{"took":270,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":477,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"22439511","_score":16.199965,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"NOTICE OF RESCISSION AND RELEASE OF LIENI demand proof of authority from XXXX XXXX a division of Truist Bank. Who owns the note, who services the account, who holds the original instrument, how down payment was applied, what fees were added, what insurance or escrow activity occurred, and whether the party collecting has the lawful right to enforce the allege debt. XXXX XXXX a division of Truist Bank need to prove every claim. Im requesting the complete life of loan payment history, not a summary, the full Ledger. Every payment fee, late charge, suspense, account entry, escrow advance, corporate advance, fees, insurance disbursement, tax disbursement and charge off, And adjustment. XXXX XXXX a division of Truist Bank must follow XXXX. XXXX XXXX accepted the instrument that alleged borrower have tendered, XXXX XXXX have a claim or possessionary right in the instrument and its proceeds under XXXX of the UCC. Any defense and any claim in RE-COUPMENT under section XXXX of the UCC, which XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX if Plaintiff does not credit XXXX XXXX account and release the XXXX. The XXXX can identify who the principal is from, which capital and interest were taken, and who the recipient or who the payer of the funds are, and who is holding the account in escrow and unadjusted.Upon payment of all sums secured by this XXXX instrument. Lender will release this security instrument. Borrow will pay any recordation costs associated with such release. Lender XXXX charge borrow a fee for releasing this XXXX XXXX, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under applicable law. failure of consideration, failure to XXXX, XXXX in the inducement, Constructive and XXXX XXXX of XXXX XXXX XXXX. XXXX give the slingshot to XXXX XXXX. However, I am demanding that you get my bank credits returned to mein the form of a XXXX \" material breach '' of contract is a significant violation that fundamentally undermines the agreement 's purpose, allowing the non-breaching party to seek remedies like termination or XXXX agreement is void and XXXX XXXX is released from further XXXX XXXX initial breach is material, the other party to the contract is excused from performing his or her contractual XXXX materialbreach of contractrefers to a court finding that a party failed to satisfy their obligations significantly enough to where the aggrievedparty is entitled to aremedy. I am not terminating or canceling this contract, XXXX simply stating that unless you can rebut the claims brought against you in this notice with substantial evidence, then I discharge all liability contained in this alleged obligation, without recourse, and I am rescinding the security interest in this agreement and any right I waived unknowingly, unintentionally and involuntarily as I have found several violations including but not limited to : Failure of consideration, failure to disclose, violation of Truth In Lending Act and constructive fraud. I respectfully request prompt processing of this accountant and issuance of satisfaction of debt, release of XXXX or encumbrances related to this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, dismissal of pass, current and future court actions by XX/XX/XXXX. I request that you immediately CEASE and DESIST all actions with me. With this notice, under the law, XXXX XXXX can now only contact us to : XXXX. To advise us that XXXX XXXX a division of Truist Bank further efforts are being terminated ; XXXX. To notify us of remedies. Thank you for your assistance in this matter.","date_sent_to_company":"2026-05-21T18:21:54.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"33579","tags":null,"has_narrative":true,"complaint_id":"22439511","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2026-05-21T18:06:12.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["<em>Lender</em> will <em>release</em> this <em>security</em> instrument. Borrow will pay any recordation costs associated with such <em>release</em>. <em>Lender</em> XXXX charge borrow a fee for <em>releasing</em> this XXXX XXXX, but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under applicable law. failure of consideration, failure to XXXX, XXXX in the inducement, Constructive and XXXX XXXX of XXXX XXXX XXXX. XXXX give the slingshot to XXXX XXXX."]},"sort":[16.199965,"22439511"]},{"_index":"complaint-public-v1","_id":"18448552","_score":14.8549795,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Complaint Narrative : I am filing this formal complaint to assert my right to RESCIND ( cancel ) my loan with Dividend Solar Finance, originated on XX/XX/XXXX. \nXXXX. Assertion of Equitable Tolling ( Timeliness of Claim ) Under the Truth in Lending Act ( TILA ), a borrower typically has XXXX years to rescind a loan if disclosures are materially defective. While that statutory period would have technically expired on XX/XX/XXXX, I assert that the deadline is equitably tolled ( extended ) due to the lender 's active fraudulent concealment. \nThe Concealment : Dividend Solar Finance intentionally hid a staggering {$80000.00} \" Dealer Fee '' ( or \" Platform Fee '' ) within the principal balance of my loan to manufacture a deceptive XXXX % interest rate. They did not disclose this as a Finance Charge, but rather disguised it as \" Amount Paid to Seller, '' making it impossible for me to detect the violation at signing. \nThe Discovery : I was prevented from discovering this scheme until recently, when legal counsel and federal litigation ( In re Dividend Solar Finance, LLC ) revealed that XXXX % loans in late XXXX were economically impossible without massive hidden subsidies. \nThe Result : Because the lender actively hid the facts necessary for me to exercise my rights, they can not benefit from the lapse of time. My right to rescind remains active. \nXXXX. The Evidence of {$80000.00} in Fraudulent Inflation The loan agreement lists a XXXX % APR and an Amount Financed of {$110000.00}. \nTrue Market Value : The actual fair market value of the solar equipment installed is approximately {$30000.00}. \nThe Hidden Fee : There is an unexplained, undisclosed variance of over {$80000.00} ( nearly XXXX % of the total loan ) that does not represent tangible goods or services. This {$80000.00} is a prepaid finance charge used to buy down the rate from market levels ( XXXX % ) to the artificial XXXX %. \nLegal Violation : By burying this {$80000.00} fee in the principal, Dividend Solar Finance violated 15 U.S.C. 1605 ( a ), which requires all costs of credit to be disclosed as Finance Charges. This rendered the TILA disclosures materially false and legally void. \nXXXX. Demand for Relief I have sent a formal Notice of Rescission directly to the lender. Through this complaint, I demand that the CFPB oversee this process to ensure Dividend Solar Finance complies with its obligations under 15 U.S.C. 1635 ( b ) : XXXX. Void the Security Interest : The lender must immediately release any UCC-1 filing or security interest in my home. \nXXXX. Return All Payments : All interest and principal paid to date must be refunded.","date_sent_to_company":"2026-01-04T00:24:27.000Z","issue":"Problem with additional add-on products or services","sub_product":"Installment loan","zip_code":"84074","tags":null,"has_narrative":true,"complaint_id":"18448552","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2026-01-04T00:16:51.000Z","state":"UT","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Demand for Relief I have sent a formal Notice of Rescission directly to the <em>lender</em>. Through this complaint, I demand that the CFPB oversee this process to ensure Dividend Solar Finance complies with its obligations under 15 U.S.C. 1635 ( b ) : XXXX. Void the <em>Security</em> Interest : The <em>lender</em> <em>must</em> <em>immediately</em> <em>release</em> any UCC-1 filing or <em>security</em> interest in my home. \nXXXX. Return All Payments : All interest and principal paid to date <em>must</em> be refunded."]},"sort":[14.8549795,"18448552"]},{"_index":"complaint-public-v1","_id":"1697039","_score":14.66212,"_source":{"product":"Credit reporting","complaint_what_happened":"I would like to write a follow up complaint regarding the investigative results I recently received from Equifax regarding an illegal item which appears in the section marker PUBLIC RECORDS on my credit report. \nMy lender has just refused me a mortgage refinance re-structuring on the grounds that this item is present on my credit file with Equifax ( only ) making me a \" high risk '' consumer. \nI have literally lost the ability to save nearly 2 % on my mortgage loan because of this falsely reported item which Equifax refuses to remove from my file. -Case # XXXX was incorrectly placed against me before I had counter sued and won the plaintiffs in XXXX XXXX superior court. \nThis case is not supposed to be updated to show \" satisfied/released '' because it was never paid or ever owed and the Judge ruled the case in my favor throwing out this judgment against me pending my counter suit, which settled in 2012. There are currently NOT supposed to be any public records items on file under my name or social security number and Equifax is in violation of FCRA law by reporting this misinformation in my records. I have no such items listed under any other credit reporting bureau and this is a mistake on Equifax 's behalf. I demand that it be removed immediately, I am currently in the process of shopping for my mortgage to be restructured so that my family does not lose our home and they are severely hindering my ability to acquire any and all rates being offered to me through my bank. \n\nI strongly disagree with Equifax 's decision and reinvestigation methods. I received no new information, no proof of this item and no release/satisfied notices. Where did they come to this concision? How? Let us see the proof? now! \nEquifax HAD NO RIGHT TO UPDATE or CHANGE THIS TO ITEM REFLECT EVEN MORE INACCURACIES! This item was never paid, never released because it was EXPUNGED and thrown out of court pending a counter suit with the original creditor. I do not and have never owed this amount NOR is your system up to date if you were able to see this old item. The XXXX XXXX superior court has issued me an expunging of this case and I was free and removed from this lawsuit. It MUST be removed from my records immediately!","date_sent_to_company":"2015-12-15T20:18:22.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"91401","tags":"Older American","has_narrative":true,"complaint_id":"1697039","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2015-12-15T20:18:22.000Z","state":"CA","company_public_response":null,"sub_issue":"No notice of investigation status/result"},"highlight":{"complaint_what_happened":["This item was never paid, never <em>released</em> because it was EXPUNGED and thrown out of court pending a counter suit with the original creditor. I do not and have never owed this amount NOR is your system up to date if you were able to see this old item. The XXXX XXXX superior court has issued me an expunging of this case and I was free and removed from this lawsuit. It <em>MUST</em> be removed from my records <em>immediately</em>!"]