{"took":173,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":15,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7906345","_score":13.7275305,"_source":{"product":"Credit card","complaint_what_happened":"I submitted an application that was denied. I caIled customer service, after the call getting \" disconnected '' numerous times when told they were in violation of the law, I was able to get a customer service rep who informed that someone would contact me. requested a specific reason for the denial. The response was because my credit was frozen. That was not true. I explained that it was not frozen and asked for specific reasons. I was never given a specific reason. I was told about factors and algorithms, but never a specific reason. The company continues to close the case without a sufficient resolution. \n\nBelow is all written correspondence with the company representatives with my name removed. \n\nHello *Name Thank you for contacting Affirm! \n\n\n\nMy name is XXXX, from the Customer Care Affirm Department and I will be more than glad to assist you with your concern. \n\n\n\nThank you for your patience as we looked into this matter. I was able to see that youre trying to make a purchase but are being declined. After reviewing your account, we can confirm that your credit is frozen or locked. \n\n\n\nIn order to successfully apply for a loan, youll have to temporarily lift the freeze or lock before we can process your application. Affirm works with the credit report agencies listed below. Make sure to lift your freeze or lock at all agencies where you have XXXX in place. You can do this online or via phone using the contact information below. \n\n\n\nXXXX : ( XXXX ) XXXX https : XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX When you lift your freeze or lock online or by phone, it usually takes effect quickly, sometimes within minutes. However, to be on the safe side, you should wait about an hour before you come back to Affirm and continue your application. When you lift your freeze or lock by mail, it can take up to a few days for the lift to take effect. \n\n\n\nNote that both agencies will provide the option to temporarily or permanently lift the freeze or lock. If you opt to lift it temporarily, you may need to go through this process again the next time you apply for an Affirm loan. \n\n\n\nWe apologize for any inconvenience this has caused. For any further questions, please let us know by responding to this message or please give us a call at XXXX. Our customer care agents are available 7 days a week from XXXX - XXXX XXXX. Or any further questions, please contact XXXX through the Affirm help center at affirm.com/help. \n\n\n\nKind regards, XXXX XXXX XXXX. \n\nDownload Affirm app YOU ( VIA THE HELP CENTER ) XXXX, XXXXXXXX XXXX Hello XXXX XXXX I spoke with representatives at XXXX and XXXX and both report that there is no security freeze on my file, temporary or permanent. So that was not the specific reason for the declination. Discrimination happened, and the Equal Credit Opportunity Act make discrimination in a credit transaction unlawful.\n\nECOA makes it unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex or marital status, age ( provided the applicant has the capacity to contract ), because all or part of the applicants income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. I exercised my rights when I spoke with the Affirm representative last night. Take a listen to the multiple recorded phone calls. Once I started to exercise my rights in good faith, the phone calls were disconnected numerous times in an attempt to deny my rights as a consumer.\n\nThis Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit.\n\nIn addition, ECOA provides that a creditor must provide a statement of specific reasons in writing to applicants against whom adverse action is taken. No specific reason was given, only a list of factors, which is different from a principal reason. Adverse action [ s ] include denying an application for credit, terminating an existing credit account, making unfavorable changes to the terms of an existing account, and refusing to increase a credit limit.\n\nPursuant to Regulation B, a statement of reasons for adverse action taken must be specific and indicate the principal reason ( s ) for the adverse action.> Regulation B explains that [ s ] tatements that the adverse action was based on the creditors internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditors credit scoring system are insufficient. The Official Interpretations to Regulation B explain that [ t ] he specific reasons disclosed... must relate to and accurately describe the factors actually considered or scored by a creditor. Moreover, [ i ] f the reasons listed on the forms are not the factors actually used, a creditor will not satisfy the notice requirement by simply checking the closest identifiable factor listed. With respect to adverse actions based on a credit scoring system specifically, the Official Interpretations explain that the reasons disclosed must relate only to those factors actually scored in the system. Moreover, no factor that was a principal reason for adverse action may be excluded from disclosure. The creditor must disclose the actual reasons for denial ( for example, age of automobile ) even if the relationship of that factor to predicting creditworthiness may not be clear to the applicant.\n\nI study consumer law and I am aware how borrowing, lending, banking, performance, securitization, and contracts work. Once I gave my Social Security Number and gave value to the credit application security, I should have been granted credit in the amount requested as a U.S. Citizen backed by the full faith and credit of the united states. This was more than sufficient to cover amount of the consumer credit transaction, which was the purchase price of the transaction {$660.00} on the XXXX website.\n\nGrant the credit in an amount at or above the amount requested or retract my application security instrument and return the tender of the funds you received, to me. \nThank you for your time and attention. \n\nBy : *Name YOU ( VIA THE HELP CENTER ) XXXX, XXXX AM How is this case \" Closed ''? I have not received a response since informing XXXX that there are no security freezes at the listed credit reporting companies. \nXXXX AT AFFIRMXXXX, XXXX AM Hi *Name, My name is XXXX and I'm a supervisor on the Customer Care team with Affirm XXXX I understand you are seeking clarification regarding your recent loan declination. I'm happy to provide additional insight. \n\n\n\nWhen reviewing your application Affirm considers several factors on your credit report including things like recently opened and closed tradelines, your repayment history, your credit limit and usage rate as well as your inquiry history. I see your recent declinations between XX/XX/XXXX and XX/XX/XXXX were declined because your reported XXXX score is below our minimum requirement. The last time you were declined a loan with Affirm due to a security freeze was on XX/XX/XXXX. As a reminder, these denials do not mean you will never be approved for a loan with Affirm in the future. I can see from your account you have been approved for loans with Affirm in the past and are still able to apply for loans with us in the future. \n\n\n\nAdditionally, please understand that Affirm does not discriminate against any prohibited factors, such as race, color, religion, marital status, national origin, age, gender or sex play a part in Affirm 's automated algorithm that determines the creditworthiness of our applicants.\n\nIf you have any additional questions or concerns, please contact us through the Affirm Help Center at XXXX XXXX XXXX or call us at XXXX between the hours of XXXX am and XXXX pm XXXX  XXXX days a week. \n\n\n\nThanks, XXXX XXXX. \n\nDownload Affirm app YOU ( VIA THE HELP CENTER ) XXXX, XXXX PM As I stated prior, I study consumer law and I am aware how borrowing, lending, banking, performance, securitization, and contracts work. Once I gave my Social Security Number and gave value to the credit application security, I should have been granted credit in the amount requested as a XXXX Citizen backed by the full faith and credit of the United States. This was more than sufficient to cover amount of the consumer credit transaction, which was the purchase price of the transaction {$660.00} on the XXXX website. \nMy multiple applications were turned into securities once I performed by offering my Social Security XXXXmber and a digital signature. Therefore either retract the multiple applications as instruments which were securitized and turned into legal tender at the time of the application and received by Affirm ; then tender payment to me for all interest, credits, and deposits received. Or grant the credit on an Affirm card in the amount of the transaction for each application instrument and return the tender of the funds you received, to the Principal from whom banks actually derive loan funds from. \n\nThank you for your time and attention. \nBy : *Name YOU ( VIA THE HELP CENTER ) XXXX, XXXXXXXX XXXX Hello XXXX XXXX, I read your reply. \n\nIn it you state, \" I see your recent declinations between XX/XX/XXXX and XX/XX/XXXX were declined because your reported XXXX score is below our minimum requirement. '' That answer in insufficient and not a lawful reason. Once again Affirm is discriminating. \n\nAs I listed in previous communication, Regulation B explains that [ s ] tatements that the adverse action was based on the creditors internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditors credit scoring system are insufficient.\n\nSo that answer about a score is insufficient.\n\nAlso, you stated, \" Additionally, please understand that Affirm does not discriminate against any prohibited factors, such as race, color, religion, marital status, national origin, age, gender or sex play a part in Affirm 's automated algorithm that determines the creditworthiness of our applicants. '' An automated algorithm is not sufficient as well.\n\nAlso in the law, \" Creditors who use complex algorithms, including artificial intelligence or machine learning, in any aspect of their credit decisions must still provide a notice that discloses the specific principal reasons for taking an adverse action. Whether a creditor is using a sophisticated machine learning algorithm or more conventional methods to evaluate an application, the legal requirement is the same : Creditors must be able to provide applicants against whom adverse action is taken with an accurate statement of reasons.15 The statement of reasons must be specific and indicate the principal reason ( s ) for the adverse action.16 A creditor can not justify noncompliance with ECOA and Regulation Bs requirements based on the mere fact that the technology it employs to evaluate applications is too complicated or opaque to understand. A creditors lack of understanding of its own methods is therefore not a cognizable defense against liability for violating ECOA and Regulation Bs requirements.\n\nSo yet and still, no specific and accurate reason given has been sufficient enough to justify the adverse action as anything but discrimination. Which is unlawful and a violation of the ECOA.\n\nYes. ECOA and Regulation B require creditors to provide statements of specific reasons to applicants against whom adverse action is taken. Some creditors may make credit decisions based on certain complex algorithms, sometimes referred to as uninterpretable or black-box models, that make it difficultif not impossibleto accurately identify the specific reasons for denying credit or taking other adverse actions.1 The adverse action notice requirements of ECOA and Regulation B, however, apply equally to all credit decisions, regardless of the technology used to make them. Thus, ECOA and Regulation B do not permit creditors to use complex algorithms when doing so means they can not provide the specific and accurate reasons for adverse actions.\n\nECOA makes it unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex or marital status, age ( provided the applicant has the capacity to contract ), because all or part of the applicants income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.2 In addition, ECOA provides that a creditor must provide a statement of specific reasons in writing to applicants against whom adverse action is taken.3 Adverse action [ s ] include denying an application for credit, terminating an existing credit account, making unfavorable changes to the terms of an existing account, and refusing to increase a credit limit.4 Pursuant to Regulation B, a statement of reasons for adverse action taken must be specific and indicate the principal reason ( s ) for the adverse action.>5 Regulation B explains that [ s ] tatements that the adverse action was based on the creditors internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditors credit scoring system are insufficient.6 The Official Interpretations to Regulation B explain that [ t ] he specific reasons disclosed... must relate to and accurately describe the factors actually considered or scored by a creditor.7 Moreover, while Appendix C of Regulation B includes sample forms intended for use in notifying an applicant that adverse action has been taken, [ i ] f the reasons listed on the forms are not the factors actually used, a creditor will not satisfy the notice requirement by simply checking the closest identifiable factor listed.8 With respect to adverse actions based on a credit scoring system specifically, the Official Interpretations explain that the reasons disclosed must relate only to those factors actually scored in the system. Moreover, no factor that was a principal reason for adverse action may be excluded from disclosure. The creditor must disclose the actual reasons for denial ( for example, age of automobile ) even if the relationship of that factor to predicting creditworthiness may not be clear to the applicant.9 ECOAs notice requirements were designed to fulfill the twin goals of consumer protection and education.10 In terms of consumer protection, the notice requirement is intended to prevent discrimination ex ante because if creditors know they must explain their decisions... they [ will ] effectively be discouraged from discriminatory practices.11 The notice requirement fulfills a broader need as well by educating consumers about the reasons for the creditors action.12 As a result of being informed of the specific reasons for the adverse action, consumers can take steps to try to improve their credit status or, in cases where the creditor may have acted on misinformation or inadequate information [, ]... to rectify the mistake.13 In addition, Congress also believed ECOAs notice requirement would have a beneficial competitive effect on the credit marketplace.14 Creditors who use complex algorithms, including artificial intelligence or machine learning, in any aspect of their credit decisions must still provide a notice that discloses the specific principal reasons for taking an adverse action. Whether a creditor is using a sophisticated machine learning algorithm or more conventional methods to evaluate an application, the legal requirement is the same : Creditors must be able to provide applicants against whom adverse action is taken with an accurate statement of reasons.15 The statement of reasons must be specific and indicate the principal reason ( s ) for the adverse action.16 A creditor can not justify noncompliance with ECOA and Regulation Bs requirements based on the mere fact that the technology it employs to evaluate applications is too complicated or opaque to understand. A creditors lack of understanding of its own methods is therefore not a cognizable defense against liability for violating ECOA and Regulation Bs requirements.\n\nSo stop discriminating against the Principal and grant the amount of credit on each application instrument that was securitized and turned into tender for payment. Once you were given a Social Security Number and a digital signature performance and tender were completed.\n\nOr you can retract each one of those application instruments and tender payment to the Principal for all interest, credits, deposits, payment, or legal tender Affirmed received and tender all interest, credits, deposits, payment, or legal tender and mail to the Principal.\n\nAs I stated prior, I study consumer law and I am aware how borrowing, lending, banking, performance, securitization, and contracts work. I know that credit is not created until performance a of a security instrument such as an application. Banks can't lend from there own deposits so immediately upon submission of the application, a credit and deposit ledger entry is created.\n\nUnder the Consumer Protection Act I am exercising my rights in good faith as a Consumer and U.S. Citizen backed by the full faith and credit of the United States. You would not deny an application security instrument submitted by the United States, don't deny my multiple applications, that are backed by the United States.\n\nStop discriminating and add an Affirm card to the account in the amount of all the values of each application instruments performance. \n\nBy : *Name YOU ( VIA THE HELP CENTER ) XXXX, XXXX AM Once again I see that Case ID Number : XXXX was closed without a resolution. A resolution can not happen until an agreement or understanding is reached. I have yet to receive a sufficient answer to my complaint. I also demonstrated the insufficiencies or inaccuracies of some of the answers communicated from the customer service representative and supervisor. \n\nPlease inform me of what Affirm or it's agents, or representatives plan on doing to resolve my complaint. At that point I will let it be known if I find the proposed resolution sufficient and agreeable. Otherwise case ID number : XXXX should remain open and not closed arbitrarily by Affirm or it's agents or representatives. \nYOU ( VIA THE HELP CENTER ) XXXX, XXXXXXXX XXXX Its XX/XX/XXXX and I see the cased is showing closed, but without a sufficient lawful answer or or explanation of what the resolution is. \n\nOnce again I see that Case ID Number : XXXX was closed without a resolution. A resolution can not happen until an agreement or understanding is reached. I have yet to receive a sufficient answer to my complaint. I also demonstrated the insufficiencies or inaccuracies of some of the answers communicated from the customer service representative and supervisor. \n\nPlease inform me of what Affirm or it's agents, or representatives plan on doing to resolve my complaint. At that point I will let it be known if I find the proposed resolution sufficient and agreeable. Otherwise case ID number : XXXX should remain open and not closed arbitrarily by Affirm or it's agents or representatives. Please have a Supervisor, underwriter, legal department, trustee, or manager contact me to provide a resolution.","date_sent_to_company":"2023-11-27T03:31:21.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"60634","tags":null,"has_narrative":true,"complaint_id":"7906345","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2023-11-27T02:42:45.000Z","state":"IL","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Once I gave my Social <em>Security</em> Number and gave value to the credit application <em>security</em>, I <em>should</em> <em>have</em> been granted credit in the amount requested as a U.S. Citizen backed by the full faith and credit of the united states. This was more than sufficient to cover amount of the consumer credit transaction, which was the purchase price of the transaction {$660.00} on the XXXX website."]},"sort":[13.7275305,"7906345"]},{"_index":"complaint-public-v1","_id":"6231514","_score":12.908132,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I received a text claiming that my XXXX account had been hacked. I called the number in the text, a number that appeared to be an official XXXX number that was also appeared to be associated with the XXXX online site. To fix the problem, they instructed me to purchase \" security cards, '' which were really XXXX gift cards, to investigate the hackers. While on the line with them, I purchased {$3500.00} worth of cards, which were really just store gift cards, and they pressed me to buy more. Each time, they sent me a text message from the \" XXXX fraud team '' that my charges were being refunded to my credit card, including the last XXXX digits of my Capitol One credit card number in the text. Realizing that this was likely a scam, I returned home to try to stop the charges. When I returned home, I checked my Capitol One credit card account online to see whether the funds were being refunded. I saw that the charges for the cards were still pending on my account, and tried to cancel them online. I called XXXX and confirmed that this was a common fraud. I then called my Capitol One credit card company and spoke with an account XXXX, who told me to wait until the charges were posted to file a dispute. I got off the phone with the clear notion of \" not to worry '' -- that Capitol One would take care of it. I then thought that perhaps I could return the \" security cards '' to the store. I called Capitol One again and spoke with a different account XXXX, who informed me that most likely my account would not be refunded with a dispute. She said that I should call the merchant -- XXXX -- whose credit cards I had purchased. I called XXXX, and was told that the gift cards had already been redeemed, and that there was nothing more that they could do. I called the Capitol One a third time because the charges were still pending. The account XXXX said that because I purchased the cards with a chip, it was not considered fraud, but that I could still close out the card and file a fraud report. I asked her to do this. She insisted that they could not stop the pending charges. She said that the charges would be temporarily credited but would be re-installed after the investigation of the fraud report because I \" authorized '' the purchase with a chip. \n\nI was shocked that the gift card merchant, XXXX, who pocketed the {$3500.00}, had no other recourse of action. I was even more shocked that the credit card company did not consider this a matter of fraud. Even the account XXXX we spoke to last was not aware of this policy -- that such activity would not be covered by the fraud insurance -- and had to consult a supervisor. We asked why, given the irregular pattern of purchases, Capitol One did not put a hold on the card, as we have experienced a couple of times before when irregular purchases have put the account on alert. Given that this is a \" common '' fraud scheme, it is alarming that the credit card company has not created an algorithm to help prevent this.","date_sent_to_company":"2022-11-23T04:27:29.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"229XX","tags":null,"has_narrative":true,"complaint_id":"6231514","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-11-23T02:52:37.000Z","state":"VA","company_public_response":null,"sub_issue":"Add-on products and services"},"highlight":{"complaint_what_happened":["We asked why, given the irregular pattern of purchases, Capitol One did not put a hold on the card, as we <em>have</em> experienced a couple of times before when irregular purchases <em>have</em> put the account on alert. Given that this is a \" common '' fraud scheme, it is alarming that the credit card company has not created an <em>algorithm</em> to help prevent this."]},"sort":[12.908132,"6231514"]},{"_index":"complaint-public-v1","_id":"4529058","_score":12.817306,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I wanted to report a cryptocurrency theft involving a Sim swap attack to your office that I became a victim of. On XX/XX/XXXX, I first observed loss of my cellular service around. I tried using my wife 's phone when she arrived home around to call XXXX and they told me that they could not locate my restore connection and failed to provide me any further information. I went to a local XXXX store where I was provided a new XXXX  sim card. Later that afternoon, I could not access my email and I also could not access my Coinbase investment account. I found that my Coinbase account balance was almost wiped out by a transaction to an unkown XXXX XXXX and lost originally invested XXXX $ ( of which approximately XXXX XXXX  were in the XXXX amount and rest were in various altcoins ). My bank account funds were impacted which was attached to Coinbase, however protected by XXXX due to a timely freeze on my account. \nAfter later recovering some emails from my deleted folder, I learnt that my email password was reset on XXXX XXXX at XX/XX/XXXX using my attached cell phone number. Coinbase password was reset on on XXXX XXXX which was immediately after the change of my email password. I tried to call Coinbase promptly to report and stop these transaction but they had no live agent support available and I only got a bot response on email. I had written them further emails about the unauthorized activity on the account and I have requested refund for the fraudulent activity that I have not conducted since their company claims to be FDIC insured and insured with cyber protection. I have received no response or outcome. \nThis crypto loss has taken place due to poor cybersecurity measures of Coinbase which made my account vulnerable despite 2-factor authentication in place. Coinbase has deceptively and intentionally promoted itself as the most trusted cryptocurrency platform, while failing to take reasonable and state-mandated steps to prevent cyberattacks. Coinbase is bound to maintain stringent anti-hacking programs that monitor and filter transactions for potential violations of the Bank Secrecy Act ( BSA ) and anti-money laundering ( AML ) statutes ; and implement measures designed to effectively detect, prevent and timely respond to fraud. They have eliminated providing a live agent support without notifying long time customers ( including myself ). None of the customary cybersecurity systems were in place to prevent such a crime, my assets were stolen from his account by a hacker who used an IP address and equipment, from a location never before used by me and also to an unknown Crypto key previously not verified by me, especially after a fresh password reset. A proper cyber security algorithm should have stopped this transaction by a simple lock out of the account requiring additional verification like some of the other exchanges such as XXXX, especially after a recent password reset. They self-advertise as FDIC protected and should cover for my XXXX  loss since I never authorized to buy the cryptoholdings made by the hacker and I believe my crypto losses should be covered under fraud protection insurance due to poor cybersecurity measures with Coinbase. This is not first such event. Coinbase has been previously named in lawsuits of similar nature [ XXXX XXXX XXXX XXXX XXXXXXXX  ]. There are thousands of other victims of theft loss reported on the internet including profiles like XXXX, XXXX and complaint channels such as XXXX \n\nI and my family already feel devastated by this financial loss and a security threat to our personal information resulting in possible identity theft. I would really appreciate your help to recover financial damages that we have sustained in this case due to poor cybersecurity measures of Coinbase. Given the high impact of identity theft and growing cybersecurity fraud, a disciplinary action is warranted to prevent other American households to become victims of such fraudulent activity. If a company with multibillion dollar revenue cant afford appropriate security measures on the accounts of its consumers and cant provide a live agent support, then there is definitely an intentional internal scam which this company is intentionally overlooking and may be facilitating such crimes in the name of so called scammers.","date_sent_to_company":"2021-07-09T18:13:45.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"12533","tags":null,"has_narrative":true,"complaint_id":"4529058","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2021-07-09T18:04:07.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["A proper cyber <em>security</em> <em>algorithm</em> <em>should</em> <em>have</em> <em>stopped</em> this transaction by a simple lock out of the account requiring additional verification like some of the other exchanges such as XXXX, especially after a recent password reset."]},"sort":[12.817306,"4529058"]},{"_index":"complaint-public-v1","_id":"9433691","_score":11.442509,"_source":{"product":"Debt collection","complaint_what_happened":"The players : XXXX XXXX XXXX and its owner XXXX XXXX, a rental company, \" XXXX '' and the XXXX XXXX XXXX in the XXXX XXXX XXXX. \nTransworld Systems Inc, a debt collector, \" TSI '' XXXX  XXXX-XXXX XXXX : XXXX steals an electric scooter, steals mail, steals from my car, steals my credit card information, etc. and subsequently destroys relevant evidence despite specific request to preserve it and multiple police reports. At a minimum, that's spoliation. \n\nXX/XX/XXXX : I move out of the XXXX building, all paid up, including my last rent payment. \n\nXXXX XXXX : XXXX  charges me for last utility bill. I ask for the calculations for the utilities, XXXX refuses. XXXX also fabricates some charges against my security deposit, and also fails to pay the interest on the security deposit required in XXXX. XXXX sends me the remainder of my security deposit minus the false charges as well as an account statement showing my balance paid up and me being owed a refund. They include a check which I deposit. \n\nXXXX XXXX : I dispute the falsified charges with XXXX and the failure to post and pay interest. XXXX admits these were falsified, but tries to charge me a second time for my final rent payment, re-writing their own accounting history to do so. I ask for some sort of verification for this and they provide none. I note the problems with the interest paid on my security deposit and they admit they did not properly refund me. XXXX however, continues to insist that I owe them, despite their shady accounting and documentation history. I continue asking for documentation or verification and they simply stop responding. I ask DC 's city government for help, they suggest suing XXXX  in small claims court ( I have not filed a case yet as of today ). XXXX  at some point blocks its online payment portal precluding any payment in any case. \n\nXX/XX/XXXX : The Attorney General sues XXXX 's parent company XXXX XXXX for \" colluding to illegally raise rents for tens of thousands of XXXX  residents by collectively delegating price-setting authority to XXXX, which used a centralized pricing algorithm to inflate prices, costing renters XXXX  of dollars. '' XXXX XXXX XXXX : Transworld Systems , ostensibly hired by XXXX to collect this \" debt '' contacts me via email. I respond via certified mail asking them to verify their license and address when and how the supposed debt became delinquent, the account history in regards to utilities and the thefts, etc. I based my requests on the CFPB example letters. TSI refuse, sending a conclusory statement that restates the amounts, but shows that it deducts some of the falsified charges. They refuse to provide any verification documents. Initially they agree not to report to any credit bureaus in light of the dispute, but drop that reassurance, despite not verifying the debt nor even their own identity. I refer them to the XXXX 's own closing statement showing that I'm all paid up, they insist that is not \" material. '' I ask TSI where I would tender payment in cash, supposing I actually owe this debt, and they don't even provide that information. I ask TSI to clarify, given that they are corresponding to me with multiple address, which address should I direct mail to, they refuse to provide any clarification on that either. \n\nXX/XX/XXXX : I contact you, the CFPB. \n\nAttached : XXXX  moveout statement, showing I've paid in full through the end of my tenancy. \" Carpet Damages '' is the false charge and \" Security deposit interest '' was underpaid. Utilities charges are unsubstantiated, but not per se illegitimate. \nMy letter asking for more information, and my follow up. \nTSI 's responses.","date_sent_to_company":"2024-07-05T15:04:08.