{"took":561,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":42,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2584080","_score":12.840236,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"The year XXXX I met with several brokers and banking personnel in regards, to supporting funding and investing in my textile and clothing company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The deal was based upon a {>= $1,000,000} XXXX dollar bond USDA GOVT BOND CUSP # XXXX. The bank XXXX XXXX XXXX XXXX XXXX stated my company would have to wait till the maturity date before receiving the BOND. Thereafter the housing market crashed and the funds disappeared XXXX XXXX was acquired by JPMorgan Chase Bank and we filed a claim against the CEO of the bank therein he defaulted and 35 or so days later had the case removed from XXXX XXXX County Court to Federal Court based upon fraudulent claims that we did not know the defendant personally and that he stated to the court without record that he had nothing to do with any illegal dealings pointing to the JPMorgan Chase of XXXX CA. The case was ailegedly dismissed illegally by a Deputy Clerk XXXX. while Deputy clerk XXXX XXXX was not at work or at the courts as he stated to me over the phone on XX/XX/XXXX XXXX. When in fact he was present according to the case load court schedule for XX/XX/XXXX. The Judges signature was a rubber stamped at best, whom also ironically retired approximately 45 days thereafter. According to the law they did not follow the rules or the law in dismissing the claim therefore we are filing a appeal and another claim. We need information on whom had access to the USDA Funds and whom had the authority to take hide or misappropriate the funds. I believe and can prove that my identity was taken and used to gain access to the funds and that we have been harassed by JPMorgan Chase whom claims that we signed a mortgage with a company they somehow acquired whom never had a license to sell buy or service mortgages in the State Of California XXXX County. I have received multiple letters claiming that my company did not file taxes since fighting the theft fraud and identity theft. I have received several checks from investment firms which turned out to be fraud checks. I have been warned by an attorney that once i began to file complaints and claims against the bank that I would have issues with the IRS, and so far he was correct. I have received multiple letters regarding my businesses EIN numbers and or filings. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Corporate Status - EIN XXXX Copyright XXXX US Copyright Office Library of Congress # XXXX XXXX It is factual and true of all the events taken place and can be proven in a court of law or in a negation discovery setting. That on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was aw'arded via USDA GOVT BOI { XXXX XXXX # XXXX in the amount of {>= $1,000,000} that matured in two years dated XX/XX/XXXX to the amount of {>= $1,000,000} that was stolen taken and have been caused to disappear within XXXX XXXX XXXX XXXX within the XXXX XXXX County area State Of California. This fraud was caused by said bank and its National and or local employees. XXXX XXXX XXXX in the year of our Lord - Monday, XX/XX/XXXXXXXX with XXXX XXXX whereas I was approached by XXXX XXXX , & XXXX XXXX and XXXX XXXX whom later introduced me to XXXX XXXX via conference of XXXX XXXX XXXX and XXXX XXXX via conference that of employed by the subsidiary bank XXXX XXXX XXXX XXXX XXXX that of XXXX XXXX . Included within the contract and verbal agreement for the {>= $1,000,000} BOND was XXXX XXXX XXXX ( a local XXXX fashion designer ) & XXXX XXXXXXXX XXXX company XXXX XXXX and copy written. Our first meeting took place in XXXX Michigan with XXXX XXXX XXXX XXXX and XXXX XXXX as well XXXX XXXX XXXX. The meeting included a transfer of information such as EIN for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the amount of the BOND acquired to produce both a textile manufacturing company and a clothing line brand therein. XXXX XXXX banking account management expert her involvement was to introduce us to the big dollars as she stated. She introduced me to XXXX XXXX employed with XXXX XXXX XXXX. Whom was to appropriate and allocate the BOND, as well she educated me on how to deal with my debts and credit ( business ) to be qualified for the {>= $1,000,000} that matured to {>= $1,000,000}. XXXX XXXX and XXXX XXXX educated me on what to do concerning my home and how to acquire payment in the year XXXX. Stated by XXXX XXXX I needed to contact the US Government agencies concerning my home and file the proper paper work, this would assure my debt to income ratio would be very low and my credit score would rise high. So I went online to the USDA government site and filled out the form XXXX XXXX ( Rev. XXXX ) The property servicing rights was sold in2 } XXXX and again in XXXX from XXXX, to XXXX XXXX XXXX to XXXX XXXX XXXX She stated that the Chain of title have been broken and that i would need to look into that. So I began contacting the SEC, Office of Controller of Currenc5 Department Of Justice, United States Department of Agriculture. I filed the proper documentation with those agencies. Thereafter the property was paid in fullas ofXX/XX/XXXX, as stated by XXXX XXXX documents and letter ( s ). Both companies or banks XXXX XXXX XXXX and XXXX XXXX XXXX have been acquired by XXXX XXXX XXXX XXXX. See form FORM XXXX XXXX ( XXXX ). Please be advised we where instructed on how to filI out the form by bankers and government agents or employees and therefore this document is very legitimate and legal. Yet JPMorgan Chase whom acquired XXXX XXXX XXXX and XXXX XXXX XXXX at the same time the USDA GOVT BOND funds disappeared. This information was reported to the state of California. 18 U.S. Code $ i961 Section 1028 ( relating to fraud and related activity in connection with identification documents ), section 1029 ( relating to fraud and related activity in connection with access devices ). XXXX XXXX at the time was located in XXXX MI, and XXXX XXXX located in XXXX XXXX XXXXXXXX, whom are the experts in manufacfuring, lean manufacturing and infrastructure. XXXX XXXX was the banking expert in appropriating funds for the funding investment, and XXXX XXXX worked along side XXXX XXXX andXXXX XXXX to secure the investment funds. XXXX XXXX and her assistant met us a XXXX XXXX located at ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX ... .with myself XXXX XXXX XXXX the creator and CEO Chairman of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my assistant XXXX XXXX XXXX . She XXXX XXXX took a flight from the XXXX XXXX to XXXX XXXX California the summer of XX/XX/XXXX XXXX XXXX XXXX attended the meeting and took notes for both myself ( XXXX XXXX XXXX ) and XXXX XXXX. The notes where later emailed to everyone involved as listed within this document. A conversation came up about the legitimacy of their bank dealings with XXXX XXXX XXXX and how would the funds be released if they exist? XXXX XXXX via XXXX XXXX emailed me the BOND CUSIP numbers and other information via email on multiple occasions. ( see email attachment ). Thereafter receiving the BOND and CUSP information we investigated and asked a friend of XXXX XXXX XXXX ( XXXX XXXX ) whom was a broker look into it, and she was astonished and very surprised that we had access to this direct information. She stated that if it was n't real there would not be a CUSP number attached for this is how they track and keep account of all BONDS or investments notes. So we where convinced of the legitimacy and began documenting the contract. I have received multiple emaiis and phone calls from XXXX XXXX and XXXX XXXX assuring me that the USDA BOND was secured and in my companies name but a working came through and she continued for a second and third time sending me emails about the BOND giving lessons about the finance history and the XXXX XXXX debacle. I had contacted everyone to schedule a meeting in XXXX so we could figure out what happened with the USDA BOND secured note instrument and who was involved and how we could gain the funds back from whom ever taken it. Only XXXX myself and XXXX XXXX attended the meeting. Everyone else would not answer their phones. At this point XXXX began calling claiming to hold the investment instrument on the mortgage that was recently paid off. They used such tactics like calling XXXX in the morning and well after XXXX at night. They also contacted family and friends in other states claiming we do n't like to pay our bills. Yet someone inside of the bank had taken the USDA GOVT BOND and somehow convinced others that the USDA documents that stated \" pay to the order of the United States without recourse '' was not real. After being embarrassed by such illegal tactics and the disappearance of the USDA GOVT BOND, we began doing research and investigating the issues that seemed to be tied together that being the payoffof the mortgage and the disappearance of the USDA BOND. We had expressed on multiple occasions that the USDA GOVT BOND was real when the bank JPMorgan said it was n't before being educated with the first claim filed on XX/XX/XXXX. We also stated on multiple occasions in affrdavit and in letters that we did not sign or re-sign any documents with XXXX XXXX XXXX d.b.a XXXX XXXX XXXX aka XXXX XXXX XXXX. Since XXXX XXXX the CUISP # USDA FUNDS disappeared as well all of the XXXX XXXX XXXX XXXX XXXX XXXX employees along with it. XXXX XXXX made an attempt to warn me by sending the emails concerning the BOND itself. She simply stated \" I am trying to help you '' without exposing whom took the funds. She then tried to distract me with statements concerning the XXXX XXXX Debacle and offers of a new investor. Home land mortgage broke into our home the year XXXX while we where visiting and looking to relocate to XXXX GA. The alarm system records state that someone had entered the house via a upstairs window. Later we would received multiple photos take by XXXX XXXX around the same time. We have tried multiple attempts to do a loan modification with NACA and other outside agencies rathe XXXX XXXX would not work with us or they stated that the investor ( XXXX ) did not want to do a loan modification because our household made too much money and we could affiord the payments they had set up even though we had proven that we had no contract with them through XXXX XXXX XXXX d.b.a XXXX XXXX XXXX aka XXXX XXXX XXXX. The statute of limitations on \" Theft, forgery, arson, securities act violation, business fraud or deceit : is 4 years, the securities act violation theft and fraud was discovered XX/XX/XXXX, business fraud discovered XX/XX/XXXXXXXX59 is felonious, section 664 ( relating to embezzlement from pension and welfare funds ), sections 891-894 ( relating to extortionate credit transactions ), section 1028 ( relating to fraud and related activity in connection with identification documents ), section fi29 ( relating to fraud and related activity in connection with access devices ) section 1343 ( relating to wire fraud ), section 1344 ( relating to financial institution fraud ). The mere fact that the BOND and TRUST is located within the same state as your company XXXXXXXX XXXX XXXX XXXX XXXX. The deal with XXXX XXXX XXXX originated with employee XXXX XXXX offrce located in XXXX XXXX XXXX, also with XXXX XXXX employee XXXX XXXX inXX/XX/XXXX. Thereafter before the BOND disappeared XXXX XXXX began emailing the actual BOND to myself and other business associates via internet and communicated via cell phone and land line this makes your companies both XXXX and XXXX XXXX the culprits and assessors to this theft and fraud crimes committed across state lines. The idea of \" no jurisdiction '' is highly irrelevant and provides proper jurisdiction by way of the R.I.C.O ACT as explained within this Affidavit document. The point that a crime was committed via across state lines using telecommunications emails cell phones and meetings in person within several states. Employees from several of your companies conspired against my person and company to fraud theft the $ XXXX which I was told that the funds would not be available until after the maturity date, which was XX/XX/XXXX by this time all contacts had been cut offby XXXX and XXXX XXXX. This is simply a conspiracy to fraud theft the funds used my company 's legitimacy to gain access to the {>= $1,000,000} ( XXXX XXXX ) dollar bond and destroy my name company 's reputation with the communities involved and to destroy and injure me with the Mortgage fraud. The idea to injure me beyond capacity and repair by committing theft on the BOND ( $ XXXX ) via XXXX XXXX XXXX, create a mortgage by way of acquired mortgage company XXXX during the crash of the market would allow an illusion of a crash ( housing market ) hiding the other facts of the contract deal between XXXX XXXX XXXX and my company XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This idea of waiting to release funds thereafter the maturity date after XX/XX/XXXX would allow this to go unnoticed to many but we kept our eyes on this entire move. I. The fact that XXXX XXXX became the investor of an alleged mortgage alleging that both XXXX XXXX XXXX and I XXXX XXXX XXXX signed with a company that never possessed a license to be involved with servicing and mortgages monetarily is fraud and a conspiracy. il. When XXXX XXXX XXXX XXXX Manager at XXXX XXXX XXXX XXXX located in XXXX XXXX , and XXXX XXXX of XXXX XXXX XXXX located in XXXX XXXX XXXXXXXX , began ignoring my calls after thereafter XX/XX/XXXX as they told me to be patient as we where approaching the maturity date, simply justify conspiracy without explanation of what had taken place, remember XXXX XXXX warned me via email approximately XX/XX/XXXX by sending the actual copy of the BOND TRUST NOTE. The fact that my business associate XXXX XXXX, XXXX XXXX, explained to me that all communications where suggested to be cut offfrom everyone frorn New York with myself and my company as of XX/XX/XXXX. \" Both XXXX XXXX and XXXX XXXX changed their information on XXXX whereas we have communicated in the past. XXXX XXXX has no acknowledgment of being employed with XXXX XXXX whereas years before she boasted on her website of being highly ranked and employed by XXXX XXXX XXXX. Her new status is As a well recognized expert in strategic global marketing communications and investor relations, I have developed branding and marketing strategies for insurance/reinsurance, investment banking and other professional and financial services companies that enhanced these organization 's ability to achieve their strategic objectives. I 've also lead global communications functions including traditional media, social media and internal comms for brands such as the XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. Whereas before this year XX/XX/XXXXshe was an investment banker \" XXXX Managing Director at XXXX XXXX XXXX XXXX. Headed Investor and public relations for a multibillion dollar global investment bank ''. m. All of the former persons involved from the east coast has deleted me as a friend on social media as well XXXX ry. XXXX XXXX formerly of XXXX XXXX XXXX CA, as well formally of XXXX XXXX XXXX d.b.a XXXX XXXX Funding whom had no license personally contacted us on several occasions concern the fraud and alleged mortgage as of XX/XX/XXXX where she threatened to cali police if i appeared at their office location in XXXX XXXX CAto deliver the Right To Cancel Documents on XX/XX/XXXX thereafter calling XXXX XXXX XXXX at her job in XXXX CA trying to convince her to keep the refinance agreement and do n't cancel it. Now employed with XXXX XXXX XXXX  XXXX XXXX since Site Training Manager XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( 2 years ) | XXXX XXXX AZXXXX  Manager promoted from J.P. Morgan XX/XX/XXXX XXXXXX/XX/XXXX ( 9 years 9 months ) whom worked for XXXX XXXX d.b.a XXXX XXXX XXXX  approximately XX/XX/XXXX- XXXX before the California Corporations Commissioner forced them to stop doing business in the State Of California. This is no coincidence at all. XXXX XXXX obtained our information from XXXX XXXX and we met her face to face XXXX XXXX to go over upgrades for our new home. She also changed her linkedin.com account page from being employed with XXXX XXXX and XXXX. Site Training Manager JPMorgan Chase XX/XX/XXXX - XX/XX/XXXX ( 2 years ) I XXXX, AZ Training Manager J.P. Morgan XX/XX/XXXX - XX/XX/XXXX ( 9 years 9 months ) no mention of XXXX XXXX XXXX nor XXXX as of XXXX. Funding. XXXX XXXX XXXX formerly of XXXX XXXX XXXX d.b-a XXXX XXXX XXXX and presently with JPMorgan Chase Bank as XXXX XXXX Operations Senior Specialist at  JPMorgan Chase currently employed. XXXX, Louisiana Banking. When we asked if the loan was legitimate via proof of verification your company employees stated that we should do a loan modification rather when we applied they refused stating that the investor was not interested in us saving our home nor interested in doing a true and real modification because we requested verification of a alleged loan. Attempting to force us out of the home knowing we and or I would lose everything with no were to go and nothing to build upon. VI. Caused XXXX VII. Caused distraught relationships between myself my mate friends in laws and family members. VIII. Caused riffs in business relationships with others in XXXX, XXXX and other countries. IX. Forced us into a whole of debt unforeseen X. Caused more pain and suffering than you could imagine XI. Deskoyed my quality of life XlI. Destroyed the opportunities for job creation within the United States OfAmerica. XIII. XXXX XXXX once a friend on XXXX rather she changed her XXXX page information and friendship as well blocked me from friendship on XXXX account for we were once friends. XIV. XXXX XXXX was once my friend on linkedin.com rather she changed her information and blocked me from friendship. XV. Prevented my clothing line opportunities with manufacturers in XXXX and other countries. XVI. Prevented me from becoming a Billionaire through my business negotiation models designs creations music and inventions. XVII. This injuries caused others to take form my ideas in fashion designs lean manufacturing theory ( s ) with multiple designers and manufacturing companies repeating my company model. INJURIES CAUSED ' Theft of CUSP BOND US GOVT $ XXXX ' Copyright Theft TXU 881-f09 ' Theft of DTINS number XXXX Destroyed my company, name reputation within various communities and countries. o ldentify theft of XXXX XXXX XXXX.. . ... . Hindered business opportunities world wide and locally nationally. Destroyed my household, neither of us could obtain gainf, rl employment thereafter the damages the false reporting to our neighbors and family close friends. Sabotaged a faise mortgage destroying our credit with no history of XXXX XXXX ever being reported on either of our credit records as of XXXX to current. Stressed XXXX XXXX  XXXX to the point she had XXXX XXXX Destroyed our relationship and trust Destroyed opportunities of ever obtaining further deals to recover from the XXXX XXXX Debacle. Created a Mortgage of insult ignoring all the evidence presented to your employees whom had to check with higher authority to clear or except the evidence as fact. Never producing an original document or promissory note. Your own employees contradicted this alleged mortgage stating there where no records of this loan mortgage etc, .. via promissory note, microfiche or any other format. XXXX I 've never herd of microfiche until XXXX via XXXX XXXX XXXX XXXX.","date_sent_to_company":"2017-07-26T13:33:41.000Z","issue":"Money was not available when promised","sub_product":"Domestic (US) money transfer","zip_code":"93536","tags":null,"has_narrative":true,"complaint_id":"2584080","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-07-24T23:11:53.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The mere fact that the <em>BOND</em> and TRUST is located within the same state as your company XXXXXXXX XXXX XXXX XXXX XXXX. The deal with XXXX XXXX XXXX <em>originated</em> with employee XXXX XXXX offrce located in XXXX XXXX XXXX, also with XXXX XXXX employee XXXX XXXX inXX/XX/XXXX."]},"sort":[12.840236,"2584080"]},{"_index":"complaint-public-v1","_id":"3803657","_score":12.206989,"_source":{"product":"Mortgage","complaint_what_happened":"As stated below I am complaining about blatant violations of Subtitle E Mortgage Servicing of the Dodd-Frank Wall Street Reform and Consumer Protection Act and Pursuant to 12 U.S.C. 2605 ( e ) ( 1 ) ( A ) and Reg. X 3500.21 ( e ) ( 1 ). The prospective respondents to this complaint are Select Portfolio Servicing, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. Each of them acting individually and in concert with the others pursued collection of a debt that they knew did not exist. Their collective failure to respond to my questions regarding the status and ownership of their claim corroborates that conclusion. \n\nThe foreclosure was pursued in the name of XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX acting but never asserting status as beneficiary under the deed of trust. Concealed from me was a web of deceit and fraud. None of those entities or implied entities ever had any ownership or authority to administer, collect or enforce my loan, which had been retired contemporaneously with origination in a concealed scheme that eliminated the loan account and eliminated the role of any lender, creditor or successor. \n\nXXXX XXXX and XXXX XXXX XXXX XXXX, acting by and through their subsidiary, Select Portfolio Servicing claim that SPS is authorized to act as servicer on the account but they refuse to identify on whose behalf such servicing occurs or to establish the status of the debt or its ownership such that their claim of authority could be known or corroborated. \n\nThe foreclosure proceedings were conducted on behalf of an entity that did not comply with a basic condition precedent in all U.S. jurisdictions -- - that the claimant must own the debt by reason of having paid for it. A mortgage or deed of trust is not subject to enforcement except by the owner of the debt. And the only way a party can own a debt under our current laws, is by paying for it. See Article 9 203 Uniform Commercial Code as adopted in all states.\n\nEach of the above parties was a participant in an illegal scheme for profit that was masquerading as an action to recoup money for a debt that had in fact already been paid and eliminated from the records of all participants as a receivable or asset. During the whole time that the loan account referred to above was subject to claims or rights of administration, collection and enforcement the debt had been retired through a parallel scheme that was falsely labeled as securitization. \n\nBased upon both their refusal to answer and my own independent research, I assert that their refusal is the result of one simple fact : the loan account does not exist on the books or records of any entity as an asset of that entity. Their refusal to answer repeated inquiries about ownership of the debt corroborates my present belief that the loan was actually extinguished contemporaneously with the origination, with all parties free from any risk of loss, resulting from an influx of money from the creation, issuance, sale and trading of securities that derived their value from data about my loan. \nSuch proceeds were never disclosed at origination, never disclosed in statements to me, and never allocated to the reduce any loan account because there is no loan account on the books or records of any company that claims ownership of the account. This fact was covered up by Select Portfolio Servicing who falsely claimed to be a servicer for XXXX XXXX and who participated in the fabrication of partial records showing payment history but not the establishment of the debt or who was receiving payments I made on what I thought was an existing debt. SPS never performed any servicing functions for XXXX XXXX because there were no activities that were managed, controlled or owned by XXXX XXXX. \n\nBased upon my independent research the absence of the above account on the books of any entity or person is the result of using parallel business schemes in which the debt was satisfied and therefore no account could be credited with either my payments or the proceeds of sale of my homestead. Therefore, their current attempt at collection, administration or enforcement is strictly for profit and not to pay a debt that has already been satisfied in full and eliminated. \n\nPrior to writing statutory letters seeking the specific information about the status and ownership of my transaction or obligation I had not received any answers to my previous questions regarding the identity and contact information for the entity claiming ownership of my obligation. \n\nI then sent a Qualified Written Request under the Real Estate Settlement and Procedures Act and Debt Validation Letter under the Federal Uniform Debt Collector Procedures Act to the self-proclaimed servicer, copies which are being uploaded to your agency as part of this complaint. \n\nThere has been no response whatsoever to the questions that were asked about the status and ownership of my obligation. Analysis from leading experts in securitization of debt have informed me that claims of securitization of my transaction are false. My loan was never sold to anyone and therefore could not have been securitized. No such transaction ever occurred. The documents upon which lawyers for these players rely are fabricated for enforcement and contain false statements and false implied facts as to ownership and authority over the obligation and its administration, collection and enforcement. \n\nMy complaint is that I am being forced to defend myself and my property from false claims and being forced to communicate with companies that have no financial interest in my loan and who refuse to provide any information that would me to determine the status and ownership of what I thought was a loan. \n\nBased upon expert advice corroborated by the lack of response from anyone claiming to be in the chain of ownership of the underlying obligation or anyone claiming to own the right to administer, collect or enforce my obligation, I am left with the standing inference that there is no such party and that the securitization scheme involved issuing, selling and trading securities deriving apparent value from third party promises arising out of data rather than ownership of my obligation. \n\nThe refusal to answer the most basic questions regarding the status and ownership of the obligation also leaves me without access to anyone with actual legal authority to administer, collect or enforce my obligation. \n\nNotwithstanding the above, the self-proclaimed ( and I now know to be unauthorized ) servicer continues to act as though it has the authority to administer, collect and enforce -- - although they refuse to say for whom. I now doubt whether payments that were made by me were ever forwarded to anyone who had paid value for my obligation in exchange for a conveyance of ownership of my debt. In fact, based upon expert analysis and the failure to provide any response, I now believe that no such party exists and that no loan receivable account is currently maintained on the books and records of any company -- - because all the players have already been paid in full for their services or contribution and the investors who supplied capital continue to get paid by the investment banks regardless of whether or not I make payments to anyone. \n\nWithout knowing the identity of the party, if one exists, who paid value in exchange for ownership of the debt, it is impossible to validate the status of the debt or its ownership and therefore impossible to validate the authority of any servicer or lawyer who is asserting or implying they represent such a party. \n\nBased upon current information the XXXX XXXX companies were the bookrunner investment bank that created, issued and sold certificates to presently unknown investors. Those certificates represented unsecured liability of XXXX XXXX doing business as an undisclosed and concealed trust name. \n\nThe transaction was originated and presented as a loan. The advertised originator was XXXX. the actual existence of XXXX is in doubt -- - i.e., unresolved : On XX/XX/XXXX the followingannouncementwas made : XXXX XXXX ( XXXX ) -- XXXX XXXX XXXX, XXXX XXXX 's {$12.00} XXXX hedge fund firm, agreed to buy bankrupt subprime mortgage lender XXXX XXXX XXXX on Tuesday, topping XXXX XXXX in an auction. \nXXXX is one of several subprime lenders to have collapsed in recent months. Subprime loans are offered to borrowers with spotty credit and lower incomes. The sector has descended into crisis as interest rates climbed from record lows and delinquencies increased.See full story. \nXXXX, which was a top 20 subprime mortgage lender, filed for bankruptcy in XXXX. In its filing, the firm said it planned to sell most of its assets to XXXX XXXX, +1.20 % for {$19.00} million.See full story. \n\nDespite having originated several XXXX XXXX dollars ( perhaps billions of dollars ) worth of loans it was only worth {$24.00} XXXX including goodwill, customer lists, and fees receivable -- - and nothing for loans receivable -- - which basically means that there was nothing paid for loans despite some announcements later that made it appear as though {$160.00} XXXX in loans had been purchased from XXXX. Its schedules in bankruptcy are devoid of any such claims of asset value associated with loans receivable because there were no loans receivable. There were only fees receivable. The conclusion in which we have extremely high confidence is that no loans were owned by XXXX ( nor MERS on its behalf -- - see below ). It therefore could not have and did convey any interest in loans it did not own. \n\nThe only company in existence with a business reason to make any acquisition of XXXX assets or business was XXXX XXXX who had an interest in preserving the illusion of loan accounts even if they were not actually owned by XXXX or XXXX XXXX. By preserving the illusion of unpaid loan accounts, it was able to pursue enforcement and collection of debts that appeared to have been unpaid. \n\nAlthoughXXXX had some licenses, it was basicallyacting in two roles : ( 1 ) mortgage broker and ( 2 ) sham conduit for loan instruments ( mortgage and note ). It did in fact act as a mortgage brokerand it appears this was XXXX front for securities brokerage firms -- - XXXX XXXX or XXXX XXXX XXXX XXXX in coordination with XXXX XXXX XXXX. They in turn were acting both as intermediaries and intervenors between the borrowers and the actual source of lending -- - investors ( Pension funds etc. ) who purchased certificates that were actually unsecured promises to pay scheduled payments backed not by mortgages and notes but by the good faith and credit of XXXX XXXX and XXXX XXXX. \n\nHence the investors put up the money and while ordinarily they would have received interests in the loan documents and collateral, they received neither. Neither the certificates nor the holders of certificates issued in the name of the inchoate trust received or conveyed any interest in the subject debt, note or mortgage. Acting as a mortgage broker does not entitle such a company to appear as Payee on a promissory note nor mortgageeor beneficiaryon a mortgage or deed of trust. \n\nMortgage Electronic Registration Systems, Inc. ( MERS ) appears in the title chain as though it means something. At best MERS is the agent of XXXX. In other words, under the best-case scenario MERS was an agent for an agent with no known principal because none was disclosed. The highest probability is that XXXX had no official role as agent for anyone and therefore the MERS agency was merely to create the illusion of a facially valid paper trail which was not based upon any real transactions -- -- i.e., XXXX never loaned me money and MERS had no greater power to assign the mortgage rights than XXXX, as \" principal '' did. \n\nThe Notice of Appointment of Substitute or Successor Trustee is void as a matter of law. Such an instrument may only be authorized by a party who is in fact qualified as a beneficiary under the deed of trust. Under state law such a party must own the debt and be the party to whom the debt is owned and implicitly that means the party who has previously been paid and who will be paid upon liquidation of the property in the forced sale of the premises. In fact, XXXX XXXX has never received any payments and never will receive any payments in foreclosure or through any other means. It is a straw man acting as though it is trustee for a trust that does not in actuality exist or which is, in legal terminology, inchoate ( sleeping ). In plain language unless the sale will go to pay down the debt, the action is not really a foreclosure despite the labels being used. \n\nIt follows both logically and legally that any action undertaken by XXXX XXXX XXXX as Successor trustee are void -- - this conclusion is unavoidable unless some sort of ratification occurred -- - somehow a party who paid value for the debt comes forward to make that assertion and warranty and who can prove it.. \n\nNote that the notice of appointment of successor trustee does NOT state it is executed on behalf of a trust. It is actually impossible to determine the actual party on whose behalf the instrument was executed -- - XXXX XXXX, XXXX, XXXX XXXX, some implied trust? \n\nThe assignment dated XX/XX/XXXX is a backdated, fabricated forged and robosigned instrument having no effect whatsoever. XXXX had long since gone out of business ( 6 years ) and MERS was merely an agent for XXXX. The signer was employed by neither XXXX nor MERS.  The signer is a known example of facsimile signatures used on robosigned documents -- - i.e., documents signed in the name of persons who have not even seen the document much less understood it or knew what was in it and notarized in like manner. The signer is believed to have been employed by Select Portfolio Servicing whose sole function was to pose as an authorized servicer without any real authority to do so. \n\nThe same deficiencies exist for the XXXX appointment of successor trustee. It is a void, forged, backdated, robosigned document on behalf of entities who have no financial interest in the loan other than the expectation of revenue. The title of document control officer is a cover for the fact that the person does nothing other than sign documents put in front of them or permit the use of a stamped signature bearing a facsimile of their signature. Such persons have no personal knowledge of the contents, who prepared the documents, the authority for signing or anything else. \n\nThe XXXX Limited Power of Attorney ( LPOA ) falls into the same category. The grantor, XXXX XXXX had no power to grant such a power of attorney over the subject loan because it was not authorized by the owners of the subject debt to administer the subject loan in any way and in fact never did so. While the grantee may have received some authority to act on behalf of XXXX XXXX, said authority was unrelated to administration of the subject loan. Further the LPOA is contrary to industry practice in banking or investment banking. Powers of attorney are not used in business transactions without specific agreements on the scope of duties, rights and obligations. Those would be included in a servicing agreement which has never been revealed or referenced by SPS.. \n\nSelect Portfolio Servicing, Inc. ( SPS ) is a loan servicing company founded in XXXX as XXXX XXXX XXXX with operations in XXXX XXXX XXXX, Utah and XXXX, Florida. Filings with the Utah SOS and SEC would more accurately confirm that XXXX XXXX XXXX was created as a Utah company in XXXX. \n\nXXXX XXXX ( the parent company of XXXX XXXX ) was owned in part by XXXX XXXX XXXX XXXX, and bond XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX agreed to pay {$40.00} XXXX to settle with the FTC and the U.S. Department of Housing and Urban Development ( HUD ), [ 1 ] which charged them with engaging in a number of unfair, deceptive, and illegal practices in the servicing of subprime mortgage loans. The Commission distributed the {$40.00} XXXX as redress to affected consumers. The settlement also imposed a number of specific limitations on XXXX ability to charge fees and engage in certain practices when servicing mortgage loans. In early XXXX, XXXX changed its name to Select Portfolio Servicing , Inc. and SPS Holding Corp. \nXXXX changed its name to Select Portfolio Servicing effective XX/XX/XXXX according to its Articles of Amendment. \n\nIn XXXX, Select Portfolio Servicing was purchased by XXXX XXXX, a financial services company, headquartered in XXXX, XXXX. According to a Securities and Exchange Commission report ( XXXX : XXXX ) filed XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ),  XXXX now known as XXXX XXXX, purchased Select Portfolio Servicing and its parent holding company for {$140.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX [ 2 ] included \" the acquisition of Select Portfolio Servicing, a mortgage servicing company. '' Even though the debt was retired contemporaneously with origination, the respondents referred to above have acted in concert to seek enforcement as though it was unpaid -- - and to limit their own exposure in third party contracts that were based on data arising from my transaction and others. \n\nIt has taken me years to accumulate the data to arrive at the truth of this matter. You are the agency tasked with stopping illegal behavior and making sure that it doesnt happen again to me or anyone else. Because the scheme is very complex, they continue to escape detection and they avoid fines, penalties and injunction for their activities in turning foreclosure nightmares into their profits and fees. \n\nIf anything in this complaint is wrong then it should be easy to establish that -- - not with a denial but with proof of the existence of a valid accounting entry on the books and records of some entity in accordance with generally accepted accounting principles. They either paid value in exchange for a conveyance of ownership of the underlying obligation or they didnt. If they did, and they maintained the account as an asset receivable then I am wrong. If they didnt, they should be subject to every possible liability. \n\nSincerely,","date_sent_to_company":"2020-08-19T15:16:13.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"63368","tags":null,"has_narrative":true,"complaint_id":"3803657","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2020-08-19T14:50:53.000Z","state":"MO","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Such proceeds were never disclosed at <em>origination</em>, never disclosed in statements to me, and never allocated to the reduce any loan account because there is no loan account on the books or records of any company that <em>claims</em> ownership of the account."]},"sort":[12.206989,"3803657"]},{"_index":"complaint-public-v1","_id":"11230060","_score":11.500677,"_source":{"product":"Debt collection","complaint_what_happened":"Date : XX/XX/XXXX Attention : XXXX  Reference : XXXX Original Creditor : XXXX XXXX XXXX XXXX  Account Number : Current Creditor : XXXX XXXX XXXX XXXX Subject : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} Verification Notice in Response to Dispute Dear XXXX  , We understand that you have some concerns about your outstanding debt from XXXX XXXX XXXX XXXX. We take your concerns seriously and always make an effort to resolve disputes in a fair and practical way. \n\n\n\nThe underlying account, which is the subject of this dispute, was established pursuant to a XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened with XXXX XXXX XXXX XXXX which was used to help secure your tenancy at XXXX XXXX at XXXX. When you moved out, there were unpaid charges and so XXXX XXXXXXXX at XXXX submitted a claim to XXXX in the amount of {$1500.00}. XXXX reviewed the claim submitted and compared it to your lease agreement and bond contract in order to determine what was payable. \n\n\n\nJetty does not impose charges against you, and can not adjust the amount claimed by your property. If you would like to dispute the amount claimed, please contact XXXX XXXXXXXX at XXXX. If they agree to amend the claim, please forward that information to us via email at XXXX and we will be happy to share this with XXXX to reopen and review the claim. \n\n\n\nFor your records, please find the name and address of the original creditor below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX We have reviewed the records for your account and can confirm the following details : Policy Number : Community Name : XXXX XXXX at XXXX XXXX Social Security Number : Bond origination date : XX/XX/XXXX Claim received date : XX/XX/XXXX Claim paid date : XX/XX/XXXX Amount of claim : {$1500.00} Current balance : {$1500.00} To further substantiate this debt, we have made copies of your original account documents available online for your review. These documents can be viewed by clicking the link below or visiting our self-service portal at XXXX. \n\n\n\nView Account Documents This response is being provided to you to confirm that our investigation has verified the accuracy of the above-stated facts relating to this debt. As verification has now been provided to you, we will proceed with the appropriate steps to recover this debt. \n\n\n\nIf, after reviewing the provided information, you believe that this account was opened and/or used fraudulently, you will need to complete the FTC Identity Theft process ( www.identitytheft.gov ) and send us a copy of the submitted report. You will also need to file a report with your local Police Department and provide us with a copy of the Police Report. These documents can be emailed to XXXX. \n\n\n\nIf you have any questions please email us at XXXX or call us at XXXX between the hours of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nCall us Call us Chat with us Chat with us XXXX XXXX Bounce AI , Inc . \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel : ( XXXX ) XXXX ( XXXX XXXX XXXX ) XXXX  This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. \n\nCredit Reporting We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.\n\nStatement of confidentiality The information contained in this electronic message and any attachments are protected by the Electronic Communications Privacy Act ( 18 USC 2510-2521 ). The information is intended for the exclusive use of the addressee ( s ) and may contain confidential or privileged information. No representation is made on the accuracy or completeness of the information contained in this electronic message. Certain assumptions may have been made in the preparation of this material as at this date, and are subject to change without notice. If you are not the intended recipient, you are hereby notified that any dissemination, distribution or copying of this e-mail and any attachment ( s ) is strictly prohibited. Please reply to the sender and destroy all copies of this message and any attachments from your system.We are required under state law to notify consumers of the following rights. This list does not contain a complete list of the rights consumers have under state and federal law.\n\nIf you wish to stop receiving updates regarding your debt from Bounce AI, please unsubscribe here To read the Privacy Policy, browse to finbounce.com/privacy-policy. \n-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX, XXXX XXXX I am being charged fraudulently for blinds that were broken and never replaced when I moved in. I am being charged for repairs that didnt exist. And I am being charged for an extensive cleanups. I was not given back my deposit and when I asked why, I was told the deposit would be used to pay for me terminating my lease early, after I was told I would not be charged for terminating my lease because I purchased a home. I conducted a walkthrough with the property manager and maintenance manager. They assured me that the apartment was in tip top shape and everything is good. I know that it is illegal to withhold a security deposit for false claims. However this over bloated mass of charges is an assault on my character and my credit score. Please make this right. If I dont hear back with a response by XXXX  XX/XX/XXXX, my immediate next action is to hire a lawyer and file a report with my corresponding law enforcement agency. Thank you Charges for rent and damages -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Good day XXXX XXXX, Last year I was living at the cove at XXXX. I had been in apartment XXXX since XXXX of XXXX. I was looking to buy a house at the time to renew my lease. I asked the property manager about breaking my lease if I found a house quickly. She told me that if I buy a house, all I have to do is show a letter from my lender and I wont have to pay to break my lease. She convinced me to sign another lease for XXXX year. I asked for the lease fee waiver in writing but I never received it. \n\nI found a house before the lease was up and informed her that wed be moving. She told me that I have to pay a fee of {$1500.00} to break the lease. I reminded her about what she said about the lease fee waiver and she rudely said youre going to pay me and thats it. She then said that she would use my jetty bond to pay the fee and as long as I leave the apartment in good condition, I would not have to pay anything out of pocket. I have never dealt with a renters security bond before, so I took her word for it. I was overwhelmed and didnt think to confirm the fee which is only XXXX months rent as per the lease. \n\nI closed on my house in XXXX of XXXX and informed the property manager that we would be out before XX/XX/XXXX. A few days before we moved out we emptied and cleaned our apartment, the property XXXX ( I think her name is XXXX but I'm not sure ) and XXXX XXXX came to do the walk through with me. She and XXXX XXXX agreed that the apartment was in very good condition and no damage was done. She took pictures as she did the inspection. We moved out before XX/XX/XXXX. \nI paid XXXX XXXX extra money to cover the lease breakup fees after I moved. \n\nMonths later I started getting calls from a collection agency, the XXXX XXXX  and Bounce AI. I am being charged the {$1500.00} for damages to the apartment and the XXXX at XXXX is charging me approximately {$3000.00} for more damages and 2 months of rent. The XXXX at XXXX says I moved out at the end of XX/XX/XXXX and that I completely trashed the apartment, left behind broken furniture etc. \n\nI have never paid the rent late, and I know I left the apartment in good condition in XXXX. I dont know who or what happened but I know I worked hard to clean the apartment and leave it looking nice. \n\nThe XXXX now has my credit report riddled with negative items and my credit score is suffering. If I ever have to rent again I will not be able to find housing anywhere because my rental history will be destroyed.\n\nPlease help me. This is unfair, and criminal how this property manager has lied, on so many occasions. This is affecting my life and my Finances on a very personal level. \n\nThank you for your time and attention -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Take action to remove the negative entry Hi XXXX We wanted to follow up about the negative entry made on your credit report regarding your {$1500.00} debt owed to XXXX XXXX XXXX XXXX. \n\nYou can have the entry removed from your report once you resolve your outstanding balance. \n\n\n\nHow can you resolve your balance?\n\nView your debt details and explore options like : Settle in full to resolve for a lesser amount Pay over time with installments Once resolved, we will submit a request to remove the negative entry that we have reported to the credit bureaus. This means that anyone who reviews your credit report in the future won't see that it was ever listed. \n\nEXPLORE MY OPTIONS Want to find out more? Contact us at ( XXXX ) XXXX. Our Resolution Experts are here to help with any questions or concerns and to explain your available options. \n\nYour Account Details : Reference number : XXXX Current creditor : XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX Original account number : XXXX  Type of debt : XXXX XXXX XXXX XXXX XXXX Current balance : {$1500.00} Here are some frequently asked questions : Why is Bounce AI appearing on my credit report? \nOne of your accounts has been referred or sold to us, and we are now attempting to collect the outstanding debt. \n\nHow fast can I remove the entry from my credit report? \nThe sooner you resolve, the faster the entry will be removed from your credit report. \n\n\n\n\nThe Bounce AI team XXXX. ( XXXX ) XXXX","date_sent_to_company":"2024-12-20T20:05:21.