},"sort":[14.66212,"1697039"]},{"_index":"complaint-public-v1","_id":"1654864","_score":14.125729,"_source":{"product":"Mortgage","complaint_what_happened":"I have been fighting with my servicers for a number of years in regards to my mortgage. I say servicers because I have been switched around from one servicer to the next over the past couple of years. My present servicer is Select Portfolio Servicing which I will refer to as SPS. I am completely frustrated with SPS. It appears to me that they are totally ignoring laws, rules and regulations that they are required to adhere to. After much research, I decided to mail SPS a Notice of Rescission, cancelling my deed of trust and debt. I mailed them the letter on XXXX XXXX, 2015 and they received it on XXXX XXXX, 2015. It is my understanding that Congress enacted the Federal Truth In Lending Act ( TILA ) to be self-enforcing. Upon mailing of the letter, TILA automatically extinguishes the lien and the liability of the lien. The security interest is void and of no legal effect irrespective of whether SPS or the true creditor makes any affirmative response to the notice or not. The voiding of the security interest is not a procedure in a step to be followed, it is automatic by operation of law. Because the notice of rescission is self-enforcing and the deed of trust is canceled by operation of law, there can be no legal foreclosure. Because there can be no legal foreclosure, any and all foreclosure against my property currently ongoing must be canceled forthwith. The auction currently scheduled for XXXX XXXX, 2015 must be canceled immediately. Under TILA, SPS, or the true creditor, had twenty ( 20 ) calendar days to dispute my rescission letter by filing a declaratory lawsuit against me. SPS nor the true creditor took any action against me. Since they have failed to take any action, SPS and the true creditor, have given up all rights or claims for the money they allegedly loaned to me. They have waived any all defenses to the rescission and they are now in violation of Federal law. Under TILA, my debt is not only unsecured, but it is eradicated starting with the rescission notice and ending with their failure to comply with TILA within the twenty ( 20 ) calendar day period. If the rescission letter is self-enforcing, it bewilders me why I have to go through such measures for them to abide by the law. Under TILA, SPS had to take mandatory steps, one of which was to provide me with a release of my mortgage and the other was to refund me all proceeds resulting from my loan. They failed to follow these mandatory steps. I am writing this complaint because I am actually mortified by their blatant disregard for the law. I respectfully request that you immediately review this case in critical detail and inform SPS of their wrongdoing.","date_sent_to_company":"2015-11-13T20:11:56.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional fixed mortgage","zip_code":"93313","tags":null,"has_narrative":true,"complaint_id":"1654864","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2015-11-13T20:11:55.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Because there can be no legal foreclosure, any and all foreclosure against my property currently ongoing <em>must</em> be canceled forthwith. The auction currently scheduled for XXXX XXXX, 2015 <em>must</em> be canceled <em>immediately</em>. Under TILA, SPS, or the true creditor, had twenty ( 20 ) calendar days to dispute my rescission letter by filing a declaratory lawsuit against me. SPS nor the true creditor took any action against me."]},"sort":[14.125729,"1654864"]},{"_index":"complaint-public-v1","_id":"12516814","_score":14.099701,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Bridgecrest XXXX regarding their deceptive and unlawful practices related to my automobile financing account. I received a Notice of Right to Cure and Intent to Repossess, dated XX/XX/XXXX, which contains multiple violations of consumer financial laws and misrepresentations regarding my alleged obligation. \n\nNature of Complaint 1. Failure to Provide a True Bill & Complete Accounting o I have repeatedly requested a full accounting and verification of the debt under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ) and 12 U.S.C. 1831n ( a ) ( 2 ) ( A ) ( Accounting Requirements for Financial Institutions ). \no Bridgecrest has failed to provide a detailed ledger, original wet-ink contract, and proper proof of claim, making it unclear whether any actual loan or lawful consideration was provided. \n2. Violation of Federal Truth in Lending Act ( TILA ) & Billing Error Laws o Under 15 U.S.C. 1637 ( b ) ( TILA Statement Requirements ) and 12 CFR 1026.7, Bridgecrest is required to provide a monthly billing statement that clearly outlines the amount owed, interest, and all applicable charges.\n\no Bridgecrest has failed to provide proper billing statements, making it impossible for me to verify the accuracy of their claims, violating TILAs disclosure and transparency requirements.\n\no Under 15 U.S.C. 1666 ( Billing Error Resolution ), a consumer has the right to dispute billing errors, and the financial institution is required to conduct an investigation and respond within 30 days. Bridgecrest has ignored these legal obligations. \n3. Cease Collection Efforts While Account is in Dispute o Under 15 U.S.C. 1692g ( b ) ( FDCPA Dispute Provision ), once an account is disputed, the creditor must cease all collection efforts until the dispute is resolved. \no Despite my dispute and demand for validation, Bridgecrest has continued collection activity and threats of repossession, which violates federal law. \n4. Potential Fraudulent and Deceptive Practices o Bridgecrest has continued to demand payments while failing to substantiate the lawful existence of the alleged debt.\n\no Under 12 CFR 229.34 ( Warranties & Indemnities ), financial institutions must operate in good faith and honor negotiable instruments properly tendered. However, they have refused to process my lawful instrument presented in settlement of the alleged obligation.\n\n5. Violation of UCC and Consumer Protection Laws o Under UCC 3-603 ( b ), if a tender of payment is made and refused, the obligation is discharged. I have submitted alternative tender per UCC and Title 31 banking laws, yet they refuse to apply it. \no Their threat of repossession while failing to process lawful payments is a bad-faith collection practice. \n6. UCC-11 Search & Security Interest in the Vehicle o I conducted a UCC-11 lien search under the name XXXX XXXX, and there are no liens attached to this name. \no As a result, I filed a UCC-1 lien against the vehicle, securing my priority interest in the property. \no Bridgecrest has no recorded security interest in the vehicle, meaning they lack lawful standing to claim the right to repossess or enforce an obligation. \nXXXX Credit Reporting Violations FCRA ( 15 U.S.C. 1681s-2 ) o Bridgecrest must report accurate information to credit bureaus. Any negative reporting based on an unverified, improperly handled debt violates the Fair Credit Reporting Act ( FCRA ). \no I demand the removal of any derogatory marks regarding this account and proper reporting of the account as \" Paid as Agreed. '' 8. Demand for Immediate Release of Lien & Title o Since Bridgecrest has no security interest in the vehicle, I demand the immediate release of the lien and title for the XXXX XXXX XXXX ( VIN : XXXX ). \no Any continued claim over this property is fraudulent and unenforceable. \nResolution Requested A full investigation into Bridgecrests collection and accounting practices. \nAn order directing Bridgecrest to validate the debt per federal requirements or cease collections immediately. \nAcknowledgment that I hold the superior security interest in the vehicle and that Bridgecrest has no lawful claim. \nCorrection of my credit report to remove any negative reporting related to this account. \nImmediate release of the lien and title to my vehicle, as Bridgecrest has no lawful claim over it. \nCease all collection activity, including repossession threats, until the dispute is resolved per federal law. \nBridgecrest must immediately provide all missing billing statements and comply with TILAs disclosure and billing error resolution requirements.","date_sent_to_company":"2025-03-17T06:34:53.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"30024","tags":null,"has_narrative":true,"complaint_id":"12516814","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2025-03-17T05:48:57.000Z","state":"GA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Bridgecrest <em>must</em> <em>immediately</em> provide all missing billing statements and comply with TILAs disclosure and billing error resolution requirements."]},"sort":[14.099701,"12516814"]},{"_index":"complaint-public-v1","_id":"10898216","_score":13.866754,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Flagship Credit Acceptance LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Response to Complaint Review and Request for Release of Vehicle Title Dear Flagship Credit Acceptance LLC, I am writing in response to your XX/XX/year>, communication regarding my complaint filed with the Consumer Financial Protection Bureau ( CFPB ). While I appreciate your acknowledgment of my concerns, your response contains inaccuracies and omissions that merit further review. \n\nLegal Breaches and Violations 1. Predatory Lending Practices under the Federal Truth in Lending Act ( TILA ) TILA ( 15 U.S.C. 1601-1667f ) mandates clear and accurate disclosure of loan terms, including finance charges, annual percentage rates ( APR ), and fees. However, your internal risk assessment model and the terms of my loan reflect disproportionate interest rates and fees inconsistent with the standard market for borrowers in my credit category. \nHidden Fees : Despite your assertion that no hidden fees exist, the compounding of extensions and associated costs demonstrates a lack of clarity, constituting a failure to provide the material disclosures required under 12 C.F.R. 1026.17.\n\nExcessive Late Fees : The late fees imposed ( 10 % of the unpaid amount, with a {$5.00} minimum ) may exceed state usury laws, depending on the specific terms disclosed in your contract. Excessive penalties that are arbitrary or disproportionate to actual damages are prohibited under TILA.\n\n2. Equal Credit Opportunity Act ( ECOA ) Violations The ECOA ( 15 U.S.C. 1691-1691f ) prohibits discriminatory practices in credit transactions. By placing bureaucratic obstacles on my requests for a loan modification and due date adjustment, you effectively denied me equal access to amend the loan terms despite my good-faith efforts to resolve the account.\n\nI contacted Flagship on multiple occasions to request both a loan modification and deferred payment, but these efforts were met with resistance. Your failure to provide these options as promised violates contractual good faith and fair dealing principles.\n\n3. Allocation of Payments and Failure to Disclose Payment Application Your response notes that the allocation method used is common to consumer finance companies. However, the lack of transparency regarding how payments are applied ( principal vs. interest vs. fees ) violates TILA disclosure requirements ( 15 U.S.C. 1639 ). This omission prevents me from effectively managing my repayment obl\n\nigations. 4. State Lien Law and Contractual Good Faith Breaches State lien laws typically require lenders to act in good faith when enforcing security interests. Your refusal to waive late fees or offer reasonable modifications, coupled with threats of repossession, undermines the implied covenant of good faith and fair dealing inherent in all contracts. According to UCC 9-610, secured parties must act in a commercially reasonable manner when enforcing security interests. The refusal to accommodate reasonable requests for modifications or deferments, particularly during financial hardship, may be deemed unreasonable under state law. Request for Title Release and Additional Remedies Given the breaches outlined above, I request that Flagship : 1. Release the vehicle title free and clear. Flagships practices, as described, fail to comply with federal and state laws governing loan disclosures, payment application, and equitable modifications. 2. Provide an accurate accounting of all fees and interest accrued to date, with an explanation of their compliance with applicable laws. 3. Cease repossession threats immediately. Any repossession actions without addressing these issues will constitute unlawful seizure under state law. \nI trust that Flagship will recognize its obligation to resolve this dispute in good faith. Please respond to this letter in writing within 14 days.","date_sent_to_company":"2024-11-22T16:58:56.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"21136","tags":null,"has_narrative":true,"complaint_id":"10898216","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FC HoldCo LLC","date_received":"2024-11-22T16:54:21.