the Act allows for recovery of treble damages ( up to three times the actual damages ). \nReporting Requirements : Individuals who are victims of identity theft are encouraged to report the fraud immediately to protect themselves. This includes contacting affected accounts, completing fraud affidavits, and keeping detailed records of all interactions.\n\nThe Tennessee Debt Collection Practices Act ( TDPA ), part of the Tennessee Collection Services Act, regulates how debt collectors can operate in Tennessee. It aims to protect consumers from harassment and unfair practices during debt collection. A key aspect is the requirement for third-party debt collectors and debt buyers to register with the state, specifically with the Tennessee Collection Services Board .\n\nKey aspects of the TDPA : Registration Requirement : Third-party debt collectors and debt buyers must register with the Tennessee Collection Services Board .\n\nProhibition of Unfair Practices : The TDPA prohibits debt collectors from engaging in conduct that harasses, oppresses, or abuses consumers.\n\nLimitations on Communication : Debt collectors are limited in when and how they can contact debtors. For example, they can not contact debtors between XXXX XXXX XXXX XXXX XXXX unless the debtor agrees, and they must stop contacting debtors at work if requested. \nRestrictions on Content of Communication : The TDPA also restricts the content of communication, prohibiting the use of obscene or profane language, and the publication of lists of consumers who haven't paid debts ( except to credit reporting agencies ).\n\nEnforcement : Consumers can file complaints with the Tennessee Attorney General 's Office if they believe a debt collector has violated the TDPA.\n\nIn essence, the TDPA provides a framework to ensure debt collection in Tennessee is conducted fairly and ethically, protecting consumers from abusive and deceptive practices. XXXX XXXX XXXX XXXX can also be sued for ( fraud, debts legitimacy, shoddy bookkeeping, emotional stress, credit damage, financial loss, negligence, and ( punitive damages by deliberate and reckless acts disregarding my identity theft rights ). Im attaching my current ftc identity theft report and police report to this complaint.","date_sent_to_company":"2025-06-16T08:59:01.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"381XX","tags":null,"has_narrative":true,"complaint_id":"14100255","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST NATIONAL BANK OF OMAHA","date_received":"2025-06-16T08:58:26.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["A key aspect is the requirement for third-party debt collectors and debt buyers to <em>register</em> with the state, specifically with the Tennessee Collection Services Board .\n\nKey aspects of the TDPA : Registration Requirement : Third-party debt collectors and debt buyers <em>must</em> <em>register</em> with the Tennessee Collection Services Board .\n\nProhibition of Unfair Practices : The TDPA prohibits debt collectors from engaging in conduct that harasses, oppresses, or abuses consumers."]},"sort":[9.811967,"14100255"]},{"_index":"complaint-public-v1","_id":"14099864","_score":9.80379,"_source":{"product":"Debt collection","complaint_what_happened":"I received a notification on my credit files showing XXXX collection accounts reporting with SPRING OAKS CAPITAL LLC account numbers ending in XXXX & XXXX in the amounts of {$26000.00} and {$6900.00}. I disputed this fraudulent account with the credit bureaus, attached a ftc identity theft report, and police report showing that Im a victim of identity theft. The credit bureaus informed me that they sent the dispute with the documents to this company over 4 months ago. I have no knowledge of this account nor any involvement with SPRING OAKS CAPITAL LLC nor the ORIGINAL CREDITORS which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has this debt. I have neither engaged in business transactions with them nor entered in any agreements with this creditor. Hence, it is unjustified for them to report these fraudulent accounts to the credit bureaus that I have no knowledge of. The debt of validation documents that I requested for these fraud accounts have fraudulent information on both accounts. The address on the credit card statement and loan document is a FRAUDULENT ADDRESS that I've never resided at. This situation infringes upon my rights as a consumer, as outlined by the FCRA and FDCPA. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt per the Fair Credit Reporting Act. I also ask that you notify the business where the account was opened and tell them the debt is the result of identity theft. I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). This collection agency is violating federal laws and regulations not acknowledging a consumer that is a victim of identity theft. You CAN NOT make a consumer liable for a debt that has provided you with a valid ftc identity theft report and valid police report per law. Spring Oaks Capital is knowingly violating federal consumer protection laws by reporting false debt, refusing to properly investigate disputes, and engaging in deceptive and negligent reporting practices. Per the FACTA which strengthens the FCRA protections and requires businesses to protect consumer dates and take steps to prevent identity theft. \nTennessee Fair Debt Collection Practices Act ( TFDCA ) 62-20-102 provides certain protections to victims of identity theft when dealing with debt collectors.\n\nKey protections for identity theft victims under Tennessee law related to debt collection : Prohibition of Unfair or Deceptive Practices : The Act generally prohibits unfair, misleading, or deceptive acts or practices by businesses or entities, which includes those directly or indirectly related to identity theft.\n\nCivil Remedies : Victims of identity theft can pursue legal action against violators of the Act to recover actual damages and, in cases of willful non-compliance, potential punitive damages as determined by the court.\n\nAttorney 's Fees and Costs : If a victim successfully brings an action under the Act, they may also be awarded reasonable attorney 's fees and court costs.\n\nTreble Damages : In cases of willful violations, the Act allows for recovery of treble damages ( up to three times the actual damages ).\n\nReporting Requirements : Individuals who are victims of identity theft are encouraged to report the fraud immediately to protect themselves. This includes contacting affected accounts, completing fraud affidavits, and keeping detailed records of all interactions. \n\n\nThe Tennessee Debt Collection Practices Act ( TDPA ), part of the Tennessee Collection Services Act, regulates how debt collectors can operate in Tennessee. It aims to protect consumers from harassment and unfair practices during debt collection. A key aspect is the requirement for third-party debt collectors and debt buyers to register with the state, specifically with the Tennessee Collection Services Board .\n\nKey aspects of the TDPA : Registration Requirement : Third-party debt collectors and debt buyers must register with the Tennessee Collection Services Board .\n\nProhibition of Unfair Practices : The TDPA prohibits debt collectors from engaging in conduct that harasses, oppresses, or abuses consumers.\n\nLimitations on Communication : Debt collectors are limited in when and how they can contact debtors. For example, they can not contact debtors between XXXX XXXX XXXX XXXX XXXX. unless the debtor agrees, and they must stop contacting debtors at work if requested. \nRestrictions on Content of Communication : The TDPA also restricts the content of communication, prohibiting the use of obscene or profane language, and the publication of lists of consumers who haven't paid debts ( except to credit reporting agencies ).\n\nEnforcement : Consumers can file complaints with the Tennessee Attorney General 's Office if they believe a debt collector has violated the TDPA.\n\nIn essence, the TDPA provides a framework to ensure debt collection in Tennessee is conducted fairly and ethically, protecting consumers from abusive and deceptive practices. Spring Oaks Capital LLC can also be sued for ( fraud, debts legitimacy, shoddy bookkeeping, emotional stress, credit damage, financial loss, negligence, and ( punitive damages by deliberate and reckless acts disregarding my identity theft rights ). Im attaching my current ftc identity theft report and police report to this complaint.","date_sent_to_company":"2025-06-16T08:59:04.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"381XX","tags":null,"has_narrative":true,"complaint_id":"14099864","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Spring Oaks Capital, LLC","date_received":"2025-06-16T08:49:31.000Z","state":"TN","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["A key aspect is the requirement for third-party debt collectors and debt buyers to <em>register</em> with the state, specifically with the Tennessee Collection Services Board .\n\nKey aspects of the TDPA : Registration Requirement : Third-party debt collectors and debt buyers <em>must</em> <em>register</em> with the Tennessee Collection Services Board .