{"took":868,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":8,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11361869","_score":13.719577,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this letter to formally request a full investigation into the financial practices of JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX, particularly regarding the handling of securities, as well as the resulting financial implication for consumers, including myself as well as their treatment of customers and their accounts. I sent a security registered mail to XXXX XXXX that was delivered XX/XX/XXXX with a communication instructing XXXX XXXX to properly redeem the instrument and credit my account noting that if he didnt have the authority to redeem the instrument to forward it to the Indenture Trustee. My account was not credited nor was the security returned to me. On XX/XX/XXXX I sent a copy of the security I had sent to XXXX XXXX registered mail to Chase XXXX XXXX Chase Card XXXX XXXX addressed to XXXX XXXX XXXX ( due to her signature being on SEC filing documents ). It was delivered XX/XX/XXXX. The copy of the security was accompanied by a communication informing her the original security was sent to XXXX XXXX which had not been redeemed nor had it been returned and instructed her to properly credit my account as well as provide me with the accounting pursuant to UCC 9-210 in accordance with GAAP and the Truth and Lending Act ( 15 U.S.C 1601 ). This also went unacknowledged. On XX/XX/XXXX I filed a CFPB complaint due to the lack of compliance in accordance with UCC 8-505 through UCC 8-508 which is securities fraud. In the complaint I requested the accounting pursuant to UCC 9-210 in accordance with GAAP done by a certified CPA as well as the security that I had sent returned to me if it was to be rejected and not credited to my account. The complaint was responded to on XX/XX/XXXX in which my complaint/concern of the handling of my securities was completely ignored as well as my requests for the accounting pursuant UCC 9-210 . On XX/XX/XXXX I sent, certified mail, letters revoking POA for each entity within Chases transaction structure ( Chase XXXX XXXX, JPMorgan Chase Bank, N.A., Chase Card XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. ) These were all delivered XX/XX/XXXX. Within each letter it was stated that a form XXXX had been properly filed with the IRS. I also sent on XX/XX/XXXX a security registered mail to XXXX XXXX XXXX XXXX office which was delivered XX/XX/XXXX. Again, this security was accompanied by a letter of instruction of the same nature as the others previously sent also requesting the accounting in accordance with GAAP on both the public and private side done by a certified CPA and my security returned if they were being rejected. I have not received the security nor any correspondence. I then received a call from JPMorgan Chases executive principal office about a complaint ( reference # XXXX ) that had reached their office. I originally thought this had to do with my securities. When I called back I was informed it was about my revocation of POA. The woman named XXXX said she had no idea why I was sending this ( being the POA revocation ) to Chase and also stated that there was no POA on file. I informed her that I was revoking JPMorgan Chases POA over my account even though she supposedly had no idea what I was talking about, that I wanted the Durable POA I had provided placed on my account as well as the revocation letter. That I now have the power as the agent over my person and am now the custodian over my account. I then told her that my account was being improperly handled and that JPMorgan Chase was fraudulently handling my securities. She then told me to send an email to an address that was provided to me about my issues regarding the securities. I sent the email on XX/XX/XXXX which detailed every letter I had sent, all the securities I had sent, informing Chase of the violations and their duty to act in accordance with UCC 8-505 through UCC 8-508 , informing CHASE of my rights as an entitlement holder, and my rights to the accounting pursuant UCC 9-210. Reiterating that CHASE has been committing securities fraud and violating their Indenture agreement that is on file with the SEC as well as being in breach of their fiduciary duties. I demanded a proper crediting of my account and requested again, the accounting in accordance with GAAP on both the public and private side done by a certified CPA. This email has gone unanswered. Prior to this on XX/XX/XXXX I sent JPMorgan XXXX XXXX address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , a security registered mail that was delivered XX/XX/XXXX. On this security I had done a restrictive endorsement. I then received in the mail from JPMorgan at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a correspondence that said We are unable to accept the enclosed securities for your investment account ending in XXXX  We received the following stock/bond certificate ( s ) for deposit into your investment account it further states We are unable to accept this item for deposit into an investment account. This item is not transferable. With this response was the security that I had sent along with the instruction letter. I had also sent a security registered mail to JPMorgan XXXX address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX registered mail that was delivered on XX/XX/XXXX. This security was accompanied by a communication instructing JPMorgan XXXX to redeem the security and credit my account. It is now XX/XX/XXXX and my account has yet to be credited. Today on XX/XX/XXXX I emailed JPMorgan Chase executive principals office ( via an email address provided to me by XXXX ) a pre-arbitration email in which I also stated that I would be mailing the pre-arbitration letter to each entity listed herein. The email contained all my supporting documents. It was later today at around XXXX that I attempted to use my credit card and the transaction was declined. I called the number on the back of the card and they informed me my account had been shut down due to suspicious activity which they also had shut down my checking and savings account due to suspicious activity even though the debit card and savings account had never been used accept to put {$50.00} in both accounts to keep the account open. JPMorgan Chase is clearly retaliating against me due to the fact that I am asserting my rights and demanding what is owed to me. This is illegal and deeply concerning when in conjunction with the securities fraud, the breach of fiduciary duties and the unjust enrichment that has been occurring for months now. It has been since the inception of this account that I have been lawfully sending stock/bond certificates to JPMorgan Chase for proper redemption to proper crediting to my account. It has been since then that JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have been committing securities fraud as well as acting in unfair, deceptive, and abusive ways and in breach of their fiduciary duties.\n\nIt is clear in JPMorgans correspondence that I have in fact been in possession of securities ( stock/bond certificates ). This fact is evidenced/validated by the forensic audit that traced my statements and the credit card receivables to CHASE XXXX XXXX XXXX Class A ( XXXX ) notes with the XXXX XXXX XXXXXXXX. UCC 8-501 defines a securities account as ( a ) \" Securities account '' means an account to which a financial asset is or may be credited in accordance with an agreement under which the person maintaining the account undertakes to treat the person for whom the account is maintained as entitled to exercise the rights that comprise the financial asset. ( b ) Except as otherwise provided in subsections ( d ) and ( e ), a person acquires a security entitlement if a securities intermediary : ( 1 ) indicates by book entry that a financial asset has been credited to the person 's securities account ; ( 2 ) receives a financial asset from the person or acquires a financial asset for the person and, in either case, accepts it for credit to the person 's securities account ; or ( 3 ) becomes obligated under other law, regulation, or rule to credit a financial asset to the person 's securities account. ( c ) If a condition of subsection ( b ) has been met, a person has a security entitlement even though the securities intermediary does not itself hold the financial asset. ( d ) If a securities intermediary holds a financial asset for another person, and the financial asset is registered in the name of, payable to the order of, or specially indorsed to the other person, and has not been indorsed to the securities intermediary or in blank, the other person is treated as holding the financial asset directly rather than as having a security entitlement with respect to the financial asset. UCC 9-102 defines Account as, means a right to payment of a monetary obligation, whether or not earned by performance, ( i ) for property that has been or is to be sold, leased, licensed, assigned, or otherwise disposed of, ( ii ) for services rendered or to be rendered, ( vii ) arising out of the use of a credit or charge card or information constrained on or for use with the card. UCC 8-102 defines a Security as an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of any issuer : ( i ) which is represented by a security certificate in bearer or registered form, or the transfer of which may be registered upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series of shares, participations, interests, or obligations ; and ( iii ) which : ( A ) is, or is of a type, dealt in or traded on securities exchanges or securities markets ; or ( B ) is a medium for investment and by its terms expressly provides that it is a security governed by this Article. It defines Instruction as means a notification communicated to the issuer of an uncertificated security which directs that the transfer of the security be registered or that the security be redeemed. UCC 8-505 says, ( a ) A securities intermediary shall take action to obtain a payment or distribution made by the issuer of a financial asset. A securities intermediary satisfies the duty if : ( 1 ) the securities intermediary acts with respect to the duty as agreed upon by the entitlement holder and the securities intermediary ; or ( 2 ) in the absence of agreement, the securities intermediary exercises due care in accordance with reasonable commercial standards to attempt to obtain the payment or distribution. ( b ) A securities intermediary is obligated to its entitlement holder for a payment or distribution made by the issuer of a financial asset if the payment or distribution is received by the securities intermediary. UCC 8-506 says, A securities intermediary shall exercise rights with respect to a financial asset if directed to do so by an entitlement holder. A securities intermediary satisfies the duty if : ( 1 ) the securities intermediary acts with respect to the duty as agreed upon by the entitlement holder and the securities intermediary ; or ( 2 ) in the absence of agreement, the securities intermediary either places the entitlement holder in a position to exercise the rights directly or exercises due care in accordance with reasonable commercial standards to follow the direction of the entitlement holder. UCC 8-507 says, ( a ) A securities intermediary shall comply with an entitlement order if the entitlement order is originated by the appropriate person, the securities intermediary has had reasonable opportunity to assure itself that the entitlement order is genuine and authorized, and the securities intermediary has had reasonable opportunity to comply with the entitlement order. A securities intermediary satisfies the duty if : ( 1 ) the securities intermediary acts with respect to the duty as agreed upon by the entitlement holder and the securities intermediary ; or ( 2 ) in the absence of agreement, the securities intermediary exercises due care in accordance with reasonable commercial standards to comply with the entitlement order. ( b ) If a securities intermediary transfers a financial asset pursuant to an ineffective entitlement order, the securities intermediary shall reestablish a security entitlement in favor of the person entitled to it, and pay or credit any payments or distributions that the person did not receive as a result of the wrongful transfer. If the securities intermediary does not reestablish a security entitlement, the securities intermediary is liable to the entitlement holder for damages. UCC 8-508 says, A securities intermediary shall act at the direction of an entitlement holder to change a security entitlement into another available