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["State Lien Law and Contractual Good Faith Breaches State lien laws typically require <em>lenders</em> to act in good faith when enforcing <em>security</em> interests. Your refusal to waive late fees or offer reasonable modifications, coupled with threats of repossession, undermines the implied covenant of good faith and fair dealing inherent in all contracts. According to UCC 9-610, secured parties <em>must</em> act in a commercially reasonable manner when enforcing <em>security</em> interests."]},"sort":[13.866754,"10898216"]},{"_index":"complaint-public-v1","_id":"6466337","_score":13.575483,"_source":{"product":"Mortgage","complaint_what_happened":"THIS IS A NOTICE OF DEFAULT AND OPPORTUNITY TO CURE DEFAULT NON-RESPONSE BY XXXX XXXX, XXXX XXXX and XXXX XXXX or board members. \nThis notice is to inform the CFPB President and board members as public witnesses to the default and non-response to my Affidavit of Trust. The original Is signed and notarized and XXXX XXXX XXXX, Beneficiary has the Original. \n\n\nAFFIDAVIT OF XXXX XXXX XXXX XXXX OHIO XXXX NATIONSTAR MORTGAGE XXXX XXXX MR. COOPER XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX : XXXX, Beneficiary c/o XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Near [ XXXX XXXX NOTICE TO PRINCPLE IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCPLE To : XXXX XXXX, XXXX XXXX and XXXX XXXX, in their Private XXXX XXXX : XX/XX/2022 The undersigned XXXX XXXX : XXXX, hereinafter Affiant, does hereby certify and declare that Affiant is competent to testify and state the matters set forth herein and is willing to testify with first-hand knowledge, all contents herein are true, correct, and complete in accordance with Affiants firsthand personal knowledge. Affiant is of sound mind, and over the age of twenty-one. Affiant reserves all rights. Affiant knowingly and willingly affirms : 1. Affiant is the person making this Affidavit. \n2. NATIONSTAR MORTGAGE LLC D/B/A MR. COPOPER, hereinafter Lender, is engaged in the business of taking deposits making loans.\n\n3. Affiant is the sole legal and absolute owner, maker, or issuer of the estate and any asset ( s ) or property ( ies ) regarding the estate and Affiant has never assigned, transferred, nominated any of Affiants right, title, or interest to any others.\n\n4. Affiant has no knowledge of nor has Lender ever revealed or disclosed to Affiant any trust relationship or creation of any trust or any other ( s ) regarding alleged account # XXXX or the Mortgage/Deed of Trust. \n5. Affiant never intended to agree to or consented to any trust relationship or creation of trust between Lender and Affiant. \n6. Affiant never knew of nor agreed nor consented to Lender or any others granting authority and becoming a trustee, agent, or having agency over any of Affiants property. \n7. Affiant understood Affiant was obtaining Lenders capital and not obtaining credit or a line of credit nor an open end nor closed end of any form of credit. \n8. Lender advanced credit to Affiant thus inducing Affiant into believing said advancement was from Lenders funds. \n\n\n9. Affiant was induced by Lender into believing Lenders capital was the only funding source of the alleged transaction. \n10. Lender actions to date prevent full disclosure to Affiant denying Affiant an opportunity to make a fully informed decision with regard to this alleged transaction. \n11. Lender never disclosed any documented fact that Lender purchased Affiants alleged obligation thereby allegedly obligating Affiant to Lender. \n12. Lender never produced or offered for signature, a binding bill of sale for ownership of Affiants monetary interests. \n13. Lender induced Affiant into believing Lenders capital was the sole source of funding regarding alleged account # XXXX. \n14. Lender is knowingly and willfully engaging in the collection of an extension of credit while inducing Affiant into believing Affiant is repaying Lenders own capital. \n15. Lender is using extortionate enforcement of payment without clear and full disclosure of foundation to Affiant. \n16. Lender is intentionally concealing and withholding material facts regarding any trust or the creation of any trust in re alleged Mortgage/Deed of Trust connected to alleged account # XXXX. \n17. Lender is intentionally concealing and withholding material facts regarding any trustee or beneficiary, designated, nominated, appointed, or assigned by Affiant. \n18. Lender is willfully withholding or concealing full disclosure of all material facts to Affiant. \n19. Lender is using undue influence upon Affiant to retain domination over the Affiants will to obtain the rights and property of Affiant without Affiants complete knowledge and intentional consent or agreement. \n20. Lenders action ( s ) exceed persuasion under duress by restraining and injuring Affiants will, property, and rights without the consent, agreement and knowledge of Affiant. \n\n\nAny man or woman having first-hand knowledge of all the facts asserted herein having power and authority to rebut this affidavit must rebut each and every point separately with the rebutting partys own signature and endorsement notarized, under the penalty of perjury and willing to testify, and executed as true, correct, and complete with positive proof attached. Absent positive proof any rebuttal shall be deemed null and void having no force or effect, thereby waiving any of Lenders immunities or defenses. \nAny rebuttal shall be mailed to the undersigned and the Notary address within ten ( 10 ) calendar days of Lenders receipt of this affidavit. \nWhen a rebuttal is not received by both the Affiant and the Notary within 10 days this entire Affidavit and default provisions shall be deemed true and correct. \nLender further agrees and consents to this administrative notice and default under this affidavit as clear and convincing evidence and proof of the facts asserted herein : 1. Lender agrees to a Deed of release or release of Mortgage. \n2. Lender agrees to set aside any Mortgage/Deed of Trust. \n3. Lender agrees that each point in this affidavit shall constitute a single claim against Lenders bond ( s ) for each point not specifically rebutted by Lender. \n4. Lender agrees to release any information, rather private or otherwise, to Affiant about any of Lenders agents or representatives Employee Dishonesty Bond, Directors and Officers Policy Bond, or any other liability bond ( s ), including the insurance or bond company name, bond company information, bond enforcement information, or any other of Lenders bond information Affiant requests. \n5. Lender hereby obligates and guarantees Lenders bond ( s ) to secure the performance of non-rebuttal of this affidavit to Affiant for any unfaithful performance of fiduciary duties, financial loss, or damages sustained by Affiant in connection to any breach of contract or this affidavit. Any amount is not limited by the value of any property or costs incurred by Affiant in seeking remedy for Lenders breach. \n6. Lender shall further agree that once or if Lenders bond ( s ) expire, terminate or do not equal the total amount due Affiant, Lenders President, Directors, and any of Lenders agents and representatives shall become individually liable for any difference due Affiant. \n7. Lender obligates and guarantees Lenders current or future bond ( s ) to discharge any allegations against Affiant. \n8. Lender immediately grants to Affiant the unconditional right of rescission regarding alleged account # XXXX and any security interest attached thereto. \n9. Lender agrees to the filing of a UCC-3 deleting the alleged mortgage/deed of trust in any public record. \n10. Lender agrees to the filing of a UCC-5 Correction in any public registry to correct the inaccurate, unlawful or illegal mortgage/deed of trust in any public record. \n11. Lender agrees this affidavit shall be used as first party evidence or positive proof in any remedy sought by Affiant. \n12. Lender shall return any money or property of Affiant including but not limited to any original documentation, including but not limited by, any Notes, securities, assets, applications, transfers, blotters, book entries, assignments, and security interests to Affiants address stated herein. \n13. Lender waives all rights to adjudicate the alleged agreement referenced herein.\n\n14. Lenders president and any directors waive all immunities regarding any future actions sought by Affiant. \n15. Lender shall immediately terminate any security interest and certify to Affiant the termination within 10 days. \n16. Lender is barred from any alleged right, title, or interest in any alleged account, note, monetary instrument, asset, or Mortgage/Deed of Trust regarding Affiant. \n17. Any alleged trustee or successor of Lender is hereinafter completely removed and disqualified as trustee, agent, or successor by Affiant. \n18. Lender and any of Lenders assigns or nominees are estopped henceforth from any action against any of Affiants rights or property. \n19. Lender abandons all right of entry, possession, judgment, assignment or notice regarding Affiant or Affiants property. \n20. Lender abandons the right of any alleged waiver or estoppel.\n\n21. Lender hereinafter discharges any alleged Mortgage/Deed of Trust or any alleged debt.\n\n22. Lender agrees that Lender is in violation of the Statute of Frauds. \n23. All relationships between Lender and Affiant are null and void.\n\n24. Lender agrees that Lender has breached the oral trust relationship with Affiant. \n25. Lender agrees that Lender has employed the extortionate extension of credit with regard to Affiant. \n26. Lender agrees that Lender is hereby removed and disqualified as trustee ( s ) pursuant to : a. Conflict of interest b. Concealment c. Breach of fiduciary responsibility ( ies ).\n\nd. Fraud. \n\n_______________________ XXXX XXXX XXXX NOTARY/JURAT On this XXXX day of XXXX, XXXXXXXX XXXX XXXX XXXX came before me , the Notary herein and under oath, attested and affirmed the signature as true, complete, and correct on the foregoing affidavit. I, the Notary, personally witnessed the Affiant swore under oath or penalty of perjury that the contents of this Affidavit are true, accurate, and complete. The Affiant also acknowledged the signing thereof to be of his/her own voluntary act and deed. \n\nState of Ohio ) ) County of XXXX ) Signed this daXXXX ofXXXX XXXX  at XXXX \n\n\nMy commission expires on : XXXX XXXX seal : ___________________ PROOF OF SERVICE I, the undersigned do hereby certify that on this XXXX day of XXXX, XXXX, that I did serve upon the LENDER, a true and correct copy of the foregoing Affidavit to their address as stated below using United States Postal Service Certified mail numbered XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. \n\n\n\n\nXXXX XXXX XXXX : XXXX XXXX, XXXX XXXX and XXXX XXXX Attorney for Plaintiff President/Chief Financial Officer XXXX XXXX XXXX XXXX NATIONSTAR MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX dba MR. COOPERXXXX XXXX XXXX XXXX. \nXXXX, Ohio XXXX XXXX, TX XXXX ****Please fill out and complete IRS W-9 form and return to above Address. \n\nBy : XXXX XXXX XXXX XXXX, XXXX","date_sent_to_company":"2023-01-21T15:52:50.000Z","issue":"Trouble during payment process","sub_product":"VA mortgage","zip_code":"43725","tags":"Servicemember","has_narrative":true,"complaint_id":"6466337","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2023-01-21T15:19:19.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Lender</em> <em>immediately</em> grants to Affiant the unconditional right of rescission regarding alleged account # XXXX and any <em>security</em> interest attached thereto. \n9. <em>Lender</em> agrees to the filing of a UCC-3 deleting the alleged mortgage/deed of trust in any public record. \n10. <em>Lender</em> agrees to the filing of a UCC-5 Correction in any public registry to correct the inaccurate, unlawful or illegal mortgage/deed of trust in any public record. \n11."]