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"70460","tags":null,"has_narrative":true,"complaint_id":"11230060","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Bounce AI, Inc.","date_received":"2024-12-20T19:16:18.000Z","state":"LA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["For your records, please find the name and address of the original creditor below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX We have reviewed the records for your account and can confirm the following details : Policy Number : Community Name : XXXX XXXX at XXXX XXXX Social <em>Security</em> Number : <em>Bond</em> <em>origination</em> date : XX/XX/XXXX <em>Claim</em> received date : XX/XX/XXXX <em>Claim</em> <em>paid</em> date : XX/XX/XXXX Amount of <em>claim</em> : {$1500.00} Current balance : {$1500.00} To further substantiate this"]},"sort":[11.500677,"11230060"]},{"_index":"complaint-public-v1","_id":"5047692","_score":11.361671,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX fabricated owner ship of my Mortgage and Note indicating they have a legitimate assignment when the assignments are illegal. My signature was forged along with the fabricated documents that I did not sign or have a chance to review. To make things worse XXXX XXXX has refused to show documents to me that show that they have standing such as the documents that show the origination of my loan, the funding of the mortgage and other pertinent documents that prove they have the right to assign the loan to another entity. \nAs the Servicer of the mortgage Select Portfolio has a Fiduciary responsibility according to CFPB Regulation X provision 12 u.s.c. 2605 ( e ) Other CFPB Regulations to assure that the customers payments are posted correctly, and that the debt is accurate. The intentional slackness and indifference of both XXXX XXXX and Select portfolio have ignored the fraudulent assignments of the note and mortgage which makes them part of the conspiracy to steal my home. I sent the documents to XXXX XXXX and Select Portfolio to prove to them that they have no standing and that the XXXX XXXX XXXX XXXX was dissolved in XXXX and did not have a license in the state of Kentucky to originate loans and mortgages. XXXX XXXX, XXXX and Select Portfolio have ignored the official documents and refused to adhere to the regulations. Also they are in violations of our KY KRS 286.8-090 ( g ) ( h ) ( i ) 286.8-220 ( 1 ) ( 2 ) e. g. I. 286.8-990 ( 1 ) ( 2 ) c. d. ( 11 ) which would subsequently void the loan. \nEnacted in XXXX, the Truth in Lending Act ( TILA ), which is part of the Consumer Credit Protection Act, is a federal law that sets forth certain written disclosure requirements. These regulations and the laws have been totally ignored by XXXX XXXX, the XXXX, and Select Portfolio Servicing. \nXXXX XXXX as the Trust for XXXX XXXX XXXX XXXX XXXX XXXX and the others are in violation of Federal laws because of the Trusts lack of standing and my property that clouds the title in the Trust collateral pool. \nSelect Portfolio and XXXX XXXX state that they received the transfer of the note and mortgage XX/XX/XXXX, however they have no information on the documents that show the origination or the closing documents and continue to lie about it.. I have disputed the debt and sent supporting documents the first time I was notified by SPS that they were the servicer. I also sent the Notice to XXXX XXXX to dispute the debt. I also made the request to SPS to send a corrected payment history and the information on the origination of my loan. \nI informed SPS that there were payments not posted to my account and that XXXX had fabricated the property taxes. I sent proof to SPS to show that I paid the property taxes in XXXX XXXX after the mediation, and that the inflated property taxes on my mortgage statement are fabricated. 20K and 11k for my property tax is ridiculous for a home that SPS stated is valuded at XXXX. I also informed SPS that I had homeowner insurance. They put forced place insurance with out my knowledge and charged me for the insurance. They can not continue ignore the request to remove those charges for the insurance and send the origination information as requested. CFPBregulation x I made it clear to Select portfolio and XXXX XXXX that the XXXX XXXX was dissolved in XXXX and that the Power of Attorney was a Robo signer, XXXX that could not have legitimately signed the documents for the Note or Mortgage, in addition who would have authorized it since the XXXX XXXX was dissolved XXXX, supposedly the Power of Attorney was lodged in XX/XX/XXXX. When XXXX filed the county recorder could not record the assignment because it was prepared incorrectly a total of three attempts to get the assignment recorded which was not actually accepted until XX/XX/XXXX. On top of filing the fraudulent documents the documents were prepared incorrectly and notarized by a ROBO notary.. \nXXXX XXXX as the Trustee and Select Portfolio Servicing have continued to ignore the official information sent to them so they can continue to perpetuate the lies and fraud alone with the conspiracy to steal my home. However not only my home in this City but over 600 others in this area with the same situation. \nThis is a very poor excuse for a company that generates Billions in Revenue with an International connection with international investors and the history that the Parent company has. The history of servicing residential home loans and financing mortgages goes back over 50 years with XXXX XXXX the original parent company to state they can not get the origination information or mortgage documents. \nMaybe that is because there was no funding and no documents.. \n\nCustomers are very unhappy, if you want to know just how unhappy consumers are with Select Portfolio Servicing, look at the lawsuits filed against the agency on the Public Access to Court Electronic Records ( PACER ). PACER is the U.S.s federal docket which lists federal complaints filed against a wide range of companies. A search for the agency will display over 5,400 lawsuits filed in the U.S., and these typically involve violations of consumer rights and/or the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX Select Portfolio Servicing XXXX XXXX Select Portfolio Servicing/Parent organizations SPS has serviced residential mortgage loans for more than 30 years and XXXX transactions for 19 years. SPS is wholly owned by XXXX XXXX and acts as a key component of its parents residential mortgage conduit. XX/XX/XXXX Select Portfolio Servicing was created as a XXXX company in XXXX. Filings with both the XXXX Secretary of State and the U.S. Securities and Exchange Commission ( SEC ) confirm this. Filings with the XXXX XXXX and XXXX would more accurately confirm that XXXX XXXX XXXX was created as a XXXX company in XXXX. \nXXXX XXXX ( the parent company of XXXX XXXX XXXX was owned in part by XXXX  XXXX XXXX XXXX, and bond guaranty firm XXXX XXXX XXXX. \nIn XX/XX/XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX agreed to pay {$40.00} million to settle with the FTC and the U.S. Department of Housing and Urban Development ( HUD ), [ 1 ] which charged them with engaging in a number of unfair, deceptive, and illegal practices in the servicing of subprime mortgage loans. The Commission distributed the {$40.00} million as redress to affected consumers. The settlement also imposed several specific limitations on XXXX ability to charge fees and engage in certain practices when servicing mortgage loans. \nXXXX changed its name to Select Portfolio Servicing, Inc. effective XX/XX/XXXX, according to its Articles of Amendment. Around the same time XXXX XXXX renamed itself to SPS XXXX XXXX. \nIn XXXX, Select Portfolio Servicing was purchased by XXXX XXXX, a financial services company, headquartered in XXXX, XXXX. According to a Securities and Exchange Commission report ( XXXX : XXXX ) filed XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now known as XXXX XXXX , purchased Select Portfolio Servicing and its XXXX holding company for {$140.00} million. XXXX XXXX XXXX Investment Banking Strategy [ 2 ] included \" the acquisition of Select Portfolio Servicing, a mortgage servicing company. '' In XXXX, the FTC conducted a review of Select Portfolio Servicings compliance with certain aspects of the XXXX settlement. The FTC and Select Portfolio Servicing negotiated and agreed to several modifications of the settlement. [ 3 ] HUD has also agreed to these changes. \nAs of XX/XX/XXXX, Select Portfolio Servicing 's current CEO and President is XXXX XXXX. [ XXXX ] I continue to question Select Portfolio Servicing charges due to the inflated balance of my loan since they took the loan over in XX/XX/XXXX. The loan has increased from the balance that XXXX transferred to them in XXXX over 80k. There were payments that were not posted and the payments that I made to the Bankruptcy Trustee were never credited to my account. This is currently being review by the US Department of Justice. Select Portfolio Servicing refuses to make corrections to my mortgage account in violation to CFPB regulation. \n\nSeveral documents that were mentioned in the companys response are incorrect such as the Uniform Residential Loan Application and the Settlement statement, I have the original loan application and Settlement statement, the dates were changes and the attorneys notary is incorrect. Those documents were changed. \nSelect Portfolio Servicing concerning the most recent refusal to post payments made to them concerning my account from XX/XX/XXXX to XXXX of XXXX. Claiming that the payments are posted to the arrearage from a previous Servicers, yet they have no proof of the real balance. Select Portfolio Servicing has indicated they can not validate the origination of my loan or any prior payments that I made to XXXX, XXXX XXXX, Associate and the XXXX XXXX XXXX XXXX, The entire loan should be voided because there are no records of prior payments, origination documents or records to show that my loan was funded. \n\nI emailed Select Portfolio Servicing copies of the payments showing that the property taxes and insurances were paid they refused to post the most recent payments I made for the current year for my property tax. I believe they want to continue to inflate the balance of my mortgage account knowing the information they have is incorrect. I have never been without homeowners insurance on my home however SPS put XXXX XXXX XXXX on my home anyway, but later had to remove the XXXX XXXX XXXX They continue to charge me for a {$2200.00} payment that they claimed they made to my homeowners even though they sent a letter indicating they made the correction. SPS continues to harassment me by withholding payments from my account that I have shown canceled checks. I believe that I am being discriminated against due to how I am being treated concerning my mortgage because I believe that they post payments for other clients at a higher percentage correctly than they do for people of color this information is based on the high percentage of complaints made concerning foreclosure in our communities. \n\nMy original contract did not provide an escrow account or escrow agreement. I am not sure why SPS continue to say that I have an escrow balance. If Select Portfolio Servicing can not validate what I owe clearly then this is harassment. They have the cancel checks that I sent to them by way of their attorney more than twice. \n\nI have requested proof from Select Portfolio Servicing that they paid the property taxes and the insurance. They refused to show the information to me yet continue to state that they paid taxes which is not true. I have formerly sent the copies to their attorney from my attorney. They still will not show the validation of those payments they say they made concerning my taxes. This is beyond harassment and now has become discrimination in addition to the violation of the fair Debt collection Act. ( FDCPA ). \n\nXXXX XXXX XXXX has been designated a Robo signer used by the XXXX group to forge and change documents concerning notes and mortgages., therefore because XXXX was involved in my mortgage I dispute the legitimacy of the signature, the notary and the documents that were filed. XXXX was fined over XXXX for attorney fees due to using this","date_sent_to_company":"2021-12-28T18:42:24.000Z","issue":"Trouble during payment process","sub_product":"Other type of mortgage","zip_code":"40211","tags":null,"has_narrative":true,"complaint_id":"5047692","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2021-12-28T17:54:10.000Z","state":"KY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["<em>Securities</em> and Exchange Commission ( SEC ) confirm this. Filings with the XXXX XXXX and XXXX would more accurately confirm that XXXX XXXX XXXX was created as a XXXX company in XXXX. \nXXXX XXXX ( the parent company of XXXX XXXX XXXX was owned in part by XXXX  XXXX XXXX XXXX, and <em>bond</em> guaranty firm XXXX XXXX XXXX. \nIn XX/XX/XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX agreed to pay {$40.00} million to settle with the FTC and the U.S."]},"sort":[11.361671,"5047692"]},{"_index":"complaint-public-v1","_id":"11361869","_score":10.943203,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this letter to formally request a full investigation into the financial practices of JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX, particularly regarding the handling of securities, as well as the resulting financial implication for consumers, including myself as well as their treatment of customers and their accounts. I sent a security registered mail to XXXX XXXX that was delivered XX/XX/XXXX with a communication instructing XXXX XXXX to properly redeem the instrument and credit my account noting that if he didnt have the authority to redeem the instrument to forward it to the Indenture Trustee. My account was not credited nor was the security returned to me. On XX/XX/XXXX I sent a copy of the security I had sent to XXXX XXXX registered mail to Chase XXXX XXXX Chase Card XXXX XXXX addressed to XXXX XXXX XXXX ( due to her signature being on SEC filing documents ). It was delivered XX/XX/XXXX. The copy of the security was accompanied by a communication informing her the original security was sent to XXXX XXXX which had not been redeemed nor had it been returned and instructed her to properly credit my account as well as provide me with the accounting pursuant to UCC 9-210 in accordance with GAAP and the Truth and Lending Act ( 15 U.S.C 1601 ). This also went unacknowledged. On XX/XX/XXXX I filed a CFPB complaint due to the lack of compliance in accordance with UCC 8-505 through UCC 8-508 which is securities fraud. In the complaint I requested the accounting pursuant to UCC 9-210 in accordance with GAAP done by a certified CPA as well as the security that I had sent returned to me if it was to be rejected and not credited to my account. The complaint was responded to on XX/XX/XXXX in which my complaint/concern of the handling of my securities was completely ignored as well as my requests for the accounting pursuant UCC 9-210 . On XX/XX/XXXX I sent, certified mail, letters revoking POA for each entity within Chases transaction structure ( Chase XXXX XXXX, JPMorgan Chase Bank, N.A., Chase Card XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. ) These were all delivered XX/XX/XXXX. Within each letter it was stated that a form XXXX had been properly filed with the IRS. I also sent on XX/XX/XXXX a security registered mail to XXXX XXXX XXXX XXXX office which was delivered XX/XX/XXXX. Again, this security was accompanied by a letter of instruction of the same nature as the others previously sent also requesting the accounting in accordance with GAAP on both the public and private side done by a certified CPA and my security returned if they were being rejected. I have not received the security nor any correspondence. I then received a call from JPMorgan Chases executive principal office about a complaint ( reference # XXXX ) that had reached their office. I originally thought this had to do with my securities. When I called back I was informed it was about my revocation of POA. The woman named XXXX said she had no idea why I was sending this ( being the POA revocation ) to Chase and also stated that there was no POA on file. I informed her that I was revoking JPMorgan Chases POA over my account even though she supposedly had no idea what I was talking about, that I wanted the Durable POA I had provided placed on my account as well as the revocation letter. That I now have the power as the agent over my person and am now the custodian over my account. I then told her that my account was being improperly handled and that JPMorgan Chase was fraudulently handling my securities. She then told me to send an email to an address that was provided to me about my issues regarding the securities. I sent the email on XX/XX/XXXX which detailed every letter I had sent, all the securities I had sent, informing Chase of the violations and their duty to act in accordance with UCC 8-505 through UCC 8-508 , informing CHASE of my rights as an entitlement holder, and my rights to the accounting pursuant UCC 9-210. Reiterating that CHASE has been committing securities fraud and violating their Indenture agreement that is on file with the SEC as well as being in breach of their fiduciary duties. I demanded a proper crediting of my account and requested again, the accounting in accordance with GAAP on both the public and private side done by a certified CPA. This email has gone unanswered. Prior to this on XX/XX/XXXX I sent JPMorgan XXXX XXXX address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , a security registered mail that was delivered XX/XX/XXXX. On this security I had done a restrictive endorsement. I then received in the mail from JPMorgan at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a correspondence that said We are unable to accept the enclosed securities for your investment account ending in XXXX  We received the following stock/bond certificate ( s ) for deposit into your investment account it further states We are unable to accept this item for deposit into an investment account. This item is not transferable. With this response was the security that I had sent along with the instruction letter. I had also sent a security registered mail to JPMorgan XXXX address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX registered mail that was delivered on XX/XX/XXXX. This security was accompanied by a communication instructing JPMorgan XXXX to redeem the security and credit my account. It is now XX/XX/XXXX and my account has yet to be credited. Today on XX/XX/XXXX I emailed JPMorgan Chase executive principals office ( via an email address provided to me by XXXX ) a pre-arbitration email in which I also stated that I would be mailing the pre-arbitration letter to each entity listed herein. The email contained all my supporting documents. It was later today at around XXXX that I attempted to use my credit card and the transaction was declined. I called the number on the back of the card and they informed me my account had been shut down due to suspicious activity which they also had shut down my checking and savings account due to suspicious activity even though the debit card and savings account had never been used accept to put {$50.00} in both accounts to keep the account open. JPMorgan Chase is clearly retaliating against me due to the fact that I am asserting my rights and demanding what is owed to me. This is illegal and deeply concerning when in conjunction with the securities fraud, the breach of fiduciary duties and the unjust enrichment that has been occurring for months now. It has been since the inception of this account that I have been lawfully sending stock/bond certificates to JPMorgan Chase for proper redemption to proper crediting to my account. It has been since then that JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have been committing securities fraud as well as acting in unfair, deceptive, and abusive ways and in breach of their fiduciary duties.\n\nIt is clear in JPMorgans correspondence that I have in fact been in possession of securities ( stock/bond certificates ). This fact is evidenced/validated by the forensic audit that traced my statements and the credit card receivables to CHASE XXXX XXXX XXXX Class A ( XXXX ) notes with the XXXX XXXX XXXXXXXX. UCC 8-501 defines a securities account as ( a ) \" Securities account '' means an account to which a financial asset is or may be credited in accordance with an agreement under which the person maintaining the account undertakes to treat the person for whom the account is maintained as entitled to exercise the rights that comprise the financial asset. ( b ) Except as otherwise provided in subsections ( d ) and ( e ), a person acquires a security entitlement if a securities intermediary : ( 1 ) indicates by book entry that a financial asset has been credited to the person 's securities account ; ( 2 ) receives a financial asset from the person or acquires a financial asset for the person and, in either case, accepts it for credit to the person 's securities account ; or ( 3 ) becomes obligated under other law, regulation, or rule to credit a financial asset to the person 's securities account. ( c ) If a condition of subsection ( b ) has been met, a person has a security entitlement even though the securities intermediary does not itself hold the financial asset. ( d ) If a securities intermediary holds a financial asset for another person, and the financial asset is registered in the name of, payable to the order of, or specially indorsed to the other person, and has not been indorsed to the securities intermediary or in blank, the other person is treated as holding the financial asset directly rather than as having a security entitlement with respect to the financial asset. UCC 9-102 defines Account as, means a right to payment of a monetary obligation, whether or not earned by performance, ( i ) for property that has been or is to be sold, leased, licensed, assigned, or otherwise disposed of, ( ii ) for services rendered or to be rendered, ( vii ) arising out of the use of a credit or charge card or information constrained on or for use with the card. UCC 8-102 defines a Security as an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of any issuer : ( i ) which is represented by a security certificate in bearer or registered form, or the transfer of which may be registered upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series of shares, participations, interests, or obligations ; and ( iii ) which : ( A ) is, or is of a type, dealt in or traded on securities exchanges or securities markets ; or ( B ) is a medium for investment and by its terms expressly provides that it is a security governed by this Article. It defines Instruction as means a notification communicated to the issuer of an uncertificated security which directs that the transfer of the security be registered or that the security be redeemed. UCC 8-505 says, ( a ) A securities intermediary shall take action to obtain a payment or distribution made by the issuer of a financial asset. A securities intermediary satisfies the duty if : ( 1 ) the securities intermediary acts with respect to the duty as agreed upon by the entitlement holder and the securities intermediary ; or ( 2 ) in the absence of agreement, the securities intermediary exercises due care in accordance with reasonable commercial standards to attempt to obtain the payment or distribution. ( b ) A securities intermediary is obligated to its entitlement holder for a payment or distribution made by the issuer of a financial asset if the payment or distribution is received by the securities intermediary. UCC 8-506 says, A securities intermediary shall exercise rights with respect to a financial asset if directed to do so by an entitlement holder. A securities intermediary satisfies the duty if : ( 1 ) the securities intermediary acts with respect to the duty as agreed upon by the entitlement holder and the securities intermediary ; or ( 2 ) in the absence of agreement, the securities intermediary either places the entitlement holder in a position to exercise the rights directly or exercises due care in accordance with reasonable commercial standards to follow the direction of the entitlement holder. UCC 8-507 says, ( a ) A securities intermediary shall comply with an entitlement order if the entitlement order is originated by the appropriate person, the securities intermediary has had reasonable opportunity to assure itself that the entitlement order is genuine and authorized, and the securities intermediary has had reasonable opportunity to comply with the entitlement order. A securities intermediary satisfies the duty if : ( 1 ) the securities intermediary acts with respect to the duty as agreed upon by the entitlement holder and the securities intermediary ; or ( 2 ) in the absence of agreement, the securities intermediary exercises due care in accordance with reasonable commercial standards to comply with the entitlement order. ( b ) If a securities intermediary transfers a financial asset pursuant to an ineffective entitlement order, the securities intermediary shall reestablish a security entitlement in favor of the person entitled to it, and pay or credit any payments or distributions that the person did not receive as a result of the wrongful transfer. If the securities intermediary does not reestablish a security entitlement, the securities intermediary is liable to the entitlement holder for damages. UCC 8-508 says, A securities intermediary shall act at the direction of an entitlement holder to change a security entitlement into another available form of holding for which the entitlement holder is eligible, or to cause the financial asset to be transferred to a securities account of the entitlement holder with another securities intermediary. A securities intermediary satisfies the duty if : ( 1 ) the securities intermediary acts as agreed upon by the entitlement holder and the securities intermediary ; or ( 2 ) in the absence of agreement, the securities intermediary exercises due care in accordance with reasonable commercial standards to follow the direction of the entitlement holder. UCC 8-401 says, ( b ) If an issuer is under a duty to register a transfer of a security, the issuer is liable to a person presenting a certificated security or an instruction for registration or to the person 's principal for loss resulting from unreasonable delay in registration or failure or refusal to register the transfer. There is clear and conclusive evidence that JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have been committing securities fraud by willfully ignoring lawful instructions and requests with respect to the stock/bond certificates obtained by me in good faith, in which I am entitled to have properly redeemed and credited to my account in which every entity listed here is obligated and has the authority to handle in accordance with the law. \n\nIn addition to the clear violations of the law, JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. are in clear breach of the Trust Indenture on file with the SEC which defines a Holder means, when used with respect to any Note, a Noteholder. Defines Note or Notes means any note or notes of any Series, Class or Tranche authenticated and delivered from time to time under this Indenture. Defines Noteholder means a Person in whose name a Note is registered in the Note Register or the bearer of any Bearer Note ( including a Global Note in bearer form ), as the case may be. Section 3.07 Payment of Interest ; Interest and Principal Rights Preserved ; Withholding Taxes says, ( a ) Unless otherwise provided with respect to such Note pursuant to Section 3.01, interest payable on any Registered Note will be paid to the Person in whose name that Note ( or one or more Predecessor Notes ) is registered at the close of business on the most recent Record Date and interest payable on any Bearer Note will be paid to the bearer of that Note ( or the applicable coupon ). Section 3.08 Persons Deemed Owners says, Title to any Bearer Note, including any coupons appertaining thereto, shall pass by delivery. The Issuing Entity, the Indenture Trustee, the Owner Trustee, the Beneficiary, Chase USA and any agent of the Issuing Entity, the Indenture Trustee, the Owner Trustee, Chase USA or the Beneficiary may treat the Person who is proved to be the owner of such Note pursuant to subsection 1.04 ( c ) as the owner of such Note for the purpose of receiving payment of principal of and ( subject to Section 3.07 ) interest on such Note and for all other purposes whatsoever, whether or not such Note be overdue, and neither the Issuing Entity, the Indenture Trustee, the Owner Trustee, the Beneficiary, Chase USA nor any agent of the Issuing Entity, the Indenture Trustee, the Owner Trustee, Chase USA or the Beneficiary will be affected by notice to the contrary. Section 6.11 Unconditional Right of Noteholders to Receive Principal states and Interest ; Limited Recourse states, Notwithstanding any other provisions in this Indenture, the Holder of any Note will have the right, which is absolute and unconditional, to receive payment of the principal of and interest on such Note on the Legal Maturity Date specified in the related Indenture Supplement and to institute suit for the enforcement of any such payment, and such right will not be impaired without the consent of such Holder. Section 10.01 Payment of Principal and Interest says, With respect to each Series, Class or Tranche of Notes, the Issuing Entity will duly and punctually pay the principal of and interest on such Notes in accordance with their terms and this Indenture, and will duly comply with all the other terms, agreements and conditions contained in, or made in this Indenture for the benefit of, the Notes of such Series, Class or Tranche. In these sections of the Indenture Chase USA is to be replaced with JPMorgan Chase Bank , N.A . pursuant to the merger date of these two entities which occurred XX/XX/XXXX. \n\nFederal Reserve Act section 16 part 2 states Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district 12 U.S.C 1431 Powers and duties of banks says, ( a ) Borrowing money ; Issuing bonds and debentures ; General powers- Each XXXX XXXXXXXX XXXX XXXX  shall have power, subject to rules and regulations prescribed by the Director, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all the things necessary for carrying out the provisions of this chapter and all things incident thereto. Not only is it clear that JPMorgan Chase has provided me NO value, it is clear that I am the one providing ALL the value to JPMorgan. I provided my original application which is the security collateral for JPMorgan to get funding at an at par rate with the Treasury as well as the credit card receivables which I supply by use of MY credit that JPMorgan then sells for BILLIONS of dollars evidenced by the XXXX report. \n\nI am NOT gifting JPMorgan these assets. These assets generate value far greater than the debt incurred each month and due to the fact that I am the one providing the assets I retain an equitable interest in the proceeds generated pursuant to UCC 9-203. As a consumer I am protected under the Truth and Lending Act 15 U.S.C 1601 et seq. and have a right to transparency and equitable treatment in financial transactions. JPMorgan is profiting BILLIONS of dollars because of what I provide them, which is why I receive monthly stock/bond certificates that are to be credited to my account to offset the obligations I have incurred. In my attempt to properly claim the equity I am owed and my rights as a consumer JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have retaliated and conspired against my rights ( 18 U.S.C 241 ) violating principles of fair dealing and good faith under UCC 1-304 attempting to deceive and defraud me through blatant lies in regard to the nature of the securities I hold as well as steal the assets I have lawfully and legally obtained and have a right to, breaching their fiduciary duties and shutting down ALL of my accounts denying me my right to credit. The CFPB was explicitly created to protect the rights of consumers to be protected from unfair, deceptive, and abusive financial practices. These are egregious actions taken against a consumer who in good faith is asserting their rights under the law due to unjust enrichment that is validated by forensic data and the financial institutions own words.\n\n12 U.S.C 1833a Civil Penalties clearly states that ( a ) In general Whoever violates any provision of law to which this section is made applicable by subsection ( c ) shall be subject to a civil penalty in an amount assessed by the court in a civil action under this section. ( b ) Maximum amount of penalty 1 ) Generally The amount of the civil penalty shall not exceed {>= $1,000,000}. ( 2 ) Special rule for continuing violations In the case of a continuing violation, the amount of the civil penalty may exceed the amount described in paragraph ( 1 ) but may not exceed the lesser of {>= $1,000,000} per day or {>= $1,000,000}. ( 3 ) Special rule for violations creating gain or loss ( A ) If any person derives pecuniary gain from the violation, or if the violation results in pecuniary loss to a person other than the violator, the amount of the civil penalty may exceed the amounts described in paragraphs ( 1 ) and ( 2 ) but may not exceed the amount of such gain or loss. \n\nXXXX XXXX and JPMorgan Chase have been in continued violation for XXXX business days. Chase XXXX XXXX and XXXX XXXX XXXX has been in continued violation for XXXX business days. XXXX XXXX and XXXX XXXX as Indenture Trustee have been in continued violation for XXXX business days. It is evidenced above that JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have derived pecuniary gain from these violations and I am experiencing an extreme loss. The failure on the financial institutions behalf to properly comply with the law has impacted my credit report which has shown that I have an incredibly high debt to income ratio which has impacted my ability to obtain other forms of credit explicitly being denied. It has also caused me to struggle to make ends meet due to the lack of available credit on my account, causing me to be delinquent on multiple obligations. Needing to go to extreme measures such as obtaining a forensic audit which cost {$2500.00}. This has caused me extreme stress, having to continuously stay up late into the night to find ways to force proper compliance as well as work longer hours due to being denied my right to credit. Closing my account has deprived me of my right to credit leaving me with no funds for food, gas and other basic needs. Every signature I give, and every credit or security I create is intrinsically tied to the divine and natural right to provide for myself and my family. Credit fuels opportunity and opportunity is my right. \n\nIt is the duty and obligation of JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. to act in accordance with the law. It is their fiduciary duty to act in my best interest, to properly handle my securities, to allow me access to my credit, to provide me the equity that I am truly owed. The forensic audit I had done on my account which the auditor is willing to testify to in a court of law, traced my statements and the credit card receivables to CHASE XXXX XXXX XXXX XXXX XXXX  ( XXXX ) notes with the XXXX XXXX XXXX. JPMorgan confirmed this by stating that I was in possession of stock/bond certificates. This is clear and conclusive evidence that 1. I am entitled to the payment of these securities. 2. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have been committing securities fraud. 3. I am owed equity due to the value I am providing per the credit card receivables. 4. JPMorgan Chase is retaliating against me asserting these rights by closing my account. 5. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. are in breach of their fiduciary duty. 5. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have acted in bad faith. 6. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have conspired with one another to financially injure, oppress, and intimidate me from exercising my rights secured for me by the laws of the United States. 7. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. actions have constituted unjust enrichment. 8 JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. have violated consumer laws. 9. JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. are in violation of consumer laws. \n\nThese are conclusive violations of the law and it is clear that JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX. believe that because they control access to consumers ' financial wellbeing that they can get away with acting in bad faith, abusing, deceiving, stealing and intimidating consumers when they seek to claim their rights or the equity owed to them under the law. It should be taken very seriously the extent to which they have gone to rob me of my rights and entitlements as a consumer and as the one loaning them securities that they profit billions of dollars off of. I implore the CFPB to alert the SEC of the securities fraud that has been committed by JPMorgan Chase, JPMorgan XXXX, Chase XXXX XXXX and XXXX XXXX, XXXX","date_sent_to_company":"2025-01-03T04:23:43.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"598XX","tags":null,"has_narrative":true,"complaint_id":"11361869","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-01-03T03:58:50.000Z","state":"MT","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["UCC 8-507 says, ( a ) A <em>securities</em> intermediary shall comply with an entitlement order if the entitlement order is <em>originated</em> by the appropriate person, the <em>securities</em> intermediary has had reasonable opportunity to assure itself that the entitlement order is genuine and authorized, and the <em>securities</em> intermediary has had reasonable opportunity to comply with the entitlement order."]},"sort":[10.943203,"11361869"]},{"_index":"complaint-public-v1","_id":"12807464","_score":10.69656,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX Re : Account Number XXXX | Formal Demand for Debt Validation Under FCRA, OCC, FDCPA, UCC, Trust Law, FDIC Regulations, SEC, TILA/RESPA, Florida Consumer Law, and Equitable Remedies To Whom It May Concern : This letter constitutes a formal dispute and demand for validation of the alleged debt referenced above, pursuant to 15 U.S.C. 1692g ( FDCPA ) and 12 CFR 1006.34 ( c ) ( Regulation F ). Failure to provide the enumerated documents within 30 days will result in a conclusive presumption of invalidity, triggering immediate legal, regulatory, and equitable remedies. \n________________________________________ I. LEGAL BASIS FOR DOCUMENT PRODUCTION A. XXXX XXXX Defects ( XXXX ( XXXX ) of Trusts XXXX, XXXX, XXXX ; XXXX XXXX ) XXXX. Pooling and Servicing Agreement ( XXXX ) Compliance : Provide the complete XXXX, including : Schedule A ( list of assets ) proving this debt was transferred into the trust prior to the closing date. \nSection XXXX ( loan transfer protocols ) with timestamps and certifications of compliance. \nXXXX XXXX ID ( XXXX ) and CUSIP number for the securitized pool. \nQuestions : If the XXXX closing date precludes this debts inclusion, does this violate New York XXXX XXXX XXXX, rendering the transfer void under XXXX XXXX XXXX XXXX, XXXX Mass. XXXX ( XXXX )? \nIf Schedule A omits this account, does this breach SEC XXXX XXXX ( record retention )? \nXXXX. XXXX XXXX XXXX XXXX XXXX XXXX : o Provide XXXX IRS Form XXXX ( Trust Tax Returns ) listing this debt as an asset. \nSubmit trustee resolutions authorizing collection and audit reports proving no commingling of assets under XXXX ( XXXX ) of Trusts XXXX. \nQuestions : If Form XXXX omits this debt, does this constitute tax fraud under XXXX XXXX. XXXX? \nIf commingling occurred, does this void the trusts standing under XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX ( XXXX )? \nXXXX. Non-Performing Notes Insurance Compliance : Provide all insurance policies related to non-performing notes held by the trust, including : Policy numbers, coverage terms, and effective dates. \nClaims filed on these policies related to Account # XXXX. \nProof of proceeds applied to this debt, extinguishing your claim under XXXX XXXX. \nQuestions : If insurance proceeds were paid for this debt, does this nullify your right to collect under FDIC v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX )? \nIf such policies exist but were not disclosed in SEC filings, does this violate XXXX CFR XXXX ( material omissions )? \nXXXX FDIC Compliance ( 12 U.S.C. 1821 ( d ) ; FDIC Advisory Opinion XXXX ) XXXX. Post-Receivership Transfers : Provide the Purchase and Assumption ( XXXX & XXXX ) Agreement filed with the FDIC under 12 CFR 360.6, including : Section 3.2 : Proof of compliance with FDICs \" no assignment '' clauses post-receivership.\n\nExhibit 1.1 : List of assets transferred, including this account. \nQuestions : If acquired post-FDIC receivership, does this violate FDIC v. XXXX? \nIf the XXXX XXXX XXXX  lacks this account, does this confirm lack of standing under XXXX XXXX XXXX XXXX FDIC, XXXX XXXX XXXX ( XXXX )? \nXXXX. Double Recovery Bar : Provide FDIC Form 160 ( certification of no double recovery ) and loss-share agreements.\n\nQuestion : If the FDIC reimbursed the original creditor, does this extinguish your claim under 12 U.S.C. 1825 ( b ) ( 2 )?\n\nC. UCC Compliance ( UCC 3-301, 9-203, 9-406 ) 1. Enforceable Interest : Provide the original wet-ink promissory note with specific endorsements to XXXX XXXX XXXX under UCC 3-205 .\n\no Questions : If the note is lost, can you prove possession at the time of loss under UCC 3-309 ( a )?\n\nIf endorsements are missing, does this void enforceability under XXXX v. XXXX XXXX XXXX XXXX ( XXXX )? \nXXXX. Perfection of Security Interest : Provide the XXXX financing statement filed in XXXX XXXX XXXX FL ( XXXX # ________ ), including : Debtors name ( XXXX XXXX ) and collateral description matching this account. \nQuestion : If no XXXX exists, does this render the debt unsecured under In re Commercial Money Center, XXXX B.R. XXXX ( XXXX Cir. BAP XXXX )? \nXXXX SEC & XXXX Disclosures ( 15 U.S.C. 77l ; 12 CFR 1026.36 ) 1. SEC Form XXXX & XXXX : Provide XXXX Form XXXX filings disclosing this debts delinquency status and charge-off date. \nQuestion : If omitted, does this violate 17 CFR 229.1125 ( material omissions )?\n\n2. TILA 131 ( g ) Transfer Notice : Provide the written notice sent within 30 days of transfer to a trust.\n\nQuestion : If no notice was sent, does this nullify the transfer under XXXX v. Barley, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX )? \nXXXX XXXX XXXX : Forward Flow Agreement & Bill of Sale XXXX. Forward Flow Agreement : Provide the complete Forward Flow Agreement between XXXX and XXXX, including : Exhibit B : Account schedule listing # XXXX with balance and origination date. \nSection XXXX : Warranties of enforceability and compliance with FDCPA. \nQuestions : If Exhibit B lacks this account, does this breach UCC 2-313 ( express warranties )?\n\nIf warranties are false, does this entitle me to rescission under XXXX XXXX. XXXX? \nXXXX. XXXX XXXX XXXX with Specificity : Provide a notarized bill of sale identifying : Account # XXXX, including principal, interest, and fees. \nChain of title from XXXX to XXXX under UCC 9-102 ( a ) ( 72 ). \nQuestions : If the bill of sale is generic, does this violate XXXX v. XXXX XXXX? \nIf consideration paid was {$0.00}, does this invalidate the sale under XXXX ( XXXX ) of Contracts XXXX? \nXXXX Florida XXXX : Licensing, Bond, and Verification ( XXXX XXXX. XXXX, XXXX ) 1. Debt Collector License & Surety Bond : Provide XXXX XXXX Consumer Debt Collector License # ________ and surety bond # ________ ( minimum {$50000.00} under XXXX XXXX. XXXX ). \nQuestions : If unlicensed, does this void all collection activity under XXXX v. XXXX XXXX XXXX? \nIf the bond is expired, does this expose XXXX to treble damages under XXXX XXXX. XXXX ( XXXX )? \n2. Verification Procedures : Disclose the name, title, and qualifications of personnel who verified this debt.\n\nProvide call logs, emails, and audit trails proving XXXX validated the debt. \nQuestions : If verification relied on electronic records alone, does this breach FCRA 1681s-2 ( b )?\n\nIf no audit trail exists, does this violate FTC Consent Order XXXX? \n________________________________________ II. DOCUMENTATION DEMANDED Provide all of the following within 30 days : 1. Trust Documents : Full XXXX, trust tax ID, CUSIP number, trustee resolutions, audit reports, non-performing notes insurance policies, claims, and proceeds records. \n2. FDIC Compliance : P & A Agreement, FDIC Advisory Opinion XXXX proof, loss-share agreements. \nXXXX. XXXX Proof : Wet-ink note, XXXX filing XXXX chain of custody affidavit. \nXXXX. XXXX Disclosures : Form XXXX, XXXX, TILA transfer notice. \n5. Accounting Records : XXXX XXXX XXXX, Form XXXX, payment ledger with daily interest calculations. \n6. Forward Flow Agreement : Complete agreement with account-specific schedules and warranties. \n________________________________________ XXXX. CONSEQUENCES OF NON-COMPLIANCE XXXX Credit Reporting : Immediate deletion from all bureaus under FCRA XXXX. \nXXXX. Regulatory Complaints : CFPB ( FDCPA ), SEC ( securities fraud ), FDIC ( unsafe practices ), FTC, Florida OAG, and IRS Criminal Investigation. \nXXXX. Litigation : Claims for FDCPA, FCCPA, TILA, XXXX, XXXX, and tax fraud, seeking $ XXXX in damages + disgorgement. \n________________________________________ XXXX. LEGAL PRECEDENT & PREEMPTIVE REBUTTALS A. Precedent-Based Objections XXXX. \" No XXXX Available '' : XXXXXXXX XXXX XXXX XXXX : Failure to produce XXXX voids standing to collect. \nXXXX. \" Electronic Copies Suffice '' : In re XXXX : Electronic records are inadmissible under XXXX XXXX. \nXXXX. \" FDIC Compliance Irrelevant '' : FDIC XXXX XXXX : Loss-share agreements bar double recovery under 12 U.S.C. 1825 ( b ) ( 2 ). \nB. Regulatory Penalties SEC : $ XXXX fines for ABS disclosure violations ( 17 CFR 240.15Ga-1 ). \nCFPB : $ XXXX for FDCPA misrepresentations ( 12 CFR 1006.34 ).\n\n________________________________________ V. REMEDIES & TIMELINES 1. Debt Deletion : Remove from all credit bureaus within 5 days of validation failure ( FCRA 1681i ). \nXXXX. Statutory Damages : Wire {$5000.00} via [ Your Wiring Instructions ] or mail check payable to XXXX XXXX at the above address ( 15 U.S.C. 1692k ). \nXXXX. XXXX XXXX : Disgorgement of unlawful profits under SEC XXXX XXXX XXXX XXXX XXXX \n________________________________________ VI. ANTICIPATORY COUNTERARGUMENTS Creditor Claim Your Rebuttal \" We dont maintain XXXX '' '' XXXX XXXX No XXXX = no ownership. Delete the debt or face declaratory judgment. '' \" We use electronic records '' '' In re XXXX : XXXX XXXX requires wet-ink notes. Failure = $ XXXX. '' \" FDIC compliance isnt required '' '' 12 U.S.C. 1818 : FDIC-regulated entities must comply. Non-response = admission. '' ________________________________________ XXXX Notice : Retain all documents, metadata, and communications under XXXX v. XXXX XXXX, XXXX F.R.D. XXXX ( S.D.N.Y. XXXX ). Spoliation = sanctions. \nSincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( www.consumerfinance.gov/complaint ) Federal Trade Commission ( XXXX ) FDIC ( XXXX XXXX XXXX  ) Office of the Comptroller of the Currency ( https : //occ.gov ) Florida Attorney General IRS Criminal Investigation","date_sent_to_company":"2025-04-03T19:52:15.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"33324","tags":null,"has_narrative":true,"complaint_id":"12807464","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-04-03T19:13:23.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["If consideration <em>paid</em> was {$0.00}, does this invalidate the sale under XXXX ( XXXX ) of Contracts XXXX? \nXXXX Florida XXXX : Licensing, <em>Bond</em>, and Verification ( XXXX XXXX. XXXX, XXXX ) 1. Debt Collector License & Surety <em>Bond</em> : Provide XXXX XXXX Consumer Debt Collector License # ________ and surety <em>bond</em> # ________ ( minimum {$50000.00} under XXXX XXXX. XXXX ). \nQuestions : If unlicensed, does this void all collection activity under XXXX v. XXXX XXXX XXXX?"]},"sort":[10.69656,"12807464"]},{"_index":"complaint-public-v1","_id":"2647417","_score":9.980999,"_source":{"product":"Mortgage","complaint_what_happened":"NOTICE - MOST IMPORTANT - XXXX XXXX Trustee has contradicted the fact that JPMorgan Chase Bank claims of being the investor and or having such investing information from XXXX XXXX XXXX d.b.a XXXX XXXX XXXX whom where forced out of business XX/XX/XXXX - XX/XX/XXXX by the California Corporations Commissioner. More over how was our personal identity stolen from banks involved? XXXX XXXX XXXX and XXXX XXXX former employees of XXXX XXXX XXXX XXXX XXXX is alleged to be formerly of XXXX XXXX XXXX XXXX IL.Both are employees currently with JPMorgan Chase Bank USA NA and Co. When we spoke with XXXX XXXX concerning their position within this mortgage assignment fraud, fraud no contract, fraud inclusion, and fraud in the concealment, they XXXX XXXX representative stated that they are only the TRUST of the Trust and JPMorgan Chase Bank the SERVICER of alleged mortgage assignment has the information of the alleged investor XXXX or XXXXXX/XX/XXXXHE which of the two are relevant seems to be the case here! See attachments.\nAttempts to seek a resolution with SERVICER JPMorgan Chase Bank whom fraudulently claims there is a Mortgage and a alleged investor without proof has been going on since XX/XX/XXXX, well after the Payoff of EMC has taken placeXX/XX/XXXX As well XX/XX/XXXXa payment in form of MONEY ORDER shall be submitted to JPMorgan Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA [ XXXX ] XXXX to make a final attempt to settle this debt. If the Fraudulent Mortgage Assignment is not removed we shall pursue legal action within the proper jurisdictions agains all banks involved and personnel.\nXX/XX/XXXX 1 BOND XXXX Notice the Hall Release Mortgage Assignment is title RELEASE from XXXX whom was paid by JPMorgan Chase and or XXXX XXXX XXXX to file this fraudulent document dated XX/XX/XXXX recordedXX/XX/XXXX with the LA County Registrar. This is a fraudulent document due to its nature and lack of information therein. There is no dollar amount owed, there is no date to which the third party debt collector JPMorgan Chase acquired loan, its titled RELEASE!