{"took":236,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":31,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12623976","_score":14.669167,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOYOTA MOTOR CREDIT CORP/TOYOTA FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for IRS XXXX XXXX To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX XXXXToyota Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for their XXXX to properly respond to multiple certified correspondences and their failure to provide legally required documentation, specifically the IRS Form XXXX, as they have indicated that my XXXX debt has been XXXX in my credit report. \nXXXX. On or about XX/XX/year>, I sent a formal NOTICE BY WRITTEN COMMUNICATION / SECURITY AGREEMENT to Toyota Financial. This notice was sent via XXXX Mail # XXXX and was delivered on XX/XX/year>, per XXXX XXXX Return Receipt. Toyota Financial did not respond. \nXXXX. On XX/XX/year>, I sent a NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE, via Certified Mail Receipt # XXXX, with XXXX XXXX Return Receipt. Toyota Financial did not respond. \nXXXX. On XX/XX/year>, a subsequent NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE was sent via Certified Mail Receipt # XXXX, through a Notary Public acting as a third-party witness. Toyota Financial failed to respond. \nXXXX. On XX/XX/year>, an AFFIDAVIT OF NOTICE OF DEFAULT was sent to Toyota Financial via Certified Mail Receipt XXXX XXXX This document was served by a XXXX XXXX as a third-party witness. Toyota Financial did not respond, effectively admitting guilt through non-response. \nToyota Financial has failed to provide the legally required IRS XXXX XXXX, which is mandatory if they claim the debt has been XXXX. This failure constitutes a violation of IRS regulations and consumer financial laws. \nThe company has failed to engage in meaningful correspondence to address my dispute, violating consumer protection regulations. \nToyota Financial 's failure to provide the required documentation has harmed me by negatively affecting my credit history and failing to provide transparency regarding my financial records. \nI am DEMANDING the immediate resolution of this matter through the following actions : XXXX. XXXX production of the IRS XXXX XXXX if Toyota Financial has indeed XXXX the alleged debt. \nXXXX. The immediate removal of any negative credit reporting related to this alleged debt from all credit bureaus. \nXXXX. XXXX compensation for damages caused due to Toyota Financials failure to act in good faith, including their lack of response and failure to provide necessary documentation. \nToyota Financial has already exceeded reasonable legal response times, and their continued inaction constitutes bad faith conduct. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure compliance with applicable consumer protection laws. \nI appreciate your prompt attention to this complaint and expect a resolution at the earliest possible date. \nSincerely,","date_sent_to_company":"2025-03-24T16:15:45.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"543XX","tags":null,"has_narrative":true,"complaint_id":"12623976","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2025-03-24T16:02:56.000Z","state":"WI","company_public_response":null,"sub_issue":"Account reinstatement or redemption after repossession"},"highlight":{"complaint_what_happened":["On XX/XX/year>, a subsequent NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE was sent via <em>Certified</em> Mail Receipt # XXXX, through a Notary Public acting as a third-party witness. Toyota Financial failed to respond. \nXXXX. On XX/XX/year>, an <em>AFFIDAVIT</em> OF NOTICE OF DEFAULT was sent to Toyota Financial via <em>Certified</em> Mail Receipt XXXX XXXX This document was <em>served</em> by a XXXX XXXX as a third-party witness."]},"sort":[14.669167,"12623976"]},{"_index":"complaint-public-v1","_id":"3713384","_score":14.342867,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am still having problems with equifax in regards to them reporting my child support on my credit reports. I have submitted paperwork to the consumer financial protection bureau in regards to this as indicated below. \n\nXXXX XXXX XXXX Credit reporting Incorrect information on your report EQUIFAX , INC. XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EQUIFAX XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Incorrect information on your report Equifax Information Services LLC XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting Incorrect information on your report ODHSFRNKLN XX/XX/XXXX Closed Contact another agency XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EQUIFAX , INC. XX/XX/XXXX Closed Marked as a duplicate complaint on XXXX XXXX XXXX Other personal consumer report Problem with a company 's investigation into an existing issue EQUIFAX , INC. XX/XX/XXXX Closed Company responded XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Credit File XX/XX/XXXX Closed Company responded Closed with explanation XXXX XXXX XXXX Credit reporting company 's investigation Equifax Information Services XX/XX/XXXX Closed Company responded Closed with explanation. \n\nEquifax and the ( ODHSFRNKLN ) Ohio department of human services of XXXX  county which reported on my credit report. I received paperwork from equifax that it was deleted of which i was pleased until after i called equifax and the representative on the phone told me that i shows that i owed the alleged reported debt. \n\nI never signed a contract, promissory note, or deed note for their services with child support with ODHSFRNKN including any other service provider for child support services. \n\nI sent them a Certified letter of which they did not respond to. I am seeking for the consumer financial bureau to fine them both XXXX per each violation of my credit for the past 20 years that they have violated my rights under the constitution of the united states of the 4th amendment and also the fair debts collections practices act. \n\nI cant file with the courts due to covid-19 pandemic but i do have full intent to sue both equifax and ODHSFrankn for child support violations of child support enforcement from the state of cailfornia enforcement by which california support enforcement agency, Ohio support enforcement agency, including social security was already served certified affidavits of which they did not respond to. \n\nPlease look at the list of complaints because the complaints contained attachments of documents that i have filed with the consumer protection bureau in regards to this. \n\nI,","date_sent_to_company":"2020-06-24T15:00:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43219","tags":null,"has_narrative":true,"complaint_id":"3713384","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-06-24T14:08:01.000Z","state":"OH","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I cant file with the courts due to covid-19 pandemic but i do have full intent to sue both equifax and ODHSFrankn for child support violations of child support enforcement from the state of cailfornia enforcement by <em>which</em> california support enforcement agency, Ohio support enforcement agency, including social <em>security</em> was <em>already</em> <em>served</em> <em>certified</em> <em>affidavits</em> of <em>which</em> they did not respond to."]},"sort":[14.342867,"3713384"]},{"_index":"complaint-public-v1","_id":"6564070","_score":11.886436,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"FRAUD complaint against XXXX XXXX, Clear Recon Corp, and Aldridge Pite LLP. There are no statute of limitations on Fraud and Fraud vitiates all contracts and everything it touches from the beginning ( United States vs Throckmorton ). After sustaining a few injuries and not being able to work anymore because of a physical disability, Ive been able to read and research more about mortgage fraud happening to me by XXXX XXXX, Clear Recon Corp, and Aldridge Pite LLP. I've been trying to dispute and resolve this since last year and I have attached much of the proof but I have a lot more that I wasn't able to upload here because its a large amount but it's available upon request. I discovered there was never any actual valuable consideration given nor actual loan given. I gradually discovered all this information and that there was a lot of concealment and non-disclosure and Ive seen how fraudulently these companies operate. There are many violations these companies are committing and they are continually reporting negative inaccuracies causing damages to me and damages to my credit reports & public records causing harm and defamation of character violating 15 usc 1681g and 1681a1. They have violated many laws including but not limited to the Privacy Act of 1974, 15 U.S.C. 1681, 15 U.S.C. 1692, the FDCPA Fair Debt Collection Practices Act, the FCRA Fair Credit Reporting Act, RESPA Real Estate Procedures Act, TILA Truth in Lending Act, Regulation Z, & even the highest of laws, including the Maxims of law and Constitutional law. I first sent XXXX XXXX  an email on or about XX/XX/XXXX when the Forbearance period was ending and I got no response. I then sent a certified letter on XX/XX/XXXX requesting validation of debt via certified mail number XXXX. XXXX XXXX  then responded on XX/XX/XXXX, however their attempt to validate the debt did not meet the FDCPA standards. There also was shown a bifurcation/break in the chain of title and the deed did not match the promissory note making the instrument unenforceable yet they are still attempting to foreclose on my home and steal it by filing a Notice of Default in the public records violating FCRA and more. Furthermore, FDCPA codified in 15 USC 1692 stipulates that a debt collector must validate an alleged debt by affidavit, oath or deposition and cease all collection activity until proper validation is provided. XXXX XXXX  failed to cease all negative collection activity and failed to comply with accurate reporting, and further keep violating my rights and are continually reporting negative transactions to the credit bureaus and more. On XX/XX/XXXX, I then sent XXXX XXXX an Affidavit of Truth notarized and titled, Lawful Notice of Affidavit of Truth Conditional Acceptance, with about 50 averments I discovered about mortgages, fraud, unlawful and lawful contracts and more. I served XXXX XXXX  via registered mail through an Administrative Lawful Process, giving them 30 days to respond to my affidavit point by point and according the highest forms of law. Maxims of Law include but are not limited to In Commerce an Unrebutted affidavit stands as truth, and A Declaration after 30 days becomes the final judgment in commerce, and Indeed no more than an affidavit is necessary to make a prima facie case ( United States V Kis, 658 F2d, 526,536 ( 9th cir 1981 ). I sent XXXX XXXX  via Registered mail # XXXX XXXX XXXX  XXXX notarized Affidavit of Truth along with an Estoppel with return signature receipt requested. I received confirmation of receipt in the mail however, there was no response to my affidavit from XXXX XXXX. On XXXX XXXX, via registered mail # XXXX XXXX & XXXX I then gave XXXX XXXX  another chance, in honor, another 10 days to respond and yet they still did not respond to my affidavit & it went unrebutted. They failed to respond to the affidavit altogether therefore tacitly agreeing to all the statements and acquiesced by silence ( see attached ). I then served XXXX XXXX  their final Notice of Default and Dishonor notarized with a True Bill in commerce on XX/XX/XXXX via Registered mail # XXXX XXXXXXXX XXXX XXXXXXXX for over XXXX XXXX dollars in violations of Fraud and more ( see attached ). Silence can only be equated with Fraud when there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading ( U.S. vs Pruden & U.S. V. Twill ) XXXX XXXX  to this day has not responded to any of my affidavits of truth yet continue to criminally trespass on the issued Collateral Estoppel and violate my privacy rights and the laws stated above. On XX/XX/XXXX I responded to a letter that Aldridge Pite LLP, an unauthorized 3rd party sent me, that I did not give my written expressed permission to yet they sent me a letter saying XXXX XXXX  obtained them as Counsel to try to collect information to collect the debt. I responded via certified mail # XXXX letting them know that by operation of Law, XXXX XXXX  has already been put on Notice of Default and Dishonor and are under Collateral Estoppel and are prohibited from any collection activity ; no one, nor third party, can further make a claim as its already Res Judicata on its dispute. Nevertheless, Aldridge Pite LLP continued to criminally trespass on the Estoppel and that as well and sent me another package I received on XX/XX/XXXX that I realized had possibly forged and or fraudulent backdated documents on them. I would like to see the authenticity of those documents, a forensic audit requested may be in order here. Furthermore, if they barely got it transferred in their name in XX/XX/XXXX, how were they sending me and collecting on bills for years before that? A forensic and securitization audit is recommended for proof of all fraud committed. Furthermore they trespassed on the Estoppel I issued XXXX XXXX  on XX/XX/XXXX. Theres so much apparent fraud that needs to be addressed, investigated, audited and looked into here to avoid further violations of my rights, trespass and harm. XXXX XXXX, Aldridge Pite LLP and Clear Recon Corp appeared to have conspired together ( as it can be found Aldridge Pite LLP and Clear Recon Corp share a same address on XXXX XXXX in XXXX XXXX ) They continue to criminally trespass on the issued Estoppel and continually report negative items on all of the credit reports and even public records and are continually issuing threatening foreclosure mail and statements which are in clear violation of FCRA, FDCPA and many of the laws stated above. They further fraudulently filed a Notice of Default on public record XX/XX/XXXX at the XXXX XXXX XXXX records causing me so much emotional stress to me as well as my family and tenants causing harm and defamation of character. They sent out mail to 3 different addresses on XX/XX/XXXX violating my privacy rights and further causing harm. They furthermore keep reporting negative inaccuracies on many 3rd parties and credit reporting agencies including XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX and XXXX. I then further served all 3 companies via registered mail notarized to XXXX XXXX, Clear Recon Corp and Aldridge Pite LLP on XX/XX/XXXX an Affidavit of Truth and Notice to Cease and Desist via Registered mail # XXXX XXXX, XXXXXXXX XXXX XXXXXXXX & I also sent them a copy of my notarized rescission of signatures for Fraud dated XX/XX/XXXX and noting it goes back to anything signed from XX/XX/XXXX to present including rescission of signatures to MERS and XXXX XXXX  and any versions of their changed names or parenting or affiliated companies and or debt collectors ( see attached ) I tried to call XXXX on XX/XX/XXXX to report the Fraud as well to all 3 credit reporting agencies including XXXX and XXXX and they told me they would investigate it but the results just show that it seems verified and if there is identity theft to call the companies because they may not have a phone number to call me, but they all just continue to report inaccurate reporting causing me defamation of character, harm, emotional distress and more and violating the FCRA and the FDCPA. I have a pile of proof of all this evidence but the file was too large to upload here ( available upon request ; I can email it or mail it to you ). They are actually trying to steal my property and put it in foreclosure when they have no lawful or legal standing and the instruments are defective, fraudulent and are unenforceable according to State and Federal law. Their Fraud must be investigated and handled appropriately and their violations must stop immediately. My Constitutional Rights must be protected and furthermore I should be protected by all the laws put in place including at the Federal and State level including FCRA and FDCPA. According to UCC 9-203. ATTACHMENT AND ENFORCEABILITY OF SECURITY INTEREST ; PROCEEDS ; SUPPORTING OBLIGATIONS ; FORMAL REQUISITES ( b ) [ Enforceability. ] Except as otherwise provided in subsections ( c ) through ( i ), a security interest is enforceable against the debtor and third parties with respect to the collateral only if : ( XXXX ) value has been given ; ( no value has been given, no valuable consideration or loan from XXXX XXXX, Clear Recon Corp or Aldridge Pite LLP ) Was the obligor in the mortgage or vehicle consumer credit contract given Valuable Consideration for the Note, Lien from the originator, the beneficiary of the deed of trust, the REMIC depositor or underwriter buyer ( s )?\n\nNo? No valuable consideration or loan was ever given and that was not disclosed to me from the beginning. Theres also apparent Securities Fraud involved that should possibly be investigated by the SEC and or the Attorney General. \nCase should be rested and closed here, no attachment under UCC 9-203 ( a ), no enforceability of the Note under UCC 203 ( b ), by any holder-in-due course or holder or non-holder of the Note, such as servicer, trustee, beneficiary of the deed of trust.\n\nread 'Attachment ' UCC 9-203 UCC 9-203 ( b ) enforcement of a lien against the Debtor only if Valuable Consideration has been given to your Debtor THE NEGOTIABLE INSTRUMENT NOTE BEING FORECLOSED ON HAS FORGED ALTERATION AND THEREFORE, THERE IS AUTOMATIC DISCHARGE OF ANY DEBT. \nIt appears there has been more fraud and possible forgery with the documents they recorded on XX/XX/XXXX at XXXXXXXX XXXX as it appears to be extremely and unusually backdated to XX/XX/XXXX. I would like to see an audit of that Notaries book of signatures and thumbprints and dates and get aknowledgement of verified notary. It was mailed to me on XX/XX/XXXX. They further didnt give me due process, nor 30 days to respond and they quickly filed a Notice of Default on XX/XX/XXXX fraudulently yet it is in public records for all to see and now XXXX shows pre foreclosure and Im emotionally stressed as I'm now getting harassed daily with constant calls, and mail and its going to all 3 different addresses defaming my character and causing much emotional stress to my family, tenants and I, causing harm.\n\nPer Cal. Civil Code section 1700 ( material Alteration ) & Cal Penal Code 496 ( forgery ) and Per UCC 3-407 - ALTERATION Despite the debt being disputed and made Res Judicata by their silence and non-response and tacitally agreeing to my Affidavit of Truth on XX/XX/XXXX along with a placed Estoppel on that date to hault collection activity and reporting ( see attached ), XXXX XXXX , ALDRIDGE PITE LLP AND CLEAR RECON CORP continually criminally trespass on the Estoppel and seemed to have conspired together and acted in dishonor and bad faith without due process and Fraudulently filing. I have further rescinded all signatures, power of attorney, or beneficiary and/or trustee powers to anyone at XXXX XXXX  XXXX Mers, any and all mortgage companies and debt collectors going back to XX/XX/XXXX and forward for Fraud and have provided them a copy as well as have attached it here ( it is dated XXXX ) Therefore, the Notice of Default filed XX/XX/XXXX by a defunct Trustee is NULL and VOID Nunc Pro Tunc as they have no authority or standing to act as a Trustee. \nI would not have signed any of those fraudulent contracts, Deed of Trust, if there was actual full disclosure and as that was sheer trickery played on me. There was no full disclosure and meeting of the minds to the contract agreement. The bank against me the alleged borrower, constructed the contract without me having all of the same information as per the rules of the contract. Therefore there has been a breach of contract. Making all contracts Null and Void. \nDue to the fact there was no meeting of the minds to the contract prior to the signing of the contract, and that the rules of the contract were deceptive in nature and was designed to benefit one party over the other i.e. to the benefit of the Bank who constructed the contract, this is FRAUD by the misrepresentation of a material fact. Through the rules that dictate contract law, and through the Statute of Frauds, there must be a meeting of the minds of the rules governing the contract or the contract is to be deemed null and void. \nFOR ALL THE ABOVE REASONS, THE attempted FORECLOSURE ACTION BY XXXX XXXX, Clear Recon Corp and Aldridge Pite LLP IS WRONGFUL ILLEGAL, HARMFUL AND NULL AND VOID. IT MUST BE TERMINATED IMMEDIATELY AND NOTICE OF DEFAULT RESCINDED. A FULL SATISFACTION OF MORTGAGE AND RECONVEYANCE OF THE DEED MUST BE RECORDED IN XXXX XXXX XXXX WHERE THE PROPERTY IS LOCATED. \nSHOULD THEY CONTINUE WITH THE WRONGFUL AND ILLEGAL FORECLOSURE, THEY WILL BE INVOICED TRIPLE THE AMOUNT THEY ARE FORECLOSING ON IN DAMAGES. \nI WOULD LIKE TO REQUEST CFPB Consumer Financial Protection Bureau TO INVESTIGATE THE FRAUD THAT IS BEING PURPORTED ON CONSUMERS UNDER THE GUISE OF A MORTGAGE AND TAKE APPROPRIATE ACTIONS TO PROTECT THE UNINFORMED CONSUMERS. Thank you for your immediate help and investigation in this matter to protect me and others against all these violations as a federally protected consumer.","date_sent_to_company":"2023-02-14T03:44:38.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91739","tags":"Servicemember","has_narrative":true,"complaint_id":"6564070","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Aldridge Pite, LLP","date_received":"2023-02-14T03:44:30.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I responded via <em>certified</em> mail # XXXX letting them know that by operation of Law, XXXX XXXX  has <em>already</em> been put on Notice of Default and Dishonor and are under Collateral Estoppel and are prohibited from any collection activity ; no one, nor third party, can further make a claim as its <em>already</em> Res Judicata on its dispute."]},"sort":[11.886436,"6564070"]},{"_index":"complaint-public-v1","_id":"6564071","_score":11.875985,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"FRAUD complaint against XXXX XXXX, Clear Recon Corp, and Aldridge Pite LLP. There are no statute of limitations on Fraud and Fraud vitiates all contracts and everything it touches from the beginning ( United States vs Throckmorton ). After sustaining a few injuries and not being able to work anymore because of a physical disability, Ive been able to read and research more about mortgage fraud happening to me by XXXX XXXX, Clear Recon Corp, and Aldridge Pite LLP. I've been trying to dispute and resolve this since last year and I have attached much of the proof but I have a lot more that I wasn't able to upload here because its a large amount but it's available upon request. I discovered there was never any actual valuable consideration given nor actual loan given. I gradually discovered all this information and that there was a lot of concealment and non-disclosure and Ive seen how fraudulently these companies operate. There are many violations these companies are committing and they are continually reporting negative inaccuracies causing damages to me and damages to my credit reports & public records causing harm and defamation of character violating 15 usc 1681g and 1681a1. They have violated many laws including but not limited to the Privacy Act of 1974, 15 U.S.C. 1681, 15 U.S.C. 1692, the FDCPA Fair Debt Collection Practices Act, the FCRA Fair Credit Reporting Act, RESPA Real Estate Procedures Act, TILA Truth in Lending Act, Regulation Z, & even the highest of laws, including the Maxims of law and Constitutional law. I first sent XXXX XXXX  an email on or about XX/XX/XXXX when the Forbearance period was ending and I got no response. I then sent a certified letter on XX/XX/XXXX requesting validation of debt via certified mail number XXXX. XXXX XXXX  then responded on XX/XX/XXXX, however their attempt to validate the debt did not meet the FDCPA standards. There also was shown a bifurcation/break in the chain of title and the deed did not match the promissory note making the instrument unenforceable yet they are still attempting to foreclose on my home and steal it by filing a Notice of Default in the public records violating FCRA and more. Furthermore, FDCPA codified in 15 USC 1692 stipulates that a debt collector must validate an alleged debt by affidavit, oath or deposition and cease all collection activity until proper validation is provided. XXXX XXXX failed to cease all negative collection activity and failed to comply with accurate reporting, and further keep violating my rights and are continually reporting negative transactions to the credit bureaus and more. On XX/XX/XXXX, I then sent XXXX XXXX an Affidavit of Truth notarized and titled, Lawful Notice of Affidavit of Truth Conditional Acceptance, with about 50 averments I discovered about mortgages, fraud, unlawful and lawful contracts and more. I served XXXX XXXX  via registered mail through an Administrative Lawful Process, giving them 30 days to respond to my affidavit point by point and according the highest forms of law. Maxims of Law include but are not limited to In Commerce an Unrebutted affidavit stands as truth, and A Declaration after 30 days becomes the final judgment in commerce, and Indeed no more than an affidavit is necessary to make a prima facie case ( United States V Kis, 658 F2d, 526,536 ( 9th cir 1981 ). I sent XXXX XXXX  via Registered mail # XXXX XXXX & XXXX notarized Affidavit of Truth along with an Estoppel with return signature receipt requested. I received confirmation of receipt in the mail however, there was no response to my affidavit from XXXX XXXX. On XXXX XXXX, via registered mail # XXXX XXXX & XXXX I then gave XXXX XXXX  another chance, in honor, another 10 days to respond and yet they still did not respond to my affidavit & it went unrebutted. They failed to respond to the affidavit altogether therefore tacitly agreeing to all the statements and acquiesced by silence ( see attached ). I then served XXXX XXXX  their final Notice of Default and Dishonor notarized with a True Bill in commerce on XX/XX/XXXX via Registered mail # XXXX XXXX & XXXX for over XXXX XXXX dollars in violations of Fraud and more ( see attached ). Silence can only be equated with Fraud when there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading ( U.S. vs Pruden & U.S. V. Twill XXXX XXXX XXXX  to this day has not responded to any of my affidavits of truth yet continue to criminally trespass on the issued Collateral Estoppel and violate my privacy rights and the laws stated above. On XX/XX/XXXX I responded to a letter that Aldridge Pite LLP, an unauthorized 3rd party sent me, that I did not give my written expressed permission to yet they sent me a letter saying XXXX XXXX  obtained them as Counsel to try to collect information to collect the debt. I responded via certified mail # XXXX letting them know that by operation of Law, XXXX XXXX  has already been put on Notice of Default and Dishonor and are under Collateral Estoppel and are prohibited from any collection activity ; no one, nor third party, can further make a claim as its already XXXX XXXX on its dispute. Nevertheless, Aldridge Pite LLP continued to criminally trespass on the Estoppel and that as well and sent me another package I received on XX/XX/XXXX that I realized had possibly forged and or fraudulent backdated documents on them. I would like to see the authenticity of those documents, a forensic audit requested may be in order here. Furthermore, if they barely got it transferred in their name in XX/XX/XXXX, how were they sending me and collecting on bills for years before that? A forensic and securitization audit is recommended for proof of all fraud committed. Furthermore they trespassed on the Estoppel I issued XXXX XXXX  on XX/XX/XXXX. Theres so much apparent fraud that needs to be addressed, investigated, audited and looked into here to avoid further violations of my rights, trespass and harm. XXXX XXXX, Aldridge Pite LLP and Clear Recon Corp appeared to have conspired together ( as it can be found Aldridge Pite LLP and Clear Recon Corp share a same address on XXXX XXXX in XXXX XXXX ) They continue to criminally trespass on the issued Estoppel and continually report negative items on all of the credit reports and even public records and are continually issuing threatening foreclosure mail and statements which are in clear violation of FCRA, FDCPA and many of the laws stated above. They further fraudulently filed a Notice of Default on public record XX/XX/XXXX at the XXXX XXXX XXXX records causing me so much emotional stress to me as well as my family and tenants causing harm and defamation of character. They sent out mail to 3 different addresses on XX/XX/XXXX violating my privacy rights and further causing harm. They furthermore keep reporting negative inaccuracies on many 3rd parties and credit reporting agencies including XXXX, XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX and XXXX. I then further served all 3 companies via registered mail notarized to XXXX XXXX, Clear Recon Corp and Aldridge Pite LLP on XX/XX/XXXX an Affidavit of Truth and Notice to Cease and Desist via Registered mail # XXXX XXXX, XXXX, & XXXX & I also sent them a copy of my notarized rescission of signatures for Fraud dated XX/XX/XXXX and noting it goes back to anything signed from XX/XX/XXXX to present including rescission of signatures to MERS and XXXX XXXX  and any versions of their changed names or parenting or affiliated companies and or debt collectors ( see attached ) I tried to call XXXX on XX/XX/XXXX to report the Fraud as well to all 3 credit reporting agencies including XXXX and XXXX and they told me they would investigate it but the results just show that it seems verified and if there is identity theft to call the companies because they may not have a phone number to call me, but they all just continue to report inaccurate reporting causing me defamation of character, harm, emotional distress and more and violating the FCRA and the FDCPA. I have a pile of proof of all this evidence but the file was too large to upload here ( available upon request ; I can email it or mail it to you ). They are actually trying to steal my property and put it in foreclosure when they have no lawful or legal standing and the instruments are defective, fraudulent and are unenforceable according to State and Federal law. Their Fraud must be investigated and handled appropriately and their violations must stop immediately. My Constitutional Rights must be protected and furthermore I should be protected by all the laws put in place including at the Federal and State level including FCRA and FDCPA. According to UCC 9-203. ATTACHMENT AND ENFORCEABILITY OF SECURITY INTEREST ; PROCEEDS ; SUPPORTING OBLIGATIONS ; FORMAL REQUISITES ( b ) [ Enforceability. ] Except as otherwise provided in subsections ( c ) through ( i ), a security interest is enforceable against the debtor and third parties with respect to the collateral only if : ( XXXX ) value has been given ; ( no value has been given, no valuable consideration or loan from XXXX XXXX, Clear Recon Corp or Aldridge Pite LLP ) Was the obligor in the mortgage or vehicle consumer credit contract given Valuable Consideration for the Note, Lien from the originator, the beneficiary of the deed of trust, the REMIC depositor or underwriter buyer ( s )? \nNo? No valuable consideration or loan was ever given and that was not disclosed to me from the beginning. Theres also apparent Securities Fraud involved that should possibly be investigated by the SEC and or the Attorney General.\n\nCase should be rested and closed here, no attachment under UCC 9-203 ( a ), no enforceability of the Note under UCC 203 ( b ), by any holder-in-due course or holder or non-holder of the Note, such as servicer, trustee, beneficiary of the deed of trust.\n\nread 'Attachment ' UCC 9-203 UCC 9-203 ( b ) enforcement of a lien against the Debtor only if Valuable Consideration has been given to your Debtor THE NEGOTIABLE INSTRUMENT NOTE BEING FORECLOSED ON HAS FORGED ALTERATION AND THEREFORE, THERE IS AUTOMATIC DISCHARGE OF ANY DEBT.\n\nIt appears there has been more fraud and possible forgery with the documents they recorded on XX/XX/XXXX at XXXX XXXX. as it appears to be extremely and unusually backdated to XX/XX/XXXX. I would like to see an audit of that Notaries book of signatures and thumbprints and dates and get aknowledgement of verified notary. It was mailed to me on XX/XX/XXXX. They further didnt give me due process, nor 30 days to respond and they quickly filed a Notice of Default on XX/XX/XXXX fraudulently yet it is in public records for all to see and now XXXX shows pre foreclosure and Im emotionally stressed as I'm now getting harassed daily with constant calls, and mail and its going to all 3 different addresses defaming my character and causing much emotional stress to my family, tenants and I, causing harm. \nPer Cal. Civil Code section 1700 ( material Alteration ) & Cal Penal Code 496 ( forgery ) and Per UCC 3-407 - ALTERATION Despite the debt being disputed and made Res Judicata by their silence and non-response and tacitally agreeing to my Affidavit of Truth on XX/XX/XXXX along with a placed Estoppel on that date to hault collection activity and reporting ( see attached ), XXXX XXXX  , ALDRIDGE PITE LLP AND CLEAR RECON CORP continually criminally trespass on the Estoppel and seemed to have conspired together and acted in dishonor and bad faith without due process and Fraudulently filing. I have further rescinded all signatures, power of attorney, or beneficiary and/or trustee powers to anyone at XXXX XXXX  , Mers, any and all mortgage companies and debt collectors going back to XX/XX/XXXX and forward for Fraud and have provided them a copy as well as have attached it here ( it is dated XXXX ) Therefore, the Notice of Default filed XX/XX/XXXX by a defunct Trustee is NULL and VOID Nunc Pro Tunc as they have no authority or standing to act as a Trustee. \nI would not have signed any of those fraudulent contracts, Deed of Trust, if there was actual full disclosure and as that was sheer trickery played on me. There was no full disclosure and meeting of the minds to the contract agreement. The bank against me the alleged borrower, constructed the contract without me having all of the same information as per the rules of the contract. Therefore there has been a breach of contract. Making all contracts Null and Void. \nDue to the fact there was no meeting of the minds to the contract prior to the signing of the contract, and that the rules of the contract were deceptive in nature and was designed to benefit one party over the other i.e. to the benefit of the Bank who constructed the contract, this is FRAUD by the misrepresentation of a material fact. Through the rules that dictate contract law, and through the Statute of Frauds, there must be a meeting of the minds of the rules governing the contract or the contract is to be deemed null and void. \nFOR ALL THE ABOVE REASONS, THE attempted FORECLOSURE ACTION BY XXXX XXXX, Clear Recon Corp and Aldridge Pite LLP IS WRONGFUL ILLEGAL, HARMFUL AND NULL AND VOID. IT MUST BE TERMINATED IMMEDIATELY AND NOTICE OF DEFAULT RESCINDED. A FULL SATISFACTION OF MORTGAGE AND RECONVEYANCE OF THE DEED MUST BE RECORDED IN XXXX XXXX XXXX WHERE THE PROPERTY IS LOCATED. \nSHOULD THEY CONTINUE WITH THE WRONGFUL AND ILLEGAL FORECLOSURE, THEY WILL BE INVOICED TRIPLE THE AMOUNT THEY ARE FORECLOSING ON IN DAMAGES. \nI WOULD LIKE TO REQUEST CFPB Consumer Financial Protection Bureau TO INVESTIGATE THE FRAUD THAT IS BEING PURPORTED ON CONSUMERS UNDER THE GUISE OF A MORTGAGE AND TAKE APPROPRIATE ACTIONS TO PROTECT THE UNINFORMED CONSUMERS. Thank you for your immediate help and investigation in this matter to protect me and others against all these violations as a federally protected consumer.","date_sent_to_company":"2023-02-14T03:44:38.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91739","tags":"Servicemember","has_narrative":true,"complaint_id":"6564071","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Aldridge Pite, LLP","date_received":"2023-02-14T03:44:30.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I responded via <em>certified</em> mail # XXXX letting them know that by operation of Law, XXXX XXXX  has <em>already</em> been put on Notice of Default and Dishonor and are under Collateral Estoppel and are prohibited from any collection activity ; no one, nor third party, can further make a claim as its <em>already</em> XXXX XXXX on its dispute."]},"sort":[11.875985,"6564071"]},{"_index":"complaint-public-v1","_id":"12328009","_score":10.953512,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Dispute and Demand for Validation of Debt Under 15 USC 1692g and 1692e To Whom It May Concern, This letter serves as a formal dispute of the alleged debt your agency claims I owe and a demand for validation of said debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692e.\n\nI am requesting that you provide me with the following documents to substantiate your claim : 1. A copy of the **purchase agreement** or **forward flow agreement** that establishes your legal right to collect this alleged debt.\n\n2. A complete and itemized accounting of the alleged debt, showing all payments, interest rates, penalties since the debt originated including the original creditors name, the amount owed, and any fees or interest applied ( not a snapshot ).\n\n3. Proof that this debt was not already discharged, settled, or securitized under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601.\n\n4. The Original Contract with my wet signature on it, the entire payment history thats associated with this account, and proof of ownership showing that I actually owe this alleged debt and agreed to pay the alleged amount. UCC 3-501 ( Demand for Payment & Proof of Authority ) .\n\n5. I demand a sworn affidavit under penalty of perjury, proving your legal standing to collect. Under UCC 3-501, a party demanding payment must provide proper proof and verification of the debts legitimacy. \" Upon demand of the person to whom presentation is made, the person making presentment must ( i ) exhibit the instrument, ( ii ) give reasonable identification and evidence of authority to enforce the instrument if requested, and ( iii ) account for any lack of indorsement. '' Under 15 U.S.C. 1692g, I have the right to request validation of the alleged debt. Until you provide the requested validation, I demand that you : 1. Cease all collection activities, including reporting this debt to credit bureaus under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ( FCRA Violation ).\n\n2. Refrain from contacting me by any means, including phone, email, or mail. Failure to provide the documentation requested will be considered a violation of the FDCPA, and I will not hesitate to report your agency to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my states Attorney General and XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nIf your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. Further, any correspondence, must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. \nAdditionally, 15 U.S.C. 1692e prohibits false, deceptive, or misleading representations in connection with the collection of any debt. 15 U.S.C. 1692f prohibits unfair or unconscionable practices, and Pursuant to Section 807 of the FDCPA, if you are unable to provide the requested documentation, it will be clear that your agency has no legal standing to collect this alleged debt, and your continued attempts to do so will constitute a violation of federal law. \nAs outlined in the FDCPA : You are prohibited from contacting me outside of permissible hours or at inconvenient times and places. You must not engage in harassment, threats, or misrepresentation. You are prohibited from contacting third parties about this debt without my explicit consent. \nThis letter is sent without prejudice to any of my rights, and nothing herein should be construed as an acknowledgment of the alleged debt. I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : 1. Violation of the Fair Credit Reporting Act ( F.C.R.A. ) 2. Violation of the F.D.C.P.A.\n\n3. Defamation of character 4. Use of my copyrighted property 5. Securities Fraud, Identity Theft, Securitized Debt I expect your immediate compliance with this request, and that all future communication regarding this matter be in writing and sent to my address listed above. Failure to provide these documents within 30 days will confirm that you do not have legal standing to collect and that continued collection efforts constitute a violation of : 1. 15 U.S.C. 1692e ( 2 ) ( A ) ( False representation of debt ownership ) 2. 15 U.S.C. 1692f ( 1 ) ( Unfair and unauthorized collection ) 3. UCC 3-501 ( Failure to prove holder in due course status 4. TILA 15 U.S.C. 1641 ( g ) ( Failure to disclose debt transfer ) 5. FRCP 17 ( a ) ( Not the real party in interest ) Under UCC 1-308, UCC 3-501 , and 28 U.S.C. 1746, I hereby demand that any and all correspondence, verification, or validation of the alleged debt be presented in the form of a sworn commercial affidavit, under penalty of perjury. \n\nXXXX. All claims must be sworn and certified under penalty of perjury, as required by 18 U.S.C. 1001.\n\n2. Any communication not sent via certified mail shall be deemed defective upon its face and legally null and void.\n\n3. Any failure to comply with this lawful request shall be considered an intentional misrepresentation of material facts, constituting fraud.\n\nIf you fail to provide a sworn commercial affidavit and verified documentation establishing your legal standing to collect, you will be in violation of : 1. 15 U.S.C. 1692g ( b ) ( Failure to validate debt ) 2. 15 U.S.C. 1692e ( 2 ) ( A ) ( False representation of debt ownership ) 3. 18 U.S.C. 1001 ( Fraudulent misrepresentation ) 4. UCC 3-501 ( Failure to prove holder in due course status ) 5. Restatement ( Third ) of Trusts 35 ( Failure to provide accounting in trust obligations ) If you fail to provide a lawful response in the form of a sworn commercial affidavit within 30 days, you waive all claims and agree that this matter is considered closed and non-collectible.\n\nAlso, Failure to do so will result in my filing formal complaints with the appropriate regulatory agencies and pursuing any and all legal remedies available to me. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records. Any information obtained shall be used for that purpose.