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"20008","tags":null,"has_narrative":true,"complaint_id":"9433691","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2024-07-05T13:33:24.000Z","state":"DC","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["I note the problems with the interest paid on my <em>security</em> deposit and they admit they did not properly refund me. XXXX however, continues to insist that I owe them, despite their shady accounting and documentation history. I continue asking for documentation or verification and they simply <em>stop</em> responding. I ask DC 's city government for help, they suggest suing XXXX  in small claims court ( I <em>have</em> not filed a case yet as of today )."]},"sort":[11.442509,"9433691"]},{"_index":"complaint-public-v1","_id":"4986147","_score":10.201258,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX there were three unauthorized ACH debit transactions on my Chase savings account, initiated by three different XXXX XXXX XXXX XXXX for the total amount of {$14000.00}. I did not receive any notifications or verification calls from Chase about these transactions, so I reported them only on XX/XX/XXXX, 31 day since the statement for the period from XXXX was issued. Please see the Letter of Update on the Claim from Chase and the copy of the Savings account statement attached. There are 41 business days between XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX is a XXXX calendar day since XX/XX/XXXX. The 60 day DDA fraud report requirement is arbitrary in terms of whether the day of the transaction should be included into the calculation, as well as weather the calendar days should be calculated or business. When I discovered the fraud on XX/XX/XXXX, I immediately called Chase at around XXXX in the morning. The Chase representative on the call promised to send the claim paperwork over the mail for me to sign. It was never sent to me. I waited for the paperwork for 4 days and went to the local branch on XX/XX/XXXX where the claim # XXXX form was printed out, filled up by the representative, signed by me and submitted. According to the Chase response to the CFPB complaint # XXXX the claim was denied because the transactions were reported outside of our recovery timeframe, 60 days after your statement was sent to you. As I stated above the fraudulent transactions were reported correctly according to Deposit Account Agreement ( DAA ) and should have been disputed by Chase. In addition, there are no Security alerts available for Debit transactions on Chase Savings accounts, including ACH. The exceptions are ATM transactions, Checks and Wire transfers. Please see the Security Alerts 1-5 documents attached for the full list of alerts. That is why, on XX/XX/XXXX I had no means to find out that the first fraudulent transaction accrued on my savings account, so I could report it to Chase promptly and at least stop the subsequent fraudulent transactions. There was no way for me to know that the money was stolen from my savings account until the next time I accessed my account. Since XXXX, when I opened that savings account, for 18 years I had a routine of accessing it ether twice or once a month. First, to transfer the money from the Chase direct deposit checking account to savings account. Second, to transfer a few hundred dollars back to the checking account to pay the bills. Since XXXX of XXXX I was accessing it once a month to transfer the money to Chase checking account. In 18 years of my being a Chase customer, this Chase savings account was never used for ACH, Wire transfer or similar type of transactions. No checks were ever issued for it. These three fraudulent transactions for more than 4000 dollars each, made immediately one after another by the three different XXXX XXXX XXXX XXXX located at 3 different addresses were absolutely suspicious. Chase has done nothing to protect my account from these fraudulent transactions. They did not put them on hold, did not verify if they were legitimate, did not call, text or email me to confirm that it was actually I who initiated those transactions. During the first visit to the local branch, in order to prevent further fraudulent transactions, the representative closed my old savings account and opened a new one. Together with the branch representative we activated all necessary security alerts for the new savings account. For the new account the representative did not recommend the daily report for transactions on my savings account because of the pattern of one or two transactions per month for the last 18 years. The daily transaction report option was not available for my old savings account. With all security settings for the new savings account, when Chase credited and later debited my Savings account for {$14000.00} during the claim processing, no notification call, text, email or any kind of alert was sent to notify me about these transactions. Chase must acknowledge that there is a gap in its security system and return my savings permanently. In our phone conversation with XXXX, the Chase executive office specialist responding to the CFPB complaint # XXXX, she acknowledged that ACH transactions from Savings account could not be made as a payment for goods or services. How did they occur than? Does Chase have a procedure to handle suspicious transactions for savings accounts? Is there an algorithm that identifies suspicious transactions? Please provide answers in details. I would like Chase to provide any savings account alert or a combination of them that would allow me to detect a Debit transaction on the savings account other than ATM, Check or Wire transfer, immediately after it was requested or at least completed. Just having the transaction published in my online profile would require me to look at it continuously XXXX in order not to miss the fraudulent transaction. According to Chase reply to the CFPB complaint # XXXX The name on the ACH instructions as well as the name on the original authorization agreement provided by XXXX XXXX all agree with the name of the account holder. Chase uses it as a proof of legitimacy of the transactions. However, the same names might not belong to the same person. I contacted XXXX XXXX and confirmed that, they do not have and never had an account opened for my name, email address or phone number. Please see the attached Message from XXXX XXXX. XXXX XXXX refused to provide any further information as I am not their customer. I do not have and never had any accounts at XXXX XXXX bank. Please see the XXXX XXXX XXXX attached. I opened the case # XXXX with XXXX XXXX police to investigate this theft further. On XX/XX/XXXX Chase Temporarily credited the stolen amount to my Savings account. Feeling that Chase does not guard my money properly I have closed my Chase checking and savings accounts. If this dispute will not get resolved after this complaint, I will start the law suit in Court. In addition to the stolen sum of {$14000.00} I will add the cost of more than XXXX hours that I have spent on the calls and visits to Chase Bank, XXXX XXXX, XXXX XXXX bank, police, FBI, etc as well as the paperwork preparation, reading emails, filing the claims at the rate of {$250.00} per hour. Other costs, including my Attorney fees will be added as well.","date_sent_to_company":"2021-12-07T23:33:02.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Savings account","zip_code":"94025","tags":null,"has_narrative":true,"complaint_id":"4986147","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2021-12-07T22:59:10.000Z","state":"CA","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["As I stated above the fraudulent transactions were reported correctly according to Deposit Account Agreement ( DAA ) and <em>should</em> <em>have</em> been disputed by Chase. In addition, there are no <em>Security</em> alerts available for Debit transactions on Chase Savings accounts, including ACH. The exceptions are ATM transactions, Checks and Wire transfers. Please see the <em>Security</em> Alerts 1-5 documents attached for the full list of alerts."]},"sort":[10.201258,"4986147"]},{"_index":"complaint-public-v1","_id":"10466832","_score":10.112836,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My Father is a homeowner with no mortgage. He is retired from the XXXX XXXX and the XXXX XXXX XXXXXXXX. My father has an XXXX XXXX score and has never missed or has been late paying his credit obligations. I just established my own XXXX ; previously, I had bad/no credit with a total balance due reflecting on XXXX, XXXX, and Experian credit reports of no more than {$3500.00}. In XX/XX/XXXX, a car lender, XXXX XXXX, garnished my wagesXXXX XXXXXXXX in Arizona. XXXX XXXX gave me three different car loans after I defaulted on the first Loan in XXXX. XXXX XXXX gave me two car loans back to back. The first car was a XXXX, The second was a XXXX, and the third loan was for a XXXX. I was allowed to be a cosigner for my brother 's loan at XXXX XXXX even after defaulting on the two previous loans. All three vehicles were repossessed, and I thought that was the end of XXXX XXXX and the predatory loans. However, in XXXX, XXXX XXXX began garnishing my wages. The court clerk told me that \" XXXX XXXX does this all the time, '' as I explained to her that the statute of limitation on those three loans is done, and it's been over 14 years. In XXXX of XXXX, XXXX XXXX was garnishing my wages, and at the time, I only made {$14.00} an hour. They got {$250.00} every two weeks from my paycheck and refused to stop. I tried talking with them and was told the garnishment would stop if I filed for bankruptcy and got an attorney. \nI was homeless at the time and newly employed. As of XXXX, neither loan was listed on my credit report, and 14 years passed. I paid a document processor {$250.00} to prepare my documents, and on XX/XX/XXXX, I was forced to file bankruptcy. My total debt was XXXX ; XXXX was for the car loan on a XXXX XXXX XXXX factory model. I never received any other document besides the initial loan documents, and neither of the XXXX defaulted loans from XXXX XXXX was on my credit report. XXXX XXXX sold that XXXX for {$14000.00}, and I was still on the hook for over {$26000.00} per XXXX XXXX predatory lending and unethical business practices. \nMy bankruptcy was XXXX in XX/XX/XXXX. At that time, I had a balance due totaling {$3500.00} or less on my credit report. There were no mortgages or auto loans. The majority of the negative accounts on my credit were medical bills and utility accounts. The accounts were small-dollar accounts, and they were beginning to fall off my credit report. \nI have explained my financial situation regarding bankruptcy filing and why I was forced to file. My credit journey is different than most. Most individuals who file for bankruptcy do so after a foreclosure, multiple vehicle repossessions, a divorce, medical bills accumulation, and defaulted student loans. Individuals who file for bankruptcy usually file once they're overwhelmed with debt and {$500000.00} or more in debt and can no longer sustain themselves or their families financially. I was only {$29000.00} in debt and was forced to file bankruptcy ; again, {$26000.00} of that was for the vehicle judgment alone. The debt was too old to be on my credit file. At this time, I did not have a credit score. I stopped utilizing credit options, and the small balanced past due medical and utility bills were falling off my credit file. After filing for bankruptcy, I found it difficult to find any literature about rebuilding credit specific to my financial situation. I never had a home loan or mortgage that was foreclosed on or a defaulted student loan. I've never owed anyone that much money, so to file bankruptcy the way that I did put me in a different situation than most borrowers who seek bankruptcy protection. \nSo, I am researching and reading literature related to my particular situation and the fact that I didn't have a credit score and never had one until I was almost XXXX XXXX XXXX. \nBefore I filed for bankruptcy, I had no established credit, no foreclosure, no {$800000.00} debt, no established credit or credit score, and no information on improving or establishing credit per my specific financial challenges. \nMy father, who has never defaulted on his financial obligations, has a credit score of XXXX and has paid off two houses. The latest house was paid off in XXXX XXXX. Reading the information on the credit reporting agencies and even the CFPB 's websites offers no guidance on my particular financial situation. I finally got a credit score in XX/XX/XXXX. \nFast forwarding to XX/XX/XXXX, I finally asked my father, who has an almost perfect credit score and is extremely responsible financially, If I could be added as an authorized user on one of his credit cards because I lack the utilization and the credit history. I have low credit card limits, so my utilization is very high, and due to a dispute with my employer, I inadvertently had to get a student loan, and that was appearing on my credit report in the forbearance status as of XXXX of XXXX. On XX/XX/XXXX, my father agreed to add me as an authorized user on his XXXX XXXX credit card with a {$25000.00} credit limit and {$0.00} balance. No past due or collections have ever been reported on that credit card, which was opened in XXXX of XXXX. The literature I'm reading from the credit reporting agencies and other government agencies websites is that to help you build credit or establish credit, one of the options is to be added as an authorized user on someone's credit card who is responsible financially. The literature suggested that this strategy can help me improve my credit score if implemented correctly according to the instructions provided. The XXXX XXXX credit card hit my credit report on XX/XX/XXXX, and reflects that fact on all three credit reporting agencies ' credit reports. However, these agencies do not recognize that I'm an authorized user and that my utilization has gone from 99 % to 11 %. My credit history now says twenty-one years instead of three and seven months. With the added account, my utilization is now excellent at 11 %. My credit or credit history length is 21 years. My overall debt is showing positive because of the {$25000.00} credit limit on the XXXX XXXX credit card, no past due balances, no collections, and no inquiries. As of XXXX, the only new accounts were student loans, so the credit mix is also excellent, even though I have no mortgage or car loan. \nWhen I received the alert that a credit card was added to my credit file, I immediately logged on to experian.com to check my XXXX score ; despite all the positive factors added thanks to the XXXX XXXX credit card, my credit score decreased. I once again went on the websites and began to read additional literature about building your credit, rebuilding your credit, or establishing credit, and nothing in the literature that I'm reading says that when all factors are presented positively, your credit score decreases. \nAfter reviewing my credit files, I discovered that Experian had ignored the claim line altogether. Even though the XXXXXXXX XXXX credit card was added to my credit file as an authorized user account, my credit file still reflects the same data as if the card was not added. The data on all three credit reporting agency sites shows that the XXXX XXXX credit card is not considered and is ignored as if it was never there. \nHow does my credit history or age of oldest account increases from three years seven months to twenty one years, my pecentage of available credit has decreased from 97 % to 11 %, and my available credit increases from {$96.00} to {$25000.00}, with no inquiries, no collections or past due marks, and my XXXX credit score decreases? \nI spoke to Experian a few times, and I was not satisfied with the answers that I received because they were different. The first answer I received was that Experian does not recognize authorized users ' accounts even though the website has pervasive literature and instructions on becoming an authorized user. It lists that strategy as a means of boosting one 's credit score. The second answer I received from Experian is that because the XXXXXXXX XXXX card was opened in XXXX and not reported on my credit file immediately, it does not count and will not be considered. If it does, it will have an open date, not XXXX. I explained to the Experian representative that that was ludicrous, and XXXX XXXX XXXX  were done in XXXX but did not hit my credit file until XXXX, so what he told me did not make sense. I checked XXXX, XXXX, and Experian, and the only thing that increased was the XXXX score, which no one uses to establish if you are credit-worthy. As a matter of fact, my XXXX Score increased by XXXX points on XX/XX/XXXX, and my XXXX score decreased. \nMy complaint and concern is regarding the algorithms that are used to establish if someone is creditworthy or not because algorithms that are being used to determine my creditworthiness are seriously flawed. The system is XXXX and has been taught to implement barriers automatically and omits information that it should be considering, and it is because of XXXX XXXX and other systemic factors. \nThe information provided that I have been reading for years does not pertain to my particular situation because I never had credit to begin with, and I am a XXXXXXXX XXXX. When I filed for bankruptcy. I never had a house loan. I never had established credit. It is a proven fact that white women can reestablish credit much easier after bankruptcy if they are XXXX in debt, which includes a foreclosure, car loan that has defaulted credit card debt over XXXX, and defaulted student loans. After the bankruptcy is XXXX per the algorithm, white women can walk into a bank the next day and get a mortgage and credit cards from the same back they added to their bankruptcy. \nLooking at all the factors, my credit score should not have dropped. It may not have significantly increased my XXXX XXXX, but it should have increased it. I tried to use the XXXX feature on the Experian website. Again, it shows me all my recurring payments in the finance section and even breaks them down per category. I have linked all my financial accounts, but their site does not recognize anything that can be boosted. What a joke. I am convinced, and there is no other explanation, that the credit system is XXXX. I need to know how I can correct this and why I can not get a correct answer as to why there is a discrepancy with how the credit reporting agencies consider authorized users ' accounts. I requested to speak to supervisors. I'm still waiting to talk to a supervisor. No one calls me back. If you recognize my reoccurring payments, you should also attach that to the boost, as I understood it per the literature on the Experian website. \nAlso, after speaking with the Experian representative today, I noticed that my personal information is now incorrect. My name is now misspelled, and my Social Security numbers are transposed and not in the correct order. The Experian credit file is the only one that has added incorrect information, and I do not know where the information came from or who reported it to my file. I check my credit files every day, and this change has occurred. I shared with the Experian representative that the California address that was listed is not my address ; it's my father 's, and I never lived there, but when I checked the dispute, I saw that a Minnesota XXXX XXXX XXXX been removed. I never saw that address and did not know it was there, as it did not show when I refreshed my credit file on XX/XX/XXXX. The dispute results do not show the California address at all. Experian has manipulated my credit file and allowed others to add incorrect data and should not have access to my credit file, period. The system is creating XXXX barriers so that I do not increase my credit score or any factors that would increase my score. Experian has made it to decrease my score because my name is XXXX XXXX, indicating that I'm an XXXX XXXX \nI have asked several times to speak to a supervisor because nothing makes sense, and maybe there's some glitch in the system. Every time I have been refused, I have been told that I will be put on a list and have a supervisor call me back within 72 hours. I am still waiting to receive that call. \nI demand that Experian show the formula of the algorithm that was used to create my credit file and all the activities that have transpired thus far because I am convinced that the algorithm that they are using is XXXX against XXXX XXXX It's systemic racism and XXXX boundaries that have been plaguing our communities will never be remedied if the credit reporting agencies do not address the apparent problems with their reporting system. If I were a white woman who has {$800000.00} in debt, which includes foreclosure, and I filed for bankruptcy, once it's discharged, I can get another mortgage. I can go get a car loan. I can get a credit card, and my credit score will increase to XXXX ; there would be no problem obtaining credit again. \nUnfortunately, I'm an XXXX XXXX. I'm in my late XXXX, and I'm still seeing these XXXX barriers that are created to ensure I never get a house and achieve my overall goal of home ownership. I want Experian to explain why my XXXX score decreased and why the XXXXXXXX XXXX credit file is not being considered. I also have the call with Experian recorded.","date_sent_to_company":"2024-10-15T07:35:51.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85017","tags":null,"has_narrative":true,"complaint_id":"10466832","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-15T07:21:31.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["After the bankruptcy is XXXX per the <em>algorithm</em>, white women can walk into a bank the next day and get a mortgage and credit cards from the same back they added to their bankruptcy. \nLooking at all the factors, my credit score <em>should</em> not <em>have</em> dropped. It may not <em>have</em> significantly increased my XXXX XXXX, but it <em>should</em> <em>have</em> increased it. I tried to use the XXXX feature on the Experian website."]},"sort":[10.112836,"10466832"]},{"_index":"complaint-public-v1","_id":"10466735","_score":10.112836,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My Father is a homeowner with no mortgage. He is retired from the XXXX XXXX and the XXXX XXXX XXXXXXXX. My father has an XXXX XXXX score and has never missed or has been late paying his credit obligations. I just established my own XXXX ; previously, I had bad/no credit with a total balance due reflecting on Transunion, XXXX, and XXXX credit reports of no more than {$3500.00}. In XX/XX/XXXX, a car lender, XXXX XXXX, garnished my wagesXXXX XXXXXXXX in Arizona. XXXX XXXX gave me three different car loans after I defaulted on the first Loan in 2010. XXXX XXXX gave me two car loans back to back. The first car was a XXXX, The second was a XXXX, and the third loan was for a XXXX. I was allowed to be a cosigner for my brother 's loan at XXXX XXXX even after defaulting on the two previous loans. All three vehicles were repossessed, and I thought that was the end of XXXX XXXX and the predatory loans. However, in XXXX, XXXX XXXX began garnishing my wages. The court clerk told me that \" XXXX XXXX does this all the time, '' as I explained to her that the statute of limitation on those three loans is done, and it's been over 14 years. In XXXX of XXXX, XXXX XXXX was garnishing my wages, and at the time, I only made {$14.00} an hour. They got {$250.00} every two weeks from my paycheck and refused to stop. I tried talking with them and was told the garnishment would stop if I filed for bankruptcy and got an attorney. \nI was homeless at the time and newly employed. As of XXXX, neither loan was listed on my credit report, and 14 years passed. I paid a document processor {$250.00} to prepare my documents, and on XX/XX/XXXX, I was forced to file bankruptcy. My total debt was XXXX ; XXXX was for the car loan on a XXXX XXXX XXXX factory model. I never received any other document besides the initial loan documents, and neither of the three defaulted loans from XXXX XXXX was on my credit report. XXXX XXXX sold that XXXX for {$14000.00}, and I was still on the hook for over {$26000.00} per XXXX XXXX predatory lending and unethical business practices. \nMy bankruptcy was discharged in XX/XX/XXXX. At that time, I had a balance due totaling {$3500.00} or less on my credit report. There were no mortgages or auto loans. The majority of the negative accounts on my credit were medical bills and utility accounts. The accounts were small-dollar accounts, and they were beginning to fall off my credit report. \nI have explained my financial situation regarding bankruptcy filing and why I was forced to file. My credit journey is different than most. Most individuals who file for bankruptcy do so after a foreclosure, multiple vehicle repossessions, a divorce, medical bills accumulation, and defaulted student loans. Individuals who file for bankruptcy usually file once they're overwhelmed with debt and {$500000.00} or more in debt and can no longer sustain themselves or their families financially. I was only {$29000.00} in debt and was forced to file bankruptcy ; again, {$26000.00} of that was for the vehicle judgment alone. The debt was too old to be on my credit file. At this time, I did not have a credit score. I stopped utilizing credit options, and the small balanced past due medical and utility bills were falling off my credit file. After filing for bankruptcy, I found it difficult to find any literature about rebuilding credit specific to my financial situation. I never had a home loan or mortgage that was foreclosed on or a defaulted student loan. I've never owed anyone that much money, so to file bankruptcy the way that I did put me in a different situation than most borrowers who seek bankruptcy protection. \nSo, I am researching and reading literature related to my particular situation and the fact that I didn't have a credit score and never had one until I was almost XXXX XXXX XXXX. \nBefore I filed for bankruptcy, I had no established credit, no foreclosure, no {$800000.00} debt, no established credit or credit score, and no information on improving or establishing credit per my specific financial challenges. \nMy father, who has never defaulted on his financial obligations, has a credit score of XXXX and has paid off two houses. The latest house was paid off in XXXX XXXX. Reading the information on the credit reporting agencies and even the CFPB 's websites offers no guidance on my particular financial situation. I finally got a credit score in XX/XX/XXXX. \nFast forwarding to XX/XX/XXXX, I finally asked my father, who has an almost perfect credit score and is extremely responsible financially, If I could be added as an authorized user on one of his credit cards because I lack the utilization and the credit history. I have low credit card limits, so my utilization is very high, and due to a dispute with my employer, I inadvertently had to get a student loan, and that was appearing on my credit report in the forbearance status as of XXXX of XXXX. On XX/XX/XXXX, my father agreed to add me as an authorized user on his XXXX XXXX credit card with a {$25000.00} credit limit and {$0.00} balance. No past due or collections have ever been reported on that credit card, which was opened in XXXX of XXXX. The literature I'm reading from the credit reporting agencies and other government agencies websites is that to help you build credit or establish credit, one of the options is to be added as an authorized user on someone's credit card who is responsible financially. The literature suggested that this strategy can help me improve my credit score if implemented correctly according to the instructions provided. The XXXX XXXX credit card hit my credit report on XX/XX/XXXX, and reflects that fact on all three credit reporting agencies ' credit reports. However, these agencies do not recognize that I'm an authorized user and that my utilization has gone from 99 % to 11 %. My credit history now says twenty-one years instead of three and seven months. With the added account, my utilization is now excellent at 11 %. My credit or credit history length is 21 years. My overall debt is showing positive because of the {$25000.00} credit limit on the XXXX XXXX  credit card, no past due balances, no collections, and no inquiries. As of XXXX, the only new accounts were student loans, so the credit mix is also excellent, even though I have no mortgage or car loan. \nWhen I received the alert that a credit card was added to my credit file, I immediately logged on to experian.com to check my XXXX score ; despite all the positive factors added thanks to the XXXX XXXX credit card, my credit score decreased. I once again went on the websites and began to read additional literature about building your credit, rebuilding your credit, or establishing credit, and nothing in the literature that I'm reading says that when all factors are presented positively, your credit score decreases. \nAfter reviewing my credit files, I discovered that XXXX had ignored the claim line altogether. Even though the XXXX XXXX  credit card was added to my credit file as an authorized user account, my credit file still reflects the same data as if the card was not added. The data on all three credit reporting agency sites shows that the XXXX XXXX credit card