\nt is believed that this loan was created inXX/XX/XXXXthereafter XXXX XXXX XXXX  obtained investments within the XXXX XXXX XXXX XXXX XXXX Which is now or have been acquired by JPMorgan Chase NA as of the yearXX/XX/XXXX The Documents where prepared by XXXX XXXX XXXX of JPMorgan Chase Co NA she is also the alleged Secretary for XXXX? As well the Beneficiary and Nominee for XXXX XXXX/ WaMu address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX phone number XXXX XXXX she prepared this fraudulent document on XX/XX/XXXX and had paid XXXX  XXXX XXXX XXXX XXXX to record it with XXXX XXXX County Recorder Registrar onXX/XX/XXXX. Ten ( 10 ) years after the alleged acquisition of WaMu/JPMorgan Chase Bank well after again 10-12 years after XXXX XXXX was no longer in business within said county of XXXX XXXX and the State, Of California. This document was not mailed to the halls property thereafter the recording of this fraudulent document nor was it on record as of XX/XX/XXXX when both XXXX XXXX XXXX and XXXX XXXX XXXX visited the XXXX XXXX XXXX County Registrar office. This was the first time the XXXX made an appearance to do a property title search since owning and living on and in their home property of XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX. Now was any permission given for anyone to record such documents on the halls behalf during such time.\nIt is also stated that XXXX XXXX XXXX alleges that XXXX XXXX XXXX and XXXX XXXX XXXX recorded alleged said deed of trust on XX/XX/XXXX. This is completely false. Further more as stated on 99 % of mortgage assignments there is an amount owed to the assignee rather on the alleged assignment there is no amount recorded. I believe its is due to no amount recorded therein there is no amount owed.\nSince this alleged loan was created, to avoid and hide the investment funds XXXX XXXX was CUSIP Number CUSIP # XXXX worth $ XXXXMillion maturity dateXX/XX/XXXX, originated XX/XX/XXXX. The final maturity date for this investment is XX/XX/XXXX. Therefore XXXX XXXX XXXX [ XXXX XXXX ] owner and CEO of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is the only recipient of said funds. Therefore the issue at hand is the alleged mortgage loan created documents, DEED Title instrument used to create illusion of the actual funds of CUSIP NUMBER CUSIP # XXXX. This is the issue at hand.\nMore over we have emails from JPMorgan Chase that indicates other forgeries that of family members and former friends or associates. The documents are doctored up some are newly created and are nothing but a false representation of banking should be to and for the people.\nThe fraudulent mortgage assignment was created 10 years after JPMorgan Chase Bank alleges to have acquired the note from XXXX XXXX XXXX dba XXXX XXXX XXXX thereafter alleged acquisition by WaMu. JPMorgan also contradicts itself by stating that they acquired the loan from WaMu XX/XX/XXXXa letter sent XX/XX/XXXX, and again inXX/XX/XXXXin form of another letter this year XX/XX/XXXX.\n2 BOND XXXX Bill Of Exchange Act 34 of 1964 [ Assented to XX/XX/XXXX1964 ] [ Date Of Commencement : XX/XX/XXXX 1964 ] ( XXXX text signed by the State President ) as amended by Suretyship Amendment Act 57 of 1971 Bills of Exchange Amendment Act 58 of 1977 Finance Act 77 of 1986 Bills of Exchange Amendment Act 56 of 2000 Act. To consolidate and amend the law relating to bills of exchange, cheques and promissory notes.\nAttn. XXXX XXXX XXXX homeowner liaison XXXX XXXX XXXX and XXXX XXXX XXXX Nominee Secretary Beneficiary XXXX etc, .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Corporate number - XXXX DissolvedXX/XX/XXXX, please advise how is it possible to file a corporate title lien when this corporation was dissolved as of XX/XX/XXXX and agains in Michigan via Delaware as of XX/XX/XXXX? XXXX XXXX XXXXXX/XX/XXXX company type is XXXX XXXX. Company Number assigned to this business is XXXX and state of formation is DE. This company business address is XXXX XXXX XXXX XXXX XXXX XXXX De XXXX. Mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX You can find this business by geo coordinates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are no public or private records of any agents or officers of this alleged corporation and its dealings at this time.\nXXXX XXXX XXXX was incorporated on Monday XX/XX/XXXX, so this company age is twelve years, two months and twenty-eight days. Current company status of this company is Forfeited. XXXX XXXX XXXX agent is XXXX XXXX XXXX XXXX XXXX Of Md.. According to Maryland business register this business is not in good standing.\nDefinitions 46. Notice of dishonor and effect of falter to five such notice subject to the provisions of this Act, if a bill has been dishonored by non-acceptance or by nonpayment, notice of dishonor must be given to the drawer and each endures, and any drawer of endorser to whom such notice is not given is discharged : Provided that ( a ) if a bill is dishonored by a non-acceptance, and notice of dishonor is not given, the right of the holder in due course who became such a holder subsequent to the omission, shall not be prejudiced by the omission ; ( b ) if a bill is dishonored by a non - acceptance, and due notice of dishonor is given, it shall not be necessary to give notice of a subsequent dishonor by nonpayment, unless the bill was accepted in the meantime.\n1. Proof of the existence of an account of the actual establishment of debt account but the actual Sentient human XXXX XXXX XXXX duly signed and written out by both parties and not any unilateral agreement. This would include but not limited to the actual agreement upon which the signature page has direct reference to the entire agreement XXXX XXXX XXXX is an artificial entity, a title, of the limited liability fictitious corporation which is legal trade mark, which constitutes valuable legal interest of which all right, title and interest are reserved and of which you have filed to knotty the Caretaker and acceptance agent and supply proof of claim against the limited liability corporation.\n2. Proof of claim that You XXXX XXXX or Department Of Education are the original holder in due course, of the aforementioned original debt instrument, and that it is not being un-sold to another party.\n3. A copy of the actual accounting, original ledger whereby XXXX XXXX/ Department of Education has incurred a loss as a result of the alleged debt.\n4. An invoice ( not a Statement ), for any amount of money allegedly owed to XXXX XXXX or Department of Education XXXX XXXX XXXX for that matter has alleged.\n3 BOND XXXX 5. Proof of claim that there is any money in circulation is backed by anything of value, by which any debt including this one that lends to the possibility XXXX XXXX or Department of Education might get paid by way of actual money, and that the value of the attached is not sufficient to the discharge this debt under the following laws ; Fair debt collection practices act ( FDCPA ), 15 U.S.C 1692 et., 1978 Title VII of the Consumer Credit Protection Act of 1978.\nThe Indentured Trust Act of 1939 HJR 192, 112 Statutes at large 48, and P.L., 73.10 of 1933 The securities exchange act of 1934 The fair credit reporting act public law No. 91-508 enacted in 1970 The Bankruptcy act of 1933 12 U.S.C. 411, P.L. 97-280 U.C.C. 1-103, 1-308, 2-221, 2-104, 3-415-419, 3-500-510 The aforementioned was done at the will of The administrator, no further solicitation for contracting will be permitted. This correspondence is produced under the full reservation of any and all secured rights, and without recourse. All patients shall be presented to the Estate via prepaid debit card and or cashiers check only! If any attempt is made to provide payment in any other fashion and or form we must express that is must comply with title 12 U.S.C. 411, and 112 statute at large chapter 48.\n6. Also provide these furt\nher items if associated with this matter in any fashion and or form ... A. Federal Reserve form S3\nregistration statement, B. Federal Reserve form 424 ( b ) ( 5 ) prospectus, C. Federal Reserve for FR 2046 balance sheet ( s ), D. Federal Reserve for FR 2049 balance sheet ( s ), E. Federal Reserve form 2099 balance sheet ( s ), F. The Deed Of Trust.\nG. Chain Of Custody This is al lawful request in accords with the aforementioned and the following : U.C.C. - Article 3 - Negotiable Instruments.. Part 5. Dishonor UCC 3-501. Presentment.\nPursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.\nU.C.C. - Article 3 - Negotiable Instruments .. Part 5. Dishonor 3-501. Presentment.\nA.\nB.\nPresentment means a demeaned made by or on behalf of a person entitled to enforce an instrument ( i ) to pay the instrument made to the drawee or a party obligated to pay the instrument or, in the case of a note or accepted draft payable at a bank, to the bank =, or ( ii ) to accept a draft made to the drawee.\nThe following rules are subject to Article 4, agreement of the parties, and clearing - house rules and such the like : ( 2 ) Upon demand of the persons to whom presentment is made, the person making presentment must ( i ) exhibit the instrument, ( ii ) give reasonable identification and, if presentment is made on behalf of another person, reasonable evidence of authority to do so, and ( iii ) signed a receipt on the instrument for any payment made or surrenderer the instrument in full payment is made.\nBy refusing to supply you will be violating the law and my rights under UCC. Once Again this is not a request for a verification or proof of my mailing address, but a request for a VALIDATION made 4 BOND XXXX pursuant to the above named Title and Section ( as well as another laws both federal and local ). It is respectfully requested that your offices provide competent evidence that there is any legal obligation to pay in accords with the aforementioned laws.\nPlease provide and or furnish the following : What money your say owed is ; Explain and show how your offices calculated what allegedly is owed ; Provide a certified copy of the original signed instrument that shows agreement to pay what is owed ; Provide a verification or certification copt of any judgement of applicable ; Identify the original creditor in this matter and the contractual agreement emptying your company.\nProof that the statute of limitation has not expired on this account Show that your licensed to collect in the state of California Provide verification of your license number EIN and registration agent.\nIt comes of necessity and obligation to inform you that if your offices have reported information to any of the credit agencies such action will be construed as fraud under both Federal and State Laws. Further if any negative marks are found on any portion of the credit files associated with this matter by your company or the company that you represent it will come necessary to bring legal action against you for the following : Violation of the Fair Debt Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and may include any of the following means ; administrative reviews, SEC Hearing, Lien and or Law suit.\nIf you and your offices are able to provide the proper documentation ( originals wet signatures and or certified copies of verified documents with signatures and a copy of check payments etc, .. and such the like of all verified documents ) as requested in the forgoing Declaration, it will revive a prompt response, however at least 45 days will be needed to investigate and review the validity of the information prove and during such time all collection activity is requested cease and desist in good faith.\nFurther during this validation period, should any action be undertaken which could be construed as detrimental to any portion of the credit files related hereto, it will constitute a breach and will result in consultation with legal counsel and action thereafter. This includes any listing of any information to any credit reporting repository that could be inaccurate or invalid or verifying an account as accurate when in the there is no certified valid proof that is it so.\nIt is further requested, and you are now given notice that any alleged or old contract ( s ) adhesion and or otherwise are hereby terminated with your company. That n communication via telephonic, email or the correspondence, written correspondence, and or electronic as such shall be had between your company XXXX XXXX US Dept Of Education and a client, you are hereby commanded and ordered to cease and desist. Your or your company must communicate via written correspondence only to the following address under the following name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA [ XXXX ] and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA [ XXXX ]  BOND XXXX The aforementioned was done at the will of the administrator, no further solicitation for contracting will be permitted. This correspondence is produced under the full reservation of any and all secured rights, and without recourse. All payments shall be presented to the Estate via prepaid debit card and or money order cashiers check only if an attempt is made to provide payment in any other fashion and or form we must express that it must comply with title 12 USC 411, and 112 statue at age chapter 48.\nREF : Your correspondence purporting to allege a debt claimed by : XXXX XXXX XXXX d.b.a XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA [ XXXX ] EIN?\nBOND Loan Number XXXX Alleged Balance {$460000.00} Attn. XXXX XXXX XXXX Nominee Secretary Beneficiary XXXX XXXX, ..\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Corporate number - XXXX DissolvedXX/XX/XXXXJPMorgan Chase Bank & Co NA attn. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY [ XXXX ] XXXX XXXX XXXX XXXX Attn. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL [ XXXX ] [ XXXX ] XXXX XXXX XXXX The legal offer to fully Discharge the attached alleged claim of debt on the condition that the claiming parties comply with this notice within 10 days of receipt of this correspondence such has not happened.\nNOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS *******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Title 15 1601 et. seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq.\nThis notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt.\nThis notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : The name and address of the organization or other governmental unit alleging a debt ; 6 BOND XXXX The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; A copy of a alleged promissory note that has been forged is not verification. Both signatures from both sides are a true verification of a debt.\nThe name of the actual creditor even if that is myself ; The origin of the funds used to create this alleged claim of a debt.\nThe actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.\nThe actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.\nThe actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.\nBe advised that verification is defined ( XXXX Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.\nThe actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.\nThe actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.\nThe person that prepares and swears to the validation of debt must describe : ( 1 ) your job description on a daily basis ; ( 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; ( 3 ) how long have you been in your position ; ( 4 ) when did you first come in contact with the alleged account/debt ; ( 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; ( 6 ) are you the person/employee who regularly works with the alleged account/debt ; and ( 7 ) do you have personal knowledge about the alleged debt and/ or any alleged account.\n15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.\nPursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements 7 BOND XXXX of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.\nThis is a constructive notice that, absent the validation of your claim within 10 days, you must cease and desist any and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work.\nYou are further prohibited from contacting any other third party. Each and every attempted contact, in violation of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.\nFurther, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.\nPlease take notice that this is a criminal investigation of the business practices of the above named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws.\nYour enclosed claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 471, 472, 473 and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 Fictitious Names.\nTAKE NOTICE Debt Collectors failure in providing Respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : Debt Collector has no lawful, bona fide, verified claim, re the above-referenced alleged account : Debt Collector waives any and all claims against Respondent and Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any and all continued collection attempts, re the above-referenced alleged account.\nFailure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice is a self executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to 8 BOND XXXX direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type.\nAs requested for payment ( s ) be in the form of a money order, in keeping with the governing regulations, laws, and loan agreements, this form of payment is expectable that which in the regarding format within laws and states regulate, as mentioned in the letter XX/XX/XXXX by or from XXXX XXXX Manager - Customer Care Communications, XXXX XXXX XXXX XXXX XXXX XXXX.\nThis response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX\nDone this XX/XX/XXXX I declare under penalties of perjury in accordance with the laws of the United States of America ( without the United States ) Title 28 U.S.C. 1746 ( 1 ) the forgoing is true and correct and is admitted when not rebutted, so help me.\nXXXX XXXX XXXX ChaseXXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX-XXXX","date_sent_to_company":"2017-10-04T14:02:09.000Z","issue":"Closing on a mortgage","sub_product":"Other type of mortgage","zip_code":"93536","tags":null,"has_narrative":true,"complaint_id":"2647417","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2017-08-11T17:05:48.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Your enclosed <em>claim</em> of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit <em>securities</em> based upon the falsified records in violation of U.S.C."]},"sort":[9.980999,"2647417"]},{"_index":"complaint-public-v1","_id":"2630961","_score":9.641116,"_source":{"product":"Mortgage","complaint_what_happened":"Dear Sir/Madam, I have concluded an extensive investigation and analysis of various documents associated with my Loan and the purported transfers and assignments thereof. These documents include : the Trust Deed, Note, and relevant foreclosure documents. I have determined there was apparent fraud involved with respect to several parties involved in invalid transfers/assignments of the Deed of Trust and Note relating to the above-mentioned property address. The invalid and fraudulent conveyance of rights, title and interest created lack of authority to transfer, substitute, or convey rights, title and interest of our Client 's property rights in relation to Deed of Trust, dated XX/XX/XXXX and recorded XX/XX/XXXX. As an additional matter, I am alarmed with the manner in which I have been treated by Rushmore Loan Management Services LLC 's representatives and single point of contact XXXX XXXX. Rushmore 's representatives and Rushmore single point of contact XXXX XXXX have made blatant misrepresentations_never return call, incorrectly imposed a late fee, causing me serious damages, including the potential foreclosure of my home. Rushmore Lost Mitigation XXXX ID XXXX confirm on XX/XX/XXXX in the amount of {$15000.00} _ included {$14000.00} from the previous servicer/Trustee ( XXXX XXXX XXXX XXXX ), Corporate advance $ XXXX_included {$4300.00} again from the previous servicer ( XXXX/ XXXX XXXX XXXX XXXX ) . Attached please find the Reinstatement quote from ( XXXX XXXX XXXX XXXX XXXX ). I requested Rushmore breakdown all their Fee/Late Charge/Payment and they never did. Rushmore single point of contact ( SPOC ) XXXX XXXX is completely unprofessional. Her customer service is non existent, she 's sleeping, she does n't know what 's going on with your file. I did request a reinstatement from XX/XX/XXXX until now XXXX never send it to me. Every time my representative ( XXXX ) call and request them to send me the reinstatement quote they refer me back to the sleeping, not working SPOC XXXX XXXX, until now almost a month, they continue process foreclosure on my property but I still did not receive the reinstatement quote as I requested. This loan has been reinstated on XX/XX/XXXX. Reinstating my loan means I pay the entire amount I 'm behind ( arrears ) plus all related fees ( such as interest and late fees ) to bring my loan current. After I reinstate, my loan did appear as paid to date in the lenders records and I will resume making my original mortgage payments. That 's what I know and I was back to my regular payment until the loan transfer to Rushmore Loan Management Services LLC. I need your explaination in detail with all evidence/documents that you have the right to increase my monthly payment from {$2900.00} to {$11000.00}.\nThe above-mentioned violations subject you to sanctions and nullification of the loan and the substantial nature of this claim may exceed the policy limits on any and all insurance policies issued that cover these types of risks. There are many legal issues here ; ( 1 ) Here, there is a lack of clarity as to the identity of the real party in interest with the power to foreclose. I contend that through their own actions, none of the parties involved actually continued to hold valid standing to foreclose when the foreclosure occurred. From the recorded documents I have retrieved it appears that XXXX XXXX XXXX XXXX was the original investor as of XX/XX/XXXX ( Exhibit \" A '' ). However, the Notice of Default & Election to Sell under Deed of Trust ( Exhibit \" B '' ) states that XXXX XXXX XXXX XXXX was the Investor listed. Then onXX/XX/XXXX XXXX XXXX XXXX was apparently assigned the Deed of Trust by XXXX ( Exhibit \" C '' ). Then a Notice of Trustee Sale, dated XX/XX/XXXX and recorded XX/XX/XXXX ( Exhibit \" E '' ) was filed under the name of either XXXX XXXX XXXX XXXX, as the only reference to the investor listed was the details of the original Deed of Trust 's recording information, or the apparently newly assigned investor, XXXX XXXX XXXX. Finally, the Assignment of Deed of Trust, dated XX/XX/XXXX and recorded XX/XX/XXXX ( Exhibit \" F '' ) shows XXXX XXXX XXXX XXXX as the new assignee of the Deed of Trust, Dated XX/XX/XXXX & recorded XX/XX/XXXX. In preparation for a foreclosure my property Rushmore recorded a Corrective Assignment of Deed of Trust and Substitution of Trustee.I believe that, you whoever you are may have used interstate communications to tried to defraud are extort money from me, making a claim were no claim exists, which may be a violation under RICO and also the FDCPA.\nDEMAND FOR ALL 40 QUESTIONS TO BE ANSWERED Every question in whole or in part must be answered completely, in detail And every question in whole or part must be Notarized and Certified by the person ( s ), agent ( s ) answering these 40 questions in whole or part below.\n1 ) Please state your complete name ( s ), occupation ( s ) and mailing address ( s ). 2 ) Identify the source of the funds in the account that is the subject matter of this 3 ) Produce all original records, reports, memoranda relating to the source of funds relating to this disputed account and list all other sources of information such as computer file names, the database and locations at which related information is located and accessible. All Records, Reports must be Notarized and Certified that they are originals 4 ) Who was and is the owner/holder/ Investor of each account fromXX/XX/XXXX? The current Rushmore account is XXXX, their name and address, list those individuals having signature rights to each account, their name ( s ), title ( s ) if any and address ( s ). 5 ) Identify the account that was debited when the disputed account was created, by name, or account number, location, address. 6 ) Did the funds for the disputed account originate from another account or lending institution? Name of account or lending institutions name and address 7 ) List the names and addresses of all lending institutions from which the alleged funds were purported. 8 ) Please identify the account number from which the funds originated in order to create the disputed account, location, address. 9 ) Admit that no other account was debited when the disputed account was created must be notarized and certified 10 ) If you denied that no other account was debited when the disputed account was opened or created, please identify the account that was debited by the account number and the name or names of the debited accounts signer, holder and/or owner, and explain in detail how the funds for this account were originated, must be notarized and certified. 11 ) If you denied that no other account was debited when this disputed account was opened or created, state the total balance of this debited at the time the debit was made and, list the names, occupations and addresses of the signers and holders on the account and the date that the account was opened along with the opening balance. 12 ) Please produce all original documents and information, related in any way to your implication or allegation that a loan was given to me, notarized and certified. 13 ) Which employee of the bank authorized the transaction? name and title 14 ) If any loan origination system, software or other procedures were used in the opening of the disputed account, please identify the system by name, its address and describe in detail how it operates.\n15 ) According to the alleged loan agreement, was the purported lender or financial institution involved in the alleged loan to use their money as adequate consideration to the promissory note from the alleged borrower? YES or NO. 16 ) According to the alleged loan agreement, was the purported lender or financial institution involved in the alleged loan to accept anything of value from the alleged borrower that would be used to fund a check or similar instrument in approximately the amount of the alleged loan? YES or NO. 17 ) According to the accounting/ bookkeeping entries, did the purported lender or financial institution involved in the alleged loan to accept anything of value from the alleged borrower that would be used to fund a check or similar instrument in approximately the amount of the alleged loan? YES or NO. 18 ) Was the intent of the purported loan agreement that the party that funded the loan should be repaid the money lent? YES or NO. 19 ) Did the purported lender involved in the alleged loan follow Generally Accepted Accounting Principles, GAAP? YES or NO. 20 ) Were all material facts disclosed in the witted agreement? YES or NO. 21 ) What is the name and address of any bank auditor or certified public accountant involved with or having any relation to the accounting function regarding this disputed account? 22 ) Identify the name and address of the records or accounting records or ledgers reflecting the transaction for the disputed account. 23 ) Were any other loan numbers assigned to the disputed account? 24 ) If you answered yes to the above question, please list those account numbers with date of assignment, must be notarized and certified. 25 ) Explain in exact detail how each account was created or originated. 26 ) Explain in detail how the funds for each account were deposited and where they originated, must be notarized and certified. 27 ) Was an account created with the purported loan amount then debited account? 28 ) Please explain your answer in exact detail to the above question # 27. 29 ) Please produce all records and tangible evidence relating to the questions herein and send them along with your response, must be by certified mail. 30 ) Are you or any of your agents, agencies bonded for your actions? 31 ) If so please send NOTARIZED, CERTIFIED COPY OF YOUR, THEIR BOND 32 ) Have your or any of your agencies ever taken an Oath? Notarized, Certified 33 ) If so please attach NOTARIZED, CERTIFIED COPY OF YOUR, THEIR OATH 34 ) Do you or any of your agents, agencies have Qualifications for your, their position? 35 ) If so please attach NOTARIZED, CERTIFIED COPY OF ALL QUALIFICATIONS 36 ) Was this alleged debt ever written off, charged off, charged against, on taxes or other lending institutions, credit reporting agencies, etc?, IF YES, Then list the names and addresses of all involved or related to this alleged debt, each must be notarized and certified. 37a ) Please identify what type of money supply was used for the extension of credit, loan supplied by Rushmore Loan Management Services LLC c/o XXXX, XXXX XXXX XXXX, XXXX And /also what was the type of money supplied ( M1 ), ( M2 ) or ( M3 ) type money in this alleged account? Must be Notarized and Certified. 37 ) Please identify if the security on this alleged account is a type I, type II, type III, type IV, or type V securities. Must be Notarized and Certified. 38 ) Please identify if at any time the security on this alleged account was converted into any stock option, IF YES, NAME OF STOCK, Must be Notarized and Certified. 39 ) Please provide a currency trace as it applies to the alleged loan or extension of credit. Each and every part of the trace must be Notarized and Certified by the person ( s ) Verifying the accuracy of the trace.\n40 ) Please provide any an\nd all documentation filed with the FDIC, SEC, OCC, and the Federal Reserve and any other regulating agency on Rushmore Loan Management Services LLC c/o XXXX, XXXX XXXX XXXX, XXXX","date_sent_to_company":"2017-08-16T13:47:19.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"95148","tags":null,"has_narrative":true,"complaint_id":"2630961","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RUSHMORE LOAN MANAGEMENT SERVICES LLC","date_received":"2017-08-16T11:48:28.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Must be Notarized and Certified. 37 ) Please identify if the <em>security</em> on this alleged account is a type I, type II, type III, type IV, or type V <em>securities</em>. Must be Notarized and Certified. 38 ) Please identify if at any time the <em>security</em> on this alleged account was converted into any stock option, IF YES, NAME OF STOCK, Must be Notarized and Certified. 39 ) Please provide a currency trace as it applies to the alleged loan or extension of credit."]},"sort":[9.641116,"2630961"]},{"_index":"complaint-public-v1","_id":"2630886","_score":9.632549,"_source":{"product":"Mortgage","complaint_what_happened":"Dear Sir/Madam, I have concluded an extensive investigation and analysis of various documents associated with my Loan and the purported transfers and assignments thereof. These documents include : the Trust Deed, Note, and relevant foreclosure documents. I have determined there was apparent fraud involved with respect to several parties involved in invalid transfers/assignments of the Deed of Trust and Note relating to the above-mentioned property address. The invalid and fraudulent conveyance of rights, title and interest created lack of authority to transfer, substitute, or convey rights, title and interest of our Client 's property rights in relation to Deed of Trust, dated XX/XX/XXXX and recorded XX/XX/XXXX. As an additional matter, I am alarmed with the manner in which I have been treated by XXXX XXXX XXXX XXXX XXXX 's representatives and single point of contact XXXX XXXX. XXXX 's representatives and XXXX single point of contact XXXX XXXX have made blatant misrepresentations_never return call, incorrectly imposed a late fee, causing me serious damages, including the potential foreclosure of my home. XXXX Lost Mitigation XXXX ID XXXX confirm on XX/XX/XXXX in the amount of {$15000.00} _ included {$14000.00} from the previous servicer/Trustee ( XXXX XXXX XXXX XXXX ), Corporate advance $ XXXX_included {$4300.00} again from the previous servicer ( XXXX/ XXXX XXXX XXXX XXXX ) . Attached please find the Reinstatement quote from ( XXXX XXXX XXXX XXXX XXXX ). I requested XXXX breakdown all their Fee/Late Charge/Payment and they never did. XXXX single point of contact ( SPOC ) XXXX XXXX is completely unprofessional. Her customer service is non existent, she 's sleeping, she does n't know what 's going on with your file. I did request a reinstatement from XX/XX/XXXX until now XXXX never send it to me. Every time my representative ( XXXX ) call and request them to send me the reinstatement quote they refer me back to the sleeping, not working SPOC XXXX XXXX, until now almost a month, they continue process foreclosure on my property but I still did not receive the reinstatement quote as I requested. This loan has been reinstated on XX/XX/XXXX. Reinstating my loan means I pay the entire amount I 'm behind ( arrears ) plus all related fees ( such as interest and late fees ) to bring my loan current. After I reinstate, my loan did appear as paid to date in the lenders records and I will resume making my original mortgage payments. That 's what I know and I was back to my regular payment until the loan transfer to XXXX XXXX XXXX XXXX XXXX. I need your explaination in detail with all evidence/documents that you have the right to increase my monthly payment from {$2900.00} to {$11000.00}. The above-mentioned violations subject you to sanctions and nullification of the loan and the substantial nature of this claim may exceed the policy limits on any and all insurance policies issued that cover these types of risks. There are many legal issues here ; ( 1 ) Here, there is a lack of clarity as to the identity of the real party in interest with the power to foreclose. I contend that through their own actions, none of the parties involved actually continued to hold valid standing to foreclose when the foreclosure occurred. From the recorded documents I have retrieved it appears that XXXX XXXX XXXX XXXX was the original investor as of XX/XX/XXXX ( Exhibit \" A '' ). However, the Notice XXXX XXXX XXXX XXXX to Sell under Deed of Trust ( Exhibit \" B '' ) states that XXXX XXXX XXXX XXXX was the Investor listed. Then on XX/XX/XXXX XXXX XXXX XXXX was apparently assigned the Deed of Trust by XXXX ( Exhibit \" C '' ). Then a Notice of Trustee Sale, dated XX/XX/XXXX and recorded XX/XX/XXXX ( Exhibit \" E '' ) was filed under the name of either XXXX XXXX XXXX XXXX, as the only reference to the investor listed was the details of the original Deed of Trust 's recording information, or the apparently newly assigned investor, XXXX XXXX XXXX. Finally, the Assignment of Deed of Trust, dated XX/XX/XXXX and recorded XX/XX/XXXX( Exhibit \" F '' ) shows XXXX XXXX XXXX XXXX as the new assignee of the Deed of Trust, DatedXX/XX/XXXX & recorded XX/XX/XXXX. In preparation for a foreclosure my property XXXX recorded a Corrective Assignment of Deed of Trust and Substitution of Trustee.I believe that, you whoever you are may have used interstate communications to tried to defraud are extort money from me, making a claim were no claim exists, which may be a violation under RICO and also the FDCPA. DEMAND FOR ALL 40 QUESTIONS TO BE ANSWERED Every question in whole or in part must be answered completely, in detail And every question in whole or part must be Notarized and Certified by the person ( s ), agent ( s ) answering these 40 questions in whole or part below. 1 ) Please state your complete name ( s ), occupation ( s ) and mailing address ( s ). 2 ) Identify the source of the funds in the account that is the subject matter of this 3 ) Produce all original records, reports, memoranda relating to the source of funds relating to this disputed account and list all other sources of information such as computer file names, the database and locations at which related information is located and accessible. All Records, Reports must be Notarized and Certified that they are originals 4 ) Who was and is the owner/holder/ Investor of each account from XX/XX/XXXX? The current XXXX account is XXXX, their name and address, list those individuals having signature rights to each account, their name ( s ), title ( s ) if any and address ( s ). 5 ) Identify the account that was debited when the disputed account was created, by name, or account number, location, address. 6 ) Did the funds for the disputed account originate from another account or lending institution? Name of account or lending institutions name and address 7 ) List the names and addresses of all lending institutions from which the alleged funds were purported. 8 ) Please identify the account number from which the funds originated in order to create the disputed account, location, address. 9 ) Admit that no other account was debited when the disputed account was created must be notarized and certified 10 ) If you denied that no other account was debited when the disputed account was opened or created, please identify the account that was debited by the account number and the name or names of the debited accounts signer, holder and/or owner, and explain in detail how the funds for this account were originated, must be notarized and certified. 11 ) If you denied that no other account was debited when this disputed account was opened or created, state the total balance of this debited at the time the debit was made and, list the names, occupations and addresses of the signers and holders on the account and the date that the account was opened along with the opening balance. 12 ) Please produce all original documents and information, related in any way to your implication or allegation that a loan was given to me, notarized and certified. 13 ) Which employee of the bank authorized the transaction? name and title 14 ) If any loan origination system, software or other procedures were used in the opening of the disputed account, please identify the system by name, its address and describe in detail how it operates. 15 ) According to the alleged loan agreement, was the purported lender or financial institution involved in the alleged loan to use their money as adequate consideration to the promissory note from the alleged borrower? YES or NO. 16 ) According to the alleged loan agreement, was the purported lender or financial institution involved in the alleged loan to accept anything of value from the alleged borrower that would be used to fund a check or similar instrument in approximately the amount of the alleged loan? YES or NO. 17 ) According to the accounting/ bookkeeping entries, did the purported lender or financial institution involved in the alleged loan to accept anything of value from the alleged borrower that would be used to fund a check or similar instrument in approximately the amount of the alleged loan? YES or NO. 18 ) Was the intent of the purported loan agreement that the party that funded the loan should be repaid the money lent? YES or NO. 19 ) Did the purported lender involved in the alleged loan follow Generally Accepted Accounting Principles, GAAP? YES or NO. 20 ) Were all material facts disclosed in the witted agreement? YES or NO. 21 ) What is the name and address of any bank auditor or certified public accountant involved with or having any relation to the accounting function regarding this disputed account? 22 ) Identify the name and address of the records or accounting records or ledgers reflecting the transaction for the disputed account. 23 ) Were any other loan numbers assigned to the disputed account? 24 ) If you answered yes to the above question, please list those account numbers with date of assignment, must be notarized and certified. 25 ) Explain in exact detail how each account was created or originated. 26 ) Explain in detail how the funds for each account were deposited and where they originated, must be notarized and certified. 27 ) Was an account created with the purported loan amount then debited account? 28 ) Please explain your answer in exact detail to the above question # 27. 29 ) Please produce all records and tangible evidence relating to the questions herein and send them along with your response, must be by certified mail. 30 ) Are you or any of your agents, agencies bonded for your actions? 31 ) If so please send NOTARIZED, CERTIFIED COPY OF YOUR, THEIR BOND 32 ) Have your or any of your agencies ever taken an Oath? Notarized, Certified 33 ) If so please attach NOTARIZED, CERTIFIED COPY OF YOUR, THEIR OATH 34 ) Do you or any of your agents, agencies have Qualifications for your, their position? 35 ) If so please attach NOTARIZED, CERTIFIED COPY OF ALL QUALIFICATIONS 36 ) Was this alleged debt ever written off, charged off, charged against, on taxes or other lending institutions, credit reporting agencies, etc?, IF YES, Then list the names and addresses of all involved or related to this alleged debt, each must be notarized and certified. 37a ) Please identify what type of money supply was used for the extension of credit, loan supplied by XXXX XXXX XXXX XXXX XXXX c/o XXXX, XXXX XXXX XXXX, XXXX And /also what was the type of money supplied ( M1 ), ( M2 ) or ( M3 ) type money in this alleged account? Must be Notarized and Certified. 37 ) Please identify if the security on this alleged account is a type I, type II, type III, type IV, or type V securities. Must be Notarized and Certified. 38 ) Please identify if at any time the security on this alleged account was converted into any stock option, IF YES, NAME OF STOCK, Must be Notarized and Certified. 39 ) Please provide a currency trace as it applies to the alleged loan or extension of credit. Each and every part of the trace must be Notarized and Certified by the person ( s ) Verifying the accuracy of the trace. 40 ) Please provide any and all documentation filed with the FDIC, SEC, OCC, and the Federal Reserve and any other regulating agency on XXXX XXXX XXXX XXXX XXXX c/o XXXX, XXXX XXXX XXXX, XXXX","date_sent_to_company":"2017-08-16T14:12:53.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"95148","tags":null,"has_narrative":true,"complaint_id":"2630886","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Law Offices of Les Zieve","date_received":"2017-08-16T14:04:05.000Z","state":"CA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Must be Notarized and Certified. 37 ) Please identify if the <em>security</em> on this alleged account is a type I, type II, type III, type IV, or type V <em>securities</em>. Must be Notarized and Certified. 38 ) Please identify if at any time the <em>security</em> on this alleged account was converted into any stock option, IF YES, NAME OF STOCK, Must be Notarized and Certified. 39 ) Please provide a currency trace as it applies to the alleged loan or extension of credit."]},"sort":[9.632549,"2630886"]},{"_index":"complaint-public-v1","_id":"19541138","_score":9.595062,"_source":{"product":"Debt collection","complaint_what_happened":"AFFIDAVIT OF DISPUTE, FORMAL NOTICE OF IDENTITY THEFT, DEMAND FOR IMMEDIATE DELETION, DEBT VALIDATION & FAILURE TO INVESTIGATE Consumer : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX DISPUTED ACCOUNTS Collection Account : Sequium Asset Solutions, L ( Original Creditor : XXXX ) Account Number : XXXX XXXX Balance : {$340.00} Child Support Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( Paid/Satisfied ) I. IDENTITY THEFT & XXXX  DATA BREACH FCRA XXXX05B I am formally disputing inaccurate and fraudulent information appearing on my consumer credit report. My personal identifying information was exposed in the XXXX  data breach, which included my name, Social Security number, date of birth, and address.\n\nAs a direct and foreseeable result of this breach, accounts that I never opened, authorized, or consented to have appeared on my credit report. I am a verified victim of identity theft, and these accounts are not mine. \nPursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ), identity-theft-related information must be blocked and deleted immediately once notice is received. Continued reporting after notice constitutes willful non-compliance.\n\nII. FRAUDULENT COLLECTION ACCOUNT SEQUIUM ASSET SOLUTIONS, L I am disputing a fraudulent collection account currently being reported by Sequium Asset SolutionsXXXX XXXX originally associated with XXXX , which has been sold from one debt collector to another without my consent or authorization.\n\nThe original debt collector previously deleted this account, establishing that the debt was fraudulent and unverifiable.\n\nDespite this, the same alleged debt has been resold and re-reported, which is outrageous, abusive, and unlawful.\n\nI never consented to the use of my personal information, never entered into any contract, and never authorized any creditor or debt collector to collect on this alleged account.\n\nThis repeated resale of the same unverified debt is materially harming my creditworthiness and violates federal consumer protection laws.\n\nIII. DEBT VALIDATION DEMAND FDCPA 1692g Pursuant to 15 U.S.C. 1692g, I am formally demanding full debt validation. You are required to provide the following : A complete, itemized payment history from account origination The original contract or application bearing my legal wet signature Proof I agreed to and authorized this alleged debt Disclosure of any insurance claim, bond claim, or tax write-off filed The complete chain of title, including all assignments, transfers, and proof of lawful custody granting authority to collect Absent this documentation, the alleged debt is unenforceable and must be deleted immediately.\n\nIV. VIOLATIONS OF LAW COLLECTION ACCOUNT 15 U.S.C. 1692g Failure to provide proper debt validation 15 U.S.C. 1692c ( c ) Continued collection activity without validation 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( FCRA 611 ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681c-2 ( FCRA 605B ) Failure to block identity-theft information V. CHILD SUPPORT REPORTING UNLAWFUL & UNVERIFIABLE I am also disputing the reporting of child support by the Florida Department of Revenue , despite the obligation being paid and satisfied and having a XXXX balance. \nUnder 15 U.S.C. 1681b and 15 U.S.C. 1681s-1, consumer reporting agencies may only report information with a permissible purpose and after ensuring lawful accuracy.\n\nChild support obligations are not consumer debts and are not governed by FDCPA standards, and case law makes clear that credit reporting agencies must ensure strict compliance before reporting such information.\n\nIf this item was verified, that would imply a lawful investigation was conducted. However, reporting child support at all demonstrates that no proper investigation occurred, constituting a direct violation of 15 U.S.C. 1681i ( FCRA 611 ).\n\nVI. FAILURE TO INVESTIGATE & LEGAL CONCLUSIONS Reporting fraudulent collection accounts and non-reportable child support data demonstrates : Failure to investigate before reporting Failure to reinvestigate after dispute Reliance on unverified third-party data Willful disregard for consumer protections Courts have held that consumer reporting agencies may not rely blindly on furnishers and must conduct independent, reasonable investigations ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ). \nUnder UCC principles of lawful assignment and custody, a party must prove standing, ownership, and authority before enforcing any alleged obligation.\n\nVII. DEMAND FOR RELIEF I am demanding the following : 1. Immediate deletion of the fraudulent collection account reported by Sequium Asset Solutions, L 2. Immediate deletion of the child support account reported by the Florida Department of Revenue 3. Written confirmation of deletions 4. Assurance that these items will not be reinserted Failure to comply will result in CFPB complaints, state enforcement actions, and civil liability under 15 U.S.C. 1681n and 1681o.\n\nCERTIFICATION I certify under penalty of perjury that the information stated herein is true and correct to the best of my knowledge.","date_sent_to_company":"2026-02-16T23:05:02.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"34744","tags":null,"has_narrative":true,"complaint_id":"19541138","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Sequium Asset Solutions, LLC","date_received":"2026-02-16T23:00:59.000Z","state":"FL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["You are required to provide the following : A complete, itemized payment history from account <em>origination</em> The original contract or application bearing my legal wet signature Proof I agreed to and authorized this alleged debt Disclosure of any insurance <em>claim</em>, <em>bond</em> <em>claim</em>, or tax write-off filed The complete chain of title, including all assignments, transfers, and proof of lawful custody granting authority to collect Absent this documentation, the alleged debt is unenforceable and must be deleted"]},"sort":[9.595062,"19541138"]},{"_index":"complaint-public-v1","_id":"8059398","_score":9.311472,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX I endorsed my coupon and sent it in to them. Two weeks later after they received it my account was closed and restricted. This complaint arises from Capital One breach of contract, unjust enrichment, and violation of the Uniform Commercial Code ( U.C.C. ) in relation to a negotiable instrument, specifically a coupon note, which I issued but subsequently refused to honor. I entered into a financial agreement with [ Capital One ]. As part of this agreement, they issued to me a Bond Statement and a coupon note. These are recognized as negotiable instruments under U.C.C. Article 3. Blacks Law Dictionary 6th edition defines : Coupon notes- Promissory notes with coupons attached, the coupons being notes for interest written at the bottom of the principal note. Coupons- They are written contracts for the payment of a definite sum of money. They are deemed negotiable and distinct promises. This is supported by Thompson V. Perrine, 106 U.S. 589, 1 S.Ct. 564, 27 L.Ed. 298. Relying on this established interpretation and precedent, I sought to enforce this coupon note through endorsement and transfer in good faith, as stipulated in U.C.C. 3-301. If such a promise to pay is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in U.C.C., the debt is either considered satisfied or entirely nullified.capital One refusal to honor this note, despite my actions in alignment with the U.C.C., amounts to a full discharge of the debt as per U.C.C. 3-603. It falls upon Capital One to demonstrate that the issued coupon note does not fulfill the criteria established in the U.C.C. By not acknowledging my rightful claim, I unjustly benefits from the security of the landed estate, which has been trustfully placed into the XXXX XXXX XXXX XXXX. UCC-1 Filed by The Federal Reserve even says that all bills are prepaid.