form of holding for which the entitlement holder is eligible, or to cause the financial asset to be transferred to a securities account of the entitlement holder with another securities intermediary. A securities intermediary satisfies the duty if : ( 1 ) the securities intermediary acts as agreed upon by the entitlement holder and the securities intermediary ; or ( 2 ) in the absence of agreement, the securities intermediary exercises due care in accordance with reasonable commercial standards to follow the direction of the entitlement holder. UCC 8-401 says, ( b ) If an issuer is under a duty to register a transfer of a security, the issuer is liable to a person presenting a certificated security or an instruction for registration or to the person 's principal for loss resulting from unreasonable delay in registration or failure or refusal to register the transfer. There is clear and conclusive evidence that JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have been committing securities fraud by willfully ignoring lawful instructions and requests with respect to the stock/bond certificates obtained by me in good faith, in which I am entitled to have properly redeemed and credited to my account in which every entity listed here is obligated and has the authority to handle in accordance with the law. \n\nIn addition to the clear violations of the law, JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. are in clear breach of the Trust Indenture on file with the SEC which defines a Holder means, when used with respect to any Note, a Noteholder. Defines Note or Notes means any note or notes of any Series, Class or Tranche authenticated and delivered from time to time under this Indenture. Defines Noteholder means a Person in whose name a Note is registered in the Note Register or the bearer of any Bearer Note ( including a Global Note in bearer form ), as the case may be. Section 3.07 Payment of Interest ; Interest and Principal Rights Preserved ; Withholding Taxes says, ( a ) Unless otherwise provided with respect to such Note pursuant to Section 3.01, interest payable on any Registered Note will be paid to the Person in whose name that Note ( or one or more Predecessor Notes ) is registered at the close of business on the most recent Record Date and interest payable on any Bearer Note will be paid to the bearer of that Note ( or the applicable coupon ). Section 3.08 Persons Deemed Owners says, Title to any Bearer Note, including any coupons appertaining thereto, shall pass by delivery. The Issuing Entity, the Indenture Trustee, the Owner Trustee, the Beneficiary, Chase USA and any agent of the Issuing Entity, the Indenture Trustee, the Owner Trustee, Chase USA or the Beneficiary may treat the Person who is proved to be the owner of such Note pursuant to subsection 1.04 ( c ) as the owner of such Note for the purpose of receiving payment of principal of and ( subject to Section 3.07 ) interest on such Note and for all other purposes whatsoever, whether or not such Note be overdue, and neither the Issuing Entity, the Indenture Trustee, the Owner Trustee, the Beneficiary, Chase USA nor any agent of the Issuing Entity, the Indenture Trustee, the Owner Trustee, Chase USA or the Beneficiary will be affected by notice to the contrary. Section 6.11 Unconditional Right of Noteholders to Receive Principal states and Interest ; Limited Recourse states, Notwithstanding any other provisions in this Indenture, the Holder of any Note will have the right, which is absolute and unconditional, to receive payment of the principal of and interest on such Note on the Legal Maturity Date specified in the related Indenture Supplement and to institute suit for the enforcement of any such payment, and such right will not be impaired without the consent of such Holder. Section 10.01 Payment of Principal and Interest says, With respect to each Series, Class or Tranche of Notes, the Issuing Entity will duly and punctually pay the principal of and interest on such Notes in accordance with their terms and this Indenture, and will duly comply with all the other terms, agreements and conditions contained in, or made in this Indenture for the benefit of, the Notes of such Series, Class or Tranche. In these sections of the Indenture Chase USA is to be replaced with JPMorgan Chase Bank , N.A . pursuant to the merger date of these two entities which occurred XX/XX/XXXX. \n\nFederal Reserve Act section 16 part 2 states Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. 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 notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district 12 U.S.C 1431 Powers and duties of banks says, ( a ) Borrowing money ; Issuing bonds and debentures ; General powers- Each XXXX XXXXXXXX XXXX XXXX  shall have power, subject to rules and regulations prescribed by the Director, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all the things necessary for carrying out the provisions of this chapter and all things incident thereto. Not only is it clear that JPMorgan Chase has provided me NO value, it is clear that I am the one providing ALL the value to JPMorgan. I provided my original application which is the security collateral for JPMorgan to get funding at an at par rate with the Treasury as well as the credit card receivables which I supply by use of MY credit that JPMorgan then sells for BILLIONS of dollars evidenced by the XXXX report. \n\nI am NOT gifting JPMorgan these assets. These assets generate value far greater than the debt incurred each month and due to the fact that I am the one providing the assets I retain an equitable interest in the proceeds generated pursuant to UCC 9-203. As a consumer I am protected under the Truth and Lending Act 15 U.S.C 1601 et seq. and have a right to transparency and equitable treatment in financial transactions. JPMorgan is profiting BILLIONS of dollars because of what I provide them, which is why I receive monthly stock/bond certificates that are to be credited to my account to offset the obligations I have incurred. In my attempt to properly claim the equity I am owed and my rights as a consumer JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have retaliated and conspired against my rights ( 18 U.S.C 241 ) violating principles of fair dealing and good faith under UCC 1-304 attempting to deceive and defraud me through blatant lies in regard to the nature of the securities I hold as well as steal the assets I have lawfully and legally obtained and have a right to, breaching their fiduciary duties and shutting down ALL of my accounts denying me my right to credit. The CFPB was explicitly created to protect the rights of consumers to be protected from unfair, deceptive, and abusive financial practices. These are egregious actions taken against a consumer who in good faith is asserting their rights under the law due to unjust enrichment that is validated by forensic data and the financial institutions own words.\n\n12 U.S.C 1833a Civil Penalties clearly states that ( a ) In general Whoever violates any provision of law to which this section is made applicable by subsection ( c ) shall be subject to a civil penalty in an amount assessed by the court in a civil action under this section. ( b ) Maximum amount of penalty 1 ) Generally The amount of the civil penalty shall not exceed {>= $1,000,000}. ( 2 ) Special rule for continuing violations In the case of a continuing violation, the amount of the civil penalty may exceed the amount described in paragraph ( 1 ) but may not exceed the lesser of {>= $1,000,000} per day or {>= $1,000,000}. ( 3 ) Special rule for violations creating gain or loss ( A ) If any person derives pecuniary gain from the violation, or if the violation results in pecuniary loss to a person other than the violator, the amount of the civil penalty may exceed the amounts described in paragraphs ( 1 ) and ( 2 ) but may not exceed the amount of such gain or loss. \n\nXXXX XXXX and JPMorgan Chase have been in continued violation for XXXX business days. Chase XXXX XXXX and XXXX XXXX XXXX has been in continued violation for XXXX business days. XXXX XXXX and XXXX XXXX as Indenture Trustee have been in continued violation for XXXX business days. It is evidenced above that JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have derived pecuniary gain from these violations and I am experiencing an extreme loss. The failure on the financial institutions behalf to properly comply with the law has impacted my credit report which has shown that I have an incredibly high debt to income ratio which has impacted my ability to obtain other forms of credit explicitly being denied. It has also caused me to struggle to make ends meet due to the lack of available credit on my account, causing me to be delinquent on multiple obligations. Needing to go to extreme measures such as obtaining a forensic audit which cost {$2500.00}. This has caused me extreme stress, having to continuously stay up late into the night to find ways to force proper compliance as well as work longer hours due to being denied my right to credit. Closing my account has deprived me of my right to credit leaving me with no funds for food, gas and other basic needs. Every signature I give, and every credit or security I create is intrinsically tied to the divine and natural right to provide for myself and my family. Credit fuels opportunity and opportunity is my right. \n\nIt is the duty and obligation of JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. to act in accordance with the law. It is their fiduciary duty to act in my best interest, to properly handle my securities, to allow me access to my credit, to provide me the equity that I am truly owed. The forensic audit I had done on my account which the auditor is willing to testify to in a court of law, traced my statements and the credit card receivables to CHASE XXXX XXXX XXXX XXXX XXXX  ( XXXX ) notes with the XXXX XXXX XXXX. JPMorgan confirmed this by stating that I was in possession of stock/bond certificates. This is clear and conclusive evidence that 1. I am entitled to the payment of these securities. 2. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have been committing securities fraud. 3. I am owed equity due to the value I am providing per the credit card receivables. 4. JPMorgan Chase is retaliating against me asserting these rights by closing my account. 5. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. are in breach of their fiduciary duty. 5. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have acted in bad faith. 6. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have conspired with one another to financially injure, oppress, and intimidate me from exercising my rights secured for me by the laws of the United States. 7. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. actions have constituted unjust enrichment. 8 JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have violated consumer laws. 9. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. are in violation of consumer laws. \n\nThese are conclusive violations of the law and it is clear that JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. believe that because they control access to consumers ' financial wellbeing that they can get away with acting in bad faith, abusing, deceiving, stealing and intimidating consumers when they seek to claim their rights or the equity owed to them under the law. It should be taken very seriously the extent to which they have gone to rob me of my rights and entitlements as a consumer and as the one loaning them securities that they profit billions of dollars off of. I implore the CFPB to alert the SEC of the securities fraud that has been committed by JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX","date_sent_to_company":"2025-01-03T04:23:43.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"598XX","tags":null,"has_narrative":true,"complaint_id":"11361869","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-01-03T03:58:50.000Z","state":"MT","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["The copy of the <em>security</em> was <em>accompanied</em> by a <em>communication</em> <em>informing</em> her the <em>original</em> <em>security</em> was <em>sent</em> to <em>XXXX</em> <em>XXXX</em> which had not been redeemed nor had it been returned and instructed her to properly credit my account as well as provide me with the accounting pursuant to UCC 9-210 in accordance with GAAP and the Truth and Lending Act ( 15 U.S.C 1601 ). This also went unacknowledged."]