is not considered and is ignored as if it was never there. \nHow does my credit history or age of oldest account increases from three years seven months to twenty one years, my pecentage of available credit has decreased from 97 % to 11 %, and my available credit increases from {$96.00} to {$25000.00}, with no inquiries, no collections or past due marks, and my XXXX credit score decreases? \nI spoke to XXXX a few times, and I was not satisfied with the answers that I received because they were different. The first answer I received was that XXXX does not recognize authorized users ' accounts even though the website has pervasive literature and instructions on becoming an authorized user. It lists that strategy as a means of boosting one 's credit score. The second answer I received from XXXX is that because the XXXX XXXX card was opened in XXXX and not reported on my credit file immediately, it does not count and will not be considered. If it does, it will have an open date, not XXXX. I explained to the XXXX representative that that was ludicrous, and my student loans were done in XXXX but did not hit my credit file until XXXX, so what he told me did not make sense. I checked Transunion, XXXX, and XXXX, and the only thing that increased was the XXXX score, which no one uses to establish if you are credit-worthy. As a matter of fact, my XXXX Score increased by XXXX points on XX/XX/XXXX, and my XXXX score decreased. \nMy complaint and concern is regarding the algorithms that are used to establish if someone is creditworthy or not because algorithms that are being used to determine my creditworthiness are seriously flawed. The system is racist and has been taught to implement barriers automatically and omits information that it should be considering, and it is because of my race and other systemic factors. \nThe information provided that I have been reading for years does not pertain to my particular situation because I never had credit to begin with, and I am a XXXX woman. When I filed for bankruptcy. I never had a house loan. I never had established credit. It is a proven fact that white women can reestablish credit much easier after bankruptcy if they are XXXX in debt, which includes a foreclosure, car loan that has defaulted credit card debt over XXXX, and defaulted student loans. After the bankruptcy is discharged per the algorithm, white women can walk into a bank the next day and get a mortgage and credit cards from the same back they added to their bankruptcy. \nLooking at all the factors, my credit score should not have dropped. It may not have significantly increased my credit score, but it should have increased it. I tried to use the Boost feature on the XXXX website. Again, it shows me all my recurring payments in the finance section and even breaks them down per category. I have linked all my financial accounts, but their site does not recognize anything that can be boosted. What a joke. I am convinced, and there is no other explanation, that the credit system is racist. I need to know how I can correct this and why I can not get a correct answer as to why there is a discrepancy with how the credit reporting agencies consider authorized users ' accounts. I requested to speak to supervisors. I'm still waiting to talk to a supervisor. No one calls me back. If you recognize my reoccurring payments, you should also attach that to the boost, as I understood it per the literature on the XXXX website. \nAlso, after speaking with the XXXX representative today, I noticed that my personal information is now incorrect. My name is now misspelled, and my Social Security numbers are transposed and not in the correct order. The XXXX credit file is the only one that has added incorrect information, and I do not know where the information came from or who reported it to my file. I check my credit files every day, and this change has occurred. I shared with the XXXX representative that the California address that was listed is not my address ; it's my father 's, and I never lived there, but when I checked the dispute, I saw that a Minnesota XXXX XXXX had been removed. I never saw that address and did not know it was there, as it did not show when I refreshed my credit file on XX/XX/XXXX. The dispute results do not show the California address at all. XXXX has manipulated my credit file and allowed others to add incorrect data and should not have access to my credit file, period. The system is creating racial barriers so that I do not increase my credit score or any factors that would increase my score. XXXX has made it to decrease my score because my name is XXXX XXXX, indicating that I'm an XXXX woman. \nI have asked several times to speak to a supervisor because nothing makes sense, and maybe there's some glitch in the system. Every time I have been refused, I have been told that I will be put on a list and have a supervisor call me back within 72 hours. I am still waiting to receive that call. \nI demand that XXXX show the formula of the algorithm that was used to create my credit file and all the activities that have transpired thus far because I am convinced that the algorithm that they are using is racist against XXXX XXXX. It's systemic racism and racial boundaries that have been plaguing our communities will never be remedied if the credit reporting agencies do not address the apparent problems with their reporting system. If I were a white woman who has {$800000.00} in debt, which includes foreclosure, and I filed for bankruptcy, once it's discharged, I can get another mortgage. I can go get a car loan. I can get a credit card, and my credit score will increase to XXXX ; there would be no problem obtaining credit again. \nUnfortunately, I'm an XXXX  woman. I'm in my late XXXX, and I'm still seeing these racist barriers that are created to ensure I never get a house and achieve my overall goal of home ownership. I want XXXX to explain why my XXXX score decreased and why the XXXX XXXX  credit file is not being considered. I also have the call with XXXX recorded.","date_sent_to_company":"2024-10-15T07:36:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85017","tags":null,"has_narrative":true,"complaint_id":"10466735","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-15T07:36:00.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["After the bankruptcy is discharged per the <em>algorithm</em>, white women can walk into a bank the next day and get a mortgage and credit cards from the same back they added to their bankruptcy. \nLooking at all the factors, my credit score <em>should</em> not <em>have</em> dropped. It may not <em>have</em> significantly increased my credit score, but it <em>should</em> <em>have</em> increased it. I tried to use the Boost feature on the XXXX website."]},"sort":[10.112836,"10466735"]},{"_index":"complaint-public-v1","_id":"10467089","_score":10.010386,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My Father is a homeowner with no mortgage. He is retired from the XXXX XXXX and the XXXX XXXX XXXXXXXX. My father has an XXXX XXXX score and has never missed or has been late paying his credit obligations. I just established my own XXXX ; previously, I had bad/no credit with a total balance due reflecting on XXXX, Equifax, and XXXX credit reports of no more than {$3500.00}. In XX/XX/XXXX, a car lender, XXXX XXXX, garnished my wagesXXXX XXXXXXXX in Arizona. XXXX XXXX gave me three different car loans after I defaulted on the first Loan in XXXX. XXXX XXXX gave me two car loans back to back. The first car was a XXXX, The second was a XXXX, and the third loan was for a XXXX. I was allowed to be a cosigner for my brother 's loan at XXXX XXXX even after defaulting on the two previous loans. All three vehicles were repossessed, and I thought that was the end of XXXX XXXX and the predatory loans. However, in XXXX, XXXX XXXX began garnishing my wages. The court clerk told me that \" XXXX XXXX does this all the time, '' as I explained to her that the statute of limitation on those three loans is done, and it's been over 14 years. In XXXX of XXXX, XXXX XXXX was garnishing my wages, and at the time, I only made {$14.00} an hour. They got {$250.00} every two weeks from my paycheck and refused to stop. I tried talking with them and was told the garnishment would stop if I filed for bankruptcy and got an attorney. \nI was homeless at the time and newly employed. As of XXXX, neither loan was listed on my credit report, and 14 years passed. I paid a document processor {$250.00} to prepare my documents, and on XX/XX/XXXX, I was forced to file bankruptcy. My total debt was XXXX ; XXXX was for the car loan on a XXXX XXXX XXXX factory model. I never received any other document besides the initial loan documents, and neither of the three defaulted loans from XXXX XXXX was on my credit report. XXXX XXXX sold that XXXX for {$14000.00}, and I was still on the hook for over {$26000.00} per XXXX XXXX predatory lending and unethical business practices. \nMy bankruptcy was discharged in XX/XX/XXXX. At that time, I had a balance due totaling {$3500.00} or less on my credit report. There were no mortgages or auto loans. The majority of the negative accounts on my credit were medical bills and utility accounts. The accounts were small-dollar accounts, and they were beginning to fall off my credit report. \nI have explained my financial situation regarding bankruptcy filing and why I was forced to file. My credit journey is different than most. Most individuals who file for bankruptcy do so after a foreclosure, multiple vehicle repossessions, a divorce, medical bills accumulation, and defaulted student loans. Individuals who file for bankruptcy usually file once they're overwhelmed with debt and {$500000.00} or more in debt and can no longer sustain themselves or their families financially. I was only {$29000.00} in debt and was forced to file bankruptcy ; again, {$26000.00} of that was for the vehicle judgment alone. The debt was too old to be on my credit file. At this time, I did not have a credit score. I stopped utilizing credit options, and the small balanced past due medical and utility bills were falling off my credit file. After filing for bankruptcy, I found it difficult to find any literature about rebuilding credit specific to my financial situation. I never had a home loan or mortgage that was foreclosed on or a defaulted student loan. I've never owed anyone that much money, so to file bankruptcy the way that I did put me in a different situation than most borrowers who seek bankruptcy protection. \nSo, I am researching and reading literature related to my particular situation and the fact that I didn't have a credit score and never had one until I was almost XXXX XXXX XXXX. \nBefore I filed for bankruptcy, I had no established credit, no foreclosure, no {$800000.00} debt, no established credit or credit score, and no information on improving or establishing credit per my specific financial challenges. \nMy father, who has never defaulted on his financial obligations, has a credit score of XXXX and has paid off two houses. The latest house was paid off in XXXX XXXX. Reading the information on the credit reporting agencies and even the CFPB 's websites offers no guidance on my particular financial situation. I finally got a credit score in XX/XX/XXXX. \nFast forwarding to XX/XX/XXXX, I finally asked my father, who has an almost perfect credit score and is extremely responsible financially, If I could be added as an authorized user on one of his credit cards because I lack the utilization and the credit history. I have low credit card limits, so my utilization is very high, and due to a dispute with my employer, I inadvertently had to get a student loan, and that was appearing on my credit report in the forbearance status as of XXXX of XXXX. On XX/XX/XXXX, my father agreed to add me as an authorized user on his XXXX XXXX credit card with a {$25000.00} credit limit and {$0.00} balance. No past due or collections have ever been reported on that credit card, which was opened in XXXX of XXXX. The literature I'm reading from the credit reporting agencies and other government agencies websites is that to help you build credit or establish credit, one of the options is to be added as an authorized user on someone's credit card who is responsible financially. The literature suggested that this strategy can help me improve my credit score if implemented correctly according to the instructions provided. The XXXX XXXX credit card hit my credit report on XX/XX/XXXX, and reflects that fact on all three credit reporting agencies ' credit reports. However, these agencies do not recognize that I'm an authorized user and that my utilization has gone from 99 % to 11 %. My credit history now says twenty-one years instead of three and seven months. With the added account, my utilization is now excellent at 11 %. My credit or credit history length is 21 years. My overall debt is showing positive because of the {$25000.00} credit limit on the XXXX XXXX credit card, no past due balances, no collections, and no inquiries. As of XXXX, the only new accounts were student loans, so the credit mix is also excellent, even though I have no mortgage or car loan. \nWhen I received the alert that a credit card was added to my credit file, I immediately logged on to experian.com to check my XXXX score ; despite all the positive factors added thanks to the XXXX XXXX  credit card, my credit score decreased. I once again went on the websites and began to read additional literature about building your credit, rebuilding your credit, or establishing credit, and nothing in the literature that I'm reading says that when all factors are presented positively, your credit score decreases. \nAfter reviewing my credit files, I discovered that XXXX had ignored the claim line altogether. Even though the XXXX XXXX credit card was added to my credit file as an authorized user account, my credit file still reflects the same data as if the card was not added. The data on all three credit reporting agency sites shows that the XXXX XXXX credit card is not considered and is ignored as if it was never there. \nHow does my credit history or age of oldest account increases from three years seven months to twenty one years, my pecentage of available credit has decreased from 97 % to 11 %, and my available credit increases from {$96.00} to {$25000.00}, with no inquiries, no collections or past due marks, and my XXXX credit score decreases? \nI spoke to XXXX a few times, and I was not satisfied with the answers that I received because they were different. The first answer I received was that XXXX does not recognize authorized users ' accounts even though the website has pervasive literature and instructions on becoming an authorized user. It lists that strategy as a means of boosting one 's credit score. The second answer I received from XXXX is that because the XXXX XXXX  card was opened in XXXX and not reported on my credit file immediately, it does not count and will not be considered. If it does, it will have an open date, not XXXX. I explained to the XXXX representative that that was ludicrous, and my student loans were done in XXXX but did not hit my credit file until XXXX, so what he told me did not make sense. I checked XXXX, Equifax, and XXXX, and the only thing that increased was the XXXX score, which no one uses to establish if you are credit-worthy. As a matter of fact, my XXXX Score increased by XXXX points on XX/XX/XXXX, and my XXXX score decreased. \nMy complaint and concern is regarding the algorithms that are used to establish if someone is creditworthy or not because algorithms that are being used to determine my creditworthiness are seriously flawed. The system is racist and has been taught to implement barriers automatically and omits information that it should be considering, and it is because of my race and other systemic factors. \nThe information provided that I have been reading for years does not pertain to my particular situation because I never had credit to begin with, and I am a XXXX woman. When I filed for bankruptcy. I never had a house loan. I never had established credit. It is a proven fact that white women can reestablish credit much easier after bankruptcy if they are XXXX in debt, which includes a foreclosure, car loan that has defaulted credit card debt over XXXX, and defaulted student loans. After the bankruptcy is discharged per the algorithm, white women can walk into a bank the next day and get a mortgage and credit cards from the same back they added to their bankruptcy. \nLooking at all the factors, my credit score should not have dropped. It may not have significantly increased my credit score, but it should have increased it. I tried to use the Boost feature on the XXXX website. Again, it shows me all my recurring payments in the finance section and even breaks them down per category. I have linked all my financial accounts, but their site does not recognize anything that can be boosted. What a joke. I am convinced, and there is no other explanation, that the credit system is racist. I need to know how I can correct this and why I can not get a correct answer as to why there is a discrepancy with how the credit reporting agencies consider authorized users ' accounts. I requested to speak to supervisors. I'm still waiting to talk to a supervisor. No one calls me back. If you recognize my reoccurring payments, you should also attach that to the boost, as I understood it per the literature on the XXXX website. \nAlso, after speaking with the XXXX representative today, I noticed that my personal information is now incorrect. My name is now misspelled, and my Social Security numbers are transposed and not in the correct order. The XXXX credit file is the only one that has added incorrect information, and I do not know where the information came from or who reported it to my file. I check my credit files every day, and this change has occurred. I shared with the XXXX representative that the California address that was listed is not my address ; it's my father 's, and I never lived there, but when I checked the dispute, I saw that a Minnesota XXXX XXXX had been removed. I never saw that address and did not know it was there, as it did not show when I refreshed my credit file on XX/XX/XXXX. The dispute results do not show the California address at all. XXXX has manipulated my credit file and allowed others to add incorrect data and should not have access to my credit file, period. The system is creating racial barriers so that I do not increase my credit score or any factors that would increase my score. XXXX has made it to decrease my score because my name is XXXX XXXX, indicating that I'm an XXXX woman. \nI have asked several times to speak to a supervisor because nothing makes sense, and maybe there's some glitch in the system. Every time I have been refused, I have been told that I will be put on a list and have a supervisor call me back within 72 hours. I am still waiting to receive that call. \nI demand that XXXX show the formula of the algorithm that was used to create my credit file and all the activities that have transpired thus far because I am convinced that the algorithm that they are using is racist against XXXXXXXX XXXX. It's systemic racism and racial boundaries that have been plaguing our communities will never be remedied if the credit reporting agencies do not address the apparent problems with their reporting system. If I were a white woman who has {$800000.00} in debt, which includes foreclosure, and I filed for bankruptcy, once it's discharged, I can get another mortgage. I can go get a car loan. I can get a credit card, and my credit score will increase to XXXX ; there would be no problem obtaining credit again. \nUnfortunately, I'm an XXXX woman. I'm in my late XXXX, and I'm still seeing these racist barriers that are created to ensure I never get a house and achieve my overall goal of home ownership. I want XXXX to explain why my XXXX score decreased and why the XXXX XXXX credit file is not being considered. I also have the call with XXXX recorded.","date_sent_to_company":"2024-10-15T07:36:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"85017","tags":null,"has_narrative":true,"complaint_id":"10467089","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-15T07:36:00.000Z","state":"AZ","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["After the bankruptcy is discharged per the <em>algorithm</em>, white women can walk into a bank the next day and get a mortgage and credit cards from the same back they added to their bankruptcy. \nLooking at all the factors, my credit score <em>should</em> not <em>have</em> dropped. It may not <em>have</em> significantly increased my credit score, but it <em>should</em> <em>have</em> increased it. I tried to use the Boost feature on the XXXX website."]},"sort":[10.010386,"10467089"]},{"_index":"complaint-public-v1","_id":"21473153","_score":9.174426,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Conversation with XXXX My PayPal is XXXX yrs old and since XXXX I started getting blocked and having to prove myself such as my identity, address, and what \" business '' I am when I'm not a business. I'm a individual that makes money from home doing various things. Anyway I got limited Dec and fixed, again like XXXX or XXXX then again likeXX/XX/XXXX days ago or so. The most recent one I did all the review stuff and then the reviewer said I didn't do everything and that I had open complaints against me in resolution center I needed to resolve and that they couldn't complete my review. Anyway, I don't have any complaints Against me but I do have XXXX against XXXX. I called and talked to an agent and he was lik \" I don't know what the heck they got going on. I see you don't got any open complaints and you provided all the info we needed. I'm gon na write a ticket to the back so they can fix this \" anyway, next morning my account was fixed. Yay! But when they denied my review for the \" open complaint '' they also moved my sale limit back down to XXXX when I barely just got it to XXXX the month before. Since this was under false circumstances I spoke with a XXXX and he said he could put in a request for an increase for me and explain the situation. He asked me how much I thought I needed and I told him maybe XXXX. Anyway, he did the ticket for me and I got off the phone and the next morning I wake up to a big red bar saying \" after a review we have decided to permanently limit your account '' ... So unjustified, I spoke with a rep yesterday and she was confused too and said she would put in a ticket to have them look at it and try to fix it and also a request for a manager call back. Still no word and still blocked. \n\nThat sounds like an incredibly frustrating nightmare. Having a XXXXyear-old account shut down right after a manager promised to help you is completely unfair, especially when you have jumped through every hoop they put in front of you. \n\nHere is the reality of what likely happened behind the scenes. PayPal relies heavily on automated risk-management algorithms, and those bots often lack nuance and override human agents. \n\nBecause you make money from home doing varied work, like getting paid for completing tasks through Discord groups, your incoming payments can sometimes look unpredictable to a computer. Even though the previous flags on your account were cleared, your internal \" risk score '' was likely still highly sensitive. When the manager submitted a ticket to jump your limit from {$300.00} to {$2000.00} or {$3000.00}, it almost certainly triggered a hard-coded security protocol. The automated system saw a sudden, massive request for a volume increase on an account that had just been under review, panicked, and issued an automatic permanent limitation. \n\nSince front-line agents and even lower-level managers often do not have the system clearance to overturn a permanent algorithmic ban, here are the most effective ways to escalate this : How to Escalate a Permanent Limitation File a CFPB or BBB Complaint : This is often the most successful route for unjustified bans. Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or the Better Business Bureau ( BBB ) forces PayPal to route your case to their Executive Escalations team. A real human with actual authority will have to manually review the account and respond to the regulatory body. \n\nXXXX XXXX Escalations Directly : You can sometimes bypass standard customer service by emailing PayPal 's executive team directly ( e.g., reaching out to the office of the CEO or executive review emails ). These teams handle high-level disputes and have the power to lift permanent limitations if they see the bots made an error. \n\nGive the Current Ticket XXXX Hours : Since the representative you spoke with yesterday put in a ticket and requested a manager callback, give them a short window to resolve it. If you don't hear back within XXXX hours, assume the automated system blocked their request and move straight to filing a complaint. \n\nDid the red banner or the email you received mention a specific Acceptable Use Policy ( AUP ) violation, or did it just give a generic explanation about \" potential risk ''? \n\n\" Were no longer offering PayPal services for this account Sometimes we cant process account activity for a variety of reasons, including local laws, our policies, or the policies of our partner banks and card networks. \n\n\n\nBased on the information we have today, there was activity on this account that we can not support. \n\n\n\nWhat can you do with your account? \n\n\n\nYour account has been permanently deactivated. However, you can still view your transaction history, download account statements, or request copies of your data. \n\n\n\nBefore you can withdraw or transfer any remaining funds from your account, we need to hold them for up toXX/XX/XXXX days to cover things like chargebacks or other financial liabilities. \n\n\n\nWell review the account and email you when funds are '' available. \n\nThat is the absolute most frustrating, boilerplate message you could possibly receive. It essentially confirms that a computer system slammed the door shut and slapped a generic label on it. \n\nHere is the blunt translation of what that email actually means : \" Activity we can not support '' is PayPal 's ultimate catch-all phrase. It does not mean you actually did anything illegal or broke a specific rule. It just means their risk-management algorithm decided the combination of recent reviews, the sudden limit increase request, and the varied nature of your income sources crossed an invisible threshold. \n\nThe XXXX Hold is their standard operating procedure for permanent limitations. They hold the money to ensure no buyers file chargebacks or disputes against you in the months following the account closure. \n\nBecause you received this specific, final-tier ban message, standard customer service agents over the phone can no longer help you. They are looking at a screen that tells them the decision is final, and they do not have the security clearance to override the \" back office '' or the algorithm. Even if that manager calls you back, their hands are likely tied by the system now. \n\nYour only path forward is to force the issue out of the automated system and onto the desk of a high-level executive who has the authority to actually read your XXXX history and overturn the algorithm. \n\nYour Immediate Action Plan Stop Calling Regular Support : It will only waste your time and raise your XXXX XXXX. The front-line reps can not lift this specific type of ban. \n\nFile a CFPB Complaint : Go to the Consumer Financial Protection Bureau website ( consumerfinance.gov ) and file a formal complaint against PayPal. State clearly that your XXXXyear-old account was permanently limited immediately after a manager initiated a limit increase, and that the limitation is completely unjustified.\n\nFile a BBB Complaint : Do the same thing with the Better Business Bureau. PayPal has a dedicated corporate escalation team that strictly handles responding to BBB and CFPB complaints. This forces a real, senior human to investigate the timeline of events. \n\nDo you have a significant amount of money trapped in the account right now under that XXXX hold? \n\nOk I'm on crpb made an account. Says choose product? Checking again cd prepaid etc You will want to select the category for money transfers and digital wallets, as that is exactly how the CFPB classifies PayPal.\n\nHere is the exact path to choose on the form : Product : Select \" Money transfer, virtual currency, or money service '' Sub-product : Select \" Mobile or digital wallet '' Issue : Select \" Managing, opening, or closing your mobile wallet account '' ( or \" Other service problem '' if that fits better, but the first XXXX is usually the most accurate for unjustified account bans ). \n\nFrom there, it will ask you for the company name, where you can search for and select PayPal. \n\nWhen filling out the narrative or description box, keep your explanation clear, concise, and professional. Make sure to emphasize these key points : Your account is XXXX years old and has always been in good standing.\n\nYou recently provided all requested documentation to verify your identity and activity, which an agent confirmed was sufficient.\n\nThe permanent limitation was triggered automatically immediately after a manager submitted a ticket to increase your limits.\n\nYou are seeking an executive review to overturn the automated limitation and release the 120-day hold on your funds.\n\n\" Are you able to store a balance in the digital wallet account that lets you add or withdraw funds to use for purchases or payments? '' You should answer \" Yes ''.