},"sort":[13.575483,"6466337"]},{"_index":"complaint-public-v1","_id":"13208975","_score":13.202312,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Formal Complaint Against XXXX XXXX for Wrongful Repossession, Fraudulent Payment Misrepresentation, and Consumer Rights Violations Summary of Issue XXXX XXXX wrongfully repossessed my vehicle despite full payment, violating Minnesota and federal consumer protection laws. They falsely claimed that my properly tendered payment was not a valid form of payment, while simultaneously keeping the funds without refunding themwhich constitutes fraudulent misrepresentation and unjust enrichment. Additionally, XXXX XXXX misled the CFPB by falsely claiming pending litigation to avoid responding to my initial complaint, obstructing resolution of a clear consumer rights violation. Given their documented history of deceptive repossession and financial misconduct, this matter aligns with a pattern of consumer abuse requiring immediate federal intervention. \n\nBackground Facts & Evidence 1. Lease Agreement Details On XX/XX/XXXX, I entered into a lease for a XXXX XXXX XXXX XXXX ( XXXX : XXXX ). \n\n2. Full Payoff & Overpayment On XX/XX/XXXX, I tendered {$51000.00}, which exceeded the payoff amount by {$10000.00}, providing additional value and consideration. \n\nThis payment was notarized and registered with the Minnesota Secretary of State, establishing indisputable legal proof of settlement. \n\n3. XXXX XXXX Fraudulent Payment Misrepresentation XXXX XXXX accepted the payment but later falsely claimed it was not a valid form of payment, despite retaining the funds and failing to issue a refund. \n\nThis intentional misrepresentation violates contract law, consumer fraud statutes, and federal debt collection regulations. \n\n4. Repossession Despite Confirmed Removal from Repo List On XX/XX/XXXX, XXXX XXXX accepted an additional payment to remove my vehicle from the repossession list, confirmed by their agent. \n\nNo new repossession notice was sent, yet XXXX XXXX wrongfully repossessed the vehicle anyway, violating Minnesotas title-based security interest laws. \n\n5. False Litigation Claim to CFPB XXXX XXXX falsely stated that litigation was pending, preventing proper investigation into my CFPB complaint. \n\nIn reality, I had only filed a Notice of Intent to Sue, which is not an active lawsuit. \n\nTheir false claim obstructed consumer complaint resolution. \n\n6. Failure to Release Title After Payment XXXX XXXX failed to release the vehicle title, despite full payment and confirmed removal from the repo list. \n\nMinn. Stat. 168A.17 explicitly states that security interests in vehicles must be perfected through the title itself, not UCC filings. \n\nSince XXXX XXXX did not properly record a lien on the title, their repossession of my vehicle was legally invalid. \n\n7. Unjust Credit Reporting XXXX  wrongfully reported my account as a charge-off, despite receiving full payment, violating Fair Credit Reporting Act ( FCRA ) protections. \n\nLegal Violations Committed by Chrysler Capital Minnesota State Law Violations Minn. Stat. 168A.17 Security Interest Perfection Through Title XXXX XXXX did not perfect a lien through the title, meaning they had no legal standing to repossess the vehicle. \n\nTheir failure to comply with Minnesotas title-based security interest laws makes the repossession invalid. \n\nMinn. Stat. 336.9-609 Illegal Repossession Without Notice XXXX XXXX failed to provide proper repossession notice before seizing my vehicle. \n\nMinn. Stat. 325D.44 Deceptive Trade Practices Act XXXX XXXX misrepresented litigation status to obstruct consumer rights resolution. \n\nTheir false denial of payment validity, while retaining funds, is a deceptive trade practice. \n\nMinn. Stat. 336.3-310 ( b ) Discharge of Payment Obligation My properly notarized, state-registered payment legally discharged all obligationsrepossession was unlawful. \n\nFederal Law Violations Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692f ) XXXX XXXX used deceptive means to repossess the vehicle despite full payment and confirmed removal from repo status. \n\nFair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) XXXX XXXX wrongfully reported a charge-off, damaging my credit score despite full payment. \n\nTruth in Lending Act ( TILA, 15 U.S.C. 1637 ( b ) ) XXXX XXXX failed to provide periodic statements and falsely claimed I opted into electronic payments. \n\nDodd-Frank Act Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) False litigation claims and repossession misconduct violate UDAAP consumer protection laws. \n\nFormal Demands To resolve this matter, XXXX XXXX must take the following actions within 15 calendar days of submission : Immediate Release of the Vehicle Title XXXX XXXX must comply with Minn. Stat. 168A.17 and transfer ownership without delay. \n\nReturn of the Illegally Repossessed Vehicle Within Five ( 5 ) Days XXXX XXXX must return my XXXX XXXX XXXX XXXX immediately, or face legal consequences for wrongful repossession and unlawful conversion. \n\nRestitution for Financial Harm XXXX XXXX must refund the full amount tendered, as they wrongfully retained the total sum under fraudulent circumstances. \n\nRequest for Attorney Fees and Compensation for Damages Due to XXXX XXXX  deceptive trade practices, wrongful repossession, and obstruction of complaint resolution, I am seeking full reimbursement for legal fees and punitive damages. \n\nCorrection of Fraudulent Credit Reporting XXXX  must remove the wrongful charge-off designation and provide proof of correction to credit bureaus.","date_sent_to_company":"2025-04-29T02:23:35.000Z","issue":"Repossession","sub_product":"Lease","zip_code":"55112","tags":null,"has_narrative":true,"complaint_id":"13208975","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-04-29T01:44:21.000Z","state":"MN","company_public_response":null,"sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["Formal Demands To resolve this matter, XXXX XXXX <em>must</em> take the following actions within 15 calendar days of submission : Immediate <em>Release</em> of the Vehicle Title XXXX XXXX <em>must</em> comply with Minn. Stat. 168A.17 and transfer ownership without delay. \n\nReturn of the Illegally Repossessed Vehicle Within Five ( 5 ) Days XXXX XXXX <em>must</em> return my XXXX XXXX XXXX XXXX <em>immediately</em>, or face legal consequences for wrongful repossession and unlawful conversion."],"sub_issue":["<em>Lender</em> trying to repossess or disable the vehicle"]},"sort":[13.202312,"13208975"]},{"_index":"complaint-public-v1","_id":"6276995","_score":12.960214,"_source":{"product":"Mortgage","complaint_what_happened":"NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To : NATIONSTAR MORTGAGE LLC dba MR. COOPER GROUP and all Agents., et al Attn : XXXX XXXX XXXX President MR. COOPER XXXX XXXX XXXX XXXX Chief Financial Officer, MR COOPER XXXX XXXX XXXX XXXX XXXX XXXX XXXX MR COOPER Ref. : Satisfaction of deed of trust Notification of challenge to outstanding debt claim : Your organization has made a claim that there is an outstanding debt associated with a deed of trust dated on or about XX/XX/XXXX, however, that deed of trust was satisfied upon deposit with the Federal Reserve agent- TITLE IV, sec . 401. the sixth paragraph of section 18 of the Federal Reserve Act is amended to read as follows : \" Upon the deposit with the Treasurer of the United States ( a ) of any direct obligations of the United States or ( b ) of any notes, drafts, bills of exchange acquired under the provisions of this act, any Federal Reserve bank making such deposit shall be entitled to receive from the Comptroller of the Currency circulating notes. \n\nYou have mistakenly documented that my property was security for the loan, this is contrary to the Federal Reserve act, the XX/XX/XXXX act, presidential proclamation XXXX as well as the official congressional record for XX/XX/XXXX. Under the provisions of that act, which is still valid and enforceable to the present day, the promissory note tendered to the Federal Reserve agent, that was duly notarized, and signed with a blank endorsement, constituting tender of payment via legal tender as prescribed in the aforementioned act. Please take special note of the law concerning promissory notes : when issued against the security of notes bills of exchange acquired under the provisions of this act, the amount thereof shall be equal to not more than XXXX percent of the estimated value of such notes, drafts, bills of exchange so deposited as security. Such notes shall be the obligations of the Federal Reserve bank ... shall be receivable at par in all parts of the United States for the same purposes as are national-bank notes, and shall be redeemable in lawful money of the United States on presentation at the United States Treasury or at the bank of issue The XX/XX/XXXX act, TITLE IV, sec. 401. Amending the sixth paragraph of section 18 of the Federal Reserve Act. \n\nSee, it appears what you were failing to recognize is the law, coupled with the intent of Congress, is where Congress intended as did I, that promissory notes, as well as bills of exchange are the security deposits as noted above, and as such you are obligated to foreclose on that lawful Money ( The last section of the bill provides for the issuance of a new money, and so that no one would misunderstand what the new lawful money was, it was explained : this new money is to be handled. I refer to section 401, which reads : Upon deposit with the Treasurer of the United States of all contract obligations of the United States, or any notes. and so forth. Under the Federal Reserve Act obligations that are deposited as the security and gold for reserve notes are placed in the hands of the Federal Reserve agent. I would like to ask the chairman of the committee if this is a plan to change the holding of the security back of Federal Reserve notes to the Treasury of the United States rather than the Federal Reserve agent. \nXXXX XXXX. This provision is for the issuance of Federal Reserve bank notes ; not for Federal Reserve notes ; and the security back of it is the obligations, notes, drafts, bills of exchange, bank acceptances, outlined in the section ), and since this is law in the United States as of XX/XX/XXXX to the present day, it is received and redeemable at all financial institutions operating as agents of the federal reserve : When required to do so by the Secretary of the Treasury, each Federal Reserve agent shall act as agent of the Treasurer of the United States or of the Comptroller of the Currency, or both, for the performance of any of the functions which the Treasurer or the Comptroller may be called upon to perform in carrying out the provisions of this paragraph The Congressional record of intent for the XX/XX/XXXX act, TITLE IV, sec. 401. Amending the sixth paragraph of section 18 of the Federal Reserve Act.