},"sort":[13.719577,"11361869"]},{"_index":"complaint-public-v1","_id":"9421786","_score":13.515428,"_source":{"product":"Credit card","complaint_what_happened":"I am writing in regards to the charge made by XXXX XXXX XXXX XXXXXXXX on XX/XX/year> for their claim if damages that resulted due ti mud left on the car. The charge on XX/XX/year> was for a total amount of : XXXX, of that amount XXXX was credited back to my account following a CFPB claim against American Express because of their poor handling of the original dispute. I am continuing my complaint and dispute for the remainder XXXX. The reason I am disputing this charge is XXXX : I do not believe nor do I have documentation from XXXX XXXX XXXX XXXX that mud left on the XXXX from a XXXX XXXX  would result in such damage. XXXX : per the contract signed it does say that failure to wash the XXXX would result in a XXXX $ fee, of which the XXXX $ security deposit would have sufficiently covered. XXXX : as it is a rental, and as the rental agency would suspect patrons would not be familiar with XXXX XXXXXXXX, and its high iron contents per XXXX XXXX XXXX XXXX claim, there is nothing in the rental agreement nor in any communication from the employees of XXXX XXXX XXXX XXXX  that indicates the resulting damage of the mud with exception to a XXXX $ charge. It is highly unlikely that XXXX would have resulted in such damage. XXXX : after the XXXXXXXX XXXX XXXX XXXXXXXX picked up the XXXX there was XXXX communication from them until a charge 6 days later for XXXX was made at that time they still did not notify me ( I noticed on my own ) and failed to respond to questions regarding the charge until an email was sent which indicated the charge along with the claim of mud damage, accompanied by blurry images of the XXXX, and XXXX screen shots of the cost is supplies to fix the Claimed damages. At that time I called and emailed to inquire about more information and only received XXXX email stating to make an insurance claim. [ although an insurance claim with American Express was made, it was denied because XXXX : American Express stated that XXXX XXXX XXXX XXXX  is not a car rental company despite the fact that per their website they state they are, and XXXX : they said it is not covered because we took the XXXX off XXXX, however we did not : we were driving on per XXXX XXXX owner of XXXXXXXX XXXX XXXX XXXX : state maintained roads which is where we were directed to XXXX although those roads were mostly dirt roads. ]. XXXX : XXXXXXXX XXXX XXXX XXXXXXXX per the request of not only myself, my personal insurance company ( which was also denied because I do not have rental car coverage which is why Amex was used for their coverage ) and Amex assurance team, and the dispute team did not provide a detailed repair estimate from a repair shop detailing the damage and repairs they were claiming. \nXXXX : the rental agreement time frame was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the following day. We informed XXXX XXXX that we were done with XXXX and parked for him to pick up around XXXX pm he said he would still pick it up in the am. We noticed that the XXXX wasnt picked up until late in the afternoon one of the images that was sent as evidence of damage was at an outdoor car wash it was night time in the image, however we do not know when/ what day this was taken. At any rate If upon picking up the XXXX and seeing mud was clearly on it was such a cause for concern because of the amount of damage done- why did hours go by with out cleaning the XXXX how do we know that from the time we left the XXXX  at XXXX the previous day to when ever that picture was taken the damage was not done then, when all we have to go on is XXXX  screen shots of cost of supplies, a blurry image, and their word. Finally, XXXX : their word, it is clear to me that XXXX XXXXXXXX XXXX XXXX is running an unethical operation as evidence by XXXX : failure to respond to the XXXX  claim that I made, resulting in losing their XXXX and a down grade to an F rating. XXXX : XXXX  reviews from other patrons claiming fraudulent charges. XXXX : multiple XXXX reviews claiming fraudulent charges, and several reviews reporting that charges were made to their cc for thousands of dollars, resulting in disputes with their cc companys ( some of which list they uses an American Express card ) and charges made a full year after their rental, or for damages without evidence, all reviews claimed they have not received any communication response from XXXXXXXX XXXX XXXX XXXX \n\nAll of my reasons listed above which I have wrote and verbalized to American Express multiple times over the course of the last year and a half since the original charge should have initiated some sort of investigation, however if that investigation was initiated American Express dispute team continues to fail to inform me of such and as a result originally closed my case with out explanation, and due to the length of time it went on I was not able to re- open it or speak to anyone in the dispute team regarding this matter.","date_sent_to_company":"2024-07-03T12:22:35.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"48042","tags":null,"has_narrative":true,"complaint_id":"9421786","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-07-03T12:07:50.000Z","state":"MI","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>XXXX</em> : after the XXXXXXXX <em>XXXX</em> <em>XXXX</em> XXXXXXXX picked up the <em>XXXX</em> there was <em>XXXX</em> <em>communication</em> from them until a charge 6 days later for <em>XXXX</em> was made at that time they still did not notify me ( I noticed on my own ) and failed to respond to questions regarding the charge until an email was <em>sent</em> which indicated the charge along with the claim of mud damage, <em>accompanied</em> by blurry images of the <em>XXXX</em>, and <em>XXXX</em> screen shots of the cost is supplies to fix the Claimed damages."]},"sort":[13.515428,"9421786"]},{"_index":"complaint-public-v1","_id":"12797543","_score":13.323255,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX - XXXX Account Unlawfully closed. \n\n( 1 ) I am competent for stating the matters set forth herewith ; ( 2 ) I have personal knowledge about the facts stated herein ; ( 3 ) Everything stated in this TRUTH AFFIRMATION is the Truth, the Whole Truth, and nothing but the Truth and all stated is true, correct, complete, and not misleading. NO THIRD PARTIES ALLOWED. \nPLAIN STATEMENT ABOUT THE FACTS : ( a ) For Resolving a Matter it must be expressed ( b ) In Commerce Truth is Sovereign ; ( c ) Truth is expressed in the Form of an Affirmation ; ( d ) An Unrebutted Affirmation stands as Truth in Commerce ; ( e ) An Unrebutted Affirmation becomes the judgment in Commerce ; ( f ) A Truth Affirmation, under Commercial Law, can only be satisfied by a Rebuttal about the Truth Affirmation, by payment, by agreement, by resolution by a grand jury according by the rules for Common Law. \n\nMy request dated XXXX XXXX, for XXXX XXXX to confirm the balance owing on the above referenced matter. We requested for you to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. ( Debtor did not comply with request ) XX/XX/XXXX - USPS - sent This is your verification that there is in fact NO contract between XXXX XXXX XXXX  XXXX and XXXX There was a promise to pay the debt you say is owed in exchange for the ORIGINAL INSTRUMENT of INDEBTEDNESS. Instead you sent a debt validation letter This means you have defaulted on the original offer to pay this debt in full, as you have not provided the ORIGINAL debt instrument validating any financial obligation to XXXX XXXX XXXX, XXXX That makes this account financially and legally settled. \nAs a result of these facts, the claimed debt must no longer be reported to my credit report as XXXX XXXX XXXX, XXXX. and XXXX XXXX XXXX has proven to not be operating correctly in commerce. This correspondence has also been reported to the federal trade commission. I look forward to the removal of all third-party debts, non-bonded and obligated creditors IF REPORTING DOES NOT CEASE, I WILL HAVE NO CHOICE BUT TO FILE A LAWSUIT AGAINST YOUR COMPANY. \nBe advised that validation in defined ( XXXX XXXX XXXX, XXXX XXXX ) is as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or disposition, affidavit of truth of matter stated and object of verification to assure good faith in averments or statements of party. \nDebt collector is further Noticed that this is not a request by Affiant for a photocopy of any invoice, statement, bill, summary, agreement and the like and that any future communication received by Affiant from Debt Collector, in written as well as any other form, absent the above-cited requisite Validation of debt, irrespective of the inclusion of any photocopy of any related involve, statement, bill summary, agreement, and the like, constitutes Debt Collectors tacit admission, confession and agreement that Debt Collector has no lawful, bona fide, verifiable claim, re the alleged account, as per the Fair Credit Reporting Act and the Fair Debt Collection Practices, and Uniform Commercial Code ( UCC ). \nThis lawful request is made in accord with the aforementioned authorities and shall further serve as a request for records as set-forth in the Administrative Procedure Act [ USC 5 551 ]. In addition to other applicable provisions under this Act, you are advised of the obligation to notify me within ten ( 10 ) days ( excepting Saturdays, Sundays, and legal public holidays ) after the receipt of my request to inform me of any refusal or unwillingness to comply or provide records. Under the penalties of perjury, I declare that I examined the facts stated, including any accompanying documents, and, to the best of my knowledge and belief, they are true, correct, and complete. \nXXXX - XXXX I contacted the Indentured Trustee - to enforce by Registered Mail - 3rd and Final with a Billing Right Notice : This will serve as my FINAL written billing dispute regarding unlawful closing of accounts. This dispute is for ALL past, current and present bills under this contract certificate of indebtedness to credit concerning accounts. Your company did not credit my accounts with the 1099 A Third Party 1099 C through our statement sent every year. Your company did not credit my account from the dividends that were created from My Treasury Coupons Via the electronic transfers acts, certificates of indebtedness : XXXX XXXX XXXX Truth and Lending. \n\nEverything is Securities There is No statute of limitations on the FRAUD according to Trade Regulation Rules Part XXXX, which protects consumers ' claims and defenses. It includes terms such as person, consumer, creditor, purchase money loan, financing a sale, and more. 16 CFR 433-1 This will serve as our instruction letter to please do a remittance transfer to our 1099 C so I can properly do my tax returns for XXXX, XXXX, XXXX, XXXX Please send -MAIL my cancellation of debt 1099-C Form copy B for the debtors. Per the electronic funds transfer account. Please return all my floating rate notes, tender received to date with a full accounting.","date_sent_to_company":"2025-04-03T18:28:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94609","tags":"Servicemember","has_narrative":true,"complaint_id":"12797543","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-03T18:27:52.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["We requested for you to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the <em>original</em> instrument of indebtedness in its <em>original</em> form. ( Debtor did not comply with request ) XX/XX/<em>XXXX</em> - USPS - <em>sent</em> This is your verification that there is in fact NO contract between <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> and <em>XXXX</em> There was a promise to pay the debt you say is owed in exchange for the <em>ORIGINAL</em> INSTRUMENT of INDEBTEDNESS."]