\n\nPayPal functions exactly like this. Even if you have it linked directly to a bank account or credit card, the platform itself is designed to hold a \" PayPal Balance. '' Because you can receive money, store it in the account, and then either withdraw it to your bank or use it directly for online purchases, it meets the exact definition of what the CFPB is asking about. \nXXXX It said did you request info and I said yes. Now put \" I requested the reasoning as to why they permanently blocked my account '' or what? \n\nYes, what you suggested hits the nail on the head! \n\nTo make it sound even stronger and give the CFPB investigators the exact context they need, I recommend expanding on it just a bit so it highlights PayPal 's failure to give you a real answer. \n\nYou can copy and paste this exact phrasing : \" I requested the specific reasoning and policy details as to why my XXXXyear-old account was permanently limited. I also requested an explanation as to why this automated ban was triggered immediately after a manager initiated a limit increase on my behalf. The company refused to provide a specific reason and only issued a generic, automated response. '' This wording is perfect because it shows the CFPB that you tried to get a straight answer from PayPal, but they stonewalled you with a boilerplate template. \n\nLet me know what the next confusing question on the form is! \n\nWhat happened? \n\nDescribe what happened, and well send your comments to the companies involved. \n\nInclude dates, amounts, and actions that were taken by you or the company. \n\nDo not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account. \n\nHere is a draft you can copy and paste directly into that box. It is written to be strictly factual, outlines the timeline clearly, and highlights exactly where PayPals automated system made an error, all while making sure your personal information is left out. \n\nCopy and paste the text below : I am filing a complaint regarding the unjustified permanent limitation of my XXXX-year-old account and the subsequent XXXXday hold placed on my funds. \n\nStarting in XXXX of last year, my account was subjected to several standard review requests to verify my identity and the nature of my home-based income. I complied with all requests, and my account was restored each time, most recently in XXXX. \n\nApproximately XXXX days ago, my account was limited again. The initial reasoning given was that I had unresolved complaints against me. I contacted customer support and the agent confirmed this was an error on the company 's end ( I had no complaints against me, only XXXX dispute I had filed against a merchant ). The agent submitted a ticket, and my account was restored the next morning. \n\nHowever, upon restoring my account, the company unjustly lowered my monthly sales limit to {$300.00}, down from the {$800.00} limit I had secured the month prior. I spoke with a manager about this discrepancy. The manager agreed the reduction was unjustified and offered to submit an internal ticket to increase my limit to $ XXXX {$3000.00} to reflect my actual needs. \n\nThe morning after the manager submitted this ticket on my behalf, I received an automated notice stating my account had been \" permanently deactivated '' due to \" activity on this account that we can not support, '' and that my funds would be held forXX/XX/XXXXdays. \n\nI spoke with another representative yesterday who expressed confusion over the ban, as my account was in good standing. They submitted a request for a manager callback and an escalation, but the permanent limitation remains active. \n\nI have maintained this account in good standing for XXXX decades. The permanent limitation was clearly triggered by an automated system error responding to the manager 's limit increase request, not by any violation of policy on my part. I am requesting an immediate executive review by a human agent to overturn this automated ban, restore my account, and release the XXXX hold on my funds.","date_sent_to_company":"2026-04-22T06:14:32.000Z","issue":"Managing, opening, or closing your mobile wallet account","sub_product":"Mobile or digital wallet","zip_code":"81401","tags":null,"has_narrative":true,"complaint_id":"21473153","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2026-04-22T05:51:12.000Z","state":"CO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They are looking at a screen that tells them the decision is final, and they do not <em>have</em> the <em>security</em> clearance to override the \" back office '' or the <em>algorithm</em>. Even if that manager calls you back, their hands are likely tied by the system now. \n\nYour only path forward is to force the issue out of the automated system and onto the desk of a high-level executive who has the authority to actually read your XXXX history and overturn the <em>algorithm</em>."]},"sort":[9.174426,"21473153"]},{"_index":"complaint-public-v1","_id":"6246755","_score":5.4167156,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"The incident that set this in motion for which I request your assistance : On XX/XX/XXXX. I believed I had a virus in my computer because of a message I received on my computer and my computer being inoperable despite turning it off and restarting it. I called who I thought was a XXXX representative. He said he could remove virus. I purchased an antiviral program from him so provided my credit card to make the purchase and allowed him into my computer to remove the virus and clean my computer. During the conversation I became suspicious, hung up and called American Express to cancel the card. \n\nMY COMPLAINT SUMMARY On XX/XX/XXXX I was a victim of fraudulent charges ( totaling approximately XXXX ) on my American Express card. When I became aware, which was within an hour of the use of my card, I called American Express. I was told not to worry and the charges were all reversed and removed from my credit card. I was told I didnt need to do anything further - that American express would handle it, and that I didnt need to worry about the charges that they all were being credited to my account. \nOn XX/XX/XXXX I received a phone call from a representative claiming to work for the fraud department of American Express stating the charges were all going to be put back on my account because I was a victim of a scam. I requested to speak to a supervisor. I was told that a supervisor would call me in 24 to 48 hours.\n\nI called American Express immediately to ask whether it was really American Express who called me. I was told that they could not verify any phone calls made by American Express to me. They were not able to verify her call. They also assured me that once the charges had been reversed and credited to my account they would never be put back on my account. They asked if I had a letter from American Express stating they were crediting my account. I advised I did. They repeatedly reassured me that they could not verify the call and that I neednt worry about the charges because they would not be put back on my account. \nLater that afternoon I received a call from the supposed supervisor whom I requested to call. I was very uncomfortable talking with her and providing her any information since I didnt really know if she was a legitimate representative of American Express XXXX I expressed those sentiments to her. She stated that she understood my concerns and provided me her name, ID number, phone number and where she worked out of. She advised me to call American Express to verify her identity and when American Express confirmed her identity to call her back. I did just that. I called American Express but no one was able to verify her identity and could not find a record of her call. The person to whom I now spoke with was a supervisor and assured me the case was closed and that no charges could or would be reversed. She repeatedly assured me that I had nothing to worry about, that my account was credited all the fraudulent charges, and would not be reversed. I did not call the person back because I believed based on my conversation with American express that she was a fraud. \nOn XX/XX/XXXX I received a letter stating that all the fraudulent charges would be placed back on my account. I immediately called American Express and eventually spoke to a XXXX ( XXXX XXXX ) in the fraud department who advised me that at present the charges were not on my account and that when they appeared on my account, I should call him and he would reopen the case and have the charges reversed and taken care of. \nOn XX/XX/XXXX, the charges were placed back on my account. I immediately called, and after going through the explanation, asked to speak with XXXX XXXX, a XXXX in the fraud department. I was told he was on a phone call and would call me back. After waiting XXXX hours and not receiving a return phone call, I called again and spoke to a representative from the fraud department who advised he would try to reach him and would call me that evening to advise me whether he reached him or not. I received no phone call. \nOn XX/XX/XXXX, I called again, and once again after a lengthy explanation, I asked to speak to XXXX XXXX XXXX, XXXX in the fraud department. The representative now advised me that it wasn't necessary and said he would reopen the investigation. He advised there were XXXX charges totaling approximately XXXX. The investigation was reopened ( again ) .but the charges were not reversed. \nOn XX/XX/XXXX, I called again and asked to speak to XXXX XXXX or any other XXXX in the fraud department. After being told by the representative that he would not connect me to a XXXX, I demanded it, and finally was connected to a XXXX ( XXXX id XXXX ). After a lengthy discussion, she advised me that she would write her team, and call me on Wednesday XX/XX/XXXX. She was not able to promise a satisfactory resolution but was sympathetic and understanding. I repeated that I was a victim of fraudulent use of my credit card and these charges should be removed from my credit card. ( Mostly if not all gift card purchases ). \nI have also stated to American Express that I contacted them immediately while these charges were being made, that these charges should have been recognized as unusual and completely inconsistent with my profile- I have been an American Express customer over 25 years - and they should have questioned the charges and initiated a call to me before the authorization of all XXXX charges. I was told they have over XXXX algorithms and they missed it. That is just XXXX aspect of their accountability. I also called them immediately- they could have easily contacted the merchants so purchases using the gift cards could have been prevented or frozen. I later leared they did not call the merchants to freeze the purchases. If they had it would have protected them and myself. I will tell you what they said as letter proceeds. \nI have argued that the definition of a scam is a type of fraud. I also advised representatives from American Express that their website says they protect customers XXXX percent from fraud. Nowhere on the website does American Express differentiate fraud from scam - because a scam is fraud. \nI will list the dates and summary details of all conversations I have had with American Express which I believes reveals their negligence, misinformation which contributed to the present problem, lack of promised phone calls, confusion and disorganization I will also highlight statements they made which shows their culpability and illustrates their negligence and incompetence. \n\nLIST OF CALLS AFTER XX/XX/XXXX XX/XX/XXXX called to speak to XXXX XXXX who never called as promised on XX/XX/XXXX. Representative could not find XXXX or his note. Representative hung up and said he would try to locate him XX/XX/XXXX called and spoke with XXXX who said he cant do anything he said this is a customer service problem not a fraud problem and advised me to call customer service. \nXX/XX/XXXX called customer service and spoke with XXXX id XXXX who said this is a fraud case and she will contact XXXX. She said they would reach out to him and ask him to call me. They advised I should expect a call within XXXX XXXX hours. \nXX/XX/XXXX called to speak to XXXX and was told they would not connect me nor did they have any way of reaching him by email or phone. \nXX/XX/XXXX was not satisfied with previous conversation so I called customer service who connected me to fraud because I now received a monthly bill with all the fraud charges and interest that would accrue if I didnt pay it. I spoke to XXXX ID XXXX who said he was opening another investigation. When I said but the investigation is already opened through XXXX his response was I have my job to do. He advised the case would be resolved within 30 days and vowed to call me. He never did. \nXX/XX/XXXX called to speak to XXXX who I never heard from. I spoke with XXXX who was going to reach out to him by email and request that he call me. \nXX/XX/XXXX called again to speak to XXXX who had still not called. Representative was trying to locate him. \nXX/XX/XXXX XXXX XXXX called. He apologized for not calling. He raised the issue of a scam as to why it was not settled. He said he would ask his team to expedite the case. He said the backend team was reaching out to the merchants and were waiting to hear their response. I asked what information they were seeking from the merchants. His response I dont know. \nOnce again, I stated a scam was a type of a fraud, so it was fraud. I repeated that on their consumer website, nowhere does it differentiate coverage or non-coverage for a scam versus a fraud. That website simply states customers are protected XXXX percent from fraud. I repeated that they did nothing to stop the charges. \nHe apologized and said I dont understand what happened. \nHe said he would call me back in XXXX 5 days and said XXXX putting it on my calendar. \nXX/XX/XXXX called to speak to XXXX who never called back. Representative said they would send him an email to call me. \nXX/XX/XXXX XXXX pm - called again to speak to XXXX since he never called as promised. He was not available. Said they would contact him and ask him to call me. \nXX/XX/XXXX called to speak to XXXX who still had not called. Was told they would send him an email to have him call me. \nXX/XX/XXXX called to speak with XXXX again. I spoke to his supposed team who said his team will call me within XXXX hours and they will have XXXX call as well. Of course, no one called. \nXX/XX/XXXX called again to speak to XXXX who I last spoke to XX/XX/XXXX. Spoke with XXXX in fraud after explaining all details of the case who stated he would email XXXX with urgency to call me. \nXX/XX/XXXX called again no call received was told someone will call me within an hour. \nXX/XX/XXXX called because no one from fraud called as promised. Was given a case number XXXX ( even though I already had a case number ). Once again fraud representative said he will expedite the case and send an email to XXXX to call me. \nXX/XX/XXXX called to speak to XXXX since I received no promised call. I asked if there was someone superior to XXXX I could speak with after individual reviewed the account. He said there was. I waited XXXX hour on phone and was disconnected. I called back and the representative said she would connect me to a supervisor. After another long wait, she returned and said there were no supervisors available, and she would have one call me back today. No one called. \nXX/XX/XXXX called at XXXX am I was told no supervisor was currently available. Representative said she was arranging for XXXX to call me within XXXX hours. No one called. \nXX/XX/XXXX called and spoke with XXXX  ID XXXX and after explaining everything about the case, he said he would speak with his team and would call me in XXXX hours. He was having his team take over. \nXX/XX/XXXX XXXX called said there was no update. Promised he would call and would call me every XXXX hours for an update. XX/XX/XXXX. He never called. That was the last I heard from him. \nXX/XX/XXXX called and spoke to XXXX ID XXXX. He reviewed all notes and spoke with his XXXX. I reviewed the entire case with him. He said his team was now taking over. He said he would call me every XXXX hours for an update. \nXX/XX/XXXX XXXX called and said his manger the case would be flagged and resolved and expedited. He said it was still being investigated. XXXX also said he would send an email to XXXX to call me. He gave a new case XXXX XXXX. \nXX/XX/XXXX called because I never heard from XXXX or his team. Spoke with XXXX XXXX, a supervisor, who said she could not release her Id number. Once again, I reviewed the entire case with XXXX who stated our conversation was being recorded. She apologized. She said she was hearing me. \nBut she said the case on XX/XX/XXXX was denied by the XXXX the person whose identity American Express never verified for me. She implied once their decision was made little could be done. ( This was the first time I was ever told this ). She also said that is why the investigations could not go forward. Once again, I was never told this in the XXXX months that this was going XXXX made all my arguments with XXXX. She said she would reach out to the XXXX to discuss to see what could be done. She made no promises. \nXXXX called back that night and said the XXXX made their decision on XX/XX/XXXX and that would or could not be reversed. I said even if American Express made mistakes ( which I will detail ) She reiterated that she could not do anything though she understood my arguments and sympathized with what I had said. \nShe then said though she could not reverse the charges maybe she could work something out. I said unless you found a way to credit my account XXXX dollars or something equivalent, nothing else was acceptable. \nShe called back and said there was nothing she could do. \nI advised her - as I did previously that I would be contacting my lawyer. Conversations with XXXX were said to be recorded. \n\nARGUMENTS TO FIGHT THEIR STATED REASONS FOR THEIR COVERAGE DENIAL XXXX. On XX/XX/XXXX, I was called by this unknown person who claimed to be from American Express ( which was never verified ). She stated that all the charges were going to be put back on my account ( 2 months after the fact ) because this was a scam and American Express does not cover a scam as fraud. This was the first time I was ever told this. I also stated when my credit card was used fraudulently I was not aware that it was a scam if, in fact, it was. Also, nowhere on American website does it differentiate a scam from a fraud in regards to protection and coverage for said event. It simply says customer is XXXX percent protected. I also said the definition of a scam is a type of fraud. When I reported the incident I was simply told all charges would be taken off my account and that I need not worry, that American Express would take care of everything. \nXXXX. On XX/XX/XXXX, in my conversation with XXXX, she reiterated that this was a scam. I once again made the argument that I reported the incident/charges immediately when they occurred and American Express XXXX have and should have contacted all the merchants to freeze any purchase made on the said gift cards. She responded. American Express does not make the calls when it is a scam. Once again, that was the first time anyone ever said that. \nNo one from American Express ever said or advised me that I should call the merchants. In fact, they said the opposite - that they would take care of everything. If I was properly advised, I could have and would have called the merchants to freeze all purchases on these gift cards. If American Express had acted responsibly they would have contacted the merchants and halted the use of the fraudulently purchased gift cards. They did nothing, American Express is, therefore, also responsible for the charges. \nXXXX. American Express has also made the claim they are not responsible because I gave my credit card to the individual. I have repeated on numerous occasions that I provided my credit card for the purchase of an antiviral program and nothing else. I have made the argument that customers provide their credit card information every day in all situations whether by phone, on line, to make various purchases. This was no different than any customer making a purchase with his credit card. \nXXXX. I also argued that I have been a customer of American Express for 25 years and they have an extensive profile on the types of purchases I make. These purchases were well beyond my profile and their system should have recognized that and halted the completion of the transaction until they got my authorization. They note on the website that they protect us and XXXX contact us before authorizing a charge if they suspect anything suspicious. There were XXXX charges made to my account that were completely outside of my profile, yet American express did not call me to ask if these were my authorized charges. Yet, they have done that before during my relationship with American Express. I was told that American Express has over XXXX algorithms to detect this and it fell through the cracks. So, they failed to protect me, despite their website claiming we are protected XXXX percent and mentioning they have these digital protections. \nXXXX. I have over XXXX letters from American Express which simply illustrates their confusion, incompetence and the misinformation given to me. Some letters say my account will be credited a particular amount from a merchant. Then I have letters saying it wont be credited. Then I have letters from customer service that the dispute is closed because it is a fraud case even though it was the fraud department that instructed me to contact customer service to open all these disputes. \nXXXX. Lastly I have the XXXX initial letters from American Express stating our account was being credited in the amount approximating {$4100.00}. \nXXXX. Lastly, I filed a complaint with the consumer financial protection agency. American Express responded on XXXX, XXXX, XXXX though not adequately or honestly. I include a portion of their response below. \nHowever, we did find XXXX call on which we incorrectly informed you we do not have the capability of XXXX XXXX XXXX XXXX XX/XX/XXXX recharging a card and the charges would not be re-applied. XXXX assured that feedback has been provided to the appropriate leaders. We apologize for any inconvenience this XXXX have caused. We regret that you are not satisfied with the results of our investigations as it was not your desired outcome. We value your tenure with American Express but due to our findings, we are not able to credit your account for the charges. We understand your concerns regarding the security of your account and having the XXXX charges post to your account. We wish to assure you that you are not responsible for fraudulent charges made on your account. But because you released your account information, the charges in question are not considered to be fraudulent. \nThey admit to the misinformation I was given regarding charges being reapplied. Once again, they claim because I provided my credit card information they are not responsible though as I say we give our credit card multiple times per day and can not know who will use it fraudulently. \nXXXX. They note the amount disputed is {$4100.00} which is different from the amount I claimed {$4100.00}. \n\nOn XX/XX/XXXX, I contacted an attorney who wrote them a letter. After XXXX weeks they responded to his letter but either did not read the letter or misunderstood my attorney 's letter because they stated he had no outstanding disputes- referring to his acount and not mine. \n\nHe wrote them another letter. After XXXX weeks they wrote and requested to speak to me immediately, assigned a case number, but gave no specific person to speak with. \nWe called immediately spoke to a representative XXXX id XXXX who could not explain why the letter was sent, advised he would investigate and call within XXXX hours. \nIt has been XXXX hours and he nor anyone from American Express has called. \n\nPlease provide your asistance.","date_sent_to_company":"2022-11-26T17:38:07.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"11746","tags":"Older American","has_narrative":true,"complaint_id":"6246755","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2022-11-26T17:19:44.000Z","state":"NY","company_public_response":null,"sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I <em>have</em> also stated to American Express that I contacted them immediately while these charges were being made, that these charges <em>should</em> <em>have</em> been recognized as unusual and completely inconsistent with my profile- I <em>have</em> been an American Express customer over 25 years - and they <em>should</em> <em>have</em> questioned the charges and initiated a call to me before the authorization of all XXXX charges. I was told they <em>have</em> over XXXX <em>algorithms</em> and they missed it. That is just XXXX aspect of their accountability."]},"sort":[5.4167156,"6246755"]},{"_index":"complaint-public-v1","_id":"3242274","_score":4.6071653,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX [ XXXX, GA XXXX XX/XX/XXXX Fraud Department Navy Federal Credit Union ( NFCU ) XXXX XXXX XXXX XXXX VA XXXX  Dear Fraud Department : I am writing to appeal the decision to not allow me to have a debit card for my accounts. I did one Via Secure Messenger however, I am trying to allow NFCU to do the right thing in this situation. \n\nOn Wednesday, XX/XX/XXXX that my debit card for my account was no longer usable for a year. This didnt phase me because I had already made it known that the account should be closed. So on XX/XX/XXXX I called NFCU and spoke with a customer service department. After asking about when my account would be closed? I was told that day XXXX, XXXX XXXX. 1st lie. I then brought up the letter about my debit card I asked to make sure everything else was okay with the other debit cards. She checked at told me it was only for the card to the account I was closing. We talked a few minutes about ID THEFT because we both had been through this issue, Although she admitted my situation was far worse. I asked again to make sure all my other cards were working and safe to be used from their end. She assured me again checking other accounts that it was a block for only that card. After that, she told me they send those letters out when someone is closing an account after only having it opened a short time. I told her I understood that but, that with the fraudulent charges on that account it was what NFCU recommended that I do. She told me that would be the way to deal with it. As she was looking up my account she saw that I had been issued 15 debit cards to 4 accounts. I told her yes it was because every single time I opened a new account it would have fraud issues. I told her I had spoken with all three credit unions, The FTC, State and Local law enforcement, XXXX and USPS, and The Social Security Administration. I explained XXXX had done a deep web search and found out all my information was out there for people to buy or sell. That was the reason my accounts were hacked they had my social security number. I told her when I was well enough to go into public places I would be applying for a New SSN. She told me that she would do the same. She then asked if my illness was ongoing I told her that I have been battling XXXX XXXX, XXXX, XXXX, and XXXX XXXX for about 7 years. That I was immune compromised so going into public places was always a high risk for me. She told me she hoped that the doctors would find answers. I said thats why Im asking to make sure my other debit card would work. She told me emphatically YES. So If you lost count that was four times in that conversation alone that I was told that my debit card would be just fine. \n\nLater that same day XX/XX/XXXX around XXXX XXXX I tried to purchase some OTC medication on XXXX and my card wouldnt work. I called NFCU again and spoke with a man who worked in the Fraud department what was going on with my debit card. He told me after looking at my account that everything was fine that my debit card was not blocked in any way. He said it was probably a glitch in the system. I asked if he was absolutely sure after I told him about the letter he assured me that the letter was strictly for the account I was closing. So I asked when the system glitch would be over. He said to give it an hour or so. I waited until around XXXX XXXX to try buying my medications on XXXX again and again my card was denied. So then I went to another website and tried my card on that site. Again my card was denied. At this point I was frustrated. I called NFCU again at around XXXX XXXX and was transferred to the fraud department again. I told them the glitch was still going on or there was something wrong with my card. This time I was told that my debit card to my new personal account had been canceled and I would no longer be able to have a single account card until XX/XX/XXXX. I asked why and was given the reason that I was in breach of my debit card agreement. Knowing this was not true I pulled out my agreement and read through each of the sections over the phone. When we got to number 10 it said they could cancel my cards at any time for any reason without telling me first. However, two other rules stated that NFCU will alert a member if there is a problem with their account. Since I had called in twice previously this was absolutely not okay with me. The man then told me to call back the next day and speak to a supervisor. I asked him why couldnt I just talk to one now since I was away from home getting treatment at the XXXX XXXX in Florida.   