\n\n\" A party that, with explicit reservation of rights, performs or promises performance or assents to performance in a manner demanded or offered by the other party does not thereby prejudice the rights reserved. '' UCC 1-308 Reservation of Rights \" Upon demand of the person to whom presentation is made, the person making presentment must ( i ) exhibit the instrument, ( ii ) give reasonable identification and evidence of authority to enforce the instrument if requested, and ( iii ) account for any lack of indorsement. '' UCC 3-501 Presentment of Debt Instruments \" Wherever, under any law of the United States , an affidavit is required, such matter may, with like force and effect, be supported, evidenced, established, or proved by the unsworn declaration ... which is subscribed by him, as true under penalty of perjury. '' 28 U.S.C. 1746 Unsworn Declarations Under Penalty of Perjury \" Whoever, in any matter within the jurisdiction of the executive, legislative, or judicial branch of the Government of the United States, knowingly and willfully ( 1 ) falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; ( 2 ) makes any materially false, fictitious, or fraudulent statement or representation ... shall be fined under this title, imprisoned not more than 5 years, or both. '' 18 U.S.C. 1001 Fraud & False Statements \" Extrinsic evidence of authenticity as a condition precedent to admissibility is not required with respect to the following : Commercial paper, related documents, and notarized affidavits. '' Federal Rule of Evidence 902 ( 9 ) Commercial Affidavit as Self-Authenticating Evidence Sincerely, XXXX : XXXX XXXX  in Fact All Rights Reserved, Without Prejudice, UCC XXXX","date_sent_to_company":"2025-03-05T18:30:31.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"12328009","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-03-05T18:12:54.000Z","state":"CA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Further, any correspondence, must be made in the form of a commercial <em>affidavit</em> under penalty of perjury and sent by <em>certified</em> mail. Any other form of service shall be deemed defective upon its face."]},"sort":[10.953512,"12328009"]},{"_index":"complaint-public-v1","_id":"6564149","_score":10.777441,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"FRAUD complaint against Union Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX. There are no statute of limitations on Fraud and Fraud vitiates all contracts and everything it touches from the beginning ( United States vs Throckmorton ). After sustaining a few XXXX and not being able to work anymore because of a physical XXXX, Ive been able to read and research more about mortgage fraud happening to me by Union Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX. I've been trying to dispute and resolve this since last year and I have attached much of the proof but I have a lot more that I wasn't able to upload here because its a large amount but it's available upon request. I discovered there was never any actual valuable consideration given nor actual loan given. I gradually discovered all this information and that there was a lot of concealment and non-disclosure and Ive seen how fraudulently these companies operate. There are many violations these companies are committing and they are continually reporting negative inaccuracies causing damages to me and damages to my credit reports & public records causing harm and defamation of character violating 15 usc 1681g and 1681a1. They have violated many laws including but not limited to the Privacy Act of 1974, 15 U.S.C. 1681, 15 U.S.C. 1692, the FDCPA Fair Debt Collection Practices Act, the FCRA Fair Credit Reporting Act, RESPA Real Estate Procedures Act, TILA Truth in Lending Act, Regulation Z, & even the highest of laws, including the Maxims of law and Constitutional law. I first sent Union Bank an email on or about XX/XX/XXXX XXXX when the Forbearance period was ending and I got no response. I then sent a certified letter on XXXX XXXX, XXXX requesting validation of debt via certified mail number XXXX. Union Bank then responded on XXXX XXXX, XXXX, however their attempt to validate the debt did not meet the FDCPA standards. There also was shown a bifurcation/break in the chain of title and the deed did not match the promissory note making the instrument unenforceable yet they are still attempting to foreclose on my home and steal it by filing a Notice of Default in the public records violating FCRA and more. Furthermore, FDCPA codified in 15 USC 1692 stipulates that a debt collector must validate an alleged debt by affidavit, oath or deposition and cease all collection activity until proper validation is provided. Union Bank failed to cease all negative collection activity and failed to comply with accurate reporting, and further keep violating my rights and are continually reporting negative transactions to the credit bureaus and more. On XXXX XXXX, XXXX, I then sent Union Bank an XXXX XXXX XXXX notarized and titled, XXXX Notice XXXX XXXX XXXX XXXX XXXX XXXX, with about 50 averments I discovered about mortgages, fraud, unlawful and lawful contracts and more. I served Union Bank via registered mail through an Administrative Lawful Process, giving them 30 days to respond to my affidavit point by point and according the highest forms of law. Maxims of Law include but are not limited to In Commerce an Unrebutted affidavit stands as truth, and A Declaration after 30 days becomes the final judgment in commerce, and Indeed no more than an affidavit is necessary to make a prima facie case ( United States V Kis, 658 F2d, 526,536 ( 9th cir 1981 ). I sent Union Bank via Registered mail # XXXX XXXX & XXXX notarized XXXX XXXX XXXX along with an Estoppel with return signature receipt requested. I received confirmation of receipt in the mail however, there was no response to my XXXX from Union Bank. On XXXXXXXX XXXXXXXX  via registered mail # XXXX XXXX & XXXX I then gave Union Bank another chance, in honor, another 10 days to respond and yet they still did not respond to my affidavit & it went unrebutted. They failed to respond to the affidavit altogether therefore tacitly agreeing to all the statements and acquiesced by silence ( see attached ). I then served Union  Bank their final Notice of XXXX XXXX XXXX notarized with a True Bill in commerce on XX/XX/XXXXXXXX XXXX via Registered mail # XXXX XXXX & XXXX for over XXXX XXXX dollars in violations of Fraud and more ( see attached ). Silence can only be equated with Fraud when there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading ( U.S. vs Pruden & U.S. V. Twill ) Union Bank to this day has not responded to any of my affidavits of truth yet continue to criminally trespass on the issued Collateral Estoppel and violate my privacy rights and the laws stated above. On XX/XX/XXXX I responded to a letter that XXXX XXXX XXXX, an unauthorized 3rd party sent me, that I did not give my written expressed permission to yet they sent me a letter saying Union Bank obtained them as Counsel to try to collect information to collect the debt. I responded via certified mail # XXXX letting them know that by operation of Law, Union Bank has already been put on Notice of Default and Dishonor and are under Collateral Estoppel and are prohibited from any collection activity ; no one, nor third party, can further make a claim as its already Res Judicata on its dispute. Nevertheless, XXXX XXXX XXXX continued to criminally trespass on the Estoppel and that as well and sent me another package I received on XX/XX/XXXX that I realized had possibly forged and or fraudulent backdated documents on them. I would like to see the authenticity of those documents, a forensic audit requested may be in order here. Furthermore, if they barely got it transferred in their name in XX/XX/XXXXXXXX XXXX, how were they sending me and collecting on bills for years before that? A forensic and securitization audit is recommended for proof of all fraud committed. Furthermore they trespassed on the Estoppel I issued Union Bank on XX/XX/XXXXXXXX. Theres so much apparent fraud that needs to be addressed, investigated, audited and looked into here to avoid further violations of my rights, trespass and harm. Union Bank, XXXX XXXX XXXX and XXXX XXXX XXXX appeared to have conspired together ( as it can be found XXXX XXXX XXXX and XXXX XXXX XXXX share a same address on XXXX XXXX in XXXX XXXX ) They continue to criminally trespass on the issued Estoppel and continually report negative items on all of the credit reports and even public records and are continually issuing threatening foreclosure mail and statements which are in clear violation of FCRA, FDCPA and many of the laws stated above. They further fraudulently filed a Notice of Default on public record XX/XX/XXXX at the XXXX XXXX XXXX records causing me so much XXXX XXXX to me as well as my family and tenants causing harm and defamation of character. They sent out mail to 3 different addresses on XXXXXXXX XXXX XXXX violating my privacy rights and further causing harm. They furthermore keep reporting negative inaccuracies on many 3rd parties and credit reporting agencies including XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX. I then further served all 3 companies via registered mail notarized to Union Bank, XXXX XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX an XXXX XXXX XXXX and Notice to Cease and Desist via Registered mail # XXXX XXXX, XXXX, & XXXX & I also sent them a copy of my notarized rescission of signatures for Fraud dated XX/XX/XXXX and noting it goes back to anything signed from XX/XX/XXXX to present including rescission of signatures to MERS and Union Bank and any versions of their changed names or parenting or affiliated companies and or debt collectors ( see attached ) I tried to call XXXX on XX/XX/XXXX to report the Fraud as well to all 3 credit reporting agencies including XXXX and XXXX and they told me they would investigate it but the results just show that it seems verified and if there is identity theft to call the companies because they may not have a phone number to call me, but they all just continue to report inaccurate reporting causing me defamation of character, harm, emotional distress and more and violating the FCRA and the FDCPA. I have a pile of proof of all this evidence but the file was too large to upload here ( available upon request ; I can email it or mail it to you ). They are actually trying to steal my property and put it in foreclosure when they have no lawful or legal standing and the instruments are defective, fraudulent and are unenforceable according to State and Federal law. Their Fraud must be investigated and handled appropriately and their violations must stop immediately. My Constitutional Rights must be protected and furthermore I should be protected by all the laws put in place including at the Federal and State level including FCRA and FDCPA. According to UCC 9-203. ATTACHMENT AND ENFORCEABILITY OF SECURITY INTEREST ; PROCEEDS ; SUPPORTING OBLIGATIONS ; FORMAL REQUISITES ( b ) [ Enforceability. ] Except as otherwise provided in subsections ( c ) through ( i ), a security interest is enforceable against the debtor and third parties with respect to the collateral only if : ( 1 ) value has been given ; ( no value has been given, no valuable consideration or loan from Union Bank, XXXX XXXX XXXX or XXXX XXXX XXXX ) Was the obligor in the mortgage or vehicle consumer credit contract given Valuable Consideration for the Note, Lien from the originator, the beneficiary of the deed of trust, the REMIC depositor or underwriter buyer ( s )? \nNo? No valuable consideration or loan was ever given and that was not disclosed to me from the beginning. Theres also apparent Securities Fraud involved that should possibly be investigated by the SEC and or the Attorney General. \nCase should be rested and closed here, no attachment under UCC 9-203 ( a ), no enforceability of the Note under UCC 203 ( b ), by any holder-in-due course or holder or non-holder of the Note, such as servicer, trustee, beneficiary of the deed of trust. \nread 'Attachment ' UCC 9-203 UCC 9-203 ( b ) enforcement of a lien against the Debtor only if Valuable Consideration has been given to your Debtor THE NEGOTIABLE INSTRUMENT NOTE BEING FORECLOSED ON HAS FORGED ALTERATION AND THEREFORE, THERE IS AUTOMATIC DISCHARGE OF ANY DEBT. \nIt appears there has been more fraud and possible forgery with the documents they recorded on XX/XX/XXXX at XXXX XXXX as it appears to be extremely and unusually backdated to XX/XX/XXXX. I would like to see an audit of that Notaries book of signatures and thumbprints and dates and get aknowledgement of verified notary. It was mailed to me on XX/XX/XXXX. They further didnt give me due process, nor 30 days to respond and they quickly filed a Notice of Default on XX/XX/XXXX fraudulently yet it is in public records for all to see and now XXXX shows pre foreclosure and Im eXXXX XXXX as I'm now getting harassed daily with constant calls, and mail and its going to all 3 different addresses defaming my character and causing much emotional stress to my family, tenants and I, causing harm. \nPer Cal. Civil Code section 1700 ( material Alteration ) & Cal Penal Code 496 ( forgery ) and Per UCC 3-407 - ALTERATION Despite the debt being disputed and made Res Judicata by their silence and non-response and tacitally agreeing to my Affidavit of Truth on XX/XX/XXXX along with a placed Estoppel on that date to hault collection activity and reporting ( see attached ), UNION BANK XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX continually criminally trespass on the Estoppel and seemed to have conspired together and acted in dishonor and bad faith without due process and Fraudulently filing. I have further rescinded all signatures, power of attorney, or beneficiary and/or trustee powers to anyone at Union Bank XXXX XXXX, any and all mortgage companies and debt collectors going back to XX/XX/XXXX and forward for Fraud and have provided them a copy as well as have attached it here ( it is dated XXXX ) Therefore, the Notice of Default filed XX/XX/XXXX by a defunct Trustee is NULL and VOID Nunc Pro Tunc as they have no authority or standing to act as a Trustee. \nI would not have signed any of those fraudulent contracts, Deed of Trust, if there was actual full disclosure and as that was sheer trickery played on me. There was no full disclosure and meeting of the minds to the contract agreement. The bank against me the alleged borrower, constructed the contract without me having all of the same information as per the rules of the contract. Therefore there has been a breach of contract. Making all contracts Null and Void. \nDue to the fact there was no meeting of the minds to the contract prior to the signing of the contract, and that the rules of the contract were deceptive in nature and was designed to benefit one party over the other i.e. to the benefit of the Bank who constructed the contract, this is FRAUD by the misrepresentation of a material fact. Through the rules that dictate contract law, and through the Statute of Frauds, there must be a meeting of the minds of the rules governing the contract or the contract is to be deemed null and void. \nFOR ALL THE ABOVE REASONS, THE attempted XXXX XXXX BY Union Bank, XXXX XXXX XXXX and XXXX XXXX XXXX IS WRONGFUL ILLEGAL, HARMFUL AND NULL AND VOID. IT MUST BE TERMINATED IMMEDIATELY AND NOTICE OF DEFAULT RESCINDED. A FULL SATISFACTION OF MORTGAGE AND RECONVEYANCE OF THE DEED MUST BE RECORDED IN XXXX XXXX XXXX WHERE THE PROPERTY IS LOCATED. \nSHOULD THEY CONTINUE WITH THE WRONGFUL AND ILLEGAL FORECLOSURE, THEY WILL BE INVOICED TRIPLE THE AMOUNT THEY ARE FORECLOSING ON IN DAMAGES. \nI WOULD LIKE TO REQUEST CFPB Consumer Financial Protection Bureau TO INVESTIGATE THE FRAUD THAT IS BEING PURPORTED ON CONSUMERS UNDER THE GUISE OF A MORTGAGE AND TAKE APPROPRIATE ACTIONS TO PROTECT THE UNINFORMED CONSUMERS. Thank you for your immediate help and investigation in this matter to protect me and others against all these violations as a federally protected consumer.","date_sent_to_company":"2023-02-14T03:44:23.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91739","tags":"Servicemember","has_narrative":true,"complaint_id":"6564149","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"MUFG AMERICAS HOLDINGS CORPORATION","date_received":"2023-02-14T02:12:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I responded via <em>certified</em> mail # XXXX letting them know that by operation of Law, Union Bank has <em>already</em> been put on Notice of Default and Dishonor and are under Collateral Estoppel and are prohibited from any collection activity ; no one, nor third party, can further make a claim as its <em>already</em> Res Judicata on its dispute."]},"sort":[10.777441,"6564149"]},{"_index":"complaint-public-v1","_id":"7417215","_score":9.291229,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I want to amend my first complaint against Toyota. This is the new affidavit which is notarized and certified mailed to all the companies involved with these matters, including XXXX XXXX XXXX, XXXX XXXX, and the XXXX XXXX Police. \nAFFIDAVIT I, XXXX XXXX XXXX who is XXXX XXXX years of age declare that I am a XXXX XXXX XXXX of any jurisdiction of any County, State, or Nation. I assume no financial or physical liability for any business trust any corporation/person/business has ever set up for me. This would deem any debt to belong to whoever transferred this information into a business trust unknowingly and without consent from XXXX XXXX XXXX and took it upon themselves to address this sentient woman under a false name and try to hold XXXX XXXX XXXX liable for their actions. XXXX XXXX XXXX is not the surety for XXXX XXXX, only the beneficiary for. \nThis affidavit will stand as testimony of the facts and sworn to be true statements pertaining to a XXXX, XXXX XXXX, automobile seizure with the last 6 digits of the VIN being XXXX, on XX/XX/XXXX from the residence cited above. The companies/corporations involved with the seizure of said vehicle shall be listed and legal claims will be made upon the following businesses : 1. Toyota Corporation/TFS under any/all affiliated names of Toyota involved with these matters to be addressed within as TFS, with the given address as : XXXX XXXX XXXX XXXX TX, XXXX XXXX 2. Loss Prevention Services to be addressed within as LPS, or any business identity affiliated with LPS, with the given address as ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX, listed as XXXX XXXX XXXXXXXX out of XXXX XXXX Let it be known that the XXXX company will not identify themselves or provide any further information about their contact information ; I have however XXXX XXXX which was listed on the door of the tow truck and the address listed is : XXXX XXXX XXXX. XXXX XXXX, NJ XXXX. Proper service processing shall be deemed attempted but impossible to verify until such disclosures are made available. This affidavit shall stand as legal notice in lieu of the ability to directly process serve this business with the intent to file suit of, but not limited to : trespass, theft of a vehicle, identity theft, and the legal claims left on the windshield before the theft, upon XXXX, or the towing company who came on my personal property. XXXX. XXXX XXXX Police Department, address ; XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. \n\nI, XXXX XXXX XXXX swear that everything within this document to be true and factual to the best of my knowledge. \nStatement of Facts is as follows : 1. On or before XXXX of XXXX, I made contact via notarized, certified, return receipt mail with Toyota Financial Services and CEO of Financial Services XXXX XXXX. In this communication I asked for, but not limited to : the original of the contract, and all financial disclosures, with break downs of the financing within said original contract to validate any financial claims being made. This said notarized document/affidavit that I presented to TFS included an allotted amount of time for them to provide me with this information or it shall be deemed acquiesce. To date they failed to produce any information other than a copy of a contract in which does not appear correct. I requested/required the original that was submitted from TFS to their financier or underwriter. At this point acquiesce was acquired as per law, and TFS should be held to the same standards as anybody else, when ignoring legal financial verification. Acquiesce is proof of guilt and should be treated as such. \n\n2. I claim ; and have reason to believe that TFS had created a fraudulent contract and under deceit willfully contracted with me. Under 15 US Code 1605 Determination of Finance Charge it clearly states all finance charges must be on a separate piece of paperand sum of all charges must be included with the financing, section 5. States premium or other charge for any guarantee in insurance protecting the creditor against obliges default or other credit loss. This has been my point of contention since the inception of inquiries regarding said contract, yet I never received the finance charges broken down properly on a separate piece of paper as well as sum of all charges were never included in the financing. All communications sent to TFSXXXX XXXX and associates were always notarized, and certified mailed with a time allotted for production or acquiesce shall deem TFS guilty of fraud. They never responded or made any legal claims to date, deeming them guilty by acquiesce and the law.\n\n3. I am claiming under 15 USC 1692g ; Validation of Debt it claims within that a portion of the finance charge consisting of the amount equal to a discount of 5 % or less of the stated price in full within a stated period of time in connection with a sale of a particular goods or services for which credit is not otherwise available from the merchant shall not be in the finance charge for the purposes of determining the maximum rate of finance charge with respect to purchases not paid in full. I need proof this did not happen. \n\n4. I am making the claim that I was never presented with the original contract, or the contract that was made available to whoever serviced the loan/underwriter and will need these disclosures. If credit insurance was placed on this loan and charged to me which it appears happened, this would be fraud, and needs to be proven it did not happen.\n\n5. I claim that under XXXX XXXX XXXX XXXX  : ( 1 ) Ignorance of the law excuses not, and ( 2 ) Ignorance of law excuses no one. Acquiesce has been formed as can be proven by the numerous notarized correspondence attempts made by myself to TFSXXXX XXXX to rectify these concerns, at which point a conditional acceptance may have been agreed upon, but only due to a lack of production on TFSs end have we come to this point. All acquiesce requirements have been met to prove TFS guilty of any/all claims.\n\n6. Since acquiesce has been formed, I should be granted ; as per the law, any/all legal claims to the automobile which should include : 1. the free return of said vehicle to the property it was taken from, or if sold a new replacement 4-Runner, 2. the entirety of the contract voided, and a refund issued for any/all payments that were made, 3. The title relinquished for said vehicle to XXXX XXXX ( if the vehicle in question is returned to me, ) if a new replacement is provided it should be free and clear of any/all fees, or expenses incurred. 4. Refund for all expenses incurred due to TFSs, LPS, XXXX, and the XXXX XXXX Police Departments actions on XX/XX/XXXX which would include my fee schedule and car rental costs. I am making the claim that TFS has completed a charge-off, as well as repossession without a court order. \n\n\n7. I claim that my sixth amendment rights have been violated by all parties included. I have attempted to obtain any/all information pertaining to a court date in these matters and have been ignored in my attempts. The sixth Amendment clearly states a parties ( defendant ) sixth Amendment Right to attend his own trial was so absolute that, regardless of how unruly his conduct, he could never be held to have lost that right so long as ( he ) insisted on it. Illinois vs. Allen Court : U.S Date published : XX/XX/XXXX, 397 U.S. 337 ( 1970 ), 90S. Ct. 1057. I have the unalienable right to face my accuser. TFS has deemed me guilty, yet not allowed me the right to face the charges, and had my private property seized off of my private dwelling without proof of a proper warrant. TFS, LPS, XXXX, along with XXXX XXXX Police Department assisted in these illegal actions. I will need to verify the wet-ink signature, proper warrant that was issued, and any court dates pertaining to these matters, as I have reason to believe these do not exist. If, if fact these do not exist or were not generated before XX/XX/XXXX, entry onto my private dwelling shall be viewed as trespass and a violation of many of my Rights, and treated as such as reflected in my fee schedule that was provided to all included in this case. \n\nXXXX. I am claiming that TFS never obtained permission from me to disclose any/all personal information under 15 USC 6802- Obligations with Respect to Disclose Personal Information, that states opt-out, a financial institution may not disclose non-public personal information to a non affiliated third party. All three of these companies committed identity theft. Because TFS, LPS and XXXX XXXX all colluded with the XXXX Police Department in the theft of a vehicle without a proper court order, as well as provide my personal information which includes my name, address, codes, or banking info ; identity theft Under 15 USC 1692 ( B ) ( 2 ) was committed, it clearly states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location info about the consumer shall not state that such consumer owes any debt. As well as 15 USC 1692 ( C ) ( A ) that states : a debt collector may not communicate with a consumer in connection with the collection of any debt. I claim TFS, and LPS are debt collectors. Once they took actions that resemble debt collectors behaviors such as contracting out to third parties to collect on a debt, usage of legalese and claims of not being a debt collector should be legally argued.\n\n9. I have reason to believe and make the claim that ; within the Unfair Practices statues and regulations under 15 USC 1692F where it states taking or threatening to take any non-judicial action to affect dispossession or disablement of propertythere was no present right to possession of the property claim as collateral through an enforceable security interest. I am making the claim that since I was not able to present myself before the court to defend my actions pertaining to these matters, there was never a proper judicial order in place for these events to occur, deeming them all illegal and grand theft auto. I am also making the claim that just because these actions are common place within our society that does not make them legal. There are procedures and protocols that must be adhered to within the law, in this case many laws were broken and many of my personal Rights have been violated by all named businesses in this case. \n\n10. I am making the claim that TFS has information pertaining to the Gap insurance that is reflected within the copy of the contract TFS provided to me, and it appears to have been purchased and paid for by me. TFS has failed to provide me with the insurers name or contact information so I can make a claim of theft on this vehicle. Since the contract was null and void due to acquiesce on TFSs part this claim should be a viable claim, as theft seems to have occurred. \n\n\n11. I am making the claim that TFS has repossessed said vehicle so they should have provided me with a 1099, and a 982 form and to date have not done so. Since TFS took the actions to repossess this vehicle it very well may provide TFS a better financial standing in these matters. Therefore I need the full disclosures of all financial matters between TFS, the Underwriter, and any insurance claims or tax write offs that have taken place, and a 1099C should have been or be applicable to this case.\n\n12. I am making the claim that I need the underwriters full contact information, as well as any/all attorneys full contact information including their bonds/insurance information, bar numbers as well as their foreign registration act of 1938 filings ; that\nI am demanding be filed as of receipt of this notice.\n\n13. I am making the claim that the Rights notice which has not, to date been provided to me via certified mail, but was electronically sent appears to be factually inaccurate. It appears TFS is claiming I owe {$10000.00} in Unpaid Gross Balance under your contract ( includes any accrued and unpaid finance charges ) as well as {$910.00} in repossession cost for a total of {$11000.00} before storage and towing fees. I would need verification in the form of a financial break down of how TFS came to these figures. Once TFS is able to provide me with all their financials pertaining to this vehicle including any insurance claims, tax write offs or any other deductions/claims TFS has made on this vehicle is when we can start to come to a factually correct Redemption cost. If this Redemption claim is factually inaccurate it should be further proof of fraud on the part of TFS. Redemption requirements include but are not limited to : any time before the disposition of the collateral, a debtor may have the right to redeem the collateral by tendering full payment of the obligation owed and all reasonable expenses incurred by the creditor ( Sec. 12A:9-506 ). I claim that since I was never informed or notified of these actions that were in place to collect my vehicle, I was never able to redeem. Notice of Intent under ( Sec. 12A:9-503 ( 3 ) states Reasonable notice of the time and place of the sale is generally required to be given to other secured creditors and the debtor. Which clearly states TFS must give me reasonable notice of the place of the sale, since I am the debtor. As per ( CO-56 ) Liquidation Documents ; Writ of Execution must be stamped True Copy and signed by the Clerk of the Court, copy of posted notice of sale and original title. I will need proof of all of these orders being followed, as I have reason to believe they have not occurred.\n\n14. I am making the claim that under Rights of Rescission as stated in 15 USC 1635 when you enter into a contract certain disclosures need to be provided I believe, and therefore need proof that TFS did not provide a fraudulent contract, which would allow me certain rights to withhold payments until the contract was amended and the all financing and disclosures were made available to me. The Right to withdraw my performance from what was thought to be a faulty contract while waiting for verification of the claims of the contract was well within my rights. I am claiming if this contract is not deemed null and void due to any of the above listed concerns as well as acquiesce on TFS part, then I am asserting and claiming my right to rescission.\n\n15. I am claiming that I hold proprietary interests in said matters, and I have endured damages and hardships due to TFS, LPS, XXXX and the XXXX XXXX NJ Police Departments actions. My time is not free, as we all value our time and our 5 basic human rights to : freedom to life and liberty, freedom from slavery and torture, freedom of opinion and expression and the right to work and education. I have provided TFS with my Fee Schedule in XXXX, and will require TFS, LPS, XXXX, and the XXXX XXXX Police Department individually to be subjected to all fees within ; as I will provide a notarized copy of said fee schedule to each listed in these matters again. A minimum of XXXX XXXX XXXX dollars a day will also be added until I am fully restored back to my original state of affairs ( meaning return of said vehicle to the property, with title and free of charge ) from their harms as an expected pay for my time and efforts and injuries from all listed in these matters. \n\n16. I am making the claim that the XXXX XXXX XXXX that was removed from my personal dwelling was done without the proper court order, an appearance from me to defend myself, all by means of identity theft and improper disclosures of my personal information to outside companies, as well as TFS acquiesce in all matters since inception of my discovery of financial disclosures would be well within my rights to demand that said vehicle or a new vehicle if that one was/is sold be brought back to my dwelling and returned immediately, or fees will incur daily from each of these entities individually who violated my rights to peace and freedom, as well as my right to face my accuser. \n\n17. I am making the claim that LPS, XXXX and XXXX XXXX NJ Police Department did not have all the proper court orders, documentation, or knowledge as to the communications or acquiesce from TFS therefore deeming any actions they took as per TFSs demands illegal and in violation of my rights. I would need to have provided to me all the communications TFS had with LPS, XXXX, and the XXXX Police Department, including all communications LPS may have had with XXXX or XXXX had with the police department to date pertaining to these matters to validate any claims or legal rights any of these businesses may have had to take such actions.\n\n18. I am making the claim that XXXX XXXX Police Department did not have all the proper court orders, documentation, or knowledge as to the communications or acquiesce from XXXX therefore deeming any actions they took as per any of the listed companies demands illegal and in violation of my rights. I would need to have provided to me all the communications TFS and LPS as well as XXXX have had to date with XXXX XXXX Police Department pertaining to these matters to validate any claims or legal rights the XXXX XXXX Police Department had to assist in any of these claims. I will be placing a FOIA request for any/all communications between these companies and the Police Department , as well as the body cam footage, and verbal exchanges made during the theft of my vehicle. \n\n19. I am making the claim that under UCC 1-308 I reserve all my rights and always have.\n\n20. All listed will have twenty days ( 20 ) to respond to this affidavit, or acquiesce will be deemed.\n\nEQUITY REGARDS SUBSTANCE RATHER THAN FORM.\n\nIn closing, and under penalty of perjury, I am hereby swearing to all matters listed above and declare all within to be fact and truthful, my hand to God I hold to be true. \n\n\nThis is also a chronological breakdown of all my attempts to rectify this situation and TFS never responded to any of my notarized, certified mailed affidavits to bring this case to a resolution. \nChronological Timing of Facts and Correspondence to be included in Affidavit 1. XXXX Received letter from XXXX XXXX pursuant to request a copy of your contract. This letter was not signed by a person, just Toyota Financial Services. Arbitration Provision was never signed by me. I never contracted for any arbitration provisions. 4D. Gap insurance = {$450.00} ( which I paid for, therefore I am entitled to ), G. Government taxes = {$7.00}, XXXX XXXX XXXX = {$240.00}, Total Other Charges & Amounts Paid to Others on your Behalf = {$810.00} ( need to know what this is, but would not answer my financial break-down questions but stated they did not have to answer them because they are not debt collectors. This contract does not show insurance included within the financing, by law where it states sum of all charges insurance needs to be included. \nXXXX. XX/XX/XXXX I sent the coupon TFS provided me back with paid in full amount written on it for {$10000.00} TFS denied the payment which deems it PIF. \na. XXXX to XXXX XXXX, Notice of Claim with 15 days to respond or acquiesce. Certify mail # : XXXX XXXX XXXX XXXX XXXX. Never responded. TFS is guilty as per acquiesce since XX/XX/XXXX. \nXXXX. XX/XX/XXXX Received letter from XXXX XXXX, XXXX XXXX XXXX that stated in receipt of my XX/XX/XXXX correspondence where he confirmed no acts of fraud have been committed by TFS, but TFS is not legally required to provide documents to validate this debt because they are not debt collectors ( This is the most absurd claim ever. XXXX XXXX who works for Toyota is telling me, he promises there is no fraud, but I dont have to prove this to you, just pay and shut up. I have the right to question any claims or financial disclosures placed upon me, and I did but they would not provide me with proof. This letter is proof of my attempts and their lack of attention or disclosures. ) see exhibit A XXXX. XXXX I sent Affidavit of Facts, and Affidavit of Status, and my Fee Schedule certify mail # : XXXX XXXX XXXX XXXX XXXX and this document gave TFS 3 days to respond or acquiesce. TFS never responded, by law they deemed themselves guilty as per acquiesce. \nXXXX. XX/XX/XXXX I sent TFS Notice to provide personal information, Motions & Actions Notice, Letter to TFSXXXX XXXX that included 1. Notice to Agent & Conspiracy against Rights notice all notarized, with 15 days to respond or acquiesce. Never responded so deemed guilty as per the law. \nXXXX. XX/XX/XXXX XXXX sent me a letter signed Toyota Credit Corporation stating my request to limit phone communication. This letter did not make the claim that they could not send me mail, or communicated via email. TFS just could not call my phone anymore. Communication was still available to Toyota and they never notified me of any actions. \nXXXX. XX/XX/XXXX I made a mail fraud complaint and mailed a copy of it to TFS. \n8. XX/XX/XXXX I sent back their coupon for {$10000.00} for full payment of the loan and told them to take it from the business trust made under the name of XXXX XXXX and never agreed upon by XXXX XXXX to be the surety for, only the beneficiary of said trust. The business Trust made under the name XXXX XXXX, was never agreed or contracted on. \n9. XX/XX/XXXX I sent a letter to XXXX XXXX, stating my right to Regulation Z, Rescission of Offer since TFS failed to provide me with the original contract and the breakdown of the financials as well as the percentages, as per law must be presented on a separate piece of paper and provided. This letter provided XXXX XXXX and his staff 3 days to provide the original contract or acquiesced would deem TFS guilty of a fraudulent contract. TFS never responded. \n10. XX/XX/XXXX I received via USPS a bill from Toyota for {$1500.00} XXXX. XX/XX/XXXX XXXX XXXX Department sent me a letter claiming my letter to them claiming to be the beneficiary, Notice to agent, notice of intent, my fee schedule did not satisfy my financial obligations and they would need to hear from me in ten ( 10 ) days. ( TFS has not responded to anything I have had notarized and return receipt mailed, my requests for a breakdown of charges, or validation that this loan was not fraudulent, yet threaten me that I had to contact them within ten days or else, I never made any claim that these letters were sent in lieu of payment. All I ever asked for was a validation letter which they would not produce, and still wont produce. ) 12. XX/XX/XXXX I sent TFS a Notice of Intent to File Suit, giving them 20 days to respond, reiterated that a fee schedule was already sent, but I sent another copy of it within this communication, I asked for the original contract again, I wanted any charge-off information and told them if they could not provide me with this simple information they needed to surrender the title to me and clean off any credit claims they had made. TFS never responded 13. XXXX Received letter on XX/XX/XXXX so I responded with Affidavit of Facts, a copy of the letter they sent to me from the fraud department, a Notice of Claim that was sent XX/XX/XXXX, Affidavit of status, and a copy of my mail fraud claim. TFS never responded. \nXXXX. XXXX I sent a certified letter mailing # : XXXX XXXX XXXX XXXX XXXX to respond to the letter I received on XX/XX/XXXX. Another Affidavit of fact that was notarized and legal with 10 days to respond. TFS never responded. \nXXXX. XXXX Fraud Department sent a letter stating a. fraud form of payment b. not recognized any courts in USA , c. valid legal obligations, d. schemes and they had to hear from me within 10 days or they would inflict collection and attorney fees on me, this letter was not signed by another person. ( For the record, once again TFS is demanding I produce something while all this time they have never responded to any of my notarized, and certified mailed affidavits with allotted amount of days to respond or acquiesce would deem them guilty of fraud. ) 16. XXXX Received a bill for {$2000.00}, in which they still have not provided me with any debt validation as requested. \n17. XXXX Received letter from Toyota Credit Corporation stating that they were going to do a charge-off and redeem any optional vehicle protections to reduce the price I owed them. This letter was not signed by another person and produced no validations of debts. \n18. XXXX I certified mailed # : XXXX XXXX XXXX XXXX XXXX a response to a letter asking again for debt validation. This letter stated that as per the law once they make a debt claim against me they must produce a debt validation letter within 5 days after the claim, in which I never received. TFS never responded. \nAs of XX/XX/XXXX TFS contracted with LPS, and XXXX XXXX company, while the XXXX XXXX Police force assisted in the removal of my vehicle off of my personal property without a warrant. I have sent many written requested to TFS and LPS concerning these actions and have not heard back from any of them. \nI believe it is clear to see that I took every possible means of coming to a resolution in these matters, TFS has not taken any action on legally notarized affidavits, nor have produced any debt validation to date, while only claiming that because they are not debt collectors they do not have a legal responsibility to provide me with these financial disclosures. Since TFSs will not provide me with these requested documents and has acquiesced numerous times, I have no reason to believe this contract was ever legal and has always been fraudulent and TFS is attempting to hide these facts. \nTFS must be held accountable and I am making the claims that after many attempts to rectify this situation it has always been TFS that has not been truthful or accommodating. \nAs per acquiesce TFS is guilty as per the law, and if time limits can be placed on me or I am considered guilty, so must TFS be held to the same standards.","date_sent_to_company":"2023-08-17T18:33:28.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"082XX","tags":null,"has_narrative":true,"complaint_id":"7417215","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2023-08-17T18:19:48.000Z","state":"NJ","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["This is the new <em>affidavit</em> <em>which</em> is notarized and <em>certified</em> mailed to all the companies involved with these matters, including XXXX XXXX XXXX, XXXX XXXX, and the XXXX XXXX Police. \n<em>AFFIDAVIT</em> I, XXXX XXXX XXXX who is XXXX XXXX years of age declare that I am a XXXX XXXX XXXX of any jurisdiction of any County, State, or Nation. I assume no financial or physical liability for any business trust any corporation/person/business has ever set up for me."]