\n\nProhibition of Unfair Practices : The TDPA prohibits debt collectors from engaging in conduct that harasses, oppresses, or abuses consumers."]},"sort":[9.80379,"14099864"]},{"_index":"complaint-public-v1","_id":"16474213","_score":9.68368,"_source":{"product":"Debt collection","complaint_what_happened":"Obligation of the Consumer Financial Protection Bureau to Enforce and Consequences of Failure Pursuant to the Consumer Financial Protection Act of XXXX, the Consumer Financial Protection Bureau ( CFPB ) is vested with the statutory duty to enforce federal consumer financial laws, including protections under the Fair Debt Collection Practices Act and the Religious Freedom Restoration Act as they apply to debt servicing and collection. This obligation includes promptly investigating and initiating enforcement actions against entities, such as XXXX and MOHELA, that engage in unlawful, deceptive, or abusive practices. Failure by the CFPB to fulfill this dutyespecially after formal notice and repeated complaintsconstitutes a dereliction of its statutory responsibilities and undermines the agencys mandate to protect consumers. Such inaction may be interpreted as tacit approval or aiding and abetting of ongoing violations and exposes the CFPB to legal challenges for failing to act in accordance with its enabling statutes and the Administrative ProceduXXXX XXXX. \n\nDespite our Cease and Desist to MOHELA and being on a FEDERAL DO NOT CALL LIST, MOHELA continues harrassment of elderly XXXX and violates Religious Freedom Restoration Act, and calls before XXXX am. Also calls repeatedly when informed to Cease and Desist.\n\nFACTUAL NOTICE & DEMAND FOR PAYMENT Office of Agent via CFPB Portal. \nDate : XX/XX/XXXX To : Board of Directors, XXXX Company To : XXXX XXXX, successor Board Chair, Successor XXXX Company To : XXXX XXXX, successor Board Vice Chair, Successor XXXX  Company To : XXXX XXXXXXXX XXXX successor Immediate Past Chair, Successor XXXX  Company To : XXXX XXXX, successor Board Member, Successor XXXX Company To : XXXX XXXX, successor Board Member, Successor XXXX Company To : XXXX XXXX XXXX, successor Board Member, Successor XXXX  Company To : Welcome XXXX, XXXX, successor Board Member, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX And : Board of Directors, Missouri XXXX XXXX XXXX XXXX ( MOHELA ) To : XXXX XXXX, XXXX successor, XXXX XXXX / CEO, Successor of MOHELA To : XXXX XXXX, successor ( public representative ) Chairman To : XXXX XXXX, successor Vice Chair To : XXXX XXXX, successor Treasurer To : XXXX XXXX, successor Secretary in individual and official capacities MOHELA XXXX XXXX XXXX XXXX, MO XXXX XXXX : Final Notice Demand for Payment and Cease and Desist Due to Violations of Federal Law, Including the Do Not Call Registry ( 47 U.S.C. 227 ) To the Board of Directors of XXXX and MOHELA, in your individual and corporate capacities : This letter serves as final written notice of your organizations unlawful behavior and demand for immediate payment and compliance. The subject individual an elderly XXXX veteran is registered on the XXXX Do Not Call List and previously issued a clear Cease and Desist through Consumer Financial Protection Bureau. \nDespite this, your entities made three unauthorized calls on : XX/XX/XXXX XX/XX/XXXX at XXXX AM XX/XX/XXXX at XXXX PM XX/XX/XXXX at XXXX AM These constitute XXXX separate and willful violations of the Telephone Consumer Protection Act ( TCPA ) and applicable consumer protection laws. \nDemand for Immediate Payment Per federal statutory guidelines, each violation carries a minimum statutory damage of {$1000.00}. \nThe total due immediately is : {$1000.00} x XXXX calls = {$3000.00} XXXX must be received within XXXX calendar days of this notice ( by XX/XX/XXXX ) to avoid further liability exposure. \nNotice of Further Liability for Non-Compliance Failure to remit payment and cease all unlawful contact within the time stated above will serve as formal acknowledgment and consent to the following : Treble damages ( XXXX statutory amount ) for continued or willful violations under 47 U.S.C. 227 ( b ) ( 3 ).\n\nPotential civil conspiracy liability under the Pinkerton Doctrine, should coordination among directors or entities be substantiated.\n\nRICO exposure under 18 U.S.C. 19611968 where patterns of harassment, fraud, or coordinated conduct may be demonstrated.\n\nThese references are included for notice purposes only. No specific legal conclusions or allegations of criminal wrongdoing are made at this time.\n\nLegal Framework If XXXX and MOHELA, after receiving a cease and desist order, conspired to continue their actions, they may be liable under : 42 U.S.C. 1985 ( 3 ) : Conspiracy to deprive rights.\n\nTelephone Consumer Protection Act ( TCPA ) : Prohibits certain types of unsolicited marketing calls.\n\nFair Debt Collection Practices Act ( FDCPA ) : Restricts the actions of third-party debt collectors.\n\nEach violation could potentially result in separate claims and damages.\n\nBoard members have fiduciary duties, including the duty of care and duty of loyalty.\n\nThese duties require directors to act in good faith, with the care an ordinarily prudent person would exercise, and in a manner they reasonably believe to be in the best interests of the corporation.\n\nWhen board members are made aware of potential misconduct and fail to investigate or take corrective action, their silence can be interpreted as complicity. This failure to act may breach their fiduciary duties and expose them to legal liability. \nImplications of Inaction If the boards of XXXX and MOHELA were notified of the alleged violations and did not take appropriate action, this could : Signal tacit approval of the misconduct. \nUndermine organizational integrity by failing to uphold ethical standards. \nExpose the boards to legal liability for negligence or breach of fiduciary duties. \nIn such cases, courts XXXX assess whether directors acted with informed judgment or exhibited reckless indifference to known risks. The business judgment rule, which typically protects directors from liability for decisions made in good faith, does not shield directors who consciously fail to monitor known risks. \nLegal Assertion of violation of RFRA : We assert that XXXX and MOHELA have violated our rights under the Religious Freedom Restoration Act ( RFRA ), 42 U.S.C. 2000bb-1. Despite prior notification, they have failed to cease actions that substantially burden our sincere religious exercise. Their negligence in this matter constitutes tacit approval of misconduct and a violation of our federally protected rights.\n\nLegal Basis : Under RFRA, the government shall not substantially burden a person 's exercise of religion unless it demonstrates that the burden is in furtherance of a compelling governmental interest and is the least restrictive means of furthering that interest. \nPenalties for Violation : While RFRA primarily provides for judicial relief through claims or defenses in legal proceedings, it does not specify criminal or civil penalties for violations. Enforcement typically involves injunctive relief or damages in civil suits. However, if the violation involves other statutes with specified penalties, such as the Telephone Consumer Protection Act ( TCPA ), additional penalties may apply.\n\nCivil Actions : Individuals whose religious exercise has been burdened in violation of RFRA may assert that violation as a claim or defense in a judicial proceeding and obtain appropriate relief against a government entity.\n\nConclusion : We demand immediate cessation of all actions that infringe upon our religious rights. Failure to comply within 10 days will result in legal action seeking appropriate relief, including potential claims under RFRA and related statutes. \nXXXX XXXX XXXX XXXX XXXX the Veil As Trellis is the parent company of MOHELA, and both have received prior warnings, XXXX XXXX Members are now on record. Continued willful misconduct, particularly after this formal notice, XXXX support a claim to pierce the corporate veil and pursue individual accountability for damages arising from your actions or inactions. \nXXXX Demands You are hereby instructed to : XXXX. Remit payment of {$4000.00} within XXXX calendar days of this letter. \nXXXX. Cease and desist all future contact, direct or indirect. \nXXXX. Remove the affected partys information from all internal and affiliate databases. \nXXXX. Provide written confirmation of compliance by the deadline. \nFailure to respond or comply will constitute further evidence of bad faith, and appropriate escalation will be pursued without further notice. \nSincerely, OFFICE OF AGENT","date_sent_to_company":"2025-10-09T16:50:44.000Z","issue":"Communication tactics","sub_product":"I do not know","zip_code":"402XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"16474213","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MOHELA","date_received":"2025-10-09T16:23:40.000Z","state":"KY","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["The subject individual an elderly XXXX veteran is <em>registered</em> on the XXXX Do Not Call List and previously issued a clear Cease and Desist through Consumer Financial Protection Bureau. \nDespite this, your <em>entities</em> made three unauthorized calls on : XX/XX/XXXX XX/XX/XXXX at XXXX AM XX/XX/XXXX at XXXX PM XX/XX/XXXX at XXXX AM These constitute XXXX separate and willful violations of the Telephone Consumer Protection Act ( TCPA ) and applicable consumer protection laws."]