\n\nRelease : What the Lender Does After the Homeowner Pays Off the Mortgage. It is now time for the lender to release the lien. Within 3 weeks after I fully pay my loan off in Ohio State, for example, state law requires the lender to cancel the deed of trust and dismiss the trustee. \n\nAs the homeowner, I was to receive a payoff verification letter from the lender, at which point the mortgage lien was to have been released or satisfied and officially recorded, why was this not done as required by Law? If, per the Federal Reserve act as amended by the emergency economic banking relief act, et al, the Note was the security and or the gold backing the issuance of the federal reserve notes ( Under the new law the money is issued to the banks in return for Government obligations, bills of exchange, drafts, notes, trade acceptances, and banker 's acceptances. The money will be worth XXXX XXXX XXXX XXXX XXXX because it is backed by the credit of the Nation. It will represent a mortgage on all the homes and other property of all the people in the Nation. ), why was my account not properly credited for the original NOTE security deposit as prescribed in law? \n\nAs per the law I will need this alleged outstanding DEBT Validated and Verified, as well as proof that the original Note was not Legal Tender for the same purposes as are national-bank notes and shall be redeemable in lawful money of the United States on presentation at the United States Treasury or at the bank of issue.? \n\nThis is to be received as an official Challenge and notice of intent to sue! This Qualifies as a written request and per law you must address the pertinent issues in law! \n\nIf you rebut this notice, please contradict the attached preponderance of evidence as to what the Law is and the intent of the President and the US Congress via the right to contract clause agreement The NEW DEAL. \n\nI will expect the sale and Auction to be halted immediately and this matter resolved! \n\n\nXXXX. I require the following answers to my reasonable questions and all answers must be answered according to the following requirements. \n\ni ) Your answers must be in accord with TILA. \nii ) Your answers must be truthful under oath under penalty of perjury. \niii ) Your answers must be with a wet-ink signature and title of the representative. \niv ) Your answers must be sent with delivery confirmation. \nv ) Your answers must be in plain, easy to understand language with a definition of all words used in your answers. \nvi ) Your answers will be reviewed by my attorney. I require your answers within fifteen ( XXXX ) days of your reception of this inquiry. \nXXXX ) Send your response to me and CFPB agents with delivery confirmation. \n\nI require answers to these questions because I believe that your bank has committed fraud against me per the information disclosed in the Federal Reserve Bank publication previously referenced. If what is disclosed by the FRBs publication is true, then there can be no question that fraud has been committed by your bank against me using my tradename-estate and identifiers. There is a commercial maxim of law which states, Fraud vitiates all contracts, rendering all moot. When fraud vitiates a contract, the contract no longer exists. Furthermore, any party agreeing to continue within a fraudulent contract after fraud is discovered commits fraud willingly. \nSir, I will not participate in fraud. I now believe that no valid contract exists between my tradename-estate and your bank and your disclosure of answers to my expressed questions under penalty of perjury with your wet-ink signature will settle all controversy which now does exist. Should I not receive your written answers to my questions per the instructions of this Affidavit postmarked within fifteen days of delivery confirmation of Affidavit to your office, I will issue to you an Invoice for your action of estoppel by silence for the fee of {$500000.00} United States Dollars per estoppel by silence and per the instructions of this Affidavit. Said fees shall be payable in full to me within ten days of delivery confirmation of my invoice for fees. I will, additionally, file the following upon public record with our local county clerk of court for public record, as the following will become truth in commerce per your estoppel by silence and absence of a point-by-point rebuttal under oath : XXXX. Your non-response is an estoppel by silence and your bank will owe the stated fee to me on demand by invoice. \n2. Your estoppel by silence is your tacit admission to fraud.\n\n3. Your admission to fraud vitiates all existing alleged contracts, agreements, and the like, under the maxim that fraud vitiates all per United States v. Throckmorton ( 98 U.S. 61, 25 L.Ed. 93 ) ; 4. Affidavit will stand as proof that unspecified fraud has been committed against me using my legal trade name and social security number.\n\n5. All aforesaid actions will require a subsequent investigation and audit of your banking practices and release of our correspondences for the protection of the public.\n\nBe noticed : should your bank attempt to steal my Private Property, foreclose on my home, etc. ( under the commercial term repossession or recovery or foreclosure ), such actions will be considered as hostile theft of property, unlawful commercial actions subject to prosecution, theft of property without cause, denial of due process, deprivation of rights, and criminal activity pursuant to but not limited to : Title 18 U.S.C 1001 & 1002 False statements ; Title 15 U.S.C 1692 ( E ) Fraud and misleading representations ; Title 28 U.S.C 1359 Loss of jurisdiction by collusion ; Title 18 U.S.C 241 Conspiracy, and 242 Criminal deprivation of rights ; Title 18 U.S.C 1341 Frauds and swindles ; Title 18 U.S.C 1512 Obstruction of the law ; Title 18 U.S.C 3 Criminal participation ( knowledge ) ; et al. Be noticed : any attempt to steal [ foreclose ] on my property will incur a {>= $1,000,000} Fee per Attempt or Actual Occurrence. Said fee will be payable in full upon demand and is subject to be converted from United States XXXX to United States XXXX XXXX at a face value of {$1.00} United States XXXX XXXX XXXX XXXX XXXX at a weight of XXXX XXXX ounces and at a purity of XXXX $ fine silver, with said conversion self-executing at a time of judicial filing of claim and is non-negotiable and is at your willful consent via this notice. You are hereby duly noticed This is a done in good faith and under a patent right.","date_sent_to_company":"2022-12-04T12:43:40.000Z","issue":"Struggling to pay mortgage","sub_product":"VA mortgage","zip_code":"43725","tags":"Servicemember","has_narrative":true,"complaint_id":"6276995","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2022-12-04T11:59:35.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Release</em> : What the <em>Lender</em> Does After the Homeowner Pays Off the Mortgage. It is now time for the <em>lender</em> to <em>release</em> the lien. Within 3 weeks after I fully pay my loan off in Ohio State, for example, state law requires the <em>lender</em> to cancel the deed of trust and dismiss the trustee."]},"sort":[12.960214,"6276995"]},{"_index":"complaint-public-v1","_id":"1486418","_score":12.374817,"_source":{"product":"Mortgage","complaint_what_happened":"The chain of 'Assignment ' is in question for my mortgage ; To begin, XXXX XXXX XXXX the original lender ; then the loan was immediately sold to XXXX XXXX XXXX XXXX ( there is no record of an assignment of the deed that I have seen ). After XXXX XXXX XXXX XXXX 's demise Bank of America acquired loan servicing. XXXX was the tracking vehicle ( based on the 'Original ' Security Deed ) ; then, on XXXX XXXX, XXXX, Bank of America requested that XXXX XXXX prepare an 'Assignment of Security Deed ' from defunct XXXX XXXX XXXX XXXX XXXX Bank of America ( Bank of America had already been servicing the loan for 2 years, by this time ). Under the guise of XXXX, XXXX \" Assistant Secretaries '' of XXXX signed the document and then the \" assignment '' was sent to the county clerk and recorded on XXXX XXXX, XXXX. \n\nFurthermore, Bank of America sold the servicing rights for my mortgage loan to XXXX XXXX XXXX, effective XXXX XXXX, XXXX. On XXXX XXXX, XXXX an \" Assignment of Security Deed '' was prepared by Bank of America, to be recorded and sent back to XXXX XXXX. XXXX stated in a XXXX XXXX, XXXX letter to me that the loan was still being tracked within XXXX and all assignments would occur there. However, the XXXX ( XXXX ) for HUD stated : \" HUD does not work directly with the XXXX system, however mortgagees are not actively using the XXXX system anymore to sign documents and if there are any corrective actions being sought, the mortgagee must correct the issue outside of XXXX. XXXX has to align the title issue with the county clerk. '' Interestingly, XXXX did not send me a copy of the recorded assignment, based on my XXXX XXXX, XXXX QWR ; they only provided the unrecorded version of the 'Assignment '. Also, all the names on the document Bank of America prepared are stamped and the signatures a virtually illegible ( via XXXX some of the names have been noted as Robo Signers ). Upon further examination, the recorded document ( stamped XXXX XXXX, XXXX ) was changed from being sent to XXXX to being sent to a foreclosure attorney ( who requested this address change ). \n\nWhen viewing XXXX, Bank of America still shows up as the Servicer and there is no history of assignments. while XXXX was being used. The chain of title may be clouded, because there is no record showing that XXXX XXXX assigned, sold, transferred the deed to XXXX XXXX XXXX and Bank of America 's deed transfer to XXXX looks suspicious, because Bank of America was not sure they were going to Service Release my loan, until they confirmed to me on XXXX XXXX, XXXX.","date_sent_to_company":"2015-07-28T19:40:46.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"FHA mortgage","zip_code":"30039","tags":null,"has_narrative":true,"complaint_id":"1486418","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2015-07-24T23:06:06.000Z","state":"GA","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The chain of 'Assignment ' is in question for my mortgage ; To begin, XXXX XXXX XXXX the original <em>lender</em> ; then the loan was <em>immediately</em> sold to XXXX XXXX XXXX XXXX ( there is no record of an assignment of the deed that I have seen ). After XXXX XXXX XXXX XXXX 's demise Bank of America acquired loan servicing."]},"sort":[12.374817,"1486418"]},{"_index":"complaint-public-v1","_id":"5330294","_score":12.2092085,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"It is on this date, XX/XX/XXXX, that I, XXXX, XXXX, XXXX who is a natural living being exercise my right to rescission. Upon reviewing my contract, obligations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant 15 USC 1601 named Truth in Lending.\n\nPer the congressional findings of TILA, It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit During the consummation of this contract, XXXX DID NOT DISCLOSE MY RIGHT TO RESCIND OR PROVIDED ME WITH A NOTICE. \n\nIt is appropriate for me to assume that XXXX XXXX at XXXX intentionally withheld pertinent information to complete the sale. Thus, being the case, pursuant 15 USC 1635 I have the right to rescind my obligation and renege my initial consent to pursue the previous terms. It is clear you are not trustworthy and have predatorily conducted business in commerce. \n\n\n\nThis title subchapter under 15 USC 1662 may be sited as the Truth and Lending Act that specified down payments should not be required or advertised to aid, promote, or assist or be connected directly or indirectly any extension of consumer credit. During the consummation of this contract, XXXX violated this law by advertising to me that I needed to make a down payment and not stating that my social security number was my consumer credit transaction. \n\n\nPer Effective, XX/XX/XXXX I am no longer responsible for any security interest, finance charge, or fees associated with this contract. I conclude this letter with a demand for you to cease and desist any collection of my initial down payment since you failed to mention that This title subchapter under 15 USC 1605 may be sited as the Truth and Lending Act that my finance charge was all I needed to complete the deal and that the CASH PAYMENT was only of benefit to you.\n\nI also noticed that upon pulling my consumer report dated XX/XX/XXXX that your company Bridgecrest has been furnishing my information in various ways. If you havent been made aware, there are various laws in place to protect me as a consumer and to construct this business transaction. As a reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direction, please refer to Title 15 USC 1666b. I would also like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date I have not granted you to furnish anything regarding my consumer report. \nDue to the negligence and unfair misconduct of XXXX and your company Bridgecrest you must cease and desist the repossession of the XXXX XXXX XXXX immediately and any repossession of the car would be a violation under Title 15 USC 1692f ( 6 ) ( A ) and its subchapters which states that you are in violation if you attempt or threat to take any nonjudicial action to effect dispossession or disablement of my property which was an extension of my credit to you. Also I urge you to immediately cease and desist any enforcement of any tow truck company from locating my vehicle Failure to cease and desist the repossession of my vehicle and releasing any addresses, or locations related to me without my consent will be in violation of Title USC 1692b which states that you can not state I as a consumer owe any debt in attempt for them to repossess my vehicle. I also havent granted you consent to release any information regarding any of my consumer reports to any third parties and doing so will be in violation of my rights under Title 15 USC code 1692c and its subchapters. \n\nYour apparent deception and constant neglect to properly carry out your job has violated Fair Crediting Reporting Act and is costing me by ruining my reputation on my consumer report, defamation of my character, has made me lose important deals because of high interest rates that I would incur, intimidation due to fear that my car would be repossessed unfairly which caused me to miss work, mental anguish.