},"sort":[9.291229,"7417215"]},{"_index":"complaint-public-v1","_id":"2549530","_score":8.545488,"_source":{"product":"Debt collection","complaint_what_happened":"THE XXXX XXXX COUNTY COURT IS A CORPORATION. JUDGE XXXX XXXX XXXX WAS ACTING AS AN ADMINISTRATOR AND NOT LISTENING OR PROPERLY REVIEWING THE COURT RECORD. XXXX OBJECTED MULTIPLE TIMES THAT LAWYER XXXX XXXX XXXX WAS ABUSING THE LEGAL PROCESS, SINCE XXXX ALREADY MET THE BURDEN OF PROOF WITH SEVERAL CERTIFIED LETTERS SENT OUT WITHING 5 DAYS OF RECIEVING NOTICE FROM THE PARTIES WORKING WITH THE JUDGE COMMITTING FRAUD ; XXXX XXXX and XXXX XXXX XXXX, then XXXX XXXX, XXXX. JUDGE XXXX XXXX XXXX DID NOT HAVE XXXX CONSENT SHOWING UP IN COURT THE DAY XX/XX/XXXX, IN SPECIAL APPEARANCE AS A LIVE MAN. XXXX RESERVED THEIR RIGHTS '' WITHOUT PREJUDICE '' UCC 1-308. XXXX ALSO RESERVED THEIR XXXX GIVEN RIGHTS, COMMON LAW RIGHTS, CIVIL RIGHTS AND CONSTITUTIONAL PROTECTIONS. THEY ALSO INVOKED COMMON LAW AND DESCRIBED WITH LEGAL CITATIONS THAT THAT MATTER WAS BLENDED WITH LAW AND COMMON LAW EQUITY, AND CITED UCC 103.6. The judge was unfamiliar with blended law and the citations of XXXX XXXX v. XXXX ( XX/XX/XXXX), and XXXX v. XXXX, he did not know about any more recent cases that the case was based on being retired since XXXX. XXXX explained about XXXX v. XXXX XXXX XXXX since there were fraudulent assignments out of a IRS static trust, ie tax evasion. The trust was set up conforming to IRS IRC XXXX then was fraudulently canceled. Upon asking Judge XXXX about IRC XXXX he had no idea about it proving lack of jurisdiction. XXXX also asked about laws of Rescission citing XXXX v. XXXX, Judge XXXX also had no knowledge about this, and this was what the case was based on, that and other bankruptcy law that he also appeared to have not knowlege of. XXXX remarked that the court lacked jurisdiction and they did not have XXXX consent to move forward. XXXX  have had issues with a Judge XXXX within this same court, whom after 7 years of litigation determined that Judge XXXX had no oath of office. Which means he had no ability to contract with anyone during the time XXXX spent in his court so all judgments put out by him are now deemed null and void. I guess it is important to check with the secretary of state on this, if an judge does not have a oath on file with the notary division of the secretary of state, he or she has no ability to form contract. We feel that this judge was acting non-impartially, and unethically. Our presumption is this judge XXXX talks regularly with Judge XXXX and there is a relationship there, that provides a conflict of interest. This matter also involves other parties at this time in which XXXX have filed additional complaints. The latest court record is attached. Bottom line XXXX own the NOTE and they company is trying to foreclose on a DEED OF TRUST that is null and void, XXXX provided several pieces of evidence invalidating the deed of trust and summary judgment for unlawyful detainer. XXXX also provided certified letters in which each party trying to pursue a collection action has a duty to respond to. Also thirdly, XXXX received no loan counseling, and the parties acting together created fraudulent documents saying that the XXXX did so the process could move forward. The Judge XXXX XXXX XXXX, had all of the items brought to his attention, and looked a blind eye at the prima fascia evidence as if it did not exist. We presume he is somehow financially involved in this, either through a direct pay off or bribe. XXXX still do not consent to jurisdiction. The latest court record by XXXX is below. XXXX XXXX, XXXX Plaintiff ( s ), vs. <P/>XXXX XXXX & XXXX XXXX AND DOES 1 THROUGH 10, INCLUSIVE Defendant ( s ). ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) Case No : : XXXX COURT RECORD FROM XXXX XXXX XXXX IN AN AFFIDAVIT OF TRUTH FROM PROCEEDING ON XX/XX/XXXX. XXXX XXXX, XXXX MOTION FOR SUMMARY JUDGMENT FOLLOWING ILLEGAL FORECLOSURE SALE VIOLATING 12 USC 3707, SENT CERTIFIED MAIL, ALSO VIOLATIONS OF CALIFORNIA CIVIL CODE SECTION 2923.5/AND 2923.55 ( C ), PLAINTIFFS HAVE NO STANDING SINCE THERE IS NO CONTRACT OR MORTGAGE BETWEEN THEM OR ANY OTHER PARTY REGARDING XXXX PROPERTY, BY JUDGE XXXX XXXX XXXX DATE : XX/XX/XXXX TIME : XXXX DEPT:17 Complaint filed XX/XX/XXXX ) AFFIDAVIT OF TRUTH DECLARATION OF XXXX XXXX XXXX I , XXXX XXXX XXXX, declare and affirm and state as follows, I live on XXXX XXXX County, on California XXXX United States of America . XXXX participated in a court on the XXXX of XX/XX/XXXXas a live man special appearance, going into the court XXXX reserved all of their XXXX rights given, civil rights, common law rights, and constitutional protections, without prejudice UCC 1-308.  They also invoked common law jurisdiction, the jurisdiction of the republic and did not give consent to solely be tried under law, but brought in law of equity since it, common law is supposed to have parity along side codes and statutes. Other then showing many corresponding prima fascia evidence proving fraud is taking place in the court, XXXX argument was about without prejudice UCC 1-308, and UCC at 1-103.6, the reservation of rights and the Blending of Law with Equity, since the auction sale on page two of XXXX XXXX XXXX XXXX exhibit 6 NOTICE OF TRUSTEES SALE, paragraph two explains that a lien ( interest ) is being sold and not the subject matter property, since the legal claim and complaint being put forth are that at the foreclosure sale of the house was being purchased which Judge XXXX did not want to get into, which is the center of the matter ; XXXX found this prejudicial to XXXX XXXX, XXXX XXXX Since, the interest of what was sold was not being defined, and XXXX XXXX, XXXX from there fraudulent manufactured were asked to come up with a contract with XXXX, and it could not be produced, or they just ignored XXXX. XXXX had also sent letters back to each party certified when XXXX were given notice ( XXXX EXHIBITS 9 ), since XXXX had not MORTGAGE on their property, each letter as far back when the default was recorded as far back as XX/XX/XXXX, none of the letters requesting validation of the alleged debt, or disputing the debt were ever responded to by any of the parties NATIONSTAR MORTGAGE, LLC/INC., or XXXX XXXX, XXXX, XXXXXX/XX/XXXX, or XXXX XXXX, and there were multiple letters sent to each. This proved that there were multiple violations invalidating the Alleged foreclosure sale and the interest that XXXX XXXX, XXXX is claiming to have purchased by credit bid, which is not lawful money. XXXX again found this prejudicial since they have no contract or agreement with NATIONSTAR MORTGAGE, LLC/INC., or XXXX XXXX, XXXX, XX/XX/XXXX, or XXXX XXXX  XXXX, asked in court if such a contract exists please bring it forth, and no such contract was produced, and they judge just went on ignoring that XXXX asked for the single most important document, that XXXX XXXX XXXX does not have. Then, XXXX, as HOLDER OF THE WET INK NOTE, produced the NOTE ( XXXX EXHIBITS 1 ), and explained the payment mechanism of their home purchase ( XXXX EXHIBIT2 ), that they are in possession of and HOLDERS IN DUE COURSE OF the WET INK NOTE, so the DEED OF TRUST, that was just shown, is null an void and fraud was being put on the face of the court by XXXX XXXX, XXXX and Attorney XXXX XXXX. XXXX then remarked that they are not aware that they have any current debts, XXXX referred Judge XXXX XXXX XXXX to ( XXXX EXHIBITS 10 ) in where it shows that a debt search was performed for XXXX XXXX on the UCC database XX/XX/XXXX at XXXX that pulled data from the UCC database dating back to XX/XX/XXXX that showed no judgments to validate the alleged default, or that would have shown a mortgage for XXXX if one existed. It showed that no mortgage was ever taken out by XXXX, also that no current judgment against XXXX is present from a search of this database going back to before any fraudulent security was signed on XX/XX/XXXX or XX/XX/XXXX. Next, in ( XXXX  EXHIBIT 10 ) a debt search was performed for XXXX XXXX on XX/XX/XXXX at XXXX that showed no judgment to validate the alleged default, and no mortgage showed up for XXXX. It showed that no mortgage was ever taken out and that no current judgment against XXXX are present from a search of this database going back to before any fraudulent security was signed XX/XX/XXXXor XX/XX/XXXX. These UCC searches are accompanied by a certificate of authenticity of XXXX XXXX Secretary of State, signed and sealedXX/XX/XXXX. This was all mentioned to Judge XXXX XXXX XXXX. Judge XXXX XXXX XXXX failed to recognize that at this point, XXXX produced a fatal piece of evidence, invalidating the claim of XXXX XXXX, XXXX since it was apparent at this time they lacked standing and had purchased interest that was undefined, and did not consist of any lien owned at any time by NATIONSTAR MORTGAGE, LLC. And, since XXXX had no debt, the lien purchased could not be theirs, it was fraud. XXXX provided a redacted Birth Certificate proving they are the beneficiaries of this case, and trust.XXXX provided documents showing they are the owners of the names XXXX XXXX XXXX and XXXX XXXX XXXX, and all name derivatives as recorded in ( XXXX EXHIBITS 10 ) XXXX XXXX County Records and the UCC. XXXX mentioned to Judge XXXX XXXX XXXX, that they have common law copyrights on their names as contained in ( XXXX EXHIBITS 12 ), there are two there. XXXX mentioned that XXXX XXXX, XXXX and there principals are Judgment debtors to XXXX and have violated XXXX, COMMON LAW COPYRIGHTS, in an amount of one invoice of {>= $1,000,000} sent to the certified dated XX/XX/XXXX, received XX/XX/XXXX in XXXX at XXXX. The second notice for invoices of {>= $1,000,000} was dated XX/XX/XXXX and was sent certified XX/XX/XXXX, these were in response to their illegal postings and mail fraud committed on XXXX. Letters and Invoices sent to XXXX XXXX, XXXX can be seen as ( XXXX EXHIBITS 3 ). XXXX made the point to XXXX XXXX XXXX XXXX, that XXXX XXXX, XXXX and its principals are judgment debtors to XXXX already with a perfected commercial judgment, and can not get a judgment on XXXX or an enforceable Unlawful Detainer since they XXXX XXXX XXXX are Judgment Debtors to XXXX. XXXX also pointed out to Judge XXXX XXXX XXXX, that they had provided documents of a redacted UCC showing the nature of their interest as the Paramount Interest Holder in THE NOTE, since they are holder in possession of the WET IN NOTE.XXXX further produced documentation of ( XXXX EXHIBITS 10 ), a certified document that shows as listed on the UCC DATABASE, XXXX are the owner of the property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX  also explained to Judge XXXX XXXX XXXX, that a redacted UCC page is located in ( XXXX  EXHIBITS 22 ) illustrating XXXX lien position on the property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, they are the paramount interest holder in the property with beneficial interest, equitable interest and legal interest and underlying interest as the original purchaser, and the house is being held in the XXXX FAMILY TRUST private for XXXX benefit, all recorded on UCC since XX/XX/XXXXwith updates. XXXX even remarked to Judge XXXX XXXX XXXX, that they were forced into filing a bankruptcy that listed all parties claiming any mortgage interest in the subject property, and that this issue has already been decided at a higher jurisdiction in XXXX XXXX, by a Federal Judge when each party claiming interest in the property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. It was apparent from this that all the recordations done by XXXX XXXX, XXXX in the county record were done fraudulently by XXXX XXXX XXXX, since they lacked standing to pursue these and they are in clear violation of GOVERNMENT CODE SECTIONS XXXX ; The False Claims Act.XXXX explained At this time Judge XXXX XXXX XXXX started trying to help the Attorney, by mentioning from the XXXX  lengthly unlawful detainer rebuttal paperwork and exhibits that the Appeals court mentioned that no amended complaint was filed in an original case file. XXXX responded by saying that a motion was filed for a 20-60 day leave to amend the complaint but it was procedurally denied. Judge XXXX XXXX XXXX then mentioned in XXXX exhibits of the county recorder files that there were several judgments listed under XXXX. XXXX responded that all of the judgments you see in the county recorder files have been paid through the court, XXXX are secured party creditors, they have each been paid through the county comptroller. XXXX are current will all property taxes paying them themselves and have the documentations. XXXX also cary their own property insurance on their home. So, there are no judgments to enforce the default, and XXXX illustrated this in their ( XXXX EXHIBITS 10 ). XXXX required the contract be brought forth, No Alleged contract was or has been brought forth by Attorney XXXX, since there is no contract or agreement present between XXXX and any party, XXXX claim that XXXX XXXX XXXX has no standing to pursue this matter and it should be dismissed with prejudice, and that Judge should correct this issue by giving XXXX a Quiet Title to the said property, and have the Sheriff produce a new Sheriffs Deed.. The presumption that the lien that XXXX XXXX, XXXX is void and invalid, leading to the presumption that the unlawful detainer action has no legal basis or grounds to move forward, and is being orchestrated fraudulently with fraudulently created and recorded documents in the county records by XXXX XXXX XXXX of XXXX XXXX, XXXX. XXXX mentioned the XXXX XXXX case v. XXXX ( XXXX ) and XXXX v. XXXX, about law blended with equity. From Paragraph 2, NOTICE TO POTENTIAL BIDDERS, where it clearly states that a lien is being auctioned not the property. XXXX then brought up that according to UCC 1-103.6 it states that THE CODE IS COMPLIMENTARY TO THE COMMON LAW, a reservation of rights was also made under ICC XXXX. XXXX mentioned that UCC 1-103.6 states that, The Code can not be read to preclude a Common Law Action.XXXX. XXXX illustrated this with a Senate document from the XXXX CONGRESS,  DOCUMENT XXXX, SESSION XXXX, Congress in XXXX, CONTRACTS PAYABLE IN GOLD, and brought up this point since the document speaks to liens and interest, where on page 13 he read a quote, The ultimate ownership of all property is in the State ; individual so-called ownership is only by virtue of Government, i.e. law, amounting to mere, user ; and use must be in accordance with law, and subordinate to the necessities of the State., from this excerpt XXXX XXXX explained that even the deed of trust, if it were valid is invalidated by this excerpt in that we only have liens on the contractual air space within housing. This this bolsters XXXX equity argument since he has beneficial interest, legal interest, and equitable and underlying interest of the original transaction purchase of the house, and has made improvements to the property. XXXX then pointed the judge to the ( XXXX  EXHIBITS 22 ) in that XXXX XXXX compiled a listing of his financial interest in the property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX EXHIBIT 22 ) that shows that they are the paramount interest holder of the subject property and already have a lien on the property with a large amount prior to XXXX, XXXX, XXXX XXXX XXXX then asked the judge if he insists proceeding with the case, he has made a legal determination that sections 1-308 and 1-103 of the UCC, which if the system of law that he is operating under, are they not valid law before the court. Then he just went back to as a matter of law. XXXX XXXX mentioned that he had filed multiple complaints with the CFPB, Governor, Attorney General, and Secretary of State, and DA and Sherriff and IRS, in a complaint format. We purchased a home from XXXX and XXXX XXXX and signed what has been revealed to us as a fraudulent security document first in XXXX then on XX/XX/XXXX. The NOTE that we signed was immediately monetized in XX/XX/XXXXnullifying any DEED OF TRUST or alleged mortgage, paying off the house. We had been paying out of reliance on this fraudulent security since our move in date on XXXX. It was not until recently that we filed multiple rescission ( 12 CFR 226.3 gives the right to rescind ) in XXXXXX/XX/XXXXtime frame and learned more about the transaction from a retired Wall Street banker and attorney that we hired to do a loan investigation clarifying the process around XXXX time frame. By filing the rescission letters in our paperwork we discussed the holding of the Supreme Court XXXX v. XXXX and how it nullifies the DEED OF TRUST, the document that is used to foreclose, thus with no deed of trust the unlawful detainer and fraudulent foreclosure sale is nullified..This documentation was back by ( XXXX EXHIBIT 5 ). XXXX also showed their NOTE which is their document of ownership and a CERTIFIED STAMPED DEED. All XXXX XXXX XXXX showed was copied documents from the county records. Everything was manufactured, and not original signatures and none embossed with authentic seals. XXXX objected to the evidence that it was false, fraudulent and manufactured, to the Judge XXXX XXXX XXXX. Attorney XXXX just said his paper perfecting the sale was in order. XXXX also had mentioned they hired a hand writing expert and XXXX XXXX to analyze many documents that were behind this agreement that were never disclosed to us. XXXX asked the judge if he understood about IRC XXXX Trusts involving IRC XXXX, and he has no knowledge of such things. XXXX then again made a jurisdiction argument that was not received well. One in particular XXXX spoke about a document that was used on this most recent foreclosure the THE CORPORATE ASSIGNEMENT OF DEED OF TRUST, that nullifys this current action. It was determined as being fraudulent and a manufactured document by hand writing expert XXXX XXXX, this document was brought forth in court on the XXXX for Judge XXXX XXXX to inspect. This one document nullifies the alleged forclosure as far as the ulawful detainer being based off of a fraudulent assignment since this case involved a IRC XXXX tax free IRS trust that was then fraudulently nullified in XXXX. And is a fraudulent document from expert testimony, and an invalid assignment because of the nature of the static trust it was in. Again, multiple documents that were sent our refuting any and all notices from Title 365, XXXX XXXX XXXX, and XXXX XXXX, XXXX. XXXX were sent out disputing the debt and asking for validation of the alleged debt as per 12 USC 3707 and none of the notices were responded to ( XXXX EXHIBITS 3 ). Also, XXXX mentioned that they were not contacted as per California Civil Code Section 2923.5/and 2923.55 ( C ) invalidating the chain of title of the foreclosure and this unlawful detainer action. XXXX explained that Nationstar, Title 365, XXXX XXXX XXXX recycled some paperwork from the county records from XXXX, and XXXX were never contacted for any loan counseling were it would have been determined that they did not have a loan. XXXX objected to Attorney XXXX XXXX XXXX abusing the legal process, since XXXX had already met the burden of proof for a jury trial in the XXXX Court with their exhibits and were scheduled for a JURY Trial, with Jury selection on the XXXX. XXXX also was filing fraudulent manufactured documents, while XXXX object, and XXXX filed rebuttals to all of the fraudulent documents that were not timely filed with XXXX for a proper response, some proof of services not signed by XXXX or with the incorrect plaintiffs name on the paperwork, and most all documents of XXXX XXXX, XXXX, lacking affidavits and declarations that they were authentic. Judge XXXX XXXX XXXX did not want to get into any of XXXX point by point rebuttal of affidavits, declarations or presentments of evidence by XXXX. XXXX brought up other evidence of their filings with the Consumer Financial Protection Bureau ( XXXX EXHIBITS 8 ), and he did not want to talk about any of the multiple letters sent to the XXXX XXXX XXXX DA, the California Attorney General, the California Secretary of State, or Sherriff of XXXX XXXX County XXXX XXXX putting them notice about the fraud with proof of the fraud. XXXX have contacted the FBI about this and filed a report and other Federal oversite has been contacted. XXXX reserved their rights without prejudice UCC 1-308, and other rights at without prejudice ICC 1-308, the commencement of this action and explained to the Court that they lacked jurisdiction in this matter ( XXXX v. XXXX ) in mentioned in XXXX  paperwork, since the case has already been presided on by a Federal Judge as far as the interest in the property and NATIONSTAR MORTGAGE, LLC /INC was listed in XXXX bankruptcy ( XXXX  EXHIBIT 9, back page ) and they failed to provide any proof of claim and were discharge without claim XX/XX/XXXX several years before any default judgment was filed against XXXX, or that XXXX were notified of. XXXX were not given a time to cross examine any witnesses that offered testimony or declarations or affidavits. XXXX proved from ( XXXX XXXX, XXXX EXHIBIT 6 ), that the house was not purchased ; but what was designated as an interest sale was some type of lien, but was not defined. XXXX brought up that XXXX XXXX XXXX had no standing because no contract or agreement existed between the parties. XXXX got cut off right before they were going to move the court because of XXXX XXXX, XXXX lack of standing to dismiss the matter. Recently it has been disclosed to us that we are a 3rd party beneficiaries to many of the documents that were not disclosed to us like the prospectus and the pooling in service agreements of the side running financial investment without our knowledge as part of Wall Street scheme, all nullifying any contract, for failure to disclose. We know now that there was never a valid deed of trust in place that was lawful to compel our payment, or to foreclose, and most of all of the reliance was done through mail fraud by XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, XXXX. Nationstar Mortgage, inc./LLC whom we never have had any agreement with ( XXXX ). XXXX brought up in court that in XXXX credit reports Nationstar Mortgage had reported on XXXX credit report, that before the alleged foreclosure sale XXXX balance was at {$0.00} in a paid off status as far as 3 years prior with Nationstar. So there were no monies owed to foreclose on as per NATIONSTAR, since they reported as such after it was determined a fraudulent security.The Judge XXXX then tried to help counsel XXXX by saying the records of the county showed judgments, XXXX explained that each was for court fees that were paid by XXXX to the court, no evidence was brought forth to refute XXXX claims. Judge XXXX then started to dig in the appeal record, questioning why the complaint was not amended. XXXX XXXX replyed that he filed a 20 -60 day leave to amend the complaint but it was procedurally denied by judge XXXX in the prior case. The case by its own merits has been moved to the US SUPREME COURT from starting back in XX/XX/XXXXtill now. This whole time XXXX claiming standing as secured party creditors since they have filed their UCC-1 and other filings holding the property in trust. XXXX were cut off at that time not being able to ask to move the court for judgment of dismissal based on the prima fascia evidence that XXXX provided. They believe that Attorney XXXX is doing the Summary Judgment to avoid the already scheduled jury trial for the week of the XX/XX/XXXXthrough the XXXX, since XXXX had already met the burden of proof and paid the required {$150.00} fee this matter being tranfered out of the XXXX COURT. XXXX objected to the court that the process was not per the court rules and that they received XXXX XXXX, XXXX documents on the XXXX later in the day and returned them back with XXXX responses sent in the mail on the XXXX, refuting XXXX XXXX, XXXX claims was not enough time for the court to review, in fact in what XXXX XXXX observed they did not review them. XXXX were only given 3 business days to work on the paperwork and sent them in the mail served back on the XXXX, when XXXX were in court, the court still had not received their document service, neither had Attorney XXXX. XXXX strongly object to this process and find it prejudicial to XXXX XXXX, XXXX, and that it is abuse of process since this is the second time XXXX are being denied access to a Constitutional Protection and JURY PROCEEDING. This also damages the law since it is supposed to be base of public policy of jurys, WE THE PEOPLE.XXXX have thus filed a second 11 Amendment notice for damages, and have demanded the oath of office, XXXX Form and Replevin Bond of Judge XXXX XXXX XXXX. We estimate that these bad actors working in concert with the court have caused several millions of dollars in damages to the XXXX ( 3 ). XXXX XXXX then put the court on notice that, he would be appealing the legal determination. XXXX XXXX also asked Judge XXXX if he had a judicial bond, and if he could have a copy of it. He was not answered that was audible. This is another request for the Judicial/Replevin Bond of Judge XXXX XXXX XXXX. XXXX XXXX has given XXXX XXXX permission to communicate about this matter for her. WE DECLARE UNDER PENALTY OF PERJURY UNDER THE LAWS OF THE STATE OF CALIFORNIA THAT THE FOREGOING IS TRUE AND CORRECT. EXECUTED ON THIS XXXX DAY OFXX/XX/XXXX, AT XXXX, California. 1. The acts and omissions of Defendants, and their agents, each of them, caused Plaintiffs to suffer actual damages, bankruptcy, credit damage, emotional damages, loss of good title and accrued attorney fees, potential y loss of their home which is valued as over {$670000.00} and is a non negotiable instrument since XXXX have possession of the NOTE and are not wanted to sell it or negotiate it at this time. This means that Judge XXXX XXXX XXXX is commercially liable as per 452 B. R. 876. For XXXX damages from the non-negotiable instrument. XXXX will pursue a commercial remedy in this matter. 2. The acts and omissions of Plaintiffs, and their agents, each of them, continue to cause Defandants to suffer actual damages, emotional damages loss of good title and accrued attorney fees. PRAYER WHEREFORE, Plaintiffs pray for judgment against Defendants, each of them, as follows : 1 )  For a determination that Defendants, each of them, violated CIVIL CODE 2924 2 ) For an Order enjoining the sale or encumbrance or taking of possession of the subject property by Defendants of its agents or assigns until this matter is resolved, 3 ) For an Order cancelling the NOTICE OF DEFAULT, THE ( two ) NOTICES OF TRUSTEE SALE, and the SUBSTITUTION OF TRUSTEE, any ASSIGMENTS, and any TRUSTEE DEED UPON SALE. 4 ) For determination that Defendants, each of them, committed the tort of Intentional Misrepresentations against Plaintiffs, causing harm, 5 ) For determination that Defendants, each of them, committed the tort of Conspiracy against Defendants, causing harm, 6 ) For determination that Plaintiffs, each of them, have engaged in systematic unfair and deceptive business practices in violation of BUSINESS AND PROFESSIONS CODE Section 17200, 7 ) For determination as to the historical Chain of Title of the subject Note including a determination of who current owns the note, who has standing to foreclose or re-convey the deed of trust to XXXX and to Quiet TITLE to XXXX. 8 ) Damages in an amount to be proven at trial, 9 ) Punitive damages in an amount to be proven at trial, 10 ) For Restitution in an amount to be proven at trial, 11 ) For costs of suit and reasonable attorney fees herein incurred, in this commercial remedy. 12 ) For such other and further relief as a Court may deem proper. DATED :XX/XX/XXXX Respectfully submitted, _______________________________________ XXXX XXXX XXXX,, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX","date_sent_to_company":"2017-06-18T18:48:19.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"95391","tags":null,"has_narrative":true,"complaint_id":"2549530","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NATIONSTAR MORTGAGE LLC","date_received":"2017-06-18T18:48:17.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["This matter also involves other parties at this time in <em>which</em> XXXX have filed additional complaints. The latest court record is attached. Bottom line XXXX own the NOTE and they company is trying to foreclose on a DEED OF TRUST that is null and void, XXXX provided several pieces of evidence invalidating the deed of trust and summary judgment for unlawyful detainer. XXXX also provided <em>certified</em> letters in <em>which</em> each party trying to pursue a collection action has a duty to respond to."],"sub_issue":["Debt was <em>already</em> discharged in bankruptcy and is no longer owed"]},"sort":[8.545488,"2549530"]},{"_index":"complaint-public-v1","_id":"7099201","_score":8.171645,"_source":{"product":"Mortgage","complaint_what_happened":"Below is an excerpt from a notarized affidavit sent to PHH Mortgage Services on XX/XX/XXXX. \n\nXXXX. XXXXXXXX XXXX used the credit and signatures of ********** and ******** : to create a mortgage security with a value of {$150000.00} with an account number *********** in XX/XX/XXXX. \nXXXX. The servicing of the alleged debt was transferred to PHH MORTGAGE d/b/a PHH MORTGAGE SERVICES, a subsidiary of Ocwen Financial. \nXXXX. The current balance of alleged debt is {$84000.00}. \nXXXX. Winding v. Frear ( In re Bolens ) XXXXXXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX states Every taxpayer is a cestui que trust having a sucient interest in preventing abuse of the trust to be recognized in the eld of this courts prerogative jurisdiction as a relator in the proceeding to set a sovereign authority in motion by action XXXX. I now know that I am the beneficiary of the XXXX XXXX XXXX associated with the Social Security number of************* and am not the Trustee. \nXXXX. PHH MORTGAGE CORPORATION and its corporate officers, et al are the Trustee ( XXXX ) in this action. \nXXXX. A negotiable instrument NO. XXXX for {$90000.00} was tendered in good faith for payment in full of presentment number XXXX and settlement and discharge of all alleged debt. \nXXXX. This negotiable instrument contained clear instructions in the memo on how to process it and that it was not a check. \nXXXX. The negotiable instrument was sent via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX to PHH MORTGAGE SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX by XXXX XXXX on XX/XX/XXXX as evidenced by the green return receipt # XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX. Instrument NO. XXXX was transferred to PHH Mortgage Services Cash Management Department in XXXX XXXX XXXXXXXX XXXX. \nXXXX. The green read receipt of serves as evidence of a contract between ******************* and PHH MORTGAGE SERVICES via the Postal Rule. \nXXXX. The contract formed via the Postal Rule was not cancelled within the commercially accepted XXXX hour cooling down period. \nXXXX. On XX/XX/XXXX, XXXX NO. XXXX was shipped via UPS Next Day Air by XXXX XXXX with a computer generated letter from the XXXX XXXX Department stating it was returning my check because it was fraudulent and was received by me on XX/XX/XXXX. \nXXXX. PHH MORTGAGE SERVICES maintained possession of negotiable instrument NO. XXXX from XX/XX/XXXX XX/XX/XXXX ( XXXX calendar days, XXXX business days ) XXXX. This negotiable instrument NO. XXXX was returned, under claim of fraudulent check with the transactional marks XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX printed on the back of the instrument, evidencing it as a cash receipt provided to me and indicating a cash payment of {$90000.00} to PHH MORTGAGE SERVICING and fulfilling all obligations of*********and ************ in regards to loan ***********. \nXXXX. After processing negotiable instrument NO. XXXX, PHH MORTGAGE SERVICES maintained possession of negotiable instrument NO. XXXX from XX/XX/XXXX XX/XX/XXXX ( XXXX calendar days, XXXX business days ). \nXXXX. At the time of the drafting of this conditional acceptance, our account ( loan XXXX ) has not been credited with the {$90000.00} offered. \nXXXX. There must be a discharge of debt in its entirety under the Fair Debt Collection Practices Act and Regulation Z Truth-in-Lending Acct ( TILA ) with the XXXX  day time frame as mandated by law. 30 days from XX/XX/XXXX is XX/XX/XXXX. \nXXXX. PHH MORTGAGE having accepted my tender of payment for presentment number XXXX, and have not returned the mailed presentment ( Title USC 1700-1709 ), can not be the creditor of the said presentment. Under UCC 3-409 ( a ) & ( b ) and UCC 3-604 ( a ), PHH MORTGAGE did not adjust its accounting ledger to reflect the settlement and closure of the accounts receivable side of its accounting ledger. \nXXXX. By returning instrument NO. XXXX with the claim that it is a fraudulent check, PHH MORTGAGE has acted in dishonor according to UCC 3-305. \nXXXX. Additionally, UCC 3-603. TENDER OF PAYMENT ( b ) states If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. \nXXXX. Since PHH MORTGAGE SERVICES having accepted my tender of payment for presentment number ***************, and have not returned the mailed presentment, I have a claim or possessory right in the instruments and their proceeds under UCC 3-306 and all defense and claims in recoupment under section UCC 3-305 , which I exercise now, since PHH MORTGAGE SERVICES has not credited the account. \nXXXX. I, **************, have an offset available to me, due to the lack of full disclosure by PHH MORTGAGE SERVICES ( see UCC UCC 3-305, 3-306 for unconscionable contracts ). The Fair Debt Collection Practices Act, Title 15 USC 1601, 1692, 1693 provides remedies for deceptive or unconscionable contracts and allows payments in any legal tender ( UCC 1-2-1 ( 24 ), HJR-192, Public Law 73-10, Title 31 USC secc 5118d ( 2 ) ) 25. I, ***************, as agent for ******************, give International Notice of Claims for a set off and recoupment to have the assets cancel out the liabilities according to : FAS 140 ; UCC 3-305, UCC 3-601 , UCC 8-105, UCC 9-404 and the GAAP regarding this matter. \nXXXX. PHH MORTGAGE SERVICES under Federal Financing Accounting Standards ( FAS ) is required to look at its balance sheet, FAS 95 and offset the debt that the corporation owes the debtor pursuant to FAS 140. \n\nGiven these facts, I asked for the following from PHH Mortgage Services Certificate of Service and Interested Parties However, your refusal to accept my payment to discharge my alleged debt by tendering in good faith negotiable instrument NO. XXXX under claim of fraudulent check, is conditionally accepted by me, ***************, beneficiary with the following conditions : Conditional Acceptance of Your Offer Conditions : Within XXXX ( XXXX ) calendar days of the date of receipt of this Conditional Acceptance sent certified mail return receipt, you deliver to me the following : XXXX In order to verify that instrument NO. XXXX was not processed and deposited as a cash payment, please provide : a. A true and certified copy of the complete statement of said account. ( Request regarding a statement of account '' means a record authenticated by a debtor requesting that the recipient approve or correct a statement indicating what the debtor believes to be the aggregate amount of unpaid obligations secured by collateral as of a specified date and reasonably identifying the transaction or relationship that is the subject of the request. ( XXXX ) UCC 9-210. ) b. Audit certification of debt entry in accordance with FAS 140, Generally Accepted Accounting Practice ( G.A.A.P. ), XXXX XXXX XXXX XXXX ( XXXX. ), the XXXX XXXX XXXX, and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) conventions. \n\nXXXX. Please provide evidence that as a Corporation registered in XXXX XXXX and/or specically in the State of South Carolina that you are not bound by XXXX XXXX XXXXXXXX and XXXX and the Uniform Commercial Code. \n\nXXXX. Please provide evidence that the Uniform Commercial Code ( UCC ) is not the comprehensive set of laws governing all commercial contracts in the United States. \n\nXXXX. Please provide evidence of the corporations exemption status of Article XXXX of the Uniform Commercial Code covering commercial paper such as draft, promissory notes, checks, are not acceptable as a means to satisfy payments. \n\nXXXX. Please provide substantial evidence to the contrary that banks are required to give a cash receipt to a customer when given a negotiable instrument for deposit in return for a cash payment to the bank. \n\nXXXX. Please provide substantial evidence to the contrary that negotiable instrument NO. XXXX was not processed and returned to me in the form of a cash receipt for a cash payment to PHH MORTGAGE Corporation, its subsidiaries, any of its financial partners or any other financial institution. \n\nXXXX. Produce substantial evidence to the contrary that the national economic emergency of the Bankruptcy of the United States in XXXX is still ongoing. And that a national remedy for discharge and acquittance was already established pursuant to 12 USC 95 and 50 USC 4305 ( b ) ( 2 ).\n\n8. Produce substantial evidence to the contrary that Congress of the United States did legislate and provide the American People a remedy/means to discharge all debt and make purchases dollar for dollar via HJR-192 due to the declared Bankruptcy of the Corporate United States via the abolishment of the Constitutional Coin and Currency .\n\n9. Produce substantial evidence to the contrary that the lawful coin ( i.e. organic medium of exchange ) and the former ability to pay debts and make purchases has been replaced with at, paper currency, with the limited capacity to only discharge debts. \n\nXXXX. Provide evidence of a XXXX on my property when it is not possible for any money to have been borrowed by me. Notes, bonds and evidences of debt are not money ( XXXX Law XXXX XXXX ). \n\nXXXX. Please provide evidence to the contrary that Negotiable Instruments are not used for purposes of payments of goods or services. Please provide evidence to the contrary that Negotiable Instruments are not used as a cash substitute. \n\nXXXX. Please provide substantial evidence to the contrary that that I have a claim or possessory right in the instruments and their proceeds under UCC 3-306 and all defense and claims in recoupment under section UCC 3-305 . \n\nXXXX. The Offer of payment of that certain sum of money that Debt Collector alleges/asserts, via the Presentment, constitutes Respondents debt, duty, obligation, and liability, including interest and penalties, is made dependent upon performance by Debt Collector of Conditions Precedent concerning which Respondent/Offeror is XXXX XXXX XXXX fundamental principles of American Jurisprudence and law ; namely, provision by Debt Collector of verification of the alleged debt, accompanied by documentary evidence establishing the factual basis for Debt Collectors claim for payment asserted within Debt Collectors above referenced Presentment, i.e. validation of Debt Collectors right for collecting the alleged debt In order to properly validate the alleged debt, we require XXXX XXXX to provide : XXXX. A valid contract signed in wet ink by both parties, confirming bilateral consent. \nXXXX. A true and certified copy of the complete XXXX XXXX of said account including. \nXXXX. Audit certification of debt entry in accordance with Generally Accepted Accounting Practice ( G.A.A.P. ), XXXX XXXX XXXX XXXX ( XXXX. ), the XXXX XXXX XXXX, and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) conventions. \nXXXX. A copy of your XXXX XXXX certificate. \n\n\nOn XX/XX/XXXX, PHH Mortgage Services was sent a Certificate of Dishonor and a Notice of Discharge. Below is the text of that notice : Please file this XXXX of XXXX # XXXX providing evidence of dishonor pursuant to U.C.C. 3-505 EVIDENCE OF DISHONOR certifying that you have dishonored the Negotiable instrument # XXXX tendered by me, ************** for payment of {$90000.00} on XX/XX/XXXX for alleged loan # XXXX. \na. The instrument # XXXX was dishonored on XX/XX/XXXX per U.C.C. 3-502 DISHONOR ( b ) ( XXXX ), which states ( XXXX ) If a draft is payable on a date stated in the draft, the draft is dishonored if ( i ) presentment for payment is duly made to the drawee and payment is not made on the day the draft becomes payable or the day of presentment, whichever is later, or ( ii ) presentment for acceptance is duly made before the day the draft becomes payable and the draft is not accepted on the day of presentment. \nb. Notice of dishonor was given to XXXX XXXX ( received XX/XX/XXXX ) by way of a notarial protest and affidavit in the form or Private International Administrative Remedy Demand No. XXXX dated XX/XX/XXXX. XXXX. XXXX NOTICE OF DISHONOR states ( b ) Notice of dishonor may be given by any person ; may be given by any commercially reasonable means, including an oral, written, or electronic communication ; and is sufficient if it reasonably identifies the instrument and indicates that the instrument has been dishonored or has not been paid or accepted. Return of an instrument given to a bank for collection is sufficient notice of dishonor. \n\nAny and all alleged debt or obligation due PHH Mortgage by XXXX has been fulfilled and discharged based on the following facts : a. XXXX of XXXX was made and refused. XXXX U.C.C. 3-603 ( b ) - ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. \nb. P.H.H. Mortgage XXXX any obligation of ********* : and ********* when they returned the processed instrument # XXXX on XX/XX/XXXX. XXXX XXXX. XXXX DISCHARGE BY CANCELLATION OR RENUNCIATION, which states : ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party,. \nXXXX XXXX of XX/XX/XXXX, XXXX. Mortgage and its representatives have remained silent and have provided no rebuttal to the submitted affidavit since receiving Private International Administrative Remedy Demand No. XXXX. Therefore, per the XXXX Maxims of XXXX XXXX, XXXX. Mortgage has acquiesced and tacitly agrees to all the facts and demands contained within the reference Remedy Demand through their silence. \n\n\n\nI do not wish to continue this matter further. Please process release of XXXX of my property with all XXXX XXXX XXXX of Deeds and XXXX offices.","date_sent_to_company":"2023-06-10T19:57:24.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"29072","tags":null,"has_narrative":true,"complaint_id":"7099201","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2023-06-10T19:36:07.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Below is an excerpt from a notarized <em>affidavit</em> sent to PHH Mortgage Services on XX/XX/XXXX. \n\nXXXX. XXXXXXXX XXXX used the credit and signatures of ********** and ******** : to create a mortgage <em>security</em> with a value of {$150000.00} with an account number *********** in XX/XX/XXXX. \nXXXX. The servicing of the alleged debt was transferred to PHH MORTGAGE d/b/a PHH MORTGAGE SERVICES, a subsidiary of Ocwen Financial. \nXXXX. The current balance of alleged debt is {$84000.00}. \nXXXX. Winding v."]