},"sort":[9.68368,"16474213"]},{"_index":"complaint-public-v1","_id":"13756774","_score":9.625117,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'I am submitting this formal complaint against XXXX XXXX XXXX XXXX TransUnion, and Equifax for multiple violations of the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), the Texas Finance Code, and the Texas Property Code. I am a \"consumer\" as defined under 15 U.S. Code  1692a(3), and I believe these entities have engaged in deceptive, misleading, unlawful debt collection, and inaccurate credit reporting practices. 1. Dispute of Debt - Legal Termination of Lease (Texas Property Code  92.016): I was a tenant at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a victim of family violence, as defined in Texas Family Code  71.004. In accordance with Texas Property Code  92.016(b), I legally terminated my lease and vacated the property. I provided a copy of my \"Temporary Ex Parte Protective Order\" (Cause No. XXXX) to the landlord. Per Texas Property Code  92.016(f), I am released from all liability for any unpaid rent as of the date of my lease termination, as the lease contract did not contain the statutory disclaimer language. Therefore, the alleged balance of \\\\XXXX  being pursued by XXXX XXXX XXXX XXXX. is invalid, not owed, and should not have been pursued or reported. 2. Violations by XXXX XXXX XXXX XXXX Misrepresentation of Business Name: XXXX XXXX XXXX XXXX. has repeatedly misrepresented its identity on my credit reports. As shown in the attached reports dated XXXX XXXX XXXX the account is listed as \"XXXX XXXX\" on TransUnion and \"XXXX XXXX XXXX\" on Equifax. This does not match its full legal name, \"XXXX XXXX XXXX XXXX,\" which is inconsistent with its registered bond. This practice violates Texas Finance Code  392.304(a)(1)(A), which prohibits the use of any name other than the true business or professional name in debt collection activities. Failure to Cease Communication: I initially disputed this account on XXXX XXXX XXXX by sending letters to all three credit bureaus and to XXXX XXXX XXXX XXXX., citing inaccuracies. Despite this, the account remains on my credit reports. I also invoked my rights under 12 C.F.R.  1006.6(c)(1), which prohibits further communication from a debt collector once a consumer has notified them in writing that they refuse to pay the debt. Any continued communication or collection attempts constitute a violation of federal law. Reporting Debt Not Owed & Furnishing False Information: By attempting to collect and report a debt from a tenant legally released from liability, and by furnishing false credit information, XXXX XXXX XXXX XXXX is violating 12 C.F.R.  1006.6(d)(1)(iii) and Texas Finance Code  391.002(a). Failure to Provide Validation Notice: XXXX XXXX XXXX XXXX failed to provide a validation notice as required by 15 U.S. Code  1692g(a) and 12 C.F.R.  1006.34. Engaging in Deceptive Practices: All of the above actions constitute deceptive practices under 12 U.S.C.  5536. 3. Violations by TransUnion and Equifax (Fair Credit Reporting Act): Despite my direct disputes and providing supporting documentation, TransUnion and Equifax have failed to conduct a reasonable investigation and delete this inaccurate and unverifiable debt from my credit reports. I sent certified dispute letters to Equifax on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I sent certified dispute letters to TransUnion on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The attached credit reports, generated XXXX XXXX XXXX clearly show the continued reporting of this disputed account, with \"Account information disputed by consumer\" noted on the TransUnion report. This demonstrates their awareness of the dispute and continued failure to act. Their continued reporting of this debt, which is legally not owed, constitutes a violation of my rights under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681i(a)(1)(A) (duty to conduct reasonable reinvestigation) and  1681i(a)(5)(A) (duty to delete inaccurate information). 4. Relevant Case Law: XXXX XXXX v. Equifax Information Services, LLC This case is highly relevant to my situation, where a plaintiff terminated a lease, vacated the property, and then faced debt collection and negative credit reporting for a debt they claimed was not owed. The court in XXXX XXXX v. Equifax Information Services, LLC (Case No. XXXX) found that a debt collector can be liable under the FDCPA for attempting to collect or report a debt that was never owed, stating, \"A debt collector that attempts to collect a debt that was never owed similarly violates  1692e(2)(A)\". Furthermore, the court held that a furnisher (such as Equifax or TransUnion) must investigate the legal validity of the debt under the FCRA, and failure to do so can result in liability if the debt is not legally owed. This directly supports my claim that both XXXX XXXX XXXX XXXX and the credit bureaus are acting unlawfully.'","date_sent_to_company":"2025-05-28T09:38:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75212","tags":"Servicemember","has_narrative":true,"complaint_id":"13756774","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-28T09:20:54.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Code  1692a(3), and I believe these <em>entities</em> have engaged in deceptive, misleading, unlawful debt collection, and inaccurate credit reporting practices. 1. Dispute of Debt - <em>Legal</em> Termination of Lease (Texas Property Code  92.016): I was a tenant at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a victim of family violence, as defined in Texas Family Code  71.004. In <em>accordance</em> with Texas Property Code  92.016(b), I <em>legally</em> terminated my lease and vacated the property."]},"sort":[9.625117,"13756774"]},{"_index":"complaint-public-v1","_id":"13770650","_score":9.620821,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'I am submitting this formal complaint against XXXX XXXX XXXX XXXX TransUnion, and Equifax for multiple violations of the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), the Texas Finance Code, and the Texas Property Code. I am a \"consumer\" as defined under 15 U.S. Code  1692a(3), and I believe these entities have engaged in deceptive, misleading, unlawful debt collection, and inaccurate credit reporting practices. 1. Dispute of Debt - Legal Termination of Lease (Texas Property Code  92.016): I was a tenant at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a victim of family violence, as defined in Texas Family Code  71.004. In accordance with Texas Property Code  92.016(b), I legally terminated my lease and vacated the property. I provided a copy of my \"Temporary Ex Parte Protective Order\" (Cause No. XXXX) to the landlord. Per Texas Property Code  92.016(f), I am released from all liability for any unpaid rent as of the date of my lease termination, as the lease contract did not contain the statutory disclaimer language. Therefore, the alleged balance of \\\\XXXX  being pursued by XXXX XXXX XXXX XXXX. is invalid, not owed, and should not have been pursued or reported. 2. Violations by XXXX XXXX XXXX XXXX Misrepresentation of Business Name: XXXX XXXX XXXX XXXX. has repeatedly misrepresented its identity on my credit reports. As shown in the attached reports dated XXXX XXXX XXXX the account is listed as \"XXXX XXXX\" on TransUnion and \"XXXX XXXX XXXX\" on Equifax. This does not match its full legal name, \"XXXX XXXX XXXX XXXX,\" which is inconsistent with its registered bond. This practice violates Texas Finance Code  392.304(a)(1)(A), which prohibits the use of any name other than the true business or professional name in debt collection activities. Failure to Cease Communication: I initially disputed this account on XXXX XXXX XXXX by sending letters to all three credit bureaus and to XXXX XXXX XXXX XXXX., citing inaccuracies. Despite this, the account remains on my credit reports. I also invoked my rights under 12 C.F.R.  1006.6(c)(1), which prohibits further communication from a debt collector once a consumer has notified them in writing that they refuse to pay the debt. Any continued communication or collection attempts constitute a violation of federal law. Reporting Debt Not Owed & Furnishing False Information: By attempting to collect and report a debt from a tenant legally released from liability, and by furnishing false credit information, XXXX XXXX XXXX XXXX is violating 12 C.F.R.  1006.6(d)(1)(iii) and Texas Finance Code  391.002(a). Failure to Provide Validation Notice: XXXX XXXX XXXX XXXX failed to provide a validation notice as required by 15 U.S. Code  1692g(a) and 12 C.F.R.  1006.34. Engaging in Deceptive Practices: All of the above actions constitute deceptive practices under 12 U.S.C.  5536. 