},"sort":[13.323255,"12797543"]},{"_index":"complaint-public-v1","_id":"12809533","_score":13.30636,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX - XXXX Account Unlawfully closed. \n\n( 1 ) I am competent for stating the matters set forth herewith ; ( 2 ) I have personal knowledge about the facts stated herein ; ( 3 ) Everything stated in this TRUTH AFFIRMATION is the Truth, the Whole Truth, and nothing but the Truth and all stated is true, correct, complete, and not misleading. NO THIRD PARTIES ALLOWED. \nPLAIN STATEMENT ABOUT THE FACTS : ( a ) For Resolving a Matter it must be expressed ( b ) In Commerce Truth is Sovereign ; ( c ) Truth is expressed in the Form of an Affirmation ; ( d ) An Unrebutted Affirmation stands as Truth in Commerce ; ( e ) An Unrebutted Affirmation becomes the judgment in Commerce ; ( f ) A Truth Affirmation, under Commercial Law, can only be satisfied by a Rebuttal about the Truth Affirmation, by payment, by agreement, by resolution by a grand jury according by the rules for Common Law. \n\nMy request dated XXXX XXXX, for XXXX XXXX to confirm the balance owing on the above referenced matter. We requested for you to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. ( Debtor did not comply with request ) XX/XX/XXXX - USPS - sent This is your verification that there is in fact NO contract between XXXX XXXX XXXX  XXXX and XXXX There was a promise to pay the debt you say is owed in exchange for the ORIGINAL INSTRUMENT of INDEBTEDNESS. Instead you sent a debt validation letter This means you have defaulted on the original offer to pay this debt in full, as you have not provided the ORIGINAL debt instrument validating any financial obligation to XXXX XXXX XXXX, XXXX That makes this account financially and legally settled. \nAs a result of these facts, the claimed debt must no longer be reported to my credit report as XXXX XXXX XXXX, XXXX. and XXXX XXXX XXXX has proven to not be operating correctly in commerce. This correspondence has also been reported to the federal trade commission. I look forward to the removal of all third-party debts, non-bonded and obligated creditors IF REPORTING DOES NOT CEASE, I WILL HAVE NO CHOICE BUT TO FILE A LAWSUIT AGAINST YOUR COMPANY. \nBe advised that validation in defined ( XXXX XXXX XXXX, XXXX XXXX ) is as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or disposition, affidavit of truth of matter stated and object of verification to assure good faith in averments or statements of party. \nDebt collector is further Noticed that this is not a request by Affiant for a photocopy of any invoice, statement, bill, summary, agreement and the like and that any future communication received by Affiant from Debt Collector, in written as well as any other form, absent the above-cited requisite Validation of debt, irrespective of the inclusion of any photocopy of any related involve, statement, bill summary, agreement, and the like, constitutes Debt Collectors tacit admission, confession and agreement that Debt Collector has no lawful, bona fide, verifiable claim, re the alleged account, as per the Fair Credit Reporting Act and the Fair Debt Collection Practices, and Uniform Commercial Code ( UCC ). \nThis lawful request is made in accord with the aforementioned authorities and shall further serve as a request for records as set-forth in the Administrative Procedure Act [ USC 5 551 ]. In addition to other applicable provisions under this Act, you are advised of the obligation to notify me within ten ( 10 ) days ( excepting Saturdays, Sundays, and legal public holidays ) after the receipt of my request to inform me of any refusal or unwillingness to comply or provide records. Under the penalties of perjury, I declare that I examined the facts stated, including any accompanying documents, and, to the best of my knowledge and belief, they are true, correct, and complete. \nXXXX - XXXX I contacted the Indentured Trustee - to enforce by Registered Mail - 3rd and Final with a Billing Right Notice : This will serve as my FINAL written billing dispute regarding unlawful closing of accounts. This dispute is for ALL past, current and present bills under this contract certificate of indebtedness to credit concerning accounts. Your company did not credit my accounts with the 1099 A Third Party 1099 C through our statement sent every year. Your company did not credit my account from the dividends that were created from My Treasury Coupons Via the electronic transfers acts, certificates of indebtedness : XXXX XXXX XXXX Truth and Lending. \n\nEverything is Securities There is No statute of limitations on the FRAUD according to Trade Regulation Rules Part XXXX, which protects consumers ' claims and defenses. It includes terms such as person, consumer, creditor, purchase money loan, financing a sale, and more. 16 CFR 433-1 This will serve as our instruction letter to please do a remittance transfer to our 1099 C so I can properly do my tax returns for XXXX, XXXX, XXXX, XXXX Please send -MAIL my cancellation of debt 1099-C Form copy B for the debtors. Per the electronic funds transfer account. Please return all my floating rate notes, tender received to date with a full accounting.","date_sent_to_company":"2025-04-03T18:28:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94609","tags":"Servicemember","has_narrative":true,"complaint_id":"12809533","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-03T18:27:52.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["We requested for you to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the <em>original</em> instrument of indebtedness in its <em>original</em> form. ( Debtor did not comply with request ) XX/XX/<em>XXXX</em> - USPS - <em>sent</em> This is your verification that there is in fact NO contract between <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> and <em>XXXX</em> There was a promise to pay the debt you say is owed in exchange for the <em>ORIGINAL</em> INSTRUMENT of INDEBTEDNESS."]},"sort":[13.30636,"12809533"]},{"_index":"complaint-public-v1","_id":"12808598","_score":13.290491,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Wells Fargo Case - XXXX Account Unlawfully closed.\n\n( 1 ) I am competent for stating the matters set forth herewith ; ( 2 ) I have personal knowledge about the facts stated herein ; ( 3 ) Everything stated in this TRUTH AFFIRMATION is the Truth, the Whole Truth, and nothing but the Truth and all stated is true, correct, complete, and not misleading. NO THIRD PARTIES ALLOWED.\n\nPLAIN STATEMENT ABOUT THE FACTS : ( a ) For Resolving a Matter it must be expressed ( b ) In XXXX XXXX is Sovereign ; ( c ) Truth is expressed in the Form of an Affirmation ; ( d ) An Unrebutted Affirmation stands as Truth in Commerce ; ( e ) An Unrebutted Affirmation becomes the judgment in Commerce ; ( f ) A Truth Affirmation, under Commercial Law, can only be satisfied by a Rebuttal about the Truth Affirmation, by payment, by agreement, by resolution by a grand jury according by the rules for Common Law. \n\nMy request dated XXXX XXXX, for Wells Fargo to confirm the balance owing on the above referenced matter. We requested for you to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. ( Debtor did not comply with request ) XX/XX/XXXX - USPS - sent This is your verification that there is in fact NO contract between Wells Fargo Bank XXXX and XXXX There was a promise to pay the debt you say is owed in exchange for the ORIGINAL INSTRUMENT of INDEBTEDNESS. Instead you sent a debt validation letter This means you have defaulted on the original offer to pay this debt in full, as you have not provided the ORIGINAL debt instrument validating any financial obligation to WELLS FARGO BANK, N.A.. That makes this account financially and legally settled. \nAs a result of these facts, the claimed debt must no longer be reported to my credit report as WELLS FARGO BANK , N.A . and XXXX XXXX XXXX has proven to not be operating correctly in commerce. This correspondence has also been reported to the federal trade commission. I look forward to the removal of all third-party debts, non-bonded and obligated creditors IF REPORTING DOES NOT CEASE, I WILL HAVE NO CHOICE BUT TO FILE A LAWSUIT AGAINST YOUR COMPANY. \nBe advised that validation in defined ( XXXX XXXX XXXX, XXXX XXXX ) is as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or disposition, affidavit of truth of matter stated and object of verification to assure good faith in averments or statements of party. \nDebt collector is further Noticed that this is not a request by XXXX for a photocopy of any invoice, statement, bill, summary, agreement and the like and that any future communication received by Affiant from Debt Collector, in written as well as any other form, absent the above-cited requisite Validation of debt, irrespective of the inclusion of any photocopy of any related involve, statement, bill summary, agreement, and the like, constitutes Debt Collectors tacit admission, confession and agreement that Debt Collector has no lawful, bona fide, verifiable claim, re the alleged account, as per the Fair Credit Reporting Act and the Fair Debt Collection Practices, and Uniform Commercial Code ( UCC ). \nThis lawful request is made in accord with the aforementioned authorities and shall further serve as a request for records as set-forth in the Administrative Procedure Act [ USC 5 551 ]. In addition to other applicable provisions under this Act, you are advised of the obligation to notify me within XXXX ( XXXX ) days ( excepting XXXX, XXXX, and legal public holidays ) after the receipt of my request to inform me of any refusal or unwillingness to comply or provide records. Under the penalties of perjury, I declare that I examined the facts stated, including any accompanying documents, and, to the best of my knowledge and belief, they are true, correct, and complete. \nXXXX - XXXX I contacted the Indentured Trustee - to enforce by Registered Mail - XXXX and Final with a Billing Right Notice : This will serve as my FINAL written billing dispute regarding unlawful closing of accounts. This dispute is for ALL past, current and present bills under this contract certificate of indebtedness to credit concerning accounts. Your company did not credit my accounts with the 1099 A Third Party 1099 C through our statement sent every year. Your company did not credit my account from the dividends that were created from My Treasury Coupons Via the electronic transfers acts, certificates of indebtedness : XXXX XXXX XXXX Truth and Lending. \n\nEverything is Securities There is No statute of limitations on the FRAUD according to Trade Regulation Rules Part XXXX, which protects consumers ' claims and defenses. It includes terms such as person, consumer, creditor, purchase money loan, financing a sale, and more. 16 CFR 433-1 This will serve as our instruction letter to please do a remittance transfer to our 1099 C so I can properly do my tax returns for XXXX, XXXX, XXXX, XXXX Please send -MAIL my cancellation of debt 1099-C Form copy B for the debtors. Per the electronic funds transfer account. Please return all my floating rate notes, tender received to date with a full accounting.","date_sent_to_company":"2025-04-03T18:28:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94609","tags":"Servicemember","has_narrative":true,"complaint_id":"12808598","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-04-03T16:43:54.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["We requested for you to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the <em>original</em> instrument of indebtedness in its <em>original</em> form. ( Debtor did not comply with request ) XX/XX/<em>XXXX</em> - USPS - <em>sent</em> This is your verification that there is in fact NO contract between Wells Fargo Bank <em>XXXX</em> and <em>XXXX</em> There was a promise to pay the debt you say is owed in exchange for the <em>ORIGINAL</em> INSTRUMENT of INDEBTEDNESS."]},"sort":[13.290491,"12808598"]},{"_index":"complaint-public-v1","_id":"6547538","_score":12.290005,"_source":{"product":"Debt collection","complaint_what_happened":"Document Date : XX/XX/2023, Collector : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account : XXXX ACCT # XXXX To Whom It May Concern, This letter is being sent to you in response to notices sent to me from your company. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that 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. Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay you. \n\nPlease provide me with the following : XXXX ) Please validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) ; XXXX ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; XXXX ) Please provide proof when the original creditor claims this debt became due and when it became delinquent ; XXXX ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and Collector, bearing Consumer wet-ink signature ; XXXX ) Please provide a copy of the last billing statement sent to Consumer by the original creditor ; XXXX ) Please provide late payment notice and/or account closing notice provided by the original creditor ; XXXX ) Please provide me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above-alleged account ; XXXX ) Please provide me a verified certificate of authority, and/or proof that your company are licensed to collect in my State ; XXXX ) Please provide general ledger statement showing the full accounting of the alleged obligation you are attempting to collect, accompanied by a commercial affidavit by the original custodian of the books and records ; XXXX ) Please provide the account and general ledger statement showing the full accounting of alleged obligation that you are now attempting to collect. Such as XXXX XXXX balance sheet ( XXXX # XXXX XXXX, XXXX, XXXX ), XXXX XXXX report, XXXX registration statement, XXXX prospectus, RC-S, and RC-B call schedules ; XXXX ) Please provide verification and/or copy of any judgment if applicable ; XXXX ) Please provide proof of any interest, fees or other charges expressly authorized by the agreement; XXXX ) Please provide a certified copy of all Public Hazard Bond ( s ) and Liability Insurance Policy ( s ) and accounting demonstrating the financial capability of Collector ; XXXX ) Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ; XXXX ) Please provide a Statute of Limitations expressly authorized by the agreement; XXXX ) Finally, please provide an affidavit signed under Penalty of Perjury that Collector or any agent ( s ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act. \n\nAt this time, I also inform you that reporting invalidated information to major credit bureaus ( XXXX, XXXX, XXXX or any third party ) might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Also, this action might 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 to bring legal action against you for the following : Violation of the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act ; Violation of the Consumer Collection Practices Act in my State ; Defamation of Character. \n\nIf your offices can provide proper documentation as requested in the following Declaration, I will require at least XXXX  days to investigate this information and during such time all collection activity must cease and desist. \n\nAlso, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for the suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. \n\nIf your company fails to respond to this validation request within XXXX  days from the date of your receipt, all references to this account must be deleted and completely removed from your firm records and my credit report if reported and a copy of such deletion ( to any/all of the major credit reporting bureaus : XXXX, XXXX, XXXX or third party ) request shall be sent to me immediately. \n\nI would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer-generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX XXXX XXXX XXXX. \nIt would be advisable that you assure your records are in order before I am forced to take legal action against your company. This is an attempt to correct your records, any information obtained shall be used for that purpose. \n\nI am waiting for your immediate action to my requests. \n\nBest Regards, XXXX XXXX To : U.S. Securities and Exchange Commission Office of Investor Education and Advocacy XXXX XXXX XXXX XXXX. \nXXXX XXXX XXXX XXXXXXXX XXXX Tracking # To : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Tracking # To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Tracking # To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tracking # To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tracking # To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tracking # To : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tracking #","date_sent_to_company":"2023-02-08T14:11:30.000Z","issue":"Attempts to collect debt not owed","sub_product":"Federal student loan debt","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"6547538","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ECMC GROUP, INC.","date_received":"2023-02-08T13:19:59.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Best Regards, <em>XXXX</em> <em>XXXX</em> To : U.S. <em>Securities</em> and Exchange Commission Office of Investor Education and Advocacy <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>."]},"sort":[12.290005,"6547538"]},{"_index":"complaint-public-v1","_id":"11510700","_score":11.230309,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"surname : XXXX, given name : XXXX. From here fourth ( XXXX XXXX XXXX XXXX XXXX XXXX \n\nClaimant states that TitleMax has failed to provide the original agreement in accordance with Georgia Code XXXX ( b ), and 12 CFR 202.4 ( d ) ( 2 ). TitleMax also failed to present the original agreement and validation in violation of 12 CFR 1006.34 ( a ) and 15 USC 1692g ( a ), which must be provided no more than five days after initial communication which took place on XX/XX/XXXX. \nTitleMax attempted to collect an unvalidated debt from the claimant on XX/XX/XXXX XXXX. Five days later the claimant did not receive validation of the debt which is again in violation of 12 CFR 1006.34 ( a ) and 15 USC 1692g ( a ). TitleMax Oral communications with the claimant failed to communicate their attempt to collect a debt in accordance with federal law in violation of 15 USC 1692e ( 11 ) and 12 CFR 1006.34 ( c ) ( 1 ) which are required statements. \nBetween the initial communication on XX/XX/XXXX and the attempt to collect an unvalidated unverified debt on XX/XX/XXXX XXXX TITLEMAX never presented a physical original agreement, nor sent one to the claimant electronically. This violates 15 USC 7001 ( c ) in its entirety and 12 CFR 609.950 in its entirety. \nClaimant requested Debt validation from TITLEMAX via certified mail on XX/XX/XXXX XXXX. TitleMax responded via mail on postdate XX/XX/XXXX which was the first time the claimant received any documents from TitleMax at any time. \nWithin TitleMaxs envelope for debt validation was, the initial letter of receipt of request for validation, and a digital print out of the original agreement. Nothing received validated or verified the debt in accordance with 15 USC 1692g ( a ) or 12 CFR 1006.34 ( a ). \nThe claimant found an unidentified signature on the original agreement. Claimant states that this unidentified signature was added to the original Agreement after the fact, in violation of 18 USC 514.\n\nTitleMax continued to attempt to collect an unvalidated debt in violation of the law.\n\nTitleMax violated 15 USC 1692g ( b ) and 12 CFR 1006.34 ( b ) ( 5 ) by not allowing 30 days for claimant to respond. On XX/XX/XXXX TitleMax of XXXX XXXX. in partnership with TitleMax agent XXXX XXXX illegally obtained claimants automobile which is a violation of the validation period allowed and collecting on a disputed debt. \nClaimant only had the ability to read the original agreement after it was sent on XX/XX/XXXX. TitleMax never supplied a digital or physical copy of the agreement until XX/XX/XXXX. \nClaimant found within the original agreement and other forms used by TitleMax the following USC and CFR violations.\n\n15 USC 1692 b ( 2 ) do not communicate to 3rd party persons that consumer ows a debt 15 USC 1692 b ( 5 ) do not use any language or symbols on envelope or in contents..\n\n15 USC 1692 d ( 5 ) calling or causing phone to ring wi\nth intent to annoy.\n\n15 USC 1692 e ( 1The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, 15 USC 1692 e ( 4 ) unlawful seizure of property.\n\n15 USC 1692 e ( 7 ) implication that consumer committed a crime or other conduct in order to disgrace the consumer 15 USC 1692 e ( 8 ) threatening to communicate credit information to any person with failure to communicate that the debt\nis disputed.\n\n15 USC 1692 e ( 9 ) use of any communication that falsely represents that it is State or Gov. authorized.\n\n15 USC 1692 e ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.\n\n15 USC 1692 e ( 11 ) Failure to disclose in communications that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications 15 USC 1692 f ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property 15 USC 1692 g ( a ) ( 1 ) Within five days after the initial communication the amount of the debt ; 15 USC 1692 g ( a ) ( 2 ) Within five days after the initial communication the name of the creditor to whom the debt is owed ; 15 USC 1692 g ( a ) ( 3 ) Within five days after the initial communication a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.\n\n15 USC 1692 g ( a ) ( 4 ) Within five days after the initial communication a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector 15 USC 1692 g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment 15 USC 1692 j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection 15 USC 7001 c ( 1 ) ( A ) did not give to consumer in writing that this is interstate commerce.\n\n15 USC 7001 c ( 1 ) ( B ) informing the consumer of ( I ) any right or option of the consumer to have the record provided or made available on paper or in nonelectronic form.\n\n15 USC 7001 c ( 1 ) ( C ) prior to consenting, is provided with a statement of the hardware and software requirements for access to and retention of the electronic records ; 15 USC 7001 d ( 1 ) ( B ) If a statute, regulation, or other rule of law requires that a contract or other record relating to a transaction in or affecting interstate or foreign commerce remains accessible to all persons who are entitled to access by statute, regulation, or rule of law, 42 USC 408 ( a ) ( 8 ) discloses, uses, or compels the disclosure of the social security number of any person in violation of the laws of the United States ; 12 CFR 1006.18 ( a ) A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, 12 CFR 1006.18 ( b ) ( 1 ) ( i ) False, deceptive, or misleading representations that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof.\n\n12 CFR 1006.18 ( b ) ( 1 ) ( iv ) False, deceptive, or misleading representations that The consumer committed any crime or other conduct in order to disgrace the consumer.\n\n12 CFR 1006.18 ( b ) ( 3 ) A debt collector must not represent or imply that nonpayment of any debt will result in the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful 12 CFR 1006.18 ( c )\n( 3 ) Use or distribute any written communication that simulates or that the debt collector falsely represents to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or that creates a false impression about its source, authorization, or approval.\n\n12 CFR 1006.18 ( d ) A debt collector must not use any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.\n\n12 CFR 1006.18 ( e ) A debt collector must disclose in its initial communication with a consumer that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. If the debt collector 's initial communication with the consumer is oral, the debt collector must make the disclosure required by this paragraph again in its initial written communication with the consumer.\n\n12 CFR 1006.18 ( e ) ( 2 ) Subsequent communications. In each communication with the consumer subsequent to the communications described in paragraph ( e ) ( 1 ) of this section, the debt collector must disclose that the communication is from a debt collector.\n\n12 CFR 1006.18 ( f ) This section does not prohibit a debt collector 's employee from using an assumed name when communicating or attempting to communicate with a person, provided that the employee uses the assumed name consistently and that the debt collector can readily identify any employee using an assumed name.\n\n12 CFR 1006.22 ( a ) A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, 12 CFR 1006.22 ( e ) A debt collector must not take or threaten to take any nonjudicial action to effect dispossession or disablement of property if there is no present right to possession of the property claimed as collateral through an enforceable security interest 12 CFR 1006.34 ( a ) Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information 12 CFR 1006.34 ( a ) ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : In general. A debt collector who s\nends disclosures required by the Act and this part in writing or electronically must do so in a manner that is reasonably expected to provide actual notice, and in a form that the consumer may keep and access later 12 CFR 1006.34 ( a ) ( i ) ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section ; or 12 CFR 1006.34 ( a ) ( i ) ( B ) Within five days of that initial communication ; or 12 CFR 1006.34 ( a ) ( ii ) By providing validation information orally in the initial communication.\n\n12 CFR 1006.34 ( c ) ( 1 ) Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.\n\nThe statement required by 1006.18 ( e ). that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. If the debt collector 's initial communication with the consumer is oral, the debt collector must make the disclosure required by this paragraph again in its initial written communication with the consumer.\n\n12 CFR 1006.34 ( c ) ( 2 ) ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to who\nm the debt was owed on the itemization date 12 CFR 1006.34 ( c ) ( 2 ) ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.\n\n12 CFR 1006.34 ( c ) ( 2 ) ( vi ) The itemization date.\n\n12 CFR 1006.34 ( c ) ( 2 ) ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.