\n\nAlso, they are commiting Securities and Tax Fraud. In the report it states that in Funding section \" Our primary source of funding comes from retail deposits, as they are a relatively stable and lower cost source of funding. In addition to deposits, we raise funding through the issuance of senior and subordinated notes and securitized debt obligations, federal funds purchased, securities loaned or sold under agreements to repurchase and FHLB advances secured by certain portions of our loan and securities portfolios. A key objective in our use of these markets is to maintain access to a diversified mix of wholesale funding sources. See Consolidated Balance Sheets AnalysisFunding Sources Composition for additional information on our primary sources of funding. '' What are securitized debt obligations? Securitized debt instruments are financial securities that are created by securitizing individual loans ( debt ). Securitization is a financial process that involves issuing securities that are backed by a number of assets, most commonly debt. The assets are transformed into securities, and the process is called securitization. The owner of the securities receives an income from the underlying assets ; hence, the term asset-backed securities. \n\nThe Process of Securitization Securitization is a complex process that includes pooling a large number of loans and transferring the resulting payments to the security holders. The process begins with the entity that holds the assets, the originator, selling the assets to a legal entity, the special purpose vehicle ( SPV ). Depending on the situation, the SPV issues the bonds directly or pays the originator the balance on the debt that is sold, which increases the liquidity of the assets. \nThe debt is then divided into bonds, which are sold on the open market. The bonds represent different amounts of risks that correspond to different yields for the bondholder. In the case of a mortgage-backed security, if the owner defaults, the house would be foreclosed and result in some recovery of the loaned funds. The action of going after the assets when someone defaults on the loan is the reason why the securities are called securitized. \nExamples : 1. Mortgage-backed Securities ( MBS ) Mortgage-backed securities ( MBS ) are bonds that are secured by homes or real estate loans. They are created when a large number of such loans are pooled together ( they could be as large as {$10.00} million ), and then the pool is sold to a government agency like XXXX XXXX, XXXX XXXX, or to a securities firm who will use it as collateral for another mortgage-backed security. \n2. Asset-backed Securities ( ABS ) Asset-backed securities ( ABS ) are bonds that are created from consumer debt. When consumers borrow money from the bank to fund a new car, student loan or credit cards, the loans become assets in the books of the entity ( usually a bank ) that is offering them this credit. The assets are then sold to a trust whose sole purpose is to issue bonds that are backed by such securities. The payments made on the loan flow through the trust to the investors who invest in these asset-backed securities. \nWhat this means is that my credit card was securitized and pledged. You have been pledging ( giving security on a loan ) credit loans to the Federal Reserve Bank as collateral, meaning you didn't disclose that my signature and credit application was being used to borrow money from a third party. This goes against the meaning of a contract. One essential element of contract is Certainty and Consideration and I was never made aware of this. To be enforceable, a contract must include certain terms, and the ability to fulfill the essential terms of an agreement must be guaranteed. These terms must be clear and unambiguous. There are two essential terms in any agreement : the first one is consideration or price to a bargain ( something of value given in exchange for something else of value. They didn't put up anything of value at all. consideration-https XXXX XXXX Consideration is a promise, performance, or forbearance bargained by a promisor in exchange for their promise. Consideration is the main element of a contract. Without consideration by both parties, a contract can not be enforceable. For instance, if a person used the money to purchase an apple, the apple is the merchants consideration, and the money is the persons consideration. Capital One didn't put up any consideration. contract-https : //www.law.cornell.edu/wex/contract A contract is an agreement between parties, creating mutual obligations that are enforceable by law. The basic elements required for the agreement to be a legally enforceable contract are : mutual assent, expressed by a valid offer and acceptance ; adequate consideration ; capacity ; and legality. In some states, elements of consideration can be satisfied by a valid substitute. Possible remedies for breach of contract include general damages, consequential damages, reliance damages, and specific performance. Background : Contracts are promises that the law will enforce. Contract law is generally governed by state common law, and while general overall contract law is common throughout the country, some specific court interpretations of a particular element of the contract may vary between the states. If a promise is breached, the law provides remedies to the harmed party, often in the form of monetary damages, or in limited circumstances, in the form of specific performance of the promise made. Elements -- Consideration and Mutual Assent Contracts arise when a duty comes into existence, because of a promise made by XXXX of the parties. To be legally binding as a contract, a promise must be exchanged for adequate consideration. The alleged contract with Capital One is null and void. It was never a lawful contract from the start. They are in breach of written agreements, use false and misleading advertisements, act without written permission, authorization, and without the alleged borrowers knowledge to transfer actual cash value from the alleged borrower to Federal Reserve XXXX XXXX investor and return it as a loan. In their GAAP ( account system ) it shows that the actual cash value shows up like a loan from the borrower to the bank or as a deposit which it is not taxable. So they are committing fraud, tax fraud to be exact and the IRS will be knowing about this. Now they are asking me to pay you the principal plus interest when they didn't put up anything at all which is a violation of a contract. My alleged credit cards that I have been paying on monthly was paid off soon as they cashed it in with the Federal Reserve Bank. Case law that supports this is https : XXXX XXXX XXXX, XXXX A., Plaintiff, v. XXXX XXXX and XXXX XXXX, XXXX and severally, Case No. XXXX Defendants. \n\nOther sections to note in their annual SEC Filing is : Short-Term Borrowings and Long-Term Debt We access the capital markets to meet our funding needs through the issuance of senior and subordinated notes, securitized debt obligations and federal funds purchased and securities loaned or sold under agreements to repurchase. In addition, we have access to short-term and long-term FHLB advances secured by certain investment securities.\n\nAlso Borrowing Capacity section : We maintain a shelf registration with the U.S. Securities and Exchange Commission ( SEC ) so that we may periodically offer and sell an indeterminate aggregate amount of senior or subordinated debt securities, preferred stock, depositary shares, common stock, purchase contracts, warrants and units. There is no limit under this shelf registration to the amount or number of such securities that we may offer and sell, subject to market conditions. In addition, we also maintain a shelf registration associated with our credit card securitization trust that allows us to periodically offer and sell up to {$30.00} XXXX  of securitized debt obligations and a shelf registration associated with our auto loan securitization trusts that allows us to periodically offer and sell up to {$25.00} XXXX  of securitized debt obligations. The registered amounts under these shelf registration statements are subject to continuing review and change in the future, including as part of the routine renewal process.\n\nIn addition to our issuance capacity under the shelf registration statements, we also have pledged collateral to support our access to FHLB advances, the Federal Reserve Discount Window, the Bank Term Funding Program ( BTFP ) and the Fixed Income Clearing Corporation - Government Securities Division ( FICCGSD ) general collateral financing repurchase agreement service. For each of these programs, the ability to borrow utilizing these sources is dependent on meeting the respective membership requirements. Our borrowing capacity in each program is a function of the collateral the Bank has posted with each counterparty, including any respective haircuts applied to that collateral. \nAs of XX/XX/XXXX, we pledged both loans and securities to the FHLB to secure a maximum borrowing capacity of {$31.00} XXXX, of which {$50.00} XXXX was used. Our FHLB membership is supported by our investment in FHLB stock of {$18.00} XXXX and {$15.00} XXXX as of XX/XX/XXXX and XX/XX/XXXX, respectively. \nAs a member of XXXX, we have {$15.00} XXXX of readily available borrowing capacity secured by securities from our investment portfolio as of XX/XX/XXXX. Our FICCGSD membership is supported by our investment in Depository Trust and Clearing Corporation ( DTCC ) common stock of {$370.00} XXXX as of both XX/XX/XXXX and XX/XX/XXXX. \nAs of XX/XX/XXXX, we pledged loans to secure a borrowing capacity of {$40.00} XXXX under the Federal Reserve Discount Window. Additionally, we pledged securities to secure a borrowing capacity of {$9.00} XXXX under the BTFP. Our membership with the Federal Reserve is supported by our investment in Federal Reserve stock, which totaled {$1.00} XXXX as of both XX/XX/XXXX and XX/XX/XXXX Also Liquidity Risk Section : We have established liquidity practices that are intended to ensure that we have sufficient asset-based liquidity to cover our funding requirements and maintain adequate reserves to withstand the potential impact of deposit attrition or diminished liquidity in the funding markets. In addition to our cash and cash equivalents, we maintain liquidity reserves in the form of investment securities and certain loans that are either readily-marketable or pledgeable. Our liquidity reserves increased by {$11.00} XXXX to {$110.00} XXXX as of XX/XX/XXXX from XX/XX/XXXX, primarily due to increases in cash and cash equivalents. In addition to these liquidity reserves, we maintain access to a diversified mix of funding sources as discussed in the Borrowing Capacity and Funding sections below. See Part IIItem 7. MD & ARisk Management in our XXXX Form XXXX for additional information on our management of liquidity risk. \n\nAlso, Securities Pledged and Received section : We pledged investment securities totaling {$44.00} XXXX and {$21.00} XXXX as of XX/XX/XXXX and XX/XX/XXXX, respectively. These securities are primarily pledged to support our access to Federal Home Loan Banks ( FHLB ) advances, the Bank Term Funding Program ( BTFP ) and Public Fund Deposits, as well as for other purposes as required or permitted by law. We accepted pledges of securities with a fair value of approximately {$72.00} XXXX and {$82.00} XXXX as of XX/XX/XXXX and XX/XX/XXXX, respectively, related to our derivative transactions. \n\nAlso, Loans Pledged section : We pledged loan collateral of {$7.00} XXXX and {$9.00} XXXX to secure a portion of our FHLB borrowing capacity of {$31.00} XXXX and {$19.00} XXXX as of XX/XX/XXXX and XX/XX/XXXX, respectively. We also pledged loan collateral of {$69.00} XXXX and {$34.00} XXXX to secure our Federal Reserve XXXX XXXX borrowing capacity of {$40.00} XXXX and {$19.00} XXXX as of XX/XX/XXXX and XX/XX/XXXX, respectively. In addition to loans pledged, we have securitized a portion of our credit card and auto loan portfolios. See Note XXXX Interest Entities and Securitizations for additional information. \n\nAlso, Securitization-Related XXXX  section '' In a securitization transaction, assets are transferred to a trust, which generally meets the definition of a XXXX. We engage in securitization activities as an issuer and an investor. Our primary securitization issuance activity includes credit card and auto securitizations, conducted through securitization trusts which we consolidate. Our continuing involvement in these securitization transactions mainly consists of acting as the primary servicer and holding certain retained interests. \nIn our multifamily agency business, we originate multifamily commercial real estate loans and transfer them to government-sponsored enterprises ( GSEs ) who may, in turn, securitize them. We retain the related mortgage servicing rights ( MSRs ) and service the transferred loans pursuant to the guidelines set forth by the GSEs. As an investor, we hold primarily RMBS, CMBS, and ABS in our investment securities portfolio, which represent variable interests in the respective securitization trusts from which those securities were issued. We do not consolidate the securitization trusts employed in these transactions as we do not have the power to direct the activities that most significantly impact the economic performance of these securitization trusts. We exclude these VIEs from the tables within this note because we do not consider our continuing involvement with these VIEs to be significant as we either solely invest in securities issued by the XXXX and were not involved in the design of the XXXX or no transfers have occurred between the XXXX and ourselves. Our maximum exposure to loss as a result of our involvement with these VIEs is the carrying value of the MSRs and investment securities on our consolidated balance sheets as well as our contractual obligations under loss sharing arrangements. See Note XXXX, Contingencies, Guarantees and Others for information about the loss sharing agreements, Note XXXX and Other Intangible Assets for information related to our MSRs associated with these securitizations and Note XXXX Securities for more information on the securities held in our investment securities portfolio. In addition, where we have certain lending arrangements in the normal course of business with entities that could be VIEs, we have also excluded these VIEs from the tables presented in this note. See Note XXXX for additional information regarding our lending arrangements in the normal course of business. \nAlso, Credit Card Securitizations section : We securitize a portion of our credit card loans which provides a source of funding for us. Credit card securitizations involve the transfer of credit card receivables to securitization trusts. These trusts then issue debt securities collateralized by the transferred receivables to third-party investors. We hold certain retained interests in our credit card securitizations and continue to service the receivables in these trusts. We consolidate these trusts because we are deemed to be the primary beneficiary as we have the power to direct the activities that most significantly impact the economic performance of the trusts, and the right to receive benefits or the obligation to absorb losses that could potentially be significant to the trusts. \n\n\nThis is detailed on how they are committing fraud.","date_sent_to_company":"2023-12-27T01:11:30.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"31763","tags":null,"has_narrative":true,"complaint_id":"8059398","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-12-27T00:44:57.000Z","state":"GA","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["The Process of Securitization Securitization is a complex process that includes pooling a large number of loans and transferring the resulting payments to the <em>security</em> holders. The process begins with the entity that holds the assets, the <em>originator</em>, selling the assets to a legal entity, the special purpose vehicle ( SPV ). Depending on the situation, the SPV issues the bonds directly or pays the <em>originator</em> the balance on the debt that is sold, which increases the liquidity of the assets."]},"sort":[9.311472,"8059398"]},{"_index":"complaint-public-v1","_id":"3774600","_score":9.308791,"_source":{"product":"Debt collection","complaint_what_happened":"Dear CFPB, Please find my complaint against PennyMac Loan Servicing LLC ( PennyMac ) a fictitious Servicer ; XXXX XXXX XXXX XXXX XXXX ( another self-proclaimed Servicer ) XXXX XXXX XXXX ( an actual Lender who pass money to XXXX XXXX XXXX XXXX from their table funding pool ) and XXXX XXXX, XXXX. ( former Lenders Processing Services/XXXX  ) the actual Servicer who pass money to borrowers for the closing acting under glimpse of fictitious Lenders like XXXX XXXX XXXX XXXX who never funded or sold any loans. \n\nI many times contacted PennyMac to obtain a very basic information the name of the Seller who sold my loan to PennyMac ; proof of payment of value for my debt as required by UCC Art. 9-203 and MI Conveyance of Real Property Sec. 565 ; the name of the Trust which holds my loan ( XXXX XXXX has no records of XXXX XXXX Pooled Security XXXX, see attached ). \nPennyMacs representative XXXX XXXX lies relentlessly while fail to respond any of my my direct questions, particularly who is the Seller. Every respond is an absurd and contracting with each other lie. Because here are no Seller who can sell my loan to PennyMac.  They merely stole my information from XXXX XXXX XXXX XXXX where is was codified as defaulted loan to use it for its own illegite scheme with default debt securities ( the same junk as XXXX ) Any sale requires the Seller who has a right to sell a merchandise ( here- my loan ) and a Buyer who paid value for this merchandise ( here : self-proclaimed owner/investor/purchaser of my loan PennyMac. ) But under Stockbrokers Ponzi Scheme nobody sells any loans because the banks have been securitizing data about loans ( aka Identity theft ) not debt. It is a handful of bankers who are lying to us about securitization. There is a factual and legal difference between securitization of loans and securitization of information about loans. \n\nXXXX XXXX has been fraudulently presenting securitization of data as though they were securitizing loans and debts. That never happened, which is why all of the documents from XXXX transactions are false, fabricated, forged and backdated. \n\nIf they had securitized my loan, the language included in the note and mortgage would be sufficient, to wit : I would have consented to the resale of my loan and that the successor who purchased it would have the same rights to administer, collect and enforce as the original lender. That is what I signed up for. \n\nBut they didnt securitize my loan or anyone else loan because from their end there was no loan. From their end they made sure I received money and that money was used an incentive to issue the note and mortgage which incentive I have to return with interest to the Stockbroker who instantly made 3-4 times of profits selling data about my debt in all possible forms including defaulted debt- and placed bids against the same loans while cover it with insurance contracts. \n\nBut nobody purchased any notes and mortgages. In my situation nobody ever purchased it even at origination. Although they told me the name of a party who was defined as XXXX XXXX XXXX , XXXX - that party had no money, no access to money nor any right to any money flowing into or out of my transaction. In fact, XXXX merely collected my data to pass it to a secretive from me parties XXXX XXXX XXXX XXXX and Stockbrokers ( XXXX and other untouchable gang of bankers ) That is why the notes, including mine, were destroyed probably 95 % of them because Stockbrokers plan required them to keep all revenue generated by their scheme not just some of it. So they needed to substitute data for documents. Every scanned image is data. And those images can be copied indefinitely. But I can only have one signed original note. The banks are tired of being restricted to selling my loan once, so they developed a plan to sell the data from my loan dozens of times but creating a database in XXXX XXXX, XXXX where my data for broken into millions of pieces and sold as unsecured Certificates ( not loans ) by XXXX XXXX. \n\nThe analogy is the atom. In the legal world you can only sell the atom once. But XXXX XXXX figured out a way around that. They sell information about ( i.e., data ) the protons, electrons and nucleus along with a variety of other behavioral characteristics of those physical elements but they never say they are selling the atom even though their collective sales of information about the everything composing the atom is equal to dozens of times the price of the atom. By using this fictional strategy they can say they never sold or bought the atom and therefore any liability arising from purchasing or selling the atom doesnt attach to them. Again, XXXX  securitized data not debt. \n\nThat means that neither mine of anyone else loan, like that atom, has never moved and was not in fact a loan and there is no loan agreement because nobody agreed to become my lender. \n\nSo far the investment banks have been pretending to be lenders when they are not and they would fight to the death if I sue them as lenders. This is why XXXX  XXXX XXXX repeatedly lies that they are merely banking institution for XXXX and PennyMac. Their defense would be that they are not lenders and as proof they would swear they have no interest in my loan. And they would be right. Because no single Company has my loan as their asset as required by GAAP, UCC Art 9-203 ; and MI Chapter 565. \n\nThey made a ton of money selling information about my loan in the form of derivatives, hedge contracts, insurance contracts etc. On average they made {$12.00} from every {$1.00} they gave me. But they never paid me one penny for my role in their scheme of securitizing data. Which is unpaid servitude commonly known as slavery. A handful of bankers uses false appearance of debt information about which they sell in giant proportions to enslave the entire World who transfer their wealth thinking they repay a debt to a fictitious creditor while create a tax-free revenue for Investment Banks who is not shy to steal homes with forged documents by weaponizing US Court system. \n\nWhatever money I received from XXXX  XXXX XXXX and other Stockbrokers, they lured me into promising to pay it but little did I know that I would be paying companies with financial interest in my transaction which I mistakenly think is a loan. My LOAN HAS NOT BEEN SOLD BECAUSE THERE IS NO LOAN. \n\nXXXX  did this by converting from public records to digital private records which means that management of any given company can claim anything and nobody is the wiser unless someone does an audit and understands what theyre looking at. By directing everyones attention to images they are directing everyone to data instead of documents. This is why PenntyMac had NO documents about my loan except payment history which they can retrieve from XXXX XXXX, XXXXby using a very limited access and ligin The rest was emailed to PennyMac on XX/XX/XXXX as IMAGES via PDF file by XXXX XXXX XXXX XXXX. \n\nThere is nothing legal about what the investment banks did to investors and nothing legal about what theyre doing to homeowners. But they have convinced most judges, regulators, lawyers and consumers that their practices are merely an accurate presentation of the truth and so the deficiencies occur without harm to the system or to investors or homeowners. Nothing could be further from the truth. Just look at public complaints against so-called Servicers and it is very clear that these Servicers create a mess with borrowers \" loans '' because they do not service anything, just pretend. \n\nInvestors are harmed because they unknowingly bought into some highly risky unsecured junk bonds and then signed away their right to do anything about it. \nHomeowners are harmed because instead of getting the protections of the truth in lending Act and other federal and state statutes I was left hanging in the wind, with a fake loan agreement in which the players on the other side had no stake or incentive to make the transaction successful. In fact the loan agreement failed to deliver a lender. \n\nQuite the opposite. XXXX XXXX knew the transaction was toxic and they bet on it and the worse the odds the more money they made. This is why they made it worse by internally defaulting performing loans ( this is how PennyMac was able to steal my information from XXXX XXXX XXXX XXXX my loan was placed in default as soon as I signed for it ) This is why PennyMac is unable to name the Seller who purportedly sold them my performing loan, which was not available for sale. Because here are no Sellers since here are no loans. All that PennyMac purchased ( read : stole from XXXX XXXX system ) was information about my loan which was declared as defaulted. \n\nSince Mr. XXXX XXXX lies relentlessly ; refuses to address my questions and insists that PennyMacs position did not changed, I demand a full and honest investigation into this matter, based on material evidence I provided many times. ( additional attached ) I respectfully demand Mr. XXXX and PennyMac to explain which particular position has PennyMac to lawfully collect from me a debt since PennyMacs positions are always different and contradict with each other. \n\n1. On XX/XX/XXXX XXXX XXXX XXXX, XXXX ( former XXXX XXXX ) claimed to be owner of my Note. This is a lie. \n2. On XX/XX/XXXX PennyMac claimed to be owner/investor who purchased my debt from someone whom neither XXXX XXXX, XXXX or PennyMac can not identofy. This is a lie. Investors do not buy loans or Promissory Notes, they buy unsecured certificates backed by securitized borrowers data from Investment Banks. \n3. On XX/XX/XXXX XXXX said that owner/investor is XXXX XXXX. \n4. On XX/XX/XXXX PennyMac said that owner/investor is PennyMac and my loan is in XXXX XXXX Pooled Security XXXX. According to XXXX XXXX website, here are no Pooled Security XXXX. XXXX, a purported and unlawful mortgagee also has no records of such pooled security. XXXX, whom PennyMac appointed as a Trustee for non-existing Trust never responded to my inquiries to provide me a validation of standing of my loan. \n5. On XX/XX/XXXX PennyMac insisted that PennyMac purchased [ my ] loan and was now both creditor and servicer ( who apparently servicing something on behalf of investors, who is also PennyMac ). \n6. On XXXX XXXX Mr. XXXX insisted that PennyMac is  an Issuer of XXXX XXXX securities, which are pooled into Trust XXXX ( non-exist ) where XXXX XXXX XXXX XXXX, a purported Trustee ( who can not identify a Trustor of this Trust and tell who appointed XXXX as Trustee ) whom PennyMac transfer my payments to be remitted to Investors ( here : PennyMac ). In the same letter Mr. XXXX claimed that XXXX XXXX does not sell performing loans, only if they are several months delinquent. Yet, PennyMac was able to buy my loan form some secretive Seller while my loan was not availale for sale since it was never delinquent ; issue XXXX XXXX Securities backed by my loan ; pool them in some non-existing Trust three years too late under IRS Rule 840G ; and  collect my payments to pass them to Trustee XXXX just to get them back to investor PennyMac. \n7. On XX/XX/XXXX XXXX XXXX XXXX XXXX ( who is the actual Servicer and a representative to the real Lenders- Investment Banks filed a legal action against PennyMac claiming that PennyMac stole from them information about loans to use for their own system, where PennyMac uses performing loans data as delinquent loans to defraud investors. \n8. PennyMac filed their own legal action against XXXX XXXX XXXX XXXX where PennyMac insists that the owner of the loans is XXXX XXXX which contradicts with PennyMacs prior statements that the owner is PennyMac. \n9. On XX/XX/XXXX XXXX XXXX Vice President XXXX responded to XXXX XXXX and informed him that the Issuer of securities pooled in some mysterious Trust is XXXX XXXX XXXX. Which contradicts with PennyMacs statement about their issuers capacity. \n10. On XX/XX/XXXX PennyMac announced that it has completed an agreement for new servicing advance financing through PNMAC XXXX ISSUER TRUST ( the Trust ), an indirect, wholly owned subsidiary of XXXX. Under this agreement, the Trust has issued new XXXX Servicing Advance Notes. The structure enhancement, which has been in development since early XXXX, will provide XXXX enhanced liquidity to directly support its servicing advance obligations to XXXX XXXX and its security holders. \nWhich completely contradicts with Mr. XXXX XXXX statements ( read : relentless lies ) that PennyMac is owner/investor/buyer of my ( or anyone else ) loans who issued some XXXX XXXX Mortgage Backed Securities which PennyMac obviously has no rights to do. \n\nIn other words, ALL PennyMacs positions in relationship to my loan are unsupported, false and contradicting with each other lies ; and I demand PennyMac to provide me a proof, along with evidence of PennyMacs ownership of my debt and their rights to collect. \n\nFirst and foremost, I demand PennyMac to identify the Seller of my loan to PennyMac ; and this Sellers legal rights to sell my loan. According to the legend, the original Lender was XXXX, who passed ( read : never touched anything in my loan at all ) it to XXXX on XX/XX/XXXX, or my closing data. In fact, this entire transaction was handled by XXXX XXXX XXXX XXXX ServiceLink who passed me a one-time payment from XXXX XXXX XXXX and other Stockbrokers for my financial services such as issue of security called Promissory Note. \n\nThe reason why my loan was never pooled with any XXXX XXXX XXXX is because Stockbrokers and XXXX XXXX declared it as a delinquent debt from the origination to issue Private Label unsecured trash Bonds ; purchased insurance contracts were payable not to the investors nor even for their benefit but rather for the profit of the investment bank who purchased it and place bets against the very same certificates by the same Stockbrokers claiming that the certificates would decline in value. The decline in value is based upon a contractual provision that gave Investment Banks the sole right in its sole discretion to declare the event. \n\nThis is why Default Debt buyer PennyMac was able to steal my information from XXXX XXXX and now try to get a taxpayers bailout claiming Servicer Advances which are also a huge lie to cover for XXXX XXXX fraud. \n\nPennyMac did not make any advances. They never did and they never will. They said they did but they didnt. If you read the prospectus carefully you will see that the money from investors is divided into three parts. \n\nThe first part is the purchase of a certificate that promises payments to the investor based upon a formula that is independent of any homeowner debt, note or mortgage. It does not commit the Investment Bank to using the funds in any particular way. But the payments are partially indexed on the performance of an arbitrarily chosen group of loans that are not owned by anyone. This group of loans are intentionally internally defaulted to make this even occur to get insurance payments for their bet against this group of loans. \n\nThe second part is the establishment of a pool of funds controlled by the Investment Bank which also does not have any restrictions as to its use. The prospectus reveals that investors may be receiving payments out of the pool of funds, which obviously comes from their own money ( aka Ponzi Scheme ). \n\nThis is the source of what is labeled as servicer advances. By labeling these payments as servicer advances, and by providing that servicer advances will be paid to the master servicer ( i.e., the Investment Bank ) the so-called securitization scheme creates another Profit Center. \n\nInvestment Banks can claim return of servicer advances that they never advanced. By doing that they not only create the profit Center but they also able to claim that it was not Revenue for tax purposes. A lot of the bookkeeping, financial reporting and tax reporting is based on this strategy. \n\nIn my opinion it is not legal. It is not legal from the perspective of me as a homeowner, who gets no credit for any payments or profits made in the scheme because nobody maintains an account in which the homeowners debt is claimed as an asset ; this results in literally no place to credit the homeowners debt for incoming payments and profits that actually offset any potential liability of the homeowner. \n\nIn other words, an Investment Bank receives a windfall of profits by selling information about my loan while I have to work hard during 30 years to return the only compensation I received for MY services to Investment Banks issue a security called Promissory Note plus interest. In other words, XXXX XXXX  XXXX via XXXX XXXX passed me {$130000.00} for a property appraised at {$140000.00} ( means this is the amount in data sold to investors XXXX XXXX times as trash bonds ) while I get no singe cent from this profits, no reduction of my debt and repay my only compensation plus about $ XXXX on top of it. This is the worst slavery this World ever had. \n\nThe third part exists by implication. The normal agreement ( prospectus ) would provide for a specific use of proceeds from the proceeds of an offering of any Securities or certificates for mortgage bonds. This is absent. \n\nThe reason that it is absent is because the balance of the funds are pure profit to the Investment Bank. This is because of the second tier of a yield spread premium that is not widely understood in legal circles because in legal circles they mostly have no experience or knowledge of Finance. \n\nThe investment bank has complete discretion as to what to do with the money that investors have paid them something that never exists in the offering of securities to investors but does exist in so-called securitization plans. This is the holy grail for investment banks issuing securities in the name of nonexistent entities. Instead of getting their normal fee of at most 15 % of the proceeds, they get it all. 100 %. \n\nThey issue certificates in the name of a trust that does not exist. The actual Trust Agreement ( not the PSA which for my Trust does not exist ) corroborates this by stating that the trustee has only one function : to hold legal title to loan documents. The beneficiary is the Investment Bank. \n\nAnd of course the role of a trustor or settlor is completely absent because there is nobody who has paid value in exchange for receiving a convenience of ownership of the underlying debt of any homeowner. \n\nSo the Investment Bank is promising to pay the investor at a rate which appears to the investor to be in excess of market rate but is far below the amount charged to homeowners. This strategy enables the Investment Bank to profit on several different levels. In addition, by placing themselves in the position of Master servicer, they were the ultimate recipient of payments received from homeowners which in many cases exceeded any planned payments to investors. \nTHIS IS WHY SUBSERVICERS LIKE XXXX AND PENNYMAC REFUSE TO TELL ME WHERE MY PAYMENTS ARE SENT. FIRST THEY DONT ACTUALLY RECEIVE THE MONEY AND SECOND THE MONEY IS NOT BEING SENT TO THE TRUST OR TRUSTEE. \n\nUnder current systems and processes that are generally accepted on XXXX XXXX, most Investments are held in street name. Investors do not receive any written document like a stock certificate or a bond when they buy it. Holding a security in street name means that for all practical purposes the Securities firm owns it for the benefit of an investor. THE ONLY EVIDENCE OF OWNERSHIP THE INVESTOR GETS IS A STATEMENT FROM THE SECURITIES FIRM IN WHOSE NAME THE SECURITY IS REGISTERED. \n\nAnd while it is true that the law says that an investor is the beneficiary of an arrangement wherein the securities firm holds title in trust for the investor, theres nothing to stop the Securities firm from trading on the existence of the certificate as if it were their own. This is how they are able to obtain insurance contracts and hedge contracts that are payable to the investment bank rather than the investors who put up the money. \n\nThis sleight of hand maneuver lies at the center of what is falsely labelled as the securitization of residential mortgage debt. The designation of a competing bank to serve as trustee of a nonexistent trust gives the scheme an institutional appearance, which in turn causes lawyers and judges, who know nothing of finance, to assume that they are dealing with an institution versus a lowly homeowner. \n\nXXXX XXXX XXXX XXXX  is not a trustee, this is why they have no idea about the Trust which holds my loan ; or who is a Trustor or Issuer.  That is another label used to misdirect homeowners, lawyers and judges. A trustee is someone who actively manages the active affairs of trust property. There is no trust property. There is no trust business. And the party named as trustee doesnt even have the power to inquire as to any matter that might be called the business, assets, liabilities, income or expenses of the so-called trust. \n\nBy naming XXXX as the legal title owner for the benefit of the investment bank they are saying nothing. XXXX did not receive legal title to anything. In order to get legal title it had to be the recipient of a conveyance. That is where the banks want us to stop. But the conveyance, under all current law going back centuries can ONLY be issued by one who possesses rights to the asset conveyed to the trustee to hold in trust for the beneficiary of the trust. \n\nInvestors are not and never have been beneficiaries and that claims or arguments or implications that they are somehow, as creditors, represented by a nonexistent trust or nonexistent trustee are preposterous. \n\nThis is why there is no claimants in the foreclosures mill since the named Plaintiff usually does not exist.","date_sent_to_company":"2020-08-03T14:05:05.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"490XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3774600","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2020-08-03T14:00:37.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Investors do not receive any written document like a stock certificate or a <em>bond</em> when they buy it. Holding a <em>security</em> in street name means that for all practical purposes the <em>Securities</em> firm owns it for the benefit of an investor. THE ONLY EVIDENCE OF OWNERSHIP THE INVESTOR GETS IS A STATEMENT FROM THE <em>SECURITIES</em> FIRM IN WHOSE NAME THE <em>SECURITY</em> IS REGISTERED."]},"sort":[9.308791,"3774600"]},{"_index":"complaint-public-v1","_id":"6453989","_score":9.202274,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Date it occurred on XX/XX/XXXX CAPITAL ONE AUTO FINAN XXXX XXXX XXXX, TX XXXX I RESERVE MY RIGHTS UNDER UCC 1-308 ; THEESE COMPANIES ARE IN VIOLATION OF MY CONSUMER RIGHTS UNDER US CODE 1605 AND US CODE 1638. XXXX XXXX XXXX INC.VIOLATED MY RIGHTS AS A CONSUMER BY STACKING FEES AND INSURANCE PREMIUMS INTO MY AMOUNT FINANCED, ORIGINAL PRICE XXXX TOTAL SALE PRICE CAME OUT TO XXXX WITH ILLEGAL DOWN PAYMENT OF XXXX PLUS ANOTHER XXXX AT SIGNING WITCH \" SIGNATURE '' I REVOLK UNDER UCC 1-308. CAPITAL ONE AUTO FINAN ALREADY PRE APPROVED, MY PERSON FOR XXXX. THE AMOUNT FINANCED FOR THIS ERRONEOUS LOAN IS WRONG, WHICH MEANS MY FINANCE CHARGE IS WRONG, THAT BEING SAID MY PAYMENTS ARE WRONG AND TO HIGH. I ALSO HAD A XXXX PLUS CREDIT SCORE THAT WAS AFFECTED AND NOT TAKEN INTO CONSIDERATION. THEY GAVE ME TWO RETAIL PURCHASE AGREEMENTS WITH DIFFERENT FIGURES AND SUMS, I FEEL SO VIOLATED, ALSO UNDER US CODE 1662 ( 2 ) NO DOWN PAYMENT WAS NEEDED TO EXTEND MY PERSON CREDIT YOUR EMPLOYEE XXXX XXXX TOLD ME THAT MY CAR WAS NEW ON THE RETAIL PURCHASE AGREEMENT, BUT ON THE ERRONEOUS GAP WAIVER THAT SHOULD NOT HAVE BEEN INCLUDED IN FINANCE CHARGE SAID THE VEHICLE WAS USED. WITH THE MILEAGE BEING ( XXXX ) AND ACCURATE, ON ONE AGREEMENT ON THE OTHER IT SAYS ITS NOT ACCURATE. ALSO, MY PREMIUM SHOULD BE INCLUDED IN THE FINANCE CHARGE. I SHOULD NOT BE PAYING OUT OF POCKET TO 3RD PARTIES. I ALSO UNDER UCC 3-104 I NEVER GOT A FINANCIAL INSTRUMENT FROM FINANCIAL INSTITUTION ( CAPITAL ONE AUTO FINAN ) TO FUND THIS TRANSACTION ; IF SO I WOULD LIKE TO RECEIVE ACCOUNT LEDGER FROM CAPITAL ONE AUTO FINAN TO PROVE A TRANSACTION WAS MADE.I DID NOT RECEIVE A TRUTH IN LENDING OR RIGHT TO RECESSION DISCLOSURES UNDER USC 1640 THIS IS A BREACH IN CONTRACT, I WANT TO BE COMPENSATED FOR MY INJURY PAIN AND SUFFERING IN DAMAGES, I WAS UNFAIRLY TREATED DISCRIMINATED AGAINST AND UNDER USC 1611 I WILL HOLD EVERYONE ACCOUNTABLE WHO WILLFUL KNOWINGLY TRICKED ME INTO THIS CONTRACT. Please be advised you have a letter to CFPB, this is my First WRITTEN REQUEST and that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. THE FTC IS INVESTIGATING THIS MATTER ALSO YOU ARE NOW UNDER FEDERAL LAW. BELOW ARE MY DEMANDS I WILL EXPECT COMPENSATION WITH IN 15 DAYS OF THIS REPORT. \nI DEMAND MY TITLE AND FOR THIS LOAN TO BE PAYED OFF IN FULL ALSO ANY LATE PAYMENTS SHALL BE DELETED I DEMAND XXXX IN DAMAGES FOR MY RIGHTS BEING VIOLATED I DEMAND MY DOWN PAYMENT OF XXXX THAT SELLER TOOK FORM ME I DEMAND THE PAYMENTS BACK FROM THIS LOAN IN TOTAL OF XXXX X XXXX XXXX XXXX. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT ( a ) [ Definitions. ] In this section : ( 1 ) \" Request '' means a record of a type described in paragraph ( 2 ), ( 3 ), or ( 4 ).\n\n( 2 ) \" Request for an accounting '' means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request.\n\n( 3 ) \" Request regarding a list of collateral '' means a record authenticated by a debtor requesting that the recipient approve or correct a list of what the debtor believes to be the collateral securing an obligation and reasonably identifying the transaction or relationship that is the subject of the request.\n\n( 4 ) \" 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.\n\n( b ) [ Duty to respond to requests. ] Subject to subsections ( c ), ( d ), ( e ), and ( f ), a secured party, other than a buyer of accounts, chattel paper, payment intangibles, or promissory notes or a consignor, shall comply with a request within 14 days after receipt : ( 1 ) in the case of a request for an accounting, by authenticating and sending to the debtor an accounting; and ( 2 ) in the case of a request regarding a list of collateral or a request regarding a statement of account, by authenticating and sending to the debtor an approval or correction.\n\n( c ) [ Request regarding list of collateral ; statement concerning type of collateral. ] A secured party that claims a security interest in all of a particular type of collat\neral owned by the debtor may comply with a request regarding a list of collateral by sending to the debtor an authenticated record including a statement to that effect within 14 days after receipt.\n\n( d ) [ Request regarding list of collateral ; no interest claimed. ] A person that receives a request regarding a list of collateral, claims no interest in the collateral when it receives the request, and claimed an interest in the collateral at an earlier time shall comply with the request within 14 days after receipt by sending to the debtor an authenticated record : ( 1 ) disclaiming any interest in the collateral; and ( 2 ) if known to the recipient, providing the name and mailing address of any assignee of or successor to the recipient 's interest in the collateral.\n\n( e ) [ Request for accounting or regarding statement of account ; no interest in obligation claimed. ] A person that receives a request for an accounting or a request regarding a statement of account, claims no interest in the obligations when it receives the request, and claimed an interest in the obligations at an earlier time shall comply with the request within 14 days after receipt by sending to the debtor an authenticated record : ( 1 ) disclaiming any interest in the obligations; and ( 2 ) if known to the recipient, providing the name and mailing address of any assignee of or successor to the recipient 's interest in the obligations.\n\n( f ) [ Charges for responses. ] A debtor is entitled without charge to one response to a request under this section during any six-month period. The secured party may require payment of a charge not exceeding {$25.00} for each additional response.\n\n1-308. Performance or Acceptance Under Reservation of Rights.\n\n( a ) 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. Such words as \" without prejudice, '' \" under protest, '' or the like are sufficient.\n\n( b ) Subsection ( a ) does not apply to an accord and satisfaction.\n\n1-306. Waiver or Renunciation of Claim or Right After Breach.\n\nA claim or right arising out of an alleged breach may be discharged in whole or in part without consideration by agreement of the aggrieved party in an 18 U.S.C. 8 I owe no debt All debts are united states obligations 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\n( June 25, 1948, ch. 645, 62 Stat. 685. ) 17 CFR 240.3b-18 Definitions of terms used in Section 3 ( a ) ( 5 ) of the Act.\n\nFor the purposes of section 3 ( a ) ( 5 ) ( C ) of the Act ( 15 U.S.C. 78c ( a ) ( 5 ) ( C ) : ( a ) The term affiliate means any company that controls, is controlled by, or is under common control with another company.\n\n( b ) The term consumer-related receivable means any obligation incurred by any natural person to pay money arising out of a transaction in which the money, property, insurance, or services ( being purchased ) are primarily for personal, family, or household purposes.\n\n( c ) The term member as it relates to the term syndicate of banks means a bank that is a participant in a syndicate of banks and together with its affiliates, other than its broker or dealer affiliates, originates no less than 10 % of the value of the obligations in a pool of obligations used to back the securities issued through a grantor trust or other separate entity.\n\n( d ) The term obligation means any note, draft, acceptance, loan, lease, receivable, or other evidence of indebtedness that is not a security issued by a person other than the bank.\n\n( e ) The term originated means : 17 CFR 240.3b-18 Definitions of terms used in Section 3 ( a ) ( 5 ) of the Act.\n\n( 1 ) Funding an obligation at the time that the obligation is created ; or ( 2 ) Initially approving and underwriting the obligation, or initially agreeing to purchase the obligation, provided that : ( i ) The obligation conforms to the underwriting standards or is evidenced by the loan documents of the bank or its affiliates, other than its broker or dealer affiliates; and ( ii ) The bank or its affiliates, other than its broker or dealer affiliates, fund the obligation in a timely manner, not to exceed six months after the obligation is created.\n\n( f ) The term pool means more than one obligation or type of obligation grouped together to provide collateral for a securities offering.\n\n( g ) The term predominantly originated means that no less than 85 % of the value of the obligations in any pool were originated by : ( 1 ) The bank or its affiliates, other than its broker or dealer affiliates; or ( 2 ) Banks that are members of a syndicate of banks and affiliates of such banks, other than their broker or dealer affiliates, if the obligations or pool of obligations consist of mortgage obligations or consumer-related receivables.\n\n( 3 ) For this purpose, the bank and its affiliates include any financial institution with which the bank or its affiliates have merged but does not include the purchase of a pool of obligations or the purchase of a line of business.\n\n( h ) The term syndicate of banks means a group of banks that acts jointly, on a temporary basis, to issue through a grantor trust or other separate entity, securities backed by obligations originated by each of the individual banks or their affiliates, other than their broker or dealer affiliates.\n\n[ 68 FR 8700, Feb. 24, 2003 ] 1026.23 Right of rescission.\n\n( a ) Consumer 's right to rescind.