3. Violations by TransUnion and Equifax (Fair Credit Reporting Act): Despite my direct disputes and providing supporting documentation, TransUnion and Equifax have failed to conduct a reasonable investigation and delete this inaccurate and unverifiable debt from my credit reports. I sent certified dispute letters to Equifax on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I sent certified dispute letters to TransUnion on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The attached credit reports, generated XXXX XXXX XXXX clearly show the continued reporting of this disputed account, with \"Account information disputed by consumer\" noted on the TransUnion report. This demonstrates their awareness of the dispute and continued failure to act. Their continued reporting of this debt, which is legally not owed, constitutes a violation of my rights under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681i(a)(1)(A) (duty to conduct reasonable reinvestigation) and  1681i(a)(5)(A) (duty to delete inaccurate information). 4. Relevant Case Law: XXXX XXXX v. Equifax Information Services, LLC This case is highly relevant to my situation, where a plaintiff terminated a lease, vacated the property, and then faced debt collection and negative credit reporting for a debt they claimed was not owed. The court in XXXX XXXX v. Equifax Information Services, LLC (Case No. XXXX) found that a debt collector can be liable under the FDCPA for attempting to collect or report a debt that was never owed, stating, \"A debt collector that attempts to collect a debt that was never owed similarly violates  1692e(2)(A)\". Furthermore, the court held that a furnisher (such as Equifax or TransUnion) must investigate the legal validity of the debt under the FCRA, and failure to do so can result in liability if the debt is not legally owed. This directly supports my claim that both XXXX XXXX XXXX XXXX and the credit bureaus are acting unlawfully.'","date_sent_to_company":"2025-05-28T09:38:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75212","tags":"Servicemember","has_narrative":true,"complaint_id":"13770650","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-05-28T09:37:37.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Code  1692a(3), and I believe these <em>entities</em> have engaged in deceptive, misleading, unlawful debt collection, and inaccurate credit reporting practices. 1. Dispute of Debt - <em>Legal</em> Termination of Lease (Texas Property Code  92.016): I was a tenant at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a victim of family violence, as defined in Texas Family Code  71.004. In <em>accordance</em> with Texas Property Code  92.016(b), I <em>legally</em> terminated my lease and vacated the property."]},"sort":[9.620821,"13770650"]},{"_index":"complaint-public-v1","_id":"13756395","_score":9.620821,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"b'I am submitting this formal complaint against XXXX XXXX XXXX XXXX TransUnion, and Equifax for multiple violations of the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), the Texas Finance Code, and the Texas Property Code. I am a \"consumer\" as defined under 15 U.S. Code  1692a(3), and I believe these entities have engaged in deceptive, misleading, unlawful debt collection, and inaccurate credit reporting practices. 1. Dispute of Debt - Legal Termination of Lease (Texas Property Code  92.016): I was a tenant at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a victim of family violence, as defined in Texas Family Code  71.004. In accordance with Texas Property Code  92.016(b), I legally terminated my lease and vacated the property. I provided a copy of my \"Temporary Ex Parte Protective Order\" (Cause No. XXXX) to the landlord. Per Texas Property Code  92.016(f), I am released from all liability for any unpaid rent as of the date of my lease termination, as the lease contract did not contain the statutory disclaimer language. Therefore, the alleged balance of \\\\XXXX  being pursued by XXXX XXXX XXXX XXXX. is invalid, not owed, and should not have been pursued or reported. 2. Violations by XXXX XXXX XXXX XXXX Misrepresentation of Business Name: XXXX XXXX XXXX XXXX. has repeatedly misrepresented its identity on my credit reports. As shown in the attached reports dated XXXX XXXX XXXX the account is listed as \"XXXX XXXX\" on TransUnion and \"XXXX XXXX XXXX\" on Equifax. This does not match its full legal name, \"XXXX XXXX XXXX XXXX,\" which is inconsistent with its registered bond. This practice violates Texas Finance Code  392.304(a)(1)(A), which prohibits the use of any name other than the true business or professional name in debt collection activities. Failure to Cease Communication: I initially disputed this account on XXXX XXXX XXXX by sending letters to all three credit bureaus and to XXXX XXXX XXXX XXXX., citing inaccuracies. Despite this, the account remains on my credit reports. I also invoked my rights under 12 C.F.R.  1006.6(c)(1), which prohibits further communication from a debt collector once a consumer has notified them in writing that they refuse to pay the debt. Any continued communication or collection attempts constitute a violation of federal law. Reporting Debt Not Owed & Furnishing False Information: By attempting to collect and report a debt from a tenant legally released from liability, and by furnishing false credit information, XXXX XXXX XXXX XXXX is violating 12 C.F.R.  1006.6(d)(1)(iii) and Texas Finance Code  391.002(a). Failure to Provide Validation Notice: XXXX XXXX XXXX XXXX failed to provide a validation notice as required by 15 U.S. Code  1692g(a) and 12 C.F.R.  1006.34. Engaging in Deceptive Practices: All of the above actions constitute deceptive practices under 12 U.S.C.  5536. 3. Violations by TransUnion and Equifax (Fair Credit Reporting Act): Despite my direct disputes and providing supporting documentation, TransUnion and Equifax have failed to conduct a reasonable investigation and delete this inaccurate and unverifiable debt from my credit reports. I sent certified dispute letters to Equifax on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I sent certified dispute letters to TransUnion on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The attached credit reports, generated XXXX XXXX XXXX clearly show the continued reporting of this disputed account, with \"Account information disputed by consumer\" noted on the TransUnion report. This demonstrates their awareness of the dispute and continued failure to act. Their continued reporting of this debt, which is legally not owed, constitutes a violation of my rights under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681i(a)(1)(A) (duty to conduct reasonable reinvestigation) and  1681i(a)(5)(A) (duty to delete inaccurate information). 4. Relevant Case Law: XXXX XXXX v. Equifax Information Services, LLC This case is highly relevant to my situation, where a plaintiff terminated a lease, vacated the property, and then faced debt collection and negative credit reporting for a debt they claimed was not owed. The court in XXXX XXXX v. Equifax Information Services, LLC (Case No. XXXX) found that a debt collector can be liable under the FDCPA for attempting to collect or report a debt that was never owed, stating, \"A debt collector that attempts to collect a debt that was never owed similarly violates  1692e(2)(A)\". Furthermore, the court held that a furnisher (such as Equifax or TransUnion) must investigate the legal validity of the debt under the FCRA, and failure to do so can result in liability if the debt is not legally owed. This directly supports my claim that both XXXX XXXX XXXX XXXX and the credit bureaus are acting unlawfully.'","date_sent_to_company":"2025-05-28T09:38:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75212","tags":"Servicemember","has_narrative":true,"complaint_id":"13756395","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-05-28T09:37:37.000Z","state":"TX","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Code  1692a(3), and I believe these <em>entities</em> have engaged in deceptive, misleading, unlawful debt collection, and inaccurate credit reporting practices. 1. Dispute of Debt - <em>Legal</em> Termination of Lease (Texas Property Code  92.016): I was a tenant at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a victim of family violence, as defined in Texas Family Code  71.004. In <em>accordance</em> with Texas Property Code  92.016(b), I <em>legally</em> terminated my lease and vacated the property."]