\n\nRemedies should include but not limited to : The below accounts should be deleted and marked ON TIME XXXX  Account # XXXX Under Title 15 USC 1640 ( a ) Civil Liabilit, since XXXX  failed to comply to laws and I as the consumer sustained damages : Bridgecrest must turn over the Title, registration of the XXXX XXXX XXXX vehicle, Refund any payment made and {$10.00} should be made payable to me the consumer Remit all payments to : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX PA XXXX Kindly XXXX : XXXX Without prejudice, all natural inalienable rights reserved.","date_sent_to_company":"2022-03-16T04:33:46.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"19143","tags":"Servicemember","has_narrative":true,"complaint_id":"5330294","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2022-03-16T04:20:29.000Z","state":"PA","company_public_response":null,"sub_issue":"Confusing or misleading advertising or marketing"},"highlight":{"complaint_what_happened":["Also I urge you to <em>immediately</em> cease and desist any enforcement of any tow truck company from locating my vehicle Failure to cease and desist the repossession of my vehicle and <em>releasing</em> any addresses, or locations related to me without my consent will be in violation of Title USC 1692b which states that you can not state I as a consumer owe any debt in attempt for them to repossess my vehicle."]},"sort":[12.2092085,"5330294"]},{"_index":"complaint-public-v1","_id":"1753963","_score":12.053561,"_source":{"product":"Mortgage","complaint_what_happened":". On XXXX XXXX XXXX Bank of America is seeking to foreclose on our home even as an open investigation is ongoing by XXXX who states that the release of certain documents ca n't be released to us.To bring a case under Georgia 's RICO law, there must be at least XXXX underlying felonies -- such as fraud, bribery, I 'm sure that the government agencies are acquainted with this acronym as your agency CFPB are often in heated battles concerning the consumer complaints. RICO stands for Racketeer Influenced and Corrupt Organizations. Under the Georgia version of this Act, it is unlawful for any person through a pattern of racketeering activity to acquire or maintain any interest in or control of any type of property or business. \nPredicate crimes that fall under this Act ( and may be used to show a \" pattern '' of unlawful conduct ) include the following : forgery, theft, robbery, bribery, influencing witnesses, intimidation of a juror or perjury, tampering with evidence, various securities violations, certain crimes involving titles, destroying or misrepresenting identification numbers, insurance fraud, and residential mortgage fraud. Though this Act covers so much more the things listed above are of our particular concerns Missing assignments or multiple assignments of the same instrument filed in the public records are a direct result of multi-pledging and the use of the same collateral, the mortgage loan, to pool into securities or pledge for other financing and should be viewed as an overt act of fraud when encountered. There is discovery by our research of pre-dated, backdated and fraudulent assignments of mortgages or endorsements either completely filled in or left blank to be filled in before or after the fact to support the future allegations of a foreclosing party. These fraudulent assignments are typically discovered by examiners in the servicers files or MERS files when MERS acts on the servicers behalf. These documents are created for the sole purpose of assisting in concealing known frauds and abuses by originators, prior servicers and are designed specifically to conceal the true chain of ownership of a borrower 's loan.No escrow instructions or settlement statements should trigger the examiner to immediately attempt to locate the assignment of the mortgage. Multiple or missing assignments coupled with an inability to produce escrow and settlement statements demonstrate a deliberate concealment of the ownership of the borrower 's mortgage debt obligation and the actual lender to whom the borrower is indebted. \nLack of possession of the original note demonstrating the proper chain of title and legal right to foreclose should be noted as evidence of fraud. Coupled with a missing assignment or multiple assignments is further evidence of the existence of fraud. \nIn XXXX XXXX XXXX place a conservator-ship into Fannie Mae therefore the report about XXXX Oversight of XXXX Default-Related Legal Services FEDERAL HOUSING FINANCE AGENCY OFFICE OF INSPECTOR GENERAL Audit is very important to my concerns about my loan. OUT OF THE MOUTH OF XXXX XXXX : SCHEDULE OF LOANS PURCHASED FROM XXXX DOES NOT EXIST ; NO ASSIGNMENTS OF MORTGAGE, NO ALLONGES OR ANY EVIDENCE OF TRANSFERRING OWNERSHIP OF LOANS FROM XXXX TO XXXX and yet these banks recorded in court records on XXXX XXXX XXXX fraudulent assignments etc. Recorded as Grantor XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and Grantee BANK OF AMERICA N.A . \nIn XXXX We XXXX XXXX chapter XXXX","date_sent_to_company":"2016-01-22T15:20:02.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"VA mortgage","zip_code":"302XX","tags":"Servicemember","has_narrative":true,"complaint_id":"1753963","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2016-01-22T15:20:02.000Z","state":"GA","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["On XXXX XXXX XXXX Bank of America is seeking to foreclose on our home even as an open investigation is ongoing by XXXX who states that the <em>release</em> of certain documents ca n't be <em>released</em> to us.To bring a case under Georgia 's RICO law, there <em>must</em> be at least XXXX underlying felonies -- such as fraud, bribery, I 'm sure that the government agencies are acquainted with this acronym as your agency CFPB are often in heated battles concerning the consumer complaints."]},"sort":[12.053561,"1753963"]},{"_index":"complaint-public-v1","_id":"5531627","_score":11.507713,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"In connection with CFPB Complaint Case : XXXX and XXXX My name is XXXX XXXX, a federally protected consumer, and I'm submitting this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for taking adverse action against me , with forethought and malice, by closing my XXXX XXXX account, ending in XXXX, without my permission which is unauthorized use. I am a shareholder of this account and have a security interest in it as well, so this account should not have been closed without my consent of which I never gave. I am aware that a credit card in accordance with 15 USC 1602 ( l ) of the Truth in Lending Act means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ; making my social security card a credit card. I also am aware that a finance charge was included in this open-end consumer credit plan that was initiated when my social security card, which is a credit card, was run by your company. I understand that in accordance with 15 USC 1605 ( a ) a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. Any charge that includes a finance charge should not include cash and anything that I have received under my social security card is XXXX XXXX XXXX XXXX 's obligation, not mine. XXXX out the remaining balance of this account. In reference to the account ending in XXXX, I never disputed the ownership of this account. This account is listed as a charge off on my consumer report and this is false and misleading. I am aware that the definition of a charge off, pursuant to 7 CFR 1956.54, is \" the writing off of a debt and termination of collection activity without release of personal liability. '' I'm also aware that once a debt is cancelled, it becomes gross income. Pursuant to 26 USC 61 ( a ) ( 11 ), gross income includes income from discharge of indebtness. Was a 1099-C filed on this account? If so, I have never received one. I'm aware that a 1099-C must be mailed to consumers by XX/XX/XXXX of the following calendar year in which the identifiable event occurs. If XXXX XXXX XXXX XXXX mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves that I in fact received and was aware of a 1099-C. Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2.\n\nIf XXXX XXXX XXXX XXXX has filled out a 1099-c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.\n\nI am aware and I am invoking my right as the consumer to demand the money audit trail in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt.\n\nFurthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, IRS, in accordance with XXXX XXXX, and XXXX conversions. \n\nIf any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial rep","date_sent_to_company":"2022-05-03T08:08:16.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"76116","tags":null,"has_narrative":true,"complaint_id":"5531627","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2022-05-03T07:39:59.000Z","state":"TX","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["If any of the above can not be provided, this account <em>must</em> be removed from my consumer report <em>immediately</em> to prevent further harm to me and my financial rep"]},"sort":[11.507713,"5531627"]},{"_index":"complaint-public-v1","_id":"14566155","_score":11.494638,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Consumer Protection & Security Department Subject : DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW This letter serves as my formally and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization.\n\nEffective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties.\n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements.\n\nAttached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A current utility bill or bank statement as proof of address A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within one ( 1 ) business day if the request is submitted online or by phone, and within three ( 3 ) business days if submitted by mail.\n\nPlease provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file.\n\nThis request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions In accordance with these federal protections, I hereby demand the following actions : 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent.\n\n2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.\n\n3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .\n\n4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks I would like to place a security freeze on my credit file effective today.","date_sent_to_company":"2025-07-11T02:34:31.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"77036","tags":null,"has_narrative":true,"complaint_id":"14566155","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-11T02:34:06.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Effective <em>immediately</em>, I demand that you block any access, inquiries, sharing, or <em>release</em> of my credit information to any and all entities. This includes but is not limited to <em>lenders</em>, landlords, employers, insurers, data brokers, or any affiliated parties.\n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[11.494638,"14566155"]},{"_index":"complaint-public-v1","_id":"14544875","_score":11.494638,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Consumer Protection & Security Department Subject : DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW This letter serves as my formally and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization.\n\nEffective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties.\n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements.\n\nAttached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A current utility bill or bank statement as proof of address A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within one ( 1 ) business day if the request is submitted online or by phone, and within three ( 3 ) business days if submitted by mail.\n\nPlease provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file.\n\nThis request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions In accordance with these federal protections, I hereby demand the following actions : 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent.\n\n2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.\n\n3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .\n\n4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks I would like to place a security freeze on my credit file effective today.","date_sent_to_company":"2025-07-09T17:35:10.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"34758","tags":null,"has_narrative":true,"complaint_id":"14544875","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CORELOGIC INC","date_received":"2025-07-09T17:34:44.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Effective <em>immediately</em>, I demand that you block any access, inquiries, sharing, or <em>release</em> of my credit information to any and all entities. This includes but is not limited to <em>lenders</em>, landlords, employers, insurers, data brokers, or any affiliated parties.\n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[11.494638,"14544875"]},{"_index":"complaint-public-v1","_id":"14544395","_score":11.494638,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Consumer Protection & Security Department Subject : DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW This letter serves as my formally and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization.\n\nEffective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties.\n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements.\n\nAttached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A current utility bill or bank statement as proof of address A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within one ( 1 ) business day if the request is submitted online or by phone, and within three ( 3 ) business days if submitted by mail.\n\nPlease provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file.\n\nThis request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions In accordance with these federal protections, I hereby demand the following actions : 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent.\n\n2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.\n\n3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .\n\n4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks I would like to place a security freeze on my credit file effective today.","date_sent_to_company":"2025-07-09T17:24:26.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"34758","tags":null,"has_narrative":true,"complaint_id":"14544395","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-09T17:23:57.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Effective <em>immediately</em>, I demand that you block any access, inquiries, sharing, or <em>release</em> of my credit information to any and all entities. This includes but is not limited to <em>lenders</em>, landlords, employers, insurers, data brokers, or any affiliated parties.\n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[11.494638,"14544395"]},{"_index":"complaint-public-v1","_id":"13062826","_score":11.494638,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Consumer Protection & Security Department_____ Subject : DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW____ This letter serves as my formal and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization.\n\nEffective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties.\n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements.\n\nAttached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A current utility bill or bank statement as proof of address A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within one ( 1 ) business day if the request is submitted online or by phone, and within three ( 3 ) business days if submitted by mail.\n\nShape This request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions _________RESOLUTION_______ In accordance with these federal protections, I hereby demand the following actions : Shape 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent.\n\nPlease provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file.\n\nShape 2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.\n\nShape 3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .\n\nShape 4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks ____I would like to place a security freeze and Block on my credit file effective today.___","date_sent_to_company":"2025-04-18T15:01:20.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"33056","tags":null,"has_narrative":true,"complaint_id":"13062826","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MicroBilt / PRBC (formerly CL Verify)","date_received":"2025-04-18T14:51:54.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Effective <em>immediately</em>, I demand that you block any access, inquiries, sharing, or <em>release</em> of my credit information to any and all entities. This includes but is not limited to <em>lenders</em>, landlords, employers, insurers, data brokers, or any affiliated parties.\n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[11.494638,"13062826"]},{"_index":"complaint-public-v1","_id":"13053964","_score":11.494638,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Consumer Protection & Security Department_____ Subject : DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW____ This letter serves as my formal and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization. \n\nEffective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties. \n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements. \n\nAttached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A current utility bill or bank statement as proof of address A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within one ( 1 ) business day if the request is submitted online or by phone, and within three ( 3 ) business days if submitted by mail.\n\nShape This request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions _________RESOLUTION_______ In accordance with these federal protections, I hereby demand the following actions : Shape 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent. \nPlease provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file. \nShape 2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.\n\nShape 3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .\n\nShape 4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks ____I would like to place a security freeze and Block on my credit file effective today.___","date_sent_to_company":"2025-04-18T15:01:19.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"33056","tags":null,"has_narrative":true,"complaint_id":"13053964","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-18T15:00:54.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Effective <em>immediately</em>, I demand that you block any access, inquiries, sharing, or <em>release</em> of my credit information to any and all entities. This includes but is not limited to <em>lenders</em>, landlords, employers, insurers, data brokers, or any affiliated parties. \n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[11.494638,"13053964"]},{"_index":"complaint-public-v1","_id":"13051729","_score":11.494638,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Consumer Protection & Security Department_____ Subject : DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW____ This letter serves as my formal and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. \n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization. \n\nEffective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties. \n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements. \n\nAttached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A current utility bill or bank statement as proof of address A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within one ( 1 ) business day if the request is submitted online or by phone, and within three ( 3 ) business days if submitted by mail. \n\n\n\nPlease provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file. \n\nShape This request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. \n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions __________RESOLUTION________ In accordance with these federal protections, I hereby demand the following actions : Shape 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent. \n\nShape 2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items. \n\nShape 3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules . \n\nShape 4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks _____I would like to place a security freeze and Block on my credit file effective today.____","date_sent_to_company":"2025-04-17T18:34:25.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"33624","tags":null,"has_narrative":true,"complaint_id":"13051729","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Consumer Telecom & Utilities Exchange, Inc.","date_received":"2025-04-17T18:33:55.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Effective <em>immediately</em>, I demand that you block any access, inquiries, sharing, or <em>release</em> of my credit information to any and all entities. This includes but is not limited to <em>lenders</em>, landlords, employers, insurers, data brokers, or any affiliated parties. \n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[11.494638,"13051729"]},{"_index":"complaint-public-v1","_id":"13033890","_score":11.494638,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Consumer Protection & Security Department_____ Subject : DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW____ This letter serves as my formal and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization.\n\nEffective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties. \n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements. \n\nAttached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A current utility bill or bank statement as proof of address A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within one ( 1 ) business day if the request is submitted online or by phone, and within three ( 3 ) business days if submitted by mail. \n\n\n\nPlease provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file. \n\nShape This request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions __________RESOLUTION________ In accordance with these federal protections, I hereby demand the following actions : Shape 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent.\n\nShape 2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items. \n\nShape 3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .\n\nShape 4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks _____I would like to place a security freeze and Block on my credit file effective today.____","date_sent_to_company":"2025-04-17T18:40:20.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"33624","tags":null,"has_narrative":true,"complaint_id":"13033890","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-04-17T18:34:31.