\n\n( 1 ) In a credit transaction in which a security interest is or will be retained or acquired in a consumer 's principal dwelling, each consumer whose ownership interest is or will be subject to the security interest shall have the right to rescind the transaction, except for transactions described in paragraph ( f ) of this section. For purposes of this section, the addition to an existing obligation of a security interest in a consumer 's principal dwelling is a transaction. The right of rescission applies only to the addition of the security interest and not the existing obligation. The creditor shall deliver the notice required by paragraph ( b ) of this section but need not deliver new material disclosures. Delivery of the required notice shall begin the rescission period.\n\n( 2 ) To exercise the right to rescind, the consumer shall notify the creditor of the rescission by mail, telegram or other means of written communication. Notice is considered given when mailed, when filed for telegraphic transmission or, if sent by other means, when delivered to the creditor 's designated place of business.\n\n( 3 ) ( i ) The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by paragraph ( b ) of this section, or delivery of all material disclosures, whichever occurs last. If the required notice or material disclosures are not delivered, the right to rescind shall expire 3 years after consummation, upon transfer of all of the consumer 's interest in the property, or upon sale of the property, whichever occurs first. In the case of certain administrative proceedings, the rescission period shall be extended in accordance with section 125 ( f ) of the Act.\n\n( ii ) For purposes of this paragraph ( a ) ( 3 ), the term material disclosures means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations referred to in 1026.32 ( c ) and ( d ) and 1026.43 ( g ).\n\n( 4 ) When more than one consumer in a transaction has the right to rescind, the exercise of the right by one consumer shall be effective as to all consumers.\n\n( b ) ( 1 ) Notice of right to rescind. In a transaction subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ). The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : ( i ) The retention or acquisition of a security interest in the consumer 's principal dwelling.\n\n( ii ) The consumer 's right to rescind the transaction.\n\n( iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business.\n\n( iv ) The effects of rescission, as described in paragraph ( d ) of this section.\n\n( v ) The date the rescission period expires.\n\n( 2 ) Proper form of notice. To satisfy the disclosure requirements of paragraph ( b ) ( 1 ) of this section, the creditor shall provide the appropriate model form in appendix H of this part or a substantially similar notice.\n\n( c ) Delay of creditor 's performance. Unless a consumer waives the right of rescission under paragraph ( e ) of this section, no money shall be disbursed other than in escrow, no services shall be performed and no materials delivered until the rescission period has expired and the creditor is reasonably satisfied that the consumer has not rescinded. ( d ) Effects of rescission.\n\n( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void and the consumer shall not be liable for any amount, including any finance charge.\n\n( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest.\n\n( 3 ) If the creditor has delivered any money or property, the consumer may retain possession until the creditor has met its obligation under paragraph ( d ) ( 2 ) of this section. When the creditor has complied with that paragraph, the consumer shall tender the money or property to the creditor or, where the latter would be impracticable or inequitable, tender its reasonable value. At the consumer 's option, tender of property may be made at the location of the property or at the consumer 's residence. Tenders of money must be made at the creditor 's designated place of business. If the creditor does not take possession of the money or property within 20 calendar days after the consumer 's tender, the consumer may keep it without further obligation.\n\n( 4 ) The procedures outlined in paragraphs ( d ) ( 2 ) and ( 3 ) of this section may be modified by court order.\n\n( e ) Consumer 's waiver of right to rescind. The consumer may modify or waive the right to rescind if the consumer determines that the extension of credit is needed to meet a bona fide personal financial emergency. To modify or waive the right, the consumer shall give the creditor a dated written statement that describes the emergency, specifically modifies or waives the right to rescind, and bears the signature of all the consumers entitled to rescind. Printed forms for this purpose are prohibited.\n\n( f ) Exempt transactions. The right to rescind does not apply to the following : ( 1 ) A residential mortgage transaction.\n\n( 2 ) A refinancing or consolidation by the same creditor of an extension of credit already secured by the consumer 's principal dwelling. The right of rescission shall apply, however, to the extent the new amount financed exceeds the unpaid principal balance, any earned unpaid finance charge on the existing debt, and amounts attributed solely to the costs of the refinancing or consolidation.\n\n( 3 ) A transaction in which a state agency is a creditor.\n\n( 4 ) An advance, other than an initial advance, in a series of advances or in a series of single-payment obligations that is treated as a single transaction under 1026.17 ( c ) ( 6 ), if the notice required by paragraph ( b ) of this section and all material disclosures have been given to the consumer.\n\n( 5 ) A renewal of optional insurance premiums that is not considered a refinancing under 1026.20 ( a ) ( 5 ).\n\n( g ) Tolerances for accuracy - ( 1 ) One-half of 1 percent tolerance. Except as provided in paragraphs ( g ) ( 2 ) and ( h ) ( 2 ) of this section : ( i ) The finance charge and other disclosures affected by the finance charge ( such as the amount financed and the annual percentage rate ) shall be considered accurate for purposes of this section if the disclosed finance charge : ( A ) Is understated by no more than 1/2 of 1 percent of the face amount of the note or {$100.00}, whichever is greater ; or ( B ) Is greater than the amount required to be disclosed.\n\n( ii ) The total of payments for each transaction subject to 1026.19 ( e ) and ( f ) shall be considered accurate for purposes of this section if the disclosed total of payments : ( A ) Is understated by no more than 1/2 of 1 percent of the face amount of the note or {$100.00}, whichever is greater ; or ( B ) Is greater than the amount required to be disclosed.\n\n( 2 ) One percent tolerance. In a refinancing of a residential mortgage transaction with a new creditor ( other than a transaction covered by 1026.32 ), if there is no new advance and no consolidation of existing loans : ( i ) The finance charge and other disclosures affected by the finance charge ( such as the amount financed and the annual percentage rate ) shall be considered accurate for purposes of this section if the disclosed finance charge : ( A ) Is understated by no more than 1 percent of the face amount of the note or {$100.00}, whichever is greater ; or ( B ) Is greater than the amount required to be disclosed.\n\n( ii ) The total of payments for each transaction subject to 1026.19 ( e ) and ( f ) shall be considered accurate for purposes of this section if the disclosed total of payments : ( A ) Is understated by no more than 1 percent of the face amount of the note or {$100.00}, whichever is greater ; or ( B ) Is greater than the amount required to be disclosed.\n\n( h ) Special rules for foreclosures - ( 1 ) Right to rescind. After the initiation of foreclosure on the consumer 's principal dwelling that secures the credit obligation, the consumer shall have the right to rescind the transaction if : ( i ) A mortgage broker fee that should have been included in the finance charge was not included ; or ( ii ) The creditor did not provide the properly completed appropriate model form in appendix H of this part, or a substantially similar notice of rescission.\n\n( 2 ) Tolerance for disclosures. After the initiation of foreclosure on the consumer 's principal dwelling that secures the credit obligation : ( i ) The finance charge and other disclosures affected by the finance charge ( such as the amount financed and the annual percentage rate ) shall be considered accurate for purposes of this section if the disclosed finance charge : ( A ) Is understated by no more than {$35.00} ; or ( B ) Is greater than the amount required to be disclosed.\n\n( ii ) The total of payments for each transaction subject to 1026.19 ( e ) and ( f ) shall be considered accurate for purposes of this section if the disclosed total of payments : ( A ) Is understated by no more than {$35.00} ; or ( B ) Is greater than the amount required to be disclosed.\n[ 76 FR 79772, Dec. 22, 2011, as amended at 78 FR 30745, May 23, 2013 ; 78 FR 60440, Oct. 1, 2013 ; 82 FR 37769, Aug. 11, 2017 ] 15 U.S. Code 1638 - Transactions other than under an open-end credit plan ( a ) Required disclosures by creditor For each consumer credit transaction other than under an open-end credit plan, the creditor shall disclose each of the following items, to the extent applicable : ( 1 ) The identity of the creditor required to make disclosure.\n\n( 2 ) ( A ) The amount financed, using that term, which shall be the amount of credit of which the consumer has actual use. This amount shall be computed as follows, but the computations need not be disclosed and shall not be disclosed with the disclosures conspicuously segregated in accordance with subsection ( b ) ( 1 ) : ( i ) take the principal amount of the loan or the cash price less down payment and trade-in; ( ii ) add any charges which are not part of the finance charge or of the principal amount of the loan and which are financed by the consumer, including the cost of any items excluded from the finance charge pursuant to section 1605 of this title; and ( iii ) subtract any charges which are part of the finance charge but which will be paid by the consumer before or at the time of the consummation of the transaction, or have been withheld from the proceeds of the credit.\n\n15 U.S. Code 1602 - Definitions and rules of construction ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.\n\n28 U.S. Code 3002 - Definitions ( 1 ) Counsel for the United States means ( A ) a United States attorney, an assistant United States attorney designated to act on behalf of the United States attorney, or an attorney with the United States Department of Justice or with a Federal agency who has litigation authority ; and ( B ) any private attorney authorized by contract made in accordance with section 3718 of title 31 to conduct litigation for collection of debts on behalf of the United States.\n\n( 2 ) Court means any court created by the Congress of the United States, excluding the United States Tax Court. ( 3 ) Debt means ( A ) an amount that is owing to the United States on account of a direct loan, or loan insured or guaranteed, by the United States ; or ( B ) an amount that is owing to the United States on account of a fee, duty, lease, rent, service, sale of real or personal property, overpayment, fine, assessment, penalty, restitution, damages, interest, tax, bail bond forfeiture, reimbursement, recovery of a cost incurred by the United States, or other source of indebtedness to the United States, but that is not owing under the terms of a contract originally entered into by only persons other than the United States ; and includes any amount owing to the United States for the benefit of an Indian tribe or individual Indian, but excludes any amount to which the United States is entitled under section 3011 ( a ).\n\n31 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 issued under this chapter.\n\n( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons.\n\n( c ) ( 1 ) The Secretary may issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The Secretary may dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section 3102 ( b ) ( d ) of this title.\n\n( 2 ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that may be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of the exchange value on the date of issue of the bonds, notes, or certificates as published by the Secretary under section 5151 of this title.\n\n( 3 ) The Secretary may designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency may be deposited.\n\n( Pub. L. 97258, Sept. 13, 1982, 96 Stat. 945. ) Definition : payment from 15 USC 78m ( q ) ( 1 ) ( C ) payment ( C ) the term payment ( i ) means a payment that is ( I ) made to further the commercial development of oil, natural gas, or minerals ; and ( II ) not de minimis ; and ( ii ) includes taxes, royalties, fees ( including license fees ), production entitlements, bonuses, and other material benefits, that the Commission, consistent with the guidelines of the Extractive Industries Transparency Initiative ( to the extent practicable ), determines are part of the commonly recognized revenue stream for the commercial development of oil, natural gas, or minerals ; 15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.\n\n( 2 ) Service or carrying charge.\n\n( 3 ) Loan fee, finders fee, or similar charge.\n\n( 4 ) Fee for an investigation or credit report.\n\n( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.\n\n( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.\n\n( b ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) in order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof.\n\n( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.\n\n( d ) Items exempted from computation of finance charge in all credit transactions If any of the following items is itemized and disclosed in accordance with the regulations of the Bureau in connection with any transaction, then the creditor need not include that item in the computation of the finance charge with respect to that transaction : ( 1 ) Fees and charges prescribed by law which actually are or will be paid to public officials for determining the existence of or for perfecting or releasing or satisfying any security related to the credit transaction.\n\n( 2 ) The premium payable for any insurance in lieu of perfecting any security interest otherwise required by the creditor in connection with the transaction, if the premium does not exceed the fees and charges described in paragraph ( 1 ) which would otherwise be payable.\n\n( 3 ) Any tax levied on security instruments or on documents evidencing indebtedness if the payment of such taxes is a precondition for recording the instrument securing the evidence of indebtedness.\n\n( e ) Items exempted from computation of finance charge in extensions of credit secured by an interest in real property The following items, when charged in connection with any extension of credit secured by an interest in real property, shall not be included in the computation of the finance charge with respect to that transaction : ( 1 ) Fees or premiums for title examination, title insurance, or similar purposes.\n\n( 2 ) Fees for preparation of loan-related documents.\n\n( 3 ) Escrows for future payments of taxes and insurance.\n\n( 4 ) Fees for notarizing deeds and other documents.\n\n( 5 ) Appraisal fees, including fees related to any pest infestation or flood hazard inspections conducted prior to closing. ( 6 ) Credit reports.\n\n( f ) Tolerances for accuracy In connection with credit transactions not under an open end credit plan that are secured by real property or a dwelling, the disclosure of the finance charge and other disclosures affected by any finance charge ( 1 ) shall be treated as being accurate for purposes of this subchapter if the amount disclosed as the finance charge ( A ) does not vary from the actual finance charge by more than {$100.00} ; or ( B ) is greater than the amount required to be disclosed under this subchapter; and ( 2 ) s","date_sent_to_company":"2023-01-18T16:48:25.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"6453989","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-01-18T15:47:36.000Z","state":"GA","company_public_response":null,"sub_issue":"Fraudulent loan"},"highlight":{"complaint_what_happened":["( 6 ) Borrower-<em>paid</em> mortgage broker fees, including fees <em>paid</em> directly to the broker or the lender ( for delivery to the broker ) whether such fees are <em>paid</em> in cash or financed."]},"sort":[9.202274,"6453989"]},{"_index":"complaint-public-v1","_id":"11478640","_score":8.9760065,"_source":{"product":"Credit reporting or other personal consumer reports","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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB XXXX Codes Sec 1:1003.4 ( a ) ( 2 ) -1FS LEGAL ENTITY IDENTIFIER -CODE1 Conventional Government Sponsored Fannie Mae Loan -CODE 2 Federal Housing Administration Insured ( FHA ) Sec 5:1003.4 ( a ) ( 3 ) -1-6F.S LOAN PURPOSE CODE 1 : Purchase : Forged Deed, Tax and Downpayment Fraud by Lender who uses the second mortgage GSE to bypass all federal regulations -CODE 2 : Improvements : Liens on Tittle prior to purchase have caused damage. and almost a wrongful foreclosure. \n\nXXXX. Sec 8 : 1003.4 ( a ) ( 6 ) OCCUPANCY TYPE CODE XXXX : Principal Residence of XXXX XXXX XXXX and XXXX XXXX XXXX has addressed a threatening letter via email to continue the allegations of XXXX XXXX being a borrower or co-signer. \nXXXX. Sec 9 : 1003.4 ( a ) ( XXXX ) F.S LOAN AMOUNT Loan Amount is XXXX. \nXXXX. Sec 10.1003.4 ( a ) ( 8 ) FS Codes 1,4,6 ACTION TAKEN CODE XXXX : LOAN ORIGINATED XXXX *Credit Report is Incomplete and Forged Deed has the Action Date XXXX -CODE XXXX : Aplication Withdrawn by Applicant XXXX did not want to continue the aplication and did not signed any binding contract such as Deed, Mortgage, or Trust. Documents on his report were tampered by unauthorized not employed and unlicensed agents XXXX XXXX XXXX XXXX. \nXXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( i ) FS ACTION TAKEN DATE CODE XXXX : APPLICATION XXXX TAMPERED : XXXX RECORDED : XXXX. \nXXXX. Sec XXXX : XXXX ( a ) ( XXXX ) ( XXXX ) XXXX -CODE XXXX : Covered loans or Applications for which the credit did not considered *payments made on the account and funds of escrow provided such as XXXX percent down Borrowers XXXX XXXX XXXX and XXXX XXXX gave XXXX XXXX Mortgage in the amount of XXXX. To obtain XXXX percent XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Currently XXXX year and XXXX months past origination date of loan XXXX the amount showing on credit bureaus after monthly payments of XXXX from XXXX to XXXX which accounts to XXXX months to close year XXXX is XXXX. In addition to the XXXX down payment initial escrow and the unreported credited Tax Proration Debited to Sellers and Credited to Buyers. Total of over XXXX unreported dollars XXXX XXXX XXXX XXXX XXXX who accepted the loan transfer from Primary Residential Mortgage to hide those funds and make a profit from a loan that they willingly and knowingly violated all legal Federal Laws to damage the Borrowers and also did not have mercy on damaging a perfect credit score and disclosed all personal and private information and addressed a threat mailed to the property address to : XXXX XXXX who never lived, or has ever received mail on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX never signed any contract with original lender Primary Residential Mortgage XXXX never signed any contract with Second Mortgage Securing original Lender with XXXX XXXXXXXX XXXX XXXX Payment Assistance XXXX percent down. Known as Fannie Mae. \nXXXX never signed a contract with XXXX, XXXX, or Hazard Insurance Citizen ( XXXX XXXX XXXX XXXXXXXX ) *Documents provided on XXXX report generated in response to the main report on disputed Account on his personal XXXX account after he sent by certified mail a letter on XXXX to Validate the dept and the account was reported as accurate and meets the FDCP and FCA and he remarked that he disagreed. \nXXXX XXXX CFPB Complaint # XXXX DATE Origination on XX/XX/XXXX XXXX XXXX XXXX Complaint # # XXXX DATE Origibation on XX/XX/XXXX CFPB Style : XXXX is XXXX XXXX XXXX month prior to XXXX XXXX submitting this complaint had complaint and informed CFPB of revision in the reporting and amounts discrepancies of XXXX payoffs issued within XXXX month all dating the month of XXXX and XXXX. False statements provided by the same agents responded the complaint and no further action was taken by CFPB. \n-How more obvious can a Fraud be if XXXX year past purchase the account is only XXXX percent paid off? \nThe documents are clearly tampered such as a blurry image of the XXXX Anual Interest Tax Reported before the end of the Year of XXXX for the lender to obtain on behalf of the Borrowers an additional tax credit for First Time Buyers of XXXX and they have clearly violated all laws of IRS Department of Treasury byXXXX XXXX XXXX FHA Loan is TAX EXEMPT and as Security for XXXX Mortgage the Doc of Intangible and Doc Stamp File is free. Also purchase was on 7 months and 10 days meaning : On the first of XXXX the Tax Proposed was passed for Notices to be received starting on XXXX. Lender was fully aware of Tax to be paid on XXXX was XXXX PRORATION : MONTHLY OF TAX YEAR XXXX : XXXX divided by 12 months is XXXX DAILY OF TAX YEAR XXXX : On XX/XX/XXXX divided by 31 days is XXXX -Sellers had to pay the Property Tax Proration for 7 months and 10 days. XXXX and XXXX XXXX owed to Buyers XXXX dollars for 7 months and XXXX dollars in days TOTAL : XXXX Credited to Buyers - Buyers current owners only had to pay 6 months and 21 days. XXXX XXXX XXXX and XXXX XXXX owed XXXX dollars for 6 months and XXXX dollars in days. TOTAL : XXXX Credited to XXXX Account. \nAffordable Housing requires no more than XXXX dollars for compensation of realtor. No more than XXXX dollars for XXXX XXXX, etc. Lender Declaration of IRS VIOLATION is clearly Stated in the Tampered proofs provided on CFPB and is obvious that XXXX Year Later after Borrower paid. \nYEAR XXXX DOWN PAYMENT : XXXX - TAX PRORATION : XXXX -FIVE MONTHLY PAYMENT FROM XX/XX/XXXX TO XX/XX/XXXX OF XXXX EQUALS XXXX TOTAL COLLECT Principal, Interest, Escrow ( Tax+Insurance ) XXXX MONTHS-PRINCIPAL XXXX MONTHLY PAYMENT : XXXX XXXX MONTHS OF INTEREST XXXX MONTHLY PAY : XXXX XXXX MONTHS ESCROW XXXX MONTHLY XXXX XXXX MONTHS OF Principal, Inters, Escrow TOTAL XXXX Escrow Account Should Have also been allocated the Funds of Tax Proration and The Down Payment from Buyers funds post no more than XXXX in closing cost as an additional XXXX Downpayment after closing purchase cost : XXXX Plus Credit from Sellers to Buyers for Tax : XXXX XXXX End Of The Year Total XXXX plus XXXX paid to Escrow is XXXX MINUS PROPERTY TAX : XXXX MINUS CITIZEN INSURANCE : XXXX BECAUSE PROPERTY INSURANCE IS PAID ON XXXX MINUS XXXX XXXX XXXX : XXXX MINUS MORTGAGE INSUR : XXXX XXXX IS ILLEGAL UNDER A FEDERAL ASSISTANCE TOTAL DISBURSED ESCROW : XXXX MINUS XXXX IS : XXXX -TOTAL ESCROW BEGINNING XXXX OF THIS YEAR IS SHOWING THAT ON XXXX THE XXXX PLUS 3 MONTHS OF XXXX ILLEGAL MORTGAGE INSURANCE TOTAL OF XXXX EQUAL TO DISBURSEMENT AMOUNT OF XXXX SUBTRACTED FROM THE SUM OF 2 MONTHS OF ESCROW XXXX THAT IS XXXX MINUS THE ESCROW FUNDS HELD OF XXXX THAT EQUALS TO A DEPOSIT OF XXXX NEVER EVEN CLOSE TO THE XXXX DOWNPAYMENT PLUS THE CREDIT OF TAX. Mortgage Documents say the XXXX mortgage was : XXXX XXXX XXXX XXXX XXXX  XXXX mortgage was : XXXX Original Dept was : XXXX *THE CREDIT REPORTS ON ALL BORROWERS ANDTHE VICTIMIZED NON BORROWER AND NON RESIDENT National Banks Tax Fraud on Real XXXX XXXX XXXX XXXX is XXXX XXXX and I am representing the Principal on behalf of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX CFPB Reports for XXXX XXXX XXXX XXXX CFPB Reports for XXXX XXXX # XXXX CFPB XXXX Codes Sec XXXX ( a ) ( XXXX ) XXXX LEGAL ENTITY IDENTIFIER XXXX Conventional Government Sponsored XXXX XXXX Loan -CODE XXXX Federal Housing XXXX XXXX XXXX FHA XXXX Sec XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX LOAN PURPOSE CODE XXXX : Purchase : Forged Deed, Tax and Downpayment Fraud by Lender who uses the second mortgage GSE to bypass all federal regulations -CODE XXXX : XXXX : Liens on XXXX prior to purchase have caused damage. and almost a wrongful foreclosure. \n\nXXXX. Sec XXXX : XXXX ( a ) ( XXXX ) OCCUPANCY TYPE CODE XXXX : Principal Residence of XXXX XXXX XXXX and XXXX XXXX XXXX has addressed a threatening letter via email to continue the allegations of XXXX XXXX being a borrower or co-signer. \nXXXX. Sec XXXX : XXXX ( a ) ( XXXX ) F.S LOAN AMOUNT Loan Amount is XXXX. \nXXXX. Sec XXXX ( a ) ( XXXX ) FS Codes XXXX ACTION TAKEN CODE XXXX : LOAN ORIGINATED XXXX *Credit Report is Incomplete and Forged Deed has the Action Date XXXX -CODE XXXX : Aplication Withdrawn by Applicant XXXX did not XXXX to continue the aplication and did not signed any binding contract such as Deed, Mortgage, or Trust. Documents on his report were tampered by unauthorized not employed and unlicensed agents XXXX XXXX XXXX XXXX. \nXXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( i ) FS ACTION TAKEN DATE CODE XXXX : APPLICATION XXXX TAMPERED : XXXX RECORDED : XXXX. \nXXXX. Sec XXXX : XXXX ( a ) ( XXXX ) ( XXXX ) XXXX -CODE XXXX : Covered loans or Applications for which the credit did not considered *payments made on the account and funds of escrow provided such as XXXX percent down Borrowers XXXX XXXX XXXX and XXXX XXXX gave XXXX XXXX Mortgage in the amount of XXXX. To obtain XXXX percent XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Currently XXXX year and XXXX months past origination date of loan XXXX the amount showing on credit bureaus after monthly payments of XXXX from XXXX to XXXX which accounts to XXXX months to close year XXXX is XXXX. In addition to the XXXX down payment initial escrow and the unreported credited Tax Proration Debited to Sellers and Credited to Buyers. Total of over XXXX unreported dollars XXXX XXXX XXXX XXXX XXXX who accepted the loan transfer from Primary Residential Mortgage to hide those funds and make a profit from a loan that they willingly and knowingly violated all legal Federal Laws to damage the Borrowers and also did not have mercy on damaging a perfect XXXX XXXX and disclosed all personal and private information and addressed a threat mailed to the property address to : XXXX XXXX who never lived, or has ever received mail on XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. \nXXXX never signed any contract with original lender Primary Residential Mortgage XXXX never signed any contract with Second Mortgage Securing original Lender with XXXX XXXXXXXX XXXX XXXX Payment Assistance XXXX percent down. Known as XXXX XXXX. \nXXXX never signed a contract with XXXX, XXXX, or Hazard Insurance Citizen ( Accord or XXXX XXXX ) *Documents provided on XXXX report generated in response to the main report on disputed Account on his personal experian account after he sent by certified mail a letter on XXXX to Validate the dept and the account was reported as accurate and meets the FDCP and FCA and he remarked that he disagreed. \nXXXX XXXX CFPB Complaint # XXXX DATE Origination on XX/XX/XXXX XXXX XXXX XXXX Complaint # # XXXX DATE Origibation on XX/XX/XXXX CFPB Style : XXXX is XXXX -Lismey XXXX month prior to XXXX XXXX submitting this complaint had complaint and XXXX CFPB of revision in the reporting and XXXX discrepancies of XXXX payoffs issued within XXXX month all dating the month of XXXX and XXXX. False statements provided by the same agents responded the complaint and no further action was taken by CFPB. \n-How more obvious can a XXXX be if XXXX year past purchase the account is only XXXX percent paid off? \nThe documents are clearly tampered such as a blurry image of the XXXX Anual Interest Tax Reported before the end of the Year of XXXX for the lender to obtain on behalf of the Borrowers an additional tax credit for First Time Buyers of XXXX and they have clearly violated all laws of IRS Department of Treasury by. XXXX XXXX FHA Loan is TAX EXEMPT and as Security for XXXX Mortgage the Doc of Intangible and Doc Stamp File is free. Also purchase was on 7 months and 10 days meaning : On the first of XXXX the Tax Proposed was passed for Notices to be received starting on XXXX. Lender was fully aware of Tax to be paid on XXXX was XXXX PRORATION : MONTHLY OF TAX YEAR XXXX : XXXX divided by 12 months is XXXX DAILY OF TAX YEAR XXXX : On XX/XX/XXXX divided by 31 days is XXXX -Sellers had to pay the Property Tax Proration for 7 months and 10 days. XXXX and XXXX XXXX owed to Buyers XXXX dollars for 7 months and XXXX dollars in days TOTAL : XXXX Credited to Buyers - Buyers current owners only had to pay 6 months and 21 days. XXXX XXXX XXXX and XXXX XXXX owed XXXX dollars for 6 months and XXXX dollars in days. TOTAL : XXXX Credited to XXXX Account. \nAffordable Housing requires no more than XXXX dollars for compensation of realtor. No more than XXXX dollars for XXXX XXXX, etc. Lender Declaration of IRS VIOLATION is clearly Stated in the Tampered proofs provided on CFPB and is obvious that XXXX Year Later after Borrower paid. \nYEAR XXXX DOWN PAYMENT : XXXX - TAX PRORATION : XXXX -FIVE MONTHLY PAYMENT FROM XX/XX/XXXX TO XX/XX/XXXX OF XXXX EQUALS XXXX TOTAL COLLECT Principal, Interest, Escrow ( Tax+Insurance ) XXXX MONTHS-PRINCIPAL XXXX MONTHLY PAYMENT : XXXX XXXX MONTHS OF INTEREST XXXX MONTHLY PAY : XXXX XXXX MONTHS ESCROW XXXX MONTHLY XXXX XXXX MONTHS OF Principal, Inters, Escrow TOTAL XXXX Escrow Account Should Have also been allocated the Funds of Tax Proration and The Down Payment from Buyers funds post no more than XXXX in closing cost as an additional XXXX Downpayment after closing purchase cost : XXXX Plus Credit from Sellers to Buyers for Tax : XXXX XXXX End Of The Year Total XXXX plus XXXX paid to Escrow is XXXX MINUS PROPERTY TAX : XXXX MINUS CITIZEN INSURANCE : XXXX BECAUSE PROPERTY INSURANCE IS PAID ON XXXX MINUS XXXX XXXX XXXX : XXXX MINUS MORTGAGE INSUR : XXXX XXXX IS ILLEGAL UNDER A FEDERAL ASSISTANCE TOTAL DISBURSED ESCROW : XXXX MINUS XXXX IS : XXXX -TOTAL ESCROW BEGINNING XXXX OF THIS YEAR IS SHOWING THAT ON XXXX THE XXXX PLUS 3 MONTHS OF XXXX ILLEGAL MORTGAGE INSURANCE TOTAL OF XXXX EQUAL TO DISBURSEMENT AMOUNT OF XXXX SUBTRACTED FROM THE SUM OF 2 MONTHS OF ESCROW XXXX THAT IS XXXX MINUS THE ESCROW FUNDS HELD OF XXXX THAT EQUALS TO A DEPOSIT OF XXXX NEVER EVEN CLOSE TO THE XXXX DOWNPAYMENT PLUS THE CREDIT OF TAX. Mortgage Documents say the XXXX mortgage was : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX mortgage was : XXXX - -Original Dept was : XXXX *THE CREDIT REPORTS ON ALL BORROWERS AND THE VICTIMIZED NON BORROWER AND NON RESIDENT OF THE PROPERTY XXXX XXXX CONFIRM INITIAL LOAN XXXX XXXX XXXX BUT ONLY XXXX PERCENT OF THIS LOAN HAS BEEN PAID AFTER XXXX MONTHS THAT BREAK DOWN INTO XXXX MONTHS XXXX THAT IS : XXXX XXXX MONTHS XXXX THAT IS : XXXX TOTAL PAID TO DATE MONTHLY PAYMENT : XXXX NOTE : THE XXXX  MONTHS XXXX WRONG OF : XXXX IS A MISTAKE IN YOUR END OF THE YEAR XXXX ANUAL ESCROW STATEMENT. XXXX End of The Year XXXX PLUS XXXX TOTAL XXXX PLUS XXXX ESCROW FUNDS BALANCE AFTER TAX DEDUCTION XXXX TOTAL AMOUNT OF LOAN PAID BY MY OVER ASSESSED BORROWER TOTAL XXXX DEDUCT YOUR PRINCIPAL OF XXXX PRINCIPAL DECLARED : XXXX DEDUCT YPUR PRINCIPAL OF XXXX MONTHS XXXX PRINCIPAL : XXXX DEDUCT YOUR INTEREST OF XXXX INTEREST DECLARED : XXXX DEDUCT XXXX CITIZEN INSURANCE XXXX DEDUCT XXXX CITIZEN INSURANCE PRORATION XXXX MONTHLY XXXX MONTH IS XXXX DEDUCT XXXX AND XXXX CITIZEN XXXX ANUAL PAYMENT THAT IS XXXX TOTAL TO DEDUCT IS XXXX TOTAL AMOUNT OWED ON THIS DAY XX/XX/XXXX IS XXXX FOR A TOTAL OF TOTAL OWED : XXXX ADJUST THE XXXX : XXXX TOTAL OWED IS : XXXX or Credit my Tax Return of XXXX you claimed on my behalf while breaching several laws and we end up in the same number. OF THE PROPERTY XXXX XXXX CONFIRM INITIAL LOAN AMOUNT OD XXXX BUT ONLY XXXX PERCENT OF THIS LOAN HAS BEEN PAID AFTER XXXX MONTHS THAT BREAK DOWN INTO XXXX MONTHS XXXX THAT IS : XXXX 12 MONTHS XXXX THAT IS : XXXX TOTAL PAID TO DATE MONTHLY PAYMENT : XXXX NOTE : THE 12 MONTHS XXXX WRONG OF : XXXX IS A MISTAKE IN YOUR END OF THE YEAR XXXX ANUAL ESCROW STATEMENT. XXXX End of The Year XXXX PLUS XXXX TOTAL XXXX PLUS XXXX ESCROW FUNDS BALANCE AFTER TAX DEDUCTION XXXX TOTAL AMOUNT OF LOAN PAID BY MY OVER ASSESSED BORROWER TOTAL XXXX DEDUCT YOUR PRINCIPAL OF XXXX PRINCIPAL DECLARED : XXXX DEDUCT YPUR PRINCIPAL OF 12 MONTHS XXXX PRINCIPAL : XXXX DEDUCT YOUR INTEREST OF XXXX INTEREST DECLARED : XXXX DEDUCT XXXX CITIZEN INSURANCE XXXX DEDUCT XXXX CITIZEN INSURANCE PRORATION XXXX MONTHLY 5 MONTH IS XXXX DEDUCT XXXX AND XXXX CITIZEN XXXX ANUAL PAYMENT THAT IS XXXX TOTAL TO DEDUCT IS XXXX TOTAL AMOUNT OWED ON THIS DAY XX/XX/XXXX IS XXXX FOR A TOTAL OF TOTAL OWED : XXXX ADJUST THE XXXX : XXXX TOTAL OWED IS : XXXX or Credit my Tax Return of XXXX you claimed on my behalf while breaching several laws and we end up in the same number. \n\n-Document XXXX -Folder XXXX -Client Bayview Loan Servicing LLC XXXX XXXX XXXX XXXX Type XXXX -Document Type Security Instrument ( Copy ) -Loan Number XXXX -Client Reference XXXX -Borrower XXXX XXXX XXXX XXXX Amount {$16000.00} XXXX XXXX, FL XXXX Address XXXX XXXX XXXX XXXX -Organization Primary Residential Mortgage XXXX XXXX. \n-Closing Date XX/XX/XXXX -Trigger Date XX/XX/XXXX -Received Date XX/XX/XXXX -Investor Florida HFA Seconds -Client XXXX XXXX -Security Instrument ( Copy ) XXXX XXXX Number XXXX \n-Original XXXX was XXXX XXXX XXXX XXXX \n-Lakeview XXXX XXXX XXXX XXXX the mortgage filed under MERS with a Florida XXXX XXXX Assistance XXXX the mortgage. \n-I am requesting all the creditor/debtor informationI.Name and Address of XXXX XXXX : XXXX. Name on XXXX of XXXX XXXX : XXXX. Alleged Account # XXXX. Address on XXXX for XXXX XXXX : _ XXXX. Amount of alleged debt : XXXX. Date that this alleged debt became payable : _ XXXX of original charge : XXXX. Was this debt assigned to debt collector or purchased? \nXXXX. XXXX paid if debt was purchased : XXXX. Commission for debt collector if collection efforts are successful : XXXX. Please attach a copy of the agreement with your client that grants you the authority to collect this alleged debt. Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector XXXX. Please attach a copy of any agreement that bears the signature of debtor, wherein XXXX agreed to pay creditor. \nPlease attach copies of all statements while this account was open. \nXXXX. Have any insurance claims been made by any creditor regarding this account? Y /N Have any judgments been obtained by any creditor regarding this account? XXXX XXXX XXXX. Please provide the name and address of the bonding agent for the collector, in case legal action becomes necessary : XXXX. Authorized Signature For Creditor","date_sent_to_company":"2025-01-22T19:42:11.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33167","tags":null,"has_narrative":true,"complaint_id":"11478640","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2025-01-11T08:19:45.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Have any insurance <em>claims</em> been made by any creditor regarding this account? Y /N Have any judgments been obtained by any creditor regarding this account? XXXX XXXX XXXX. Please provide the name and address of the <em>bonding</em> agent for the collector, in case legal action becomes necessary : XXXX. Authorized Signature For Creditor"]},"sort":[8.9760065,"11478640"]},{"_index":"complaint-public-v1","_id":"13793387","_score":8.279143,"_source":{"product":"Debt collection","complaint_what_happened":"The UCC NON-AUTHORITATIVE COPY has a lot of inconsistency, errors and discrepancy between the terms I agreed to with the dealer and the terms the lenders. This retail installment sales contract is not a true copy of the original but more like a forgery copy.\n\nThe first error is this forgery copy is the high interest rate. The interest rate for this copy contract is 23.92 %. This is what you call usury. Under Fl. Stat. Chapter 687 and under Fl. Usury laws states the maximum permissible interest rates in Florida for a simple interest rate for loans under {$500000.00} is 18 % per annum and loans above {$500000.00} is 25 % per annum. The usury laws apply to a wide range of loans especially for consumer loans. My alleged loan is {$40000.00}. This is way under {$500000.00}. Why wasnt this disclosed to me? Whoever violated any of the provisions of Fl. Usury Laws that commits a felony of the third degree, punishable as provided in this chapter.\n\nSAFCO can not enforce any collection of any sum of money or other obligation at a rate of interest greater than 18 % percent of annum, simple interest indirectly. Therefore, you do not have the authority or ability to collect and I am in no way obligated to repay any sum of money when my interest rate exceeds 18 %. This constitutes unsury in its purest form and is a violation of Fl. Usury Law. The law states that delinquency charges for monthly payments can not exceed {$15.00}. This too is in error because the delinquency charge according to the XXXX each month is {$25.00}. This is over killed.\n\nThis UCC NON-AUTHORITATIVE COPY was forged after the financial transaction was completed. The dealer and Safco objection was with the intent to deceive me. The true terms were manipulated in a deceiving, and extorting way.\n\nForgery is a serious offense with potential legal consequences, including fines, imprisonment, and a criminal record.\n\nWhy wasnt the true annual percentage interest rate under the Truth In Lending Act wasnt disclosed to me?\n\nIf SAFCO is claiming that this alleged debt is owed, where is the contractual agreement contract between myself and SAFCO binding us both, the lender and borrower through a covenant. Show me the documentation. I am requesting for the lenders agreement terms as well as the dealer agreement terms so I can compare it to my retail installment sales contract with the other two parties. This XXXX ( risk ) contract is between the seller and the buyer not the lender and the buyer. This deceptive practice has lead me to a buyer remorse state of mind. SAFCO has caused me great deal of injury, pain and suffering by having a financial strain on my finances under unfair loan terms which was very difficult for me to repay. I wasnt aware of these acts until SAFCO had my vehicle wrongfully repossessed. How could I have known about this? It has affected my financial informed purchasing decision which I felt into SAFCO predatory lending practices nor could I have protected my financial interests due to lack of disclosures.\n\n12 CFR 1024.36 is a request for information, acknowledgment of receipt and response to the information request.\n\nPlease operate in good faith and honor, but most of all be truthful. I will ask SAFCO and XXXX OF XXXX XXXX ( seller ) a series of questions that require to be answered in full explicitly details so I can understand these terms of the agreement.\n\n1. If SAFCO claims that there is a contractual agreement between the buyer and the alleged lender. Why wasnt the buy rate known as the net rate on the auto loan disclosed to me per the Truth In Lending Act?\n\n2. Can SAFCO disclose to me the buy rate to allow me to be aware and understand if I was charged a higher interest rate than necessary?\n\n3. SAFCO claims that there is a loan. Is it possible for a loan to be disguised as an extension of credit, or for an extension of credit to be disguised as a loan?\n\n4. Can SAFCO provide proof of the UCC financial statements filed naming the secured party as creditor?\n\n( the originator acts as servicer and not the issuing SPE who typically retains possession of the contract as custodian to perform the necessary servicing functions. If the originator transferred possession of the contract to a third party, that will enable the third party to have priority over the rated note holders ) 5. I am requesting for a written detailed explanation of how my {$3500.00} down payment was applied and why it didnt reduce the allegedly loan principal? \nWas there an error or miscalculation, hidden fees or charges, or a misleading practices? ( XXXX OF XXXX XXXX ( seller ) 6. Do you agree that this retail installment sales contract, which is a bill of sale, the collateral is over-collateralized? ( owing more than what it is truly worth ) XXXX. Can XXXX disclosed the markup price on the interest rate on the alleged loan and how much did the dealer profited off the markup? \nXXXX. What was the loan-to-value ratio of the loan and in your opinion was the XXXX a positive or negative equity?\n\n9. Was this a simplified process, meaning did SAFCO preferred to handle the contracts directly with the dealer, by keeping me, the borrower involvement limited to the core loan terms and disclosures?\n\n10. Contract law states that a contract is an agreement between two parties, creating a mutual obligation that is enforceable by law. This agreement involves an offer by one party and an acceptance by the other along with consideration ( money ). Id theres a contact between myself and Southern Auto Finance Company ( SAFCO ) LLC, SAFCO Auto Depositor , LLC, SAFCO Auto Receivables Trust 2022-1 and SAFCO Auto Receivables Trust 2024-1? ( Do not send me the buyer and seller XXXX between myself and XXXX ) XXXX. Is it true, that most lenders want to ensure that their contracts are legally sound and compliant with regulations, so whenever a borrower requests a full dealership contract between a lender and dealer to compare it against the borrowers contract. Does the request get denied because lenders might not wont borrowers to see the terms that could be interpreted as hidden or deceptive?\n\n12. Do SAFCO sells its accounts receivable ( invoices ) to a third party and/or third parties at a discount to obtain immediately cash flow?\n\n13. Since, the claim is made against me owing an alleged debt, did this transaction qualified as a true sale or a secured loan?\n\n14. What was the economic substance of the transaction and not its legal form?\n\n15. Do SAFCO benefit from its off-balance financing sheet by structuring transactions as a sale that allows them to remove the asset and associate debt from its balance sheet, improving their financial ratios like debt-to-equity that can be very attractive to investors?\n\n16. Is SAFCO intentions is to aim to maximize profits by charging high interest rates, high fees and usury to its new customers under the guise of legitimate products like MCAs?\n\n17. Do SAFCO exploits vulnerable consumers like myself by leveraging due to my lack of financial literacy?\n\n18. Why is the true nature of a financial transaction at its core?\n\n19. An auto loan and a XXXX are two different things but why does it show on my credit report that it is an auto loan when that is not the case. What is the nature of the auto loan thats being reported inaccurately on my report?\n\n20. Was this financial transaction systematically documented in SAFCO accounting records that provides a chronological order to include the history of purchases, sales, payments ( receivables ), receipts, transfers and the creation or liquidation of financial assets and liabilities?\n\n21. Who are the underwriters for SAFCO concerning the alleged loan agreement?\n\n22. SAFCO extends credit to borrowers, Fl. Stat. 687.071 ( d ) making a loan of money. Where did the funds originated from and if its borrowed money, where is the proof that the money was given to me?\n\n23. According to the original agreement who was to loan what to whom?\n\n24. Does the {$40000.00} note has the actual cash value of {$40000.00}, meaning can you sell this contract for {$40000.00} and receive the cash?\n\n25. Do you have any personal knowledge of the signing of the said contract?\n\n26. Did SAFCO willfully and intentionally knowingly charged a rate exceeding 23.92 % per annum meaning SAFCO conspired to do so without thinking about the after effect or the consequences it may had on me?\n\n27. According to the FDIC it states that a lender structuring a transaction as a guise for an alleged loan, often for fraudulent purposes involve red flags like invalid documents, undisclosed debts, and inconsistent information. Then it goes on to say that if a lenders fails to follow standard due diligence, such as verifying the borrowers ability to repay or verifying the collateral. What was the transactions implications?\n\n28. According to your understanding of the agreement, how much cash value must SAFCO loan to the borrower, in order for SAFCO to legally fulfill the agreement and legally own the contract?\n\n29. Does you agree that they borrower agreed to provide SAFCO with {$40000.00} of actual cash value, which was then used to fund the {$40000.00} Lon check back to the same borrower and then agreed to repay SAFCO back the {$40000.00} plus usury interest?\n\n30. Did the agreement call for an exchange or swap of {$40000.00} to be swapped out for another {$40000.00} or did it call for a {$40000.00} loan?\n\n31. Do SAFCO or the XXXX acquires the risks associated with the securitised assets if the borrower defaults?\n\n32. Explain to me the true sale of the securitisation process and is the true sale the transfer of structure under legal principles meaning the assets are legally isolated from SAFCO and that investors can have a clear claim to the cash flow!\n\n33. Due to the uninformed use of credit, SAFCO has misled me by holding out key relevant information from me that cloudy my informed decision making causing me to use up more credit that wasnt needed. I didnt understand the terms and conditions of the contract or the true cost of the credit. Do you agree that SAFCO negligence caused an extremely amount of uninformed use of my credit to be used as unauthorized charges on my account?\n\n34. What is the contract ID to verify that my retail installment sales contract was converted into an interest-bearing security to be traded on the secondary market?\n\n35. If the borrower never received payment from a lender, is theres a strong possibility that the loan agreement is invalid, a breach of contract and the borrower wouldnt no longer be obligated to repay it?\n\n36. What is the legitimacy of the loan and SAFCO claim?\n\n37. Did the funds come from a warehouse facility, which allows lenders to fund loans without using their own capital, SAFCO capital, the borrowers trust account or investors and whos participating in the securitisation of the two auto ABS transactions?\n\n38. Is it illegal for any lender to convert a XXXX into a bond during the securitisation process without providing adequate notice to the consumer due to the FCRA and TILA?\n\n39. What the chain of title broken after the securitisation? Who has legal ownership and has the loan been sold?\n\n40. What investment bank has my contract?\n\n41. How much did SAFCO pay the dealer to attain my contract?\n\n42. Does the agreement explicitly states that the loan would be transferred to a SPV ; a bankruptcy remote trust?\n\n43. When a borrower defaults on its obligations, does diversification and credit enhancement is used to mitigate risk for SAFCO so they will never incur a loss?\n\n44. Do SAFCO earns net interest margin, while the interest rate is paid to the certificate holders? \nXXXX. XXXX or SAFCO did not give me full disclosure. The law states lenders are required to give consumers full disclosure in a way they could grasp the concept. I was not informed that I would be creat\n\ning a security, even if the lender or dealer wrote it in fine print it supposed to be clear and conspicuous to the buyer. This is not full disclosure but a deceptive common practice thats doesnt make it legal. 46. Where is th\ne transparency, SAFCO?\n\nPlease answer each question in full detailed explanation. UCC 9-210 is the request for accounting of my account. Please provide to me the full accounting of the account.","date_sent_to_company":"2025-05-29T11:00:46.000Z","issue":"False statements or representation","sub_product":"Auto debt","zip_code":"30047","tags":null,"has_narrative":true,"complaint_id":"13793387","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Southern Auto Finance Co","date_received":"2025-05-29T09:29:17.000Z","state":"GA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Do SAFCO earns net interest margin, while the interest rate is <em>paid</em> to the certificate holders? \nXXXX. XXXX or SAFCO did not give me full disclosure. The law states lenders are required to give consumers full disclosure in a way they could grasp the concept. I was not informed that I would be creat\n\ning a <em>security</em>, even if the lender or dealer wrote it in fine print it supposed to be clear and conspicuous to the buyer."]},"sort":[8.279143,"13793387"]},{"_index":"complaint-public-v1","_id":"2765033","_score":8.113841,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Statement of claim - i XXXX XXXX XXXX and i XXXX XXXX XXXX did not give permission for any banks involved to use my private and personal information to create any loans transactions nor accounts. My private information and personal information has been stolen and used by way of identity theft to create such loans securities and such the like. I ( we ) have made every attempt to settle these matters and now are filing claims in federal state court ( s ).