},"sort":[9.620821,"13756395"]},{"_index":"complaint-public-v1","_id":"8675321","_score":9.563385,"_source":{"product":"Credit card","complaint_what_happened":"Dear Bank of America and associated entities, I, XXXX XXXX, hope this finds you well. I'm reaching out regarding the document I received on XX/XX/XXXX, which pertains to the denial of my credit rights by Bank of America and its affiliates. While the document appears to originate from Bank of America, it frequently employs the pronoun \" We, '' suggesting the involvement of multiple individuals or entities in its creation. However, as the document lacks signatures, I kindly request that all individuals involved in its drafting identify themselves in their private capacities. This will enable me to address them appropriately as I applied for a XXXX XXXX XXXX XXXX XXXX card. \n\nThe credit application I submitted identifies Bank of America National Bank as the creditor, referencing number XXXX However, this designation appears to conflict with XXXX XXXX XXXX ( l ), which outlines that a creditor does not encompass entities solely involved in honoring a credit card transaction, as detailed in XXXX XXXX XXXX ( k ). Moreover, the use of XXXX XXXX XXXX details, particularly account numbers on electronic credit applications, is intended for securing credit, as endorsed by the securities definition within XXXX CFR XXXX. \nI would like to address the recent denial of my request for a \" Confirmed Credit '' under UCC XXXX. When I submitted my request, I did so with the understanding that it met all the necessary criteria and requirements outlined in the Uniform Commercial Code ( UCC ) XXXX, specifically pertaining to \" Letter of Credit. '' As per Bank of America 's prospectus, the primary assets of the trust comprise receivables from designated XXXX Bank of America credit card accounts and Pay Over Time features. These assets encompass both principal and finance charge receivables and are subject to oversight by federal and state consumer protection laws, as emphasized in the XXXX Report. \nBank of America, identified by SEC filing number XXXX, functions as a Sponsor responsible for orchestrating and commencing securitization transactions through the transfer of assets to the issuing entity. In my capacity as a natural person, the inclusion of my social security number on the credit application serves to facilitate this XXXX XXXX for securitization objectives. This process aims to establish an unbound credit limit based on my XXXX \n\nThis notice stands as a declaration of breach of fiduciary duty and my right of subrogation. I insist on the proper allocation of credits and rights associated with my application. Failure to return the assets or acknowledge their intended use within XXXX business days will compel me to take regulatory actions. These may include filing complaints with the SEC and IRS regarding potential abusive tax schemes linked to the SEC-filed trust arrangement. \n\nAs a globally integrated payments company, BANK OF AMERICA provides a diverse array of products and services, including credit and charge cards, as well as travel and lifestyle offerings. It operates under rigorous regulatory supervision by the Federal Reserve as a bank holding company. \nThis notice aims for a fair resolution to the outlined issues, in line with the principle that equity prevents injustices without recourse. It emphasizes that those seeking equity must act fairly, impacting all involved parties personally. The terms laid out here necessitate equitable treatment, asserting that the essence of my application justifies an unlimited credit limit. \n\nUpon submitting my application to Bank of America, I was denied access to my personal credit, purportedly due to private non-public information unlawfully obtained by you from credit reporting agencies. My application represents a written request for a credit extension, made in accordance with the procedures outlined in XXXX CFR Subchapter A part XXXX. According to your prospectus report, my application, upon submission, is purchased at a discounted rate and converted into a receivable/treasury marketable security, i.e., a trust asset as per section XXXX. \nI seek clarification on the reasons behind this denial of credit. According to Section XXXX ( XXXX ) of the Federal Reserve Act, \" In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. Therefore, as a consumer, I should not have been denied credit. Furthermore, under the FCRA, it appears that socioeconomic discrimination has been employed against me. The information utilized by Bank of America to assess my 'creditworthiness ' constitutes personal non-public information acquired from a third-party company. This adverse action has caused me injury and emotional distress, as I have been unable to obtain necessities for my personal development and growth. I am deeply troubled by these actions. \nThe XXXX Report XXXX Bank of America outlines that the primary assets of the trust include receivables from designated XXXX Bank of America credit card accounts and Pay Over Time revolving credit features. These receivables comprise both principal and finance charge receivables. \nI question whether I was discriminated against and denied open-ended credits based on my XXXX XXXXXXXX, given that I provided Bank of America XXXX XXXX tender, i.e., my duly tendered, endorsed, and signed application. Does Bank of America 's policy grant it the authority to disregard the encoded rules of XXXX USC XXXX, which asserts my right to the enjoyment and benefit of my contract? \n\nDoes Bank of America 's policy grant it the authority to omit crucial information while utilizing complex legal and technical business terminology? Extrinsic XXXX  refers to deceptive acts or misrepresentations made outside the main event, which deprive the victim of vital information or involvement. Moreover, my original promissory note, initially intended as an application, was converted into a receivable/trust asset by Bank of America without my knowledge or consent. This critical detail has never been disclosed to me by Bank of America. \n\nIf, by any chance, I have granted Bank of America authorization and/or Power of Attorney privileges, whether explicitly or implicitly, I hereby revoke all such authority and rescind Bank of America XXXX XXXX interest. According to the XXXX Report XXXX Bank of America, it states that \" The certificates will evidence undivided beneficial interests in the trust assets allocated to such certificates, representing the right to receive from such trust assets funds up to ( but not in excess of ) the amounts required to make payments of interest and principal in the manner described below. The certificates will be available for purchase in minimum denominations of { {$100000.00} } and integral multiples of { {$1000.00} } in book-entry form Payments of interest and principal will be made on each related interest payment date to the certificate holders in whose names the certificates were registered on the last day of the calendar month preceding such interest payment date, known as the record date. \nConsequently, if the application/securities/receivables are registered in my name, then all interest and dividends are rightfully due to me, the consumer. Does Bank of America 's policy grant it the right to exploit and deprive consumers? The actions of Bank of America against me are inherently actionable. If your response to this complaint is conveyed by an attorney or any member of the XXXX XXXX XXXX, I hope they seriously consider their oath, which states, I solemnly swear that I will support the Constitution of the United States, that I will faithfully discharge the duties of the office of attorney, and that I will conduct myself at all times with integrity and civility. Any action contrary to this oath constitutes misconduct and is inherently actionable. \nSincerely, XXXX XXXX","date_sent_to_company":"2024-04-02T12:52:54.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"30039","tags":null,"has_narrative":true,"complaint_id":"8675321","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-04-02T12:37:12.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Dear Bank of America and associated <em>entities</em>, I, XXXX XXXX, hope this finds you well. I'm reaching out regarding the document I received on XX/XX/XXXX, which pertains to the denial of my credit rights by Bank of America and its affiliates. While the document appears to originate from Bank of America, it frequently employs the pronoun \" We, '' suggesting the involvement of multiple individuals or <em>entities</em> in its creation."]},"sort":[9.563385,"8675321"]},{"_index":"complaint-public-v1","_id":"12530115","_score":9.428891,"_source":{"product":"Debt collection","complaint_what_happened":"COMES NOW, XXXX XXXX XXXX, XXXX living, sentient, breathing, natural man ) and master beneficiary of all securities created in the government created entity name XXXX XXXX which is a artificial entity distinct from a natural living man created by XXXX as affirmed in XXXX XXXX XXXX. This living man bring forth this claim against I.C. SYSTEM, INC for violation of private civilian due process under the 4th, 5th and 14th Amendments of the constitution for the united states of America 1776 and Federally protected Consumer Rights under the \" FCRA '' and \" FDCPA ''. Said corporation I.C. SYSTEM, INC is reporting on XXXX XXXX/Principal consumer report that a debt is owed to them. However, I do not know said corporation nor have I ever done business with this corporation. I demand I.C. SYSTEM, INC produce the purchase agreement, chain of assignment and a valid contract between I, XXXX XXXX XXXX, the living flesh and blood man with unalienable rights created by XXXX, where this corporation provided me with any VALUABLE CONSIDERATION and I giving them explicit consent to collect on any alleged debt. I.C. SYSTEM, INC is reporting Fraudulent, Mis-leading and Deceptive information in an attempt to extort/swindle payment from this natural living man. I reject and rebut all presumption that I am a corporate entity with any statutory jurisdiction. God almighty is the only one who created life and therefore no man has authority to presumed any man to be dead without valid documentary evidence. My unalienable rights include the rights to life, liberty, the pursuit of happiness and prohibition of trespass of property without civilian due process of the law.This is affirmed in the Declaration of Independence and protected under the U.S constitution and all Federal protected Consumer laws. I.C. SYSTEM, INC unlawfully obtain the natural living man private information which I did not consent to.This is a violation of the privacy act of 1974 and my Right to Financial Privacy Act of 1978. This is also \" Identity Theft '' by I.C. SYSTEM, INC - means a fraud committed using the identifying information of another living man without his consent. 