\n\n18 USC 514 ( a ) Whoever, with the intent to defraud 1. draws, prints, processes, produces, publishes, or otherwise makes, or attempts or causes the same, within the United States ; 2. passes, utters, presents, offers, brokers, issues, sells, or attempts or causes the same, or with like intent possesses, within the United States ; or 3. utilizes interstate or foreign commerce, including the use of the mails or wire, radio, or other electronic communication, to transmit, transport, ship, move, transfer, or attempts or causes the same, to, from, or through the United States, any false or fictitious instrument, document, or other item appearing, representing, purporting, or contriving through scheme or artifice, to be an actual security or other financial instrument issued under the authority of the United States, a foreign government, a State or other political subdivision of the United States, or an organization, shall be guilty of a class B felony.\n\n15 USC 1644 Fraudulent use of credit card a ) Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce b ) Transporting, attempting or conspiring to transport card in interstate commerce c ) Use of interstate commerce to sell or transport card d ) Receipt, concealment, etc., of goods obtained by use of card e ) Receipt, conceal\nment, etc., of tickets for interstate or foreign transportation obtained by use of card f ) Furnishing of money, etc., through use of card 42 USC 408 ( a ) ( 9 ) conspires to commit any offense described in any of paragraphs ( 1 ) through ( 4 ), shall be guilty of a felony.\n\n( 2 ) makes or causes to be made any false statement or representation of a material fact in any application for any payment or for a XXXX determination under this subchapter; or ( XXXX ) at any time makes or causes to be made any false statement or representation of a material fact for use in determining rights to payment under this subchapter ; 12 CFR 202.4 ( d ) ( 2 ). Disclosures in electronic form. The disclosures required by this part that are required to be given in writing may be provided to the applicant in electronic form, subject to compliance with the consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ) ( 15 U.S.C. 7001 et seq. ). Where the disclosures under 202.5 ( b ) ( 1 ), 202.5 ( b ) ( 2 ), 202.5 ( d ) ( 1 ), 202.5 ( d ) ( 2 ), 202.13, and 202.14 ( a ) ( 2 ) ( i ) accompany an application accessed by the applicant in electronic form, these disclosures may be provided to the applicant in electronic form on or with the application form, without regard to the consumer consent or other provisions of the E-Sign Act. \n\nGeorgia XXXX XXXX ( b ) Every pawnbroker in every pawn transaction shall present the pledgor or seller with a written disclosure ticket or statement in at least nine-point type, appropriately completed, with no other written or pictorial matter except as provided in subsection ( c ) Credit card is defined under 15 USC 1602 ( I ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.\n\nThe claimant Conspiracy is an agreement between two or more people to commit an illegal act, along with an intent to achieve the agreement 's goal. \nConspiracy applies to both civil and criminal offenses. \n\nPersons conspiring to commit or have committed fraud against claimant : XXXX. TitleMax of XXXX XXXX d/b/a TILEMAX EIN XXXX XXXX XXXX. TitleMax of XXXX, TX. \nXXXX. XXXX : XXXX XXXX XXXX. Unidentified signature added to the original Agreement after the fact in violation of 18 USC 514.\n\nAccording to 18 USC 1961 ( 1 ) RICO / Racketeering is a set of illegal activities aimed at commercial profit that may be disguised as legitimate business deals. Racketeering is defined by a coordinated effort by multiple people to repeatedly earn a profit. Typically, by fraud, extortion, bribery, threats, violence, or other illegal means. ( See 18 U.S.C. 1961 ) section 1028 ( relating to fraud and related activity in connection with identification documents ) section XXXX ( relating to financial institution fraud ). \n\nClaimant gives TITLEMAX notice of intent to arbitrate for remedy.","date_sent_to_company":"2025-01-24T19:53:00.000Z","issue":"Can't contact lender or servicer","sub_product":"Title loan","zip_code":"314XX","tags":null,"has_narrative":true,"complaint_id":"11510700","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCF Intermediate Holdings LLC","date_received":"2025-01-14T11:50:00.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Between the initial <em>communication</em> on XX/XX/<em>XXXX</em> and the attempt to collect an unvalidated unverified debt on XX/XX/<em>XXXX</em> <em>XXXX</em> TITLEMAX never presented a physical <em>original</em> agreement, nor <em>sent</em> one to the claimant electronically. This violates 15 USC 7001 ( c ) in its entirety and 12 CFR 609.950 in its entirety. \nClaimant requested Debt validation from TITLEMAX via certified mail on XX/XX/<em>XXXX</em> <em>XXXX</em>."]},"sort":[11.230309,"11510700"]},{"_index":"complaint-public-v1","_id":"12770396","_score":6.748331,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FIRST FEDERAL CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account Number XXXX | Demand for Validation of Debt and Compliance with Federal Statutes To Whom It May Concern : This letter constitutes a formal dispute and demand for validation According to the Fair Credit Billing Act ( 15 U.S.C. 1666 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( B ) ), and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) ( hereafter referred to as FCBA, FCRA, and FDCPA respectively ), this notification informs you that a formal request for validation of alleged billing discrepancies and potential violations, which may suggest fraudulent conduct and predatory lending practices, has been initiated.\n\nFurthermore, in accordance with the Health Insurance Portability and Accountability Act ( HIPAA ), I have the right to protect the privacy of my medical records from third parties. I have no\nt authorized any of my current or previous healthcare providers to disclose my medical information to any third party. While I acknowledge that limited information may be shared as permitted by HIPAA, any additional information should only be disclosed with the patient 's explicit consent. Thus, my request encompasses two aspects : debt validatio\nn and HIPAA compliance. It is your responsibility as the relevant entity to provide comprehensive documentation demonstrating your legitimacy as the involved party concerning the aforementioned allegations. This documentation should address and rectify any reported information that does not fully comply with the accuracy, truthfulness, and completeness requirements stipulated not only by FCRA and FDCPA but also in accordance with the XXXX XXXX credit reporting standards. \n\nPlease note that this communication explicitly seeks a thorough validation of the debt in question, in strict accordance with 15 U.S.C 1692g Sec. 809 ( b ) of the FDCPA. It is not simply a request to confirm my mailing address. Moreover, this demand serves as a warning against engaging in actions or making representations that would breach the provisions outlined in 15 U.S.C 1692e, which pertain to the dissemination of false or misleading information.\n\nIt is important to highlight that engaging in practices that violate consumer protection laws and regulations, including but not limited to The Deceptive Trade Practices Act ( 15 U.S.C 45 ), the XXXX Fair Debt Collection Practices Act, Truth in Lending Act ( TILA ), Regulation Z, and Unfair, Deceptive, or Abusive Acts or Practices, is prohibited. As dictated by current jurisprudence governing Federal consumer protection law, Consumer Reporting Agencies are obligated to diligently verify the accuracy of the information they distribute, which exceeds the mere replication of data obtained from secondary sources. Thus, I formally request that your office provide me with verifiable evidence of my alleged financial obligation. This documentation should conform to Federal Rules of Civil Procedure Evidence XXXX and be accompanied by an officially certified XXXX XXXX. Furthermore, I require copies of both the front and back, duly certified as accurate and reflecting any indebtedness that is purportedly my responsibility. \n\nI hereby notify that any further dissemination of unfounded information to the major credit bureausnamely XXXX, XXXX, and XXXX implicate your office in deceptive practices under applicable federal and state statutes. Continuing such actions could expose your office to litigation under the Deceptive Trade Practices Act ( Title 15 U.S.C. 45 ), the Fair Debt Collection Practices Act ( FDCPA ), the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) 501.2077 ( 2 ), and other relevant laws such as TILA, XXXX. XXXX, XXXX, XXXX Tort Fraud, and FCRA. \n\nYour legal advisors should be aware of the severe consequences associated with noncompliance with these statutes, which may lead to scrutiny by the Federal Trade Commission and other regulatory agencies. Non-compliance with the Fair Credit Reporting Act may result in action from the FTC, Consumer Financial Protection Bureau ( CFPB ), state entities, or affected consumers. \n\nUpon receipt of the requested validation documents within XXXX days, I will review them within an identical period during which all collection attempts must be suspended. During this validation period, any action that negatively affects my credit ratings will prompt consultation with legal counsel. Non-compliance with this request could place your company in significant legal jeopardy with federal and state agencies. Failure to provide proper documentation within XXXX days will also constitute continued reporting of invalidated information to any major credit bureau as fraud under both federal and state laws. All inaccurate or invalidated information must be immediately stricken as fraudulent and void ab initio from your Hierarchy until all validation documentation is provided. If your establishment or the company you represent continues to report negative marks on my credit reports without proper validation, I advise you to ensure all records are accurate and validated. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action XXXX XXXX XXXX XXXX Please provide the following : 1. Pursuant to relevant commercial statutes of the State of XXXX, you are hereby requested to provide a certified copy of your business license evidencing your legal authority to conduct business within the State. \nXXXX. Please provide a chain of assignment for this reference XXXX : XXXX. \nXXXX. Please Provide the forward flow agreement. for this reference XXXX : XXXX. \nXXXX. Please provide any are all arbitration agreement for this reference XXXX : XXXX. \nTrust 5. Securitization Clarity : Can you provide documentation detailing whether the alleged debt has been securitized? If so, please furnish the relevant securitization agreement that includes the chain of ownership of this debt from the original creditor to the current entity and any changes in ownership that have occurred.\n\n6. Disclosure of Conditions : Given that securitized debts often involve multiple parties, can you explain how you ensure compliance with FCBA and FDCPA in your communications and reporting practices? What specific measures do you have in place to prevent violations, especially regarding the requirement of clear disclosure?\n\n7. Validation Standards : What internal standards and procedures do you have to validate a debt that is claimed to be securitized? Can you describe how you verify compliance with federal regulations before attempting to collect on such debts?\n\n8. Chain of Custody Documentation : Can you provide a complete chain of custody for the documents substantiating this debt? This includes all agreements, updates, and assignments that have occurred since the inception of the debt. How do you maintain the integrity of the documentation in compliance with federal statutes?\n\n9. Specific Compliance Protocols : Specifically, what protocols are in place to ensure that any handling of this accountespecially communications regarding the debtdoes not violate provisions under the FCRA and FDCPA? Can you provide a detailed description of your training programs for employees regarding compliance with these acts?\n\nTrust Structure and Pool Details 10. Can you provide a detailed description of the specific trust or pool into which my alleged debt has been securitized? Please include the name, date of formation, and the parties involved in the trust and how they relate to my debt.\n\n11. What criteria were used to categorize debts into this trust pool, and how does this categorization impact the servicer 's responsibilities and the collection process?