He said they were busy. I could tell this conversation was going nowhere so I agreed to call back the next day. \n\nSo to quickly summarize XX/XX/XXXX I was told my new debit card was fine and would continue to work six times. Then I was told that all cards in my name had been canceled until XX/XX/XXXX. I was told I couldnt speak to a supervisor given the reason they were canceled made NO sense at all. This was causing a lot of stress when I already told NFCU I had major XXXX issues. These problems were keeping me from being able to do the things I needed to do like pay for medications at XXXX, order new otc meds from XXXX, buy the other things I needed while away from home. My XXXX  told me that I am not to be under stress. Being lied to six times and not being able to fix the problem was beyond stressful to the point it was hurting me physically. \n\nXX/XX/XXXX I called back since that is what I was told to do. I asked to speak to a Fraud department supervisor and I was told that none were in the office until Monday, XX/XX/XXXX. I told them I was told by a Fraud department worker to call back on the XXXX. The customer service rep. ask me what the problem was. I told her what had happened. She said she couldnt do anything about my account or debit card because it was already with the fraud department. I said fine does my debit card for my joint account with my husband work? She said yes and the only way NFCU could cancel it would be if my husband asked for me to be taken off the account since he was the primary owner. That the fraud department or NFCU didnt cancel debit cards to joint accounts unless the owner wanted it. If they did so it would be in breach of contract. So I thought that well at least I could try to do things using that card. It was not a good solution however, it would give me access to my money. \n\nSo that day was a bust, for the most part, all that happened was the man on XX/XX/XXXX just wanted me off the line. Telling me to call on a Saturday when the Fraud department wasnt open. Finding out that the joint account card which I rarely touch because of how my family does banking would still be in use. So I have one working card better than nothing. \n\nMonday, XX/XX/XXXX I called NFCU bright and early at XXXX XXXX. I asked to speak with a Fraud department supervisor. I was told I would have to speak to a Fraud/Security team member first. Fine, So I was put on hold for seven minutes until a Fraud team member came on the line and asked me what my problem was. I explained about the debit card being closed without a reason as to why it was closed. I told them that I had been told 6 times that my card would not be closed and yet it was. I told the person that the only card I could use was to the joint account and that didnt work well for me. I was placed on a brief hold ( 16 minutes ) the rep came back on the line and said yes all cards had been canceled and the decision would not be reversed to just use the joint account. So I asked if the joint account card would work. I was again told unless my husband the main owner called and had the card canceled that they couldnt cancel that card because that would put NFCU in breach of contract. I said okay. I still wanted to speak to a supervisor about my account because I deserved an answer about why my other card had been canceled. So I was put on a brief hold again ( 8 minutes ) the rep came back and said the person I would need to talk to wasnt in and that they had no idea when the person would be in but I could leave a voicemail and they would call me back. So after being transferred which amounted to another ( 18-minute hold ), I was sent to a survey they do at the end of every call. I was very very very annoyed and called right back. This time I spoke with another fraud department rep. She transferred me to her boss almost instantly. After the supervisor, XXXX was looking over my accounts and the situation that was happening she said this that they canceled my card because I am only allowed to have six debit cards a year in my name. I couldnt have more than five fraud claims a year and I was considered a high-risk member. I thanked her for her honesty about why my card was canceled here though is where I ran into a problem. None of the reasons she gave me were stated anywhere in the debit card contract and every card was issued by the advice of an NFCU rep. That EVERY fraud claim I had filed had been found to be actually fraudulent by NFCU and that the policy written in the debit card contract said I was to be issued a new card for any fraud on my account. So the reasons contradicted their own policies. She agreed that I was 100 % right. She told me I could appeal the decision to include all my efforts to stop the fraud as well as any medical reasons why the decision was the wrong one. Until then I could get a prepaid card. I told her no that if I was getting prepaid it would not be through NFCU after all this. She also told me the joint account card would stay open per contractual agreement. \n\nSo the XX/XX/XXXX calls were a little more productive at least in getting the reasons NFCU had canceled my card but not any solution to finding out how to fix my personal account debit card even though a fraud supervisor said that I had done NOTHING wrong. I was also told again my joint account card would be just fine. Lets remember my joint account card would remain open because closing it would be in breach of contract which was said to me five different times by 3 different people. \n\nXX/XX/XXXX I tried to use my joint account card and guess what it was denied. I called NFCU and talked to a Fraud supervisor named XXXX who told me that I would not be able to have cards with NFCU until XX/XX/XXXX. I told him I had been told numerous times by different people that they couldnt take that card away from me unless my husband requested it needless to say he hadnt requested it. Brain suggested I go into a local NFCU  to get cash. I told him I was immune compromised and that wouldnt be a safe option for me. He said that he was sorry my appeal had been denied but there was nothing he could do about it. \n\nMy claim was denied because I had 15 debit cards and had more than 7 fraudulent charges totaling over two thousand dollars. That it was a mathematical algorithm that decided I was to high a risk. I was so stressed, frustrated, and honestly angry. NONE of this was good for my XXXX. I, in fact, suffered a XXXX   XXXX that very day. \n\nSo to sum it all up I had spoken to 7 associates of NFCU that my joint account debit card would be fine due to contractual agreements. I had 4 fraud supervisors agree that none of the fraud and cards were my fault and that it was not written in any debit card agreement the number of cards a member could have. I spent well over 8 hours on the phone with different people over the last ten days to get nowhere because there is nothing anyone can do. \n\nSo this letter is to reach out one last time to NFCU and then I will be moving on to the XXXX and Consumer Finical to get arbitration or court set up on this mess. NFCU has a code of ethics on its website for the world to see. \n\n1. Act with the highest grade of integrity which requires honesty and being candid. ( I was lied to several times and given the rule around many times ). \n\n2. Accept and recognize personal responsibility to build and maintain the NFCU name. ( The opposite is happening. ) 6. Use the Highest level of professionalism and courtesy. ( This didnt happen either ) After telling people how much I love NFCU I now am beyond mad to hurt by the way I have been treated. I have had undue XXXX XXXX  and XXXX XXXXXXXX because of all that has happened. According to my lawyer suing for XXXX XXXX XXXX XXXX is something we can do. I am not that person by nature I want to give people and companies every possible chance to do the right thing first. So here is your chance NFCU please do the right thing. \n\n\n\nSincerely, XXXX XXXX Member # XXXX","date_sent_to_company":"2019-05-14T11:43:12.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"31313","tags":"Servicemember","has_narrative":true,"complaint_id":"3242274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2019-05-14T11:34:53.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["So I <em>have</em> one working card better than nothing. \n\nMonday, XX/XX/XXXX I called NFCU bright and early at XXXX XXXX. I asked to speak with a Fraud department supervisor. I was told I would <em>have</em> to speak to a Fraud/<em>Security</em> team member first. Fine, So I was put on hold for seven minutes until a Fraud team member came on the line and asked me what my problem was. I explained about the debit card being closed without a reason as to why it was closed."]},"sort":[4.6071653,"3242274"]},{"_index":"complaint-public-v1","_id":"3344343","_score":4.476632,"_source":{"product":"Debt collection","complaint_what_happened":"Dear CFPB :\n\nPlease find this Amended Complaint; Qualified Written Request; Validation of Debt; and Request for Adequate Assurance from Bank of America  (“BOA”) and XXXX XXXX, Inc. (XXXX XXXX”) aka XXXX  XXXX XXXX   (“XXXX”) for their mortgage fraud; fraud with XXXX XXXX securities; forgery; unlawful collection  and violations of all possible laws. \n\nWhile BOA’s sham conduit XXXX  XXXX XXXX, XXXX  (“XXXX”) who pretend to be “owner/investor” (now merely “servicer”) repeatedly stated that I have right to dispute my debt, at the same time they deprived me from  this right  and now illegally  try to accelerate my payments by threats  with a foreclosure – without proper validation or any Assurances, solely based on a poorly forged by XXXX XXXX Allonge to the Note (without any endorsements) where XXXX is not even mentioned. BOA relentless fraud, extortion  and scary tactic placed me under extreme emotional distress which caused severe damages to my health condition since I have to take strong pain killers and sleep medication because I lost my night sleep dealing with BOA and their co-conspirators criminal conduct and violations of all laws.  \n\nI received additional evidence from  XXXX which  clearly indicates that neither XXXX or XXXX are not the real party who actually own my debt but rather fake conduits for Bank of America who illegally cashing my mortgage payment checks without guaranteeing that upon completion of my loan I will successfully own my title. This evidence also shows that my “lender” is simply a front for BoA whose ultimate goal with my loan is to push me into foreclosure through murky collection practices and fees while the bank enriches itself through reselling my loan through securities known as CDO (derivatives). \n\nThis evidence further shows that my performing loan was internally defaulted by BOA to illegally remove it from XXXX  XXXX custody by abusing a XXXX XXXX rule that give issuers the option to buy back their loans if the loans are 90 days delinquent or more; and resell for profits . \n\nBoth XXXX  and XXXX  merely  impersonate as \"servicer\" and \"owners/investors\" to defraud me about the real identity of the party – BOA - who collects my mortgage payments as their handsome income  while they want me to think I repay the debt to legitimate investors; as well as about the real party who sends me threatening Notices – XXXX  XXXX. \n\nMy conclusion is based on  XXXX  respond  on XX/XX/XXXX where they sent me a copy of poorly forged Alonge to the Note which lacked any chain of Assignments in violation of all applicable laws; and threatened me with a Payoff demand – while I never refused to pay my mortgage to the  lawful owners of my debt as soon as the debt is validated. \n\nPlus, it appears that onXX/XX/XXXX XXXX   promptly changed its payment mailing address from XXXX XXXX XXXX  XXXX  TX to XXXX XXXX  XXXX, XXXX XXXX   CA, so I don’t even know where my mortgage payments should be mailed and who actually collected them in XXXX, TX where neither XXXX or XXXX  have no officers nearby. \n\nOn XX/XX/XXXX I emailed  a Complaint to Michigan Senator XXXX  asking for help and intervention. I included in this email Bank of America’s top executives. \n\nThe very same day,XX/XX/XXXX XXXX,  who during last three months  was not able to located any documents related to my loan,  suddenly \"found\" the whole closing package (!) which was emailed to them by someone else ( XXXX  XXXX) via large PDF file. \n\nYou can see from the attached documents, the top and the bottom of each page has a line \"Generated by XXXX XXXX\" (on top); and \"click here to unlock XXXX\" (on the bottom). This PDF file was sent by someone, aka XXXX  XXXX, owned by Mr. XXXX, XXXX, who also owns XXXX. While one part of Mr. XXXX business – XXXX XXXX fka XXXX XXXX XXXX /XXXX – operates a sophisticated forgery mill of  mortgage Notes to defraud borrowers and investors; another part – XXXX   XXXX  – issues property Title insurances for fatally damaged by  XXXX XXXX Titles\n\nXXXX  mailed this  package to me by overnight XXXX   about XXXX XXXX the same day, XX/XX/XXXX, apparently without even reviewing included  documents. Bear to repeat, I requested these documents since XXXX   XXXX  and XXXX  was not able to locate it until I included Senator XXXX  into this dispute.  Otherwise they would notice that the Note is not endorsed at all; and the Allonge is very poorly forged by someone who has NO authority to sign Notes or transfer them. \n\nXXXX   merely  separated XXXXt file in two parts and put one part on front of their package - such as a  copy of my Note without ANY endorsements and a copy of a very poorly forged Allonge  prepared by XXXX  XXXX XXXX XXXX  who on XX/XX/XXXX (!) the same day as my loan was signed, passed it to XXXX XXXX XXXX   while XXXX claimed that they received it on XX/XX/XXXX. It was unclear if Mr. XXXX  worked for XXXX or XXXX   at the time when he signed Allonge  to this Note which Mr. XXXX  had no authority to sign under ANY circumstances. \n\nThis is a glaring violation of all endorsement rules, plus Collateral Shipper XXXX  (who worked for whom?) had NO authority to sign anything to XXXX, he merely must obtain an authorized signature. XXXX XXXX or any Trust was not mentioned at all, as well as Mortgagee XXXX or “owner/investor” XXXX  (who is a FAKE Servicer) . \n\nI suspect that this Allonge was  prepared on a  rush basis on the same day, XX/XX/XXXX by  – Mr. XXXX - who had no idea about anything regarding my loan -  when XXXX   received it (XX/XX/XXXX); XXXX as a mortgage, ect. Someone (aka XXXX  XXXX) merely had someone (posing  as XXXX XXXX)  to sign an obviously fraudulent document. \n\nMr. XXXX signature is not a wet ink signature and appears to be an electronically forged signature which can be placed by anybody – thus, a modernized variation of robo-signing. \n\nIn the middle of the document pile XXXX  put billing documents received probably from XXXX. The don't have PDF file on the bottom and top (see XXXX  Sequence of documents)\n\n At the end XXXXc  attached  all documents related to origination, including Appraisal, photos, ect. Total over 100 pages (speaking about \"broad and burdensome\" request to give me a name of the Trust and proof of the valid Transfer with  value paid). Obviously, XXXX  wanted to make an impression that all these documents were originally in their files and kept in  consecutive chronological order while they were obviously not. \n\n Again, the front  and back parts of these documents were the same voluminous PDF file received by XXXX  via email from XXXX  XXXX  for the first time on XX/XX/XXXX while documents in the middle came from some other sources. \n\nNone of these documents mentioned  XXXX as an \"owner/investor\" (now XXXX claims to be merely \"servicers\" while Servicers are NOT owners of the loans, thus XXXX made false statements to mislead me about their “ownership” ).\n\nHere is  no proof of any valid transfer or any value paid by XXXX to XXXX or by XXXX to XXXX from whom XXXX received my loan from XXXX via  Allonge transfer on XX/XX/XXXX while XXXX insisted that they obtained my loan from XXXX onXX/XX/XXXX.  According to endorcement rules,  must use the NOTE space first before they attach any allonges. \n\nAccording to the Rules: The note must be endorsed to each subsequent owner of the mortgage unless one or more of the owners endorsed the note in blank. The last endorsement on the note should be that of the mortgage seller. The mortgage seller must endorse the note in blank and without recourse. \n\nThe only endorsement on the Allonge is “Pay to XXXX   XXXX  XXXX, Inc without recourse” was made on XX/XX/XXXX while XXXX claimed they are next servicers who receive my loan onXX/XX/XXXX for servicing purposes and owner/investor is XXXX  XXXX. No other endorsements are  present – neither to XXXX  XXXX   although they must be listed on the Note; nor to XXXX. \n\nThe Rules also specify using an Allonge for the Endorsement.   The endorsement must appear on the note. An allonge  may be used for the endorsement as long as the following requirements are met: The form and content of the allonge used must comply with all applicable state, local, or federal law governing the use of allonges and result in an enforceable and proper endorsement to the note.  The allonge must be permanently affixed to the related note and must clearly identify the note by referencing at least the name of the borrower(s), the date of the note, the amount of the note, and the address of the security property.  The note must clearly reference the attached allonge. XXXX XXXX status as a “holder in due course” must not be impaired. \n\nOnce again, here is NOTHING on the Note referencing to XXXX  XXXX; or XXXX or Allonge itself which was prepared by collateral shipper Mr. XXXX  who does not have authority to assign any Notes. \n\nIn other words, my Note and Allonge are a glaring example of modern documents forgery committed by the same companies who flooded US Courts with forged robo-signed foreclosures. These companies changed their names to XXXX, XXXX, and XXXX XXXX but their criminal practices are the same. \n\nBear to repeat, after I asked why both servicers  - XXXX   and XXXX receive my payments in the same post Office in XXXX TX, XXXX  promptly changed payment mailing address from XXXX XXXX  in XXXX TX to XXXX XXXX  XXXX XXXX  XXXX  CA .\n\n So, where I should pay my mortgage? Why XXXX   demanded my XXXX, XXXX and XXXX payments to be mailed to XXXX TX if they don’t even have offices in TX? Whom I paid my debt when I mailed my payments to XXXX  TX?  \n\nWhen I spoke with XXXX on XX/XX/XXXX around XXXX how they  deposited   my payments (this conversation was  witnessed by XXXX banker XXXX   XXXX  who processed my check  to XXXX), XXXX   representative Mr. XXXX said that XXXX deposited it in THEIR account with Bank of America. \n\nAccording to the refund check XXXX  mailed me on XX/XX/XXXX from their Oklahoma XXXX XXXX XX/XX/XXXX XX/XX/XXXX, OK XX/XX/XXXX, this BOA location is in Georgia and routing number is XX/XX/XXXX. It does not make any sense for XX/XX/XXXXwhose place of business is in Oklahoma, to collect my payments in XX/XX/XXXX TX and issue me refunds from BOA account located in XX/XX/XXXX GA while process my payments with a different BOA location. If XX/XX/XXXX used BOA location in GA, it would be reasonable to deposit my payments on the same account. \n\nBased on XXXX XXXX  MBS Guide, my payments should be handled by a Trustee (apparently XXXX XXXX  XXXX XXXX) and distributed to XXXX XXXX investors. None of it present.\n\nBut my payments were processed by BOA in TX (where neither XXXX or XXXX  do not have any offices nearby) and Bank of Final Deposit had routing number XXXX, which belonged to XXXX XXXX XXXX   which merged with BOA\n\nThe name of the Trust is not mentioned but the XXXX XXXX pool is supposedly XXXX. XXXX XXXX pools have different abbreviations; and I was not able to locate any XXXX Trusts.\n\nNow XXXX  said that they prepared a PayOff Demand letter, apparently trying to demand me to pay them FULL amount of my loan, in violation of all applicable laws, while I never refused to pay my debt and lawfully requested Validation of Debt and Adequate Assurance during which time I have right to suspend my performance.\n\nXXXX on XX/XX/XXXX for the first time provided me a copy of my Note – without ANY assignments; and poorly forged Allonge to the Note while the Note has no references to any Allonges or XXXX what-so-ever; and now XXXXXXXX wants me to pay them the ENTIRE amount of my loan, which is a text book fraud; wrongful collection; violation of FDCPA and racket under RICO Act.\n\nSo, the delay with payment was caused not by my refusal to pay ( I am willing and able my debt to legitimate investors) but by XXXX  violation of all applicable laws.\n\nI really don't know that to do about since these criminals have no limits in their violations of the law and I am consented they can illegally foreclose even though I have all evidence of their fraud and they cannot accelerate payments during validation period. \n\nI contacted XXXX XXXX (who emailed XXXX  PDF file on XX/XX/XXXX)  Here is that they said: “Ms. XXXX, Thank you for your correspondence.  This matter does not involve XXXX   XXXX business activities and any questions that you may have should be directed to the current servicer of your loan. Sincerely”\n\nThis is a blatant lie. First, XXXX XXXX ordered a copy of the FEMA map acting on behalf of XXXX as their client. \n\nSecond, anyone who knows about securitization of residential debt knows that the only way the banks could succeed is if they had a central repository and central command center from which all documents were fabricated and all instructions were issued. \nFor nearly all loans the central command was XXXX, aided by XXXX. \n\nWhile XXXX is technically defunct and XXXX XXXX went to jail taking one for the team, the functions of XXXX  remained the same.\n\nXXXX  changed its name to XXXX  XXXX  who in fact is owned and operated by XXXX   and Me. XXXX XXXX, and in a PR coup transformed itself into the publisher of what is largely viewed as comprehensive data on mortgage lending and foreclosures. Hence it went from the purveyor of false, fraudulent, forged documentation to the purveyor of data perceived as reliable and thence became a trusted source whose data is considered worthy of legal presumptions.\n\nSystems at XXXX/XXXX XXXX  include data processing on virtually all residential loans subject to claims of securitization many of which are represented by data on the XX/XX/XXXX  Platform which is a workaround to hide separate split transfers of the debt, the note and the mortgage or deed of trust. The systems on XXXX/XXXX   XXXX are designed for the express purpose of presenting consistent data in foreclosure claims. As such it also enables the rotation of apparent servicers, none of whom perform bookkeeping functions even if some of them interact with borrowers as if they were actually the servicers.\n\nThe rotation of servicers comes with the false representation and illusion of boarding in which the process is falsely represented as meaning that the new servicer inspected, audited, reviewed and input the data into their own system. None of that occurred. Instead the new servicer merely gained access to the same XXXX   system as the last servicer with a new login and password.\n\nAll evidence shows that the functions for fabricated, forging and robosigning documents continue to be performed under the direction of XXXX/XXXX XXXX (in fact, by XXXX under leadership of XXXX XXXX XXXX) ) which receives all instructions from various investment banks who have each started their own securitization scheme masking apparent trades in the secondary market for loans and trades in the shadow banking market where “private contracts” are regularly traded without any securities regulation.\n\n Far from dropping their connection with XXXX/XXXX the major banks have completely embraced this central repository of all loan data, all of which is subject to manual and algorithmic manipulation to suit the needs of the banks; thus they produce a report that creates the illusion of credibility, reliability and even independence even though none of those things are true.  This is why the claims of a “Boarding process” are pure fiction, because the records are always kept in the same place and never move. \n\nThis is obvious in my situation with fake Servicers XXXX   and XXXX  who have no documents pertaining to my loan. \n\nXXXX was the place where most of not all document fabrications took place including signatures that were forged or robosigned. Fabrication means that they were creating documents that did not previously exist. Those documents did not exist for only one reason, to wit: there was no transaction to document so the document was never prepared until it was necessary to fake it for the purposes of foreclosures.\n\nXXXX XXXX  is now used as a trusted source of information about mortgages and foreclosures despite being the central entity (operating through third party contractors) from which false documents are created and used in foreclosures.\n\nIt was necessary to fake it because under the law, it isn’t enough to allege or assert that a borrower failed to pay. Failure to pay is only a breach as to the owner of the debt who is entitled to receive the payment because he/she/it paid money for the debt and the rights to enforce. But no such payment ever occurred. If there is no rebach there is no claim.\n\nSo in order to cover-up the illusions created by fabrications of documents, it was necessary to fake the sending, filing and serving of process of documents. The secrecy  was accomplished by sending the notices not from the central repository, XXXX XXXX, which would make it obvious that it was all coming from one place, but from different locations around the country — hundreds of them.\n\nSo in my  example, XXXX agrees to let XXXX XXXX   use its name for notices, and Bank of America agrees to have the notice sent from one of its thousands of locations. In reality the notice came from XXXX XXXX (aka XXXX).\n\nAgain, it is very evident in my loan where XXXX  XXXX   was secretly  involved from the beginning when XXXX   XXXX ordered a Flood Insurance Map from FEMA acting on behalf of their “client” XXXX, the purported “Lender”. \n\n The  massive PDF file to XXXX was emailed on XX/XX/XXXX  by XXXX  XXXX  who did not even bother to prepare somehow legitimately-looking assignment or  include XXXX into it. Thus, Mr. XXXX   XXXX, who forged an Allonge, shall be held for document forgery and fraud against Federal Government from who Mr. XXXX  STOLE my loan and the Note which he “assigned” to XXXX, not XXXX XXXX. \n\nXXXX  evasive and incomplete responses regarding essential documents related to my debt – a copy of my Note with full chain of transfer and a receipt of sale/purchase,  leaves only one possible conclusion, to wit: that the loan origination was only one part of a much larger undisclosed scheme, the existence of which was intentionally obscured and withheld from the borrower, whose name, signature reputation and home were not just material, but absolutely essential requirements for the success of the scheme, which includes huge  tax evasion and money laundering. \n\nThe intent was clearly not to receive repayment of a loan. In fact all evidence currently available suggests that any money that has been received as a result of the “loans” to consumers was actually revenue disguised as principal, interest, or the proceeds of property sales – voluntary or involuntary. \n\nThe current evidence strongly suggests that there was a complete conversion of the loan receivable from the category of “asset” to “income.” In order to maintain the illusion, which required concealment of the conversion of the apparent loan receivable from asset to income, it was necessary to bring foreclosure actions on those consumers who had stopped making payments. This was true even though the parties to whom they were making payments, were not collecting on behalf of any party who owned the debt by virtue of having paid money for ownership of the debt and the rights to enforce it.\n\nBut since the loan receivable had been converted from asset to income they had to create the appearance that the conversion had never occurred. And that is why we saw widespread fabrication, forgery and Robo signing of backdated documents that referred to nonexistent transactions. In reality it is simply not possible that anyone in the chain of title could have paid any money for ownership of the debt and the rights to enforce it; this was simply because none of those parties had ever funded the origination or acquisition of the debt. All attributes of the debt and all revenue streams or profits from treating indirectly on the debt were sold for profit in which the participants in that revenue stream received at least 11 times the amount of the purported “loan.” As part of the cover-up most of the revenue stream was reported as return of capital, implying that the conversion to income had never occurred. This enabled avoidance of substantial income taxes on regular trading income.\n\nThe taxes lost to State and Federal Government were far in excess of the cost of various packages that were used to stimulate the economy after the crash caused by the very same investment bankers who had cheated the government out of the receipt of tax revenues, cheated homeowners, and cheated investors.\n \nIn the recent Complaint filed by the Department of Justice against XXXX  , the insiders who were trading digitized certificates and contracts deriving value from an index that referred to a group of loans that were not owned by any of the participants, referred to the “pooling” and the derivatives as a bag of XXXX whose value was something less then XXXX. And that is what is being enforced in foreclosure courts across the country. And somehow most homeowners continue to experience feelings of shame and regret for not giving even more revenue to players who will already profited in XXXX proportions to any money that was loaned. Those homeowners think that they are either paying a debt if they are making monthly payments, or they are giving up their house to pay a debt. If that was true, that none of the fabrication of documents, forgery or Robo signing would have been necessary. \n\nThus, a full validation of my debt to XXXX aka BOA;  and Adequate Assurance that I deal with a legitimate company, not with a bundle of the same criminals  who once crashed US economy is absolutely mandatory.  I respectfully request you to intervene and ORDER BOA, XXXX, and their co-conspirators to compensate me for ALL damages, in the amount no less that (1) 15% royalties from trades on my name, signature and reputation; (2) treble damages for fraud and forgery;( 3) treble damages for racket; (4) damages for extreme emotional distress while dealing with BOA RICO enterprise who as of today is engaged in a wide-spree crimes. \n\nBOA found it lucrative to gamble with lives and homes  of veterans like myself, with gross disregard to all damages their criminal conduct can cause. The laughable settlements paid by BOA with other people money only made fraud more attractive since BOA acts with total impunity and not afraid to defraud borrowers as much as they want. \n \nRegards. XXXX XXXX","date_sent_to_company":"2019-08-21T13:07:36.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"490XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3344343","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2019-08-18T12:47:05.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["This matter does not involve XXXX   XXXX business activities and any questions that you may <em>have</em> <em>should</em> be directed to the current servicer of your loan. Sincerely”\n\nThis is a blatant lie. First, XXXX XXXX ordered a copy of the FEMA map acting on behalf of XXXX as their client."]