15U.S Code 1681a ( q ) ( 3 ). Without prior consent by the consumer under the protection within Title X, for Truth and Lending Act, ( TILA ), 15 U.S. Code 1692c ( b ) in actions of allege debt collections. I have identified with personal research for consumers accounting, recordings have several errors on the statements of accounts of the consumer file, pursuant to Fair Debt Collection Practices Act. ( FDCPA ) 805 Communication in connection with debt collection, this complaint states verified claims for damages that shall be reported as actual injury personal for claims to your Office Of Risk Management. this is to inform you that I recently received a certified record of XXXX XXXX/Principal credit report by the reporting company publishes with inaccurate harmful data on the consumer without verification by the consumer protection against known third party transfers, or assignments and buyer as Debt Collectors. Additionally, pursuant to ( 18 U.S. Code 1028 ) ; evidence was present upon reviewing the records as filed. As validation in the report, item listed on the report is inaccurate thereby, caused negative results for consumer transaction without verification from the original creditor, as defined in FDCPA 809 ( 15 U.S. Code 1692g ) validation of debts. No evidence exists of my agreement or consent for this account with I.C. SYSTEM, INC. Verification requires the Original Negotiable Instrument, as copies do not satisfy the Federal Rules of Evidence ( FRE ) Rule 1002. Which mandates the production of the original documentation to prove its contents. The account in question is listed below for the person identified as the legal name in commerce are deemed unlawful unless stipulated by the registered owner ( s ) listed as indexed by County Clerks records. Send me all supporting communications, delivery personal courier, Proof of assignment of debt, purchase agreement and authority to collect on this alleged debt with explicit consent from I, the natural living man and the original promissory note with my wet ink autograph. Only United States Postal Services, mails including verified evidence for the published documents personal identification ( ID ) that you have listed in your files, notation as of this date permitting that you used to verify the accuracy of the alleged consumer accounts listed below. Account : I C SYSTEM INC, # XXXX In accordance with consumer laws ratified by Congress, Fair Credit Reporting Act ( FCRA ) 609, ( 15 U.S. Code 1681g ), provides that as the consumer, I have by this verification of the accuracy on the consumer 's file, demand that you disclose to me all the witness, validations for the filed documents deemed as consumers. The XXXX XXXX ( XXXX ), violations of personal identification, that you have recorded and retained in your data base. Moreover, at the time of this request concerning the consumer goods accounts that you are reporting in the credit report with the last 4-digits of the social security number ( XXXX ). You should not respond to my letter, for the legal entity, assumed name without stating that these deemed accounts are verified without substantial evidence from the consumer of its authentication and proof to the accuracy as published. Send me certified copies within the guidelines defined in ( FRCP 901, 902 ) ; the production of the following consumer documents under penalty of perjury, that you have mail delivered by the consumer that is memorialized in your files that were used to verify the posted errors for the claims. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then delete them immediately as required under FCRA 611 ( a ) ( 5 ) ( A ) ( i ) ( 15 U.S. Code 1681i ). By the data collectors publishing the inaccurate unverified personal data in consideration of any unauthorized false misleading symbols. Recognized the compliance codes including the stated items within the FDCPA 801-818 ( 15 U.S. Code 1692-1692p ) on the credit report and distributing them to 3rd parties, you are damaging the reputation and credit worthiness of XXXX XXXX. According to federal law, FCRA 611 ( 15 U.S. Code. 1681i ), all unverified accounts must be promptly deleted. ( 15 U.S. Code 1692k - Civil liability ) make civil liability payment for your gross negligence and willful violation of the FDCPA ( 15 U.S. Code 1692d - Harassment or abuse, 15 U.S. Code 1692e - False or misleading representations, 15 U.S. Code 1692c - Communication in connection with debt collection ) in an attempt to extort payment from the Consumer who do not have a contract nor have ever business with XXXX XXXX XXXX XXXX. \n\nI DEMAND THAT YOU PROVIDE VALIDATION OF PURCHASE AGREEMENT, CHAIN OF ASSIGNMENT AND EVIDENCE THAT YOU PROVIDED VALUABLE CONSIDERATION within seven ( 7 ) Business days. Failure to provide those documents, I will seek further legal actions for false claims in an attempt to extort payment and violation of my rights under the ( FDCPA ) I further demand in accordance with 15 U.S. Code 1692c ( C ) that you immediately cease and desist all forms of communication relating to this alleged debt ; including furnishing unverifiable, false and inaccurate information to any consumer reporting agencies \" CRA ''.","date_sent_to_company":"2025-03-19T02:54:09.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Telecommunications debt","zip_code":"08619","tags":null,"has_narrative":true,"complaint_id":"12530115","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"I.C. System, Inc.","date_received":"2025-03-19T01:07:44.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["You should not respond to my letter, for the <em>legal</em> <em>entity</em>, assumed name without stating that these deemed accounts are verified without substantial evidence from the consumer of its authentication and proof to the accuracy as published."],"issue":["Took or threatened to take negative or <em>legal</em> action"]},"sort":[9.428891,"12530115"]},{"_index":"complaint-public-v1","_id":"10988606","_score":9.280851,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXXXXXX, XXXX living, sentient, breathing, natural man ) and master beneficiary of all securities created in the government created entity name XXXX XXXX which is a artificial entity distinct from a natural living man created by XXXX as affirmed in XXXX XXXX XXXX. This living man bring forth this claim against SOUTHWEST CREDIT SYSTEMS LP for violation of my constitutional and Federally protected Consumer Rights under the \" FCRA '' and \" FDCPA ''. Said corporation SOUTHWEST CREDIT SYSTEMS LP is reporting on XXXX XXXX XXXX report that a debt is owed to them. However, I do not know said corporation nor have I ever done business with this corporation. I demand SOUTHWEST CREDIT SYSTEMS LP produce a valid contract between I, XXXX XXXX XXXX, the living flesh and blood man with unalienable rights created by XXXX, where this corporation provided me with any valuable consideration and I giving them explicit consent to collect on any alleged debt. SOUTHWEST CREDIT SYSTEMS LP is reporting Fraudulent, Mis-leading and Deceptive information in an attempt to extort payment from this natural living man. I reject and rebut all presumption that I am a corporate entity with any statutory jurisdiction. XXXX alright is the only one who created life and therefore no man has authority to presumed any man to be dead without valid documentary evidence. My unalienable rights include the rights to life, liberty, the pursuit of happiness and prohibition of trespass of property without civilian due process of the law.This is affirmed in the Declaration of Independence and protected under the U.S constitution and all Federal protected Consumer laws. SOUTHWEST CREDIT SYSTEMS LP unlawfully obtain the consumer private information which I did not consent to.This is a violation of the privacy act of 1974 and Right to Financial Privacy Act of 1978. This is also \" Identity Theft '' by SOUTHWEST CREDIT SYSTEMS LP - means a fraud committed using the identifying information of another living man without his consent. 