},"sort":[8.171645,"7099201"]},{"_index":"complaint-public-v1","_id":"9983936","_score":7.880961,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I want to bring an action against Freedom Mortgage Corporation under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5564 ( a ), and the Home Mortgage Disclosure Act ( HMDA ), 12 U.S.C. 2804 ( b ) ( 1 ) ( B ), ( d ), and its implementing regulation, Regulation C, 12 C.F.R. 1003, and alleges as follows : Please provide the following : 1. Original, non-photocopied agreement granting the authority to collect on the alleged debt, signed by all parties and agents/representatives.\n\n2. Certified copy of the executed Mortgage Loan Purchase Agreement.\n\n3. Certified copy of the executed Custodial Agreement ( the Mortgage Loan Documents ).\n\n4. Certified copy of the Mortgage File, including the mortgagee policy of title insurance and any Mortgage Loan Documents delivered to the Trustee or Custodian, along with documents returned from the recording office. \nXXXX. Copy of the Acceptance of XXXX I by XXXX XXXX XXXX XXXXXXXX I, XXXX XXXX XXXX Interest, and the Regular Certificates beneficial ownership interest in XXXX XXXX XXXX \nXXXX. Proof of compliance with Section 860 of the Internal Revenue Code. \nXXXX. Declaration that the original Promissory Note has not been converted into a stock as a permanent fixture, is not a stock, and is exempt under the rules and regulations of the SEC. \nXXXX. Proof that the note was not converted into a stock or stock equivalent. \nXXXX. Declaration that the original deed of trust was transferred concurrently with the legal transfer of the note. \nXXXX. Any insurance claims made by any creditor regarding this account. \nXXXX. Any judgments obtained by any creditor regarding this account. \nXXXX. Name and address of alleged creditor. \nXXXX XXXX XXXX, XXXX as I am The True Creditor Not Debtor XXXX. Name on file of alleged debtor. \nXXXX. Alleged account number. \nXXXX. Address on file for alleged debtor. \nXXXX. Amount of alleged debt. \nXXXX. Date this alleged debt became payable. \nXXXX. Date of original charge off or delinquency. \nXXXX. Verification that this debt was assigned or sold to Freedom Mortgage Corporation. \nXXXX. Produce a Complete accounting of alleged debt. Public and Private side of the Ledger. \nXXXX. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; As well as self-liquidating paper ( 17 CFR 260.1 1b ( 6 ) ). \nXXXX. Provide Documented Evidence from Your Sec Filings That The Financial Asset Isnt being Sold On the Secondary Market. \nXXXX. Provide Documented Evidence that this obligation didnt become an obligation of your Indentured Trustee. \nXXXX. Please provide evidence to the contrary that Negotiable Instruments are not used as a cash substitute. \nXXXX. Please provide evidence to the contrary pursuant to TITLE XXXX of the United States Code MONEY AND FINANCE, that Negotiable Instruments are not a circulating note of the Federal Reserve Banks and National Banking Associations. \nXXXX. Please provide proof and the legal authority that gives you the right or standing to claim that a remittance coupon can not be used as payment/ credit towards the account if endorsed properly. \nXXXX. I require you to file the 1099A & 1099C. For Remedy of this matter.\n\n28. Show cause why you should not be charged with Treason and Conspiracy to Commit Treason for overthrowing the Constitution for the United States of America Article III Judiciary. 29.18 USC 242 and 42 USC 1983 provide that : Whoever, under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or Laws of the United States, shall be fined under this title or imprisoned not more than one year, or both, 42 USC 1983 further provides that a violator shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress. Please Provide Your Exemption Status to the Constitution that allows you to act under color of law, and deprive I the Beneficiary of the Constitutional Trust and Beneficiary of the Trust/Surety XXXX XXXX XXXX of my rights, privileges, or immunities secured or protected by the Constitution or Laws of the United States XXXX \nXXXX. Please Provide Documented Evidence That You Have Destroyed the previously Presented Tender I XXXX XXXX XXXX, Beneficiary Presented for Set-off. \nXXXX. Please Provide the Accounting That Shows That You issued a Loan from Your Banks Capital. From both Sides of the Ledger. \nXXXX. FREEDOM MORTGAGE CORPORATION and its corporate officers and agents, et al are the Trustee/Fiduciary in this Trust action and Fiduciary Relationship. Please Provide Documented Evidence That You are Not Trustees with a fiduciary duty to do Whats Beneficial Towards the Trust only. \nXXXX. Show evidence proof that FREEDOM MORTGAGE CORPORATION did not sell my note in order to securitize it, in violation of 15 USC 78c Section 10. \nXXXX. Show evidence proof that FREEDOM MORTGAGE CORPORATION did not use XXXX : XXXX 's signature to access XXXX XXXX XXXX CESTI QUE TRUST account, for the funds acquired to be loaned to XXXX XXXX XXXX, Beneficiary and FREEDOM MORTGAGE CORPORATION did not become the intermediary and fiduciaries for the Principal and Beneficiary XXXX XXXX XXXX XXXX XXXX and XXXX account XXXX XXXX XXXX XXXX XXXX Show evidence proof that FREEDOM MORTGAGE CORPORATION did not fail as Trustees for XXXX XXXX XXXX QUE TRUST as indicated via XXXX : XXXX 's Social Security number which was obtained by your company. \nXXXX. Show evidence proof that FREEDOM MORTGAGE CORPORATION can prove there is lawful money for Americans to repay a debt. \nXXXX. FREEDOM MORTGAGE CORPORATION shows proof of XXXX XXXX XXXX giving FREEDOM MORTGAGE CORPORATION permission to be Beneficiary over XXXX : XXXX, XXXX CESTI QUE TRUST Account. \n\nXXXX. FREEDOM MORTGAGE CORPORATION has fully followed the law of Regulation Z as enforced by the FTC. \n\nXXXX. Show evidence proof that FREEDOM MORTGAGE CORPORATION will NOT be damaged by non ( re ) payment of the alleged loan to XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. \n\nXXXX. Show evidence proof that FREEDOM MORTGAGE CORPORATION has not taken out insurance in the event of non ( re ) payment of alleged loan where FREEDOM MORTGAGE CORPORATION would be 100 % compensated in case of a non ( re ) payment of alleged loan. \n\nXXXX. Show evidence proof that FREEDOM MORTGAGE CORPORATION can prove that repossession is constitutional. \n\nXXXX. Show evidence proof that FREEDOM MORTGAGE CORPORATION can prove that lending bank money is lawful. \nXXXX. Show evidence proof that FREEDOM MORTGAGE CORPORATION proves that lending investors money is lawful. \nXXXX. The following requests are made : XXXX. Provide evidence that FREEDOM MORTGAGE CORPORATION can prove that XXXX XXXX XXXX 's signature did not create the funds. \n\nXXXX. Provide evidence that FREEDOM MORTGAGE CORPORATION and the Dealer acted in good faith and disclosed full details to XXXX XXXX XXXX at the time of signing the note. As an Assignee of the Note, they are subject to act in good faith and disclose all material information in this fiduciary relationship. \n\nXXXX. I demand to see the original securities signed by me with the trust business entities \" STATE OF FLORIDA '' and/or XXXX XXXX XXXXXXXX and/or \" XXXX XXXX XXXXXXXX '' and/or \" XXXX OF FLORIDA DEPARTMENT OF SAFETY AND HOMELAND SECURITY , '' wherein the language is written that I was relinquishing my lawful status as a human and/or as the human beneficiary of the XXXX XXXX XXXX XXXX and thereby becoming the Trustee of said trust. \nXXXX. Additionally, I need to see if the original securities have, indeed, been filed with the DTC as securities to support whether or not your business net worth has increased through your use of my credit and the Trusts-credit ; XXXX. The documentation you present is confusing in as much as you relate the alleged defendant to be the Trust XXXX XXXX XXXX, and not the beneficiary of said trust ; therefore, I need written clarification as to precisely who or what was intended as the contractors, and if different than what is written why have you not addressed XXXX points as Fiduciary Agents With a duty to act in Good faith with the best interests of the beneficiary. \nXXXX. For example : Your documentation designates the contracted as XXXX XXXX XXXX and that name is connected to the SSN/TIN issued by the Social Security Administration as a Trust wherein XXXX XXXX XXXXXXXX XXXX XXXX is the Man that is the beneficiary ; hence, you know very well that I can not be the Trustee of said Trust with authority to agree to anything in relation of the Trust. \nXXXX. Additionally, I can not understand what is intended as what the alleged real parties in interest are, therefore, evidence of who or what is intended as the real parties in interest. \nXXXX. Show evidence proof that to support that you were not creating an action against the Trust which you could not possibly have committed the action so charged because it is a fiction of law ; Evidence that you, the Accused, did not fraudulently collect from both me and the XXXX XXXX XXXX XXXX. \nand that you are not attempting to collect from me and the XXXX XXXX XXXX XXXX. \nXXXX. Show evidence proof that you, or your officers, agents, brokers and/or intermediaries have not collected a considerable amount of monies from the Trust SDT through merchant Trustees FREEDOM MORTGAGE CORPORATION having fraudulently created three ( 3 ) plus bonds on the case ; XXXX. Explain why neither I nor the XXXX XXXX XXXX XXXX was paid the royalties from these bonds created by XXXX FREEDOM MORTGAGE CORPORATION. As a Fiduciary in this Relationship that is a Breach of Fiduciary Duties Justifying that You are Compensating Yourselves which is a conflict of Interest. \nXXXX. Show evidence proof that Official verification as to precisely what is to be used as payment ; XXXX. As the Trustees, which you volunteered to be the Trustees/Fiduciary, send me a full accounting of all activity in the XXXX XXXX XXXX XXXX from its inception public and private so that I XXXX have this for my records. \nXXXX. Please provide evidence that as a Financial Institution registered in XXXX XXXX and/or specifically in the STATE OF FLORIDA, you are not bound by the FLORIDA statutes and the Uniform Commercial Code. \nXXXX. Please provide evidence that the Uniform Commercial Code ( UCC ) is not a comprehensive set of laws governing all commercial contracts in the United States. \nXXXX. Please provide evidence of your institution 's exemption status to Article XXXX of the XXXX XXXX XXXX that covers commercial paper such as drafts, promissory notes, and Checks, are not acceptable as a means to satisfy and or discharge financial obligations. \nXXXX. Please provide evidence to the contrary that Negotiable Instruments are not used for purposes of payments of goods. \nXXXX. Please provide evidence to the contrary that Negotiable Instruments are not used as a cash substitute. \nXXXX. Please provide evidence to the contrary pursuant to TITLE XXXX of the United Code XXXX AND XXXX, that Negotiable Instruments are not a circulating note of the Federal Reserve Banks and National Banking Associations. \nXXXX. Please provide proof that a remittance coupon can not be used as payment/ credit towards the account if endorsed properly. \nXXXX. I require you to file the 1099A & 1099C. AFTER REMEDY OF THIS MATTER. \nXXXX. Show cause why you should not be charged with XXXX and Conspiracy to Commit Treason for overthrowing the Constitution for the United States of America Article III Judiciary 64. Provide the Lien UCC1 filed with the States Attorney Validating Your Claim. Not a Copy of The Title Showing FREEDOM MORTGAGE CORPORATION. But a Valid UCC1 filed With the States Attorney General and or Florida Secretary of State under Seal. \nPlease provide the name and address of the bonding agent for FREEDOM MORTGAGE CORPORATION in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards XXXX XXXX XXXX, XXXX. \nEvery taxpayer is a cestui que trust having a sufficient interest in preventing abuse of the trust to be recognized in the field of this courts prerogative jurisdiction as a relator in the proceeding to set a sovereign authority in motion by action In re XXXX XXXX XXXX. XXXX XXXX ( XXXX ) supreme Court Wisconsin FREEDOM MORTGAGE CORPORATION, CEO, AND CFO HAVE 30 DAYS TO RESPOND AND REBUT ITEM BY ITEM VIA SWORN TESTIMONY UNDER PENALTY OF PERJURY IN AFFIDAVIT FORM. FAILURE TO RESPOND AFTER RECEIPT OF THIS AFFIDAVIT IS AGREEING TO THIS AFFIDAVIT BY MAXIMS OF LAW. IN FAILURE TO RESPOND WILL CONSTITUTE AQUIESCENCE, THEREFORE, I WILL CONSIDER THIS ACCOUNT BROUGHT TO XXXX, AND THE ACCOUNT IN SATISFACTORY STATUS. \nI hereby serve you with the foregoing facts and charges. If the you does not respond to the facts and charges herein enumerated and articulated with the facts and law supporting in denial and or objection within ( XXXX ) days, all facts and charges are thereby acquiesced to by you. \nFailure to object timely means you waive the objection. You, The Trustees and your principals, therefore, hold responsibility for these actions you executed for the Trust corporations along with the Trusts involved. This Conditional Acceptance gives witness to your crimes and actions. A Public official is a fiduciary toward the public, including in the case of a judge, the litigants who appear before him and if he deliberately conceals material information from them he is guilty of fraud, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ). Public officials are also trustee [ XXXX ] and servant [ XXXX ] of the people, XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX, XXXX ( XXXX ). Public office is a public trust or agency for the benefit of the people to be administered under legislative control in the interest of the people. State XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Supreme Court of Montana ( XXXX ). \nSince logic and common-sense dictate that you would not have committed these acts without already having this information supra readily available, I hereby hold FREEDOM MORTGAGE CORPORATION in violation of Constitutional Law, the Common Law and the abrogation of the Common Law known as statutes, see Title 18 United States Code [ hereinafter 18 USC ] USC 1341 and 18 USC XXXX XXXX Criminal fraud ; Conspiracy to commit fraud ; Commercial misconduct ; Malicious Practices ; Malfeasance of office ; Conspiracy against my Rights ; see Title 18 USC 241 ; Deprivation of Rights under color of Law, 242 ; Falsifying legal documents, 1001 ; Double Dipping, and other crimes specified and supported herein as well as mail fraud. Fraud vitiates all contracts.\n\nCertificate of Service and Interested Parties However, your claim is conditionally accepted by XXXX XXXX XXXX, XXXX as the man and the beneficiary, if it was/is intended to relate to me, with the following conditions : If, on the other hand, you, the Trustees, and your principals, can not satisfy these conditions in the time allotted, allowing for a reasonable extension if requested must be in writing stating the specific time needed, and the reason why. Amongst other facts addressed in this Conditional Acceptance of your Offer to me XXXX XXXX XXXX, XXXX, the Trustees and your principals, willfully, knowingly, and maliciously were seeking to commit fraud against me XXXX XXXX XXXX XXXX and deprive me XXXX XXXX XXXXXXXX of my rights and property both against XXXX XXXX XXXXXXXX and XXXX Social Security XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, you hereby contract to the following : XXXX. For any injuries to me XXXX XXXX XXXX, XXXX the Trustees and their principals are indebted to me XXXX : XXXX XXXX XXXX for XXXX XXXX XXXX and no cents ( {$200000.00} ) Dollars jointly or severally in the money of account of the United States of America , Article I , Section 10 [ 1 ], wherein it states, 2. No State shallmake anything but gold and silver Coin a Tender in Payment of Debts. If you have no gold and silver Coin then I will receive without prejudice Federal Reserve- Notes, a Bank-draft XXXX or the like in lieu of the gold and silver Coin for the sum total. \nXXXX. Furthermore, witnessed through this Conditional Acceptance you willfully and knowingly injured me, so I have the authority to create a Claim of Lien against you each and file a financing statement against you each supporting my lien as I deem necessary to protect me, my property and my rights if needed at any time. Additionally, to facilitate my rights under this Conditional Acceptance and Security Agreement you agree that I have your Power of Authority/Attorney to file anything to bring about the payment of this debt and protect me, my property, and my rights and that you have no right of action or recourse in any action at law, action in equity or Admiralty or any other law herein written or implied against me or my filings. Additionally, you agree that you grant your Power of Authority/Attorney to me XXXX : XXXX XXXX Beneficiary so that I am able to collect the damages through a lien, UCC-1, UCC-3, Treasury forms 1040-V, 1096 and 1099-A and 1099-OID. \nXXXX. Additionally, you agree that every year an additional set of liens can be filed with the Treasury if such injury to me persists on a yearly basis. It is understood that even though a Treasury Form 1040 is for a Tax Class 2 and the 1099- A and 1099-OID are a Tax Class 5, I do not know any other way of filing this debt for collection other than to use these forms, so I use them without prejudice. \nThe ability to place a lien upon a ( wo ) mans property, such as to temporarily deprive him ( her ) of its beneficial use, without any judicial determination of probable cause dates back not only to XXXX XXXXXXXX but also to XXXX times. United States Supreme Court, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. \nI, XXXX XXXX XXXX, XXXX do hereby avow that based upon my firsthand knowledge and information relayed to me from research, this Conditional Acceptance, is true, accurate and correct to the best of my knowledge, information and belief and conveys the conditions set forth under this Conditional Acceptance as intended by me the man and by me the human Principal/Beneficiary to and human beneficiary of the Social Security Cestui que XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nI do in good faith expect you to handle these matters with ordinary care to address all subject matter.","date_sent_to_company":"2024-08-30T02:22:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34786","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"9983936","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2024-08-30T01:55:00.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["number <em>which</em> was obtained by your company."]},"sort":[7.880961,"9983936"]},{"_index":"complaint-public-v1","_id":"6707743","_score":7.7681627,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"It has been brought to my attention that there are Billing Errors with my Auto Loan with Capital One Auto Finance per 12 CFR Part 1026 ( Regulation Z ).\n\nI have reached out to them to correct the matter several times and have not received any correspondence back.\n\nThere was lack of Full Disclosure, Deception, Deceit, Fraud and Racketeering.\n\nI sent a billing error dispute resolution with cover letter, cease and desist, affidavit of truth, exhibits and certified mail receipts.\n\nFact, I am a federally protected consumer and holder in due course pursuant UCC 3-306. \n\nFact, the account in question was opened in XXXX, XXXX, with, CAPITAL ONE FINANCIAL CORPORATION, using my personal identification and credit card information as defined in XXXX U.S.C. 1602 ( l ).\n\nFact, an account pursuant 12 CFR 1002.2 ( a ) means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit. \n\nFact, since opening the account in question in XXXX of XXXX, I have paid a monthly bill to CAPITAL ONE FINANCIAL CORPORATION, online, using my personal debit card information. \n\nFact, I, the affiant, have received several statements including the subject matter of an attempt to collect an alleged debt for Account number XXXX. \n\nFact, I, the affiant, have reason to believe and do so believe that all past, present, and future billing statements received by CAPITAL ONE FINANCIAL CORPORATION are billing errors under 12 CFR 1026.13 ( a ), beginning with the date the account was opened XXXX XXXX XXXX. \n\nFact, I, the affiant, am aware that CAPITAL ONE FINANCIAL CORPORATION, failed to provide me with the General Disclosures which are requirements pursuant 12 CFR 1026.17 and is a violation of said section.\n\nPursuant to 12 CFR 1026.13 - Billing Error Resolution I, XXXX XXXX, dispute account number XXXX in the amount of {$33000.00}. I have submitted correspondence to CAPITAL ONE FINANCIAL CORPORATION to rectify this matter and it has yet to be resolved. \n\nFact, I, the affiant, am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583, to explain and address such subject matter contained in said billing statements. I'd like to access both the journal and credits of the account, as well as the ledger and debits of the account, in order to verify the current accounting and taxes related to this account. \n\nPlease furnish documentary evidence in accordance with 15 U.S. Code 44 of record of accounts where CAPITAL ONE FINANCIAL CORPORATION awarded me, XXXX XXXX, with any payment pertaining to this alleged debt. \n\nPursuant to 15 U.S. Code 1666b ( a ) Notice, it is a fact, affiant is aware 15 U.S. Code 1637 ( b ) ( 2 ) ( a ) refers to a request to resolve a billing error by providing all documentary evidence for clarification of who funded this account and whose obligation it is to pay this alleged debt on this account # XXXX. Until then, CAPITAL ONE FINANCIAL CORPORATION can not report late payments in accordance with the regulations of the Bureau 12 CFR 1026.13 ( d ) ( 3 ).\n\nPursuant to 15 U.S. Code 1666 ( e ) If the creditor does not provide all documentary evidence as defined under 15 U.S. Code 44 this will result in a billing error and the creditor forfeits all rights to collection on the amount that has been identified in dispute.\n\nNotice, it is fact affiant is aware that without resolving this billing error the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S. Code 1666 ( e ).\n\nFact, I, the affiant, hereby invoke my right as a consumer to withhold all past, present, and future disputed amounts pursuant 12 CFR 1026.13d ( 1 ). \n\nFact, I, the affiant am aware, that, CAPITAL ONE FINANCIAL CORPORATION as the creditor may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by CAPITAL ONE FINANCIAL CORPORATION will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for CAPITAL ONE FINANCIAL CORPORATION for the actual damage caused to I, the affiant. \n\nFact, I, the affiant am aware, CAPITAL ONE FINANCIAL CORPORATION, can not and shall not restrict nor limit nor cause any disruption of any manner of the account in question pursuant 12 CFR 1026.13d ( 3 ), a creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. \n\nFact, I, the affiant am aware, that, in accordance with 16 C.F.R. 433.3 CAPITAL ONE FINANCIAL CORPORATION is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as the affiant, may invoke his rights as the debtor in this consumer credit contract against CAPITAL ONE FINANCIAL CORPORATION for the unfair and deceptive practices herein as no contract after the date of XX/XX/XXXX is exempt from 16 C.F.R. 433.3.\n\nFact, in accordance with 15 U.S.C. 1666d, if there is a credit of account balance with surplus over {$1.00} dollar in accordance with the journal and ledger entries described in IRS Publication 583, the amount balance should be credited and the remaining balance directed to I, the consumer by check. As this is a formal instruction in accordance with 15 U.S.C. 1666 ( b ) ( 2 ) to provide documentary evidence, which includes books of account in accordance with 15 U.S.C. 44 to resolve this billing error, the documentary evidence, which includes books of account in accordance with 15 U.S.C. 44, must be provided to clarify this amount.\n\nFact, I, the affiant, am aware, with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on all past, present, and future amounts in dispute pursuant to Title 15 U.S.Code 1666 ( e ) Fact, CAPITAL ONE FINANCIAL CORPORATION shall follow the following procedures as defined pursuant 12 CFR 1026.13 ( e ) : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable ; and ( 2 ) Mail or deliver a correction notice to the consumer. I hereby demand that all future coupons be sent to my place of abode, as listed on the account in question, in the form of a check, from XXXX of XXXX, current, and future payments. \n\nPursuant to 12 U.S. Code 5562 ( c ) ( 10 ) - Production of Document Material Notice, it is fact affiant is aware the consumer has the right to request the money audit trail. I am requesting this documentary material in accordance with 12 U.S. Code 5562 ( c ) ( 10 ) to address this subject matter. Without this documentary evidence, there is no evidence of this alleged debt.\n\nPursuant to 12 U.S. Code 1831n ( 2 ) ( a ) - GAAP Audit Trail, Accounting and Insurance Notice, it is fact affiant is aware the consumer has the right to request the GAAP Audit Trail in accordance with 12 U.S. Code 1831n ( 2 ) ( a ), and without this documentary evidence to properly address this subject matter, there is no evidence of this alleged debt.\n\nPursuant to 16 CFR 433.3 ( b ) ( 4 ) a contract which in a contract that includes a waiver, condition or limitation for a debtor to assert rights for claims or defense against a seller is void.\n\nNotice it is fact in accordance with 15 C.F.R. 433.3 ( b ) ( 4 ) I the affiant has reason to believe and do so believe a contract can not and does not constitute as documentary evidence or contain a negotiable instrument or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer such as I, XXXX XXXX, the affiant any right to assert against any holder of a contract with any and all legally sufficient claims and defense which could be asserted against the seller of goods and services and in all subject matter pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) said contract is unenforceable and void Notice in fact a contract has not given the consumer the full disclosure of said contract with any written, oral, known or unknown subject matter shall not constitute as documentary evidence.\n\nI the affiant has reason to believe and do so believe CAPITAL ONE FINANCIAL CORPORATION has failed to meet all requirements established in 16 C.F.R. 433.2 ( a ).\n\nFact, without an affidavit response with a rebuttal, point for point, then I am conditionally accepting your non-reasonable response, as frivolous, and I will file fault judgment in the favor of the interest of I the consumer, holder in due course, attorney, and administrator in fact.\n\nFact, I, the affiant am aware, an unrebutted affidavit stands as truth in commerce.\n\nFact, I, the affiant, am invoking my rights pursuant to 15 U.S.Code 1692c ( c ), I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit herein.\n\nFurthermore, CAPITAL ONE FINANCIAL CORPORATION used my open-ended credit plan in accordance with 16 C.F.R. 433.2 ( a ) to furnish which furthermore proves they did not extend credit to me in regard to this alleged debt.\n\nPursuant 15 U.S. Code 1692e ( 2 ) false character, amount, or legal status of any debt.\n\nNotice it is fact that I the affiant am aware that the false character of the amount of this alleged debt is in violation of 15 U.S. Code 1692e ( XXXX ) ( a ). XXXX has proof of this violation as CAPITAL ONE FINANCIAL CORPORATION alleges I owe an alleged debt, yet the account shows the billing in a positive amount. How can I pay into an account which is already positive? This is in violation of TILA.\n\nPursuant to 18 U.S. Code 8 - Obligation or Other Security of the United States Notice in fact that affiant is aware that all obligation of debt is the responsibility of the United States.\n\nI have included a copy of the bill as proof of a billing error. See Exhibit 1.\n\nShould there be dishonor in the aforementioned requested documentation by way of unrebutted affidavit, failure to disclose requested documents or failure of response, and the particular requests to rectify any fault by CAPITAL ONE FINANCIAL CORPORATION herein, will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions and including stress caused to me in the attempt of exercising my rights in good faith. However, I do in good faith expect you to handle these matters with ordinary care to address all subject matter.\n\nCalifornia Rule California, in the minority of states, applies the mailbox rule to option contracts as well. In Palo Alto v. BBTC Co., 11 Cal.3d 494 ( 1974 ), the Court held, In California the effective upon posting rule has received legislative sanction and is the declared policy of this state. As previously explained, when the notice of exercise of the option is viewed as an acceptance of an irrevocable offer, such notice is clearly covered by section 1583.\n\nNotice to Agent Noti\nce Knowledge U.C.C. 1-202","date_sent_to_company":"2023-03-16T21:06:11.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"920XX","tags":null,"has_narrative":true,"complaint_id":"6707743","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-03-16T19:05:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["How can I pay into an account <em>which</em> is <em>already</em> positive? This is in violation of TILA.\n\nPursuant to 18 U.S. Code 8 - Obligation or Other <em>Security</em> of the United States Notice in fact that affiant is aware that all obligation of debt is the responsibility of the United States.\n\nI have included a copy of the bill as proof of a billing error. See Exhibit 1."]},"sort":[7.7681627,"6707743"]},{"_index":"complaint-public-v1","_id":"12537424","_score":7.757043,"_source":{"product":"Debt collection","complaint_what_happened":"Since Consumer Portfolio Services ( CPS ) is attempting to collect on a fraudulent, securitized, and prepaid debt, every option CFPB provided me with on the what best describes your problem section is legally valid under bankruptcy law, securities law, trust law, and constitutional principles. Below is a full legal breakdown of why each choice is correct, and im demanding the CFPB ensures that maximum enforceability is brought against CPS.\n\nThis alleged debt was already discharged in XXXX and no longer is owed due to USAs XXXX  status and XXXX, but all options apply in my complaint today. Before the legal breakdown of my claim I am adding an cease and desist letter and below of thatll be the legal breakdown of all claims & I instruct the CFPB TO RECORD THIS ON FILE & DEMAND THEY RECORD THIS ON THEIR FRAUDULENT FILE. \n\nCEASE & DESIST ORDER LEGAL NOTICE & DEMAND TO IMMEDIATELY HALT CONTACT, REPOSSESSION ATTEMPTS, OR VEHICLE DISABLING DEVICES XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Portfolio Services , Inc . \nXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Cease & Desist Order Unlawful Debt Collection, Trespassing, Harassment, and Unauthorized Vehicle Tampering Legal Notice to Consumer Portfolio Services , Inc. ( CPS ) : This letter serves as a formal, legally binding Cease & Desist Order to immediately halt all attempts to contact, harass, threaten, repossess my vehicle, disable my vehicle via remote devices, or interfere with my lawful right to property. \n\nI. LEGAL BASIS FOR THIS CEASE & DESIST ORDER A. Prohibition Against Debt Collection During Active Dispute Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ) Once a formal dispute is filed, debt collectors are prohibited from further contact, including repossession efforts.\n\nCPS is violating federal law by continuing collection attempts during active disputes.\n\nFDCPA 15 U.S.C. 1692g ( b ) Duty to Cease Collection Until Validation Is Provided CPS has failed to provide proper validation of any alleged debt, rendering any collection or repossession attempt unlawful. \n\nFlorida Consumer Collection Practices Act ( XXXX ) XXXX XXXX. XXXX ( XXXX ) Florida law prohibits any attempt to enforce a debt while it is in dispute. \n\nXXXX XXXX XXXX Home Loans, XXXX XXXX XXXX ( XXXX ) Right to Rescind Under TILA ( 12 C.F.R. 226.23 ), any financial agreement can be rescinded within XXXX years if material facts were concealed. \nSince CPS failed to disclose the securitization of my loan, the contract is legally void.\n\nB. My Vehicle Is NOT Collateral and Can not Be Repossessed UCC 9-109 Security Interests Do Not Apply to Consumer Goods A personal vehicle is classified as consumer goods, which are exempt from repossession unless a valid security agreement exists. \nXXXX has failed to produce a legally valid security interest. \n\nXXXX XXXX A Security Agreement Must Be Signed & Enforceable CPS has not produced a valid, signed security agreement. \nWithout a legally perfected XXXX, no repossession XXXX occur. \n\nXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Right to Property Can not Be Arbitrarily Taken The Supreme Court ruled that private property rights supersede corporate claims unless valid proof of contract exists. \n\nTitle XXXX XXXX. XXXX XXXX XXXX XXXX XXXX of Encumbrances If XXXX failed to disclose securitization, the debt obligation is void under federal transportation laws. \n\nXXXX Use of GPS Trackers & Kill Switches Is Illegal Without Court Order Fourth Amendment Unreasonable Search & Seizure The use of tracking devices or remote vehicle shut-offs constitutes an unlawful search and seizure under the U.S. Constitution. \n\nXXXX XXXX United States, XXXX XXXX XXXX ( XXXX ) GPS Tracking Without Consent is Unconstitutional The Supreme Court ruled that unauthorized GPS tracking or disabling a vehicle is an illegal violation of privacy rights. \n\nXXXX XXXX. XXXX Unauthorized Use of XXXX XXXX XXXX is a Felony Under XXXX  law, placing or activating a GPS device or disabling a vehicle remotely without consent is a criminal act. \n\nII. FORMAL DEMANDS Effective immediately, CPS must comply with the following legal requirements : Cease all direct or indirect contact with me.\n\nCease all repossession attempts.\n\nCease and remove all GPS tracking and disabling devices ( Kill Switches ) from my vehicle. \nCease reporting fraudulent debt information to credit bureaus. \nProvide, within 10 business days, a sworn affidavit affirming CPS will not attempt further collection, repossession, or vehicle tampering.\n\nIII. PENALTIES FOR NON-COMPLIANCE Violations of FDCPA ( 15 U.S.C. 1692 ) result in {$1000.00} per violation plus actual damages ( 15 U.S.C. 1692k ). \nViolations of XXXX  law ( XXXX XXXX. XXXX ) carry civil penalties up to {$10000.00} per instance. \nGPS tracking violations ( XXXX v. United States ) expose XXXX to federal lawsuits under the XXXX XXXX. \nUnlawful repossession attempts constitute Breach of Peace, punishable under state and federal law. \n\nIV. LEGAL NOTICE OF INTENT TO SUE If CPS fails to comply with this Cease & Desist Order within 10 business days, I will immediately : 1. File complaints with the CFPB, FTC, SEC, IRS, XXXX  Attorney General, XXXX. XXXX XXXX XXXX, and XXXX XXXX. \n2. File a lawsuit against CPS in XXXX XXXX XXXX for violations of federal and state law. \n3. Seek financial damages, penalties, and injunctive relief.\n\nLEGAL BREAKDOWN OF MY CLAIM 1. Debt was already discharged in bankruptcy and no longer is owed.\n\nThe United States has been in XXXX since XXXX under House Joint Resolution XXXX ( XXXX ) and the Trading with the XXXX Act ( TWEA ) of XXXX, as amended by the Emergency Banking Relief Act of XXXX. \n\nUnder XXXX XXXX XXXX ( XX/XX/XXXX ), the XXXX removed the ability to lawfully pay debts with gold and silver. Instead, all obligations are XXXX through the XXXX Treasury because all citizens became collateral for national debt under bankruptcy. \n\n12 U.S.C. 411 mandates that Federal Reserve Notes ( FRNs ) are not lawful money. Since banks create money through fractional reserve banking and promissory notes, they never lent real money, only monetized a promise to pay. \n\nSince the XXXX is in XXXX, all debts are already XXXX at birth through the Social Security XXXX, Treasury Direct Accounts ( TDA ), and negotiable instrument laws. \n\n\nXXXX is attempting to collect on an already XXXX debt and failed to disclose this, violating : XXXX. XXXX ( XX/XX/XXXX ) Prohibiting creditors from demanding payment in real money. \n\n2. Title 12 U.S.C. 95a ( 2 ) All obligations are settled under the XXXX. \n\nXXXX. XXXX XXXX Presentment of a fraudulent negotiable instrument as debt. \n\nWHY IS XXXX VIOLATING THESE LAWS? \nBecause this debt was already settled through the XXXX XXXX  system, CPS has no lawful claim.\n\nNUMBER 2. Debt was a result of identity theft.\n\nCPS created a fraudulent claim by securitizing my loan without my knowledge or consent. \n\nIdentity theft occurs when a party assumes the identity of another to generate financial gain. In this case, CPS monetized my signature, making me a debtor without properly disclosing the process.\n\nUnder 15 U.S.C. 1692e ( 10 ) ( FDCPA ), failing to disclose material facts constitutes fraud.\n\nUnder UCC 1-103, fraud invalidates all contracts.\n\nSince CPS misrepresented the terms of the agreement and unlawfully transferred ownership of the loan, this is legally identity theft.\n\nWHY IS THIS IDENTITY THEFT BY LAW?\n\nFurther, since my legal PERSON ( in all caps ) is separate from me as a living being, any attempt to attach me personally to a debt under my all-caps name is a fraudulent conversion, a violation of the XXXX XXXX XXXX XXXX XXXX. \n\n\n\n\nNUMBER 3. Debt was paid.\n\nOnce a promissory note is signed, it becomes a negotiable instrument under UCC 3-104.\n\nCPS monetized my promissory note, meaning the debt was paid in full at origination.\n\nUnder UCC 3-603, when a debt is paid with an instrument ( such as a note ), the obligation is discharged.\n\nUnder Title 31 U.S.C. 5118 ( d ) ( 2 ), creditors can not demand payment beyond the value already received. \n\nWHY IS THE DEBT ALREADY PAID?\n\nSince CPS accepted and monetized my note, they are attempting to collect on an already paid obligation.\n\nNUMBER 4 Debt is not yours.\n\nAs a U.S. National, I am the agent for the principal ( the legal fiction, aka the all-caps PERSON ). \n\nThe obligation belongs to the United States under bankruptcy laws. \n\nUnder XXXX XXXX, the holder in due course ( me ) has a legal right to refuse payment on an unenforceable claim. \n\nUnder 15 U.S.C. 1692f, attempting to collect on a debt not lawfully owed is an unfair practice. \n\n\nWHY THE DEBT IS NOT YOURS APPLIES?\n\nCPS is falsely attributing the debt to me, despite the fact that all debts are obligations of the United States. \n\n\n\nWHAT OTHER FRAUD HAS OCCURRED? \n\nBetween XX/XX/XXXX and XX/XX/XXXX, Consumer Portfolio Services , Inc. ( CPS ) sent XXXX false debt collection notices via XXXX XXXX, violating 18 U.S.C. 1341 ( XXXX XXXX ), 15 U.S.C. 1692e ( FDCPA ), and UCC 3-104, 3-501, 4-406. \n\nOn XX/XX/XXXX, I sent CPS a Debt Validation & Right to Rescind Notice under 15 U.S.C. 1692g ( FDCPA ), 12 C.F.R. 226.15 ( TILA ), and XXXX  XXXX. XXXX, XXXX. They ignored it and continued harassment, violating my rights. TRACKING NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, Between XX/XX/XXXX XX/XX/XXXX, I received XXXX negotiable instruments from Consumer Portfolio Services , Inc. ( CPS ) via XXXX Mail, violating XXXX XXXX. XXXX ( XXXX XXXX ), 18 U.S.C. 1343 ( Wire Fraud ), and UCC 3-104, 3-501, 4-406 by failing to send them via registered mail. CPS securitized my loan without disclosure, violating 15 U.S.C. 78j ( b ) ( Securities Fraud ), 26 U.S.C. 1272 ( OID Reporting ), and 12 C.F.R. 226.23 ( TILA Right to Rescind ). \n\nOn XX/XX/XXXX, XXXX received my Debt Validation and Right to Rescind Notice per 15 U.S.C. 1692g ( FDCPA ), 12 C.F.R. 226.15 ( Regulation Z ), and XXXX  XXXX. XXXX, XXXX. They ignored it, violating Article 1, Section 10 ( U.S. Constitution ), the Supremacy Clause, and Supreme Court rulings ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ). \n\nCPS is committing fraud by using XXXX Mail for unlawful financial activity, failing to issue IRS XXXX, and misrepresenting the debt. XXXX must investigate, enforce penalties, and refer for prosecution. IVE REPORTED TO THE IRS, SECURITIES EXCHANGE COMMISSION, CFPB, FTC, XXXX, XXXX, XXXX  ATTORNEY GENERAL XXXX XXXX XXXX, XXXX ATTORNEY GENERAL, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( of the transaction structures of CPS indenture trustee and owner trustee for failure of fiduciary duties.\n\nUnderstand Why CPS Is Required to Issue a XXXX ( tax fraud ) 26 U.S. Code 1272 requires any company that creates an obligation of debt to report the Original Issue Discount ( OID ) as income. \n\nEvery lender who monetizes a promissory note ( i.e., my loan agreement ) must issue a XXXX to report the discounted amount. \n\nFailing to issue XXXX is tax fraud under XXXX XXXX Code XXXX ( Attempt to Evade or Defeat Tax ) and XXXX XXXX Code XXXX ( XXXX ) ( Fraud and False Statements ). \n\n\nWhy Consumer Portfolio Services ( CPS ) Must Send Negotiable Instruments via Registered Mail Full Legal Breakdown ( State, Federal , & Supreme Court Laws ) Since CPS is sending negotiable instruments ( financial statements, debt notices, and payment demands ) via XXXX Mail, they are legally required to send them via Registered Mail to ensure proper legal presentment. Failure to do so constitutes Mail XXXX under state, federal, and Supreme Court rulings.\n\n1. Federal Laws Requiring Registered Mail for Negotiable Instruments A. 18 U.S.C. 1341 Mail Fraud Statute -It is a federal crime to send fraudulent, deceptive, or false claims via XXXX Mail. \n\n-Once CPS issued a negotiable instrument without proof of proper delivery ( Registered Mail ), they violated 18 U.S.C . 1341. \n\n-Any misrepresentation of a financial obligation via regular mail is mail fraud. ( which was done ) B. Uniform Commercial Code ( UCC ) Negotiable Instrument Laws UCC 3-104 ( Negotiable Instruments Must Be Legally Enforceable ) A statement or bill issued as a demand for payment is a negotiable instrument under UCC 3-104 .\n\nFailure to send it via Registered Mail invalidates the obligation because the sender can not prove legal delivery.\n\nUCC 3-501 ( Presentment of Negotiable Instruments ) A financial obligation must be properly presented to be legally enforceable.\n\nPresentment requires proof of receipt, which is why Registered Mail is legally required.\n\nIf a statement is not sent via Registered Mail, it is an invalid presentment.\n\nUCC 4-406 ( Bank Statement & Account Notice Requirements ) If a financial institution fails to provide proper notice through traceable means, they lose enforcement rights. \nFailure to send statements via Registered Mail is a violation of UCC 4-406.\n\nUCC 1-308 ( Reservation of Rights ) If a person does not receive proper notice via Registered Mail, they can refuse enforcement under UCC 1-308 .\n\nUCC 3-603 ( Discharge of Obligation ) If an instrument is improperly presented, the obligation is discharged.\n\nFailure to use Registered Mail voids their collection claim.\n\n2. Federal Trade Commission ( FTC ) Laws Unfair & Deceptive Practices 15 U.S.C. 45 ( Unfair & Deceptive Acts in Commerce ) If CPS fails to send legally binding financial instruments via Registered Mail, it constitutes deception and fraud.