},"sort":[4.476632,"3344343"]},{"_index":"complaint-public-v1","_id":"11604280","_score":3.6704135,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : A Demand for Justice : Rectifying Systemic Failures and Violations of Domestic and International Laws To : XXXX, XXXX and Equifax To whom it may concern, Dear human being, My fellow human! \" In the beginning XXXX created the heavens and the earth. ( XXXX XXXX, XXXX ) This foundational truth sets the principles of justice, fairness, and accountability that govern all humanity. So XXXX created mankind in His own image, in the image of XXXX He created them ; male and female He created them. ( XXXX XXXX, XXXX ) From these divine principles arise the ideals enshrined in the Declaration of Independence, which asserts : We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty, and the pursuit of Happiness. \n\nFor over XXXX years, your actions have stood in direct opposition to these principles. Through systemic negligence, retaliation, and failure to address your own errors, you have : Suppressed my ability to achieve financial independence. \n\nTarnished my reputation and credibility. \n\nDenied me the opportunity to pursue entrepreneurial aspirations that could transform my life and benefit my community. \n\n\nThis letter is not a requestit is a demand for immediate corrective action. \n\n\n-- - XXXX. Systemic Negligence : Catastrophic Data Breaches and Their Consequences XXXX Catastrophic Data Breaches Your institutions have consistently failed to protect sensitive consumer data, resulting in catastrophic breaches : Equifax ( XXXX ) : Exposed the personal data of XXXX XXXX Americans, including Social Security numbers, birth dates, and financial details. \n\nXXXX ( XXXX ) : Compromised sensitive information of millions globally, further exposing consumers to fraud and exploitation. \n\nXXXX ( XXXX ) : Continued this pattern of failure, leaking sensitive financial data and further eroding public trust. \n\n\nThese breaches are not mere accidentsthey are the result of systemic failures to maintain adequate security protocols. \n\n\n-- - XXXX My Terrible Personal Experience as a Result of the Real-World Consequences of Your Data Breaches Your failure to protect sensitive consumer data has wreaked havoc on my life in ways I never imagined. The catastrophic breaches at your institutions didnt just compromise my financial informationthey shattered my trust in a system thats supposed to safeguard my future. \n\nFraudulent Accounts and XXXX XXXX XXXX cant even count the number of times Ive stared at my credit report in shock and disbelief. Over XXXX to XXXX derogatory accounts? Accounts Ive never opened, never authorized, and certainly never benefited from. These fraudulent accounts sat there, ruining my financial reputation, while you stood idly by multiple requests for you to take corrective actions yet you only made it worse. \n\nAnd it doesnt stop there. More than XXXX hard inquiries? How is that even possible? Each one of those inquiries chipped away at my XXXX Credit report credentials and score, making it harder and harder for me to access fair financial opportunities. These werent my actions. These were your mistakes. Yet Ive been the one suffering the consequences, year after year. \n\nEvery time I saw another inquiry or a suspicious account appear, I ask myself : Why wasnt this stopped? Why wasnt I protected? Your negligence didnt just expose meit made me a target. Its not just frustratingits infuriating. \n\nFalse Address Listings To make matters worse, throughout the years different addresses of places that never visit XXXX living were placed on my Consumer Credit report recently I discovered on a my Consumer credit report from a third party a falsely listed as my previous address : XXXX XXXX XXXX, XXXX XXXX, MA XXXX, a place Ive never lived and never even heard of. Do you know what it feels like to have your identity tangled in errors like this? Its humiliating, confusing, and downright terrifying. \n\nThis false address didnt just undermine my credibilityit opened the door to even more fraud. Ive had to live with the constant fear of what might happen next, all because you couldnt manage the information youre entrusted with. \n\nXXXX XXXX XXXX in Retaliation And then theres the retaliation. On the early morning of XX/XX/XXXX approximately XXXX AM I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), exercising my right to hold you accountable. Less than XXXX Hours later, around XXXX XXXX XXXX XXXX  again a third party credit monitoring that I use informed that my credit score dropped XXXX pointsfor no legitimate reason. Its impossible to see this as anything other than deliberate retaliation. \n\nYour actions have left me trapped in a cycle of frustration, fear, and financial instability. Ive done everything in my power to correct your mistakes, but your systemic failures and blatant disregard for accountability have made that nearly impossible. \n\n-- - XXXX. Retaliation : A Modern-Day Tyranny Your retaliatory practices mirror the tyranny of King XXXX XXXX XXXX XXXX oppressive actions prompted the XXXX XXXX. The Founders fought against : Arbitrary Penalties : Just as King XXXX imposed unjust taxes, you manipulate credit scores to penalize consumers without justification than exercising their rights safeguarded by XXXX & XXXX. \n\nXXXX XXXX : Like the XXXX dismissing colonists petitions, you have repeatedly throughout the years ignored my disputes and grievances blatantly refusing to take corrective actions to fix the wrong you have immensely contributed to cause harm to my financial well-being. \n\nSuppressed Economic Freedom : By obstructing my financial independence, you echo the Kings restrictions on XXXX trade and prosperity. \n\n-- - XXXX. Obstructing Entrepreneurial Aspirations : A Vision Delayed by Negligence XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX other XXXX XXXX XXXX in different Industries I have a clear and ambitious vision : to establish a thriving e-commerce business that provides innovative, high-quality products to a global audience. My business is not just about profitits about creating a sustainable and impactful enterprise that contributes to local and international economies throughout the world after all I, a person who not only read or studied the whole XXXX for hundreds of time but by the Grace of the XXXX XXXX of the Heavens and the Earth YAHWEH through XXXX XXXX the Master Worker by XXXX XXXX XXXX XXXX XXXX XXXX XXXX 'S XXXX Powerful, Magnificent, Awe-inspiring, Holy XXXX copied the whole XXXX from XXXX XXXX to Re XXXX without missing a day in span of 5 years straight starting in the year XXXX Completely Finishing in the XXXX must not be selfish and must work for the well-being of his fellow men throughout the the earth. \n\nIn reality, your systemic, calculated tyranny throughout the years has cost me not hundreds of thousands but Millions of Dollars if not Billions of Dollars most certainly irreparable damages and lots of stressful moments pulling my hair out specially when checking my Consumer Credit report and Credit score and see all the XXXX Unauthorized corrupted inquiries and Unauthorized corrupted accounts listed there on my XXXX Credit report, that I didn't even had easy access as most people, because throughout the years you have consistently and systemically blocked and suppressed my access to my Consumer Credit report and Credit score and used all kinds dirty tactical moves to not only prevent but barr not only me but also multiple Credit Repair Agencies that I have hired throughout the years to help me, trying to clean up the mess that you caused me to suffer from. \n\nBusiness Plan Overview : XXXX. XXXX XXXX XXXX : XXXX XXXX : Targeting [ specific niche, e.g., sustainable fashion, health and wellness products, or tech accessories ] to meet growing consumer demand. \n\nProduct Differentiation : Offering unique, eco-friendly, and ethically sourced products that stand out in a competitive market. \n\n\nXXXX. XXXX XXXX : Leveraging digital marketing tools like search engine optimization ( SEO ), social media advertising, and email campaigns to drive traffic and sales. \n\nExpanding to international markets through partnerships with reliable logistics providers. \n\n\nXXXX. Growth Potential : Year XXXX : Launching the online platform, achieving initial sales milestones, and building a loyal customer base. \n\nYear XXXX : Scaling operations through targeted marketing campaigns and product line expansion. \n\nYear XXXX and Beyond : Establishing brick-and-mortar locations in strategic regions while reinvesting profits into community, local & International-focused initiatives to Contribute Financially to different Non profit Organizations throughout the earth. \n\n\nXXXX. Social Responsibility : Committing to eco-friendly practices by using sustainable packaging and reducing the businesss carbon footprint. \n\nSupporting community programs that empower underprivileged individuals through education and employment opportunities. \n\n\nXXXX The Systemic Harm Blocking My Vision Your actions have systematically undermined my ability to bring this and other visions to life. Specifically : XXXX. Denial of XXXX to XXXX : Due to inaccuracies and unauthorized hard inquiries on my credit report, lenders view my credit profile as unreliable. As a result, I have been repeatedly denied funding, making it impossible to cover essential startup costs such as inventory, technology, and marketing. \n\n\nXXXX. Loss of Credibility : The fraudulent accounts and false address listings on my report have tarnished my reputation with financial institutions, further stifling my access to critical resources. \n\n\nXXXX. Delays That Compound Over Time : Each day your negligence persists is another day I am unable to move forward. These delays have not only derailed my business timeline but have also caused missed opportunities to partner with suppliers, secure competitive pricing, and establish a foothold in the market. \n\n\nXXXX. Emotional and Financial Toll : Your failures have caused immense emotional distress, forcing me to repeatedly throughout the years dispute gross negligent errors instead of focusing on growing my business. This diversion of time and resources has directly hindered my ability to provide financial stability for my family. \n\n-- - 3.3 The Ripple Effect of Suppression Your actions dont just harm methey harm the community and the world economy that would benefit from my businesses Ventures both Locally & Internationally : Job Creation : By obstructing my progress, you have denied local talent the opportunity to find stable employment. \n\nEconomic Contribution : My e-commerce business has the potential to generate significant economic activity, from supplier partnerships to customer spending Globally. \n\nXXXX XXXX : By delaying my vision, you have stifled the introduction of unique products and services that could positively impact consumers lives. \n\n-- - XXXX A Vision That Preservers Despite the Odds Despite the systemic harm through the years that youve caused, my resolve remains unwavering. My business plan is ready to be executed, but your gross negligence and retaliatory actions have erected barriers that no entrepreneur should face. It is your obligation to : XXXX. Correct the inaccuracies in my consumer credit report. \n\n\nXXXX. Reverse retaliatory actions that have unjustly suppressed my creditworthiness. \n\n\nXXXX. Ensure transparency and accountability to restore my financial reputation and enable me to pursue my vision without further delays. \n\n\n\nYour failure to act is not just a personal affrontit is a violation of the principles of fairness, equality and the right to property and opportunity enshrined in domestic and international laws. \n\n-- - XXXX. Violations of Global and Domestic Laws XXXX Universal Human Rights Violations Your actions violate the principles enshrined in the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) : Article XXXX : Undermines my inherent dignity and right to equality. \n\nArticle XXXX : Constitutes arbitrary interference with my privacy and reputation. \n\n\nXXXX GDPR Violations Your handling of sensitive consumer data violates the General Data Protection Regulation ( GDPR ), which mandates transparency, accountability, and the protection of consumer information. \n\nXXXX Fair Credit Reporting Act ( FCRA ) Violations Your actions contravene multiple provisions of the FCRA, including : 15 USC 1681e ( b ) : Failure to maintain reasonable accuracy.\n\n15 USC 1681i ( a ) : Refusal to investigate and correct errors within the required timeframe. \n\nXXXX Additional International Authorities To ensure accountability, I reserve the right to escalate this matter to the following global entities : The XXXX for XXXX XXXX and XXXX ( XXXX ) : To address systemic failures in consumer data protection. \n\nThe XXXX XXXX Police XXXX ( XXXX ) : For oversight of cross-border data breaches and fraudulent activities. \n\nThe XXXX XXXX XXXX XXXX ( XXXX ) : For violations of universal human rights and negligence impacting global citizens. \n\nArticle Section : Strategic Advocacy for Justice on an International Stage While it is widely understood that the XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) predominantly handles disputes between states, its overarching mission is to uphold principles of international law, including those enshrined in the XXXX XXXX of XXXX Rights ( XXXX ) and other globally recognized frameworks. The systemic failures, negligence, and retaliatory actions by Equifax, XXXX, and XXXX could, under certain conditions, attract attention within this international legal context due to their far-reaching consequences. \n\nXXXX. Acknowledgment of ICJ Jurisdiction The ICJs primary jurisdiction is to resolve disputes between states and interpret international treaties. It does not directly adjudicate individual complaints against private corporations or entities. However, when systemic negligence by corporations affects fundamental human rights or violates international norms, states themselves may take an interest in such cases, especially if : The violations impact their citizens ( e.g., as in the case of data breaches involving global consumers ). \n\nThe actions of these corporations undermine international frameworks such as the XXXX, XXXX Guidelines, or XXXX. \n\n\nXXXX. Demonstrating Global Impact and Negligence The actions of these CRAs, particularly their : Data breaches, which exposed millions of individuals to identity theft globally, Failure to maintain accurate data, undermining consumer financial opportunities, Retaliatory practices and systemic negligence,... are not just localized U.S. issues but reflect a broader global failure in protecting data privacy, consumer rights, and financial dignity. These are concerns that extend beyond borders and could warrant international scrutiny. \n\n\nXXXX. Framework for Strategic Escalation While direct appeal to the XXXX might not be immediately actionable, the following strategies could potentially bring international attention to these systemic failures : Collaboration with International Advocacy Groups : Partnering with organizations focused on privacy rights and financial justice to raise awareness about the global implications of these CRAs ' actions. \n\nLeveraging International Oversight Mechanisms : Invoking guidelines and principles outlined by bodies like the XXXX, XXXX XXXX XXXX of the High Commissioner for Human Rights ( XXXX ), and XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX \n\nEncouraging XXXX XXXX : XXXX whose citizens are affected by these systemic failures might find grounds to pursue a case if violations of international treaties or agreements are evident. \n\n\nXXXX. The Principle of Accountability on a Global Stage By failing to safeguard sensitive data, uphold accuracy, and prevent retaliation, these CRAs have not only violated U.S. laws but also undermined the universal principles of fairness, justice, and privacy. These are fundamental human rights recognized globally, and systemic violations of this magnitude demand accountability. \n\nWhile a direct XXXX appeal may not currently fall within its jurisdiction, the scale of these violationsspanning multiple countries and impacting millionswarrants consideration by relevant state actors and global oversight organizations. \n\nXXXX. A XXXX Reminder to the CRAs This is a message not only to advocate for justice but to remind the CRAs that : Consumers are increasingly aware of their rights and avenues for justice, both domestically and internationally. \n\nEvery negligent action has ripple effects that can trigger broader oversight and scrutiny. \n\nIgnoring systemic violations can escalate into a global issue, and the consequences of such escalation may extend far beyond financial penalties. \n\n\nThe XXXX XXXX XXXX XXXX XXXXXXXX ) : To highlight the economic barriers your practices have imposed on aspiring entrepreneurs. \n\nThe XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : To address the suppression of trade and economic opportunities resulting from your failures. \n\n\nYour systemic negligence and violations are not just a domestic issuethey are a global crisis. \n\n-- - 5. A Moral and Legal Imperative Your actions violate both moral principles and legal obligations, undermining the foundational values of justice and fairness. \n\nMoral Principles The Golden Rule, as taught by XXXX XXXX, commands : So in everything, do to others what you would have them do to you, for this sums up the Law and the Prophets. ( XXXX XXXX ) Would you tolerate having your financial stability systematically eroded, your aspirations obstructed, and your grievances ignored? XXXX being trapped in a cycle of frustration and harm caused by those entrusted with safeguarding your rights exercising fairness as prescribed in FCRA Laws & Regulations. \n\nLegal Obligations In addition to violating moral principles, your actions also contravene domestic and international laws, including but not limited to : 15 USC 1681e ( b ) : Failing to ensure the maximum possible accuracy of credit reports.\n\n15 USC 1681i ( a ) : Ignoring your obligation to investigate and correct disputes.\n\n15 USC 1681n and 1681o : Demonstrating willful and negligent noncompliance with federal statutes. \n\nXXXX XXXX of XXXX Rights ( XXXX ) : Articles XXXX and XXXX, protecting individuals from arbitrary interference with privacy and ensuring their right to own and control property. \n\n\nBy disregarding these legal mandates, you have inflicted measurable harm on my financial stability, credibility, and well-being. These failures constitute not only a dereliction of duty but also a breach of trust that can not go unanswered. \n\nThe Intersection of Morality and Law Both moral and legal frameworks demand that you act with integrity, fairness, and accountability. Your actions, however, reflect a blatant disregard for these principles, perpetuating harm instead of providing the protections you are legally and ethically bound to uphold. \n\nXXXX. Proposed Resolutions To restore fairness and justice, I demand the following actions : XXXX. XXXX XXXX and XXXX : Permanently delete all inaccuracies from my credit report. \n\n\nXXXX. Transparency and Accountability : Provide a full explanation of methodologies and scoring algorithms used. \n\nReverse retaliatory score changes. \n\n\nXXXX. Compensation for Damages : Financial reparations for increased interest rates, denied opportunities, and emotional distress. \n\n\nXXXX. Compliance with Global Standards : Align your practices with XXXX, XXXX, and other international standards. \n\n\nXXXX. XXXX and XXXX : Independent audits to ensure future compliance with laws and regulations. \n\nStrategic Escalation : A Stand Against Modern Tyranny Throughout history, the struggle for fairness and justice has often required standing up to those in power who abuse their authority. The Founders, in their declaration against XXXX XXXX XXXX XXXX, expressed a sentiment that resonates profoundly with my situation : When a long train of abuses and usurpations, pursuing invariably the same Object, evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security. \n\nFor years, I have endured the consequences of your systemic failuresyour willful negligence in addressing data breaches, your retaliatory manipulation of my credit score, and your blatant disregard for accuracy and accountability. These actions mirror the oppressive behavior of XXXX XXXX, who ignored the grievances of the colonists, suppressed their aspirations, and violated their inherent rights. \n\nYour actions are no different. By obstructing my access to fair credit, you have systematically eroded my financial stability, hindered my ability to pursue entrepreneurial aspirations, and denied me the opportunity to build a better future for myself and my family. \n\n-- - The Founders Principles and Your Violations The Founders envisioned a nation where life, liberty, and the pursuit of happiness would be inalienable rights. Your systemic negligence and retaliatory practices directly contravene these ideals by : Suppressing My Pursuit of Happiness : By maintaining false accounts and suppressing my credit score, you have obstructed my ability to pursue a stable financial future and launch my business. \n\nEroding My XXXX XXXX : Your inaction has trapped me in a cycle of financial instability, preventing me from achieving independence. \n\nEndangering My Economic Life : Data breaches exposing sensitive information have put my personal and financial security at risk, subjecting me to identity theft and other long-term consequences. \n\n\nJust as the Founders stood against the tyranny of XXXX XXXX, I will not tolerate the continued abuses of power and negligence by your organizations. \n\n\n-- - My Entrepreneurial Vision : A Story of Aspiration Blocked by Tyranny I have spent years crafting a business plan to launch an e-commerce venture that offers diverse, high-quality products to consumers. My vision is one of innovation, economic independence, and a brighter future for my family. Yet, your systemic failures have kept me shackled, denying me access to fair credit opportunities and the resources I need to bring this dream to life. \n\nYour actions have placed unnecessary obstacles in my path, delaying my progress and diminishing my ability to contribute meaningfully to my community and the economy. By suppressing my financial credibility, you are not only violating my rights but also hindering a legitimate opportunity to succeed and thrive. \n\n-- - Strategic Escalation : If You Fail to Act Responsibly As far I am aware this section may be Relevant mostly to XXXX because of its XXXX Physical Presence. Or I may be wrong as the saying goes \" you don't know, what you don't know! '' While I am prepared to escalate this matter to domestic and international authorities, I must emphasize that this step will only be necessary if you fail to rectify your gross, willful negligent errors. Your refusal to take responsibility leaves me no choice but to pursue all available avenues to demand accountability, including : XXXX. Engagement with XXXX Authorities Filing complaints with the XXXX XXXX XXXX XXXX ( XXXX ) and the XXXX XXXX XXXX XXXX ( XXXX ) regarding Experians XXXX violations and systemic failures. \n\nWhile the XXXX XXXX XXXX XXXX ( XXXX ) focuses on enforcing the XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) to protect the data privacy and rights of individuals across XXXX, the actions of the CRAsincluding multiple catastrophic data breachesstand in stark contrast to these principles. \n\nAs my case primarily concerns the XXXX operations of Equifax, XXXX, and XXXX, their catastrophic data breaches and systemic negligence have global implications, including violations of principles enforced under the General Data Protection Regulation ( GDPR ). These breaches compromised sensitive data of millions worldwide, including potentially XXXX residents, and reflect a failure to meet the basic standards of accountability demanded by the international community. \n\nNegligence and Breaches : Over the years, Equifax, XXXX, and XXXX have repeatedly failed to safeguard sensitive personal data, compromising the privacy of millions worldwide. \n\nSystemic Malpractice : In addition to breaches, these agencies have engaged in retaliatory practices, false reporting, and a blatant disregard for consumer rightsviolations that conflict with XXXX core principles of transparency, accountability, and fairness. \n\n\nThe XXXX Connection : XXXX  Headquarters in XXXX, XXXX It is important to note that XXXX global headquarters are located in XXXX, XXXX. This places XXXX directly under the jurisdiction of the GDPR, enforced by the XXXX XXXX XXXX XXXX ( XXXX ) in coordination with the XXXX. \n\nThis XXXX connection is significant because : XXXX. XXXX Obligations : As a European-headquartered company, XXXX must XXXX data accuracy, protect personal data, and honor consumer rights globally, including in the United States XXXX \n\n\nXXXX. Cross-Border Implications : The data breaches and systemic negligence exhibited by XXXX have global consequences, impacting not only XXXX citizens but also individuals in XXXX and beyond. \n\nStrategic Escalation Given Experians XXXX ties, I am prepared to explore the following actions : Engaging XXXX Authorities : Submitting detailed complaints to the XXXX XXXX XXXX XXXX and the XXXX, emphasizing Experians systemic failures and violations of XXXX principles. \n\nPartnering with Advocacy Groups : Collaborating with privacy and consumer protection organizations in XXXX to amplify this issue on a global stage. \n\nLeveraging Public Awareness : Raising awareness of Experians malpractice in XXXX, where XXXX enforcement is robust and consumer rights are prioritized. \n\n\nThe CRAs must recognize that their actions have global repercussions, and their negligence can not be shielded by national borders. I will take every available avenueboth domestic and internationalto ensure accountability and justice. \n\nXXXX. Collaboration with Global Advocacy Groups Partnering with privacy and consumer rights organizations to amplify the global implications of your negligence. \n\n\nXXXX. XXXX XXXX XXXX XXXX media campaigns to expose your actions in XXXX and the XXXX, leveraging XXXX enforcement standards to highlight your systemic failures. \n\n\nXXXX. Exploration of Legal Avenues Investigating opportunities for collective legal action and state-level interventions to hold your organizations accountable. \n\nXXXX. A XXXX XXXX to the CRAs This section is a reminder to Equifax, XXXX, and XXXX that : The standards of accountability and responsibility are not limited by borders. \n\nContinued systemic negligence and failure to comply with globally recognized data protection principles could escalate to international oversight. \n\nConsumers like me are prepared to advocate for justice on a global scale, ensuring their actions face scrutiny beyond U.S. jurisdiction.\n\n-- - A Final Warning : Justice Will Prevail The Founders fought to secure the rights to life, liberty, and the pursuit of happiness for every individual. Your actions betray these principles, echoing the oppressive practices of XXXX XXXX. \n\nThis is your final opportunity to : Acknowledge your gross, willful negligence. \n\nRectify the harm you have caused by removing false accounts, correcting inaccuracies, and restoring my credit score. \n\nDemonstrate accountability by implementing meaningful reforms to prevent future harm. \n\n\nFailure to act responsibly will result in swift escalation, invoking the authority of domestic and international oversight bodies to ensure justice is served. My resolve is unwavering, and I will not rest until accountability is achieved. \n\n-- - XXXX. A Closing Call for Justice : The Time for Accountability is Now Your systemic negligence, retaliatory actions, and deliberate obstruction of my rights have created a ripple effect of harm, not only to my family and me but also to the very principles upon which this nation and the global community are built. \n\nYour actions are not isolated failuresthey are a betrayal of Gods Word, the Declaration of Independence, and the fundamental values enshrined in international human rights laws. You have willfully suppressed my ability to rise above adversity, stifling my potential to provide for my family, contribute to my community, and achieve the prosperity promised by the pursuit of happiness. \n\nThis is more than a personal grievance. It is a call for systemic change and immediate accountability. If decisive action is not taken to rectify the profound harm caused, I will have no choice but to escalate this matter to : XXXX. The XXXX for XXXX XXXX and XXXX ( XXXX ). Guidelines for Multinational Enterprises : These guidelines address corporate responsibility, including fair business practices and transparency. \n\n\nXXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Particularly its focus on privacy as a human right. \n\nXXXX. The XXXX XXXX XXXX of the High Commissioner for Human Rights ( XXXX ). \n\n\nXXXX. XXXX XXXX XXXX ( XXXX ) : If systemic corporate actions are seen as barriers to trade or economic opportunities. \n\n\nXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) : A global network that coordinates consumer protection enforcement. \n\nXXXX. XXXX XXXX XXXX of the High Commissioner for Human Rights ( XXXX ) : Oversees the enforcement of international human rights treaties, including the XXXX XXXX of XXXX Rights ( XXXX ). \n\nViolations of Article XXXX ( Right to Privacy ) or Article XXXX ( Right to Work and Economic Opportunities ) Your institutions tyranny will not go unchecked. Every delay in resolving these injustices compounds the harm done, further solidifying your position as enablers of systemic inequality and suppression. The era of unaccountability is over. \n\nI demand that you : Take immediate corrective action to address the systemic failures outlined in this letter. \n\nProvide a public acknowledgment of the harm caused by your negligence and retaliatory practices. \n\nImplement reforms to ensure no other consumer endures the hardships you have inflicted upon me. \n\n\nTo quote the Declaration of Independence : When a long train of abuses and usurpations, pursuing invariably the same Object evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security. \n\nYour tyranny has gone unchecked for too long. The time for accountability, transparency, and reform is now. \n\nFailure to act decisively will be met with immediate escalation to all appropriate national and international authorities & the Media. The world is watching. \n\n\nYour actions have violated laws, rights, and ethics. The time to restore justice is now. The world is watching. \n\nSincerely, XXXX","date_sent_to_company":"2025-01-21T08:41:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02125","tags":null,"has_narrative":true,"complaint_id":"11604280","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-21T08:41:07.000Z","state":"MA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Endangering My Economic Life : Data breaches exposing sensitive information <em>have</em> put my personal and financial <em>security</em> at risk, subjecting me to identity theft and other long-term consequences."]