15U.S Code 1681a ( q ) ( 3 ). Without prior consent by the consumer under the protection within Title X, for Truth and Lending Act, ( TILA ), 15 U.S. Code 1692c ( b ) in actions of allege debt collections. I have identified with personal research for consumers accounting, recordings have several errors on the statements of accounts of the consumer file, pursuant to Fair Debt Collection Practices Act. ( FDCPA ) 805 Communication in connection with debt collection, this complaint states verified claims for damages that shall be reported as actual injury personal for claims to your XXXX XXXX XXXX XXXX. this is to inform you that I recently received a certified record of my credit report by the reporting company publishes with inaccurate harmful data on the consumer without verification by the consumer protection against known third party transfers, or assignments and buyer as Debt Collectors. Additionally, pursuant to ( 18 U.S. Code 1028 ) ; evidence was present upon reviewing the records as filed. As validation in the report, item listed on the report is inaccurate thereby, caused negative results for consumer transaction without verification from the original creditor, as defined in FDCPA 809 ( 15 U.S. Code 1692g ) validation of debts. The account in question is listed below for the person identified as the legal name in commerce are deemed unlawful unless stipulated by the registered owner ( XXXX ) listed as indexed XXXX XXXX XXXX records. Send me all supporting communications, delivery personal courier, Proof of assignment of debt, settlement of account and authority to collect on this debt with explicit consent from I, the natural living man and the original promissory note with my wet ink autograph. Only United States Postal Services, mails including verified evidence for the published documents personal identification ( ID ) that you have listed in your files, notation as of this date permitting that you used to verify the accuracy of the alleged consumer accounts listed below. Account : SOUTHWEST CREDIT SYSTEMS LP In accordance with consumer laws ratified by Congress, Fair Credit Reporting Act ( FCRA ) 609, ( 15 U.S. Code 1681g ), provides that as the consumer, I have by this verification of the accuracy on the consumer 's file, demand that you disclose to me all the witness, verifications for the filed documents deemed as consumers. The Gramm-Leach-Bliley Act ( GLBA ), violations of personal identification, that you have recorded and retained in your data base. Moreover, at the time of this request concerning the consumer goods accounts that you are reporting in my credit report with the last 4-digits of the social security number ( XXXX ). You should not respond to my letter, for the legal entity, assumed name without stating that these deemed accounts are verified without substantial evidence from the consumer of its authentication and proof to the accuracy as published. Send me certified copies within the guidelines defined in ( FRCP 901, 902 ) ; the production of the following consumer documents under penalty of perjury, that you have mail delivered by the consumer that is memorialized in your files that were used to verify the posted errors for the claims. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then delete them immediately as required under FCRA 611 ( a ) ( 5 ) ( A ) ( i ) ( 15 U.S. Code 1681i ). By the data collectorXXXX publishing the inaccurate unverified personal data in consideration of any unauthorized false misleading symbols. Recognized the compliance codes including the stated items within the FDCPA 801-818 ( 15 U.S. Code 1692-1692p ) on the credit report and distributing them to 3rd parties, you are damaging the reputation and credit worthiness of XXXX XXXX. According to federal law, FCRA 611 ( 15 U.S. Code. 1681i ), all unverified accounts must be promptly deleted. ( 15 U.S. Code 1692k - Civil liability ) make civil liability payment for your gross negligence and willful violation of the FDCPA ( 15 U.S. Code 1692d - Harassment or abuse, 15 U.S. Code 1692e - False or misleading representations, 15 U.S. Code 1692c - Communication in connection with debt collection ) in an attempt to extort payment from the Consumer who have never done business with SOUTHWEST CREDIT SYSTEMS LP.","date_sent_to_company":"2024-12-01T04:21:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08094","tags":null,"has_narrative":true,"complaint_id":"10988606","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Southwest Credit Systems, L.P.","date_received":"2024-12-01T03:16:12.000Z","state":"NJ","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["You should not respond to my letter, for the <em>legal</em> <em>entity</em>, assumed name without stating that these deemed accounts are verified without substantial evidence from the consumer of its authentication and proof to the accuracy as published."]},"sort":[9.280851,"10988606"]},{"_index":"complaint-public-v1","_id":"10476462","_score":9.259132,"_source":{"product":"Credit card","complaint_what_happened":"This billing dispute applies to past, present and future certificates of indebtedness issued under the Discover Cardmember Agreement. \n\n{$1600.00} XXXX XXXX XXXXXX/XX/XXXX ) and {$1800.00} ( XXXX XXXX  ) error To whom this may concern, I have in my possession, the USPS registered mail tracking numbers ( XXXX ) corresponding return receipt with signature confirming my marketable treasury security/due bill sent ( at the time sent valued at {$1600.00} ) from XXXX  XXXX XXXX XXXX Florida XXXX XXXX XX/XX/XXXX at XXXX XXXX, was successfully delivered with a letter of instruction correspondence to XXXX XXXX XXXX at XXXX XXXX on XX/XX/XXXX in XXXX XXXX XXXX Illinois XXXX XXXX a proper place of payment. However, it was not honored. \n\nWhether it be refusal or destruction of the instrument, either instance would constitute discharge under Article 3 Sections 3-603 and 3-604 of the UCC. Under the Indenture between Discover Card Execution Note Trust ( DCENT ) and XXXX XXXX XXXX Association, Article 3 Section 306. ( b ) also provides procedure to the same effect. Notwithstanding, on page 1 of the Discover Cardmember Agreement under section Making Payments, subsection Payment Instructions it states You must pay in U.S. dollars. Please do not send cash. Sending cash is not allowed. The term cash is not defined under the Agreement, therefore I as the holder in due course can only assume the term is used in reference to Federal reserve notes which according 12 U.S. Code 411, are issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized, thereby prohibiting me as an individual who is not a federal reserve agent from being able to utilize those particular instruments for any purpose. This raises the question of what form of legal tender am I to apply as payment in order to settle the claim?\n\nBefore addressing the question it is important first to understand how advances are made to Federal reserve banks. The Federal Reserve Banks XXXX XXXX XXXX. XXXX Effective XX/XX/XXXX, issued by each Reserve Bank, sets forth the terms under which an entity may obtain Advances from, incur Obligations to, or pledge Collateral to a Reserve Bank. Section 3.0 of said XXXX describes how An Advance must be secured by Collateral acceptable to the Bank. Advances can be done via the XXXX XXXX XXXX or by using the XXXX XXXX XXXX XXXX XXXX XXXX online application, where Borrowing entities can submit requests for Advances from and submit Collateral Schedules to the Reserve Banks, and communicate with the Reserve Banks about Advances and pledges of Collateral in accordance with Reserve Banks Operating Circular No. 10. Federal Reserve Act, Section 16 ( 2 ) states that such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be acquired under section 10A, 10B, 13, or 13A of the Federal Reserve Act, or purchased under the provisions of section 14 of said Act.\n\nGenerally, according to the official interpretation of 12 CFR Part 1002.7 ( d ) ( 4 ), a signature to make the secured property available is needed on a security agreement as a Bank may also require the Borrower to execute a promissory note and/or documents or additional relevant agreements such as the Discover Cardmember agreement at any time including after each statement date with respect to an Advance, and I am of sufficient age and competency to understand the act of indorsing and giving receipt. I have invested into Discover by way of my application which is a promissory note because it is a signed document that is transferrable to 3rd parties and also promises a sum of payment. My deposit account with Discover also qualifies as an investment in the company. As discussed in the Discover prospectus, the credit card statement with attached payment coupon is in fact a class A definitive note issue representing principal charges and finance charges and other fees in an account designated for the master trust. By way of my signature, and not federal reserve notes the use of which I am prohibited, I have given the instrument marketable value where it can and will eventually be traded on the secondary market as Discover Bank is obligated to transfer these receivables to the depositor for subsequent transfer to the master trust on an ongoing basis for permitted investment purposes through what is described as a securitization transaction. Treasury Department XXXX XXXX. XXXX, Revised XX/XX/XXXX, also embodies regulations governing the Indorsement and Payment of Checks Drawn on