\n\n1. THE PARTIES Comes now the Real Party ( s ) In Interest XXXX XXXX XXXX, and XXXX XXXX XXXX is now, and at all times relevant to this action, the real property owners and residents of XXXX XXXX of XXXX XXXX, State of CALIFORNIA. \nDefendant ( s ), XXXX XXXX Bank Servicer,  alleged to acquire certain assets from XXXX XXXX Bank XXXX and XXXX XXXX, XXXX XXXX XXXX alleged to have acquired servicing rights from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX  alleged originator of Refinanced loan attempt, also the Nominee and beneficiary, XXXX XXXX XXXX XXXX and or XXXX XXXX, the alleged Trustee, XXXX XXXX XXXX XXXX XXXX also known as the alleged Trustee on behalf of XXXX Bank unknown in relationship as to Trustee, 2. JURISDICTION The real property is located at XXXX XXXX XXXX XXXX XXXX CA [ XXXX ] Aka the Republic of California as well the alleged transactions and events which are the subject matter of this Claim all occurred within the XXXX of XXXX XXXX, State of CALIFORNIA. Wherein XXXX XXXX alleged to service mortgage loan as well alleged to acquire loan from XXXX mortgage, and certain assets from XXXX XXXX Bank, XXXX XXXX XXXX XXXX or hidden under XXXX XXXX  XXXX, XXXX XXXX XXXX as the Trustee, XXXX XXXX XXXX also Trustee, on the behalf of XXXX Bank unknown, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX the alleged Investor Nominee and Beneficiary of the alleged mortgage loan. All banks and employees alleged to be conducting banking and real-estate business within the state of California county of XXXX XXXX, publishing deeds recordings and notary documents unverified. \n\nDefendant used deceptive debt collection practices to attempt to create a contract by way of payment stated on their letter head We are a debt collector. This communication is an attempt to collect a debt and any information obtained will be used that purpose. However, to the extent your original obligation was discharged or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this notice is for compliance with non-bankruptcy law and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. Nothing in this letter ( including our use of the words \" your, '' \" loan, '' mortgage, '' or \" account '' ) means that you 're required to repay a debt that 's been discharged. Any payment you make on the account is voluntary, but we may still have rights under the security instrument, including the right to foreclose on the property. \nlf you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney 's name, address, and telephone number. \nThis is deceptive due to the fact that many attempts where made on the behalf of the Plaintiffs to removed the debt with offer ( s ) to pay, accepted for value return for value aka discharge and a bond money order which was not rejected in writing nor in explanation with a legal notarized document with agent or officer signature explanation as to why or why not offers where not excepted within the legal bylaws UCC laws etc, .. \nDefinition - Acceptance for Value is a remedy available only in commercial law ( the Uniform Commercial Code or UCC ). One can accept for value ONLY a commercial instrument that has been issued for value, that is when 1.  ) the instrument has been issued to generate value where there is NO prior value ; AND when 2. ) the instrument ( such as a bill or a charge ) has NO signed contract to back it up. \nIn short, an instrument issued for value is an OFFER TO CONTRACT from someone ( the ISSUER ), unbacked by a pre-existing, written contract, in which that person is attempting to get YOU to give value to that instrument by having you falsely believe that you owe money when you, in fact, owe nothing. HOW you respond, determines whether YOU or the ISSUER becomes liable for the amount claimed. If you ignore the offer ( and therefore dishonor the person making the offer ) or give it a blank endorsement ( with your signature only ), you have assumed liability for the amount specified. However, if you give the instrument a qualified endorsement or conditional acceptance ( by accepting it for value ), you have, in fact, made a counteroffer, and kept yourself in honor by responding to the original offer, and thereby kept the liability on the ISSUER. In the case of a bill sent to you, your qualified endorsement via accepted for value keeps the ISSUER liable for the money claimed NOT you! You retain your status as the creditor in the situation, and it is up to YOU whether that instrument ( the bill or charge you received ) becomes a negotiable instrument ( money ) with which you can settle the account. You can either accept for value, placing all liability for payment on the original issuer ; OR you can accept for value and then specify that the money will be paid using the money created by your government bond created by your Birth Certificate under the emergency laws enacted following the bankruptcy of the U.S. in XXXX. ( Note : In the bankruptcy of XXXX the U.S. government took ownership of all land and possessions of the American people, including the people themselves as surety for further loans from the Federal Reserve and the international bankers. Under the legal TRUST created by the U.S. Constitution, such a taking action would have been  outright theft and fraud, so the government was required to offer a remedy to the people, as the beneficiaries of that TRUST, in order to exercise their rights, if they so choose. ) Since the issuer had NO signed, written contract to back his claim, he was forced to issue for value ( i.e., issue it in an attempt to create value ) his instrument ( whether a bill, legal indictment, traffic ticket or other violation of a statute, any demand for payment, or whatever ). In essence, the issuer is throwing you a hot potato and is hoping you will be ignorant enough to simply accept the instrument as a contract offer as it is ; and give it value by ignoring it or by your blank endorsement ; and to thereby accept the liability for paying it. If you accept it for value and return it for value, you have tossed him back the hot potato in the form of a counteroffer, so that he ( the issuer ) becomes liable for the amount of money specified in his original instruments claim, unbacked by any pre-existing contract. \nConsequently, the instrument issued pays the instrument! The original issuer pays the original issue he pays himself. Therefore, the transaction is balanced to zero and closed. \nOf note : In ALL penal actions for violations of STATUTES, the national debt is the PRESUMED preexisting contract, for purchase, that influences the conscience of the judge in making his decisions. Since under the Laws of XXXX and the Natural Law ( derived from XXXX Law ), ALL men are equal in authority. Therefore, no man or body of men can legitimately coerce or force another man to do something against his wishes and will! Consequently, under the Common Law, and international commercial law, NO man can be forced into a contract against his wishes, AND there must be equal consideration ( things of equal VALUE ) exchanged between the parties, with full disclosure of information, in order for a contract to be valid. It appears that today, few Americans realize that under long-standing international law, ALL legislated STATUTES or ACTS by any legislative body are mere OFFERS TO CONTRACT, which any individual man has the right to accept or refuse, as he wishes. One must remember that since XXXX, ALL statutes ( legislated laws ) in the U.S. exist to pay back the national debt of the U.S. to the Federal Reserve banks and other U.S. creditors and they want you to agree and consent to be liable for this debt! Therefore, if a district attorney issues an information ( similar to an indictment, but not requiring a grand jury ) to you charging you with a crime, you have three choices  regarding his offer to contract. First, you can IGNORE it, in which case you are in dishonor and assume liability for payment in either money or service in prison to repay the national debt. Second, you can SIGN it without conditions ( called an unqualified endorsement or blank endorsement ), then you have created a negotiable instrument by giving it value and have assumed liability for paying it, which can then be enforced by the issuer ( the district attorney as the government ) to help pay off the national debt. OR third, you can sign the information with a qualified endorsement using accept for value ( a  counteroffer ), by which you give that instrument a monetary value, but keep the liability for paying it on the ISSUER. So, in the case of legal charges against you by a district attorney or a court clerk ( usually by a traffic ticket issued by a police officer ), through an accept for value endorsement you have avoided all liability ; and kept the liability for payment ( as money and/or a prison sentence ) on the district attorney and/or court clerk it is then, THEY who need to pay the fine or fulfill the imposed prison sentence for that statute violation ; NOT you, since you did not accept liability. They tossed a hot potato to you and expected you to pay. But since they had NO signed, written contract in which you agreed to obey that particular statute, they were required under U.C.C. commercial law to issue that document for value that is, to issue it in the hope that YOU would give it value AND take liability for paying it by accepting it without any qualifications. However, by your accept for value qualified endorsement, you agreed to it and gave it its value, but declined to accept liability for payment. Then by returning the instrument ( the charges against you ), you tossed the hot potato back to them and kept THEM liable for any payments! This system may sound XXXX, but this is how the financial and legal system was set up following the XXXX bankruptcy of the U.S.,  along with the amended extensions of national emergency of XXXX and XXXX. When you go to court, you go to a legislative-statutory court in essence, a XXXX court operating under the UCC bankruptcy code whose sole purpose is to fund the national debt NOT into a true judicial court. You are PRESUMED guilty and are subject to a summary judgment without any trial by jury, unless you simultaneously convene your OWN court-of-record under the Common Law within that courtroom. And that system is still in effect today within the U.S. \nReal Party ( s ) In Interest would prefer a quick resolution. We pray that this can be resolved asap or we shall prey on these factual evidences that has been provided to the Defendant and company for the past eight ( 8 ) years and therefore does not possess that of the Real Party ( s ) In Interest property and home. \nXXXX XXXX XXXX has and will and has attempted to report this alleged mortgage loan created out of identity theft which is fraud, creating an extension of the identity theft. Therefore nothing presented by XXXX XXXX Bank XXXX XXXX XXXX whom is out of business, or inactive and not reachable, not limited to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, employees such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and all other known and unknown banks involved and their employees. Any attempts of reporting such a debt that must and has by XXXX XXXX records of accounts shall be blocked by all credit reporting agencies or each one will be aiding and abetting in deed fraud, an alleged mortgage loan, and identity theft, leading to extortion, which claims are being filed at this moment against all banks and personnel involved, not limited to corporations government agencies and others.","date_sent_to_company":"2017-12-27T17:19:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93536","tags":null,"has_narrative":true,"complaint_id":"2765033","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-12-27T17:19:22.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Statement of <em>claim</em> - i XXXX XXXX XXXX and i XXXX XXXX XXXX did not give permission for any banks involved to use my private and personal information to create any loans transactions nor accounts. My private information and personal information has been stolen and used by way of identity theft to create such loans <em>securities</em> and such the like. I ( we ) have made every attempt to settle these matters and now are filing <em>claims</em> in federal state court ( s ).\n\n1."]},"sort":[8.113841,"2765033"]},{"_index":"complaint-public-v1","_id":"2765007","_score":8.113841,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Statement of claim - i XXXX XXXX XXXX and i XXXX XXXX XXXX did not give permission for any banks involved to use my private and personal information to create any loans transactions nor accounts. My private information and personal information has been stolen and used by way of identity theft to create such loans securities and such the like. I ( we ) have made every attempt to settle these matters and now are filing claims in federal state court ( s ).\n\n1. THE PARTIES Comes now the Real Party ( s ) In Interest XXXX XXXX XXXX, and XXXX XXXX XXXX is now, and at all times relevant to this action, the real property owners and residents of the County of XXXX XXXX, State of CALIFORNIA. \nDefendant ( s ), XXXX XXXX XXXX XXXX, alleged to acquire certain assets from XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX alleged to have acquired servicing rights from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX  alleged originator of Refinanced loan attempt, also the Nominee and beneficiary, XXXX XXXX XXXX XXXX and or XXXX XXXX, the alleged Trustee, XXXX XXXX XXXX XXXX XXXX also known as the alleged Trustee on behalf of XXXX XXXX unknown in relationship as to Trustee, 2. JURISDICTION The real property is located at XXXX XXXX XXXX XXXX XXXX CA [ XXXX ] Aka XXXX XXXX XXXX California as well the alleged transactions and events which are the subject matter of this Claim all occurred within the County of XXXX XXXX, State of CALIFORNIA. Wherein XXXX XXXX alleged to service mortgage loan as well alleged to acquire loan from XXXX XXXX, and certain assets from XXXX XXXX XXXX, XXXX XXXX Funding d.b.a or hidden under XXXX XXXX XXXX, XXXX XXXX XXXX as the Trustee, XXXX XXXX XXXX also Trustee, on the behalf of XXXX XXXX unknown, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX the alleged Investor Nominee and Beneficiary of the alleged mortgage loan. All banks and employees alleged to be conducting banking and real-estate business within the state of California county of XXXX XXXX, publishing deeds recordings and notary documents unverified. \n\nDefendant used deceptive debt collection practices to attempt to create a contract by way of payment stated on their letter head We are a debt collector. This communication is an attempt to collect a debt and any information obtained will be used that purpose. However, to the extent your original obligation was discharged or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this notice is for compliance with non-bankruptcy law and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. Nothing in this letter ( including our use of the words \" your, '' \" loan, '' mortgage, '' or \" account '' ) means that you 're required to repay a debt that 's been discharged. Any payment you make on the account is voluntary, but we may still have rights under the security instrument, including the right to foreclose on the property. \nlf you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney 's name, address, and telephone number. \nThis is deceptive due to the fact that many attempts where made on the behalf of the Plaintiffs to removed the debt with offer ( s ) to pay, accepted for value return for value aka discharge and a bond money order which was not rejected in writing nor in explanation with a legal notarized document with agent or officer signature explanation as to why or why not offers where not excepted within the legal bylaws UCC laws etc, .. \nDefinition - Acceptance for Value is a remedy available only in commercial law ( the Uniform Commercial Code or UCC ). One can accept for value ONLY a commercial instrument that has been issued for value, that is when 1. ) the instrument has been issued to generate value where there is NO prior value ; AND when 2. ) the instrument ( such as a bill or a charge ) has NO signed contract to back it up. \nIn short, an instrument issued for value is an OFFER TO CONTRACT from someone ( the ISSUER ), unbacked by a pre-existing, written contract, in which that person is attempting to get YOU to give value to that instrument by having you falsely believe that you owe money when you, in fact, owe nothing. HOW you respond, determines whether YOU or the ISSUER becomes liable for the amount claimed. If you ignore the offer ( and therefore dishonor the person making the offer ) or give it a blank endorsement ( with your signature only ), you have assumed liability for the amount specified. However, if you give the instrument a qualified endorsement or conditional acceptance ( by accepting it for value ), you have, in fact, made a counteroffer, and kept yourself in honor by responding to the original offer, and thereby kept the liability on the ISSUER. In the case of a bill sent to you, your qualified endorsement via accepted for value keeps the ISSUER liable for the money claimed NOT you! You retain your status as the creditor in the situation, and it is up to YOU whether that instrument ( the bill or charge you received ) becomes a negotiable instrument ( money ) with which you can settle the account. You can either accept for value, placing all liability for payment on the original issuer ; OR you can accept for value and then specify that the money will be paid using the money created by your government bond created by your Birth Certificate under the emergency laws enacted following the bankruptcy of the U.S. in 1933. ( Note : In the bankruptcy of 1933 the U.S. government took ownership of all land and possessions of the American people, including the people themselves as surety for further loans from the Federal Reserve and the international bankers. Under the legal TRUST created by the U.S. Constitution, such a taking action would have been outright theft and fraud, so the government was required to offer a remedy to the people, as the beneficiaries of that TRUST, in order to exercise their rights, if they so choose. ) Since the issuer had NO signed, written contract to back his claim, he was forced to issue for value ( i.e., issue it in an attempt to create value ) his instrument ( whether a bill, legal indictment, traffic ticket or other violation of a statute, any demand for payment, or whatever ). In essence, the issuer is throwing you a hot potato and is hoping you will be ignorant enough to simply accept the instrument as a contract offer as it is ; and give it value by ignoring it or by your blank endorsement ; and to thereby accept the liability for paying it. If you accept it for value and return it for value, you have tossed him back the hot potato in the form of a counteroffer, so that he ( the issuer ) becomes liable for the amount of money specified in his original instruments claim, unbacked by any pre-existing contract. \nConsequently, the instrument issued pays the instrument! The original issuer pays the original issue he pays himself. Therefore, the transaction is balanced to zero and closed. \nOf note : In ALL penal actions for violations of STATUTES, the national debt is the PRESUMED preexisting contract, for purchase, that influences the conscience of the judge in making his decisions. Since under the Laws of XXXX and the Natural Law ( derived from XXXX Law ), ALL men are equal in authority. Therefore, no man or body of men can legitimately coerce or force another man to do something against his wishes and will! Consequently, under the Common Law, and international commercial law, NO man can be forced into a contract against his wishes, AND there must be equal consideration ( things of equal VALUE ) exchanged between the parties, with full disclosure of information, in order for a contract to be valid. It appears that today, few Americans realize that under long-standing international law, ALL legislated STATUTES or ACTS by any legislative body are mere OFFERS TO CONTRACT, which any individual man has the right to accept or refuse, as he wishes. One must remember that since 1933, ALL statutes ( legislated laws ) in the U.S. exist to pay back the national debt of the U.S. to the Federal Reserve banks and other U.S. creditors and they want you to agree and consent to be liable for this debt! Therefore, if a district attorney issues an information ( similar to an indictment, but not requiring a grand jury ) to you charging you with a crime, you have three choices regarding his offer to contract. First, you can IGNORE it, in which case you are in dishonor and assume liability for payment in either money or service in prison to repay the national debt. Second, you can SIGN it without conditions ( called an unqualified endorsement or blank endorsement ), then you have created a negotiable instrument by giving it value and have assumed liability for paying it, which can then be enforced by the issuer ( the district attorney as the government ) to help pay off the national debt. OR third, you can sign the information with a qualified endorsement using accept for value ( a  counteroffer ), by which you give that instrument a monetary value, but keep the liability for paying it on the ISSUER. So, in the case of legal charges against you by a district attorney or a court clerk ( usually by a traffic ticket issued by a police officer ), through an accept for value endorsement you have avoided all liability ; and kept the liability for payment ( as money and/or a prison sentence ) on the district attorney and/or court clerk it is then, THEY who need to pay the fine or fulfill the imposed prison sentence for that statute violation ; NOT you, since you did not accept liability. They tossed a hot potato to you and expected you to pay. But since they had NO signed, written contract in which you agreed to obey that particular statute, they were required under U.C.C. commercial law to issue that document for value that is, to issue it in the hope that YOU would give it value AND take liability for paying it by accepting it without any qualifications. However, by your accept for value qualified endorsement, you agreed to it and gave it its value, but declined to accept liability for payment. Then by returning the instrument ( the charges against you ), you tossed the hot potato back to them and kept THEM liable for any payments! This system may sound INSANE, but this is how the financial and legal system was set up following the 1933 bankruptcy of the U.S., along with the amended extensions of national emergency of 1917 and 1933. When you go to court, you go to a legislative-statutory court in essence, a Maritime-Admiralty court operating under the UCC bankruptcy code whose sole purpose is to fund the national debt NOT into a true judicial court. You are PRESUMED guilty and are subject to a summary judgment without any trial by jury, unless you simultaneously convene your OWN court-of-record under the Common Law within that courtroom. And that system is still in effect today within the U.S.\n\nReal Party ( s ) In Interest would prefer a quick resolution. We pray that this can be resolved asap or we shall prey on these factual evidences that has been provided to the Defendant and company for the past eight ( 8 ) years and therefore does not possess that of the Real Party ( s ) In Interest property and home. \nXXXX XXXX XXXX has and will and has attempted to report this alleged mortgage loan created out of identity theft which is fraud, creating an extension of the identity theft. Therefore nothing presented by XXXX XXXX XXXX XXXX XXXX XXXX whom is out of business, or inactive and not reachable, not limited to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, employees such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and all other known and unknown banks involved and their employees. Any attempts of reporting such a debt that must and has by XXXX XXXX records of accounts shall be blocked by all credit reporting agencies or each one will be aiding and abetting in deed fraud, an alleged mortgage loan, and identity theft, leading to extortion, which claims are being filed at this moment against all banks and personnel involved, not limited to corporations government agencies and others.","date_sent_to_company":"2017-12-27T17:19:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93536","tags":null,"has_narrative":true,"complaint_id":"2765007","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-12-27T17:19:22.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Statement of <em>claim</em> - i XXXX XXXX XXXX and i XXXX XXXX XXXX did not give permission for any banks involved to use my private and personal information to create any loans transactions nor accounts. My private information and personal information has been stolen and used by way of identity theft to create such loans <em>securities</em> and such the like. I ( we ) have made every attempt to settle these matters and now are filing <em>claims</em> in federal state court ( s ).\n\n1."]},"sort":[8.113841,"2765007"]},{"_index":"complaint-public-v1","_id":"2764996","_score":8.113497,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Statement of claim - i XXXX XXXX XXXX and i XXXX XXXX XXXX did not give permission for any banks involved to use my private and personal information to create any loans transactions nor accounts. My private information and personal information has been stolen and used by way of identity theft to create such loans securities and such the like. I ( we ) have made every attempt to settle these matters and now are filing claims in federal state court ( s ). XXXX XXXX XXXX XXXX  transfered this loan illegally and without our knowlege therein. \n1. THE PARTIES Comes now the Real Party ( s ) In Interest XXXX XXXX XXXX, and XXXX XXXX XXXX is now, and at all times relevant to this action, the real property owners and residents of the County of XXXX XXXX, State of CALIFORNIA. \nDefendant ( s ), XXXX XXXX XXXX Servicer, alleged to acquire certain assets from XXXX XXXX XXXX  XXXX and XXXX XXXX, XXXX XXXX XXXX  alleged to have acquired servicing rights from XXXX XXXX XXXX, XXXX XXXX, XXXX, d.b.a. XXXX XXXX XXXX alleged originator of Refinanced loan attempt, also the Nominee and beneficiary, XXXX XXXX  XXXX XXXX and or XXXX XXXX, the alleged Trustee, XXXX XXXX XXXX XXXX XXXX also known as the alleged Trustee on behalf of XXXX XXXX  unknown in relationship as to Trustee, 2. JURISDICTION The real property is located at XXXX XXXX XXXX XXXX XXXX CA [ XXXX ] Aka the Republic of California as well the alleged transactions and events which are the subject matter of this Claim all occurred within the County of XXXX XXXX, State of CALIFORNIA. Wherein XXXX XXXX alleged to service mortgage loan as well alleged to acquire loan from XXXX XXXX, and certain assets from XXXX XXXX XXXX, XXXX XXXX XXXX d.b.a or hidden under XXXX XXXX XXXX, XXXX XXXX XXXX as the Trustee, XXXX XXXX XXXX also Trustee, on the behalf of XXXX XXXX unknown, XXXX XXXX XXXX Aka XXXX and XXXX XXXX XXXX XXXX Aka XXXX the alleged Investor Nominee and Beneficiary of the alleged mortgage loan. All banks and employees alleged to be conducting banking and real-estate business within the state of California county of XXXX XXXX, publishing deeds recordings and notary documents unverified. \n\nDefendant used deceptive debt collection practices to attempt to create a contract by way of payment stated on their letter head We are a debt collector. This communication is an attempt to collect a debt and any information obtained will be used that purpose. However, to the extent your original obligation was discharged or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this notice is for compliance with non-bankruptcy law and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. Nothing in this letter ( including our use of the words \" your, '' \" loan, '' mortgage, '' or \" account '' ) means that you 're required to repay a debt that 's been discharged. Any payment you make on the account is voluntary, but we may still have rights under the security instrument, including the right to foreclose on the  property. \nlf you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney 's name, address, and telephone number.\n\nThis is deceptive due to the fact that many attempts where made on the behalf of the Plaintiffs to removed the debt with offer ( s ) to pay, accepted for value return for value aka discharge and a bond money order which was not rejected in writing nor in explanation with a legal notarized document with agent or officer signature explanation as to why or why not offers where not excepted within the legal bylaws UCC laws etc, .. \nDefinition - Acceptance for Value is a remedy available only in commercial law ( the Uniform Commercial Code or UCC ). One can accept for value ONLY a commercial instrument that has been issued for value, that is when 1. ) the instrument has been issued to generate value where there is NO prior value ; AND when 2. ) the instrument ( such as a bill or a charge ) has NO signed contract to back it up.\n\nIn short, an instrument issued for value is an OFFER TO CONTRACT from someone ( the ISSUER ), unbacked by a pre-existing, written contract, in which that person is attempting to get YOU to give value to that instrument by having you falsely believe that you owe money when you, in fact, owe nothing. HOW you respond, determines whether YOU or the ISSUER becomes liable for the amount claimed. If you ignore the offer ( and therefore dishonor the person making the offer ) or give it a blank endorsement ( with your signature only ), you have assumed liability for the amount specified. However, if you give the instrument a qualified endorsement or conditional acceptance ( by accepting it for value ), you have, in fact, made a counteroffer, and kept yourself in honor by responding to the original offer, and thereby kept the liability on the ISSUER. In the case of a bill sent to you, your qualified endorsement via accepted for value keeps the ISSUER liable for the money claimed NOT you! You retain your status as the creditor in the situation, and it is up to YOU whether that instrument ( the bill or charge you received ) becomes a negotiable instrument ( money ) with which you can settle the account. You can either accept for value, placing all liability for payment on the original issuer ; OR you can accept for value and then specify that the money will be paid using the money created by your government bond created by your Birth Certificate under the emergency laws enacted following the bankruptcy of the U.S. in XXXX. ( Note : In the bankruptcy of XXXX the U.S. government took ownership of all land and possessions of the American people, including the people themselves as surety for further loans from the Federal Reserve and the international bankers. Under the legal TRUST created by the U.S. Constitution, such a taking action would have been outright theft and fraud, so the government was required to offer a remedy to the people, as the beneficiaries of that TRUST, in order to exercise their rights, if they so choose. ) Since the issuer had NO signed, written contract to back his claim, he was forced to issue for value ( i.e., issue it in an attempt to create value ) his instrument ( whether a bill, legal indictment, traffic ticket or other violation of a statute, any demand for payment, or whatever ). In essence, the issuer is throwing you a hot potato and is hoping you will be ignorant enough to simply accept the instrument as a contract offer as it is ; and give it value by ignoring it or by your blank endorsement ; and to thereby accept the liability for paying it. If you accept it for value and return it for value, you have tossed him back the hot potato in the form of a counteroffer, so that he ( the issuer ) becomes liable for the amount of money specified in his original instruments claim, unbacked by any pre-existing contract.\n\nConsequently, the instrument issued pays the instrument! The original issuer pays the original issue he pays himself. Therefore, the transaction is balanced to zero and closed.\n\nOf note : In ALL penal actions for violations of STATUTES, the national debt is the PRESUMED preexisting contract, for purchase, that influences the conscience of the judge in making his decisions. Since under the Laws of God and the Natural Law ( derived from Gods Law ), ALL men are equal in authority. Therefore, no man or body of men can legitimately coerce or force another man to do something against his wishes and will! Consequently, under the Common Law, and international commercial law, NO man can be forced into a contract against his wishes, AND there must be equal consideration ( things of equal VALUE ) exchanged between the parties, with full disclosure of information, in order for a contract to be valid. It appears that today, few Americans realize that under long-standing international law, ALL legislated STATUTES or ACTS by any legislative body are mere OFFERS TO CONTRACT, which any individual man has the right to accept or refuse, as he wishes. One must remember that since XXXX, ALL statutes ( legislated laws ) in the U.S. exist to pay back the national debt of the U.S. to the Federal Reserve banks and other U.S. creditors and they want you to agree and consent to be liable for this debt! Therefore, if a district attorney issues an information ( similar to an indictment, but not requiring a grand jury ) to you charging you with a crime, you have three choices regarding his offer to contract. First, you can IGNORE it, in which case you are in dishonor and assume liability for payment in either money or service in prison to repay the national debt. Second, you can SIGN it without conditions ( called an unqualified endorsement or blank endorsement ), then you have created a negotiable instrument by giving it value and have assumed liability for paying it, which can then be enforced by the issuer ( the district attorney as the government ) to help pay off the national debt. OR third, you can sign the information with a qualified endorsement using accept for value ( a counteroffer ), by which you give that instrument a monetary value, but keep the liability for paying it on the ISSUER. So, in the case of legal charges against you by a district attorney or a court clerk ( usually by a traffic ticket issued by a police officer ), through an accept for value endorsement you have avoided all liability ; and kept the liability for payment ( as money and/or a prison sentence ) on the district attorney and/or court clerk it is then, THEY who need to pay the fine or fulfill the imposed prison sentence for that statute violation ; NOT you, since you did not accept liability. They tossed a hot potato to you and expected you to pay. But since they had NO signed, written contract in which you agreed to obey that particular statute, they were required under U.C.C. commercial law to issue that document for value that is, to issue it in the hope that YOU would give it value AND take liability for paying it by accepting it without any qualifications. However, by your accept for value qualified endorsement, you agreed to it and gave it its value, but declined to accept liability for payment. Then by returning the instrument ( the charges against you ), you tossed the hot potato back to them and kept THEM liable for any payments! This system may sound INSANE, but this is how the financial and legal system was set up following the XXXX bankruptcy of the U.S., along with the amended extensions of national emergency of XXXX and XXXX. When you go to court, you go to a legislative-statutory court in essence, a Maritime-Admiralty court operating under the UCC bankruptcy code whose sole purpose is to fund the national debt NOT into a true judicial court. You are PRESUMED guilty and are subject to a summary judgment without any trial by jury, unless you simultaneously convene your OWN court-of-record under the Common Law within that courtroom. And that system is still in effect today within the U.S.\n\nReal Party ( s ) In Interest would prefer a quick resolution. We pray that this can be resolved asap or we shall prey on these factual evidences that has been provided to the Defendant and company for the past eight ( 8 ) years and therefore does not possess that of the Real Party ( s ) In Interest property and home. \nXXXX XXXX XXXX has and will and has attempted to report this alleged mortgage loan created out of identity theft which is fraud, creating an extension of the identity theft. Therefore nothing presented by XXXX XXXX XXXX  XXXX XXXX XXXX whom is out of business, or inactive and not reachable, not limited to XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, employees such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and all other known and unknown banks involved and their employees. Any attempts of reporting such a debt that must and has by XXXX XXXX records of accounts shall be blocked by all credit reporting agencies or each one will be aiding and abetting in deed fraud, an alleged mortgage loan, and identity theft, leading to extortion, which claims are being filed at this moment against all banks and personnel involved, not limited to corporations government agencies and others.","date_sent_to_company":"2017-12-27T17:06:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93536","tags":null,"has_narrative":true,"complaint_id":"2764996","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-12-27T16:53:00.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Statement of <em>claim</em> - i XXXX XXXX XXXX and i XXXX XXXX XXXX did not give permission for any banks involved to use my private and personal information to create any loans transactions nor accounts. My private information and personal information has been stolen and used by way of identity theft to create such loans <em>securities</em> and such the like. I ( we ) have made every attempt to settle these matters and now are filing <em>claims</em> in federal state court ( s )."]},"sort":[8.113497,"2764996"]},{"_index":"complaint-public-v1","_id":"2764992","_score":8.113497,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Statement of claim - i XXXX XXXX XXXX and i XXXX XXXX XXXX did not give permission for any banks involved to use my private and personal information to create any loans transactions nor accounts. My private information and personal information has been stolen and used by way of identity theft to create such loans securities and such the like. I ( we ) have made every attempt to settle these matters and now are filing claims in federal state court ( s ). \n1. THE PARTIES Comes now the Real Party ( s ) In Interest XXXX XXXX XXXX, and XXXX XXXX XXXX is now, and at all times relevant to this action, the real property owners and residents of the County of XXXX XXXX, State of CALIFORNIA. \nDefendant ( s ), XXXX XXXX XXXX Servicer, alleged to acquire certain assets from XXXX XXXX XXXX  XXXX and XXXX XXXX, XXXX XXXX XXXX alleged to have acquired servicing rights from XXXX XXXX XXXX, XXXX XXXX, XXXX, d.b.a. XXXX XXXX XXXX alleged originator of Refinanced loan attempt, also the Nominee and beneficiary, XXXX XXXX  XXXX XXXX and or XXXX XXXX, the alleged Trustee, XXXX XXXX XXXX XXXX XXXX also known as the alleged Trustee on behalf of XXXX XXXX unknown in relationship as to Trustee, 2. JURISDICTION The real property is located at XXXX XXXX XXXX XXXX XXXX CA [ XXXX ] Aka the Republic of California as well the alleged transactions and events which are the subject matter of this Claim all occurred within the County of XXXX XXXX, State of CALIFORNIA. Wherein XXXX XXXX alleged to service mortgage loan as well alleged to acquire loan from XXXX XXXX, and certain assets from XXXX XXXX XXXX, XXXX XXXX XXXX d.b.a or hidden under XXXX XXXX  XXXX, XXXX XXXX XXXX as the Trustee, XXXX XXXX XXXX also Trustee, on the behalf of XXXX XXXX unknown, XXXX XXXX XXXX Aka XXXX and XXXX XXXX XXXX XXXX Aka XXXX the alleged Investor Nominee and Beneficiary of the alleged mortgage loan. All banks and employees alleged to be conducting banking and real-estate business within the state of California county of XXXX XXXX, publishing deeds recordings and notary documents unverified. \n\nDefendant used deceptive debt collection practices to attempt to create a contract by way of payment stated on their letter head We are a debt collector. This communication is an attempt to collect a debt and any information obtained will be used that purpose. However, to the extent your original obligation was discharged or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this notice is for compliance with non-bankruptcy law and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. Nothing in this letter ( including our use of the words \" your, '' \" loan, '' mortgage, '' or \" account '' ) means that you 're required to repay a debt that 's been discharged. Any payment you make on the account is voluntary, but we may still have rights under the security instrument, including the right to foreclose on the property. \nlf you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney 's name, address, and telephone number. \nThis is deceptive due to the fact that many attempts where made on the behalf of the Plaintiffs to removed the debt with offer ( s ) to pay, accepted for value return for value aka discharge and a bond money order which was not rejected in writing nor in explanation with a legal notarized document with agent or officer signature explanation as to why or why not offers where not excepted within the legal bylaws UCC laws etc, .. \nDefinition - Acceptance for Value is a remedy available only in commercial law ( the Uniform Commercial Code or UCC ). One can accept for value ONLY a commercial instrument that has been issued for value, that is when 1. ) the instrument has been issued to generate value where there is NO prior value ; AND when 2. ) the instrument ( such as a bill or a charge ) has NO signed contract to back it up. \nIn short, an instrument issued for value is an OFFER TO CONTRACT from someone ( the ISSUER ), unbacked by a pre-existing, written contract, in which that person is attempting to get YOU to give value to that instrument by having you falsely believe that you owe money when you, in fact, owe nothing. HOW you respond, determines whether YOU or the ISSUER becomes liable for the amount claimed. If you ignore the offer ( and therefore dishonor the person making the offer ) or give it a blank endorsement ( with your signature only ), you have assumed liability for the amount specified. However, if you give the instrument a qualified endorsement or conditional acceptance ( by accepting it for value ), you have, in fact, made a counteroffer, and kept yourself in honor by responding to the original offer, and thereby kept the liability on the ISSUER. In the case of a bill sent to you, your qualified endorsement via accepted for value keeps the ISSUER liable for the money claimed NOT you! You retain your status as the creditor in the situation, and it is up to YOU whether that instrument ( the bill or charge you received ) becomes a negotiable instrument ( money ) with which you can settle the account. You can either accept for value, placing all liability for payment on the original issuer ; OR you can accept for value and then specify that the money will be paid using the money created by your government bond created by your Birth Certificate under the emergency laws enacted following the bankruptcy of the U.S. in 1933. ( Note : In the bankruptcy of 1933 the U.S. government took ownership of all land and possessions of the American people, including the people themselves as surety for further loans from the Federal Reserve and the international bankers. Under the legal TRUST created by the U.S. Constitution, such a taking action would have been outright theft and fraud, so the government was required to offer a remedy to the people, as the beneficiaries of that TRUST, in order to exercise their rights, if they so choose. ) Since the issuer had NO signed, written contract to back his claim, he was forced to issue for value ( i.e., issue it in an attempt to create value ) his instrument ( whether a bill, legal indictment, traffic ticket or other violation of a statute, any demand for payment, or whatever ). In essence, the issuer is throwing you a hot potato and is hoping you will be ignorant enough to simply accept the instrument as a contract offer as it is ; and give it value by ignoring it or by your blank endorsement ; and to thereby accept the liability for paying it. If you accept it for value and return it for value, you have tossed him back the hot potato in the form of a counteroffer, so that he ( the issuer ) becomes liable for the amount of money specified in his original instruments claim, unbacked by any pre-existing contract. \nConsequently, the instrument issued pays the instrument! The original issuer pays the original issue he pays himself. Therefore, the transaction is balanced to zero and closed. \nOf note : In ALL penal actions for violations of STATUTES, the national debt is the PRESUMED preexisting contract, for purchase, that influences the conscience of the judge in making his decisions. Since under the Laws of God and the Natural Law ( derived from Gods Law ), ALL men are equal in authority. Therefore, no man or body of men can legitimately coerce or force another man to do something against his wishes and will! Consequently, under the Common Law, and international commercial law, NO man can be forced into a contract against his wishes, AND there must be equal consideration ( things of equal VALUE ) exchanged between the parties, with full disclosure of information, in order for a contract to be valid. It appears that today, few Americans realize that under long-standing international law, ALL legislated STATUTES or ACTS by any legislative body are mere OFFERS TO CONTRACT, which any individual man has the right to accept or refuse, as he wishes. One must remember that since 1933, ALL statutes ( legislated laws ) in the U.S. exist to pay back the national debt of the U.S. to the Federal Reserve banks and other U.S. creditors and they want you to agree and consent to be liable for this debt! Therefore, if a district attorney issues an information ( similar to an indictment, but not requiring a grand jury ) to you charging you with a crime, you have three choices regarding his offer to contract. First, you can IGNORE it, in which case you are in dishonor and assume liability for payment in either money or service in prison to repay the national debt. Second, you can SIGN it without conditions ( called an unqualified endorsement or blank endorsement ), then you have created a negotiable instrument by giving it value and have assumed liability for paying it, which can then be enforced by the issuer ( the district attorney as the government ) to help pay off the national debt. OR third, you can sign the information with a qualified endorsement using accept for value ( a counteroffer ), by which you give that instrument a monetary value, but keep the liability for paying it on the ISSUER. So, in the case of legal charges against you by a district attorney or a court clerk ( usually by a traffic ticket issued by a police officer ), through an accept for value endorsement you have avoided all liability ; and kept the liability for payment ( as money and/or a prison sentence ) on the district attorney and/or court clerk it is then, THEY who need to pay the fine or fulfill the imposed prison sentence for that statute violation ; NOT you, since you did not accept liability. They tossed a hot potato to you and expected you to pay. But since they had NO signed, written contract in which you agreed to obey that particular statute, they were required under U.C.C. commercial law to issue that document for value that is, to issue it in the hope that YOU would give it value AND take liability for paying it by accepting it without any qualifications. However, by your accept for value qualified endorsement, you agreed to it and gave it its value, but declined to accept liability for payment. Then by returning the instrument ( the charges against you ), you tossed the hot potato back to them and kept THEM liable for any payments! This system may sound INSANE, but this is how the financial and legal system was set up following the 1933 bankruptcy of the U.S., along with the amended extensions of national emergency of 1917 and 1933. When you go to court, you go to a legislative-statutory court in essence, a Maritime-Admiralty court operating under the UCC bankruptcy code whose sole purpose is to fund the national debt NOT into a true judicial court. You are PRESUMED guilty and are subject to a summary judgment without any trial by jury, unless you simultaneously convene your OWN court-of-record under the Common Law within that courtroom. And that system is still in effect today within the U.S. \nReal Party ( s ) In Interest would prefer a quick resolution. We pray that this can be resolved asap or we shall prey on these factual evidences that has been provided to the Defendant and company for the past eight ( 8 ) years and therefore does not possess that of the Real Party ( s ) In Interest property and home. \nXXXX XXXX XXXX has and will and has attempted to report this alleged mortgage loan created out of identity theft which is fraud, creating an extension of the identity theft. Therefore nothing presented by XXXX XXXX XXXX  XXXX XXXX XXXX whom is out of business, or inactive and not reachable, not limited to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,  employees such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, and all other known and unknown banks involved and their employees. Any attempts of reporting such a debt that must and has by XXXX XXXX records of accounts shall be blocked by all credit reporting agencies or each one will be aiding and abetting in deed fraud, an alleged mortgage loan, and identity theft, leading to extortion, which claims are being filed at this moment against all banks and personnel involved, not limited to corporations government agencies and others.","date_sent_to_company":"2017-12-27T17:19:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93536","tags":null,"has_narrative":true,"complaint_id":"2764992","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-12-27T17:10:38.