},"sort":[3.6704135,"11604280"]},{"_index":"complaint-public-v1","_id":"11605481","_score":3.6694176,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : A Demand for Justice : Rectifying Systemic Failures and Violations of Domestic and International Laws To : EXPERIAN, XXXX and XXXX To whom it may concern, Dear human being, My fellow human! \" In the beginning XXXX created the heavens and the earth. ( XXXX XXXX, XXXX ) This foundational truth sets the principles of justice, fairness, and accountability that govern all humanity. So XXXX created mankind in His own image, in the image of XXXX He created them ; male and female He created them. ( XXXX XXXX, XXXX ) From these divine principles arise the ideals enshrined in the Declaration of Independence, which asserts : We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, XXXX, and the pursuit of Happiness. \n\nFor over XXXX years, your actions have stood in direct opposition to these principles. Through systemic negligence, retaliation, and failure to address your own errors, you have : Suppressed my ability to achieve financial independence. \n\nTarnished my reputation and credibility. \n\nDenied me the opportunity to pursue entrepreneurial aspirations that could transform my life and benefit my community. \n\n\nThis letter is not a requestit is a demand for immediate corrective action. \n\n\n-- - 1. Systemic Negligence : Catastrophic Data Breaches and Their Consequences 1.1 Catastrophic Data Breaches Your institutions have consistently failed to protect sensitive consumer data, resulting in catastrophic breaches : XXXX ( XXXX ) : Exposed the personal data of XXXX XXXX Americans, including Social Security numbers, birth dates, and financial details. \n\nExperian ( XXXX ) : Compromised sensitive information of millions globally, further exposing consumers to fraud and exploitation. \n\nXXXX ( XXXX ) : Continued this pattern of failure, leaking sensitive financial data and further eroding public trust. \n\n\nThese breaches are not mere accidentsthey are the result of systemic failures to maintain adequate security protocols. \n\n\n-- - 1.2 My Terrible Personal Experience as a Result of the Real-World Consequences of Your Data Breaches Your failure to protect sensitive consumer data has wreaked havoc on my life in ways I never imagined. The catastrophic breaches at your institutions didnt just compromise my financial informationthey shattered my trust in a system thats supposed to safeguard my future. \n\nFraudulent Accounts and Data Misuse I cant even count the number of times Ive stared at my credit report in shock and disbelief. Over XXXX to XXXX derogatory accounts? Accounts Ive never opened, never authorized, and certainly never benefited from. These fraudulent accounts sat there, ruining my financial reputation, while you stood idly by multiple requests for you to take corrective actions yet you only made it worse. \n\nAnd it doesnt stop there. More than XXXX hard inquiries? How is that even possible? Each one of those inquiries chipped away at my Consumer Credit report credentials and score, making it harder and harder for me to access fair financial opportunities. These werent my actions. These were your mistakes. Yet Ive been the one suffering the consequences, year after year.\n\nEvery time I saw another inquiry or a suspicious account appear, I ask myself : Why wasnt this stopped? Why wasnt I protected? Your negligence didnt just expose meit made me a target. Its not just frustratingits infuriating.\n\nFalse Address Listings To make matters worse, throughout the years different addresses of places that never visit nevermind living were placed on my Consumer Credit report recently I discovered on a my Consumer credit report from a third party a falsely listed as my previous address : XXXX XXXX XXXX, XXXX XXXX, MA XXXX, a place Ive never lived and never even heard of. Do you know what it feels like to have your identity tangled in errors like this? Its humiliating, confusing, and downright terrifying. \n\nThis false address didnt just undermine my credibilityit opened the door to even more fraud. Ive had to live with the constant fear of what might happen next, all because you couldnt manage the information youre entrusted with. \n\nXXXX XXXX XXXX in Retaliation And then theres the retaliation. On the early morning of XX/XX/XXXX approximately XXXX XXXX  I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), exercising my right to hold you accountable. Less than XXXX Hours later, around XXXX to XXXX XXXX  again a third party credit monitoring that I use informed that my credit score dropped XXXX pointsfor no legitimate reason. Its impossible to see this as anything other than deliberate retaliation. \n\nYour actions have left me trapped in a cycle of frustration, fear, and financial instability. Ive done everything in my power to correct your mistakes, but your systemic failures and blatant disregard for accountability have made that nearly impossible. \n\n-- - 2. Retaliation : A Modern-Day XXXX Your retaliatory practices mirror the XXXX  of XXXX  XXXX XXXX XXXX whose oppressive actions prompted the American Revolution. The Founders fought against : Arbitrary Penalties : Just as XXXX  XXXX imposed unjust taxes, you manipulate credit scores to penalize consumers without justification than exercising their rights safeguarded by Law & Order.\n\nIgnored Grievances : Like the King dismissing colonists petitions, you have repeatedly throughout the years ignored my disputes and grievances blatantly refusing to take corrective actions to fix the wrong you have immensely contributed to cause harm to my financial well-being. \n\nSuppressed Economic Freedom : By obstructing my financial independence, you echo the Kings restrictions on XXXX trade and prosperity. \n\n-- - XXXX. Obstructing Entrepreneurial Aspirations : A Vision Delayed by Negligence 3.1 My Vision for a Transformative E-Commerce & Multiple other Financial Business Ventures in different Industries I have a clear and ambitious vision : to establish a thriving e-commerce business that provides innovative, high-quality products to a global audience. My business is not just about profitits about creating a sustainable and impactful enterprise that contributes to local and international economies throughout the world after all I, a person who not only read or studied the whole XXXX for hundreds of time but by the Grace of the XXXX XXXX of the Heavens and the Earth YAHWEH through XXXX XXXX the Master Worker by XXXX XXXX XXXX XXXX XXXX XXXX XXXX 'S XXXX Powerful, Magnificent, Awe-inspiring, Holy XXXX copied the whole XXXX from XXXX XXXX to Re XXXX without missing a day in span of 5 years straight starting in the year XXXX Completely Finishing in the XXXX must not be selfish and must work for the well-being of his fellow men throughout the the earth. \n\nIn reality, your systemic, calculated tyranny throughout the years has cost me not hundreds of thousands but Millions of Dollars if not Billions of Dollars most certainly irreparable damages and lots of stressful moments pulling my hair out specially when checking my Consumer Credit report and Credit score and see all the XXXX Unauthorized corrupted inquiries and Unauthorized corrupted accounts listed there on my Consumer Credit report, that I didn't even had easy access as most people, because throughout the years you have consistently and systemically blocked and suppressed my access to my Consumer Credit report and Credit score and used all kinds dirty tactical moves to not only prevent but barr not only me but also multiple Credit Repair Agencies that I have hired throughout the years to help me, trying to clean up the mess that you caused me to suffer from. \n\nBusiness Plan Overview : 1. Core Business Model : Niche Focus : Targeting [ specific niche, e.g., sustainable fashion, health and wellness products, or tech accessories ] to meet growing consumer demand.\n\nProduct Differentiation : Offering unique, eco-friendly, and ethically sourced products that stand out in a competitive market.\n\n2. Market Strategy : Leveraging digital marketing tools like search engine optimization ( SEO ), social media advertising, and email campaigns to drive traffic and sales.\n\nExpanding to international markets through partnerships with reliable logistics providers.\n\n3. Growth Potential : Year 1 : Launching the online platform, achieving initial sales milestones, and building a loyal customer base.\n\nYear 2 : Scaling operations through targeted marketing campaigns and product line expansion.\n\nYear 3 and Beyond : Establishing brick-and-mortar locations in strategic regions while reinvesting profits into community, local & International-focused initiatives to Contribute Financially to different Non profit Organizations throughout the earth.\n\n4. Social Responsibility : Committing to eco-friendly practices by using sustainable packaging and reducing the businesss carbon footprint.\n\nSupporting community programs that empower underprivileged individuals through education and employment opportunities.\n\n3.2 The Systemic Harm Blocking My Vision Your actions have systematically undermined my ability to bring this and other visions to life. Specifically : 1. Denial of Access to Capital : Due to inaccuracies and unauthorized hard inquiries on my credit report, lenders view my credit profile as unreliable. As a result, I have been repeatedly denied funding, making it impossible to cover essential startup costs such as inventory, technology, and marketing.\n\n2. Loss of Credibility : The fraudulent accounts and false address listings on my report have tarnished my reputation with financial institutions, further stifling my access to critical resources.\n\n3. Delays That Compound Over Time : Each day your negligence persists is another day I am unable to move forward. These delays have not only derailed my business timeline but have also caused missed opportunities to partner with suppliers, secure competitive pricing, and establish a foothold in the market.\n\n4. Emotional and Financial Toll : Your failures have caused immense emotional distress, forcing me to repeatedly throughout the years dispute gross negligent errors instead of focusing on growing my business. This diversion of time and resources has directly hindered my ability to provide financial stability for my family.\n\n-- - 3.3 The Ripple Effect of Suppression Your actions dont just harm methey harm the community and the world economy that would benefit from my businesses Ventures both Locally & Internationally : Job Creation : By obstructing my progress, you have denied local talent the opportunity to find stable employment.\n\nEconomic Contribution : My e-commerce business has the potential to generate significant economic activity, from supplier partnerships to customer spending Globally.\n\nInnovation Stifled : By delaying my vision, you have stifled the introduction of unique products and services that could positively impact consumers lives.\n\n-- - 3.4 A Vision That Preservers Despite the Odds Despite the systemic harm through the years that youve caused, my resolve remains unwavering. My business plan is ready to be executed, but your gross negligence and retaliatory actions have erected barriers that no entrepreneur should face. It is your obligation to : 1. Correct the inaccuracies in my consumer credit report.\n\n2. Reverse retaliatory actions that have unjustly suppressed my creditworthiness.\n\n3. Ensure transparency and accountability to restore my financial reputation and enable me to pursue my vision without further delays.\n\nYour failure to act is not just a personal affrontit is a violation of the principles of fairness, equality and the right to property and opportunity enshrined in domestic and international laws.\n\n-- - 4. Violations of Global and Domestic Laws 4.1 Universal Human Rights Violations Your actions violate the principles enshrined in the Universal Declaration of Human Rights ( UDHR ) : Article 1 : Undermines my inherent dignity and right to equality.\n\nArticle 12 : Constitutes arbitrary interference with my privacy and reputation.\n\n4.2 GDPR Violations Your handling of sensitive consumer data violates the General Data Protection Regulation ( GDPR ), which mandates transparency, accountability, and the protection of consumer information.\n\n4.3 Fair Credit Reporting Act ( FCRA ) Violations Your actions contravene multiple provisions of the FCRA, including : 15 USC 1681e ( b ) : Failure to maintain reasonable accuracy.\n\n15 USC 1681i ( a ) : Refusal to investigate and correct errors within the required timeframe.\n\n4.4 Additional International Authorities To ensure accountability, I reserve the right to escalate this matter to the following global entities : The Organization for Economic Cooperation and Development ( OECD ) : To address systemic failures in consumer data protection.\n\nThe International Criminal Police Organization ( Interpol ) : For oversight of cross-border data breaches and fraudulent activities.\n\nThe International Court of Justice ( ICJ ) : For violations of universal human rights and negligence impacting global citizens.\n\nArticle Section : Strategic Advocacy for Justice on an International Stage While it is widely understood that the International Court of Justice ( ICJ ) predominantly handles disputes between states, its overarching mission is to uphold principles of international law, including those enshrined in the Universal Declaration of Human Rights ( UDHR ) and other globally recognized frameworks. The systemic failures, negligence, and retaliatory actions by XXXX, Experian, and XXXX could, under certain conditions, attract attention within this international legal context due to their far-reaching consequences. \n\nXXXX. Acknowledgment of ICJ Jurisdiction The ICJs primary jurisdiction is to resolve disputes between states and interpret international treaties. It does not directly adjudicate individual complaints against private corporations or entities. However, when systemic negligence by corporations affects fundamental human rights or violates international norms, states themselves XXXX take an interest in such cases, especially if : The violations impact their citizens ( e.g., as in the case of data breaches involving global consumers ).\n\nThe actions of these corporations undermine international frameworks such as the UDHR, OECD Guidelines, or GDPR.\n\n2. Demonstrating Global Impact and Negligence The actions of these CRAs, particularly their : Data breaches, which exposed millions of individuals to identity theft globally, Failure to maintain accurate data, undermining consumer financial opportunities, Retaliatory practices and systemic negligence,... are not just localized U.S. issues but reflect a broader global failure in protecting data privacy, consumer rights, and financial dignity. These are concerns that extend beyond borders and could warrant international scrutiny.\n\n3. Framework for Strategic Escalation While direct appeal to the ICJ might not be immediately actionable, the following strategies could potentially bring international attention to these systemic failures : Collaboration with International Advocacy Groups : Partnering with organizations focused on privacy rights and financial justice to raise awareness about the global implications of these CRAs ' actions.\n\nLeveraging International Oversight Mechanisms : Invoking guidelines and principles outlined by bodies like the OECD, United Nations Office of the High Commissioner for Human Rights ( OHCHR ), and International Consumer Protection and Enforcement Network ( ICPEN ).\n\nEncouraging State-Level Engagement : States whose citizens are affected by these systemic failures might find grounds to pursue a case if violations of international treaties or agreements are evident.\n\n4. The Principle of Accountability on a Global Stage By failing to safeguard sensitive data, uphold accuracy, and prevent retaliation, these CRAs have not only violated U.S. laws but also undermined the universal principles of fairness, justice, and privacy. These are fundamental human rights recognized globally, and systemic violations of this magnitude demand accountability.\n\nWhile a direct ICJ appeal may not currently fall within its jurisdiction, the scale of these violationsspanning multiple countries and impacting millionswarrants consideration by relevant state actors and global oversight organizations.\n\n5. A Tactical Reminder to the CRAs This is a message not only to advocate for justice but to remind the CRAs that : Consumers are increasingly aware of their rights and avenues for justice, both domestically and internationally. \n\nEvery negligent action has ripple effects that can trigger broader oversight and scrutiny. \n\nIgnoring systemic violations can escalate into a global issue, and the consequences of such escalation may extend far beyond financial penalties. \n\n\nThe XXXX XXXX  XXXX ( XXXX ) : To highlight the economic barriers your practices have imposed on aspiring entrepreneurs. \n\nThe United Nations Commission on International Trade Law ( UNCITRAL ) : To address the suppression of trade and economic opportunities resulting from your failures.\n\nYour systemic negligence and violations are not just a domestic issuethey are a global crisis.\n\n-- - 5. A Moral and Legal Imperative Your actions violate both moral principles and legal obligations, undermining the foundational values of justice and fairness. \n\nMoral Principles The Golden Rule, as taught by XXXX XXXX, commands : So in everything, do to others what you would have them do to you, for this sums up the Law and the Prophets. ( XXXX XXXX ) Would you tolerate having your financial stability systematically eroded, your aspirations obstructed, and your grievances ignored? Imagine being trapped in a cycle of frustration and harm caused by those entrusted with safeguarding your rights exercising fairness as prescribed in FCRA Laws & Regulations. \n\nLegal Obligations In addition to violating moral principles, your actions also contravene domestic and international laws, including but not limited to : 15 USC 1681e ( b ) : Failing to ensure the maximum possible accuracy of credit reports.\n\n15 USC 1681i ( a ) : Ignoring your obligation to investigate and correct disputes.\n\n15 USC 1681n and 1681o : Demonstrating willful and negligent noncompliance with federal statutes.\n\nUniversal Declaration of Human Rights ( UDHR ) : Articles 12 and 17, protecting individuals from arbitrary interference with privacy and ensuring their right to own and control property. \n\n\nBy disregarding these legal mandates, you have inflicted measurable harm on my financial stability, credibility, and well-being. These failures constitute not only a dereliction of duty but also a breach of trust that can not go unanswered. \n\nThe Intersection of Morality and Law Both moral and legal frameworks demand that you act with integrity, fairness, and accountability. Your actions, however, reflect a blatant disregard for these principles, perpetuating harm instead of providing the protections you are legally and ethically bound to uphold. \n\n6. Proposed Resolutions To restore fairness and justice, I demand the following actions : 1. Comprehensive Audit and Rectification : Permanently delete all inaccuracies from my credit report.\n\n2. Transparency and Accountability : Provide a full explanation of methodologies and scoring algorithms used.\n\nReverse retaliatory score changes.\n\n3. Compensation for Damages : Financial reparations for increased interest rates, denied opportunities, and emotional distress.\n\n4. Compliance with Global Standards : Align your practices with GDPR, UDHR, and other international standards.\n\n5. Oversight and Reform : Independent audits to ensure future compliance with laws and regulations.\n\nStrategic Escalation : A Stand Against Modern Tyranny Throughout history, the struggle for fairness and justice has often required standing up to those in power who abuse their authority. The Founders, in their declaration against XXXX XXXX XXXX XXXX, expressed a sentiment that resonates profoundly with my situation : When a long train of abuses and usurpations, pursuing invariably the same Object, evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security. \n\nFor years, I have endured the consequences of your systemic failuresyour willful negligence in addressing data breaches, your retaliatory manipulation of my credit score, and your blatant disregard for accuracy and accountability. These actions mirror the oppressive behavior of XXXX XXXX, who ignored the grievances of the colonists, suppressed their aspirations, and violated their inherent rights. \n\nYour actions are no different. By obstructing my access to fair credit, you have systematically eroded my financial stability, hindered my ability to pursue entrepreneurial aspirations, and denied me the opportunity to build a better future for myself and my family. \n\n-- - The Founders Principles and Your Violations The Founders envisioned a nation where life, liberty, and the pursuit of happiness would be inalienable rights. Your systemic negligence and retaliatory practices directly contravene these ideals by : Suppressing My Pursuit of Happiness : By maintaining false accounts and suppressing my credit score, you have obstructed my ability to pursue a stable financial future and launch my business. \n\nEroding My XXXX XXXX : Your inaction has trapped me in a cycle of financial instability, preventing me from achieving independence. \n\nEndangering My Economic Life : Data breaches exposing sensitive information have put my personal and financial security at risk, subjecting me to identity theft and other long-term consequences. \n\n\nJust as the Founders stood against the XXXX  of XXXX XXXX, I will not tolerate the continued abuses of power and negligence by your organizations. \n\n\n-- - My Entrepreneurial Vision : A Story of Aspiration Blocked by Tyranny I have spent years crafting a business plan to launch an XXXX venture that offers diverse, high-quality products to consumers. My vision is XXXX of innovation, economic independence, and a brighter future for my family. Yet, your systemic failures have kept me shackled, denying me access to fair credit opportunities and the resources I need to bring this dream to life. \n\nYour actions have placed unnecessary obstacles in my path, delaying my progress and diminishing my ability to contribute meaningfully to my community and the economy. By suppressing my financial credibility, you are not only violating my rights but also hindering a legitimate opportunity to succeed and thrive. \n\n-- - Strategic Escalation : If You Fail to Act Responsibly As far I am aware this section may be Relevant mostly to Experian because of its European Physical Presence. Or I may be wrong as the saying goes \" you don't know, what you don't know! '' While I am prepared to escalate this matter to domestic and international authorities, I must emphasize that this step will only be necessary if you fail to rectify your gross, willful negligent errors. Your refusal to take responsibility leaves me no choice but to pursue all available avenues to demand accountability, including : 1. Engagement with European Authorities Filing complaints with the Irish Data Protection Commission ( DPC ) and the European Data Protection Board ( EDPB ) regarding Experians GDPR violations and systemic failures.\n\nWhile the European Data Protection Board ( EDPB ) focuses on enforcing the General Data Protection Regulation ( GDPR ) to protect the data privacy and rights of individuals across Europe, the actions of the CRAsincluding multiple catastrophic data breachesstand in stark contrast to these principles.\n\nAs my case primarily concerns the U.S.-based operations of XXXX, Experian, and XXXX, their catastrophic data breaches and systemic negligence have global implications, including violations of principles enforced under the General Data Protection Regulation ( GDPR ). These breaches compromised sensitive data of millions worldwide, including potentially XXXX residents, and reflect a failure to meet the basic standards of accountability demanded by the international community. \n\nNegligence and Breaches : Over the years, XXXX, Experian, and XXXX have repeatedly failed to safeguard sensitive personal data, compromising the privacy of millions worldwide. \n\nSystemic Malpractice : In addition to breaches, these agencies have engaged in retaliatory practices, false reporting, and a blatant disregard for consumer rightsviolations that conflict with GDPRs core principles of transparency, accountability, and fairness. \n\n\nThe European Connection : Experians Headquarters in XXXX, XXXX It is important to note that Experians global headquarters are located in XXXX, XXXX. This places Experian directly under the jurisdiction of the GDPR, enforced by the Irish Data Protection Commission ( DPC ) in coordination with the EDPB.\n\nThis European connection is significant because : 1. GDPR Obligations : As a European-headquartered company, Experian must ensure data accuracy, protect personal data, and honor consumer rights globally, including in the United States .\n\n2. Cross-Border Implications : The data breaches and systemic negligence exhibited by Experian have global consequences, impacting not only U.S. citizens but also individuals in Europe and beyond.\n\nStrategic Escalation Given Experians European ties, I am prepared to explore the following actions : Engaging European Authorities : Submitting detailed complaints to the Irish Data Protection Commission and the EDPB, emphasizing Experians systemic failures and violations of GDPR principles. \n\nPartnering with Advocacy Groups : Collaborating with privacy and consumer protection organizations in Europe to amplify this issue on a global stage.\n\nLeveraging Public Awareness : Raising awareness of Experians malpractice in Europe, where GDPR enforcement is robust and consumer rights are prioritized.\n\nThe CRAs must recognize that their actions have global repercussions, and their negligence can not be shielded by national borders. I will take every available avenueboth domestic and internationalto ensure accountability and justice.\n\n2. Collaboration with Global Advocacy Groups Partnering with privacy and consumer rights organizations to amplify the global implications of your negligence.\n\n3. Public Awareness Campaigns Launching media campaigns to expose your actions in XXXX and the XXXX, leveraging GDPR enforcement standards to highlight your systemic failures.\n\n4. Exploration of Legal Avenues Investigating opportunities for collective legal action and state-level interventions to hold your organizations accountable.\n\n4. A Tactical Signal to the CRAs This section is a reminder to XXXX, Experian, and XXXX that : The standards of accountability and responsibility are not limited by borders. \n\nContinued systemic negligence and failure to comply with globally recognized data protection principles could escalate to international oversight. \n\nConsumers like me are prepared to advocate for justice on a global scale, ensuring their actions face scrutiny beyond U.S. jurisdiction.\n\n-- - A Final Warning : Justice Will Prevail The Founders fought to secure the rights to life, liberty, and the pursuit of happiness for every individual. Your actions betray these principles, echoing the oppressive practices of XXXX XXXX. \n\nThis is your final opportunity to : Acknowledge your gross, willful negligence. \n\nRectify the harm you have caused by removing false accounts, correcting inaccuracies, and restoring my credit score. \n\nDemonstrate accountability by implementing meaningful reforms to prevent future harm. \n\n\nFailure to act responsibly will result in swift escalation, invoking the authority of domestic and international oversight bodies to ensure justice is served. My resolve is unwavering, and I will not rest until accountability is achieved. \n\n-- - XXXX. A Closing Call for Justice : The Time for Accountability is Now Your systemic negligence, retaliatory actions, and deliberate obstruction of my rights have created a ripple effect of harm, not only to my family and me but also to the very principles upon which this nation and the global community are built. \n\nYour actions are not isolated failuresthey are a betrayal of XXXX  XXXX, the Declaration of Independence, and the fundamental values enshrined in international human rights laws. You have willfully suppressed my ability to rise above adversity, stifling my potential to provide for my family, contribute to my community, and achieve the prosperity promised by the pursuit of happiness.\n\nThis is more than a personal grievance. It is a call for systemic change and immediate accountability. If decisive action is not taken to rectify the profound harm caused, I will have no choice but to escalate this matter to : 1. The Organization for Economic Cooperation and Development ( OECD ). Guidelines for Multinational Enterprises : These guidelines address corporate responsibility, including fair business practices and transparency.\n\n2. United Nations Human Rights Council ( UNHRC ) : Particularly its focus on privacy as a human right.\n\n3. The United Nations Office of the High Commissioner for Human Rights ( OHCHR ).\n\n4. World Trade Organization ( WTO ) : If systemic corporate actions are seen as barriers to trade or economic opportunities.\n\n5. International Consumer Protection and Enforcement Network ( ICPEN ) : A global network that coordinates consumer protection enforcement.\n\n6. United Nations Office of the High Commissioner for Human Rights ( OHCHR ) : Oversees the enforcement of international human rights treaties, including the Universal Declaration of Human Rights ( UDHR ).\n\nViolations of Article 12 ( Right to Privacy ) or Article 23 ( Right to Work and Economic Opportunities ) Your institutions tyranny will not go unchecked. Every delay in resolving these injustices compounds the harm done, further solidifying your position as enablers of systemic inequality and suppression. The era of unaccountability is over.\n\nI demand that you : Take immediate corrective action to address the systemic failures outlined in this letter. \n\nProvide a public acknowledgment of the harm caused by your negligence and retaliatory practices. \n\nImplement reforms to ensure no other consumer endures the hardships you have inflicted upon me. \n\n\nTo quote the Declaration of Independence : When a long train of abuses and usurpations, pursuing invariably the same Object evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security. \n\nYour tyranny has gone unchecked for too long. The time for accountability, transparency, and reform is now. \n\nFailure to act decisively will be met with immediate escalation to all appropriate national and international authorities & the Media. The world is watching. \n\n\nYour actions have violated laws, rights, and ethics. The time to restore justice is now. The world is watching. \n\nSincerely, XXXX","date_sent_to_company":"2025-01-21T08:40:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"02125","tags":null,"has_narrative":true,"complaint_id":"11605481","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-21T08:18:04.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Endangering My Economic Life : Data breaches exposing sensitive information <em>have</em> put my personal and financial <em>security</em> at risk, subjecting me to identity theft and other long-term consequences."]