the Treasurer of the United States for which the Federal Reserve serves as fiscal agent. As for transfers of assets in securitizations, the FDIC has not provided guidance on how to bring transfers to the master trust or the note issuance trust within alternative safe harbors for entities that do not meet the conditions of XXXX CFR XXXX ( d ) ( XXXX ). Furthermore, XXXX has previously declined to provide safe harbor protection for remuneration exchanged between wholly-owned entities, including parent entities and their wholly-owned subsidiaries. So while the parties involed intend to treat the transaction as a true sale as articulated in the prospectus, that premise stands in direct contrast to Article XXXX XXXX XXXX under the Indenture where it states ; Election Under Delaware Asset-Backed Securities Facilitation Act. Without limiting any other provisions of this Indenture or any Indenture Supplement, the parties hereto agree that ( a ) the transactions contemplated hereby constitute a securitization transaction. The re-characterization from a secured financing transaction in XXXX agreement to a true sale in the another for accounting purposes, is not only misleading, but it challenges the exemptions relied upon in any Volcher rule considerations as well as safe harbor which any resale of notes must be made in accordance with since the securitization transaction on its face is what would be construed by any governmental agency or instrumentality as the operation of a covered fund under Section 13 of the Bank Holding Company Act of XXXX or an investment company under Section 3 or 17 CFR 270.3a-7 of the Investment Company Act of 1940. This suggests Discover Banks involvement in secondary markets rely heavily on the perpetual manipulation of regulatory requirements if not outright securities fraud, e.g. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nAccording to XXXX XXXX XXXX Congress, Session I, XXXX  XXXX, XX/XX/XXXX, XXXX, XXXX ; every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount in money of the United States measured thereby, is declared to be against public policy ; and no such provision shall be contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provision is contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. A due bill check as defined by FINRA Rule 11630 ( e ) under the Uniform Practice code is also a debt instrument that meets the mandate of Federal Reserve Act Section 16 ( 1 ) redeemable in lawful money on demand at the Treasury Department of the United States, in the city of Washington , District of Columbia, or at any Federal Reserve bank. 18 U.S. Code 8 defines the term obligation or other security of the United States to include all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. \n\nAt any rate, as a result of XXXX XXXX XXXX XXXX, XXXX XXXX, and from that day forward ( XX/XX/XXXX ), no one has been able to lawfully pay a debt or lawfully own anything. The only thing one can do is tender credit in exchange of debts, with the debt being perpetual. The suspension of the gold standard, and prohibition against paying debts, removed the substance for our common law to operate on, and created a void as far as the law is concerned. This substance was replaced with a XXXX XXXX XXXX XXXX where debt is XXXX XXXX money. XXXX  XXXX was implemented immediately. The day after President XXXX signed the resolution, the treasury offered the public new government securities, minus the traditional payable in gold clause. 192 states that one can not demand a certain form of currency that they want to receive if it is dollar for dollar. In consideration that only XXXX XXXX exists in circulation with which to discharge debt ; and in order to facilitate lawful commercial transactions ; and in order to lawfully engage in commerce understanding the indenture trustee for Discover may only invest funds on deposit in any investor account in Permitted Investments ( See Sources of Funds to Pay the Notes General, and Limited Recourse to XXXX ; Security for the Notes under the prospectus )XXXX XXXX XXXX XXXX, shall tender with special indorsement, negotiable instruments or securities represented by instruments in registered form which evidence : ( a ) obligations issued or fully guaranteed, as to timely payment, by the United States of America or any instrumentality or agency of the United States of America, when those obligations are backed by the full faith and credit of the United States of America ; ( d ) investments in money market funds having the Highest Rating ; in adherence to public policy where as a result of my signature, an instrument becomes investment grade qualifying under at least 4 categories of issuers and acceptable securities/collateral for the 31 CFR Part 202 program.\n\nNow turning your attention back to addressing the question of what form of legal tender am I to apply as payment in order to settle the claim as an individual not authorized to use cash? Section : Making Payments subsection : Payment Instructions under the Discover Cardmember Agreement provides that All checks must be drawn on funds on deposit in the U.S.We can accept late payments, partial payments or payments marked payment in full or with any other restrictive endorsement without losing any of our rights under this Agreement. Therefore in order to remain in compliance both contractually and lawfully, XXXX XXXX M, against whom a claim is asserted, in good faith tendered a debt instrument/security with special indorsement to the claimant as full satisfaction of the claim for statement cycle XX/XX/XXXXXXXX XXXX  pursuant to UCC 3-311 and 8-509 ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and Article III Section 309. Cancellation under the Indenture between Discover Card Execution Note Trust and XXXX XXXX XXXX XXXX dated XX/XX/XXXX which states, all Notes surrendered for payment, redemption, transfer, conversion or exchange will be cancelled by the Indenture Trustee, and, if surrendered to any Person other than the Indenture Trustee, be delivered to the Indenture Trustee and, if not already canceled, will be promptly canceled by it. Although Discover is not necessarily obligated to accept the tendered payment, the specific act of tendering the payment absolves the debt pursuant to Article 3 Sections 3-603 and 3-604 under the UCC.\n\nAlso, Discover in their own words under section : Making Payments, subsection : Payment Instructions of the Discover Cardmember Agreement, presumably pursuant to 15 U.S. Code 1666d - Treatment of credit balances, state We credit your payments in accordance with the terms contained on your billing statement. Thus as directed, we then turn to page 2 of the billing statement under section Credit Balances where it very plainly states the following, If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you.We will send you a refund of any remaining balance of {$1.00} or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of your billing statement. As such, a request was made and it is my understanding that payments take 1-3 days to post to my account and show as available credit however, Discover did not promptly credit my account, via the Electronic Fund Transfer Act, the allocation of principal and interest accrued thereon from my payment coupon. Furthermore, at the top of page 2 under How We Apply Payments ' of the same section, it states very plainly, \" In all cases, we will apply payments and credits as required by applicable law. '' If that is indeed the case, then subsequent to my tender with special indorsement, the definitive security of which I am the holder in due course, after being correctly sent to XXXX XXXX XXXX at XXXX XXXX  on XX/XX/XXXX in XXXX XXXX, Illinois XXXX, the address designated to receive payment with correspondence in an envelope other than the one provided as per the Discover Cardmember Agreement, should have been converted to a book-entry security as collateral to secure funds of the United States . My account has yet to reflect the settlement of this transaction, therefore an investigation is warranted.","date_sent_to_company":"2024-10-16T18:43:59.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"34983","tags":null,"has_narrative":true,"complaint_id":"10476462","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2024-10-16T17:24:24.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["Section 3.0 of said XXXX describes how An Advance <em>must</em> be secured by Collateral acceptable to the Bank. Advances can be done via the XXXX XXXX XXXX or by using the XXXX XXXX XXXX XXXX XXXX XXXX online application, where Borrowing <em>entities</em> can submit requests for Advances from and submit Collateral Schedules to the Reserve Banks, and communicate with the Reserve Banks about Advances and pledges of Collateral in <em>accordance</em> with Reserve Banks Operating Circular No. 10."]},"sort":[9.259132,"10476462"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":145,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":145}]}},"product":{"doc_count":145,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":58,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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