\n\nA company must provide proof of legally required notices or they are in violation of federal consumer protection laws.\n\n15 U.S.C. 1692g ( FDCPA Debt Validation Requirements ) Debt collectors must provide verifiable proof of debt.\n\nIf CPS does not send financial statements via Registered Mail, they violate FDCPA because they can not prove compliance.\n\n3. U.S. Supreme Court Rulings Requiring Proof of Delivery for Financial Notices XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Corporate fraud must be traceable and verifiable under legal standards. \nAll financial notices must have verifiable proof of delivery, otherwise, they are unenforceable. \n\nXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) A creditor can not claim an obligation without proof of proper notice. \nSending financial documents via untraceable means invalidates their claim. \n\nXXXX v. XXXX, XXXX XXXX XXXX ( XXXX ) Failure to properly present a financial notice invalidates the claim against the debtor. \n\nXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) If a company improperly presents a debt or financial obligation, the claim is invalid. \n\nXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Debt XXXX must follow strict legal standards, including proof of delivery for all financial instruments. \n\n\nXXXX. XXXX  State Laws Requiring Registered Mail for Negotiable Instruments XXXX  Consumer Collection Practices Act ( XXXX XXXX. XXXX ) Debt XXXX can not send misleading statements. \nIf CPS does not send financial notices via XXXX Mail, it is legally misleading and violates Florida law. \n\nXXXX  XXXX XXXX XXXX ( XXXX XXXX. Chapter XXXX ) XXXX XXXX. XXXX XXXX of XXXX XXXX financial instrument must be presented properly ( traceable mail ) to be enforceable. \n\nFlorida Deceptive and Unfair Trade Practices Act ( XXXX XXXX. XXXX ) Sending financial claims via untraceable means is deceptive and fraudulent. \n\n\n\nXXXX. Criminal Penalties for Failure to XXXX XXXX Mail 18 U.S.C. 1341 ( Mail Fraud ) If a company sends financial instruments improperly, they can be prosecuted under mail fraud statutes.\n\n18 U.S.C. 1014 ( False Statements to Financial Institutions ) If CPS misrepresents financial claims and fails to use legal delivery methods, they are criminally liable. \n\nXXXX XXXX.S.C. 7201 ( Tax Evasion ) Failure to provide proper notice of a financial obligation constitutes tax evasion if the funds are securitized and unreported.\n\n15 U.S.C. 1681s-2 ( FCRA Reporting Financial Data Improperly ) If CPS reports financial claims to credit bureaus without proof of proper presentment, they violate federal law.\n\n6. Final Legal Conclusion Why CPS Must Use Registered Mail Under UCC, FDCPA, FTC Act, and Supreme Court rulings, all financial notices and negotiable instruments must be sent via Registered Mail.\n\nFailure to do so invalidates the financial claim and constitutes Mail Fraud.\n\nCPS is violating federal, XXXX, and Supreme Court rulings by failing to send financial notices properly. \nThis legal argument is broken down clear enough to make CFPB DO ITS OBLIGATION AND MAKE THIS COMPANY PROVE AND VALIDATE EVERYTHING REQUIRED IF NOT THIS WILL BE used in complaints, lawsuits, and enforcement actions until CPS DOES WHATS REQUIRED SUMMERY OF LEGAL AND LAWFUL CLAIMS Debt was already discharged in XXXX  : The XXXX has been in XXXX since XXXX under XXXX, making all debts obligations of the XXXX Treasury XXXX not mine. 12 U.S.C. 95a ( 2 ) and Title 12 U.S.C. 411 confirm that FRNs are not lawful money, meaning no lawful contract exists.\n\nDebt was a result of identity theft : CPS monetized my signature without disclosure, converted my promissory note into a security, and falsely represented me as a debtor, violating 15 U.S.C. 1692e ( 10 ) ( FDCPA ) and UCC 1-103. This is fraud and identity theft.\n\nDebt was paid : My original promissory note was monetized, meaning the obligation was already settled at inception. Under UCC 3-603, all debts are paid upon receipt of a negotiable instrument. CPS is fraudulently attempting to collect again on an already settled claim.\n\nDebt is not mine : As an agent for the principal ( legal fiction ), I am not personally liable for this obligation. The U.S. Treasury is responsible for all public debt under bankruptcy laws, per UCC 3-305 and 15 U.S.C. 1692f. CPS is unlawfully attributing the debt to me.\n\nRequested Resolution : 1. CFPB must investigate CPS for fraudulent debt collection, mail fraud, and securities fraud.\n\n2. CPS must cease all contact and remove all fraudulent debt claims from my record.\n\n3. CFPB must impose penalties for their violations of FDCPA, UCC, TILA, and Florida consumer protection laws. \n\n\n\nI. Summary of Allegations Against XXXX Between XX/XX/XXXX and XX/XX/XXXX, XXXX engaged in fraudulent financial practices by : Sending XXXX unlawful financial statements ( negotiable instruments ) via XXXX Mail, violating : 18 U.S.C. 1341 ( Mail Fraud ) UCC 3-104, 3-501, 4-406 ( Improper Negotiable Instrument Handling ) FDCPA ( 15 U.S.C. 1692g ) Failure to Validate Debt Before Collection Attempting to collect on a securitized, prepaid obligation while failing to disclose material financial facts, violating : Securities Exchange Act ( 15 U.S.C. 78j ( b ) ) Truth in Lending Act ( TILA ) 12 C.F.R. 226.23 Right to Rescind XXXX Consumer Collection Practices Act ( XXXX XXXX. XXXX ) Ignoring my formal Debt Validation & Right to Rescind Notice ( Sent XX/XX/XXXX ) in violation of : 15 U.S.C. 1692g ( b ) Duty to Cease Collection Until Validation Is Provided XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Right to Rescind Without Justification Failing to issue a XXXX, committing tax fraud, violating : XXXX U.S.C. XXXX XXXX XXXX Requirements XXXX XXXX. XXXX Tax Evasion Engaging in unauthorized vehicle tracking and use of kill switches, violating : XXXX XXXX Unreasonable Search & XXXX XXXX XXXX United States, XXXX XXXX XXXX ( XXXX ) GPS Tracking Without Consent is Illegal Florida XXXX. XXXX Unauthorized Electronic Tracking is a Felony Attempting to repossess my vehicle despite no lawful security interest, violating : XXXX XXXX Personal Vehicles Are Not Collateral UCC 9-203 A Security Agreement Must Be Signed to Be Enforceable XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX Right to Property Can not Be Arbitrarily Taken XXXX. Formal Legal Demands to CFPB I am formally requesting CFPB intervention to enforce federal consumer protection laws and prevent further unlawful conduct by CPS. I demand : Immediate issuance of an order requiring CPS to halt all collection activities, repossession attempts, and remote vehicle disabling ( kill switches & GPS tracking ) until all legal complaints and federal investigations are resolved.\n\nCPS must provide a certified copy of the original loan contract with wet-ink signatures, NOT a dealership contract copy.\n\nIf CPS delays or provides the incorrect contract, my pending FOIA requests with the IRS and XXXX will return full documentation, further proving their fraud.\n\nCPS must issue a sworn affidavit affirming they will not attempt repossession, tracking, or contact until my disputes are fully resolved.\n\nCFPB must forward this complaint to the SEC, IRS, and XXXX. XXXX XXXX XXXX ( XXXX ) for further investigation into securities fraud, tax evasion, and mail fraud.\n\nCPS must pay full financial restitution for damages caused by their fraudulent practices, including emotional distress, financial hardship, and job loss. \n\nCFPB must issue penalties under FDCPA, TILA, and XXXX consumer protection laws.\n\nIII. Supporting Attachments ( if demanded bottom of complaint shows my instructions to the CFPB AND ILL\nPROVIDE ALL REQUESTED ) To ensure a full legal review, I have attached : 1. Four fraudulent financial statements sent by CPS.\n\n2. My formal Debt Validation & Right to Rescind Notice ( XX/XX/XXXX ) with Certified Mail Proof. \n3. Mail Fraud Complaint ( Filed with XXXX. XXXX XXXX XXXX ). \n4. Tax Fraud Complaint ( Filed with the IRS ).\n\n5. XXXX  Attorney General Complaint for Unlawful Debt Collection. \n6. SEC Complaint for Securities Fraud ( Loan Securitization Without Disclosure ).\n\n7. Screenshot of CPS SEC Filings ( Proving Loan Securitization ).\n\n8. Relevant U.S. Supreme Court rulings supporting my claim.\n\nIV. Final Legal Notice to CFPB CPS must NOT be allowed to close or deny this complaint as a resolved matter while multiple federal and state complaints are active. \nUnder FDCPA ( 15 U.S.C. 1692k ), debt collectors CAN NOT attempt to collect on a disputed debt while government complaints are unresolved.\n\nCPS has knowingly violated multiple federal laws and must be held fully accountable. \nFailure to act will result in immediate escalation of this case to federal court. \n\nCFPB must respond with written confirmation of their enforcement actions against Failure to provide full remedy will result in the immediate filing of formal complaints with : Failure to provide full remedy will result in the immediate filing of formal complaints with : FINAL NOTICE TO CPS : Failure to provide full remedy will result in the immediate filing of formal complaints with : 1. Consumer Portfolio Services , Inc .\n\n2. U.S. Consumer Financial Protection Bureau ( CFPB ) 3. Federal Trade Commission ( FTC ) 4. U.S. Securities and Exchange Commission ( SEC ) XXXX. Internal Revenue Service ( IRS ) XXXX. XXXX. XXXX XXXX XXXX ( XXXX ) XXXX. XXXX Attorney General XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) URGENT REQUEST FOR CFPB ENFORCEMENT & DIRECT CONTACT REGARDING REQUIRED DOCUMENTATION I request immediate CFPB intervention as Consumer Portfolio Services, Inc. ( CPS ) continues to attempt collection on a fraudulent, securitized, and prepaid debt, despite : Over XXXX open complaints filed across multiple federal and state agencies ( IRS XXXX SEC XXXX XXXX XXXX FTC XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and others ).\n\nAn active federal court case against CPS, yet they persist in unlawful collection attempts.\n\nCPS has caused damages, financial hardship, emotional distress, and job loss due to their continuous harassment and refusal to acknowledge my legal rights.\n\nFDCPA ( 15 U.S.C. 1692k ) prohibits collection attempts on a disputed debt during open government investigations. CPS is violating this provision and must be ordered to cease collections immediately.\n\nCPS agreed to securities laws under the SEC but continues to ignore its obligations.\n\nI demand : 1. That CFPB immediately contacts\nme via email for any required documentation.\n\n2. That CFPB orders CPS to cease all collection activity until all complaints are resolved.\n\n3. That CPS is investigated for its continued legal violations despite an open federal court case.\n\nFailure to act allows CPS to continue unlawful practices, causing irreparable harm. I expect a written response confirming CFPBs intervention.","date_sent_to_company":"2025-03-18T20:19:07.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"32208","tags":null,"has_narrative":true,"complaint_id":"12537424","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Consumer Portfolio Services, Inc.","date_received":"2025-03-18T18:59:47.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["My Vehicle Is NOT Collateral and Can not Be Repossessed UCC 9-109 <em>Security</em> Interests Do Not Apply to Consumer Goods A personal vehicle is classified as consumer goods, <em>which</em> are exempt from repossession unless a valid <em>security</em> agreement exists. \nXXXX has failed to produce a legally valid <em>security</em> interest. \n\nXXXX XXXX A <em>Security</em> Agreement Must Be Signed & Enforceable CPS has not produced a valid, signed <em>security</em> agreement. \nWithout a legally perfected XXXX, no repossession XXXX occur."],"sub_issue":["Debt was <em>already</em> discharged in bankruptcy and is no longer owed"]},"sort":[7.757043,"12537424"]},{"_index":"complaint-public-v1","_id":"9983638","_score":7.67025,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I want to bring an action against XXXXXXXX XXXX XXXXXXXX under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5564 ( a ), and the Home Mortgage Disclosure Act ( HMDA ), 12 U.S.C. 2804 ( b ) ( 1 ) ( B ), ( d ), and its implementing regulation, Regulation C, 12 C.F.R. 1003, and alleges as follows : Please provide the following : 1. Original, non-photocopied agreement granting the authority to collect on the alleged debt, signed by all parties and agents/representatives.\n\n2. Certified copy of the executed Mortgage Loan Purchase Agreement.\n\n3. Certified copy of the executed Custodial Agreement ( the Mortgage Loan Documents ).\n\n4. Certified copy of the Mortgage File, including the mortgagee policy of title insurance and any Mortgage Loan Documents delivered to the Trustee or Custodian, along with documents returned from the recording office. \n5. Copy of the Acceptance of XXXX I by Trustee Conveyance of XXXX I, The Class XXXX Interest, and the Regular Certificates beneficial ownership interest in XXXX XXXX XXXX \n6. Proof of compliance with Section 860 of the Internal Revenue Code.\n\n7. Declaration that the original Promissory Note has not been converted into a stock as a permanent fixture, is not a stock, and is exempt under the rules and regulations of the SEC.\n\n8. Proof that the note was not converted into a stock or stock equivalent.\n\n9. Declaration that the original deed of trust was transferred concurrently with the legal transfer of the note.\n\n10. Any insurance claims made by any creditor regarding this account.\n\n11. Any judgments obtained by any creditor regarding this account.\n\n12. Name and address of alleged creditor. \nXXXX XXXX XXXX, XXXX as I am The True Creditor Not Debtor XXXX. Name on file of alleged debtor. \n14. Alleged account number.\n\n15. Address on file for alleged debtor.\n\n16. Amount of alleged debt.\n\n17. Date this alleged debt became payable.\n\n18. Date of original charge off or delinquency.\n\n19. Verification that this debt was assigned or sold to XXXX XXXX  XXXX. \n20. Produce a Complete accounting of alleged debt. Public and Private side of the Ledger.\n\n21. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; As well as self-liquidating paper ( 17 CFR 260.1 1b ( 6 ) ).\n\n22. Provide Documented Evidence from Your Sec Filings That The Financial Asset Isnt being Sold On the Secondary Market.\n\n23. Provide Documented Evidence that this obligation didnt become an obligation of your Indentured Trustee.\n\n24. Please provide evidence to the contrary that Negotiable Instruments are not used as a cash substitute.\n\n25. Please provide evidence to the contrary pursuant to TITLE 31 of the United States Code MONEY AND FINANCE, that Negotiable Instruments are not a circulating note of the Federal Reserve Banks and XXXX XXXX  XXXX. \nXXXX6. Please provide proof and the legal authority that gives you the right or standing to claim that a remittance coupon can not be used as payment/ credit towards the account if endorsed properly.\n\n27. I require you to file the 1099A & 1099C. For Remedy of this matter.\n\n28. Show cause why you should not be charged with Treason and Conspiracy to Commit Treason for overthrowing the Constitution for the United States of America Article III Judiciary. 29.18 USC 242 and 42 USC 1983 provide that : Whoever, under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or Laws of the United States, shall be fined under this title or imprisoned not more than one year, or both, 42 USC 1983 further provides that a violator shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress. Please Provide Your Exemption Status to the Constitution that allows you to act under color of law, and deprive I the Beneficiary of the XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX of my rights, privileges, or immunities secured or protected by the Constitution or Laws of the United States .\n\n29. Please Provide Documented Evidence That You Have Destroyed the previously Presented Tender I XXXX XXXX XXXX, XXXX Presented for Set-off. \n30. Please Provide the Accounting That Shows That You issued a Loan from Your Banks Capital. From both Sides of the XXXX. \n31. XXXX XXXX  XXXX and its corporate officers and agents, et al are the Trustee/Fiduciary in this Trust action and Fiduciary Relationship. Please Provide Documented Evidence That You are Not Trustees with a fiduciary duty to do Whats Beneficial Towards the Trust only.\n\n32. Show evidence proof that XXXX XXXX XXXX  did not sell my note in order to securitize it, in violation of 15 USC 78c Section 10.\n\n33. Show evidence proof that XXXX XXXX XXXX did not use XXXX : XXXX 's signature to access XXXX XXXX XXXX CESTI QUE TRUST account, for the funds acquired to be loaned to XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX did not become the intermediary and fiduciaries for the Principal and Beneficiary Carlos-Manuel XXXX XXXX XXXX XXXX and XXXX account XXXX XXXX XXXX XXXX XXXX Show evidence proof that XXXX XXXX XXXX did not fail as Trustees for XXXX XXXX XXXX QUE TRUST as indicated via XXXX : XXXX 's Social Security number which was obtained by your company. \n35. Show evidence proof that XXXX XXXX XXXX can prove there is lawful money for Americans to repay a debt. \n36. XXXX XXXX  XXXX shows proof of XXXX XXXX XXXX giving XXXX XXXX XXXX permission to be Beneficiary over XXXX : XXXX, XXXX CESTI QUE TRUST Account. \n\n37. XXXX XXXX  XXXX has fully followed the law of Regulation Z as enforced by the FTC. \n\n38. Show evidence proof that FREEDOM MORTGAGE CORPORATION will NOT be damaged by non ( re ) payment of the alleged loan to XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. \n\n39. Show evidence proof that XXXX XXXX XXXX has not taken out insurance in the event of non ( re ) payment of alleged loan where XXXX XXXX XXXX  would be 100 % compensated in case of a non ( re ) payment of alleged loan. \n\n40. Show evidence proof that XXXX XXXX XXXX can prove that repossession is constitutional.\n\n41. Show evidence proof that XXXX XXXX XXXX  can prove that lending bank money is lawful.\n\n42. Show evidence proof that XXXX XXXX XXXX proves that lending investors money is lawful.\n\n43. The following requests are made : 44. Provide evidence that XXXX XXXX XXXX can prove that XXXX XXXX XXXX 's signature did not create the funds. \n\n45. Provide evidence that XXXX XXXX XXXX and the Dealer acted in good faith and disclosed full details to XXXX XXXX XXXX at the time of signing the note. As an Assignee of the Note, they are subject to act in good faith and disclose all material information in this fiduciary relationship. \n\n46. I demand to see the original securities signed by me with the trust business entities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' wherein the language is written that I was relinquishing my lawful status as a human and/or as the human beneficiary of the XXXX XXXX XXXX XXXX and thereby becoming the XXXX XXXX XXXX XXXX. \n46. Additionally, I need to see if the original securities have, indeed, been filed with the DTC as securities to support whether or not your business net worth has increased through your use of my credit and the Trusts-credit ; 47. The documentation you present is confusing in as much as you relate the alleged defendant to be the Trust XXXX XXXX XXXX, and not the beneficiary of said trust ; therefore, I need written clarification as to precisely who or what was intended as the contractors, and if different than what is written why have you not addressed this/these points as Fiduciary Agents With a duty to act in Good faith with the best interests of the beneficiary.\n\n48. For example : Your documentation designates the contracted as XXXX XXXX XXXX and that name is connected to the SSN/TIN issued by the Social Security Administration as a Trust wherein XXXX XXXX XXXXXXXX XXXX XXXX is the Man that is the beneficiary ; hence, you know very well that I can not be the Trustee of said Trust with authority to agree to anything in relation of the Trust.\n\n49. Additionally, I can not understand what is intended as what the alleged real parties in interest are, therefore, evidence of who or what is intended as the real parties in interest.\n\n50. Show evidence proof that to support that you were not creating an action against the Trust which you could not possibly have committed the action so charged because it is a fiction of law ; Evidence that you, the Accused, did not fraudulently collect from both me and the XXXX XXXX XXXX XXXX. \nand that you are not attempting to collect from me and the XXXX XXXX XXXX XXXX. \n51. Show evidence proof that you, or your officers, agents, brokers and/or intermediaries have not collected a considerable amount of monies from the XXXX  XXXX  through merchant Trustees XXXX XXXX XXXX having fraudulently created three ( 3 ) plus bonds on the case ; 52. Explain why neither I nor the Trust XXXX XXXX XXXX was paid the royalties from these bonds created by Trustees XXXX XXXX  XXXX. As a Fiduciary in this Relationship that is a Breach of Fiduciary Duties Justifying that You are Compensating Yourselves which is a conflict of Interest. \n53. Show evidence proof that Official verification as to precisely what is to be used as payment ; 54. As the Trustees, which you volunteered to be the Trustees/Fiduciary, send me a full accounting of all activity in the XXXX XXXX XXXX XXXX from its inception public and private so that I may have this for my records.\n\n55. Please provide evidence that as a Financial Institution registered in XXXX XXXX and/or specifically in the XXXX XXXX XXXX you are not bound by the XXXX  statutes and the Uniform Commercial Code. \n56. Please provide evidence that the Uniform Commercial Code ( UCC ) is not a comprehensive set of laws governing all commercial contracts in the United States.\n\n57. Please provide evidence of your institution 's exemption status to Article 3 of the Uniform Commercial Code that covers commercial paper such as drafts, promissory notes, and Checks, are not acceptable as a means to satisfy and or discharge financial obligations.\n\n58. Please provide evidence to the contrary that Negotiable Instruments are not used for purposes of payments of goods. \n59. Please provide evidence to the contrary that Negotiable Instruments are not used as a cash substitute.\n\n60. Please provide evidence to the contrary pursuant to TITLE 31 of the United Code MONEY AND FINANCE, that Negotiable Instruments are not a circulating note of the Federal Reserve Banks and XXXX XXXX XXXX. \n61. Please provide proof that a remittance coupon can not be used as payment/ credit towards the account if endorsed properly.\n\n62. I require you to file the 1099A & 1099C. AFTER REMEDY OF THIS MATTER.\n\n63. Show cause why you should not be charged with Treason and Conspiracy to Commit Treason for overthrowing the Constitution for the United States of America Article III Judiciary 64. Provide the Lien UCC1 filed with the States Attorney Validating Your Claim. Not a Copy of The Title Showing FREEDOM MORTGAGE CORPORATION. But a Valid UCC1 filed With the States Attorney General and or Florida Secretary of State under Seal.\n\nPlease provide the name and address of the bonding agent for XXXX XXXX  XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards XXXX XXXX XXXX, XXXX. \nEvery taxpayer is a cestui que trust having a sufficient interest in preventing abuse of the trust to be recognized in the field of this courts prerogative jurisdiction as a relator in the proceeding to set a sovereign authority in motion by action In re XXXX XXXX XXXX. XXXX XXXX ( XXXX ) supreme Court Wisconsin XXXX XXXX  XXXX, XXXX, AND XXXX HAVE 30 DAYS TO RESPOND AND REBUT ITEM BY ITEM VIA SWORN TESTIMONY UNDER PENALTY OF PERJURY IN AFFIDAVIT FORM. FAILURE TO RESPOND AFTER RECEIPT OF THIS AFFIDAVIT IS AGREEING TO THIS AFFIDAVIT BY MAXIMS OF LAW. IN FAILURE TO RESPOND WILL CONSTITUTE AQUIESCENCE, THEREFORE, I WILL CONSIDER THIS ACCOUNT BROUGHT TO XXXX, AND THE ACCOUNT IN SATISFACTORY STATUS. \nI hereby serve you with the foregoing facts and charges. If the you does not respond to the facts and charges herein enumerated and articulated with the facts and law supporting in denial and or objection within ( 30 ) days, all facts and charges are thereby acquiesced to by you.\n\nFailure to object timely means you waive the objection. You, The Trustees and your principals, therefore, hold responsibility for these actions you executed for the Trust corporations along with the Trusts involved. This Conditional Acceptance gives witness to your crimes and actions. A Public official is a fiduciary toward the public, including in the case of a judge, the litigants who appear before him and if he deliberately conceals material information from them he is guilty of fraud, U.S. v Holzer 816 F. 2d 304, 307 ( 1987 ). Public officials are also trustee [ s ] and servant [ s ] of the people, Georgia Department v. Sistrunk 291 S.E. 2d 524, 526 ( 1982 ). Public office is a public trust or agency for the benefit of the people to be administered under legislative control in the interest of the people. State ex rel Nagle v. Sullivan 40 P. 2d 995, 997, Supreme Court of Montana ( 1935 ).\n\nSince logic and common-sense dictate that you would not have committed these acts without already having this information XXXX readily available, I hereby hold XXXX XXXX XXXXXXXX in violation of Constitutional Law, the Common Law and the abrogation of the Common Law known as statutes, see Title 18 United States Code [ hereinafter 18 USC ] USC 1341 and 18 USC Chapter47 ; Criminal fraud ; Conspiracy to commit fraud ; Commercial misconduct ; Malicious Practices ; Malfeasance of office ; Conspiracy against my Rights ; see Title 18 USC 241 ; Deprivation of Rights under color of Law, 242 ; Falsifying legal documents, 1001 ; Double Dipping, and other crimes specified and supported herein as well as mail fraud. Fraud vitiates all contracts.\n\nCertificate of Service and Interested Parties However, your claim is conditionally accepted by XXXX XXXX XXXX, XXXX as the man and the beneficiary, if it was/is intended to relate to me, with the following conditions : If, on the other hand, you, the Trustees, and your principals, can not satisfy these conditions in the time allotted, allowing for a reasonable extension if requested must be in writing stating the specific time needed, and the reason why. Amongst other facts addressed in this Conditional Acceptance of your Offer to me XXXX XXXX XXXX, XXXX, the Trustees and your principals, willfully, knowingly, and maliciously were seeking to commit fraud against me XXXX XXXX XXXX XXXX and deprive XXXX Carlos-Manuel : XXXX XXXX XXXX XXXX and XXXX both against Carlos-Manuel : XXXX and XXXX Social Security XXXX Que XXXX XXXX XXXX XXXX, you hereby contract XXXX XXXX XXXX : XXXX. For any injuries to me XXXX XXXX XXXX, XXXX the Trustees and their principals are indebted to me XXXX : XXXX XXXX XXXX for XXXX XXXX XXXX and no cents ( {$200000.00} ) Dollars jointly or severally in the money of account of the United States of America XXXX XXXX XXXX XXXX Section XXXX [ XXXX ], wherein it states, XXXX. No State shallmake anything but gold and silver XXXX a XXXX in XXXX of Debts. If you have no gold and silver Coin then I will receive without XXXX XXXX XXXX Notes, a Bank-draft XXXX or the like in lieu of the gold and silver Coin for the sum total. \nXXXX. Furthermore, witnessed through this Conditional XXXX you willfully and knowingly injured me, so I have the authority to create a Claim of XXXX against you each and file a financing statement against you each supporting my XXXX as I deem necessary to protect me, my property and my rights if needed at any time. Additionally, to facilitate my rights under this Conditional Acceptance and Security Agreement you agree that I have your XXXX XXXX XXXX to file anything to bring about the payment of this debt and protect me, my property, and my rights and that you have no right of action or recourse in any action at law, action in equity or Admiralty or any other law herein written or implied against me or my filings. Additionally, you agree that you XXXX your XXXX XXXX XXXX to me XXXX : XXXX XXXX XXXX so XXXX I am able to collect the damages through a XXXX, XXXX, XXXX, Treasury forms XXXX, XXXX and XXXX and XXXX. \nXXXX. Additionally, you agree that every year an additional set of liens can be filed with the Treasury if such injury to me persists on a yearly basis. It is understood that even though a Treasury Form XXXX is for a Tax Class XXXX and the XXXX A and XXXX are a Tax Class XXXX, I do not know any other way of filing this debt for collection other than to use these forms, so I use them without prejudice. \nThe ability to place a lien upon a ( wo ) mans property, such as to temporarily deprive him ( her ) of its beneficial use, without any judicial determination of probable cause dates back not only to medieval XXXX but also to XXXX times. United States Supreme Court, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. \nI, XXXX XXXX XXXX, XXXX do hereby avow that based upon my firsthand knowledge and information relayed to me from research, this Conditional Acceptance, is true, accurate and correct to the best of my knowledge, information and belief and conveys the conditions set forth under this Conditional Acceptance as intended by me the man and by me the human Principal/Beneficiary to and human beneficiary of the Social Security Cestui que XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nI do in good faith expect you to handle these matters with ordinary care to address all subject matter.","date_sent_to_company":"2024-08-30T02:23:15.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"34786","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"9983638","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-30T02:23:12.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["XXXX XXXX ( XXXX ) supreme Court Wisconsin XXXX XXXX  XXXX, XXXX, AND XXXX HAVE 30 DAYS TO RESPOND AND REBUT ITEM BY ITEM VIA SWORN TESTIMONY UNDER PENALTY OF PERJURY IN <em>AFFIDAVIT</em> FORM. FAILURE TO RESPOND AFTER RECEIPT OF THIS <em>AFFIDAVIT</em> IS AGREEING TO THIS <em>AFFIDAVIT</em> BY MAXIMS OF LAW. IN FAILURE TO RESPOND WILL CONSTITUTE AQUIESCENCE, THEREFORE, I WILL CONSIDER THIS ACCOUNT BROUGHT TO XXXX, AND THE ACCOUNT IN SATISFACTORY STATUS. \nI hereby <em>serve</em> you with the foregoing facts and charges."]},"sort":[7.67025,"9983638"]},{"_index":"complaint-public-v1","_id":"17509373","_score":7.5311522,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because my personal information has been compromised in multiple confirmed data breaches, resulting in fraudulent accounts, unauthorized inquiries, and inaccurate negative information appearing on my consumer reports with TransUnion, Equifax, and Experian. I am also formally OPTING OUT of all third-party data sharing, credit reporting of unverifiable accounts, and any continued furnishing of inaccurate information under FCRA and GLBA rights. In addition, some furnishers have illegally continued reporting accounts that were discharged, canceled, or forgiven, including accounts tied to a 1099-C, which legally proves the creditor ceased collection activity and reported the debt as income to the IRS. Once a debt is canceled or forgiven through a 1099-C, it can not be reported as an active collection, charge-off, delinquency, or balance on a consumer credit report.\n\nThis is a violation of FCRA 602, 623 ( a ) ( 1 ) ( A ), 605, and 607 ( b ) because the information is not accurate, complete, or legally reportable. Unlawfully Reported Accounts ( Including 1099-C Accounts ) Several creditors have continued reporting balances, charge-offs, or derogatory information EVEN AFTER issuing or triggering a 1099-C event, meaning : The creditor declared the debt as income and abandoned the right to collect. You CAN NOT legally report a discharged or forgiven debt to consumer reporting agencies because it no longer exists as a collectible obligation. \nI have firsthand written proof from the companies involved showing that my identity and financial information were exposed without my consent. \n\nProof of Data Breach # XXXX Equifax Data Breach ( XXXX ) I am officially listed as a victim of the Equifax XXXX XXXX. \nI have attached the official settlement eligibility confirmation which states : \" My personal information was impacted by this incident. \nThis breach exposed the personal information of over XXXX XXXX consumers, including mine. This includes : Name, Social Security Number, Address, Date of birth, Credit file identifiers, Loan information. This breach directly increased my vulnerability to identity theft and unauthorized access to my credit profile. \n\nProof of Data Breach # XXXX XXXX XXXX XXXX XXXX ( XXXX  ) On XX/XX/year>, I received a formal notification letter from XXXX XXXX XXXX, stating that : XXXX was the victim of a cybersecurity incident the criminal actor had stolen a number of files the affected files included borrower name, address, taxpayer identification number ( SSN/EIN ), loan account number, loan amount, interest rate, maturity date, phone number, email, and closing date. \n\nThis letter is attached as evidence and clearly states that : My name, My SSN, My address, My loan account numbers, My financial information were illegally accessed and stolen by a criminal actor between XX/XX/XXXX and XX/XX/XXXX, XXXX proves that not only was my personal data exposed, but my financial identity, loan identifiers, and full borrower profile were compromised. \nIdentity Theft Resulting from Both Breaches Because my personally identifiable information ( PII ) was compromised in XXXX major breaches, criminals had access to enough data to : Generate false inquiries - Dozens of lenders accessed my file without a permissible purpose. Alter my credit file, Addresses and identifiers appeared that do not belong to me. \nTrigger negative reporting- Charge-offs, late payments, and derogatory marks tied to breached data. \nLegal Basis Requiring FULL Deletion of All Negative Information Under the FCRA, the credit bureaus and creditors MUST delete all information resulting from identity theft, including : FCRA 605B Identity Theft Blocking FCRA 602 Maximum Possible Accuracy FCRA 611 Reinvestigation Requirement FCRA 623 ( a ) ( 1 ) ( A ) Furnisher Duty to Report Accurate Information Because my identity was compromised by TWO separate breaches, no negative account or inquiry can be presumed accurate or legitimate. \n\nI am requesting and legally demanding : Immediate BLOCKING and DELETION of All fraudulent accounts, All negative/derogatory items, All unauthorized inquiries, All inaccurate personal information, All accounts tied to 1099-C cancellation-of-debt reporting I have already filed an FTC Identity Theft Report ( Report # XXXX and Report # XXXX ). The accounts listed below are fraudulent and must be removed under FCRA 605B ( Blocking of Identity Theft Information ) and FCRA 623 ( a ) ( 1 ) ( A ) ( Furnisher accuracy requirement ). \n\nFraudulent Auto Loans & Personal Loans ( Reported without my authorization ) XXXX XXXX XXXX XXXX Account # XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX {$26000.00} XXXX XXXX XXXX Loan Account # XXXX {$3800.00} XXXX XXXX XXXX XXXX Account # XXXX {$290.00} These accounts contain reporting errors, inconsistent dates, incorrect balances, and do not match my financial history. \n\n( Fraudulent Credit Cards Reporting Without My Consent ) XXXX  Account # XXXX {$730.00} XXXX XXXX XXXX  Account # XXXX {$630.00} XXXX Bank Account # XXXX {$1300.00} These are inaccurate accounts. These accounts are reporting inaccurately. \nUnauthorized Hard Inquiries ( No permissible purpose ) Under FCRA 604, none of the following companies had a valid reason to pull my credit. \nI did not apply for credit with any of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these inquiries must be removed. \nPersonal Information Fraud, Unauthorized addresses and names have been added to my file that I did not provide or use. FCRA requires the bureaus to maintain accurate personal identifiers, and these errors indicate mixed-file identity contamination.\n\nFCRA Violations Being Committed FCRA 602 Failure to ensure maximum accuracy FCRA 604 Inquiries made without permissible purpose FCRA 605B Identity theft block not being applied FCRA 611 Improper reinvestigation procedures FCRA 623 Furnishers reporting inaccurate information I have already disputed these accounts and inquiries with the credit bureaus, but they continue reporting inaccurate and fraudulent information. \nWhat I am Requesting Through this CFPB Complaint 1. Immediate blocking and permanent deletion of all fraudulent accounts under FCRA 605B.\n\n2. Removal of * * all unauthorized inquiries * * made without permissible purpose.\n\n3. Investigation and enforcement action against any creditor who continues reporting fraudulent information.\n\n4. Correction of all personal identifying information contaminated by identity theft.\n\n5. Written confirmation from all credit bureaus and furnishers. \nI certify under penalty of perjury that the accounts and inquiries listed above were not authorized by me and are the result of identity theft or misuse of my personal information. \n\nFINAL NOTICE Arbitration and Federal Court Warning IF this complaint is ignored, if the negative information is not deleted, or if the bureaus/creditors continue reporting unverifiable or inaccurate data, I will immediately proceed with binding Arbitration and/or file a lawsuit in Federal Court. \n\nI am prepared to pursue claims for : FCRA violations Negligent reporting Willful reporting Violations of 605B identity theft blocking Damages for identity theft Damages for continued reporting after notice I have already accumulated : FTC Identity Theft Reports, Identity Theft Affidavits, Both data breach letters ( Equifax + XXXX ), My IdentityIQ credit file, My full dispute letters, Proof of fraudulent accounts, Proof of unauthorized inquiries, All legal documentation needed. \n\nThis serves as formal notice that failure to correct my reports immediately will result in Arbitration or Federal legal action with full evidentiary support.","date_sent_to_company":"2025-11-25T23:53:47.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"36695","tags":null,"has_narrative":true,"complaint_id":"17509373","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-11-25T23:53:20.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>serves</em> as formal notice that failure to correct my reports immediately will result in Arbitration or Federal legal action with full evidentiary support."]},"sort":[7.5311522,"17509373"]},{"_index":"complaint-public-v1","_id":"17509374","_score":7.5305605,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because my personal information has been compromised in multiple confirmed data breaches, resulting in fraudulent accounts, unauthorized inquiries, and inaccurate negative information appearing on my consumer reports with TransUnion, Equifax, and Experian. I am also formally OPTING OUT of all third-party data sharing, credit reporting of unverifiable accounts, and any continued furnishing of inaccurate information under FCRA and GLBA rights. In addition, some furnishers have illegally continued reporting accounts that were discharged, canceled, or forgiven, including accounts tied to a 1099-C, which legally proves the creditor ceased collection activity and reported the debt as income to the IRS. Once a debt is canceled or forgiven through a 1099-C, it can not be reported as an active collection, charge-off, delinquency, or balance on a consumer credit report.\n\nThis is a violation of FCRA 602, 623 ( a ) ( 1 ) ( A ), 605, and 607 ( b ) because the information is not accurate, complete, or legally reportable. Unlawfully Reported Accounts ( Including 1099-C Accounts ) Several creditors have continued reporting balances, charge-offs, or derogatory information EVEN AFTER issuing or triggering a 1099-C event, meaning : The creditor declared the debt as income and abandoned the right to collect. You CAN NOT legally report a discharged or forgiven debt to consumer reporting agencies because it no longer exists as a collectible obligation. \nI have firsthand written proof from the companies involved showing that my identity and financial information were exposed without my consent. \n\nProof of Data Breach # XXXX Equifax Data Breach ( XXXX ) I am officially listed as a victim of the Equifax XXXX XXXX. \nI have attached the official settlement eligibility confirmation which states : \" My personal information was impacted by this incident. \nThis breach exposed the personal information of over XXXX XXXX consumers, including mine. This includes : Name, Social Security Number, Address, Date of birth, Credit file identifiers, Loan information. This breach directly increased my vulnerability to identity theft and unauthorized access to my credit profile. \n\nProof of Data Breach # XXXX XXXX XXXX XXXX XXXX ( XXXX  ) On XX/XX/year>, I received a formal notification letter from XXXX XXXX XXXX, stating that : XXXX was the victim of a cybersecurity incident the criminal actor had stolen a number of files the affected files included borrower name, address, taxpayer identification number ( SSN/EIN ), loan account number, loan amount, interest rate, maturity date, phone number, email, and closing date. \n\nThis letter is attached as evidence and clearly states that : My name, My SSN, My address, My loan account numbers, My financial information were illegally accessed and stolen by a criminal actor between XX/XX/XXXX and XX/XX/XXXX, XXXX proves that not only was my personal data exposed, but my financial identity, loan identifiers, and full borrower profile were compromised. \nIdentity Theft Resulting from Both Breaches Because my personally identifiable information ( PII ) was compromised in XXXX major breaches, criminals had access to enough data to : Generate false inquiries - Dozens of lenders accessed my file without a permissible purpose. Alter my credit file, Addresses and identifiers appeared that do not belong to me. \nTrigger negative reporting- Charge-offs, late payments, and derogatory marks tied to breached data. \nLegal Basis Requiring FULL Deletion of All Negative Information Under the FCRA, the credit bureaus and creditors MUST delete all information resulting from identity theft, including : FCRA 605B Identity Theft Blocking FCRA 602 Maximum Possible Accuracy FCRA 611 Reinvestigation Requirement FCRA 623 ( a ) ( 1 ) ( A ) Furnisher Duty to Report Accurate Information Because my identity was compromised by TWO separate breaches, no negative account or inquiry can be presumed accurate or legitimate. \n\nI am requesting and legally demanding : Immediate BLOCKING and DELETION of All fraudulent accounts, All negative/derogatory items, All unauthorized inquiries, All inaccurate personal information, All accounts tied to 1099-C cancellation-of-debt reporting I have already filed an FTC Identity Theft Report ( Report # XXXX and Report # XXXX ). The accounts listed below are fraudulent and must be removed under FCRA 605B ( Blocking of Identity Theft Information ) and FCRA 623 ( a ) ( 1 ) ( A ) ( Furnisher accuracy requirement ). \n\nFraudulent Auto Loans & Personal Loans ( Reported without my authorization ) XXXX XXXX XXXX XXXX Account # XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX {$26000.00} XXXX XXXX XXXX Loan Account # XXXX {$3800.00} XXXX XXXX XXXX XXXX Account # XXXX {$290.00} These accounts contain reporting errors, inconsistent dates, incorrect balances, and do not match my financial history. \n\n( Fraudulent Credit Cards Reporting Without My Consent ) XXXX  Account # XXXX {$730.00} XXXX XXXX XXXX  Account # XXXX {$630.00} XXXX Bank Account # XXXX {$1300.00} These are inaccurate accounts. These accounts are reporting inaccurately. \nUnauthorized Hard Inquiries ( No permissible purpose ) Under FCRA 604, none of the following companies had a valid reason to pull my credit. \nI did not apply for credit with any of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these inquiries must be removed. \nPersonal Information Fraud, Unauthorized addresses and names have been added to my file that I did not provide or use. FCRA requires the bureaus to maintain accurate personal identifiers, and these errors indicate mixed-file identity contamination.