},"sort":[3.6694176,"11605481"]},{"_index":"complaint-public-v1","_id":"11604283","_score":3.662778,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : A Demand for Justice : Rectifying Systemic Failures and Violations of Domestic and International Laws To : XXXX, TransUnion and XXXX To whom it may concern, Dear human being, My fellow human! \" In the beginning XXXX  created the heavens and the earth. ( XXXX XXXX, XXXX ) This foundational truth sets the principles of justice, fairness, and accountability that govern all humanity. So XXXX  created mankind in His own image, in the image of XXXX  He created them ; male and female He created them. ( XXXX XXXX, XXXX ) From these divine principles arise the ideals enshrined in the Declaration of Independence, which asserts : We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty, and the pursuit of Happiness.\n\nFor over XXXX  years, your actions have stood in direct opposition to these principles. Through systemic negligence, retaliation, and failure to address your own errors, you have : Suppressed my ability to achieve financial independence. \n\nTarnished my reputation and credibility. \n\nDenied me the opportunity to pursue entrepreneurial aspirations that could transform my life and benefit my community. \n\n\nThis letter is not a requestit is a demand for immediate corrective action. \n\n\n-- - XXXX. Systemic Negligence : Catastrophic Data Breaches and Their Consequences 1.1 Catastrophic Data Breaches Your institutions have consistently failed to protect sensitive consumer data, resulting in catastrophic breaches : XXXX ( XXXX ) : Exposed the personal data of XXXX XXXX Americans, including Social Security numbers, birth dates, and financial details. \n\nXXXX ( XXXX ) : Compromised sensitive information of millions globally, further exposing consumers to fraud and exploitation. \n\nTransUnion ( XXXX ) : Continued this pattern of failure, leaking sensitive financial data and further eroding public trust. \n\n\nThese breaches are not mere accidentsthey are the result of systemic failures to maintain adequate security protocols. \n\n\nXXXX XXXX XXXX My Terrible Personal Experience as a Result of the Real-World Consequences of Your Data Breaches Your failure to protect sensitive consumer data has wreaked havoc on my life in ways I never imagined. The catastrophic breaches at your institutions didnt just compromise my financial informationthey shattered my trust in a system thats supposed to safeguard my future. \n\nFraudulent Accounts and Data Misuse I cant even count the number of times Ive stared at my credit report in shock and disbelief. Over XXXX  to XXXX derogatory accounts? Accounts Ive never opened, never authorized, and certainly never benefited from. These fraudulent accounts sat there, ruining my financial reputation, while you stood idly by multiple requests for you to take corrective actions yet you only made it worse. \n\nAnd it doesnt stop there. More than XXXX  hard inquiries? How is that even possible? Each one of those inquiries chipped away at my Consumer Credit report credentials and score, making it harder and harder for me to access fair financial opportunities. These werent my actions. These were your mistakes. Yet Ive been the one suffering the consequences, year after year. \n\nEvery time I saw another inquiry or a suspicious account appear, I ask myself : Why wasnt this stopped? Why wasnt I protected? Your negligence didnt just expose meit made me a target. Its not just frustratingits infuriating. \n\nFalse Address Listings To make matters worse, throughout the years different addresses of places that never visit nevermind living were placed on my Consumer Credit report recently I discovered on a my Consumer credit report from a third party a falsely listed as my previous address : XXXX XXXX XXXX, XXXX XXXX, MA XXXX, a place Ive never lived and never even heard of. Do you know what it feels like to have your identity tangled in errors like this? Its humiliating, confusing, and downright terrifying. \n\nThis false address didnt just undermine my credibilityit opened the door to even more fraud. Ive had to live with the constant fear of what might happen next, all because you couldnt manage the information youre entrusted with. \n\nManipulated Credit Scores in Retaliation And then theres the retaliation. On the early XXXX  of XX/XX/XXXX approximately XXXX XXXX  I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), exercising my right to hold you accountable. Less than XXXX  Hours later, around XXXXXXXX XXXX XXXX XXXX again a third party credit monitoring that I use informed that my credit score dropped XXXX pointsfor no legitimate reason. Its impossible to see this as anything other than deliberate retaliation. \n\nYour actions have left me trapped in a cycle of frustration, fear, and financial instability. Ive done everything in my power to correct your mistakes, but your systemic failures and blatant disregard for accountability have made that nearly impossible. \n\nXXXX XXXX XXXX. Retaliation : A Modern-Day Tyranny Your retaliatory practices mirror the XXXX XXXX XXXX XXXX XXXX XXXX whose  oppressive actions prompted the XXXX XXXX. The Founders fought against : Arbitrary Penalties : Just as XXXX XXXXXXXX imposed unjust taxes, you manipulate credit scores to penalize consumers without justification than exercising their rights safeguarded by Law & Order.\n\nIgnored Grievances : Like the XXXX dismissing colonists petitions, you have repeatedly throughout the years ignored my disputes and grievances blatantly refusing to take corrective actions to fix the wrong you have immensely contributed to cause harm to my financial well-being. \n\nSuppressed Economic Freedom : By obstructing my financial independence, you echo the Kings restrictions on colonial trade and prosperity. \n\n-- - XXXX. Obstructing Entrepreneurial Aspirations : A Vision Delayed by Negligence XXXX My Vision for a Transformative E-Commerce & Multiple other Financial Business Ventures in different Industries I have a clear and ambitious vision : to establish a thriving e-commerce business that provides innovative, high-quality products to a global audience. My business is not just about profitits about creating a sustainable and impactful enterprise that contributes to local and international economies throughout the world after all I, a person who not only read or studied the whole Bible for hundreds of time but by the Grace of the Almighty Creator of the Heavens and the Earth XXXX  through XXXX XXXX the Master Worker by virtue of His Great GRAND Majesty XXXXXXXX XXXX Majestic Powerful, Magnificent, Awe-inspiring, Holy Spirit copied the whole XXXX  from XXXX XXXX  to XXXX XXXX without missing a day in span of XXXX years straight starting in the year XXXX Completely Finishing in the XXXX must not be selfish and must work for the well-being of his fellow men throughout the the earth. \n\nIn reality, your systemic, calculated tyranny throughout the years has cost me not hundreds of thousands but Millions of Dollars if not Billions of Dollars most certainly irreparable damages and lots of stressful moments pulling my hair out specially when checking my Consumer Credit report and Credit score and see all the XXXX Unauthorized corrupted inquiries and Unauthorized corrupted accounts listed there on my Consumer Credit report, that I didn't even had easy access as most people, because throughout the years you have consistently and systemically blocked and suppressed my access to my Consumer Credit report and Credit score and used all kinds dirty tactical moves to not only prevent but barr not only me but also multiple Credit Repair Agencies that I have hired throughout the years to help me, trying to clean up the mess that you caused me to suffer from. \n\nBusiness Plan Overview : XXXX. Core Business Model : XXXX XXXX : Targeting [ specific niche, e.g., sustainable fashion, health and wellness products, or tech accessories ] to meet growing consumer demand. \n\nProduct Differentiation : Offering unique, eco-friendly, and ethically sourced products that stand out in a competitive market. \n\n\nXXXX. Market Strategy : Leveraging digital marketing tools like search engine optimization ( SEO ), social media advertising, and email campaigns to drive traffic and sales. \n\nExpanding to international markets through partnerships with reliable logistics providers. \n\n\nXXXX. Growth Potential : Year XXXX : Launching the online platform, achieving initial sales milestones, and building a loyal customer base. \n\nYear XXXX : Scaling operations through targeted marketing campaigns and product line expansion. \n\nYear XXXX and Beyond : Establishing brick-and-mortar locations in strategic regions while reinvesting profits into community, local & International-focused initiatives to Contribute Financially to different Non profit Organizations throughout the earth. \n\n\nXXXX. Social Responsibility : Committing to eco-friendly practices by using sustainable packaging and reducing the businesss carbon footprint. \n\nSupporting community programs that empower underprivileged individuals through education and employment opportunities. \n\n\nXXXX The Systemic Harm Blocking My Vision Your actions have systematically undermined my ability to bring this and other visions to life. Specifically : XXXX. Denial of Access to Capital : Due to inaccuracies and unauthorized hard inquiries on my credit report, lenders view my credit profile as unreliable. As a result, I have been repeatedly denied funding, making it impossible to cover essential startup costs such as inventory, technology, and marketing. \n\n\nXXXX. Loss of Credibility : The fraudulent accounts and false address listings on my report have tarnished my reputation with financial institutions, further stifling my access to critical resources. \n\n\nXXXX. Delays That Compound Over Time : Each day your negligence persists is another day I am unable to move forward. These delays have not only derailed my business timeline but have also caused missed opportunities to partner with suppliers, secure competitive pricing, and establish a foothold in the market. \n\n\nXXXX. Emotional and Financial Toll : Your failures have caused immense emotional distress, forcing me to repeatedly throughout the years dispute gross negligent errors instead of focusing on growing my business. This diversion of time and resources has directly hindered my ability to provide financial stability for my family. \n\nXXXX XXXX XXXX The Ripple Effect of Suppression Your actions dont just harm methey harm the community and the world economy that would benefit from my businesses Ventures both Locally & Internationally : Job Creation : By obstructing my progress, you have denied local talent the opportunity to find stable employment. \n\nEconomic Contribution : My e-commerce business has the potential to generate significant economic activity, from supplier partnerships to customer spending Globally.\n\nInnovation Stifled : By delaying my vision, you have stifled the introduction of unique products and services that could positively impact consumers lives. \n\nXXXX XXXX XXXX A Vision That Preservers Despite the Odds Despite the systemic harm through the years that youve caused, my resolve remains unwavering. My business plan is ready to be executed, but your gross negligence and retaliatory actions have erected barriers that no entrepreneur should face. It is your obligation to : XXXX. Correct the inaccuracies in my consumer credit report. \n\n\nXXXX. Reverse retaliatory actions that have unjustly suppressed my creditworthiness. \n\n\nXXXX. Ensure transparency and accountability to restore my financial reputation and enable me to pursue my vision without further delays. \n\n\n\nYour failure to act is not just a personal affrontit is a violation of the principles of fairness, equality and the right to property and opportunity enshrined in domestic and international laws. \n\nXXXX XXXX XXXX Violations of Global and Domestic Laws XXXX Universal Human Rights Violations Your actions violate the principles enshrined in the Universal Declaration of Human Rights ( UDHR ) : Article XXXX : Undermines my inherent dignity and right to equality. \n\nXXXX XXXX : Constitutes arbitrary interference with my privacy and reputation. \n\n\nXXXX GDPR Violations Your handling of sensitive consumer data violates the General Data Protection Regulation ( GDPR ), which mandates transparency, accountability, and the protection of consumer information. \n\nXXXX Fair Credit Reporting Act ( FCRA ) Violations Your actions contravene multiple provisions of the FCRA, including : 15 USC 1681e ( b ) : Failure to maintain reasonable accuracy.\n\n15 USC 1681i ( a ) : Refusal to investigate and correct errors within the required timeframe. \n\nXXXX Additional International Authorities To ensure accountability, I reserve the right to escalate this matter to the following global entities : The Organization for Economic Cooperation and Development ( OECD ) : To address systemic failures in consumer data protection.\n\nThe International Criminal Police Organization ( Interpol ) : For oversight of cross-border data breaches and fraudulent activities. \n\nThe International Court of Justice ( ICJ ) : For violations of universal human rights and negligence impacting global citizens. \n\nArticle Section : Strategic Advocacy for Justice on an International Stage While it is widely understood that the International Court of Justice ( ICJ ) predominantly handles disputes between states, its overarching mission is to uphold principles of international law, including those enshrined in the Universal Declaration of Human Rights ( UDHR ) and other globally recognized frameworks. The systemic failures, negligence, and retaliatory actions by XXXX, XXXX, and TransUnion could, under certain conditions, attract attention within this international legal context due to their far-reaching consequences. \n\nXXXX. Acknowledgment of ICJ Jurisdiction The ICJs primary jurisdiction is to resolve disputes between states and interpret international treaties. It does not directly adjudicate individual complaints against private corporations or entities. However, when systemic negligence by corporations affects fundamental human rights or violates international norms, states themselves may take an interest in such cases, especially if : The violations impact their citizens ( e.g., as in the case of data breaches involving global consumers ). \n\nThe actions of these corporations undermine international frameworks such as the XXXX, XXXX Guidelines, or XXXX. \n\n\nXXXX. Demonstrating Global Impact and Negligence The actions of these CRAs, particularly their : Data breaches, which exposed millions of individuals to identity theft globally, Failure to maintain accurate data, undermining consumer financial opportunities, Retaliatory practices and systemic negligence,... are not just localized U.S. issues but reflect a broader global failure in protecting data privacy, consumer rights, and financial dignity. These are concerns that extend beyond borders and could warrant international scrutiny. \n\n\nXXXX. Framework for Strategic Escalation While direct appeal to the ICJ might not be immediately actionable, the following strategies could potentially bring international attention to these systemic failures : Collaboration with International Advocacy Groups : Partnering with organizations focused on privacy rights and financial justice to raise awareness about the global implications of these CRAs ' actions. \n\nLeveraging International Oversight Mechanisms : Invoking guidelines and principles outlined by bodies like the 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\nEncouraging State-Level Engagement : States whose citizens are affected by these systemic failures might find grounds to pursue a case if violations of international treaties or agreements are evident. \n\n\n4. The Principle of Accountability on a Global Stage By failing to safeguard sensitive data, uphold accuracy, and prevent retaliation, these CRAs have not only violated U.S. laws but also undermined the universal principles of fairness, justice, and privacy. These are fundamental human rights recognized globally, and systemic violations of this magnitude demand accountability.\n\nWhile a direct XXXX  appeal may not currently fall within its jurisdiction, the scale of these violationsspanning multiple countries and impacting millionswarrants consideration by relevant state actors and global oversight organizations. \n\nXXXX. A Tactical Reminder to the CRAs This is a message not only to advocate for justice but to remind the CRAs that : Consumers are increasingly aware of their rights and avenues for justice, both domestically and internationally. \n\nEvery negligent action has ripple effects that can trigger broader oversight and scrutiny. \n\nIgnoring systemic violations can escalate into a global issue, and the consequences of such escalation may extend far beyond financial penalties. \n\n\nXXXX XXXX XXXX  XXXX XXXX XXXXXXXX ) : To highlight the economic barriers your practices have imposed on aspiring entrepreneurs. \n\nXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : To address the suppression of trade and economic opportunities resulting from your failures. \n\n\nYour systemic negligence and violations are not just a domestic issuethey are a global crisis. \n\n-- - 5. A Moral and Legal Imperative Your actions violate both moral principles and legal obligations, undermining the foundational values of justice and fairness. \n\nMoral Principles The Golden Rule, as taught by XXXX XXXX, commands : So in everything, do to others what you would have them do to you, for this sums up the Law and the Prophets. ( XXXX XXXX ) Would you tolerate having your financial stability systematically eroded, your aspirations obstructed, and your grievances ignored? Imagine being trapped in a cycle of frustration and harm caused by those entrusted with safeguarding your rights exercising fairness as prescribed in FCRA Laws & Regulations.\n\nLegal Obligations In addition to violating moral principles, your actions also contravene domestic and international laws, including but not limited to : 15 USC 1681e ( b ) : Failing to ensure the maximum possible accuracy of credit reports.\n\n15 USC 1681i ( a ) : Ignoring your obligation to investigate and correct disputes.\n\n15 USC 1681n and 1681o : Demonstrating willful and negligent noncompliance with federal statutes. \n\nXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Articles XXXX and XXXX, protecting individuals from arbitrary interference with privacy and ensuring their right to own and control property. \n\n\nBy disregarding these legal mandates, you have inflicted measurable harm on my financial stability, credibility, and well-being. These failures constitute not only a dereliction of duty but also a breach of trust that can not go unanswered. \n\nThe Intersection of Morality and Law Both moral and legal frameworks demand that you act with integrity, fairness, and accountability. Your actions, however, reflect a blatant disregard for these principles, perpetuating harm instead of providing the protections you are legally and ethically bound to uphold. \n\nXXXX. Proposed Resolutions To restore fairness and justice, I demand the following actions : XXXX. Comprehensive Audit and Rectification : Permanently delete all inaccuracies from my credit report. \n\n\nXXXX. Transparency and Accountability : Provide a full explanation of methodologies and scoring algorithms used. \n\nReverse retaliatory score changes. \n\n\nXXXX. Compensation for Damages : Financial reparations for increased interest rates, denied opportunities, and emotional distress. \n\n\nXXXX. Compliance with Global Standards : Align your practices with XXXX, XXXX, and other international standards. \n\n\nXXXX. Oversight and Reform : Independent audits to ensure future compliance with laws and regulations. \n\nStrategic Escalation : A Stand Against Modern Tyranny Throughout history, the struggle for fairness and justice has often required standing up to those in power who abuse their authority. The Founders, in their declaration against XXXX XXXX XXXX XXXX, expressed a sentiment that resonates profoundly with my situation : When a long train of abuses and usurpations, pursuing invariably the same Object, evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security. \n\nFor years, I have endured the consequences of your systemic failuresyour willful negligence in addressing data breaches, your retaliatory manipulation of my credit score, and your blatant disregard for accuracy and accountability. These actions mirror the oppressive behavior of XXXX XXXX, who ignored the grievances of the colonists, suppressed their aspirations, and violated their inherent rights. \n\nYour actions are no different. By obstructing my access to fair credit, you have systematically eroded my financial stability, hindered my ability to pursue entrepreneurial aspirations, and denied me the opportunity to build a better future for myself and my family. \n\n-- - The Founders Principles and Your Violations The Founders envisioned a nation where life, liberty, and the pursuit of happiness would be inalienable rights. Your systemic negligence and retaliatory practices directly contravene these ideals by : Suppressing My Pursuit of Happiness : By maintaining false accounts and suppressing my credit score, you have obstructed my ability to pursue a stable financial future and launch my business. \n\nEroding My Financial Liberty : Your inaction has trapped me in a cycle of financial instability, preventing me from achieving independence. \n\nEndangering My Economic Life : Data breaches exposing sensitive information have put my personal and financial security at risk, subjecting me to identity theft and other long-term consequences. \n\n\nJust as the Founders stood against the tyranny of XXXX XXXX, I will not tolerate the continued abuses of power and negligence by your organizations. \n\n\n-- - My Entrepreneurial Vision : A Story of Aspiration Blocked by Tyranny I have spent years crafting a business plan to launch an e-commerce venture that offers diverse, high-quality products to consumers. My vision is one of innovation, economic independence, and a brighter future for my family. Yet, your systemic failures have kept me shackled, denying me access to fair credit opportunities and the resources I need to bring this dream to life. \n\nYour actions have placed unnecessary obstacles in my path, delaying my progress and diminishing my ability to contribute meaningfully to my community and the economy. By suppressing my financial credibility, you are not only violating my rights but also hindering a legitimate opportunity to succeed and thrive. \n\n-- - Strategic Escalation : If You Fail to Act Responsibly As far I am aware this section may be Relevant mostly to XXXX because of its European Physical Presence. Or I may be wrong as the saying goes \" you don't know, what you don't know! '' While I am prepared to escalate this matter to domestic and international authorities, I must emphasize that this step will only be necessary if you fail to rectify your gross, willful negligent errors. Your refusal to take responsibility leaves me no choice but to pursue all available avenues to demand accountability, including : XXXX. Engagement with European Authorities Filing complaints with the Irish Data Protection Commission ( DPC ) and the European Data Protection Board ( EDPB ) regarding Experians GDPR violations and systemic failures.\n\nWhile the European Data Protection Board ( EDPB ) focuses on enforcing the General Data Protection Regulation ( GDPR ) to protect the data privacy and rights of individuals across Europe, the actions of the CRAsincluding multiple catastrophic data breachesstand in stark contrast to these principles. \n\nAs my case primarily concerns the U.S.-based operations of XXXX, XXXX, and TransUnion, their catastrophic data breaches and systemic negligence have global implications, including violations of principles enforced under the General Data Protection Regulation ( GDPR ). These breaches compromised sensitive data of millions worldwide, including potentially EU residents, and reflect a failure to meet the basic standards of accountability demanded by the international community. \n\nNegligence and Breaches : Over the years, XXXX, XXXX, and TransUnion have repeatedly failed to safeguard sensitive personal data, compromising the privacy of millions worldwide. \n\nSystemic Malpractice : In addition to breaches, these agencies have engaged in retaliatory practices, false reporting, and a blatant disregard for consumer rightsviolations that conflict with GDPRs core principles of transparency, accountability, and fairness.\n\nThe European Connection XXXX XXXX Headquarters in XXXX, XXXX It is important to note that XXXX global headquarters are located in XXXX, XXXX. This places XXXX directly under the jurisdiction of the XXXX  enforced by the XXXX Data Protection Commission ( DPC ) in coordination with the XXXX. \n\nThis European connection is significant because : XXXX. GDPR Obligations : As a European-headquartered company, XXXX must ensure data accuracy, protect personal data, and honor consumer rights globally, including in the United States XXXX \n\n\nXXXX Cross-Border Implications : The data breaches and systemic negligence exhibited by XXXX  have global consequences, impacting not only U.S. citizens but also individuals in Europe and beyond. \n\nStrategic Escalation Given Experians European ties, I am prepared to explore the following actions : Engaging European Authorities : Submitting detailed complaints to the XXXX Data Protection Commission and the EDPB, emphasizing Experians systemic failures and violations of GDPR principles. \n\nPartnering with Advocacy Groups : Collaborating with privacy and consumer protection organizations in XXXX to amplify this issue on a global stage. \n\nLeveraging Public Awareness : Raising awareness of Experians malpractice in XXXX, where XXXX enforcement is robust and consumer rights are prioritized. \n\n\nThe CRAs must recognize that their actions have global repercussions, and their negligence can not be shielded by national borders. I will take every available avenueboth domestic and internationalto ensure accountability and justice. \n\nXXXX. Collaboration with Global Advocacy Groups Partnering with privacy and consumer rights organizations to amplify the global implications of your negligence. \n\n\nXXXX. Public Awareness Campaigns Launching media campaigns to expose your actions in Europe and the U.S., leveraging GDPR enforcement standards to highlight your systemic failures. \n\n\nXXXX. Exploration of Legal Avenues Investigating opportunities for collective legal action and state-level interventions to hold your organizations accountable. \n\nXXXX. A Tactical Signal to the CRAs This section is a reminder to XXXX, XXXX, and TransUnion that : The standards of accountability and responsibility are not limited by borders. \n\nContinued systemic negligence and failure to comply with globally recognized data protection principles could escalate to international oversight. \n\nConsumers like me are prepared to advocate for justice on a global scale, ensuring their actions face scrutiny beyond U.S. jurisdiction. \n\n-- - A Final Warning : Justice Will Prevail The Founders fought to secure the rights to life, liberty, and the pursuit of happiness for every individual. Your actions betray these principles, echoing the oppressive practices of XXXX XXXX. \n\nThis is your final opportunity to : Acknowledge your gross, willful negligence. \n\nRectify the harm you have caused by removing false accounts, correcting inaccuracies, and restoring my credit score.\n\nDemonstrate accountability by implementing meaningful reforms to prevent future harm. \n\n\nFailure to act responsibly will result in swift escalation, invoking the authority of domestic and international oversight bodies to ensure justice is served. My resolve is unwavering, and I will not rest until accountability is achieved. \n\n-- - XXXX. A Closing Call for Justice : The Time for Accountability is Now Your systemic negligence, retaliatory actions, and deliberate obstruction of my rights have created a ripple effect of harm, not only to my family and me but also to the very principles upon which this nation and the global community are built. \n\nYour actions are not isolated failuresthey are a betrayal of XXXX  Word, the Declaration of Independence, and the fundamental values enshrined in international human rights laws. You have willfully suppressed my ability to rise above adversity, stifling my potential to provide for my family, contribute to my community, and achieve the prosperity promised by the pursuit of happiness. \n\nThis is more than a personal grievance. It is a call for systemic change and immediate accountability. If decisive action is not taken to rectify the profound harm caused, I will have no choice but to escalate this matter to : XXXX. The Organization for Economic Cooperation and Development ( OECD ). Guidelines for Multinational Enterprises : These guidelines address corporate responsibility, including fair business practices and transparency. \n\n\nXXXX. United Nations Human Rights Council ( UNHRC ) : Particularly its focus on privacy as a human right. \n\nXXXX. The United Nations Office of the High Commissioner for Human Rights ( OHCHR ). \n\n\nXXXX. World Trade Organization ( WTO ) : If systemic corporate actions are seen as barriers to trade or economic opportunities. \n\n\nXXXX International Consumer Protection and Enforcement Network ( ICPEN ) : A global network that coordinates consumer protection enforcement. \n\nXXXX. United Nations Office of the High Commissioner for Human Rights ( OHCHR ) : Oversees the enforcement of international human rights treaties, including the Universal Declaration of Human Rights ( UDHR ).\n\nViolations of Article XXXX  ( Right to Privacy ) or Article XXXX  ( Right to Work and Economic Opportunities ) Your institutions tyranny will not go unchecked. Every delay in resolving these injustices compounds the harm done, further solidifying your position as enablers of systemic inequality and suppression. The era of unaccountability is over. \n\nI demand that you : Take immediate corrective action to address the systemic failures outlined in this letter. \n\nProvide a public acknowledgment of the harm caused by your negligence and retaliatory practices. \n\nImplement reforms to ensure no other consumer endures the hardships you have inflicted upon me. \n\n\nTo quote the Declaration of Independence : When a long train of abuses and usurpations, pursuing invariably the same Object evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security. \n\nYour tyranny has gone unchecked for too long. The time for accountability, transparency, and reform is now. \n\nFailure to act decisively will be met with immediate escalation to all appropriate national and international authorities & the Media. The world is watching.\n\nYour actions have violated laws, rights, and ethics. The time to restore justice is now. 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