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Effective <em>immediately</em>, I demand that you block any access, inquiries, sharing, or <em>release</em> of my credit information to any and all entities. This includes but is not limited to <em>lenders</em>, landlords, employers, insurers, data brokers, or any affiliated parties. \n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[11.494638,"13033890"]},{"_index":"complaint-public-v1","_id":"13015697","_score":11.494638,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Consumer Protection & Security XXXX Subject : DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW____ This letter serves as my formal and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization. \n\nEffective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties. \n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements. \n\nAttached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A current utility bill or bank statement as proof of address A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within XXXX ( XXXX ) business day if the request is submitted online or by phone, and within XXXX ( XXXX ) business days if submitted by mail. \n\n\n\nPlease provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file. \n\n\n\nThis request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions __________RESOLUTION________ In accordance with these federal protections, I hereby demand the following actions : 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent.\n\n2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.\n\n3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .\n\n4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks _____I would like to place a security freeze and Block on my credit file effective today.____","date_sent_to_company":"2025-04-16T16:55:34.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"33186","tags":null,"has_narrative":true,"complaint_id":"13015697","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Consumer Telecom & Utilities Exchange, Inc.","date_received":"2025-04-16T16:55:03.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Effective <em>immediately</em>, I demand that you block any access, inquiries, sharing, or <em>release</em> of my credit information to any and all entities. This includes but is not limited to <em>lenders</em>, landlords, employers, insurers, data brokers, or any affiliated parties. \n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[11.494638,"13015697"]},{"_index":"complaint-public-v1","_id":"13013697","_score":11.494638,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Consumer Protection & Security Department_____ Subject : DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW____ This letter serves as my formal and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization.\n\nEffective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties. \n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements. \n\nAttached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A current utility bill or bank statement as proof of address A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within one ( 1 ) business day if the request is submitted online or by phone, and within three ( 3 ) business days if submitted by mail.\n\nPlease provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file.\n\nThis request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions __________RESOLUTION________ In accordance with these federal protections, I hereby demand the following actions : 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent. \n\n\n\nXXXX. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA XXXX to permanently remove such items. \n\n\n\nXXXX. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and XXXX rules XXXX \n\n\n\nXXXX. Block Secondary Data XXXX XXXX access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks XXXX would like to place a security freeze and XXXX on my credit file effective today.____","date_sent_to_company":"2025-04-16T16:55:39.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"33186","tags":null,"has_narrative":true,"complaint_id":"13013697","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-16T16:39:03.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Effective <em>immediately</em>, I demand that you block any access, inquiries, sharing, or <em>release</em> of my credit information to any and all entities. This includes but is not limited to <em>lenders</em>, landlords, employers, insurers, data brokers, or any affiliated parties. \n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[11.494638,"13013697"]},{"_index":"complaint-public-v1","_id":"13008202","_score":11.494638,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Consumer Protection & Security Department_____ Subject : DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW____ This letter serves as my formal and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization.\n\nEffective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties.\n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements.\n\nAttached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A current utility bill or bank statement as proof of address A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within one ( 1 ) business day if the request is submitted online or by phone, and within three ( 3 ) business days if submitted by mail.\n\nPlease provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file.\n\nShape This request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions __________RESOLUTION________ In accordance with these federal protections, I hereby demand the following actions : Shape 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent.\n\nShape 2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.\n\nShape 3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .\n\nShape 4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks _____I would like to place a security freeze and Block on my credit file effective today.____","date_sent_to_company":"2025-04-15T16:19:25.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"33415","tags":null,"has_narrative":true,"complaint_id":"13008202","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MicroBilt / PRBC (formerly CL Verify)","date_received":"2025-04-15T16:12:57.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Effective <em>immediately</em>, I demand that you block any access, inquiries, sharing, or <em>release</em> of my credit information to any and all entities. This includes but is not limited to <em>lenders</em>, landlords, employers, insurers, data brokers, or any affiliated parties.\n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[11.494638,"13008202"]},{"_index":"complaint-public-v1","_id":"13008177","_score":11.494638,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Consumer Protection & Security Department_____ Subject : DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW____ This letter serves as my formal and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization. \n\nEffective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties. \n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements. \n\nAttached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A current utility bill or bank statement as proof of address A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within one ( 1 ) business day if the request is submitted online or by phone, and within three ( 3 ) business days if submitted by mail.\n\nPlease provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file.\n\nShape This request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions __________RESOLUTION________ In accordance with these federal protections, I hereby demand the following actions : Shape 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent.\n\nShape 2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.\n\nShape 3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .\n\nShape 4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks _____I would like to place a security freeze and Block on my credit file effective today.____","date_sent_to_company":"2025-04-15T16:48:18.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"339XX","tags":null,"has_narrative":true,"complaint_id":"13008177","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MicroBilt / PRBC (formerly CL Verify)","date_received":"2025-04-15T16:47:49.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Effective <em>immediately</em>, I demand that you block any access, inquiries, sharing, or <em>release</em> of my credit information to any and all entities. This includes but is not limited to <em>lenders</em>, landlords, employers, insurers, data brokers, or any affiliated parties. \n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements."],"issue":["Problem with fraud alerts or <em>security</em> freezes"]},"sort":[11.494638,"13008177"]},{"_index":"complaint-public-v1","_id":"13008058","_score":11.494638,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : Consumer Protection & Security Department_____ Subject : DEMAND FOR IMMEDIATE CREDIT REPORT FREEZE LEGALLY MANDATED UNDER FEDERAL LAW____ This letter serves as my formal and urgent demand for a full and immediate freeze of my credit report with your agency, in accordance with my rights granted under : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115-174, Section 301 ) Under these laws, I have the unrestricted right to place a free credit freeze at any time, preventing any third party from accessing or using my credit file without my explicit authorization.\n\nEffective immediately, I demand that you block any access, inquiries, sharing, or release of my credit information to any and all entities. This includes but is not limited to lenders, landlords, employers, insurers, data brokers, or any affiliated parties.\n\nThis freeze request applies not only to your bureau but to all affiliated, subsidiary, or secondary consumer reporting agencies under your network or data-sharing agreements.\n\nAttached to this letter are the documents required to verify my identity : A copy of my government-issued photo ID A current utility bill or bank statement as proof of address A copy of my Social Security card ( or equivalent document ) As per federal regulation, you are legally obligated to place the freeze within one ( 1 ) business day if the request is submitted online or by phone, and within three ( 3 ) business days if submitted by mail.\n\nPlease provide written confirmation once the credit freeze has been successfully placed. This confirmation must include all relevant details, including the PIN, password, or any authentication method that will be required to temporarily lift or permanently remove the freeze in the future. Retain this information securely, as it is essential for any future modifications to my file.\n\nShape This request is being made under the authority of : The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.\n\nThe Economic Growth, Regulatory Relief, and Consumer Protection Act ( Public Law 115174, Section 301 ) The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The Gramm-Leach-Bliley Act ( GLBA ) for data sharing and opt-out provisions __________RESOLUTION________ In accordance with these federal protections, I hereby demand the following actions : Shape 1. Immediate Credit Freeze Block all access to my credit report and related files. No party shall access, view, evaluate, or retrieve my credit data without my express written consent.\n\nShape 2. Security Block / Identity Theft Block If any fraudulent accounts or activity has been reported under my identity, apply a full security block under FCRA 605B to permanently remove such items.\n\nShape 3. Opt-Out of Data Sharing I opt out of all prescreened credit offers and any use of my data for marketing, resale, data aggregation, analytics, or third-party access under FCRA and GLBA rules .\n\nShape 4. Block Secondary Data Access Restrict access to my information from secondary consumer reporting agencies, data brokers, background check services, tenant screening companies, or any affiliated platforms or networks _____I would like to place a security freeze and Block on my credit file effective today.____","date_sent_to_company":"2025-04-15T19:10:33.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"33144","tags":null,"has_narrative":true,"complaint_id":"13008058","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MicroBilt / PRBC (formerly CL Verify)","date_received":"2025-04-15T19:05:17.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Effective <em>immediately</em>, I demand that you block any access, inquiries, sharing, or <em>release</em> of my credit information to any and all entities. 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