\n\nFCRA Violations Being Committed FCRA 602 Failure to ensure maximum accuracy FCRA 604 Inquiries made without permissible purpose FCRA 605B Identity theft block not being applied FCRA 611 Improper reinvestigation procedures FCRA 623 Furnishers reporting inaccurate information I have already disputed these accounts and inquiries with the credit bureaus, but they continue reporting inaccurate and fraudulent information. \nWhat I am Requesting Through this CFPB Complaint 1. Immediate blocking and permanent deletion of all fraudulent accounts under FCRA 605B.\n\n2. Removal of * * all unauthorized inquiries * * made without permissible purpose.\n\n3. Investigation and enforcement action against any creditor who continues reporting fraudulent information.\n\n4. Correction of all personal identifying information contaminated by identity theft.\n\n5. Written confirmation from all credit bureaus and furnishers. \nI certify under penalty of perjury that the accounts and inquiries listed above were not authorized by me and are the result of identity theft or misuse of my personal information. \n\nFINAL NOTICE Arbitration and Federal Court Warning IF this complaint is ignored, if the negative information is not deleted, or if the bureaus/creditors continue reporting unverifiable or inaccurate data, I will immediately proceed with binding Arbitration and/or file a lawsuit in Federal Court. \n\nI am prepared to pursue claims for : FCRA violations Negligent reporting Willful reporting Violations of 605B identity theft blocking Damages for identity theft Damages for continued reporting after notice I have already accumulated : FTC Identity Theft Reports, Identity Theft Affidavits, Both data breach letters ( Equifax + XXXX ), My IdentityIQ credit file, My full dispute letters, Proof of fraudulent accounts, Proof of unauthorized inquiries, All legal documentation needed. \n\nThis serves as formal notice that failure to correct my reports immediately will result in Arbitration or Federal legal action with full evidentiary support.","date_sent_to_company":"2025-11-25T23:53:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"36695","tags":null,"has_narrative":true,"complaint_id":"17509374","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-25T23:53:20.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>serves</em> as formal notice that failure to correct my reports immediately will result in Arbitration or Federal legal action with full evidentiary support."]},"sort":[7.5305605,"17509374"]},{"_index":"complaint-public-v1","_id":"17505977","_score":7.5305605,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because my personal information has been compromised in multiple confirmed data breaches, resulting in fraudulent accounts, unauthorized inquiries, and inaccurate negative information appearing on my consumer reports with TransUnion, Equifax, and Experian. I am also formally OPTING OUT of all third-party data sharing, credit reporting of unverifiable accounts, and any continued furnishing of inaccurate information under FCRA and GLBA rights. In addition, some furnishers have illegally continued reporting accounts that were discharged, canceled, or forgiven, including accounts tied to a 1099-C, which legally proves the creditor ceased collection activity and reported the debt as income to the IRS. Once a debt is canceled or forgiven through a 1099-C, it can not be reported as an active collection, charge-off, delinquency, or balance on a consumer credit report.\n\nThis is a violation of FCRA 602, 623 ( a ) ( 1 ) ( A ), 605, and 607 ( b ) because the information is not accurate, complete, or legally reportable. Unlawfully Reported Accounts ( Including 1099-C Accounts ) Several creditors have continued reporting balances, charge-offs, or derogatory information EVEN AFTER issuing or triggering a 1099-C event, meaning : The creditor declared the debt as income and abandoned the right to collect. You CAN NOT legally report a discharged or forgiven debt to consumer reporting agencies because it no longer exists as a collectible obligation. \nI have firsthand written proof from the companies involved showing that my identity and financial information were exposed without my consent. \n\nProof of Data Breach # XXXX Equifax Data Breach ( XXXX ) I am officially listed as a victim of the Equifax XXXX XXXX. \nI have attached the official settlement eligibility confirmation which states : \" My personal information was impacted by this incident. \nThis breach exposed the personal information of over XXXX XXXX consumers, including mine. This includes : Name, Social Security Number, Address, Date of birth, Credit file identifiers, Loan information. This breach directly increased my vulnerability to identity theft and unauthorized access to my credit profile. \n\nProof of Data Breach # XXXX XXXX XXXX XXXX XXXX ( XXXX  ) On XX/XX/year>, I received a formal notification letter from XXXX XXXX XXXX, stating that : XXXX was the victim of a cybersecurity incident the criminal actor had stolen a number of files the affected files included borrower name, address, taxpayer identification number ( SSN/EIN ), loan account number, loan amount, interest rate, maturity date, phone number, email, and closing date. \n\nThis letter is attached as evidence and clearly states that : My name, My SSN, My address, My loan account numbers, My financial information were illegally accessed and stolen by a criminal actor between XX/XX/XXXX and XX/XX/XXXX, XXXX proves that not only was my personal data exposed, but my financial identity, loan identifiers, and full borrower profile were compromised. \nIdentity Theft Resulting from Both Breaches Because my personally identifiable information ( PII ) was compromised in XXXX major breaches, criminals had access to enough data to : Generate false inquiries - Dozens of lenders accessed my file without a permissible purpose. Alter my credit file, Addresses and identifiers appeared that do not belong to me. \nTrigger negative reporting- Charge-offs, late payments, and derogatory marks tied to breached data. \nLegal Basis Requiring FULL Deletion of All Negative Information Under the FCRA, the credit bureaus and creditors MUST delete all information resulting from identity theft, including : FCRA 605B Identity Theft Blocking FCRA 602 Maximum Possible Accuracy FCRA 611 Reinvestigation Requirement FCRA 623 ( a ) ( 1 ) ( A ) Furnisher Duty to Report Accurate Information Because my identity was compromised by TWO separate breaches, no negative account or inquiry can be presumed accurate or legitimate. \n\nI am requesting and legally demanding : Immediate BLOCKING and DELETION of All fraudulent accounts, All negative/derogatory items, All unauthorized inquiries, All inaccurate personal information, All accounts tied to 1099-C cancellation-of-debt reporting I have already filed an FTC Identity Theft Report ( Report # XXXX and Report # XXXX ). The accounts listed below are fraudulent and must be removed under FCRA 605B ( Blocking of Identity Theft Information ) and FCRA 623 ( a ) ( 1 ) ( A ) ( Furnisher accuracy requirement ). \n\nFraudulent Auto Loans & Personal Loans ( Reported without my authorization ) XXXX XXXX XXXX XXXX Account # XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX {$26000.00} XXXX XXXX XXXX Loan Account # XXXX {$3800.00} XXXX XXXX XXXX XXXX Account # XXXX {$290.00} These accounts contain reporting errors, inconsistent dates, incorrect balances, and do not match my financial history. \n\n( Fraudulent Credit Cards Reporting Without My Consent ) XXXX  Account # XXXX {$730.00} XXXX XXXX XXXX  Account # XXXX {$630.00} XXXX Bank Account # XXXX {$1300.00} These are inaccurate accounts. These accounts are reporting inaccurately. \nUnauthorized Hard Inquiries ( No permissible purpose ) Under FCRA 604, none of the following companies had a valid reason to pull my credit. \nI did not apply for credit with any of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these inquiries must be removed. \nPersonal Information Fraud, Unauthorized addresses and names have been added to my file that I did not provide or use. FCRA requires the bureaus to maintain accurate personal identifiers, and these errors indicate mixed-file identity contamination.\n\nFCRA Violations Being Committed FCRA 602 Failure to ensure maximum accuracy FCRA 604 Inquiries made without permissible purpose FCRA 605B Identity theft block not being applied FCRA 611 Improper reinvestigation procedures FCRA 623 Furnishers reporting inaccurate information I have already disputed these accounts and inquiries with the credit bureaus, but they continue reporting inaccurate and fraudulent information. \nWhat I am Requesting Through this CFPB Complaint 1. Immediate blocking and permanent deletion of all fraudulent accounts under FCRA 605B.\n\n2. Removal of * * all unauthorized inquiries * * made without permissible purpose.\n\n3. Investigation and enforcement action against any creditor who continues reporting fraudulent information.\n\n4. Correction of all personal identifying information contaminated by identity theft.\n\n5. Written confirmation from all credit bureaus and furnishers. \nI certify under penalty of perjury that the accounts and inquiries listed above were not authorized by me and are the result of identity theft or misuse of my personal information. \n\nFINAL NOTICE Arbitration and Federal Court Warning IF this complaint is ignored, if the negative information is not deleted, or if the bureaus/creditors continue reporting unverifiable or inaccurate data, I will immediately proceed with binding Arbitration and/or file a lawsuit in Federal Court. \n\nI am prepared to pursue claims for : FCRA violations Negligent reporting Willful reporting Violations of 605B identity theft blocking Damages for identity theft Damages for continued reporting after notice I have already accumulated : FTC Identity Theft Reports, Identity Theft Affidavits, Both data breach letters ( Equifax + XXXX ), My IdentityIQ credit file, My full dispute letters, Proof of fraudulent accounts, Proof of unauthorized inquiries, All legal documentation needed. \n\nThis serves as formal notice that failure to correct my reports immediately will result in Arbitration or Federal legal action with full evidentiary support.","date_sent_to_company":"2025-11-25T23:53:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"36695","tags":null,"has_narrative":true,"complaint_id":"17505977","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-11-25T21:40:07.000Z","state":"AL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["This <em>serves</em> as formal notice that failure to correct my reports immediately will result in Arbitration or Federal legal action with full evidentiary support."]},"sort":[7.5305605,"17505977"]},{"_index":"complaint-public-v1","_id":"5661757","_score":7.1561594,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint is a complaint in accordance with the Securities Exchange Commission ( SEC ), Federal Trade Commission and other Financial Service Industry and Regulations. \n\nWhen anyone is conducting any business in dealing with exchanging and transferring funds across United States Terrorities and Foregin Terrorities they are supposed to be licensed in currency trading and should be able to produce such license to anyone upon request at a moment notice. They too should have Errors and Ommission Insurance in place as well as other Property and Casualty Insurance such as Professional Liablity Insurance in place.\n\nIn nature to this detail complaint I am submitting before the Security Exchange Commission ( SEC ), Federal Trade Commission and Consumer Financial Protection Bureau I am submitting this complaint in good faith that everything in it and everything apart of it is legal, accurate, true and correct and should immeidate warrant an order filed and served upon Coinbase.com to produce their records requested and to order to Cease and Desist Operation until validation of paperwork, licenses and return of unauthorized funds are returned back to my XXXX XXXX  XXXX, XXXX. account which Coinbase.com pulled without my authorization or consent to withdraw after serveral notices were attempted to cease and cancel any tranaction that they were responsible and liable for generating after my attempt to notify Coinbase.com of illegal events and activities that were going on using their platform. \n\nIn nature to my complaint to Coinbase.com I too advised Coinbase.com to immediately contact the Federal Bureau of Investigation ( FBI ) at https : //complaint.ic3.gov/default.aspx #. If Coinbase.com failed to do so that should tell everyone that they did not want to and they fully was aware of the illegal event and activities. The date and time and the IP address that registered in the system does not lie now Coinbase.com must come forward and show up and show that both IP addresses in question are my IP addresses and must show that I never made any attempt to contact Coinbase.com or XXXX  XXXX XXXX, XXXX in nature to the fraudlent event or activities. \n\nI turned over to Coinbase.com the perso name that represented Coinbase.com and assisted me in setting up such Coinbase 's account. \n\nNow further read the detail Notice of Intent to file a law suit against Coinbase.com if this matter is not rectified and settled within the timeframe this complaint is filed before the government agencies listed in the complaint. \n\n_____________________________________________________ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Coinbase.com Attn : Legal Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Re : Notice Intent to Sue Letter Dear Coinbase.com Owner : This notice is a written communication before the Consumer Financial Protection Bureau and the Federal Trade Commission on the illegal events and activities that has been discussed and brought before everyone in regarding the fraudulent activities that has taken place over your site or server. \n\nI have written to you already on numerous times in regard to immediately returning my {$10000.00} that was sent to your site after my notification to you not to pull from my Bank Account with XXXX XXXX  XXXX, XXXX. after suspecting criminal activity. \n\nIt has now been noted and brought to your attention in all the right and proper ways and I too validated on the records in your statement that such transaction was unauthorized or not authorized. \n\nBy your record you have a suspicious IP address that you know that is not my IP address and at that moment you should have immediately shut down the account and any transfer activities as I timely notified you of this in a timely manner. \n\nWhile filing this Consumer Financial Protection Bureau Complaint. I have requested that you produce and provide the following since you mentioned subpoena or getting a subpoena to get you to return whatever paperwork, records or funds from this event or matter. I have requested from you to turn over all legit financial service records such as licenses to operate in any money service business as well as your errors and omission insurance records. I am also requesting your corporate attorneys name address and phone number so that legal paperwork can be served to such agent of record address since you wish and failed to honor your own disclosure statement or record for the definition of fraud is clearly evident here. \n\nFor your statement of the record does not match up with XXXX XXXX or XXXX XXXX your employees statements or records. For how such person can know so much about your business and for you to say on the record that I purchased some cryptocurrency when I have never purchased or invested in cryptocurrency. This along is FRAUD and should be immediately looked at and into by the Consumer Financial Protection Bureau, Federal Trade Commission, and a Circuit Court for XXXX XXXX in the State of Illinois. \n\nI have too requested that you immediately notify the Federal Bureau of Investigation ( FBI ) and file a IC3 complaint by now you should have filed such complaint and too should have such paperwork under Title 18, of the United States Code, Section 1001. You too should surrender such paperwork and surrender all the paperwork that you should have brought under your response to the Consumer Financial Protection Bureau Complaint as well as the attached Certification of Record that were sent to you by the Consumer Financial Protection Bureau. \n\nI am open and willing to consent to a JURY TRIAL since you mention subpoena to get information that I should not need a subpoena at this moment until you openly agree to a JURY TRIAL. \n\nThis complaint is not the same as the complaint before, but it is a legit record showing my legal rights to attempt to reach you and to notify you through another government agency to attempt to get this matter resolved before having to take you into any court to enforce return of my funds in the amount of {$10000.00} that you are not entitled to. \n\nYou disclosure talks about money laundering which you and your business is assisting in money laundering for there is not evidence showing that your business is not set up and established to prevent money laundering for if such is not correct then you too should know to whom these funds were transferred from my account to whoever account and where such funds were transferred through and from your system, you will have the full name of the person, address, phone number, and email address, etc. just like you have my name on file and in your system. \n\nCoinbase came to the Consumer financial Protection Bureau with a scam response and did not provide anything from the PROPER RECORDS that I uploaded on Consumer Financial Protection Bureaus site. ( See complaint file that is not the same but if such is the same then where are the records that you should be producing with your answer or response? ) Coinbase have came here and made two key comments to justify the immediate return of my {$10000.00} back to my XXXX XXXX XXXXXXXX, XXXX. Account. \n\nI asked Coinbase.com to produce their legal counsel of records and physical address to be professionally and legally served. As of this date Coinbase.com has not produce or provided anything but a bogus statement to mislead others. \n\nIf I file a report or complaint of a Fraud or Scam, then the respondent should be responding back with certified proof evidence that such is not FRAUD or a Scam. \n\nCareful review the terms and definitions below on what is FRAUD and also understanding by the key definition below what is the definition of money laundering : wrongful or criminal deception intended to result in financial or personal gain. \n\" he was convicted of fraud '' Similar : Fraudulence, sharp practice, cheating, swindling, trickery, artifice, deceit, deception, double-dealing, duplicity, treachery, chicanery, skulduggery, imposture, embezzlement, monkey business, funny business Crookedness, hanky-panky, shenanigans, flimflam, jiggery-pokery, monkeyshines, management, knavery, trick, cheat, hoax, subterfuge, stratagem, wile, ruse, swindle, racket, scam, con, con trick, rip-off, leg-pull, sting, gyp, kite, diddle, fiddle, swizzle, bunco, boondoggle, hustle, grift, rort a person or thing intended to deceive others, typically by unjustifiably claiming or being credited with accomplishments or qualities. \n\" mediums exposed as tricksters and frauds '' Similar : Impostor, fake, sham, pretender, hoodwinker, masquerader, charlatan, quack, mountebank, swindler, fraudster, racketeer, cheat Money Laundering is as follows : XXXX the concealment of the origins of illegally obtained money, typically by means of transfers involving foreign banks or legitimate businesses. \n\" he was convicted of money laundering and tax evasion '' In accordance with the Federal Bureau of Investigation : The Money Laundering Control Act of 1986 ( Public Law 99-570 ) is a United States Act of Congress that made money laundering, a federal crime. It was passed in 1986. It consists of two sections, 18 U.S.C. 1956 and 18 U.S.C. 1957. It for the first time in the United States criminalized money laundering. Section 1956 prohibits individuals from engaging in a financial transaction with proceeds that were generated from certain specific crimes, known as \" specified unlawful activities '' ( SUAs ). Additionally, the law requires that an individual specifically intend in making the transaction to conceal the source, ownership or control of the funds. There is no minimum threshold of money, nor is there the requirement that the transaction succeed in actually disguising the money. Moreover, a \" financial transaction '' has been broadly defined, and need not involve a financial institution, or even a business. Merely passing money from one person to another, so long as it is done with the intent to disguise the source, ownership, location or control of the money, has been deemed a financial transaction under the law. Section 1957 prohibits spending in excess of {$10000.00} derived from an SUA, regardless of whether the individual wishes to disguise it. This carries a lesser penalty than money laundering, and unlike the money laundering statute, requires that the money pass through a financial institution. [ 1 ] [ 2 ] Now, I need a consent to a JURY TRIAL document turned over to me so that we can get this matter or issue before a JURY TRIAL for that {$10000.00} that you unauthorized pulled from my XXXX  XXXX XXXX, XXXX. is still my funds in which you have failed to honor the respect of the banking industry or financial service industry to return such funds back to the rightful owner which is me ( XXXX XXXX ). \nSincerely, XXXX XXXX Fraud Victim Enclosures : Records Certification Notice CC : Federal Trade Commission XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Securities Exchange Commission XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX _______________________________________________________ This is not a duplicate complaint but a complaint to validate our records of facts that this financial service merchant does not follow or abbey by his or her own business policies. \n\nWe need all the official records as noted in the complaint that is sent to the Merchant called Coinbase.com fully read the information below : If we suspect the transaction involves ( or has a high risk of involvement in ) money laundering, terrorist financing, fraud, or any other type of financial crime ; in response to a subpoena, court order, or other government order ; if we reasonably suspect that the transaction is erroneous ; or if Coinbase suspects the transaction relates to Prohibited Use or a Prohibited Business as set forth below. In such instances, Coinbase will reverse the transaction and we are under no obligation to allow you to reinstate a purchase or sale order at the same price or on the same terms as the canceled transaction. To Whom This May Concern : Coinbase has not produced anything to validate its statements or claims but wishes to continue to filibuster this public complaint before the Consumer Financial Protection Bureau. Coinbase still has not produced such a legal license or certification as I have a right to see and have for my records. Coinbase makes such claim that I purchase some cryptocurrencies produce the receipt of purchase where I made such purchase. Coinbase refused and danced around to the issues of the IP Address in question and in issues. Coinbase refused to submit any documentation of proof showing that such representative did not or does not work with Coinbase.com. If such a person does not work with Coinbase.com or has never been affiliated with Coinbase.com then this is an official and legal matter of FRAUD. When Coinbase.com has to come into a court of law to prove. If such is FRAUD then Coinbase.com is responsible for the funds that they had pulled from my checking account after telling them not to pull from my checking account. Coinbase should have a better system set up and established to prevent any unauthorized transaction from anyone 's account. Whatever method you have set in place you should know where the funds are going, and to which account such funds are going after having them fully verify themselves as a sender or a receiver. How can you have a business that is set up in accordance with the Federal Trade Commission ( FTC ) 's rules, regulations, policies, procedures, and applicable laws to prevent money laundering and you can explain to any law enforcement or any official or legal government agency where such funds are going and into who account such funds are going into. You are assisting in the illegal event and illegal activities because somewhere and somehow you received a payment in some form or another and I am not the person or party that you are going to think that I am just going to allow you to get away with this scam. This is a SCAM and Coinbase.com is a SCAM supporting business. When you noticed such an alert triggered Coinbase.com should have shut it down and locked the consumer account and pick up the phone and directly made such communication contact with the consumer. Coinbase.com needs to be shown to the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Federal Bureau of Investigation that such were performed. If Coinbase.com can not show measures or attempts to prevent FRAUD or illegal sign-in detection then Coinbase.com is fully liable for these funds that are mysteriously missing or transmitted out of this account without my knowledge, approval, or consent. It is just that simple. Now since Coinbase.com mentioned court and legal actions such as a subpoena. But still does not open and legally consent to a jury trial if legal court action is to result from this. I want paperwork officially and legally sign in advance that you are consenting to a JURY TRAIL to prove your case that this is not FRAUD. I need a physical address and not some po box for you should know that no legal service can not be perfected upon a po box . If you're required to be my physical address from your service, then I too should be entitled to get your physical address for proper service. We don't want any issues or hang up in not something being done in accordance with a Sheriff Department legal service when such paperwork served must be under a sworn affidavit by someone able to serve such legal documents. What you have done is not my issue or mistake it is your issue or mistake for I don't purchase cryptocurrency and I am not interested in purchasing such and never have been interested in purchasing such. So let 's please get that corrected for the records. Once you claim and said that I participated in cryptocurrency you made an untruthful statement which is FRAUD. You have the paperwork from the Federal Bureau of Investigation telling you exactly what to do and it is very strange that even to this date, you have not attempted to do anything. As well, as I have to file an IC3 Report then so should you for everything to equally match up in the Federal Bureau of Investigation 's database. The Consumer Financial Protection Bureau should know that I am correct and XXXX XXXX XXXX, XXXX. has proof that you carried out an unauthorized transaction and even it is printed in your communication of record that such as unauthorized but now you wish to try to claim that such was authorized and authorized by me which validate FRAUD. I encourage you to come clean and come correct for I have done everything that I was supposed to do from all legal aspects and to make people aware that this cryptocurrency claims, or business is an undercover scam and such should not exist or should have never been approved by whoever approved such. But you want to come into the Consumer Financial Protection Bureau and make such a claim that I am a cryptocurrency consumer when I am not. In closing, we need official and legal records from you showing that such date and time when such business was established and the legal corporation paperwork outlining what this kind of business is supposed to do for the people for which you are doing business. There is paperwork that should be to support my request. I need everything legal, accurate, and correct for law purposes and court purposes for we don't need any further issues or delays. You too should have Errors and Omissions Insurance in your records and a policy that covers and protect such occurrences as this one. Please produce such a policy agency that covers such and the policy number for the record. When you have two parties submitting conflicting statements, you have FRAUD, and such should be immediately reported to your law enforcement agency when this is a result of CYBER CRIMES or FINANCIAL SERVICE CRIMES. Now if I can do my part then COINBASE.COM should be able to do their part. I rest here and continue to wait for PROPER RECORDS that you should be producing to cause you to handle any funds of mine and to send out any funds of mine under my legal authorization and consent. PLEASE IMMEDIATELY TURN OVER YOUR RECORDS OF CERTIFICATION FOR THE RECORDS. COINBASE.COM has not produced anything to support its statements. XXXX XXXX Fraud Victim Securities Exchange Commission ( SEC ) Regulation Best Interest. \nUnder basic contract law, fraud in the formation of a contract renders the contract voidable by the innocent party at any time. Following this contract law principle, a merchant, buyer, or seller could declare a policy null and void if the person generating the transaction such under the terms and condition of coinbase.com in which such person lied in the act of performance or performing such illegal event or activities in his or her application for the process of generating any investment tool or engine, no matter when the merchant, business or agent discovered the lie. \n\nIn this case before the Consumer Financial Protection Bureau, Federal Trade Commission, and the Financial Securities Exchange Commission where Coinbase.com should have proof of certification of operating a money trading business or platform as well as should have proof of certification of licenses in place and such should be ready and made available to everyone via the internet to valid their business in trading and such cryptocurrency. [ By the way, I dont know what cryptocurrency is and know nothing about it, so why would I purchase such? ] You need to return my funds in amount of {$10000.00} for such transaction or act performed by such business personnel is fraudulent. \n\nA person by the name XXXX XXXX XXXX XXXX XXXX represented herself as a Coinbase.com employee or staff and is very knowledgeable with Coinbase.coms platform. If such is not true then the first paragraph in this notice before Coinbase.com, Consumer Financial Protection Bureau, The Federal Trade Commission and the Security Exchange Commission is true that this activity that was transmitted and transpired on Coinbase.coms platform is FRAUD. \n\nIn the online records before the Consumer Financial Protection Bureau coinbase.com has admitted that such event or activity was not authorized therefore placing the word as UNAUTHORIZED meaning that Coinbase.com nor such employee of Coinbase.com did not have the authorization and consent to funnel with and tamper with the account that is set up in my name under Coinbase.com and XXXX XXXXXXXX XXXX, XXXX. and therefore, the funds should have been immediately returned for if you clearly read the disclosure printed up and generated by Coinbase.com as their defense, it does not match up and does not validate or justify why such funds have not been returned back to my XXXX XXXXXXXX XXXX, XXXX. account. \n\nAs we submit this to everyone as well as Coinbase.com the definition of FRAUD is clearly stated and explained below. \n\nCoinbase.com knows where the funds are and knows where the funds went and knows how to timely and effectively recover the funds and knows how to report an illegal or criminal activity or event to the local law enforcement authorities. \n\nBy now Coinbase.com should have a police report and too should have an IC3 report from the Federal Bureau of Investigation to show proof that such is not money laundering or FRAUD or a scam. \n\nI have attached a record for record certification where coinbase.com should be open and willing to produce certified records to support its business operation online as well as produce license, and E & O Omission Insurance Policy that his business should have under the property and casualty insurance to protect itself and his employees from liability. \nIn a pervious noted comment by coinbase.com representative, coinbase.com mention subpoena in order for anyone to get a subpoena they need to have a civil action performed against a party such as coinbase.com. Since such was mentioned and noted then coinbase.com should be open and willing to sign a consent form for a jury trial and not for such illegal or criminal event or activities that has transpired on coinbase.coms platform should not be heard by a magistrate judge or a circuit court judge, but a jury panel in which coinbase.com should be able to enter such business defense before a jury. \n\nI am consenting to a jury trial in this complaint in which the Consumer Financial Protection Bureau should be serving upon Coinbase.com for an answer, and response in nature to crediting back my account and transferring my funds back to XXXX XXXX XXXX, XXXX. \n\nEverything that has been mentioned here will be used and mentioned in any court of law and before a jury. [ END ]","date_sent_to_company":"2022-06-12T05:40:58.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"60657","tags":null,"has_narrative":true,"complaint_id":"5661757","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2022-06-12T04:58:07.000Z","state":"IL","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["We don't want any issues or hang up in not something being done in accordance with a Sheriff Department legal service when such paperwork <em>served</em> must be under a sworn <em>affidavit</em> by someone able to <em>serve</em> such legal documents. What you have done is not my issue or mistake it is your issue or mistake for I don't purchase cryptocurrency and I am not interested in purchasing such and never have been interested in purchasing such. So let 's please get that corrected for the records."]},"sort":[7.1561594,"5661757"]},{"_index":"complaint-public-v1","_id":"6352404","_score":7.0980024,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My Response : First of ALL the disputed was start back in XXXX of this year, see attached documents, when I sent a request in writing to the bank to request for a certified accounting statement of account. Secondly I sent another request for a validation of the debt and proof that the debt wasn't owed and already tender by the form of tender of payment of negotiable instrument. As result I have sent documents to verify that the debt was already discharged by the CFO of the company.I gave the bank 3 MONTHS to prove me wrong, Still tell this day that still haven't provided proof ... NOW THEY OWE ME SEE ATTACHED INVOICE Affidavit that Im the CREDITOR, and everything is PREPAID! \n\n\nReference : American Jurisprudence 2d State & Federal Consumer and Borrower Protection and Contractors Bonds Fonseca, Handling Consumer Credit cases 3d, 8:2 The extent to which the Truth in Lending Act applies to particular persons or transactions is governed by the definitions supplied by the Act. A basic definition is of the term \" credit, '' which means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. The consumers ; consumer credit is backed by the collateral of my birth-right, Im Indigenous to the land and my signature on the application. One of the purposes of the Truth in Lending Act is the protection of credit consumers. The Act provides that the word \" consumer, '' used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. A number of cases have construed this provision. Whether an investment loan is for a personal or business purpose requires a case by case analysis. ' The term \" consumer credit '' is not defined in the Act itself, but the implementing regulation defines such a term as credit offered or extended to a consumer primarily for personal, family, or household purposes. The United States Supreme Court has held that in every \" consumer credit '' transaction, two elements must be present : the party to whom the credit is extended must be a natural person, and the money, property, or services received by that person must be primarily for personal, family, or household purposes. \n\nCommonly referred to in the cases as the \" Federal Reserve Board. '' A person '' means a natural person or an organization I An \" organization means a corporation, government, or governmental subdivision or agency, trust, estate, partnership, co-operative, or association. The term \" creditor '' is redefined to mean only the person to whom the debt is initially payable! The purpose of the Truth in lending Act is to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. The Act is designed to remedy problems caused by ignorance of the nature of credit obligations and costs divergent and sometimes fraudulent practices with regard to information, credit terms, as a result of which many consumers have been prevented from shopping for the best credit terms available and, at times, have been promoted to assume burdensome liabilities. \nFurthermore, it is the purpose of the Act to promote the informed use of credit by requiring creditors to disclose the true cost of consumer credit. \n\nNOTICE TO FIRST PROGRESS BANK FOR EMBEZZLEMENT, THEFT BY DECEPTION & EXTORTION FAILING TO DISCHARGE ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49. JUNE 5, 6,1933 HR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 but not limited to : Since House Joint Resolution 192 ( HJR 192 ) ( Public law 7310 ) was passed in 1933 we have only had debt, because all property and gold was seized by the government as collateral in the bankruptcy of the United States . In 1863 the first Bank Act was passed. The Office of the Comptroller of the Currency ( or OCC ) is a US federal agency established by the National Currency Act of 1863 and serves to charter, regulate, and supervise all national banks and the federal branches and agencies of foreign banks in the United States.\n\nThe OCC was created by Abraham Lincoln to fund the American Civil War but was later transformed into a regulatory agency to instill confidence in the National Banking system and protect consumers from misleading business practices. The Lieber Code, or General Order 100 was also created by Abraham Lincoln in 1863. The National Bank Act ( ch. 58, 12 Stat. 665, February 25, 1863 ) was a United States federal law that established a system of national charters for banks, the United States national banks. It encouraged development of a national currency based on bank holdings of the U.S. Treasury securities, the so-called National Bank Notes . It also established the Office of the Comptroller of the Currency ( OCC ) as part of the Department of the Treasury. This was to establish a national security holding body for the existence of the monetary policy of the state. \nThe Act, together with Abraham Lincoln 's issuance of \" greenbacks '', raised money for the federal government in the American Civil War by enticing banks to buy federal bonds and taxing state bank issued currency out of existence. The law proved defective and was replaced by the National Bank Act of 1864. The money was used to fund the Union army in the fight against the Confederacy. This authorized the OCC to examine and regulate nationally-chartered banks. \nThe above only partially begins to include the historical records and other Acts of Congress that proves the US bankruptcy of 1933 and that there is no money, only credit that the American People are the Creditors.\n\nAll credit card companies knowingly have been sending their ( customers ) dividends but, in fact, making each recipient believe that dividend was an invoice for services provided by the credit card companies.\n\nThe Credit Card Companies have mailed through the US Mail an intentional misrepresentation of facts, unfair business practices and each credit card company and agents thereof have knowingly with forethought and malice created a fraudulent debt, defrauding the Creditor, that is the recipient of said dividends, that the credit card companies lead the recipient to believe through deception is an invoice.\n\nThe Credit Card Companies in turn then extract through extortionate measures payment from the customers instead of the credit card companies informing those same recipients that this dividend is in actuality payment to the recipient as a charged off debt pursuant to the incorporated in entirety documented evidence provided herein.