\n\nSecuritization Documentation 12. Please provide access to the securitization agreement, including any prospectus or offering documents related to the trust that includes my alleged debt. What information does this documentation provide regarding the treatment of consumer debts in the pool?\n\n13. Can you clarify any amendments or updates to the original securitization documents that may affect the validation process of my debt?\n\nServicer Responsibilities 14. What role does the servicer play in managing and collecting on the debts within this securitized pool? How is their authority limited in relation to Federal consumer protection laws?\n\n15. Could you provide a detailed explanation\nof the servicing agreement and how it governs the collection practices applied to my account? Specifically, how does this agreement ensure compliance with FCBA, FCRA, and FDCPA?\n\nVerification of Debt Ownership 16. How does XXXX XXXX verify its ownership of the alleged debt given its securitization? Please outline the internal processes used to ensure that records are accurate and complete before such debts are sent to collections. \nXXXX. What documentation can you provide that clearly establishes the chain of ownership from the original creditor to XXXX XXXX and any subsequent transfers related to this debt?\n\nRegulatory Compliance and Reporting 18. What specific procedures does XXXX XXXX have in place to ensure ongoing compliance with XXXX  regulations concerning the reporting of securitized assets? How do these procedures affect the handling of consumer accounts?\n\n19. Can you describe the internal audits or compliance checks that are conducted to ensure that your reporting to credit bureaus aligns with the requirements of both the FCRA and FDCPA?\n\nRemedies for Compliance Issues 20. Should discrepancies arise in the validation process related to the SEC prospectus disclosures, what mechanisms does XXXX XXXX have in place for the remediation of non-compliance in credit reporting? \n21. How can a consumer request a review or correction should inaccuracies be identified?\n\n22. To ascertain the identity of the individual owing the debt in question, please disclose the last four digits of the individual 's social security number for accurate identification, subject to appropriate privacy safeguards.\n\n23. Provide a certified copy of the original contract held by XXXX XXXX XXXX, with XXXX XXXX. \n\n24. Present an authenticated chain of title documentation explicitly verifying your right to collect on this debt. This must include the complete history of the account from the original creditor to XXXX XXXX XXXX, and any subsequent sales or transfers of the alleged debt. \n\n25. Provide certified copies of all agreements leading up to and including the assignment of the debt.\n\n26. Furnish a complete and legible accounting ledger showing each transaction that comprises the total amount claimed as owed. The ledger must be detailed enough to delineate all communication, transactions, service charges, and payments between myself and the alleged creditor.\n\n27. Include any interest computations, fees, charges, or penalties that have contributed to the cumulative amount of the alleged debt, supported by a contractual basis for each charge.\n\n28. Provide a notarized affidavit from an authorized XXXX of XXXX XXXX XXXX affirming that all collection practices related to this account comply with the FDCPA, FCRA, and other applicable federal laws.\n\n29. Include documentation that demonstrates your staff has been trained on these laws and regulations pertaining to debt collection.\n\n30. Submit evidence that your organization has legally obtained the authority to forward the collection of this alleged debt. This includes a certification that XXXX XXXX XXXX possesses all necessary licenses and bonding required to conduct collection actions in the state of Florida.\n\n31. Include a copy of the compliance review performed to ensure adherence to state and federal guidelines.\n\n32. Disclose the identities of all entities and individuals holding a stake in the claim against me, including any partnerships, trusts, or third-party investors that may have financial interests in this debt.\n\n33. Provide a copy of any management agreements or contracts relating to these stakeholders that impact your agencys ability to collect the monetary claim against me.\n\n34. You are required to supply a **Bill of Sale** accompanied by a certification demonstrating the authentic transfer of the debt, as well as evidence that XXXX XXXX XXXX XXXX XXXX **original documents** of the claims being initiated against me by all collection parties.\n\n35. Attach an authenticated copy of the **Servicing Agreement** that grants authority for collections of the debt in question.\n\n36. Provide a certified copy of the contract between the alleged creditor and XXXX XXXX XXXX, demonstrating the purchase of the alleged debt including all related costs.\n\n37. Provide a certified copy of the contract authorizing XXXX XXXX XXXX, to act on behalf of the alleged creditor.\n\n38. Provide certified copies of all records and a full accounting of the referenced account ( ACCT. # as specified in your letter ), including all records from XXXX XXXX XXXX XXXX demonstrating that a valid debt exists. \n\n39. Provide a complete list of all officers of XXXX XXXX XXXX, with full contact information including name, title, direct mailing address, direct phone number ( s ), fax number ( s ), and email address. A link to a website is not acceptable.\n\n40. Provide an affidavit signed under penalty of perjury that XXXX XXXX XXXX or any agent acting on their behalf has not violated any portion of the FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). Additionally, provide a certified copy of all Public Hazard Bonds and/or Liability Insurance Policies .\n\n41. Furnish an authenticated copy of the Master Servicing Agreement between your organization and the abovementioned client detailing your authority to pursue collection of the alleged debt on behalf of the Trustee.\n\n42. Present a certified copy of any agreements bearing the signature of the alleged debtor wherein they consented to an obligation to pay monies to XXXX XXXX XXXX. \n\n43. Under 15 USC 1641 ( f ) ( 2 ), provide the full legal name, physical address, and telephone number of the fiduciary or trustee who owns the aforementioned debt for purposes of due process and transparency.\n\n44. Present incontrovertible evidence, under oath and subject to penalties of perjury pursuant to Rule 17 of the Federal Rules of Civil Procedure, that verifies your status as the original Holder in Due Course with the necessary standing. This evidence must include a verifiable Bill of Receipt demonstrating actual \" purchase '' and non-divided ownership interest in the specified debt. In addition, any claimed contractual obligations between Trustee et al. and myself must be clearly established.\n\n45. Furthermore, provide all transactional records, ledgers, registers, and other documents reflecting account activity from inception to present. Attach an original signed agreement involving the alleged debtor with your agency ; redact any sensitive personal information to prevent misuse or identity theft. Affirm that you or your company retain ownership and Holder in Due Course status over this agreement, providing proof thereof.\n\n46. For full transparency regarding the alleged financial obligation currently under collection, you are requested to produce all pertinent accounting records. This includes a detailed general ledger or other account statements detailing all entries related to the obligation. Specifically, if applicable, furnish documents such as Form XXXX XXXX balance sheets ( XXXX Numbers XXXX, XXXX, XXXX ), any relevant Form XXXX OID reports, Form XXXX registration statements, Form XXXX prospectuses, as well as RC-S and RC-B call schedules. \n\n47. Additionally, provide the authenticated name and official capacity of the individual ( s ) appointed as Trustee or any equivalent fiduciary within the Corporation responsible for debt collection activities. This request also includes information regarding the XXXX XXXX XXXX  and their subordinate officers tasked with collections.\n\n48. If your entity is acting as a third-party debt collector concerning the aforementioned debt obligation, certify that you have not acquired any evidence of said debt and are proceeding with collection solely as an agent for the original creditor of record for this agreement. \n\n49. Under relevant legal and regulatory provisions, you are required to furnish written validation from the aforementioned creditor confirming your authorization to represent them in this matter.\n\n50. Subsequent communications to the Claimant, following the receipt of this notice, without proper procedural validation of the alleged debt, may infringe upon Title 18 of the United States Code, Part I Chapter 63 Section 1341. Such actions could be interpreted as intentional fraudulent practices via inter-state communications, based on disseminating known false information with reliance thereon resulting in detrimental consequences.\n\n51. You are required to provide a comprehensive copy of any insurance or securities claims asserted by any creditor or trustee related to this account.\n\n52. Additionally, supply all relevant security instruments associated with this account, whether certificated or uncertificated, including both front and back imprints evidencing the facilitation of account funding.\n\n53. All contracts and agreements pertinent to this account must be disclosed. This includes, but is not limited to, Service Agreements, Custodial Agreements, Master Purchase Agreements, and Issuer Agreements established with any Government-Sponsored Enterprises ( GSEs ).\n\n54. Moreover, complete disclosure is required for all Pooling Agreements encompassing this account in which a GSE is a party.\n\n55. Provide complete records of all agreements, contracts, and mutual understandings enacted with third-party vendors for services rendered in connection with charges levied against this account from its inception to the present day.\n\n56. This request extends to all Commitment to Guarantee agreements and Release of Document agreements entered into between your establishment and any GSEs.\n\n57. Furnish copies of the Master Agreement for Servicer 's Principal and Interest Custodial Accounts as well as records pertaining to any Servicers Escrow Custodial Accounts between the Trustee and your organization in connection with any GSE interactions.\n\n58. Provide all Trustee agreements pertinent to the acc\nount in question or relating to any collective accounts with any Government-Sponsored Enterprise ( GSE ).\n\n59. Provide documentation of any communications directed to the presumed debtor, including a record demonstrating the precise date and time these communications were dispatched by post from your institution. This request encompasses correspondences sent prior to reporting adverse credit information or within a thirty-day period subsequent to such reporting. It is incumbent upon your organization to ensure these notifications are distinctly legible and prominent in nature, adhering strictly to the model disclosures provided by the Consumer Financial Protection Bureau under 12 CFR Part 1022, Appendix B, pursuant to Fair Credit Reporting Act Section 623 ( a ) ( 7 ).\n\n60. An authenticated copy of your organizations license permitting debt collection activities within the State of XXXX. \n\n61. Evidentiary proof that the purported debt is not subject to expiration as per the applicable statute of limitations.\n\n62. A bona fide copy of your servicing agreement or documented Power of Attorney granted by the trustee.\n\n63. A true and correct copy of The Pooling and Servicing Agreement associated with the alleged account.\n\n64. Accurately documented details including the name, address, and Committee on Uniform Security Identification Procedures ( CUSIP ) number related to the alleged account.\n\n65. Any decrees or judgments obtained by any creditor or Trustee concerning this account.\n\n66. The full legal name, current address, and telephone number of the Trustee.\n\n67. The names and addresses of all individuals, corporate entities, associations, or third parties with a vested interest in legal proceedings concerning the alleged indebtedness.\n\n68. Disclosure of the full name and address of the individual or entity purported to owe the debt ( \" Alleged Debtor '' ).\n\n69. Provision of a complete ledger and accounting breakdown detailing the composition and calculation of the alleged debt being pursued.\n\n70. Statement of the precise amount claimed as owed under the alleged debt.\n\n71. Specification of the date when the alleged debt became due and payable.