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Statement of <em>claim</em> - i XXXX XXXX XXXX and i XXXX XXXX XXXX did not give permission for any banks involved to use my private and personal information to create any loans transactions nor accounts. My private information and personal information has been stolen and used by way of identity theft to create such loans <em>securities</em> and such the like. I ( we ) have made every attempt to settle these matters and now are filing <em>claims</em> in federal state court ( s ). \n1."]},"sort":[8.113497,"2764992"]},{"_index":"complaint-public-v1","_id":"2765001","_score":8.106728,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Statement of claim - i XXXX XXXX XXXX and i XXXX XXXX XXXX did not give permission for any banks involved to use my private and personal information to create any loans transactions nor accounts. My private information and personal information has been stolen and used by way of identity theft to create such loans securities and such the like. I ( we ) have made every attempt to settle these matters and now are filing claims in federal state court ( s ). XXXX XXXX XXXX XXXX transfered this loan illegally and without our knowlege therein. \n1. THE PARTIES Comes now the Real Party ( s ) In Interest XXXX XXXX XXXX, and XXXX XXXX XXXX is now, and at all times relevant to this action, the real property owners and residents of the County of XXXX XXXX, State of CALIFORNIA. \nDefendant ( s ), XXXXXXXX XXXX XXXX XXXX, alleged to acquire certain assets from XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX alleged to have acquired servicing rights from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX  alleged originator of Refinanced loan attempt, also the Nominee and beneficiary, XXXX XXXX XXXX XXXX and or XXXX XXXX, the alleged Trustee, XXXX XXXX XXXXXXXX XXXX XXXX also known as the alleged Trustee on behalf of XXXX XXXX unknown in relationship as to Trustee, 2. JURISDICTION The real property is located at XXXX XXXX XXXX XXXX XXXX CA [ XXXX ] Aka the XXXX XXXX California as well the alleged transactions and events which are the subject matter of this Claim all occurred within the County of XXXX XXXX, State of CALIFORNIA. Wherein XXXX XXXX alleged to service mortgage loan as well alleged to acquire loan from XXXX XXXX, and certain assets from XXXX XXXX XXXX, XXXX XXXX XXXX d.b.a or hidden under XXXX XXXX XXXX, XXXX XXXX XXXX as the Trustee, XXXX XXXX XXXX also Trustee, on the behalf of XXXX XXXX unknown, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX the alleged Investor Nominee and Beneficiary of the alleged mortgage loan. All banks and employees alleged to be conducting banking and real-estate business within the state of California county of XXXX XXXX, publishing deeds recordings and notary documents unverified. \n\nDefendant used deceptive debt collection practices to attempt to create a contract by way of payment stated on their letter head We are a debt collector. This communication is an attempt to collect a debt and any information obtained will be used that purpose. However, to the extent your original obligation was discharged or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this notice is for compliance with non-bankruptcy law and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. Nothing in this letter ( including our use of the words \" your, '' \" loan, '' mortgage, '' or \" account '' ) means that you 're required to repay a debt that 's been discharged. Any payment you make on the account is voluntary, but we may still have rights under the security instrument, including the right to foreclose on the property. \nlf you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney 's name, address, and telephone number. \nThis is deceptive due to the fact that many attempts where made on the behalf of the Plaintiffs to removed the debt with offer ( s ) to pay, accepted for value return for value aka discharge and a bond money order which was not rejected in writing nor in explanation with a legal notarized document with agent or officer signature explanation as to why or why not offers where not excepted within the legal bylaws UCC laws etc, .. \nDefinition - Acceptance for Value is a remedy available only in commercial law ( the Uniform Commercial Code or UCC ). One can accept for value ONLY a commercial instrument that has been issued for value, that is when 1. ) the instrument has been issued to generate value where there is NO prior value ; AND when 2. ) the instrument ( such as a bill or a charge ) has NO signed contract to back it up. \nIn short, an instrument issued for value is an OFFER TO CONTRACT from someone ( the ISSUER ), unbacked by a pre-existing, written contract, in which that person is attempting to get YOU to give value to that instrument by having you falsely believe that you owe money when you, in fact, owe nothing. HOW you respond, determines whether YOU or the ISSUER becomes liable for the amount claimed. If you ignore the offer ( and therefore dishonor the person making the offer ) or give it a blank endorsement ( with your signature only ), you have assumed liability for the amount specified. However, if you give the instrument a qualified endorsement or conditional acceptance ( by accepting it for value ), you have, in fact, made a counteroffer, and kept yourself in honor by responding to the original offer, and thereby kept the liability on the ISSUER. In the case of a bill sent to you, your qualified endorsement via accepted for value keeps the ISSUER liable for the money claimed NOT you! You retain your status as the creditor in the situation, and it is up to YOU whether that instrument ( the bill or charge you received ) becomes a negotiable instrument ( money ) with which you can settle the account. You can either accept for value, placing all liability for payment on the original issuer ; OR you can accept for value and then specify that the money will be paid using the money created by your government bond created by your Birth Certificate under the emergency laws enacted following the bankruptcy of the U.S. in 1933. ( Note : In the bankruptcy of 1933 the U.S. government took ownership of all land and possessions of the American people, including the people themselves as surety for further loans from the Federal Reserve and the international bankers. Under the legal TRUST created by the U.S. Constitution, such a taking action would have been outright theft and fraud, so the government was required to offer a remedy to the people, as the beneficiaries of that TRUST, in order to exercise their rights, if they so choose. ) Since the issuer had NO signed, written contract to back his claim, he was forced to issue for value ( i.e., issue it in an attempt to create value ) his instrument ( whether a bill, legal indictment, traffic ticket or other violation of a statute, any demand for payment, or whatever ). In essence, the issuer is throwing you a hot potato and is hoping you will be ignorant enough to simply accept the instrument as a contract offer as it is ; and give it value by ignoring it or by your blank endorsement ; and to thereby accept the liability for paying it. If you accept it for value and return it for value, you have tossed him back the hot potato in the form of a counteroffer, so that he ( the issuer ) becomes liable for the amount of money specified in his original instruments claim, unbacked by any pre-existing contract. \nConsequently, the instrument issued pays the instrument! The original issuer pays the original issue he pays himself. Therefore, the transaction is balanced to zero and closed. \nOf note : In ALL penal actions for violations of STATUTES, the national debt is the PRESUMED preexisting contract, for purchase, that influences the conscience of the judge in making his decisions. Since under the Laws of XXXX and the Natural Law ( derived from XXXX Law ), ALL men are equal in authority. Therefore, no man or body of men can legitimately coerce or force another man to do something against his wishes and will! Consequently, under the Common Law, and international commercial law, NO man can be forced into a contract against his wishes, AND there must be equal consideration ( things of equal VALUE ) exchanged between the parties, with full disclosure of information, in order for a contract to be valid. It appears that today, few Americans realize that under long-standing international law, ALL legislated STATUTES or ACTS by any legislative body are mere OFFERS TO CONTRACT, which any individual man has the right to accept or refuse, as he wishes. One must remember that since 1933, ALL statutes ( legislated laws ) in the U.S. exist to pay back the national debt of the U.S. to the Federal Reserve banks and other U.S. creditors and they want you to agree and consent to be liable for this debt! Therefore, if a district attorney issues an information ( similar to an indictment, but not requiring a grand jury ) to you charging you with a crime, you have three choices regarding his offer to contract. First, you can IGNORE it, in which case you are in dishonor and assume liability for payment in either money or service in prison to repay the national debt. Second, you can SIGN it without conditions ( called an unqualified endorsement or blank endorsement ), then you have created a negotiable instrument by giving it value and have assumed liability for paying it, which can then be enforced by the issuer ( the district attorney as the government ) to help pay off the national debt. OR third, you can sign the information with a qualified endorsement using accept for value ( a counteroffer ), by which you give that instrument a monetary value, but keep the liability for paying it on the ISSUER. So, in the case of legal charges against you by a district attorney or a court clerk ( usually by a traffic ticket issued by a police officer ), through an accept for value endorsement you have avoided all liability ; and kept the liability for payment ( as money and/or a prison sentence ) on the district attorney and/or court clerk it is then, THEY who need to pay the fine or fulfill the imposed prison sentence for that statute violation ; NOT you, since you did not accept liability. They tossed a hot potato to you and expected you to pay. But since they had NO signed, written contract in which you agreed to obey that particular statute, they were required under U.C.C. commercial law to issue that document for value that is, to issue it in the hope that YOU would give it value AND take liability for paying it by accepting it without any qualifications. However, by your accept for value qualified endorsement, you agreed to it and gave it its value, but declined to accept liability for payment. Then by returning the instrument ( the charges against you ), you tossed the hot potato back to them and kept THEM liable for any payments! This system may sound INSANE, but this is how the financial and legal system was set up following the 1933 bankruptcy of the U.S., along with the amended extensions of national emergency of 1917 and 1933. When you go to court, you go to a legislative-statutory court in essence, a Maritime-Admiralty court operating under the UCC bankruptcy code whose sole purpose is to fund the national debt NOT into a true judicial court. You are PRESUMED guilty and are subject to a summary judgment without any trial by jury, unless you simultaneously convene your OWN court-of-record under the Common Law within that courtroom. And that system is still in effect today within the U.S. \nReal Party ( s ) In Interest would prefer a quick resolution. We pray that this can be resolved asap or we shall prey on these factual evidences that has been provided to the Defendant and company for the past eight ( 8 ) years and therefore does not possess that of the Real Party ( s ) In Interest property and home. \nXXXX XXXX XXXX has and will and has attempted to report this alleged mortgage loan created out of identity theft which is fraud, creating an extension of the identity theft. Therefore nothing presented by XXXX XXXX XXXX XXXX XXXX XXXX whom is out of business, or inactive and not reachable, not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, employees such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all other known and unknown banks involved and their employees. Any attempts of reporting such a debt that must and has by XXXX XXXX records of accounts shall be blocked by all credit reporting agencies or each one will be aiding and abetting in deed fraud, an alleged mortgage loan, and identity theft, leading to extortion, which claims are being filed at this moment against all banks and personnel involved, not limited to corporations government agencies and others.","date_sent_to_company":"2017-12-27T17:06:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"93536","tags":null,"has_narrative":true,"complaint_id":"2765001","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-12-27T17:06:53.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Statement of <em>claim</em> - i XXXX XXXX XXXX and i XXXX XXXX XXXX did not give permission for any banks involved to use my private and personal information to create any loans transactions nor accounts. My private information and personal information has been stolen and used by way of identity theft to create such loans <em>securities</em> and such the like. I ( we ) have made every attempt to settle these matters and now are filing <em>claims</em> in federal state court ( s )."]},"sort":[8.106728,"2765001"]},{"_index":"complaint-public-v1","_id":"5830796","_score":7.7892046,"_source":{"product":"Mortgage","complaint_what_happened":"Complaint ID # XXXX What date did the federal government, ( using tax payers dollars ), bailout the banks in the great housing market fraud crash of XXXX, including Bank of America , fka Countrywide Home Loans? \n\nThe Emergency Economic Stabilization Act of XXXX, often called the \" bank bailout of XXXX  '', was proposed by Treasury Secretary XXXX XXXX, passed by the 110th United States Congress, and signed into law by President George W. Bush. It became law as part of Public Law 110-343 on XX/XX/XXXX, in the midst of the financial crisis of XXXX. It created the {$900.00} billion Troubled Asset Relief Program ( TARP ) to purchase toxic assets from banks. The funds were mostly redirected to inject capital into banks and other financial institutions while the Treasury continued to examine the usefulness of targeted asset purchases. \n\nThe glaring problem? In their rush to, so-call Save the Banks- the Federal Government ignored the largely innocent, completely unaware and disadvantaged homeowners, ( whos backs, - lets face it this bailout fell on and injured the most ). \n\nAll as a result of the devastation caused by the deceptive fraud and greed in lending, appraisal, as well as servicing practices committed by gigantic financial institutions such as Countrywide Home Loans, currently known as Bank of America N.A. Home Loans. \n\nWednesday, XX/XX/XXXX Contact : ( XXXX ) XXXX, XXXX https : //oag.ca.gov/news/press-releases/brown-sues-countrywide-mortgage-deception On XX/XX/XXXX, California Attorney General XXXX XXXX XXXX sues XXXX XXXXXXXX, its chief XXXX XXXX XXXX, and XXXX XXXX XXXX, for engaging in deceptive advertising and unfair competition. \n\nEVIDENCE : * * * 1 ) The lawsuits described a vast \" conspiracy '' in which Countrywide provided financial incentives to large networks of brokers in exchange for their duping borrowers into taking out toxic loans. \n\n2 ) For several years, the scam worked. Countrywide grew from originating {$62.00} billion in loans in XXXX  to more than {$460.00} billion in XXXX, 3 ) while the lenders securities trading volume more than quintupled, from {$640.00} billion in XXXX  to {$3.00} trillion in XXXX.\n\n4 ) The companys CEO, the flashily dressed and perma-tanned XXXX XXXX XXXX became one of the highest-paid executives in the nation, with an influence on markets approaching that of XXXX XXXX. \n\n5 ) The state lawsuits expose just how Countrywide built its sprawling empire.\n\n6 ) One common loan product that came under harsh criticism in the lawsuit was the hybrid adjustable-rate mortgage, or ARM, in which mortgage rates were fixed for two to three years while borrowers made interest-only payments.\n\n7 ) Afterward borrowers got hit with \" payment shock '' when mortgage principal was added onto their monthly payments just as the starter interest rate converted to a variable rate that could shoot up to as high as 15 percent. \n\n8 ) XXXX lawsuit charges that Countrywides goal was to generate loans that paid the highest possible interest ratenot loans that offered the best deal for their customers. \n9 ) Low-income, first-time homebuyers became some of the best targets : the riskier the loan, the higher the interest rate. \n10 ) Countrywide packaged many of these loans into mortgage-backed securities and sold them to XXXX XXXX for windfall profits. \nXXXX ) Securities comprising Countrywide loans were in turn used to structure collateralized debt obligations, or CDOs, the implosion of which almost brought down the US financial system.\n\n12 ) Risky Countrywide loans were linked to some of the most toxic CDOs. \n\n13 ) On XX/XX/XXXX, when XXXX announced in a call with XXXX XXXX bankers that housing prices would collapse on a scale not seen since the Depression, widespread panic ensued. By the end of XXXX, according to Countrywides own estimates, a staggering 27 percent of the lenders subprime loans were delinquent.\n\n14 ) Once disaster struck, a quick settlement with the state attorneys general, under which Countrywide accepted no guilt and faced little financial liability, was not such a bad deal for the company. \n\n15 ) The settlement required Countrywide to make only XXXX loan modifications nationwide and did not set a dollar amount on how much these modifications had to save borrowers. \n16 ) Most of the loans covered by the settlement fell into one of two major types issued between XXXX and XXXX, at the height of the housing boom. \n17 ) One was the notorious pay-option ARM, in which the loan balance increased each month for borrowers who made only the minimum payment. \n17A ) Countrywide absurdly classified these loans as \" prime '' productseven though many of them went to borrowers with very low credit scoresmaking it easier to sell them on the secondary market. \n18 ) The other was the subprime ARM, which had a fixed interest rate for a set period and then an adjustable rate for the remainder of the term. \n* * * 19 ) To comply with the settlement, Bank of America set up the Countrywide XXXX XXXX XXXX XXXX as a vehicle for providing relief. \n20 ) And the deal appeared, at first, to provide it. \n21 ) Eligible borrowers, according to XXXX analysis of the deal, may be considered for a range of modifications. \n22 ) Those with pay-option ARMs can reduce their outstanding balance to 95 percent of their homes current value, getting them out from under water.\n\n23 ) 24 ) But Countrywide has no obligation to offer these terms to any particular eligible borrower. \n\n\nCOMPLICIT GOVERMENTAL CORRUPTION : 25 ) A key weapon in BofAs arsenal is something called a foreclosure avoidance budget, which gives the bank the option of foreclosing on homeowners whenever, in the judgment of the banks analysts, more money can be recouped by foreclosing than by modifying the loan. \n26 ) Housing advocates speak with frustration of how BofA often refuses to grant modifications to eligible borrowers, based solely on the banks analysis of its foreclosure avoidance budget. \n27 ) Yet bank officials have refused to make public how they calculate that budget. \nXXXX ) XXXX XXXX, a lawyer with XXXX XXXX XXXXXXXX XXXX XXXX, an XXXX nonprofit, says she repeatedly attempted to obtain that information from BofA. \" One of the things we kept asking, '' she says, \" is, Can we see those analyses? Can we see the foreclosure avoidance budget? \n29 ) The answer was always no. '' In the end, she simply gave up on using the Countrywide settlement as a means of helping borrowers. \n30 ) Even information on how many homeowners are facing foreclosure under the foreclosure avoidance budget is not publicly available. \n31 ) I requested these numbers from the California attorney generals office, which directed me to Bank of America, which refused to divulge the data. \n\n32 ) Last XXXX I interviewed XXXX XXXX, Bank of Americas senior vice president for public relations and communications, at a meeting between BofA executives and distraught homeowners in a church in XXXX, XXXX, and XXXX ) he said something telling : \" We dont call it a settlement, but our agreement with the attorneys general. '' Apparently BofA doesnt believe it owes anybody anything. \n\n34 ) Despite XXXX  XXXX XXXX failure to help hundreds of thousands of homeowners ruined by Countrywide, 35 ) the bank claims it is on track to fulfill its obligations under the settlement. \n36 ) According to the one publicly available page of a quarterly compliance report the bank is required to file with the state attorneys general, as of the end of the second quarter of XXXX, BofA had modified a total of XXXX loans under the settlement, achieved an expected interest and principal savings for borrowers of {$3.00} XXXX and provided {$170.00} XXXX in relief to people who had lost their homes to foreclosure. \n\nXXXX ) These numbers look impressive, at first glance. \nXXXX ) But a XX/XX/XXXX study by XXXX of the loans covered by the settlement projected that 50 percent of the modified loans are so untenable they will re-default within a year. \nXXXX ) The terms being offered are so bad that many lawyers are not bothering to seek relief, says XXXX XXXX, an attorney representing underwater borrowers northeast of XXXX XXXX. \n40 ) XXXX estimates that in the past three years he has worked with about 1,000 clients seeking modifications, half of them from Countrywide. \n41 ) He projects that for borrowers who get the five-year, interest-only payments, there is going to be major trouble down the line. \" We havent seen the effect yet, '' he says. \" They took them out of one loan that was a ticking time bomb and put them into another loan with ticking time bomb features. '' 42 ) Bank of America officials concede that re-default is a major threat, projecting a rate of XXXX percent. \n43 ) But they claim most of these defaults will be a product of growing unemployment, not unfair loan modifications. \n44 ) Housing counselors and attorneys tell a different story. \nXXXX ) They say the modifications BofA is offering under the settlement are not sustainable even for many borrowers with jobs. \n46 ) \" As far as I know, none of our clients have gotten a modification under this program, '' says XXXX XXXX, an attorney and director of the XXXX XXXX, a nonprofit community development corporation based in XXXX. \n47 ) \" The offers I have seen so far are basically a low-interest-only, fixed rate for five years, and then the loan converts to a principal and interest, which of course, depending on the total amount due, could be a huge jump in the persons total monthly payment ''. \n\n* * * PUBLIC EMPLOYEE PENSION FUNDS INVESTED HEAVILY IN COUNTRYWIDES CDOs : 48 ) As it turns out, BofA has had good reason not to make its modifications affordable for mortgages now owned by a third party, such as the public employee pension funds that invested heavily, and disastrously, in Countrywides mortgage-backed securities. \n49 ) From XXXX to XXXX, the years covered by the settlement, Countrywide sold most of its first-lien subprime loans as mortgage-backed securities or loan packages, 50 ) but it generally kept the lucrative servicing contracts. \n51 ) BAC Home Loan Servicing ( formerly Countrywide Home Loans Inc. ), Countrywides servicing arm, acts as a bill collector, gathering mortgage payments from borrowers and distributing these payments to the investors who actually own the mortgages. \n52 ) Servicers earn a small percentage of mortgage payments, but what has made the business especially profitable are late fees and other ancillary costs such as property inspections, collected from borrowers in delinquency and in default. \n\n53 ) Those revenues will be lost through the settlement with the state attorneys general, 54 ) which requires BofA to waive outstanding late fees for delinquent Countrywide borrowers who receive a modification. \n55 ) But BofA can start the lucrative late-fee gravy train all over for all the borrowers who re-default on modified loansa staggering number, if the XXXX projections prove to be accurate. \n56 ) When these financially exhausted borrowers finally go into foreclosure, any outstanding late fees can be tacked onto the bill BofA submits to investors. \n\n57 ) Only about 12 percent of the first-lien loans initiated by Countrywide remain on BofAs books 58 ) Investors in mortgage-backed securities, including major pension funds like XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX own the other 88 percent, 59 ) and it is these investors who will bear most of the expense of complying with the settlement, in the form of permanently reduced principal and interest payments on their bond holdings. \n60 ) Believe it or not, this aspect of the deal was overlooked by the settlement. \n61 ) XXXX XXXX, attorney general of Connecticut, one of the original parties to the suit, seems to have missed it entirely, claiming in his XX/XX/XXXX announcement, \" This settlement will cost BofA as much as {$8.00} XXXX, but no cost, not a dime, to taxpayers.? '' 62 ) In fact, as it turned out later, much of the settlements cost would be covered by taxpayers. \n63 ) Bank of America is allowed to use federal incentives under President Obamas {$75.00} XXXX Home Affordable Modification Program ( HAMP ) toward the loan modifications it is required to make as the mortgage servicer for the Countrywide portfolio. \n64 ) In total, of its entire Countrywide financial servicing portfoliowhich goes beyond the loans covered by the settlementBofA is eligible for as much as {$4.00} XXXX in federal incentives for completed modifications, according to an analysis by the XXXXXXXX XXXX XXXX XXXX as reported in XXXX XXXX. Thats a hefty government rebate. \n\n65 ) There are indications that Bank of Americas slow progress on loan modifications is intentional. \n66 ) Many service providers on the front lines of the crisis were unaware of the settlement more than a year after it took effect. \n67 ) Take XXXX XXXX, a team leader in the housing department of XXXX XXXX XXXX, a HUD-approved counseling agency in XXXX XXXX XXXX Of the hundreds of Countrywide borrowers, hes tried to obtain loan modifications for, \" not one of them has mentioned anything regarding the attorneys general modification, '' he says. \n\n68 ) Why dont borrowers know about the settlement?\n\n69 ) If they received a notification letter like the one Bank of America officials gave me after weeks of prodding, they would have no clue they were one of the covered homeowners. \n\n70 ) Nowhere in the letter is there explicit mention of the settlement. Theres no mention of borrowers rights, such as waiving of late fees for those who qualify for modification.\n\n71 ) And the letter fails to mention the settlements most attractive modification option : principal write-down, the only measure that could make a significant difference to borrowers who have seen the value of their homes decline by 50 percent or more. \n\n\n71 ) Bank of Americas opaque public outreach apparently passes muster with the California attorney general. \n\n72 ) An official in the AGs office who declined to be named told me the notification letter \" is not necessarily going to reference the settlement. '' 73 ) He went on to express concern about the plaintiffs themselves, the very people the settlement was designed to protect. \n\nNOW WHEN IT COMES TO HOMEOWNRES - THEIR WORRIED ABOUT MORAL HAZARD? \nIN THE FACE OF TRILLIONS OF DOLLARS OF SWINDELED LOSSES COMMITTED BY CORRUPT BANKING AND MORTGAGE INSTITUTIONS, AS WELL AS CORRUPT GOVERNMENATL REGULATION AND SO-CALLED OVERSIGHT! \nALL - AT THE ULTIMATE EXPENSE OF HOMEOWNERS AND INVESTORS 74 ) \" There is a moral hazard problem with all of this, which is that you dont want to encourage borrowers who can afford their loans to default, or borrowers who dont believe they were victims of fraud to default, '' he says. \n75 ) \" So, there is a fine line that had to be walked in figuring out how to publicize, announce and communicate with borrowers. '' * * * 76 ) The settlements most fatal flaw may be its failure to cover second liens. Bank of America still owns a large number of Countrywides second liens outright, including its once popular Home Equity Lines of Credit ( HELOCs ). \n\n77 ) Today the bank is the largest holder of second-lien loans in the country, which are valued at {$140.00} XXXX. ( Second-lien loans, which are tacked onto the original first-lien mortgage, include home-equity loans used to finance everything from home improvements to hospitalization to coverage of 1520 percent of the purchase price of a house. ) 78 ) XXXX alleges that Countrywide employees broke the same laws in selling those loans as they did in selling first liens. \n79 ) According to the XXXX lawsuit, Countrywide loan officers \" further [ ed ] their deceptive scheme '' by \" urging borrowers to encumber their homes up to 100 % ( or more ) of the assessed value ; and placing borrowers in piggyback second mortgages in the form of higher interest HELOCs while obscuring their monthly payment obligations. '' 80 ) A settlement that covered second liens would have improved the prospects for victims of Countrywides predations. \n81 ) Federal officials and mortgage analysts have identified second liens as a major factor in at least half the mortgages in danger of default. Such a loan works against borrowers in several ways. \n\n82 ) Not only does it stick them with a greater debt burden ; it also stands in the way of principal reduction on the first mortgage, since a second lien must usually be wiped out before principal can be written down on the first loan. \n\n83 ) The attorneys general seem to have left this gaping loophole for pure expediency. \n84 ) \" We do allege misconduct related to the origination of second liens and HELOCs, '' says the XXXX AG official. \" However, for purposes of settling the case, we wanted to craft a settlement that, while not perfect, would have the most effective chance of saving homeowners as quickly as possible. We were in a situation where the housing crisis was expanding by the moment. They [ Bank of America ] could have dragged out the negotiations for two years, during which time innumerable residents of California and other states could have lost their homes to foreclosure. '' 85 ) Earlier this year Bank of America finally indicated some willingness to address the second-lien issue XXXX On XX/XX/XXXX the bank announced to much positive press that it was the first servicer to sign up for a resuscitated federal effort known as the Second Lien Modification Program, which the Obama administration had been trying to get off the ground since spring XXXX. \n\n86 ) In XXXX, facing additional legal action over Countrywides predatory lending practices, Bank of America reached another settlement, this one with Massachusetts. \n87 ) Under that deal, the settlement XXXX negotiated was expandedBank of America would now offer principal reductions to about 45,000 severely underwater Countrywide borrowers. Notably, BofA will offer these principal reductions only to borrowers who qualify for HAMP, under which the bank gets bailed out by taxpayers. \n\n\n88 ) The Countrywide settlement, says XXXX XXXX, associate director of the XXXX XXXX XXXX, a statewide organization that advocates for low-income communities, has failed to protect homeowners who were the victims of predatory lending on an epidemic scale. \n89 ) \" Fraud and predatory lending really created this crisis we are in, and nobody is taking that into account, '' says XXXX. \" That was a concern we had with the original settlement. They dont admit any fraud. \"? \n\n\n90 ) Now state attorneys general might finally have an opportunity to help the thousands of defrauded Countrywide borrowers who have fallen through the cracks. \n91 ) On XX/XX/XXXX Bank of America announced that it was temporarily suspending foreclosures in all fifty states in response to revelations of false or fraudulent documentation and at least one BofA \" robo-signer '' who approved thousands of foreclosure papers without proper review. \n92 ) Even so, BofA appears confident that it has done nothing wrong. \" We will stop foreclosure sales until our assessment has been satisfactorily completed, '' states a BofA press release. \n93 ) \" Our ongoing assessment shows the basis for our past foreclosure decisions is accurate. We continue to serve the interests of our customers, investors and communities. Providing solutions for distressed homeowners remains our primary focus. '' Its up to the attorneys general, in their newly announced investigation, to hold BofA to its word. \n\n\nCountrywide exploited the American dream of homeownership and then sold its mortgages for huge profits on the secondary market, Attorney General XXXX said. The company sold ever-increasing numbers of complex and risky home loans, as quickly as possible. Countrywide was, in essence, a mass-production loan factory, producing ever-increasing streams of debt without regard for borrowers who were ripped off by Countrywides deceptive scheme.\n\nDespite receiving numerous complaints from borrowers claiming that they did not understand their loan terms, Countrywide ignored loan officers deceptive practices and loose underwriting standards. Countrywide also pushed its borrowers to serially refinance, repeatedly urging borrowers to obtain home loans to pay off their current debt. \n\nhttp : //ag.ca.gov/contact/complaint_form.php? cmplt=CL People v. Countrywide XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\n\nIntentional Misrepresentations : ( Appraisal Process ) XXXX XXXX XXXX XXXX XXXX XXXX , thXXXX appraisal company used by Countrywide in my XXXX loan origination, - settled class action lawsuit accusing them of illegal appraisals regarding title and collateral valuation within their loan origination operational practices. \n\nCountrywides Mandate for Growth - Countrywide ceased acting as a conventional money lender, but instead morphed into an enterprise engaged in systematic fraud. This systematic fraud extended to the fraudulent appraisal process of a silent market fixing scheme through a policy of exercising control over appraisers including their loan origination values. \n\n1A ) Countrywides massive scheme to artificially inflate property values and fix the Real Estate Market through its wholly-owned subsidiary, XXXX XXXX authority to bind, meant to difference between being qualified for a home loan and being able to afford a home loan. \n\n1B ) Countrywide turned substantial profit through their borrowers default, - furthering their incentive to intentionally place borrowers into impossible and unaffordable home loans. \n\n1C ) Countrywide misled public and were well aware of their fraud. Countrywide intentionally misrepresented, and concealed information which they knew was highly material to the decision for a prospective customer to enter into a loan with Countrywide. \n\n1D ) Countrywides improper securitization, the foreclosing trusts had no ownership interest in homeowner Notes or Deeds of Trust under the explicit terms of their own Pooling and Service Agreements. There is no Chain of Title. Understanding MERS, - and its role in Countrywides wrongful foreclosure process. \n\n1E ) Countrywides violation of numerous other laws, and pervasive schemes of fraud and deception, ( along with many other financial institutions, such as Bank of America ), substantially contributed to the United States national housing market crash of XXXX, essentially, overnight wiping out the home values of millions of America homeowners nationwide, who were otherwise completely innocent of these events! Triggering the overnight catastrophe that resulted in the substantial devaluing of millions of American homeowner properties, which directly lead to millions of American homeowners losing their properties through foreclosure nationwide! \n\nRelationship of Bank of America to Countrywide 63. BofAs public disclosures, as reflected in its filings with the SEC, make clear that BofA considers itself both a common enterprise operating as a greater whole and without meaningful distinctions as to its operating units, and the successor to Countrywide and its subsidiaries. As stated in BofAs Annual Report on Form 10-K for the fiscal year ended XX/XX/XXXX ( BofA XXXX XXXX K ), [ i ] n XXXX of XXXX, we made a {$2.00} XXXX investment in Countrywide Financial Corporation ( Countrywide ), the largest mortgage lender in the U.S. \nIn XX/XX/XXXX, we announced a definitive agreement to purchase all outstanding shares of Countrywide... The acquisition would make us the nations leading mortgage lender and loan servicer. BofA XXXX 10-K, at XXXX. \n64. Thereafter, as stated in BofAs Quarterly Report on Form 10-Q for the quarterly period ended XX/XX/XXXX ( BofA XX/XX/XXXX 10-Q ), On XX/XX/XXXX, the Corporation acquired Countrywide through its merger XXXX a subsidiary of the Corporation. BofA XX/XX/XXXX 10-Q at XXXX. \n\n- 17 XX/XX/XXXX the extent that certain Plaintiffs herein become aware of information that provides a basis for asserting the Defendants herein are liable for the origination of their loans, those Plaintiffs reserve the right to seek leave of this Court to re-assert the appropriate claims herein. \n\nCOMPLAINT Lawley, et. al. v. Bank of America, et. al. \nAgain, BofA boasts in the BofA XX/XX/XXXX 10-Q that The acquisition of Countrywide significantly improved our mortgage originating and servicing capabilities, while making us the nations leading mortgage originator and servicer. BofA XX/XX/XXXX 10-Q at XXXX. \n65. BofA further makes clear the commonality of its business enterprise with that of Countrywide, and the greater whole of its various subsidiaries and operating units, by stating again that On XX/XX/XXXX, the Corporation acquired Countrywide... creating the nations largest mortgage originator and servicer. BofA XX/XX/XXXX 10-Q at XXXX. \n66. Countrywides remaining operations and employees have been transferred to Bank of America, and Bank of America ceased using the Countrywide name in XX/XX/XXXX. \n# 6 Specific Bank of America Violations On XX/XX/XXXX, a XXXX XXXX XXXXXXXX XXXX Form 25 was utilized to deregister and delist Countrywides common stock, and on XX/XX/XXXX Countrywide filed Securities and Exchange Commission Form 15 deregistering its common stock under Section 12 ( b ) of the Securities Exchange Act of 1934, as amended.\n\n67. Plaintiffs are informed and believe, and thereon allege, that : ( 1 ) BofA and its wholly- owned and controlled subsidiaries are liable for all wrongful acts of Countrywide prior to the date thereof as the successor-in-interest to Countrywide ; ( 2 ) BofA directly and through its subsidiaries and other agents sued herein as Does have continued the unlawful practices of Countrywide since XX/XX/XXXX, including, without limitation thereof : 1 ) writing fraudulent mortgages as set forth above 2 ) concealing wrongful acts that occurred in whole or in part prior thereto, 3 ) BofA and its subsidiaries are jointly and severally liable as alter egos and as a single, greater unified whole. \n\nBank of America N.A. Successor by Merger to BAC Home Loans Servicing, LP fka Countrywide Home Loans Servicing LP, its Assignees and Successors.\n\nIf a Trustee, Paying Agent or Registrar consolidates with, merges or converts into, or transfers all or substantially all of its corporate trust assets to another corporation, the resulting, surviving or transferee corporation without any further act shall be the successor. \n\n\n\n\n\nDear Bank of America N.A. Home Loans, - according to your own research per Department of Justice notice dated XX/XX/XXXX, Bank of America N.A. Home Loans, fka Countrywide Home Loans, my Home Equity Line of Credit, ( HELOC ), account ending in XXXX was approved for participation in a principal forgiveness program offered as a result of the Department of Justice and State Attorneys General national settlement with major mortgage services, including Bank of America. \n\nI stated, I received a full forgiveness not because of some random form of charity, or anonymous altruism, because my family is just one of literally millions of unsuspecting, Innocent homeowners who fell prey to the unbelievable scale of fraud, especially within the appraisal process engaged in by Countrywide Home Loans, currently Bank of America N.A. \n\nI am again requesting that Bank of America return in full all payments made between XX/XX/XXXX to XX/XX/XXXX, approximately, {$5000.00}. \n\nAlso, the fraudulent reverse mortgage my mother entered into with Financial Freedom Senior Funding in December 2004, is a subsidiary of Countrywide Home Loans, and therefore with the purview and responsibility of Bank of America N.A. as successor by merger to Countrywide Home Loans LP. \n\nAlso, as I have repeatedly complained, my refinance of my parents home is riddled with fraud and abuse, especially within the XXXX XXXX process as I have repeatedly tried to draw your attention to? \n\nNot only was I at a complete disadvantage dealing with the predatory refinance department at Countrywide, but I was devastated and in severe mourning at the death of my dear and sweet mother. The refinance department at countrywide saw me coming, and took complete advantage of me, having me assume not only a {$54000.00} plus reverse mortgage that my mother had unknowing entered just 2 years prior, but also the mind numbing fact that despite my parents having paid approximately {$82000.00} from the period between XX/XX/XXXX to XX/XX/XXXX in mostly interest only payments, and an additional {$54000.00}, with Countrywide charging a closing fee of {$10.00}, XXXX from XX/XX/XXXX to the time of my mothers death on XX/XX/XXXX. \n\nI am requesting that my complaint be immediately reconsidered with a positive resolution in the favor of myself and my family for we are the horrible victims of extremely documented fraud, misrepresentation and homeowner abuse.","date_sent_to_company":"2022-08-03T16:59:26.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"89106","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"5830796","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-08-01T05:53:37.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Countrywide grew from <em>originating</em> {$62.00} billion in loans in XXXX  to more than {$460.00} billion in XXXX, 3 ) while the lenders <em>securities</em> trading volume more than quintupled, from {$640.00} billion in XXXX  to {$3.00} trillion in XXXX.\n\n4 ) The companys CEO, the flashily dressed and perma-tanned XXXX XXXX XXXX became one of the highest-<em>paid</em> executives in the nation, with an influence on markets approaching that of XXXX XXXX. \n\n5 ) The state lawsuits expose just how Countrywide built its sprawling"]},"sort":[7.7892046,"5830796"]},{"_index":"complaint-public-v1","_id":"7319586","_score":7.645993,"_source":{"product":"Mortgage","complaint_what_happened":"I received a letter from Nationstar Mortgage XXXX Mr. Cooper along with XXXX XXXX XXXX XXXX company that stated I was being recommended for foreclosure. I have no contractual obligation to either of these corporations and they have not supplied me with a True Request of the Accounting per UCC 9-210 and RI Gen Law 6A-9-210. Secondly, I reached out to my title insurance company to file an adverse claim against them due to me getting a notice of recommendation for foreclosure. Im getting billing statements from Rightpath Servicing who took over for Mr. Cooper but they are all Subsidaries of Nationstar Mortgage. Come to find out that Nationstar has not even been assinged the mortgage. As per the letter attached ... '' there was an assignment of mortgage to XXXX XXXX XXXX dated XX/XX/XXXX and recorded on XX/XX/XXXX. So that Means, XXXX XXXX XXXXXXXX assigned the Mortgage to XXXX XXXX Servicing on XX/XX/XXXX a year and one week ago today. If i was to go by my credit report from XXXX XXXX ... Pics attached..I would assume something completely different. Per my credit report my loan with XXXX XXXX XXXX was paid off..With the Account Closing on XX/XX/XXXX. The mortgage was then assigned to XXXX XXXX XXXXXXXX XXXX XXXX BUT THE TITLE COMPANY SAID XXXX XXXX XXXX ASSIGNED XXXX XXXX THE MORTGAGE ON XX/XX/XXXX, and FILED IT XX/XX/XXXX. But looking at my credit history, it paints a different picture. lets list the assignments : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX to Mr. Cooper : XXXX of XXXX XXXX. Mr. Cooper to Rightpath Servicing : XXXX of XXXX ( Mr.Cooper/RightPath/Nationstar ) are XXXX entity masquerading as separate servicers. \n\nThats Five Servicers ... Five Assignments... BUT THE TITLE COMPANY STATED AFTER THEIR INVESTIGATION XXXX XXXX XXXXXXXX ASSIGNED XXXXXXXX XXXX  THE MORTGAGE ON XX/XX/XXXX, and FILED IT XX/XX/XXXX. AND IM GETTING A THREAT OF FORECLOSURE FROM A PARTY WHO DOESNT EVEN HOLD THE ASSIGNMENT! ALL THE PROOF IS ATTACHED. THIS IS A VIOLATION OF ALL MY RIGHTS UNDER TITLE 15. AND LET IT BE KNOWN THE MASSACHUSETTS SUPREME COURT ALREADY RULED THAT BACKDATED ASSIGNMENTS ARE NULL AND VOID AND IM ATTACHING THE CASE WITH IT. AS I WAS A MASSACHUSETTS RESIDENT WHEN I FILLED OUT THE APPLICATION FOR THE LOAN. OH AND LET ME PUT THE DEFINITION OF APPLICATION HERE WHILE IM AT IT : Application means : the submission of a borrower 's financial information in anticipation of a credit decision relating to a federally related mortgage loan, which shall include the borrower 's name, the borrower 's monthly income, the borrower 's social security number to obtain a credit report, the property address, an estimate of the value of the property, the mortgage loan amount sought, and any other information deemed necessary by the loan originator. An application may either be in writing or electronically submitted, including a written record of an oral application. [ 12 CFR Part 1024 ( b ) ] that Application and Contract was with XXXX XXXX XXXX. Not XXXX, Not XXXX XXXX XXXX, Not Mr. Cooper, Not XXXX, Not Nationstar and I believe no evidence exist to the contrary if so prove it. Because the letter from the Title Company Dated today SAYS IT IN PLAIN LANGUAGE ... .THE CHAIN OF ASSIGNMENT IT BROKEN AND THERE CLEAR MORTGAGE FRAUD BEING PERPETUATED UPON ME!!!!!!!!!!! \n\nIt is a fact that I have been receiving statements from XXXX XXXX, which include a coupon attached to them. I would like to clarify the definitions of these terms as per Black 's Law Dictionary, 8th Edition, to ensure a mutual understanding. The factual definitions provided are as follows : 1. Statement : A report issued periodically ( usually monthly ) by a creditor to a customer, providing certain information on the customer 's account, including the amounts billed, credits given, and the balance due.\n\n2. Coupon : An interest or dividend certificate that is attached to another instrument, such as a bond, and may be detached and separately presented for payment of a definite sum at a specified time.\n\nIt is a Notice of fact pursuant to 12CFR 202.2 ( b ) consumer credit is defined as ; credit extended to a natural person primarily for personal, family, of household purposes. Therefore, if pursuant to that same subsection credit means ; the right granted by a creditor to defer its payment, or purchase property or services and defer payment therefor, then I am the consumer of this transaction seeing that my credit card, also known as my Social Security Number, funded the account by means of accessing my open-ended credit plan. \nIt is a Notice of fact there is a billing error pursuant to Regulation Z the determination of finance charge.\n\nPursuant 15 USC 1692c ( C ) this herein notice in writing refusing to pay the alleged debt.\n\n15 USC 1666b ( 4 ) The creditors failure to reflect properly on a statement. If I owe a balance, it should be in the negative, but it isnt, its clearly showing a positive balance. This is a billing error.\n\nPursuant 19 CFR 149.3 there is an identification error. I did not need to provide a name and address, only a number to identify who was liable. The social security number is the liability. The bank is the reporter of record. The importer of the record is liable, I gave XXXX XXXX XXXXXXXX. the number making XXXX XXXX XXXX liable for the number. \n\nIt is a Notice of fact, Pursuant Regulation Z subpart b 1026.13 a6 I request a reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. I requested documentary evidence on account ending.\n\nIt is a Notice of fact Pursuant 15 U.S Code 44 includes all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all-caps name. I require this clarification in order to address the billing error for {$74000.00} and any other additional charges. I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication 583. On the public and private side showing accounts receivable and payable.\n\nIt is a Notice of fact Pursuant Regulation Z Subpar B 1026.13 d 1- Rules pending resolution. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. 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 USC 1666 ( e ) for failure to comply with any of the requirements of this section. I am the beneficiary I wish to negotiate instrument being tendered on behalf of the interest of the United States with full faith in credit. The personal information on the record is inaccurate the accuracy is depended upon fair banking. I request that the record is corrected and granted the proper disclosures Pursuant Regulation Z Truth in Lending Act.","date_sent_to_company":"2023-07-28T21:35:03.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"02895","tags":null,"has_narrative":true,"complaint_id":"7319586","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2023-07-28T19:59:41.000Z","state":"RI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["by the loan <em>originator</em>."]},"sort":[7.645993,"7319586"]},{"_index":"complaint-public-v1","_id":"4096478","_score":7.520049,"_source":{"product":"Debt collection","complaint_what_happened":"Dear CFPB, Please find my complaint against PennyMac Loan Servicing, XXXX XXXX XXXX XXXX XXXX., XXXX  XXXX XXXX ; XXXX, XXXX XXXX, XXXX  XXXX XXXX and other hidden behind the scheme con artists like XXXX XXXX, XXXX XXXX, XXXX, eat who massively defraud home buyers, other borrowers and investors from trillions of dollars under their fraudulent scheme called securitization XXXX XXXX XXXX created a myth called securitization where they do not securitize ANYTHING except borrowers DATA akaidentity theft not backed by any assets. Nobody sell any loans or any parts of loans. Nobody lend any money to homebuyers. \n\nMoney for closing and all other lending are coming from Investors who lend to XXXX XXXX XXXX  via short term credit used by XXXX XXXX XXXX  to fund ALL loans via fictitious parties who call themselves Lenders  - These money are not related by ANY homeowners transaction in in fact related to sales of securities backed by borrowers identities to other investors. Thus, the original creditors are investors who lent money to XXXX XXXX XXXX  and who receive their advances after securities backed by borrowers data are sold to another groups of investors in form of bets. \n\nSo, when PennyMac say they purchased my loan they lied to defraud me an authorities, which is proven many times. Nobody sold any mortgages to PennyMac who was transformed by XXXX XXXX into a biggest lender and servicer via PR coup. PennyMac an XXXX ( former XXXX XXXX XXXX NEVER funded any loans and NEVER serviced them. XXXX is receiving a fee for acting as a Trustee for non-existing Trusts who also nee er had any relationship to anyones mortgages. Nobody confirmed they sold my loan to PennyMac.XXXX  always claims that my complaints do not belong to them - while PennyMac lies that they give my mortgage payments to Trustees who distribute them to investors. LIR, LIE, LIE. \n\nBut since this lie is promoted by the Government ( resent sale of XXXX  bonds to Federal Reserve is just another scam to defraud homeowners and investors ) PennyMac feels completely confident that the Government will cover for XXXX XXXX crimes, like they did in XXXX with fake Cease and Desist orders and bogus Settlement. \n\nMost homeowners, including myself, sign documents at closing because they believe their intentions are properly presented in those documents.We were all wrong. We were not borrowing any money from fake XXXX. We CREATED money for XXXX XXXX XXXX  when we submitted an application which was used as a back up for lines of credits from investors or from Federal Reserve. After than we were not dealing with repayment of any debt since it did not exist from the beginning ( the initial investors were paid after XXXX XXXX sold certificates to another group of investors ) thus we were dealing with a concealed scheme by XXXX XXXX Stockbrokers which is in part a direct fraud on homebuyers ; in part giant Ponzi Scheme ; gigantic Bucket Shop on investors and other illegal practice. \n\nStockbrokers do not have an interest other than a profit from the sale of securities. These brokers on XXXX XXXX have tried to pull the wool over the eyes of regulators and investors so that they still appear to be XXXX when in fact they are the only principal. \n\nAll XXXX XXXX XXXX XXXX debt buyers are merely a part of this giant mystification. The result has always been, without exception, catastrophic for everyone except the brokers who use a common theme : You cant punish us with producing apocalyptic results for finance, and your society. As a society, we are still buying into that threat. It isnt true and never was true. And so it goes. \n\nXXXX XXXX lawyers are drafting prospectuses and agreements for Initial Public Offerings, with the guiding principles to bury anything negative under an avalanche of words. And because nobody wants to admit they did anything XXXX or foolish, investors tend to think and insist they knew what they were doing. And that is the essence of successful con jobs. The con only works if the mark ( i.e., XXXX ) adopts it as their own. People con themselves. Take XXXX XXXX XXXX for example, successfully sold XXXX XXXX and XXXX XXXX. XXXX used various names as a con man, including XXXX XXXX XXXX, XXXX XXXX, Mr. XXXX and Mr. XXXX. Compare XXXX XXXX banks tactics to use various names of XXXX, PennyMac and other actors-f0r-hire to pose as lenders and Servicers. \nXXXX had multiple methods for making his sales. When he sold XXXX  XXXX, he would often pose as the generals grandson, and he set up a fake office to handle his real estate swindles. He produced convincing forged documents as evidence to suggest that he was the legal owner of whatever property he was selling. \n\nLike the mortgage meltdown ( which continues through the writing of this Complant ), in many cases, XXXX targeted people fresh off the boat who understood little English or American Culture. So they relied upon what he told them and then they imagined the rest. Some people were forced off the XXXX XXXX when they started erecting toll booths, as the new owners. \n\nIn every con job the paperwork generally has the look and feel of real documents and says, in the beginning, what people expect it to say. They are conning themselves. And the perpetrators will often point to the content of what was signed by the layman as providing that the very thing that punished the consumer was disclosed in some fine print wording buried deep within all of the documents that were signed. \n\nFor example, a loan in XXXX would always refer to the loan and would recite that the Lender was XXXX who was giving a loan of money to the borrower who was a borrower, receipt of which loan was acknowledged. That is and was the basic language for any loan for centuries until around XXXX. \n\nThat is when the reference to a loan was dropped and the documents signed by the homeowners started to change merely referred to the execution of a note and the execution and recording of a mortgage. The loan was implied because what else could it be? The success of this sleight of hand is well-known. Trillions of dollars poured through the hands of securities brokers who prospered during the worst crash since the Great Depression plus receiving trillions of dollars in bailouts and bond purchases. Everything else was reduced to rubble. \n\nThe expectation of the homeowner, including myself, was that he/she was a borrower in a loan transaction. I thought that the application for a loan was submitted to a lender and was underwritten by someone with a risk of loss i.e. a stake in the success of the transaction as a loan. I had a reasonable belief that as a loan transaction the party receiving the loan application and the party underwriting the transaction were both governed by Federal and State lending laws. As such, the responsibility for the viability of the loan, accuracy of the loan appraisal, and risk of loss was squarely on the lender. \n\nXXXX XXXX XXXX  did what they do the separated out functions so that only the part that looked like a loan was shown to the homeowner. For the most part, applications for loans were submitted through intermediaries who presented themselves as loan brokers and sometimes misrepresented themselves as lenders ( simply because they had a license to act as a lender ). In some cases, the parties accepting the applications did not legally exist. They were just names but that did not matter to XXXX XXXX brokers because they were not really making loans. \n\nThe underwriters were aggregators of data providing a service ( e.g. XXXX, now XXXX who was the one who actually processed my application under glimpse of XXXX XXXX  XXXX XXXX ) ) i.e. laundering data to make it look like a pool of loans was being created for tranches ( layers ) of fictitious entities. This service was provided to the brokers through entities totally under the control of the brokers for purposes of their real business selling securities to investors. ( Does anyone really think that XXXX XXXX banks ever had any interest in lending money? ) The aggregators arranged the data in reports that gave information on thousands of transactions. They never said they were loans and they never said they owned them. But that is what everyone assumes. We are conning ourselves because we cant imagine what else it could be. \n\nThe XXXX XXXX stock brokerage firm calling itself an investment bank borrows {$1.00} XXXX on short-term credit for example using expected sales of securities as collateral. Thus these money are generated by borrowerss intent to borrow money used by XXXX XXXX XXXX as collateral. The broker then sells the securities to investors and repays the loans. In the interim, the money from the loan is used to fund, on average, around {$700.00} XXXX in transactions with homeowners. Bear to repeat, these money have XXXX to do with anyones mortgage. \n\nThe other {$300.00} XXXX is concealed trading profit. These fictitious profits occur when the broker shows a sale ( only on its own books ) of {$700.00} XXXX face value of notes for {$1.00} XXXX. That false sale occurs between a depositor who does not own the debt, note, or security agreement and a trust that legally does not exist because it has nothing in trust that was entrusted to the named trustee. the trustee has no right, title or interest in the transactions, nor any right or obligation to seek or receive any information about the nonexistent contents of thetrust or any activities undertaken in the name of the trust. ( In other words, it is not a trustee ). XXXX merely lies to homeowners, Judges and investors about its role as Trustee All entities are owned or controlled 100 % by the broker. This is the holy grail of investment banking. Selling securities without being required to turn the proceeds of the sale ( money ) over to any issuing entity because in substance the issuing entity is the broker. The extra {$300.00} XXXX trading profit is usually performed in a transaction that is both offshore and off-balance sheet so there is no report of it until the broker wants to show an increase in profits to bolster the apparent value of its own common stock trading in the marketplace. \n\nRecent reports from the big banks that are in reality failing, indicate significant trading profits that are simply repatriating the money they stole from investors. The most notorious lie is XXXX  XXXX XXXX organic growth when they repurchase its own bonds from investors - in fact investors demanded their money back due to XXXX fraud - bit this information is carefully concealed from the public, specially homeowners who XXXX is prepared to rob though the Court for additional profits. \n\nInvestors were never told all of their money would be used for the origination or acquisition of loans. They just assumed it despite concealed language in the prospectus that did not quite promise anything other than a potential, discretionary revenue stream from the broker that was often disclosed as unsecured and expressly unrelated to any obligation owed by any homeowner. Investors made this assumption because after all the brokerage firm was a broker, not a principal. They were conning themselves. Investors were NOT beneficiaries of any trust, real or imagined but they thought they were because they assumed they were. \n\nIt was later when investors ( e.g. pension funds ) discovered that the broker had no interest in underwriting loans, no interest or intent of having a risk of loss or no intent for complying with any lending statutes, rules, or even custom and practice in the lending industry ; investors were rudely awakened to the fact that they had no legal interest in enforcing anything against anyone. They had, as in every con, conned themselves with an assist from the con men XXXX XXXX brokers. \n\nInvestors were left with a Security that was virtually worthless because it was discretionary, unsecured, and based upon reports that the payor ( broker ) could issue in its sole discretion. But if they admitted all of that, they would be required to show the loss of value of the certificates ( securities ) that they had purchased which would result in devaluing the entire pension fund, which in turn would probably lead to dismissal of the fund manager. \n\nSo they sued the depositors or sellers for bad underwriting even though there was virtually no underwriting involved. The more savvy investors with more savvy lawyers received larger settlements without ever saying the whole thing as a scam because they were being paid to keep silent about the true nature of this scheme. The smaller, more unsophisticated investors with lawyers who were not well versed in investment banking and securities brokerage received as little as XXXX cents for each dollar they invested. That is what caused small banks to fail. They were trapped by the con. They too had been investors seeking a higher return. \n\nThe truth is that most pension funds are over-reporting the value of their assets. That means that at some time in the future, the ability to fulfill pension payments will be correspondingly reduced. Only by that time, it is highly likely that nobody will make the connection to securitization debt that never occurred. Even worse, the beneficiaries of pension funds and other stable managed funds still wont realize that if they are faced with foreclosure, and they all away, they are not just giving up the largest investment of their life ; they are also undermining the value of the fund that feeds them. \n\nIn the XXXX loan, the Lender had an entry on its ledger that was a reduction of cash to pay for the loan. In double-entry bookkeeping, this was followed by an increase in loan receivables by the exact same amount. And that is how the loan account receivable is created. It serves as the legal basis for asserting the existence of the loan and the account history for debits and credits throughout the life of the loan. \n\nAfter XXXX no such account was ever created. If those ledger entries had been made, then the brokers would have actually securitized loans by selling off pieces of each loan to multiple investors. But that would have limited the brokers to selling the loans only once. If they sold loans more than once it would have been a fraudulent scheme bearing criminal accountability. So they didnt sell them and that means they didnt securitize homeowner transactions, which were not loans in the first place. \n\nThe brokers paid homeowners money. That much is generally true ( although questionable in refis ). But the brokers wanted no part of losing money if the homeowner failed or refused to make a scheduled payment. They had no risk of loss. They had no loan account. But by concealing the true nature of the business scheme i.e. the creation, issuance, sale, and trading of securities and using the homeowners knowledge against him/her, they convinced everyone that the execution of the promissory note was one exchange for the nonexistent loan. The securities were based upon the illusion of a loan transaction but certainly not the reality of a loan transaction. \n\nAdding insult to injury then, the homeowner having played a crucial role in the illusion of a loan is then tricked into giving back the only reason why he/she entered the transaction in the first place the receipt of money. \n\nIn short, that is a return of the only consideration for involuntary participation in a securities scheme about which the homeowner knew absolutely nothing. Worse yet, the homeowner believed it was a loan and so agreed to pay interest and fees on top of returning the only consideration for the deal. This left the homeowner with negative consideration for the deal, plus concealed risks in the form of unmarketable loans, inflated appraisals, and the complete inability to reach anyone with ownership or authority of the transaction to work out arrangements that were necessary to correct the situation. \n\nWith no loan account that could be presented without committing perjury and fraud, the brokers hit upon the scheme of using still more intermediaries who were called servicers. The servicers did virtually nothing. All receipts are collected via third-party vendors who are completely controlled by the brokers. The servicers are hired to interface with homeowners, reassure them that their loan is under management, and present a payment history about which they know nothing because they never collected a dime from the homeowner. \n\nServicers are always thinly capitalized entities that can be thrown under the bus for accounting or servicing or collection irregularities. They hire employees or contract employees who know less than the servicer. These people are presented as witnesses in foreclosure proceedings. Such people are the only witnesses at trial in foreclosure cases. Theyre not legally competent and travel along a very thin line between deception and perjury. \n\nThe payment history is actually printout from a data record prepared for enforcement only by third-party vendors who process payments from homeowners. \n\nThose payments are scheduled, but not due since they are paying off a loan account that does not exist. You will never find any payment history that purports to be the ledger of any creditor i.e., the party who is named as claimant, beneficiary, or plaintiff in foreclosure. That is because no such ledger exists. \n\n\nThis was 20 years ago when the Federal Reserve skipped regulation in the mistaken belief that market forces would make any needed corrections. XXXX XXXX who was head of the Fed has admitted that was a mistake. It is now up to homeowners and their attorneys to fight these foreclosures at every turn and win. This task will be made far easier if changes in the administration in Washington DC result in an acknowledgment of the obvious facts : the money paid to homeowners was not a loan. It was compensation for involuntary participation in a business scheme. Market forces dictated the amount of that payment. Brokers have no right to recover it. \n\nInvestors and homeowners are in the same boat. the intention of both was a lending transaction. Neither one of them got what they intended. Current brokers and servicers should be forced out of the picture and regulators should stop pretending that REMICs exist or that the securities issued were unregulated mortgage-backed bonds or certificates. They were never mortgage-backed. There were no mortgage loans. Those mortgages secured a promissory note that was issued without the homeowner receiving consideration. \nThe only deal that was completed was the business scheme of creation, issuance, selling, and trading securities. Homeowners were already paid for that. Nobody was ever legally entitled to seek or receive payments that returned that compensation. If that compensation is too high, then let the brokers come to court and file a reformation action. \n\nI again demand to provide me the name of the SELLER of my loan to PennyMac ; a PROOF pot payment of value by PennyMac ; the name of the Company who hired PennyMac as a Servicer and whom they servicing. XXXX  number for Trust th purportedly servicing ; Pay me 20 % royalties from all traded and compensation for all damages, including emotional distress. \n\nTotal {$50.00} XXXX in damages, or more","date_sent_to_company":"2021-01-26T11:26:23.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"490XX","tags":null,"has_narrative":true,"complaint_id":"4096478","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2021-01-26T11:22:33.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Trillions of dollars poured through the hands of <em>securities</em> brokers who prospered during the worst crash since the Great Depression plus receiving trillions of dollars in bailouts and <em>bond</em> purchases. Everything else was reduced to rubble. \n\nThe expectation of the homeowner, including myself, was that he/she was a borrower in a loan transaction."]},"sort":[7.520049,"4096478"]},{"_index":"complaint-public-v1","_id":"3849594","_score":7.3991504,"_source":{"product":"Debt collection","complaint_what_happened":"Complaint against XXXX XXXX and XXXX for damages and return of stolen property. \n\nDear CFPB, I am a victim of XXXX XXXX illegal securitization and foreclosure practices and conspiracy with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( former XXXX  XXXX XXXX ( XXXX  ) ) and their subsidiary /DocX, XXXX and XXXX, owner of XXXX, who flooded US Courts with forged documents about non-existing sales of mortgages which never happened in the real life. \n\nIn reality, XXXX XXXX, XXXX, XXXX ( current XXXX   XXXX  ) and XXXX  operate a highly criminal enterprise though their XXXX  ( owned by XXXX/XXXX  XXXX  ) and XXXX  system ( owned by XXXX  ) where XXXX XXXX XXXX like XXXX XXXX manipulate DATA ( information ) about borrowers identity and their loans. \n\nXXXX/XXXX  hire lawyers acting via email distribution of records to originate foreclosures for designated by XXXX XXXX. \n\nXXXX/XXXX, who are acting on behalf of their clients, XXXX XXXX XXXX   who are assigned certain IDs to access the system ( XXXX XXXX ID is XXXX ), prepare forged documents which they email to foreclosure mill lawyers ( who do not even know for whom they work because lawyers do not have any contact with clients and receive their fees via XXXX/XXXX. \n\nThese documents are massively filed in the Court on behalf of designated by XXXX XXXX, non-existing Trusts who help XXXX XXXX  to steal homes as a revenue for XXXX XXXX under glimpse of repayment debt to investors, who are unsecured creditors for XXXX  XXXX. \n\nThe actual loans are never sold and in fact are destroyed at the origination so no one company ( special Trust and Trustees who appear in the Court ) does not have these loans in their accounting books to help XXXX XXXX  to avoid violations for lending practices. \n\nStatement of Facts : On XX/XX/XXXX I entered into a contract which appeared to be a Contract for mortgage to finance a property with purportedly XXXX XXXX XXXX  XXXX  who posed as a Lender. \n\nIn reality, the real purpose of this transaction was a PURCHASE from ME a security instrument ( Promissory Note and Mortgage ) by XXXX XXXX who operated a fraudulent securitization scheme by selling UNSECURED bonds to Investors issued under street name. See XXXX of XXXX. \n\nThe performance of these Notes was not attached to any Mortgages or parts of any mortgages but solely on Index performances which is manipulated by the same banks who issue bonds. \n\nMoreover, XXXX XXXX  purchased insurance contracts that certain events in the group of notes will fall. These events were specifuically designed by XXXX XXXX when they placed their bets with Insurers like XXXX, and XXXX  collected handsome {$50.00} XXXX profits from the bailout. \n\nAs discussed in the accompanying prospectus, the notes are indexed debt securities and are part of a series of debt securities entitled Medium-Term Notes, Series B issued by The XXXX XXXX XXXX XXXX XXXX The notes will rank equally with all other unsecured and unsubordinated debt of The XXXX XXXX XXXX   , Inc. \" XXXX XXXX provided XXXX with a giant line of credit to use for purchases of initial security instrument Promissory Note from the borrower which was instantly converted into DATA via XXXX/XXXX and sold to investors as unsecured bonds. \n\nXXXX, who never was a lender or a Servicer of any Trusts, received a fee for participating in XXXX XXXX  scheme and was removed from the business in XXXX when XXXX did not need them anymore. \n\nSee Trust XXXX XXXX Pooling and Servicing Agreement where XXXX XXXX confirmed to be the Issuer of usecured bonds ; and described how XXXX XXXX DESIRES to buy mortgages which XXXX DESIRES to sell ; and how all documents and transfers SHALL be handled. \n\nWhat is the condition subsequent? acquisition of loans. What does the agreement do? Nothing until the loans are acquired. When are the loans acquired? Never. \nXXXX never sold any loans to XXXX  simply because XXXX never had any loans to sell ; and nothing was pooled in any Trusts which were either never formed or formed as a scam conduit to GS. See citation below. * Note that None of this matters until AFTER loans are acquired. Legal acquisition of a debt occurs in only one way : PAYMENT in exchange for conveyance of ownership. If it refers to an event that is not recited as having already occurred, or a transaction that is not specifically identified such that one could easily determine if the event had already occurred, the document is worthless unless and until evidence is introduced proving that the event occurred. \nWhere can this agreement be found? Sec.gov. Why was it uploaded? So lawyers in foreclosure cases could claim judicial notice of what appeared to be a government document when in fact the investment banks were taking advantage of a loophole that allows them to upload documents that are not reviewed, approved or controlled in any way. \nThe only proof that matters is the payment of value for the underlying debt or obligation. No such transaction exists because the only people who paid value were investors and all they received was an unsecured IOU ( certificate/mortgage bond ) from the investment bank. They did not receive ownership or any right, title or interest to any loan because they didnt want it. \nThe same is true for the investment bank and everyone else. That is why they can claim they are not lenders and therefore not subject to claims of violations of lending laws. And THAT is why if you ask for proof of purchase of the loan you will get nothing but obfuscation and lies. \nThe same lesson holds true for servicer records. Are they the servicer? Only if they are administering a credit account for a creditor. If there is no account there is no creditor. If there is no creditor there can be no servicer. If there is no account there can be no claim of loss in that account.\n\nXXXX XXXX profits from trading backed by my information unsecured Notes was about {$180.00} per {$1.00} they spent to purchase my signature on the Note. \n\nMy loan was never purchased or placed on any account of any Company. As of today nobody owns my so-called loan. \n\nIn XX/XX/XXXX, when XXXX XXXX  fraud and forgery surfaced, DOJ entered a fictitious Cease and Desist Order about which XXXX XXXX were aware in advance when they adjusted their fraudulent foreclosures tactics. \n\nAs soon as the ink dried on all Orders, XXXX XXXX, XXXX and XXXX flooded the entire Court system with illegal foreclosures. The only new restriction was foreclosures must not be filed in the name of MERS. See Wells Fargo/XXXX/XXXX  Foreclosures manual. \n\nIn XX/XX/XXXX Goldman Sachs XXXX XXXX hired law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to whom they provided the name of designated Plaintiff XXXX XXXX  and forged Assignment prepared by purportedly XXXX ( bankrupt since XXXX ). \n\nXXXX had no idea who are their clients and who pay them legal fees, it was all done via emails and codes on XXXX/XXXX. \nFor example take a look at this from Wells Fargo : As of XX/XX/XXXX, all new referrals will be sent through XXXX instead of XXXX. Desktop referrals can be identified by the XXXX step, REFERRED IN XXXX  on the XXXX screen in XXXX. You will still have loans that were previously referred through XXXX that should continue being processed during this time. Reports You will receive several daily, weekly, and monthly reports to assist you in effectively monitoring and processing of your portfolio. The reports will be listed within the appropriate section of the manual. Effective XX/XX/XXXX, for attorneys, the reports will be uploaded to your XXXX mailbox. First, refer to your Transmission Confirmation Document. Then, access your Prod URL. Finally, key in your Universal ID/LogonID. For liaisons, the reports will be in the DS_FC_AttorneyRpts folder on the shared drive. Reports are to be considered either reference or action required. Reference reports are meant to give a status of the portfolio. \nAction required reports alert you of a task that needs to be performed. The following reports are meant to give you a general overview of the status of your portfolio. \n\n\nOn XX/XX/XXXX XXXX lawyers presented ANOTHER version of forged Note provided to them by XXXX or XXXX/XXXX. \n\nThis original was never given to me and never filed with the Court due to Judge XXXX XXXX concealment of these key documents ( which suggests a systemic bribery of Judges by Goldman Sachs and their co-conspirators ) In XX/XX/XXXX realtor XXXX XXXX, who also did not know whom he is serving and who is his client ( he received referrals for sales from XXXX  ) sold my property acting as representative for XXXX XXXX and a Board of Directors ( non-existing ) of non-existing Trust. \n\nAs the result, I suffered significant damages and severe XXXX  XXXX  while XXXX XXXX and XXXX XXXX  continue to operate the same criminal scheme as of today. \n\n\n\nEXHIBIT O XXXX PURCHASE AGREEMENT ================================================================================ AMENDED AND RESTATED FLOW MORTGAGE LOAN PURCHASE AND WARRANTIES AGREEMENT GOLDMAN SACHS MORTGAGE COMPANY, Purchaser and XXXX XXXX & XXXX Seller Dated as of XX/XX/XXXX Conventional Fixed and Adjustable Rate Residential Mortgage Loans XXXX XXXX XXXX  PURCHASE AND WARRANTIES AGREEMENT This AMENDED AND RESTATED XXXX XXXX XXXX PURCHASE AND WARRANTIES AGREEMENT, dated as of XX/XX/XXXX ( \" Agreement '' ), by and between XXXX XXXX  Mortgage Company, a XXXX XXXX   limited partnership, having an office at XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX ( the `` Purchaser '' ), and XXXX XXXX & XXXX having an office at XXXX XXXX XXXX XXXX, XXXX CA XXXX ( the \" Seller '' ). \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WHEREAS, the Purchaser and Seller are parties to that certain Flow Mortgage Loan and Purchase Warranties Agreement, dated as of XX/XX/XXXX, as amended ( the \" Original Purchase Agreement '' ), pursuant to which the Seller desires to sell to the Purchaser, and, from time to time, the Purchaser desires to purchase from the Seller, certain fixed and adjustable rate first and second lien residential mortgage loans ( the \" Mortgage Loans '' ) on a servicing released basis as described herein, and which shall be delivered as a pool of whole loans on the dates as provided herein ( each, a \" Closing Date '' ) ; WHEREAS, at the present time, the Purchaser and the Seller desire to amend the Original Purchase Agreement to make certain modifications as set forthherein with respect to all Mortgage Loans acquired pursuant to this Agreement orthe Original Purchase Agreement. \n\nNOW, THEREFORE, in consideration of the premises and mutual agreements set forth herein, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Purchaser and the Seller agree as follows : Subsection 6.02 Books and Records. \n\nRecord title to each Mortgage as of the related Closing Date shall be in the name of the Seller, an Affiliate of the Seller, the Purchaser or one or more designees of the Purchaser, as the Purchaser shall select. \nNotwithstanding the foregoing, each Mortgage and related Mortgage Note shall be possessed solely by the Purchaser or the appropriate designee of the Purchaser, as the case may be. All rights arising out of the Mortgage Loans including, but not limited to, all funds received by the Seller after the related Cut-off Date on or in connection with a Mortgage Loan shall be vested in the Purchaser or one or more designees of the Purchaser ; provided, however, that all funds received on or in connection with a Mortgage Loan shall be received and held by the Seller in trust for the benefit of the Purchaser or the appropriate designee of the Purchaser, as the case may be, as the owner of the Mortgage Loans pursuant to the terms of this Agreement. \n\nThe sale of each Mortgage Loan shall be reflected on the Seller 's balance sheet and other financial statements as a sale of assets by the Seller. \n\nThe Seller shall be responsible for maintaining, and shall maintain, a complete set of books and records for each Mortgage Loan which shall be marked clearly to reflect the ownership of each Mortgage Loan by the Purchaser, which marking may be evidenced by a designation of electronic files or records maintained by the Seller in connection with each Mortgage Loan. In particular, to the extent required by applicable law, the Seller shall maintain in its possession, available for inspection by the Purchaser, and shall deliver to the Purchaser upon demand, evidence of compliance with all federal, state and local laws, rules and regulations. To the extent that original documents are not required for purposes of realization of Liquidation Proceeds or Insurance Proceeds, documents maintained by the Seller may be in the form of microfilm or microfiche. \n\nSubsection 6.03 Delivery of Mortgage Loan Documents.\n\nThe Seller shall deliver and release to the Custodian no later than three ( 3 )  Business Days prior to the related Closing Date the documents and instruments in the Mortgage File for each Mortgage Loan. \n\nThe Custodian shall certify its receipt of all such Mortgage Loan Documents required to be delivered pursuant to the Custodial Agreement for the related Closing Date, as evidenced by the certification and trust receipt of the Custodian in the form annexed to the Custodial Agreement. The Seller shall comply with the terms of the Custodial Agreement and the Purchaser shall pay all fees and expenses charged by the Custodian associated with the initial inventory and maintenance of the Mortgage Loan Documents. \n\nThe Seller shall forward to the Custodian, or to such other Person as the Purchaser shall designate in writing, original documents evidencing an assumption, modification, consolidation or extension of any Mortgage Loan entered into in accordance with this Agreement within two weeks of their execution, provided, however, that the Seller shall provide the Custodian, or to such other Person as the Purchaser shall designate in writing, with a certified true copy of any such document submitted for recordation within two weeks of its execution, and shall promptly provide the original of any document submitted for recordation or a copy of such document certified by the appropriate public recording office to be a true and complete copy of the original within 180 days of the related Closing Date. \n\nIn the event any document required to be delivered to the Custodian pursuant to the preceding paragraph, including an original or copy of any document submitted for recordation to the appropriate public recording office, is not so delivered to the Custodian, or to such other Person as the Purchaser shall designate in writing, within 180 days following the related Closing Date ( other than with respect to the Assignments of Mortgage which shall be delivered to the Custodian in blank on or prior to the related Closing Date and recorded subsequently by the Purchaser or its designee ), and in the event that the Seller does not cure such failure within 30 days of discovery or receipt of written notification of such failure from the Purchaser, the related Mortgage Loan shall, upon the request of the Purchaser, be repurchased by the Seller at the price and in the manner specified in Subsection 9.04. The foregoing repurchase obligation shall not apply in the event that the Seller can not deliver such original or copy of any document submitted for recordation to the appropriate public recording office within the specified period due to a delay caused by the recording office in the applicable jurisdiction, provided that ( i ) the Seller shall deliver a recording receipt of such recording office or, if such recording receipt is not available, an Officer 's Certificate of a servicing officer of the Seller, confirming that such documents have been accepted for recording ( upon request of the Purchaser and delivery by the Purchaser to the Seller of a schedule of the related Mortgage Loans, the Seller shall reissue and deliver to the Purchaser or its designee said Officer 's Certificate relating to the related Mortgage Loans ), and ( ii ) such document is delivered within twelve ( 12 ) months of the related Closing Date. \n\nThe Seller shall pay all initial recording, registration or transfer fees, if any, for the assignments of mortgage and any other fees or costs in transferring all original documents to the Custodian or, upon written request of the Purchaser, to the Purchaser or the Purchaser 's designee. The Purchaser or the Purchaser 's designee shall be responsible for recording the Assignments of Mortgage and shall be reimbursed by the Seller for the costs associated therewith pursuant to the preceding sentence. \n\nSubsection 6.04 Quality Control Procedures. \n\nThe Seller shall maintain an internal quality control program that verifies in a manner consistent with accepted industry procedures, on a regular basis, the existence and accuracy of the legal documents, credit documents, property appraisals, and underwriting decisions that the Seller maintain for other mortgage loans purchased, originated and serviced by the Seller. The program includes evaluating and monitoring the overall quality of the Seller 's loan production and the servicing activities of the Seller. The program ensures that the Mortgage Loans are originated and serviced in accordance with Accepted Servicing Practices and the Underwriting Guidelines, guards against dishonest, fraudulent, or negligent acts ; and guards against errors and omissions by officers, employees, or other authorized persons. \n\nSECTION 7. Servicing of the Mortgage Loans. \n\nThe Mortgage Loans shall be sold by the Seller to the Purchaser on a servicing released basis. Subject to, and upon the terms and conditions of this Agreement, with respect to the Mortgage Loans, the Seller hereby sells, transfers, assigns and delivers to the Purchaser, on the related Closing Date, the Servicing Rights with respect to the Mortgage Loans in the related Mortgage Loan Package. \n\nThe Purchaser shall retain the Seller as contract servicer of the Mortgage Loans for an interim period pursuant to and in accordance with the terms and conditions contained in the Interim Servicing Agreement ( with respect to each Mortgage Loan, for an interim period, as specified therein ). Pursuant to the Interim Servicing Agreement, the Seller shall begin servicing the Mortgage Loans on behalf of the Purchaser and shall be entitled to the Servicing Fee with respect to such Mortgage Loans from the related Closing Date until the termination of the Interim Servicing Agreement with respect to the related Mortgage Loans as set forth therein, but in no event shall the Seller receive less than 90 days of such compensation.","date_sent_to_company":"2020-09-25T13:55:01.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"606XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3849594","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2020-09-16T10:20:35.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["No such transaction exists because the only people who <em>paid</em> value were investors and all they received was an unsecured IOU ( certificate/mortgage <em>bond</em> ) from the investment bank. They did not receive ownership or any right, title or interest to any loan because they didnt want it. \nThe same is true for the investment bank and everyone else. That is why they can <em>claim</em> they are not lenders and therefore not subject to <em>claims</em> of violations of lending laws."]},"sort":[7.3991504,"3849594"]},{"_index":"complaint-public-v1","_id":"10599264","_score":7.3357396,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Notice to all, I am that I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives there of for the surname /given name ( name ), and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hear by claim that I will d/b/a ( name ) and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I dispose the following facts, So be it, now present : Fact, the fair debt collection practices act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights won't be violated again due to my lack of consent and this herein unrebutted affidavit of truth being served to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as exhibit A that ( creditor ) is in violation of 15 usc 1681a ( 2 ) ( B ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B the ( creditor ) is in violation of 15 U.S. Code 1681b ( a ) ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit C that ( creditor ) is in violation of 15 U.S. Code 1681 ( A ) ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit D that ( creditor ) is in violation of 15 usc 1692j ( a ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit E that ( creditor ) is in violation of 15 usc 1681e ( b ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit F that ( creditor ) is in violation of 15 usc 6801 ( a ) ( 1 ) Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. \nI do not consent to these proceedings. \nI do require subrogation of the bond to settle the charge. \nOn the date of ( date ) ( name ), agent, d/b/a/ ( name ) came before me today present as a flesh and blood living being ( non entity/ non debtor ) under oath to the most high of creation only and provided the facts listed herein. \nYour Name Printed : ( name ) Your Signature : Sworn to or affirmed by and subscribed before me on ( date ) Notary Name : Notary Signature : Client Name : Address : City/State/Zip Creditor : Address : City/State/Zip Date : CEASE AND DESIST - Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, I am demanding that you cease all forms of communication with me through any and all mediums.\n\nPursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : - Zero out the balance on this account.\n\n- Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.\n\n- Deletion from all consumer reports.\n\n- Grant me my title lien free ( For Repossessions ) ( auto loans ) Best regards, ( Name ) I am requesting all of the following from your agency : 1. Name and address of alleged creditor : 2. Name on file of the alleged debtor : 3. Alleged account # 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date ( this alleged debt became payable ) : 7. Date of original charge or delinquency : 8. Was this debt assigned to a debt collector or purchased?\n\n9. Amount paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : - Agreement with your client that grants ( creditor ) the authority to collect this alleged debt - Signed agreement debtor has made with debt collector, or other verified proof Debtor has a contractual obligation to pay Debt Collector - Any agreement that bears the signature of debtor, wherein agreed to pay Creditor. \n- All statements while this account was open - Have any insurance claims been made by any creditor regarding the account? \nYes or No Have any judgments been obtained by any creditor regarding this account? \nYes or No?\n\nPlease provide the name and address of the bonding agent for ( creditor ), in case legal action becomes necessary : Authorized Signature of Creditor : Date : Client Name : Address : City/State/Zip Creditor Name : Address : City/State/Zip : Date : Exhibit A Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction below.\n\nAccount : Account Number : Thank you, ( Name ) Client Name : Address : City/State/Zip Creditor Name : Address : City/State/Zip : Date : Exhibit B Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.\n\nPursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? Technically debt is a twofold word, it is any obligation or an alleged obligation and you cant choose both. ( Creditor ) is basically making it an obligation for me to pay on a debt without my direct consent. I ( name ) the consumer never gave ( creditor ) any written consent to report anything on my consumer report. No consent is Identity Theft. \nAccount : XXXX DELAWARE XXXX XXXX XX/XX/XXXX - - Inquiry In Dispute ALLY FINANCIAL - - X XX/XX/XXXX Inquiry In Dispute NCCINC/LEXUS OF WILMIN - - X XX/XX/XXXX Inquiry In Dispute XXXX XXXX XXXX XXXX XXXX X XX/XX/XXXX Inquiry In Dispute XXXX XXXX XXXX CO XXXX XXXX X XX/XX/XXXX Inquiry In Dispute XXXX XXXX XXXX FIN - - X XX/XX/XXXX Inquiry In Dispute XXXX XXXX - X XX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX - X XX/XX/XXXX - Inquiry In Dispute XXXX - X XX/XX/XXXX - Inquiry In Dispute XXXX XXXX - X XX/XX/XXXX - Inquiry In Dispute XXXX XXXX XXXX X XX/XX/XXXX - - Inquiry In Dispute XXXX XXXX - - X XX/XX/XXXX Inquiry In Dispute XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry In Dispute XXXX XXXX XXXX - X XX/XX/XXXX - Inquiry In Dispute XXXX XXXX - X XX/XX/XXXX - Inquiry In Dispute Derogatory Items Derogatory Items : XXXX Account Name Account Details XXXX TransUnion XXXX Issue XXXX XXXX XXXX XXXX XXXX XXXX Negative X XXXX X Negative Was 30 days late 1 time ( s ). Was 30 days late 1 time ( s ). Was 30 days late 1 time ( s ). \nIn Dispute XXXX  View Details - - X Negative Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 3 time ( s ). \nIn Dispute XXXX XXXX XXXX XXXX  View Details - - X Negative Was CO days late 14 time ( s ). \nIn Dispute XXXX XXXX XXXX XXXX XXXX Negative - X Negative Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 2 time ( s ). Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 2 time ( s ). Was CO days late 14 time ( s ). \nIn Dispute XXXX XXXX XXXX ( Original Creditor : CAPITAL XXXX N.A. ) View Details X Negative - X Negative Was CO days late 6 time ( s ). Was CO days late 4 time ( s ). \nIn Dispute XXXX XXXX Number Of Public Record : XXXX Account Name XXXX TransUnion XXXX Issue Action Account Number : Thank you, ( Name ) Client Name : Address : City/State/Zip Creditor Name : Address : City/State/Zip : Date : Exhibit D Pursuant to 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Who is the original creditor? I am, How? When I am given credit I am really receiving something that already belongs to me. Let me explain : my social security card is owned by the SSA, so legally all my debts the U.S. debts. Now, let me get back to explaining how I am the original creditor. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card.\n\nThis is the credit card I used to originate the consumer credit transaction below. Also, banks can not loan money, it is illegal for banks to loan money. This is why the FDCPA 15 USC 1692 never uses the term borrower. You see how I am the original creditor now? ( Creditor ) is showing on my consumer report as the original consumer and this is furnished deceptively. \nHow can you label yourself as the original creditor on my consumer report when I am the one creating the debt and I am being loaned my own money from my social security card? This is very deceptive to me, I wonder how deceptive it would look XXXX the BBB, CFPB, and the Attorney General. \nAccount : Account Number : Thank you, ( Name ) Client Name : Address : City/State/Zip Creditor Name : Address : City/State/Zip : Date : Exhibit E Pursuant to 15 usc 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.. Upon viewing my credit reports Ive noticed the reported account ( creditor ) ( account number ) had a discrepancy in the date last active section. If this is the same account, reported by the same creditor, how are these numbers different? 15 usc 1681e ( b ) states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Why do the accounts listed below contain inaccuracies? Isnt this a violation of my rights as a consumer?\n\n( Account ) ( Account Number ) Thank you, ( Name ) Client Name : Address : City/State/Zip Creditor Name : Address : City/State/Zip : Date : CFPB COMPLAINT ( Part 1 ) MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STAT","date_sent_to_company":"2024-10-28T23:53:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"198XX","tags":null,"has_narrative":true,"complaint_id":"10599264","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-10-28T23:53:20.000Z","state":"DE","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":["The credit card is my social <em>security</em> card. This is the credit card I used to <em>originate</em> the consumer credit transaction below.\n\nAccount : Account Number : Thank you, ( Name ) Client Name : Address : City/State/Zip Creditor Name : Address : City/State/Zip : Date : Exhibit B Under 15 U.S."]},"sort":[7.3357396,"10599264"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":42,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":42}]}},"product":{"doc_count":42,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":12,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mortgage debt","doc_count":8},{"key":"Auto debt","doc_count":1},{"key":"Credit card debt","doc_count":1},{"key":"I do not know","doc_count":1},{"key":"Rental 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