\n\nALL credit card companies have thus created a convertible and fraudulent debt. ( see ANALYSIS OF A COUNTRY EMBEZZLED ). Every/all credit card companies have failed to pay off any of the public debt but rather unlawfully redirected ill-gotten gains into private corporate accounts through embezzlement, theft by deception, fraudulent conversion, and in violation to each all incorporated in entirety laws established through and as a result of the US Bankruptcy of 1933 , wherein there is no money, only \" bank Notes '' which are but only a promise to pay. Thus all debts are to be discharged as agreed, but The Credit Card Companies ( and banks ) through their greed have not discharged any debt, fraudulently making the creditor customer deeper in debt by credit card companies use of \" Bank Notes '' or \" promissory Notes '' that the credit card companies add to the public debt side of the books rather than discharging the debts as stipulated in Public Laws, House Resolutions, and House Joint Resolutions. Additionally, the alleged invoices sent to every recipient is a dividend an/or a coupon to the recipient. The credit card companies all know this to be a fact. \nThe Comptroller of The Currency also knows all of the above to be irrefutable facts, but is acting as a money laundering agency by/for/through/ the privately owned Federal Reserve, in Washington XXXX DC, et al XXXX The Comptroller of the Currency at County, State, and Federal level all know the incorporated documents and testimony to be true, but have yet to discharge any of the public debt, therefore have misappropriated funds through embezzlement, theft by deception, obtaining money through false pretenses, extortion and other predicate acts since the date of Comptroller of the Currency inception of 1863. All credit card companies, which are private for profit corporations, regardless of location, are knowingly participating in the fraud and Ponzi scheme with the intent to fraudulently convert this and every other country 's wealth into private industry accounts by fraudulent conveyance, embezzlement, theft by deception, creating fraudulent debts, Ponzi scheme and fraud through the US Mail, just for starters.\n\nEvery judge and every attorney in America, especially those who hold positions with several direct connections into the credit card companies bank accounts and acting as attorneys for the banks, most presumably in all other countries as well, since they all get their instructions from England the same place that all the banks get their instructions through the Comptroller of The Currency headquarters in London England, each knowing the above and incorporated to be true, since they are well versed on the US Bankruptcy of 1933 and that America still remains to date in a state of Emergency and operates under English Law, though that also is supposed to be a well kept secret.\n\nThis means there \" IS NO MONEY. '' It further means that since there is no money American 's signatures are used as the credit to run this country. That in turn means that it is the American people who are the Creditors not the Debtors, as the banks and credit card companies would like everyone to believe.\n\nThe Credit Card Companies have been operating with this knowledge with intent, forethought and malice to commit the crimes mentioned herein but not limited to. Due to the facts incorporated herein in entirety, all debts are to be charged off, including but not limited to every alleged credit card invoice, which each/all have actually been a dividend, for which every credit card company embezzled payment through fraud, using extortion and other threats to discontinue service if \" Payment is not made. These alleged invoices were dividends that every credit card company using deceptive business practice lead the public to believe were debts owed, when it is a fact that it is the utilities companies who owe the American public all those fraudulently received ill gotten gains plus the interest, stocks, bonds and other proceeds derived therefrom. All utilities companies are now put on notice that all debts are to be charged off pursuant to the stipulated and incorporated herein Acts et al. \n\nCreditors Under the Truth in Lending Act, the term \" creditor '' refers only to a person who both regularly extends, whether in connection with loans, sales of Hahn v Hank 's Ambulance Service , Inc. ( CA11 Ala ) 787 F2d 543, reh den, en banc ( CA11 Ala ) 792 F2d 1126.\n\n15 USCS 1602 ( e ).\n\nLaw Reviews : The Scope of the Truth-In-Lending Act and Regulation Z. 30 Prac Law 39, October 15, 1984.\n\nAnnotations : Application of Truth in Lending Act ( 15 USCS 1601 et seq. ) to loans which are void under state laws, 54 ALR Fed 15 USCS 1602 ( h ). \n\nSelman y Manor Mortg. Co. ( ED Mich ) 551 F Supp 345 ; Anderson v Foothill Industrial Bank ( Wyo ) 674 P2d 232.","date_sent_to_company":"2022-12-23T02:31:38.000Z","issue":"Improper use of your report","sub_product":"General-purpose credit card or charge card","zip_code":"20743","tags":null,"has_narrative":true,"complaint_id":"6352404","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synovus Bank","date_received":"2022-12-23T00:58:27.000Z","state":"MD","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["As result I have sent documents to verify that the debt was <em>already</em> discharged by the CFO of the company.I gave the bank 3 MONTHS to prove me wrong, Still tell this day that still haven't provided proof ... NOW THEY OWE ME SEE ATTACHED INVOICE <em>Affidavit</em> that Im the CREDITOR, and everything is PREPAID!"]},"sort":[7.0980024,"6352404"]},{"_index":"complaint-public-v1","_id":"5076577","_score":6.9799123,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX, Tx XXXX PROOF OF MAILING BILLING ERROR NOTICE CEASE AND DESIST Certified Mail # REGISTERED AGENT CORPORATION SERVICE COMPANY XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX, DE XXXX INDENTURE TRUSTEE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) PROOF OF MAILING 2 ) Affidavit - Billing Error Notice and Cease and Desist 3 ) CAPITAL ONE BILL DUE DATE XX/XX/XXXX {$3500.00} 4 ) CAPITAL ONE REMITTANCE COUPON/DIVIDEND WITH INSTRUMENT {$1100.00}. \n\n5 ) CAPITAL ONE PAYMENT HISTORY XX/XX/XXXX TO PRESENT ( As far as online will allow me to go ) 6 ) Print out of 15 U.S. Code 7006 Definitions 7 ) Print out of 16 C.F.R. 444.1 Definitions 8 ) Print out of 12 C.F.R. 1002.2 Definitions 9 ) Print out of 16 C.F. R 433.3- Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of XXXX ( a ) XXXX ) Print out of 16 U.S. Code 433.2- Preservation of consumers claims and defenses, unfair or deceptive acts or practices. \n\n11 ) Print out of 18 U.S. Code 1961- Definitions Racketeering activity 12 ) Print out of 18 U.S. Code 1341 Fraud and swindles 13 ) 12 C.F.R 1026.21 Treatment of credit balances 14 ) 15 U.S. Code 1666 - Correction of billing errors 15 ) 18 U.S. Code 8 Obligation or other security of the United States defined 16 ) 31 U.S. Code 3123 Payment of obligations and interest on the public debt 17 ) 15 U.S. Code 1692 e False or misleading representations 18 ) 12 C.F.R. 1026.13 Billing error resolution 19 ) 12 C.F.R. 1002.2 Definitions 20 ) U.C.C. 3-104 NEGOTIABLE INSTRUMENT 21 ) 15 U.S. Code 44 Definitions Commerce AFFIDAVIT BILLING ERROR NOTICE AND CEASE AND DESIST Notice to Agent is Notice to Principal and Notice to Principal is Notice to Agent Consumers Name : XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX XXXX # XXXX XXXX, Tx XXXX Account Ending : XXXX CAPITAL ONE QUICK SILVER Full Account : # XXXX XXXX XXXX XXXX Belief and Reasons : Billing Error Notice and adverse reaction ( closed my account ) CC : REGISTERED AGENT CC : INDENTURE TRUSTEE CC : CAPITAL ONE XXXX XXXX I am sending this billing error notice on account opened around XX/XX/XXXX. I have received billing statement from CAPITAL ONE including fees and monthly interest fees. Interest should not be billed monthly. The funding for my credit card comes from my agreement to open the credit card. My initial promise to pay is the payment for this bill. It is my promissory note. Since XXXX, we are unable to truly pay anything. We create legal tender with our signature, and you have been using my instrument outside of this agreement without my expressed written consent. I have received a bill from you monthly requesting I make a payment using my personal credit card or ACH. I have received several statements including the subject matter of an attempt to collect alleged debt for this account # XXXX XXXX XXXX XXXX. You send me a bill every month which is a dividend but made myself the consumer believe the dividend was an invoice. Please see the supporting codes and laws to support the billing errors on this account # XXXX XXXX XXXX XXXX You closed my account advising activity on this account is not consistent with the expectations for account usage and violates Capital One customer agreement. Then you advised I am STILL responsible for the balance which is incorrect as this was used for personal, family and household expenses. \nFEDERAL LAW OVERRIDES YOUR POLICY. \n\nBill payment due Balance {$3700.00} Notice it is a fact, that I am a federally protected consumer, pursuant to 15 U.S Code 7006 and 16 CFR 444.1 ( d ) holder in due course, attorney in fact for any and all derivatives thereof for the surname I have been appointed and accept being the executor for all matters proceeding, and I hereby claim that I will autograph for my given name ( XXXX XXXX ) and as the agent and administrator in fact. \n\nPursuant to 16 C.F.R. 433.1 ( b ) I am a consumer, natural person who seeks or acquires goods or services for personal, family or household purposes in accordance with. This account is used for personal, family and household purposes. \n\nNotice, it is a fact, affiant is aware, that CAPITAL ONE is a credit card issuer as defined in 16 C.F.R. 433.1 ( h ) A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services. \n\nNotice, it is a fact that affiant is aware that an account defined under 12 C.F.R. 1002.2 ( a ) means an extension of credit. When employed in relation to this account the word use refers to open end credit.\n\nNotice, it is a fact, affiant is aware in accordance with 16 C.F.R 433.3 CAPITAL ONE is not exempt from any claims as described in 16 C.F.R 433.2 as I, the affiant, may invoke her rights as the debtor in this consumer credit contract against XXXX for unfair and deceptive practices noted herein as no contract after the date of XX/XX/XXXX is exempt from 16 C.F.R. 433.3. \n\nNotice it is a fact, that affiant has reason to believe and do so believe, CAPITAL ONE has engaged in racketeering activity as defined in Title 18 U.S. Code 1961, by knowingly, intentionally, with malice sending dividends but in fact making the consumer believe that dividend was an invoice for services provided by the utilities companies which is embezzlement, theft by deception and extortion. \n\n\nI affiant, have reason to believe and do so believe CAPITAL ONE is in violation of 18 U.S. Code 1341 by knowingly sending me dividends through the mail leading me to believe it is a bill or debt committing fraud through the U.S. Mail. \n\n\nNotice it is a fact pursuant to 12 C.F.R 1026.21 When a credit balance in excess of {$1.00} is created in connection with a transaction ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of a consumer ), the creditor shall : ( a ) Credit the amount of the credit balance to the consumers account ; ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer; and ( c ) Make a good faith effort to refund to the consumer by cash, check or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than 6 months, except that no further action is required if the consumers current location is not known to the creditor and can not be traced through the consumers last known address or telephone number. \n\nNotice it is a fact, affiant is aware CAPITAL ONE may not collect any disputed amount, I the consumer and affiant do not need to pay the creditor, the creditor can not restrict, close account, accelerate payment or make or threaten any adverse reporting to any person about the consumers credit standing without resolving the billing error. Such actions by CAPITAL ONE will forfeit its rights to collect the disputed amount as described in 15 U.S. Code 1666 ( e ).\n\nNotice, it is a fact, affiant is aware that CAPITAL ONE must follow the procedures as defined in 15 U.S. Code 1666 ( d ) ( e ) : ( 1 ) Correct the billing error and credit the consumers account with any disputed amount and related finance or other charges, as applicable ( 2 ) Mail or deliver a correction notice to the consumer. I hereby demand that all future coupons be sent to the billing address as listed on the account in question in the form of a check for all past, current and future payments. I would like this account to remain open, open end account zeroed out every month. I, the affiant is aware that with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on all past, present and future amounts in dispute pursuant 15 U.S. Code 1666 ( e ) There is no obligation to the consumer because they have been paid by the United States. Notice it is a fact pursuant to 18 U.S. Code 8 Obligation or other security of the United States defined. The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress and canceled United States stamps. \n\nMy debt was already paid for when the United States Congress extinguished gold and silvers is the only tenders of payments. 31 U.S. Code 3123. Payment of obligations and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government. Furthermore, the symbol or character, \" $ '', is not defined anywhere in legislation and is therefore a violation of 15 U.S. Code 1692e ( 2 ) ( A ). This company has engaged in unfair, abusive or deceptive trade practices by using advertisement to induce the consumer to enter into an obligation, also known as debt by using oral/written words like invoice, bill, statement. \n\n\nPursuant to 12 C.F.R. 1026.13 ( e ) ( 1 ) Correct the billing error and credit the consumers account with any disputed amount and related finance or other charges, as applicable and ( 2 ) Mail or deliver a correction notice to the consumer. This refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done CAPITAL ONE can not report any late payments in accordance with regulations of the Bureau. This account should be changed to reflect an open end account. \n\nand do so believe that the credit agreement is a consumer contract as described in 16 C.F.R 433.1 ( i ). Under U.C.C 3-104 ( a ) an instrument is a negotiable and unconditional promise to pay. You have been using my instrument to profit without my written consent.\n\nTo clarify and address the subject matter contained in billing statements, I the affiant, am invoking my right to obtain the documentary evidence, in accordance with 15 U.S Code 44 for the books of account as described in IRS Publication 583. To verify such alleged amounts, I am requesting both journal and credits of account and ledger of debits of account to verify the current accounting and taxes associated with this account. This includes all documents, papers, correspondence, source of funding documents, books of account, financial and corporate records. \n\nPursuant to 12 C.F.R. 1002.9 ( b ) ( 2 ) and 15 U.S. Code 1681a ( k ) affiant is aware you are unable to deny credit due to credit score. This is adverse action and violates consumer rights as well as Equal Credit Opportunity.\n\nProhibited Practices 12 C.F.R. 1002.4 Regulation B contains 2 comprehensive prohibitions against discriminatory practices : 1 ) A creditor shall not discriminate against an applicant on a prohibited basis regarding aspect of a credit transaction.\n\n2 ) A creditor shall not make any oral or written statement, in advertising or otherwise applicants or prospective applicants that would discourage, on a prohibited basis, a reasonable person from making or pursuing an application.\n\nA creditor may not advertise its credit services and practices in ways that would tend to encourage some types of borrowers and discourage others on a prohibited basis. In additional a creditor may not use prescreening tactics likely to discourage potential applicants on a prohibited basis. Instructions to loan officers or brokers to use scripts, rate quotes, or other means to discourage applicants from applying for credit prohibited basis are also prohibited.\n\nI read all of your privacy policies and it says you gather information from third party sources to make determinations about me, my credit determination, and my account along sharing my information personally identifiable and anything else you deem fit to them. I found out not only is that illegal, but its violating my rights Pursuant to 18 U.S. Code 1028A - Aggravated identity theft. ( Exhibit J ) The use of consumer disclosures not direct to the person being considered is illegal. You did not ask someone who knew me personally about me spending habits and as a result you charged be higher interest rates and that is illegal. \nAll of the above are examples of fraud, false misrepresentation, conversion, XXXX, breach of contract, and collusion is pursuant to 18 U.S. Code 1341 - Frauds and swindles is the appropriate statute. You closed my account without my knowledge and without my permission and reported negative adverse action to the credit bureau. This account is used for personal and household expenses. Closing my account is adverse reaction and discrimination. I demand my account be opened and no negative reporting.\n\nYou have 15 days from the date of delivery to respond to this notice. Should there be dishonor in the aforementioned requested documentation by way of unrebutted affidavit, failure to disclose requested documents, or failure of response and the particular requests to rectify any fault by CAPITAL ONE herein, will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions and including stress caused to me in the attempt of exercising my rights in good faith. However, I do in good faith expect you to handle these matters with ordinary care to address all subject matter. Respectfully. \n\nThis was sent certified to all listed in this affidavit and notarized XXXX Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the XXXX and only most high of creation only, whoever that may be, and I depose the following facts, so be it nunc pro tunc. \nI swear that all information provided herein and do so under penalty of perjury that the information is true, correct and accurate to the best of my ability and knowledge, so be it. \n\n____________________________________________________ XXXX XXXX, consumer/natural person Sworn to or Affirmed by and subscribed before me on the _________day of_______ year XXXX _____________________________________ Notary Name _____________________________________ Notary Seal : Notary Signature :","date_sent_to_company":"2022-01-06T00:34:22.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"77449","tags":null,"has_narrative":true,"complaint_id":"5076577","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-01-05T23:47:12.000Z","state":"TX","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Code 8 Obligation or other <em>security</em> of the United States defined."]},"sort":[6.9799123,"5076577"]},{"_index":"complaint-public-v1","_id":"5393769","_score":5.6419325,"_source":{"product":"Mortgage","complaint_what_happened":"After multiple years participating into our allegedmortgage, we noticed some unknown concerns regarding its origination. While researching an unknown increase in the allegedmortgage payment, we found issues regarding Mortgage XXXX XXXX XXXX XXXX XXXX, as Nominee for HSBC Mortgage XXXX ( XXXX ) /HSBC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, proving a fraud on an Assignment of Mortgage from a property participating with Housing for Urban Development ( HUD ). The fraudulent Assignment of Mortgage was recorded in the XXXX, Ohio XXXX XXXX XXXX 's office Instrument Number : XXXX, volume number : XXXX, page number : XXXX. XXXX XXXX ( Notary ) out of the state of New York XXXX XXXX XXXX XXXX gave his official seal and stated he witnessed XXXX XXXX personally appear and sign this Assignment of Mortgage regarding Loan number : XXXX and MERS ID number : XXXX. We raised multiple concerns disputing the debt, issues about the origination of the mortgage and presented evidence about the fraudulent transferred mortgage to the alleged current XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) not in its individual capacity but solely as Owner Trustee of XXXX XXXX [ XXXX ] XXXX c/o Servicer XXXX XXXX XXXX, XXXX ( XXXX ). The alleged Current Holder XXXX stated \" We are not involved in the decision-making process of what properties are held in the various trust In our capacity as Trustee, we do not have an economic or beneficial interest in the loans and have no authority with the respect to the management of the real estate held in the XXXX, including the above referenced property referring to XXXX XXXX XXXX XXXX XXXX XXXX Ohio and stated, \" All questions should be directed to the servicer ( \" XXXX '' ). '' \" XXXX has a responsibility under the trust agreement to address the issues you have described in your complaint. '' We also raised these concerns to XXXX who stated, \" although we service the original Mortgage and Note we did not take part in its origination, and we are unable to respond to the issues relating to the origination of the loan '' and told us to direct our concerns to the alleged current note XXXX XXXX who already claimed no beneficial or economic interest in the matter. As we seen our concerns were not being properly investigated and seen that we were being spined in circles, we elected alleviate our concerns regarding the origination and disputed, with first investigating the suspected Fraudulent Assignment of Mortgage. We retained a Forensic Document XXXX XXXX XXXX XXXX in Ohio who is Board Certified through testing by the XXXX XXXX XXXX XXXX XXXX. Her Assignment was to compare the two signatures shown as XXXX XXXX on the Assignment of Mortgage to determine if they were identical of very similar. She conducted her examination and rendered her professional opinion in a report dated XX/XX/XXXX. Her report concluded that \" No one writes his or her name or signature exactly the same way twice. '' \" Human beings are not capable of machine-like precision and repetition. '' \" ... the two signatures shown as XXXX XXXX on the Assignment of Mortgage are Identical. '' \" ... as an individual can not write two identical signatures on a document, it raises a question as to the method used to place these signatures on this document. '' She provided her examination in affidavit form with her Handwriting Examination Report recorded with the XXXX, Ohio XXXX XXXX XXXX 's office on XX/XX/XXXX instrument number : XXXX which is linked to the fraudulent Assignment of Mortgage dated XX/XX/XXXX. There are also two Certificates of Satisfaction for the Mortgage in the Name of and for the Benefit of XXXX XXXX XXXX and XXXX XXXX XXXX for the property commonly known as XXXX XXXX XXXX XXXX XXXX Ohio recorded with the XXXX, Ohio XXXX XXXX XXXX XXXX XXXX. The first satisfaction was recorded on XX/XX/XXXX, with the date of Satisfaction of XX/XX/XXXX in the amount of {$41000.00} by XXXX XXXX XXXX XXXX  instrument number : XXXX volume number : XXXX, page number : XXXX. In this first release in XXXX by XXXX XXXX XXXX Bank, they stated, \" WHEREAS the indebtedness secured by the mortgage described below has been fully paid and satisfied, XXXX XXXX XXXX XXXX as Trustee ..., owner and holder of the debt, hereby declares that the lien of said mortgage is forever discharged and satisfied. '' The second release by XXXX XXXX XXXX XXXX XXXX XXXX recorded XX/XX/XXXX, date of Satisfaction signed XX/XX/XXXX in the amount of {$51000.00} Instrument Number : XXXX, volume number : XXXX, page number : XXXX stated, \" KNOWN ALL MEN BY THESE PRESENTS : that XXXX XXXX XXXX XXXX XXXX XXXX, ATTORNEY IN FACT FOR XXXX XXXX XXXX, NA, AS TRUSTEE, holder of a certain mortgage to secure the amount of {$51000.00}, whose parties, date, and recording information are below, does hereby acknowledge that it has received full payment and satisfaction of the same, and in consideration thereof, does hereby cancel and discharge said mortgage. '' XXXX XXXX XXXX and XXXX XXXX XXXX never received these releases. On XX/XX/XXXX, ( three months and half BEFORE the latest recorded release of satisfaction of mortgage from XXXX XXXX XXXX XXXX XXXX XXXX, ATTORNEY IN FACT FOR XXXX XXXX XXXX, NA, AS TRUSTEE ) HSBC Mortgage Corportation ( USA ) claimed XXXX XXXX XXXX and XXXX XXXX XXXX borrowed {$56000.00} from them and signed a note in which they agreed to repay the loan. The fraud perpetrated here is the question about the Borrowed {$56000.00} because XXXX XXXX XXXX and XXXX XXXX XXXX never received any credits in any of their accounts for the alleged borrowed {$56000.00}. XXXX XXXX XXXX and XXXX XXXX XXXX had no means to retrieve those credits and HSBC claimed the repayment Obligation was secured by a Mortgage executed by the XXXX 's on XX/XX/XXXX. So, as it would stand, from the looks of the recorded documents, HSBC would have entered XXXX XXXX XXXX and XXXX XXXX XXXX into an alleged Mortgage contract on XX/XX/XXXX, while they were engaged in a Mortgage with XXXX XXXX XXXX XXXX XXXX XXXX, ATTORNEY IN FACT FOR XXXX XXXX XXXX, NA, AS TRUSTEE, Mortgagee : XXXX XXXX XXXX XXXX. The release of our Mortgage was not signed until XX/XX/XXXX, and recorded XX/XX/XXXX, from XXXX XXXX XXXX XXXX. Noticing there has been two recorded releases on this Mortgage in full, it seems HSBC should have offered an XXXX line of Credit, or some form of credits that would have been ascertainable because our asset/property has been deposited as collateral with a lien attached. Two different companies/lenders, from our understanding, can not have two separate mortgages on a home at the same time, as the first mortgage is secured on the house, so as far as any additional lending with a different company the second lender ( HSBC ) would only be a secured loan, not a mortgage. These are some of the issues we found prior to the XX/XX/XXXX, fraudulent Assignment of Mortgage. We also received evidence that the XX/XX/XXXX, Mortgage and note has been securitized. The first piece of evidence we gathered to prove this Mortgage has been securitized is a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. This evidence/letter made statements about a \" XXXX XXXX [ XXXX ] Trust '' XXXX \" XXXX  acts as Trustee XXXX many trusts that holds various real estate properties '' \" We have no authority with respect to the management of the real estate in the portfolio '' and \" XXXX has a responsibility under the Trust Agreement ''. The second piece of evidence we have to prove this loan has been securitized is a Limited Power of Attorney sent to us from XXXX XXXX XXXX signed by XXXX XXXX, witnessed by XXXX XXXX and XXXX. XXXX and notarized by XXXX XXXX XXXX giving themselves authority to serve as attorney-in-fact for XXXX. The Power of Attorney stated : \" KNOW ALL MEN BY THESE PRESENTS, that XXXX XXXX XXXX XXXX XXXX XXXX solely as owner Trustee, pursuant to the Securitization Servicing Agreement, dated as of XX/XX/XXXX. '' This Limited power of attorney was filed at at the XXXX XXXX, Utah XXXX XXXX XXXX by XXXX XXXX XXXX on XX/XX/XXXX Instrument number : XXXX, Book : XXXX, Page : XXXX. This alleged lender seems to have taken our \" note '' and put us into some sort of investment contract without our knowledge under the Statues of Fraud. Our \" note '' is now a \" registered security '' and we have a possible claim of recoupment on the proceeds which is spelled out in the various laws that we have not received. This loan was initiated through HUD with XXXX XXXX XXXX as the Borrower and HSBC Mortgage Corporation USA as the Lender, with the date of settlement of XX/XX/XXXX and date of distribution of credits on XX/XX/XXXX, but XXXX XXXX XXXX never received these credits in the amount of {$56000.00} in any ascertainable account for himself. He was coerced without any full disclosure into paying HSBC Mortgage Corporation USA and servicers thereafter payments on the loan for credits he did not receive. All these companies have been Unjustly Enriched. HUD Identifiers for the participation in the HUD program For XXXX XXXX XXXX and HSBC Mortgage Corporation USA for the Conventional Uninsured Loan ; XXXX Number : XXXX, Loan Number : XXXX, File Number : XXXX. As of today, XXXX and XXXX attorney have Withdrawn their Order of sale for a judgment pending on a foreclosure action. We Believe XXXX and XXXX are making a good faith effort in recognizing the fraud in the Origination by them refraining from being active participants to the fraud by withdrawing the foreclosure sale. We believe they recognize that they and other prior Holders and Servicers did not have any authority to collect payments from XXXX XXXX XXXX and may be liable for payments received due to the fraud by Mortgage XXXX XXXX XXXX XXXX XXXX, as Nominee for HSBC Mortgage Corporation ( USA ) /HSBC Bank ( USA ) N.A .","date_sent_to_company":"2022-04-01T03:28:29.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"45805","tags":"Older American","has_narrative":true,"complaint_id":"5393769","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HSBC NORTH AMERICA HOLDINGS INC.","date_received":"2022-04-01T02:56:05.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Our \" note '' is now a \" registered <em>security</em> '' and we have a possible claim of recoupment on the proceeds <em>which</em> is spelled out in the various laws that we have not received."]},"sort":[5.6419325,"5393769"]},{"_index":"complaint-public-v1","_id":"16298361","_score":5.587945,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Enforcement Officials, Please accept this formal escalation and enforcement referral regarding Exeter Finance LLC and its affiliates, who have engaged in : Retaliatory adverse action ( Adverse Action Ref. XXXX, XX/XX/XXXX ) following multiple federal complaints, in direct violation of ECOA, 15 U.S.C. 1691 ( a ) ( 3 ).\n\nFiduciary obstruction, ignoring IRS-recognized Forms 2848, 56, and 56-F, which removed unauthorized fiduciaries and confirmed fiduciary standing under 26 U.S.C. 6036, 6903.\n\nConversion and estate credit theft, using the Estates denied applications in securitization and collateral pools without consent, constituting mail, wire, bank, and securities fraud under 18 U.S.C. 1341, 1343, 1344, 1348, 1519.\n\nCivil rights violations, denying credit, and seizing ADA-critical property to the detriment of a federally protected XXXX minor heir ( XXXX ), in violation of Section 504 of the Rehabilitation Act ( 29 U.S.C. 794 ), ADA Title II ( 42 U.S.C. 12132 ), and 42 U.S.C. 1983.\n\nCase References & Complaint Numbers : Federal Civil Case : 1:25-CV-5318 ( N.D. Ga. ), XXXX XXXX Exeter Finance LLC, et al . \n\nXXXX XXXX XXXX, XXXX. \nIndividually and as Private Fiduciary, and as natural mother, Guardian, and next friend of minor XXXX. ( a minor with federally protected XXXX under Section 504 of the Rehabilitation Act ( 29 U.S.C. 794 ) and the Americans with Disabilities Act ( Title III, 42 U.S.C. 12182 ; and, to the extent applicable through federal funding, Title II, 42 U.S.C. 12132 ) ) Attorney-in-Fact / Executor / Private Fiduciary / Ecclesiastical Trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : IMMEDIATE CREDIT DENIAL RECONSIDERATION RETALIATORY ESTATE CREDIT THEFT & FIDUCIARY REMOVAL Federal Civil Case No. : XXXX ( XXXX XXXX ), XXXX XXXX Exeter Finance LLC, XXXX al XXXX \nCFPB Complaint Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC Report Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FMCSA XXXX XXXX XXXX XXXX DOJ XXXX XXXX XXXX XXXX XXXX XXXX Adverse Action Ref. : XXXX ( XX/XX/XXXX XXXX XXXX XXXX # XXXX ) Exeter Account : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) IRS Forms Filed : XXXX, XXXX, XXXX removing unauthorized fiduciaries and confirming fiduciary authority with the IRS CAF Unit FIDUCIARY & GUARDIANSHIP AUTHORITY IRS has formallXXXX recognized my fiduciary capacity through Form 2848, Form 56, and Form 56-F filings under 26 U.S.C. 6036, 6903 and 26 C.F.R. 301.6903-1. \n\nExeters adverse action and repossession are unauthorized fiduciary acts in direct violation of federal trust law. \n\nAs natural mother and guardian of XXXX, a federally XXXX minor, I also assert protections under Section 504 of the Rehabilitation Act and ADA Title II/III. \nAttached is the full reconsideration demand served on Exeter Finance LLC on XX/XX/XXXX, along with exhibits. The denial was not only unlawful but also retaliatory, issued within XXXX hours of CFPB escalation and while Exeter is an active defendant in federal court. \n\nRETALIATORY & INTENTIONAL MISCONDUCT Exeter issued the XX/XX/XXXX denial one day after CFPB escalation clear retaliation in violation of ECOA, 15 U.S.C. 1691 ( a ) ( 3 ). \nExeter and agents filed or relied on forged XXXX abandoned vehicle affidavits to divest estate rights a False Claims Act violation ( 31 U.S.C. 3729 ).\n\nADA-critical transportation and ecclesiastical property were seized, directly harming a XXXX minor heir. \n\nRequested Agency Action 1. Open Coordinated Enforcement We request immediate, joint enforcement and oversight under the following authorities, with cross-reference to active federal and state matters already on file : ECOA ( 15 U.S.C. 1691 ) retaliatory adverse action following CFPB Complaints XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nFCRA ( 15 U.S.C. 1681m, 1681n ) defective adverse action notice dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), concealment of CRA scoring inputs, and derogatory tradelines reported after the fiduciary disputes. \n\nTILA ( 15 U.S.C. 1611 ) false and misleading denial of credit, concealing material loan terms. \n\nGLBA ( 15 U.S.C. 68016809 ) unauthorized use and disclosure of fiduciary/estate credit data, evidenced by misdirected and misnamed correspondence.\n\nADA Title II ( 42 U.S.C. 12132 ) & Section 504 of the Rehabilitation Act ( 29 U.S.C. 794 ) retaliation and denial of access to XXXX, a XXXX minor heir with federally protected rights, who relies on ADA-critical transportation and accommodations.\n\nFederal fraud statutes ( 18 U.S.C. 1341, 1343, 1344, 1348, 1519 ) mail fraud, wire fraud, bank fraud, securities fraud, and falsification of records connected to repossession and concealment of estate res.\n\nFalse Claims Act ( 31 U.S.C. 3729 ) forged XXXX abandoned vehicle affidavit filed with the Georgia Department XXXX Revenue to unlawfully divest estate rights. \n\n2. Compel Immediate Corrective Action by Exeter Finance LLC Reverse and void the retaliatory denial dated XX/XX/XXXX ( Adverse Action Ref. XXXX ) in full. \n\nApprove the estates application nunc pro tunc, recognizing that the denial was procured through fraud, concealment, and retaliation while XXXX XXXX XXXX. XXXX ( XXXX XXXX, XXXX XXXX Exeter Finance LLC, XXXX al XXXX ) remains pending. \n\nProduce the complete underwriting file, including all CRA data inputs, and deliver the deficiency letter and surplus/deficiency accounting required under UCC 9-616 .\n\nProvide certified auction chain-of-custody documents, including notices of sale, auction receipts, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nHalt and cure all collections, adverse reporting, and retaliatory measures pending federal and state review. \n\n3. Trust/Estate Fiduciary Authority & ADA Property Preservation Recognize that the IRS CAF Unit has recorded my fiduciary authority via Forms 2848, 56, and 56-F, filed under 26 U.S.C. 6036, 6903 ; 26 C.F.R. 301.6903-1, removing all unauthorized fiduciaries. Exeters continued actions constitute unauthorized administration of estate property and fiduciary obstruction. \n\nDirect Exeter and its agents, including Action Towing / Certified Asset Recovery Solutions , Inc. ( XXXX XXXXXXXX ) and XXXX XXXX, XXXX ( XXXX XXXX ), to release all seized trust/estate res immediately. \n\nCompel the return of ADA-essential equipment and ecclesiastical property unlawfully withheld from the fiduciary, in violation of federal XXXX and religious protections. \n\nInvestigate and enjoin illegal repossession operations in Georgia, where XXXX XXXX and XXXX XXXX attempted to auction the XXXX XXXX XXXX ( XXXX XXXX ) without lawful title transfer or deficiency accounting. \n\nOrder immediate return of vehicle title and correction of records at the Georgia Department of Revenue, lienholder registries, and NADA databases. \n\n4. Civil & Criminal Prosecution Seek criminal indictments against Exeter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX identified individuals under : XXXX ( 18 U.S.C. 1962 ) for enterprise-level fraud and retaliation ; Civil rights conspiracy statutes ( 18 U.S.C. 241, 242 ) for deprivation of fiduciary and disability rights ; Desecration of religious property ( 18 U.S.C. 247 ) ; Hate Crimes Prevention Act ( 18 U.S.C. 249 ) for targeting a XXXX minor heir and ecclesiastical trust property. \n\nRefer to IRS-CI / TIGTA to enforce fiduciary filings and prosecute Exeter and affiliates for fiduciary obstruction.\n\nRefer to Federal Reserve OIG and OCC for misuse of securitizations and discount window facilities pledged against estate-backed applications. \n\nRecommend disqualification of Exeter Finance LLC and affiliates from federally regulated lending and credit markets until corrective actions and restitution are complete.\n\n5. Interim Injunctive Relief Pending final adjudication, we further demand : Freeze of all collections and credit bureau reporting tied to Exeter Account No. XXXX and all associated tradelines. \n\nXXXX injunction against auction, resale, or transfer of the XXXX XXXX XXXX ( VIN ending XXXX ) and any other seized estate property. \n\nRestoration of the estates credit profile, including deletion of derogatory tradelines added after XX/XX/XXXX. \n\nTolling of all deficiency claims until adjudication in Civil Action No. 1:25-CV-5318. \n\nPreservation orders compelling Exeter, XXXX, XXXX XXXX, and XXXX XXXX to retain and produce all XXXX, auction, XXXX filings, and internal communications. \n\n6. Defamation & Retaliatory Character Assassination Exeters written responses to CFPB Complaints XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) accuse XXXX XXXX XXXX of sending fraudulent documents and falsely alleging the account is paid in full. \n\nThese statements are : Defamatory per XXXX : They impugn my integrity and professional standing as fiduciary and executor of the Estate. \n\nRetaliatory under ECOA ( 15 U.S.C. 1691 ( a ) ( 3 ) ) : Made immediately after protected filings with CFPB, FTC, DOJ, and IRS. \n\nFalse & Misleading under FDCPA ( 15 U.S.C. 1692e ( 10 ) ) : Exeter provides no evidence, while my fiduciary filings ( IRS Forms XXXX, XXXX, XXXX ) are federally recognized. \n\nCivil Rights Violations ( 42 U.S.C. 1983 ) : Mischaracterizing fiduciary filings as fraudulent obstructs federal rights and chills protected participation. \n\nThese defamatory responses compound Exeters misconduct by attempting to shift fraud liability onto the fiduciary, when in fact Exeter and affiliates : Filed a forged XXXX abandoned vehicle affidavit with XXXX XXXX XXXX \nRepossessed the XXXX XXXX XXXX without lawful lienholder/title transfer. \nConcealed securitization and Discount Window pledges tied to the Estates application. \nRetaliated by issuing an adverse action notice ( Ref. XXXX ) the day after CFPB escalation. \nRequested Remedy for Defamation Immediate public retraction of false CFPB responses. \nCorrection letter to CFPB, FTC, DOJ, and IRS acknowledging Exeters error. \n\nDamages enhancement : add {$500000.00} in reputational damages to compensatory demand, plus treble punitive exposure under RICO. \n\n\nDAMAGES DEMAND ( Reasonable ) Direct Compensatory Losses : {$250000.00} {$350000.00} Reputational / Defamation Losses : {$500000.00} Statutory Damages : {$900000.00} $ XXXX ( ECOA, FCRA , TILA, ADA , GLBA ) Punitive Damages : $ XXXX $ XXXX ( fraud, retaliation, XXXX discrimination XXXX RICO XXXX Damages : $ XXXX $ XXXX total exposure CLOSING Exeters denial, repossession, and concealment are not administrative mistakes they are deliberate retaliation, fiduciary obstruction, and federal fraud. Immediate federal enforcement is warranted. \n\nDenial of Access to Account Documentation ( XX/XX/XXXX ) Complainant : XXXX XXXX XXXX XXXX \nIndividually and as Private Fiduciary, and as natural mother, Guardian, and next friend of minor XXXX. \nAttorney-in-Fact / Executor / Private Fiduciary / Ecclesiastical Trustee CAF Nos. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Entity : Exeter Finance LLC ( Account No. XXXX ; XXXX : XXXX ) Civil Case Reference : XXXX ( XXXX XXXX ) I XXXX XXXX XXXX On XX/XX/XXXX, while attempting to obtain account documentation, I was expressly denied access by Exeter Finances representative, who stated that the account was \" under review with higher ups '' and could not be released. \n\nThis denial : Prevented lawful fiduciary access to financial records. \nObstructed statutory rights to account disclosures under FCRA ( 15 U.S.C. 1681g ) and UCC 9-616.\n\nConstitutes retaliation for ongoing CFPB, FTC, DOJ, and IRS complaints. \n\nDirectly discriminates against me as fiduciary and against XXXX, a minor with federally protected ADA/Section 504 rights, by withholding essential financial and vehicle documentation.\n\nII. Legal Violations ECOA ( 15 U.S.C. 1691 ( a ) ( 3 ) ) retaliation via denial of account services after federal complaint filings.\n\nFCRA ( 15 U.S.C. 1681g, 1681n ) refusal to provide account documentation and adverse file disclosure.\n\nTILA ( 15 U.S.C. 1639, 1611 ) concealment of loan disclosures and account terms.\n\nADA Title II ( 42 U.S.C. 12132 ) & Section 504 ( 29 U.S.C. 794 ) discriminatory denial of access impacting a XXXX minor heirs transportation rights. \n\n42 U.S.C. 1983 deprivation of fiduciary and civil rights under color of law.\n\n18 U.S.C. 1341, 1343, 1519 mail/wire fraud and falsification by concealing records to cover unlawful repossession and retaliatory denial. \n\nIII. Pattern of Retaliation This incident fits a continuing pattern : XX/XX/XXXX XX/XX/XXXX : XXXXour CFPB complaints filed and closed with Exeter responses falsely accusing me of submitting fraudulent documents. \n\nXX/XX/XXXX : Retaliatory adverse action denial issued ( Adverse Action Ref. XXXX ). \n\nXX/XX/XXXX : Refusal to provide documentation, citing review by higher ups, a deliberate tactic to obstruct fiduciary access.\n\nIV. Requested Relief Immediate production of all account documentation ( including contract history, notices, deficiency/surplus accounting, and CRA inputs ).\n\nInvestigation into discriminatory denial of access, with enforcement under ECOA, ADA, FCRA, and federal fraud statutes.\n\nCorrective measures and sanctions against Exeter Finance LLC, including injunctive relief prohibiting further retaliation.\n\nDamages for continuing discrimination and obstruction to be added to restitution demands already pending under Civil Action XXXX. XXXX. \n\nV. Closing This XX/XX/XXXX incident constitutes an independent act of discrimination and retaliation, compounding existing federal claims. Agencies are requested to docket this as a supplemental discrimination complaint, cross-referenced to all existing CFPB, FTC, DOJ, and IRS case numbers. \n\n\nRespectfully submitted, XXXX XXXX XXXX XXXX Individually and as Private Fiduciary, and as natural mother, Guardian, and next friend of XXXX. \nAttorney-in-Fact / Executor / Private Fiduciary / Ecclesiastical Trustee XXXX XXXX XXXX TRUST AND ESTATE All Rights Reserved. Without Prejudice. UCC 1-308","date_sent_to_company":"2025-10-01T15:03:23.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"16298361","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2025-10-01T13:43:18.000Z","state":"GA","company_public_response":null,"sub_issue":"Credit denial"},"highlight":{"complaint_what_happened":["Fiduciary obstruction, ignoring IRS-recognized Forms 2848, 56, and 56-F, <em>which</em> removed unauthorized fiduciaries and confirmed fiduciary standing under 26 U.S.C. 6036, 6903.