\n\n72. Identification of the date on which the original charge became delinquent or was written off.\n\n73. Confirmation that the right to collect this debt has been lawfully transferred or sold to your collection agency.\n\n74. Detailed statement reflecting every transaction and credit applied to the account in question, summarily comprising a comprehensive accounting of said alleged debt.\n\n75. Declaration regarding any contingent compensation attributable to your organization upon successful recovery of the alleged debt.\n\nIt is imperative that you acknowledge that any further attempt to contact me regarding this matter, absent satisfactory provision of each item delineated above in compliance with my validation request, could constitute mail fraud under 18 U.S.C 1341, for knowingly perpetrating an illegitimate claim through interstate communication channels with intent to deceive and cause foreseeable harm. \n\nFurthermore, you are instructed to submit evidence identifying the surety bond provider for XXXX XXXX XXXX for any necessary legal proceedings. Absence of such documentation or failure to adequately validate the alleged debt as stipulated completed and returned with all requested documents within 30 days of receipt herein will result in your claims being treated as nullified and extinguished ; such claims shall not be subject to resale or further collection activities and must be expunged from your records accordingly. \n\n\nPlease note that a consumer credit contract is insufficient for validation. Validation requires the presentment of the account and a general ledger statement signed and dated by the responsible party. Relevant case law includes XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. \nBe advised that pursuant to Section 617 of aforementioned Federal Law ( 15 U.S.C. 1692g ), failure or negligence in complying with this law is very clear as to the Civil liability and the remedy available to me for the \" negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. \n\n\nRespectfully, XXXX XXXX Litigation I have not been supplied proof per doctrine of estoppel by silence as established in Engelhardt v. Gravens ( Mo ) 281 SW 715, 719. I presume no evidence of the alleged debt exists. \nPlease note that in accordance with legal precedents, a mere copy of the consumer credit contract does not suffice to substantiate the validity of the asserted debt. Proper validation is contingent upon the provision of the relevant account statement, together with a general ledger record, each authenticated by signature and date from the individual responsible for managing said account. This requirement is in alignment with established case law, including but not limited to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nEXHIBIT A CREDITOR DISCLOSURE STATEMENT Collector ( Assignee ) Information : Name and Address : [ Collectors Name and Address ] Debtor Information : Name and Address : [ Debtors Name and Address ] Account Identification : [ Account Number ( s ) ] Assignment Terms : Please delineate the terms of assignment for the subject account, including any associated documents or facsimiles evidencing such terms. \n\nInsurance Claims : Indicate whether any insurance claims have been filed by any creditor or assignee in connection with the aforementioned account.\n\n[ ] Yes [ ] No Tax Deduction Claims : Confirm if the stated balance of this account has been included in any tax deduction claims to date.\n\n[ ] Yes [ ] No Products or Services Detailed Account : List the specific products or services provided by the collector to the debtor, along with the associated monetary amounts for each. \n\nValidation Failure or Refusal Consequences : Please acknowledge that upon a failure or refusal by the collector to validate this debt collection action, the collector must relinquish all claims against the debtor named herein and will be responsible for reimbursing the debtor for all resulting legal costs and attorney fees incurred in defense against this collection action.\n\nAuthorized Representatives Signature : ____________________________________________ Date : ____________________________________________ Compliance Notice : You are required to return this duly completed form alongside all pertinent assignment or transfer documents substantiating your right to collect on this debt. Incomplete submissions or failure to provide necessary documentation precludes consideration of your claim. Pursuant to the Fair Debt Collection Practices Act, non-compliance with this validation request mandates that your claim be disregarded and may expose you to liability for damages resulting from continued attempts at collection. \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nREQUESTED INFORMATION AGREEMENT AUTHORIZING THE COLLECTION OF ALLEGED DEBT This document serves as an agreement between ________ XXXX XXXX, XXXX ( hereinafter referred to as \" Creditor '' ) and the client, granting Creditor the authority to collect the alleged debt. \n\nCreditor is required to answer the following questions by checking the appropriate checkbox. If any insurance claims have been made by any entity holding the Debtor 's account, Creditor must select the checkbox labeled \" Yes '' below the first question.\n\n1. Have any insurance claims been made by any creditor regarding this account?\n\nYes No Creditor is also required to indicate if any judgments have been obtained by any credit regarding this account, by selecting the checkbox labeled \" Yes '' below the second question.\n\n2. Have any judgments been obtained by any credit regarding this account?\n\nYes No If no insurance claims or judgments have been made regarding the account in question, Creditor must chec\nk the box labeled \" No ''.\n\n1. Have any insurance claims been made by any creditor regarding this account?\n\n2. Have any judgments been obtained by any credit regarding this account?\n\nNo If Creditor has filed any paperwork with the courts resulting in any judgments regarding the account in question, the checkbox labeled \" Yes '' below the question beginning with the words \" Have Any Judgments ... '' should be marked.\n\n1. Have any insurance claims been made by any creditor regarding this account?\n\nYes No 2. Have any judgments been obtained by any credit regarding this account?\n\nYes No If no judgments have been made regarding the account in question, the box labeled \" No '' must be selected.\n\n1. Have any insurance claims been made by any creditor regarding this account?\n\nYes No 2. Have any judgments been obtained by any credit regarding this account? \nYes -No The blank space that precedes the label \" XXXX XXXX, XXXX '' shall be completed with the Debt Collector 's full name. \n\nPlease provide the name and address of the bonding agent for \" XXXX XXXX, XXXX \" in the event that legal action becomes necessary. \n\n__________________________________________________________________________________ __________________________________________________________________________________ __________________________________________________________________________________ Most Debt Collectors are required to have a bonding agent in place, either actively involved or retained, should they be called upon. The legal name and mailing address of this agent should be provided on the lines below the statement \" ... In Case Legal Action Becomes Necessary. '' In case legal action becomes necessary. \n\n__________________________________________________________________________________ __________________________________________________________________________________ __________________________________________________________________________________ The Creditor, typically a financial institution rather than an individual, must appoint an Authorized Signature Representative to physically sign the line labeled \" Authorized Signature Of Creditor. '' The Authorized Signature Representative shall also enter the current calendar date on the line labeled \" Date. '' Authorized Signature of Creditor : __________________________________________ Date : _______________________ EXHIBIT B NOTICES TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( \" FCRA '' ), as amended, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( \" CRAs '' ). These responsibilities are found in Section623 of the FCRA. State law may impose additional requirements. All furnishers of information to CRAs should become familiar with the law and may want to consult with their counsel to ensure that they are in compliance. The FCRA, 15 U.S.C. 1681-1681u, is set forth in full at the Federal Trade Commission 's Internet website ( XXXX XXXX XXXX ). Section 623 imposes the following duties : General Prohibition on Reporting Inaccurate Information : The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( \" CRA '' ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( l ) ( A ) and ( a ) ( l ) ( C ) Duty to Correct and Update Information : If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section623 ( a ) ( 2 ) Duties After Notice of Dispute from Consumer : If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific Information is inaccurate, and the information is in fact inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( l ) ( B ) Duties After Notice of Dispute from Consumer Reporting Agency : If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by th","date_sent_to_company":"2025-04-02T01:40:26.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"33324","tags":null,"has_narrative":true,"complaint_id":"12770396","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"First Federal Credit Control, Inc.","date_received":"2025-04-02T01:15:24.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["You are required to supply a **Bill of Sale** <em>accompanied</em> by a certification demonstrating the authentic transfer of the debt, as well as evidence that <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> **<em>original</em> documents** of the claims being initiated against me by all collection parties.\n\n35. Attach an authenticated copy of the **Servicing Agreement** that grants authority for collections of the debt in question.\n\n36."]},"sort":[6.748331,"12770396"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":8,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":8}]}},"product":{"doc_count":8,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":3}]}},{"key":"Credit card","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":2}]}},{"key":"Debt collection","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":1},{"key":"Federal student loan debt","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Title loan","doc_count":1}]}}]}},"issue":{"doc_count":8,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Improper use of your report","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":3}]}},{"key":"Attempts to collect debt not owed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt was result of identity theft","doc_count":1}]}},{"key":"Can't contact lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Closing your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1}]}},{"key":"Problem with a purchase shown on your statement","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card company isn't resolving a dispute about a purchase on your statement","doc_count":1}]}},{"key":"Written notification about debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive notice of right to dispute","doc_count":1}]}}]}},"timely":{"doc_count":8,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":8}]}},"company_response":{"doc_count":8,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":7},{"key":"Closed with monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":8,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":8}]}},"company":{"doc_count":8,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"AMERICAN EXPRESS COMPANY","doc_count":1},{"key":"CCF Intermediate Holdings LLC","doc_count":1},{"key":"ECMC GROUP, INC.","doc_count":1},{"key":"EQUIFAX, INC.","doc_count":1},{"key":"Experian Information Solutions Inc.","doc_count":1},{"key":"First Federal Credit Control, Inc.","doc_count":1},{"key":"JPMORGAN CHASE & CO.","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1}]}},"state":{"doc_count":8,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":3},{"key":"GA","doc_count":2},{"key":"FL","doc_count":1},{"key":"MI","doc_count":1},{"key":"MT","doc_count":1}]}},"company_public_response":{"doc_count":8,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":3},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":1}]}},"tags":{"doc_count":8,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":4}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}