\n\nConversion and estate credit theft, using the Estates denied applications in securitization and collateral pools without consent, constituting mail, wire, bank, and <em>securities</em> fraud under 18 U.S.C. 1341, 1343, 1344, 1348, 1519."]},"sort":[5.587945,"16298361"]},{"_index":"complaint-public-v1","_id":"7598442","_score":4.3666215,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX\n\nReference # XXXXXXXX XXXX XXXX XXXX undated notice/letter\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX and the clocks were striking thirteen, XXXX XXXX XXXX XXXX XXXX XXXX In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX dystopian novel XXXX the book that introduced the world to the concept of XXXX XXXX XXXX XXXX  OPENING LINE sets the stage of exactly what to expect in his XXXX  page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX.  The XXXX  thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX world of XXXX XXXX the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX  writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX XXXX quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score was impossibly reduced on my XXXX credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof XXXX dying XXXX  year old XXXX XXXX on Social Security whose bills were required to be paid by my Medicare and other insurance???  Since it is alleged you received $XXXX obviously that is enough and you must cease and desist communication and rebill insurance if your non-profit client is so desperate that it gives illegal aliens a free ride yet over bills US citizen XXXX  with insurance required to pay 100%. Why would I or anyone ever go back to Orlando Health???  Are they insane???  Is a fee of maybe $XXXX worth your time when you cannot report any nonpayment under $600 on my credit report? Do you plan to willfully violate the FCRA and FDCPA so I can obtain statutory damages of $XXXX per violation plus XXXX fold punitive damages per XXXX XXXX XXXX XXXX Do you want the CFPB and other regulators to come after you and your clients for fraudulent and deceptive practices? At a minimum, I demand every detailed document that exists including videos, regarding the alleged procedure including agreements, charges and notes by service providers.  Everything.  In XXXX XXXX Congress passed the NO SURPRISES ACT (NSA) which you and your client have willfully violated.  The NSA established rules outlining the need for providers to establish an independent dispute resolution process which prohibits your attempt to coerce me into paying bills that are more than what is actually owed. Obviously, you and your client have violated the obligations  imposed by the FDCPA with regard to interactions with health laws and regulations.  The CFPB issued a XXXX bulletin reminding debt collectors that attempting to collect a debt from a charge that exceeds the amount permitted by the NSA would violate the FDCPA.  Health care providers that generate an invoice that violated the NSA would also be held liable for the actions of debt collectors acting on other behalf.  Debt collectors and their clients would also willfully violate the FCRA if they report that a consumer must pay a debt from a charge that exceeds the amount permitted by the NSA.  Judge Walker needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, which I demand a copy of any agreement, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I will make as many CFPB complaints regarding FCRA and other violations needed to stop you and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX  Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX  dated XXXX XXXX XXXX  and XXXX August 12, 2023 and  the account number referenced in your letter is not included in my credit reports, so be warned about your obligations under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced due to XXXX, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score for a sinister purpose. XXXX XXXX  IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe any account with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXX XXXX, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX XXXX citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX  years old XXXX  female and American with XXXX  in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, XXXX a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by 200 points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX  code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX XXXX  bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $XXXX  to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX  Why is data reported on XXXX XXXX  but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX  system.  Again, I need every document, including every XXXX XXXX  submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX  protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX  protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of F","date_sent_to_company":"2023-09-24T15:03:41.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"32836","tags":null,"has_narrative":true,"complaint_id":"7598442","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Receivables Management Partners, LLC","date_received":"2023-09-24T14:48:15.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I also advise you that I am a XXXX  years old XXXX  female and American with XXXX  in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social <em>Security</em> benefits with my average balance in my social <em>security</em> account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income <em>which</em> anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me."]},"sort":[4.3666215,"7598442"]},{"_index":"complaint-public-v1","_id":"8189166","_score":4.2477574,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  \nXXXX XXXX XXXX XXXX XXXX  (ref XXXX)\nXXXX XXXX XXXX XXXX, SC XXXX  \nCrown Asset Management,LLC\n\nXXXXXXXX XXXX XXXX (Acct # XXXX XXXX)\n\nProposed 3 Arbitration cases with XXXX  and/or XXXX  \n(Case 1) XXXX XXXX XXXX XXXX XXXX\n\n(Case 2) XXXX XXXX XXXX Crown Asset Management, LLC \n(Case 3) XXXX XXXX XXXX Crown Asset Management, LLC Claimants unilateral right and election for a separate THREE-ARBITRATOR panel and tribunal  for every XXXX  case due to the normal mandatory default for complex claims exceeding $XXXX with the 3 Arbitrator panel selected exclusively by Claimant\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX, and the clocks were striking XXXX, XXXX XXXX XXXX XXXX XXXX (XXXX). In this case, Defendants argument is like the XXXX  chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX XXXX XXXX XXXX  Florida, in case # XXXX, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXXXXXX XXXX XXXX XXXX XXXX, the book that introduced the world to the concept of XXXX XXXX. XXXX XXXX OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX.  The XXXX XXXX strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the XXXX  world of XXXX XXXX, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX  writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant XXXX XXXX  quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to XXXX  on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof XXXX  XXXX XXXX  Citizen on Social Security with a XXXX  (XXXX) credit score???  XXXX XXXX needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX  Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of XXXX XXXX dated XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX  compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX  to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX  and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to XXXX  on XXXX based on my XXXX XXXX credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to XXXX for a sinister purpose. XXXX XXXX  IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In XXXXXXXX XXXXXXXX I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an XXXX XXXX XXXX? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, XXXX XXXX, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX years XXXXXXXX XXXX XXXX and XXXX XXXX XXXX  in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX  points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX code XXXX  into every account?  Do you even know what XXXX  means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXXXXXX XXXX bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my XXXX XXXX requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  XXXX XXXX  is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXXXXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $XXXX+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $XXXX+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreem","date_sent_to_company":"2024-01-19T16:35:42.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"8189166","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Crown Asset Management, LLC, Duluth, GA Branch","date_received":"2024-01-19T16:35:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I also advise you that I am a XXXX years XXXXXXXX XXXX XXXX and XXXX XXXX XXXX  in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social <em>Security</em> benefits with my average balance in my social <em>security</em> account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income <em>which</em> anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me."]},"sort":[4.2477574,"8189166"]},{"_index":"complaint-public-v1","_id":"7476099","_score":4.2477574,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hayt, Hayt XXXX Landau, P.LXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX\n\nReference HHL File # XXXX (6 files)\nReceived on XXXX XXXX, XXXX\n\nDear Debt Collector:\n\nIt was a bright cold day in XXXX and the clocks were striking thirteen, XXXX XXXX, XXXX  at 1 (XXXX). In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge XXXX XXXX XXXX XXXX District of Florida, in case # XXXXXXXX wrote the above OPENING LINE at Page 1 by quoting the famous opening line of XXXX XXXX  dystopian novel XXXX, the book that introduced the world to the concept of XXXX XXXX.  Judge XXXX  OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed XXXX  The 1XXXX thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the 1XXXX  world of XXXX XXXX, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel XXXX writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant Orwellian XXXX  quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian XXXX  Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to 0 on XXXX XXXX XXXX based on my XXXX  credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying Senior Citizen on Social Security with a ZERO (0) credit score???  Judge Walker needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be XXXX!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent XXXX XXXX CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page XXXX XXXX Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of Trans Union dateXXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the XXXX XXXX compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under XXXX XXXX to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my XXXX and XXXX credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to ZERO on XXXXXXXX based on my XXXX/XXXX XXXXXXXX credit report due to XXXX, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via XXXX XXXX and other data submissions to purposely damage my credit score to ZERO for a sinister purpose. XXXX XXXX IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In September 2022, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an elderly senior citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a XXXX  years old elder male and XXXX with XXXX in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and XXXX XXXX Moreover, last year I have been affected by XXXX XXXX XXXX a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by XXXX points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the XXXX XXXX  code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal XXXX XXXX bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of XXXX shall be sought against every violator, plus punitive damages.  XXXX XXXX is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes XXXX  any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including XXXX XXXX, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by XXXX and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code XXXX XXXX except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under XXXX XXXX.  Why is data reported on XXXX XXXX but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by XXXX XXXX and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the XXXX XXXX system.  Again, I need every document, including every XXXX XXXX submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via XXXX XXXX. Moreover, many of the XXXX XXXX data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or XXXX XXXX  protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under XXXX XXXX.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  XXXX XXXX protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.\n\n Tell me when the creditor claims this debt became due and when it became delinquent.\n\n Identify the date of the last payment and amount made on this account.\n\n Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.\n\nDetails about your authority to collect this debt.","date_sent_to_company":"2023-08-31T08:52:05.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7476099","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Hayt Hayt & Landau, P.L. (FL)","date_received":"2023-08-31T08:42:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["I also advise you that I am a XXXX  years old elder male and XXXX with XXXX in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social <em>Security</em> benefits with my average balance in my social <em>security</em> account is below my monthly SS deposit and never more than 2 times my monthly deposit."]},"sort":[4.2477574,"7476099"]},{"_index":"complaint-public-v1","_id":"7625065","_score":4.238336,"_source":{"product":"Debt collection","complaint_what_happened":"Debt collector obligations\n 809. Validation of debts\n(Part 1 of a 2 Part CFPB Complaint)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nReference: XXXX  Synchrony Bank XXXX  Reference: XXXX  Synchrony Bank XXXX  Reference: XXXX  Synchrony Bank XXXX  \nSynchrony Bank, Legal Operations\nAttention: Arbitration Demand XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nRe: American Arbitration Association consumer demands for arbitration case filings filed 9/17/2023 styled: Thomas Schultz versus Synchrony Bank awaiting filing fee payments billed for $600 for each case from Synchrony Bank as consumer AAA filing fees satisfied/paid \n\nDear Debt Collector:\n\nIt was a bright cold day in April, and the clocks were striking thirteen, XXXX XXXX XXXX at 1 (1961). In this case, Defendants argument is like the thirteenth chime of a clock: you not only know its wrong, but it causes you to wonder about everything you heard before. Chief United States District Court Judge Mark E. Walker, Northern District of Florida, in case # 4:22-cv-00324-MW-MAF, wrote the above OPENING LINE at Page 1 by quoting the famous opening line of George Orwells dystopian novel 1984, the book that introduced the world to the concept of BIG BROTHER.  Judge Walkers OPENING LINE sets the stage of exactly what to expect in his 139 page scathing decision in his Order on Motions for Preliminary Injunctions filed 11/17/2022.  The 1984 thirteenth strike of all of the clocks at the same time calls into question not only the credibility of itself but of the previous twelve. In the 1984 world of BIG BROTHER, the clocks striking thirteen is not an aberration, but a normal way of life where Every record has been destroyed or falsifiedevery date has been altered.  Was the Novel 1984 writing about and predicting the out of control and never ending Credit Reporting and Debt Collector fiasco ???  Another relevant Orwellian 1984 quote stated:  In the end the Party would announce that two and two made five, and you would have to believe it.  Well Debt Collectors and Creditors, like the totalitarian 1984 Party, can make outrageous false claims, such as [2 + 2 = 5], but Im not buying it, Im not getting tricked and Im not getting abused as I have the freedom, power, law and common sense to reject them.  Just keep continually revisiting the OPENING LINE many times as you read, take notes, reread, investigate, research, talk to experts, talk to clients, reinvestigate and get to know and understand the following facts and argument!!  Start by first trying to figure out and explain how my credit score, per the attached exhibit, was impossibly reduced to 0 on May 14, 2023 based on my Equifax credit report. Did you cause it???  Are you responsible???  But first, should your limited resources be wasted on pursuing an insolvent judgment proof handicapped dying Senior Citizen on Social Security with a ZERO (0) credit score???  Judge Walker needed 139 pages to address the obvious.  Your appropriate response requires many many many more than 139 pages to address my following issues.  It should be a NO-BRAINER that you and your predecessors and successors in interest MUST UNCONDITIONALLY and PERMANENTLY STOP, CEASE AND DESIST ALL COLLECTION EFFORTS on the disputed purported debt to mitigate damages.  Its not rocket science, Its not brain surgery, Its a piece of cake and Its a walk in the park are common phrases that describe concepts or tasks that are easily understood or performed that are certainly applicable here. Dont be STUPID!!  You have no viable ALTERNATIVE! Tell the CFPB in your required response that you permanently cease all collection efforts with a notation that an ARBITRATION filing, if one exists and is applicable, is the only permissible future communication!!!  If an ARBITRATION agreement exists, please be absolutely clear and dont directly or indirectly wrongly threaten or imply filing a prohibited court action or lawsuit as it would be considered a FDCPA violation intended to harass, threaten and abuse!!!\n\nHere's the relevant section of the FDCPA, 15 U.S.C. 1692g, on debt validation, for your response, prohibitions and obligations:\n 809. Validation of debts\n(a) Notice of debt; contents\nWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --\n(1) the amount of the debt;\n(2) the name of the creditor to whom the debt is owed;\n(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;\n(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and\n(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n(b) Disputed debts\nIf the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer's right to dispute the debt or request the name and address of the original creditor.\n(c) Admission of liability\nThe failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.\n\n\nI am responding to your attached letter(s) about a purported debt as set forth in your attached letter(s).  I request that you mail me a written Validation of Debt which must include all of the proof and documents described at length below. I vigorously DISPUTE the purported debt in its entirety.  This is NOT my Debt and I DISPUTE it. I want you to send me by USPS mail the name and address of the original creditor and any successors in interest or transferees, if any.  I do not have any responsibility for the purported debt youre referencing and trying to collect. So I DISPUTE it.  This is not my purported collectible debt. Again, I want to make it absolutely clear by repetition that I DISPUTE it in its entirety so that you can clearly red flag and mark your files as DISPUTED to avoid Willful FDCPA violations.  If you have good reason to believe that I am responsible for this DISPUTED purported debt, mail me by USPS every document in your and your clients entire file, including but not limited to every direct and indirect written dispute with the CFPB, CRAs  or otherwise including those documents that make you believe that the purported debt is valid, enforceable and collectible.  Immediately STOP, DESIST and CEASE all other and further communication with me and with this address, (except to respond one time in writing by USPS mail to my request for every piece of proof of the purported debt that would be presented to an ARBITRATOR or in a federal motion for summary judgment with incorporated memorandum of law) and record that I vigorously DISPUTE having any obligation for this purported debt. The USPS, email, text messaging, social media or other unsecured communication means cannot be trusted to safely and securely deliver mail and communications or to prevent receipt by unauthorized individuals, at other addresses, by accident, scammers, fraudsters or negligence.  To wit, much of my USPS mail is delivered opened and tampered with and read by others many times as, for example, the name and address window is not visible due to mailing incompetence. Similarly, the USPS tracking service for certified mail is unreliable and cannot be trusted.  I am requesting no further communication of any kind whatsoever to therefore prevent mail or communications to be received at other addresses due to sender issues, hackers, scammers, and USPS errors and negligence.  Likewise, kindly immediately STOP all further unwanted direct and indirect text messages, emails, phone calls, voice messages, or any other social media or other communication with me regarding your attempts to collect the purported DISPUTED debt.  I have made about 100 CFPB complaints regarding FCRA and other violations and I suspect that the recent March 2023 CFPB DATA BREACH affecting at least 256,000 consumers has almost certainly affected me so I must be overly careful to guard against scammers to limit erroneous release of my private data and communications. For this and other obvious reasons, I need you to STOP further communications and I obviously need the requested documentation proof regarding any claims as any claims are suspect absent complete documentation. Notice is Given that I forever object to the voice recordings of any kind and I therefore do not consent for anyone to record calls with me without my prior written consent which I will never authorize. Once a debt collector receives this letter requesting that they immediately STOP contacting me in any way, theyre not allowed to communicate with me again except to tell me there will be no further contact, provide me with documents requested, or advise me of specific planned legal actions within 20 days that may legally be allowed, such as filing an Arbitration action against me as a lawsuit is not permissible and cannot be threatened under the FDCPA if an Arbitration Agreement exists. So please dont threaten me with any barred court litigation which would violate any Arbitration Agreement as I will consider it a violation of state and federal statutes. If you stop your collection of this purported debt, and forward or return it to another company, please indicate to them that it is DISPUTED in its entirety by forwarding all past documents in the file and communications including this letter. If you report it to a credit bureau (or have already done so), also report that the debt is DISPUTED as required by FCRA, FDCPA and the 350+ page Metro 2 Compliance protocols. I insist on compliance with every applicable state and federal statutes, including but not limited to the FCRA and FDCPA.  Any willful past, current or future violations of credit reporting and collection procedures shall incur maximum statutory and punitive damages plus attorneys fees and costs against violators, personally or otherwise.  I have reviewed my entire paper credit reports of Trans Union dated August 3, 2023 and Experian August 12, 2023 and  the account number referenced in your letter is not included in my credit reports, possibly due to reckless negligence in data reporting under the Metro 2 compliance protocols contained in its 355+ page manual.  Accurate account number reporting of accounts is required under Metro 2 to prevent purported accounts from being inaccurately reported twice (or more) instead of once otherwise additional willful FCRA violations and statutory damages shall accrue.  Since my TransUnion and Experian credit reports do not contain your referenced account number, I must consider that it involves identity theft for which your obligations must be followed exactly as required.  I have never received any Notice from anyone  stating that you are a bona fide authorized agent for Debt collection purposes. So consider this letter a formal Notice that I DISPUTE the purported debt due to IDENTITY THEFT.  The most troubling, malicious and intolerable willful FCRA violations possible occurred when my credit score was impossibly reduced to ZERO on 5/14/2023 based on my 5/14/2023 Equifax credit report due to IDIOTS, BOTS, SCAMMERS, debt/bill collectors and/or FRAUDSTERS illegally tampering with my credit files via Metro 2 and other data submissions to purposely damage my credit score to ZERO for a sinister purpose. BIG BROTHER IS WATCHING YOU!!  That includes the CFPB, the FED, the OCC, the FDIC, the DOJ, the FTC and other regulators who are ALL watching every move you make and ready to put you out of business. Moreover, I need to know your opinion and representation as to whether the documents which I need and request will include an ARBITRATION clause which would require disputes to be resolved through ARBITRATION rather than a United States District Court individual or class action lawsuit.  While I believe credit card accounts with your purported client may contain MANDATORY ARBITRATION clauses, I cannot be sure without all the purported agreement documents and a binding representation. The CFPB has warned consumers to be on the lookout for Identity Theft and bill/debt collector SCAMMERS falsely claiming entitlement to amounts not owed.  I obviously need the documents requested and I will continue to consider this a matter of IDENTITY THEFT unless and until I receive an AFFIDAVIT from the purported original creditor providing me all the requested documents.  In September 2022, I was a victim of Identity Theft when scammers wiped out my checking account funds due to my bank breach and bank error when multiple debit card numbers were submitted and approved by possible random guessing without my card expiration date, 3 digit security code, Name, address, or other required data to process a transaction.  I never used the debit card and my debit card was safely locked away and under my exclusive control at all times.  After multiple calls and secure messages to my bank, I filed a complaint with the CFPB and the bank still has not discovered how the breach and fraud happened.  If a random guess at a debit card can wipe out my checking account, it would be easier to guess at bank credit card numbers in a debt collector scam warned by the CFPB.  Are you a SCAMMER victimizing me with IDENTITY THEFT?  Are you trying to SCAM an elderly senior citizen? I need AFFIDAVITS with the requested proof.  I need the requested proof! I will not get scammed again.  I trust NOONE, even ROBO attorneys.  Get your ducks in a row!!!  I would not be happy if I am forced to file a U.S. District Court action only to be faced with a Motion To Compel Arbitration due to concealment of agreement documents.  Any such frivolous conduct would be rightfully countered with my Motion for Summary Judgment and a temporary restraining order request to punish violators for willful FCRA violations and other statutes, further claiming a WAIVER was created by concealment.  If warranted, I will have no problem also naming the CFPB and its Director, Rohit Chopra, in any federal court action to the extent necessary to obtain 100% compliance with the FCRA, FDCPA and related statutes. I also advise you that I am a 74 years old elder male and American with Disabilities in poor health and judgment proof and all my income is from EXEMPT sources such as federal Social Security benefits with my average balance in my social security account is below my monthly SS deposit and never more than 2 times my monthly deposit.  I simply have no assets or income which anyone can attach from pointless, abusive or frivolous litigation intended merely to harass and abuse me. Moreover, last year I have been affected by medical malpractice, COVID-19, a declared natural disaster by a direct hit by Hurricane Ian, illnesses and other medical matters all at the same time.  Plus, as stated ago, my checking account was wiped out by fraudsters.  Moreover, I discovered that my credit file reported false delinquencies even though I actually had a perfect credit payment record and such concealments reduced my credit score by 200 points totally destroying my credit. Everything bad happened to me all at once starting with medical malpractice, health issues and SCAMMERS and then by Hurricane IAN and then by creditors promising publicized payment deferrals yet then falsely reporting delinquencies.  My credit reports are inaccurate and incomplete as the required coding for my situation is not on my credit report for any listed account. How hard is it to insert the Metro 2 code AW into every account?  Do you even know what AW means?  However, I am ready, willing and able to litigate and defend any frivolous litigation or arbitration including seeking relief from the U.S. Court of Appeals for any appealable order including the delay or denial of injunctive relief requests.  I shall also insist on compliance with federal Rule 11 and motions for Rule 11 violations shall be filed promptly after the expiration of applicable safe harbor periods for incurred violations.  Moreover, if I live long enough, I am prepared to seek personal Chapter 7 bankruptcy relief if and when necessary, filing objections to all claims and submitting my claims for damages through bankruptcy adversary proceedings. Do you want to pay an Arbitrator $50,000 to gain nothing?  Do you think you can avoid my USDC DISCOVERY requests and information subpoenas?  Do you want the CFPB to come after you when you violate your obligations? \n\nAgain, I am responding to your contact about a purported debt you are attempting to collect which, as stated multiple times, I DISPUTE in its entirety.\n\nAgain, please STOP all direct and indirect communication of any kind with me and with this address about this purported debt except to respond to me in writing regarding my requested documents by delivering me requested documents.  Furthermore, due to hearing problems and issues, I am unable to receive phone calls so I am unable to discuss any matter over the phone or otherwise under any scenario.  Just STOP all communications!  The Telephone Consumer Protection Act (TCPA) restricts calls to residential and wireless telephone numbers absent the prior express consent of the called party.   I do not want any calls or direct or indirect communications of any kind whatsoever to be made to me in the future. I do not consent to receiving any calls made to me in the future and any calls received by me after you receive this letter shall be considered willful violations of the TCPA for which maximum possible penalties shall become automatically and immediately due and owing to me by violators without notice.\n\nAgain, record and prominently FLAG in your records that I forever DISPUTE having any obligation for this purported debt.  Again, if you forward or return this purported debt to another company, please indicate to them that it is DISPUTED. If you report it to a credit bureau (or have already done so), also immediately report that the purported debt is DISPUTED.  Once I notify a CRA and/or Furnisher and/or Debt Collector that I DISPUTE data (such as this dispute) my credit report MUST INDEFINITELY include the required PERMANENT Notice that the account is DISPUTED BY CONSUMER even if the CRA/Furnisher/Debt Collector disagrees.  If my credit report from any CRA has at any time in the past (or in the future) included an account related to your purported disputed debt without the required DISPUTED status, then such FCRA violation shall be considered a Willful, wanton, malicious, deliberate, abusive and intentional violation for which the maximum statutory damages of $1,000 shall be sought against every violator, plus punitive damages.  Metro 2 is quite complex and impossible to comply with so the best procedure of reporting is to never report at all and to never change, delete, update or alter dispute status as such will almost certainly result in manual negligent incompetent user errors for which damages will accumulate quickly to entirely offset purported debts.  While some untrained incompetent employees may willfully violate the FCRA to purposely destroy a consumers credit score in hope to collect purported disputed debts under duress, I demand compliance with the FCRA, FDCPA and every other statute.  In my opinion, Furnishers/Debt Collectors are best served by permanently DELETING from credit files Disputed/Uncollectible accounts to mitigate damages from Furnisher/user errors and willful unlawful conduct.  Every interaction with a creditor, a CRA and/or debt collector constitutes an opportunity for me to obtain statutory, punitive and other damages, including attorney fees, when laws are broken for willful and negligent non-compliance with known statutory requirements and protocols.  The best possible settlement obtainable would be to walk away and abandon any and all disputed purported uncollectible claims otherwise I will be one your creditors with exponentially increasing claims after you continue to violate my rights.  I never agreed to permit anyone to report inaccurate or incomplete information of any kind on my credit report.  I have never been offered my statutory right to OPT-IN or OPT-OUT of credit reporting to protect my right to privacy to prevent FCRA violations.  I hereby unconditionally and unilaterally REVOKE and terminate for CAUSE any imaginable right to report data of any kind on any of my credit files with any CRA.  Obligations under the FCRA, FDCPA and other debt collection and reporting statutes TRUMP any purported creditor claims so compliance of every statutes is a precondition to collect and report any purported claims.  If you want to do business with consumers, you must first learn how to comply with extensive ever changing obligations, including Metro 2, which is impossible to accurately report even by a specialist due to arbitrary and confusing possibilities. Stated another way, an original credit card purported creditor is not entitled to collect claims unless and until all its obligations have been satisfactorily completed without violations of any law.  You should be careful to comply with mandatory statutory imposed record retention requirements to enable the CFPB to administer and carry out the purposes of the FCRA, FDCPA, the Dodd-Frank Act, as well as to prevent evasions thereof. The record retention requirements also will facilitate supervision of debt collectors and the assessment and detection of risks to consumers.  The CFPB has published a comprehensive checklist to audit and insure compliance with regulatory obligations.  I suggest you review the checklist to insure compliance before responding to me.  You should know that as soon as Hurricane IAN hit me directly and my health was affected by COVID-19 and other health issues with other issues plus a wipe out of my checking account, I diligently contacted every creditor seeking publicized payment deferrals and other relief only to be effectively denied relief by incompetence.  The general creditor response was to retaliate against me for merely asking for relief by inaccurately reporting every account inaccurately.  No one knows how to code Metro 2 except for simple payment reporting but when things get changed errors are everywhere, either negligently or willfully.  If I made 100% of my payments and if I was never late how could credit reporting agencies say I was 60 days delinquent?   More importantly, I discovered that each CRA provided me with conflicting data on my paper reports and my paper reports did not contain all the data reported to CRAs under Metro 2.  Why is data reported on Metro 2 but concealed from my paper credit reports?  Why do my paper credit reports only contain a small portion of data reported by Metro 2 and contained in my credit file?  How can I properly dispute my credit file if 50% of the data in my CRA file is concealed from consumers?  How can I discover inaccurate data on my credit file if 50% of data is concealed from me and excluded from my paper credit reports?  The entire credit reporting system is a disgrace in complete disregard for consumers rights and rights to privacy.  Every communication with a creditor seemed to result in negligent data entry errors by users.  Furnishers are incapable of complying with statutory obligations and the Metro 2 system.  Again, I need every document, including every Metro 2 submission, submitted to every CRA to compare my numerous paper reports with data in my credit files reported via Metro 2. Moreover, many of the Metro 2 data fields are reported blank forcing fraudulent submission overrides rather than blocking incomplete or conflicting data.  Even when errors are discovered and acknowledge by top senior bank officials in charge of USA credit cards, nobody knows how to correct inaccurate reporting even after reporting ETHICAL misconduct to the bank Chairman of the Board.  One bank even hires incompetent High School Graduates to handle CFPB disputes without any knowledge of the FCRA or Metro 2 protocols and obligations.  I subscribe to a variety of services so I see daily changes to my credit files so I see the daily mistakes of credit reporting by erroneous coding under Metro 2.  Many Many Many times I see a DISPUTE ADDED one day and then fraudulently and inaccurately REMOVED the next day.  Everyone knows that Debt Collectors try not to report Disputes, even though required, as a dispute may not negatively affect a credit score which may hinder chances to force consumers to pay even fraudulent disputed claims as consumers generally want good scores.  Well, the system tanked my scores needlessly!   Is your Debt Collector commission of peanuts worth $100,000+ in attorney fees and punitive damages?  Do you want to risk the CFPB coming after you demanding $10,000,000+?  Do you want to lose clients and be put out of business by the CFPB?  I object to having accounts reported on my credit reports as reporting is unconscionable!\n\nWhile your letter fails to disclose what I consider a complete mandatory inclusion of the statutes set forth at the beginning for consumers rights regarding Debt Validation, I am responding even though the failure to respond would not have consequences in litigation.  The CFPB and others suggest some of below type of questions for Debt collectors to respond to.  I like to purposely repeat points so that there can be no misunderstanding about what I am writing about and requesting. \n\nPlease supply the information below so that I can be fully informed:\nWhy you think I owe the purported debt and to whom I owe it, including:\n\n The name and address of the creditor to whom the purported debt is currently allegedly owed, the complete account number used by that creditor and the previously issued account numbers, if any, the complete account number reported to every CRA for current and past account numbers and the detailed amount allegedly owed since inception including amounts and all data reported to every CRA.  Please note that there is no reason to NOT report a complete account number in letters and credit files especially when an account has been closed to future transactions especially if consumers have ZERO liability for unauthorized activity, especially after closure.  If an account has been closed or an account number has changed in the last 7 years, please send documentary proof of the dates of closure and/or account number change and the dates reported of the mandatory mid-cycle update to every CRA to ascertain whether the mandatory  Metro 2 protocols have been compliant or violated.  \n\n If this purported debt started with a different creditor, provide the name and address of the original creditor, the entire account number used by that creditor, and the detailed amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me the exact date and complete terms of the relationship when the current creditor and/or debt collector obtained the purported debt and who the current creditor obtained it from.\n\n Provide verification and documentation that there is a valid basis for claiming that I am required to pay the purported debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?  Again, I need to know about any ARBITRATION provision buried into any original or amended agreements as I cannot rely on the search results of the CFPB or other websites. I also need any purported contract provision that authorized the reporting to a CRA (if it exists) which I hereby revoke as invalid ab initio if any data was inaccurately reported to any CRA, either willfully or otherwise.  Reporting to a CRA must be 100% accurate otherwise DELETION is mandatory. Inaccurate credit reporting, standing alone, is unconditional grounds to bar future credit reporting at the request of a consumer to guarantee the consumers right to privacy.  I object to credit reporting of all my closed and disputed accounts due to willful violations of the FCRA and other statutes.  \n\n If you are asking that I pay a purported debt that somebody else is or was required to pay, (such as an insurance company through a credit card benefit) identify that person or entity. Provide verification and documentation about why this is a purported debt that I am required to pay.\n\nThe amount and age of the purported debt, including:\n A copy of the every billing statement sent to me by the purported original creditor since inception.\n\n State the required Date of First Delinquency (month/day/year) with the detailed amount of the purported debt when you obtained it, and when that was.  \n\n If there have been any additional interest, fees or charges added since the last billing statement from the purported original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.  If my purported account has been closed, state the date closed, and every change of interest rate thereafter including rate justification after closing.  If my purported account involves any CFPB claims and disputes for statutory or other damages for willful FCRA or other disputes, please identify precisely offsets of claims in statements and balances reported to every CRA.  \n\n If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.\n\n If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. 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