{"took":166,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":19,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3168480","_score":22.810802,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"It's Fraud and should be handled as fraud for the inaccurate 's which are all the hard and soft inquires I haven't applied for any application 's so all of the hard and soft inquires are fraudulently on my XXXX and TransUnion and XXXX Credit Reports by my mentally XXXX adult son who applied for application 's which cause buniesses to do hard and soft inquires all are of his fraudulently applying on application as me my mentally XXXX son mental XXXX hurts his reasoning and judgement he doesn't know due to his mental XXXX that my name and social security number and my XXXX  and TransUnion and XXXX   credit scores are my own and only for my use due to his mental XXXX hurting his reasoning and judgement I don't want to pursue criminal charges or law enforcement presents on the matter of fraud of the fraudulent use of my name and social security number and my XXXX and TransUnion and XXXX credit report and scores","date_sent_to_company":"2019-03-04T16:20:17.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32244","tags":"Older American","has_narrative":true,"complaint_id":"3168480","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-03-04T16:20:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["due to his <em>mental</em> <em>XXXX</em> that my name and social <em>security</em> number and my <em>XXXX</em>  and TransUnion and <em>XXXX</em>   credit scores are my own and <em>only</em> for my use due to his <em>mental</em> <em>XXXX</em> <em>hurting</em> his reasoning and judgement I don't want to pursue criminal charges or law enforcement presents on the matter of fraud of the fraudulent use of my name and social <em>security</em> number and my <em>XXXX</em> and TransUnion and <em>XXXX</em> credit report and scores"]},"sort":[22.810802,"3168480"]},{"_index":"complaint-public-v1","_id":"3168275","_score":22.57149,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"It's fraud the inaccurate 's on my XXXX, XXXX, XXXX Credit reports which are the hard and soft inquires they where done in fraud by my mentally XXXX adult son who XXXX hurts his reasoning and judgement he doesn't know that my name and my social security number is for my use only due to his mental XXXX hurting his reasoning and judgement that why I don't want to pursue criminal charges or law enforcement presents in the fraud matter of my mentally XXXX adult son applying for loans and credit cards in fraud which lead to the inaccurate 's which are the hard and soft inquires","date_sent_to_company":"2019-03-04T06:42:02.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"32244","tags":"Older American","has_narrative":true,"complaint_id":"3168275","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2019-03-04T01:41:58.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["It's fraud the inaccurate 's on my <em>XXXX</em>, <em>XXXX</em>, <em>XXXX</em> Credit reports which are the hard and soft inquires they where done in fraud by my <em>mentally</em> <em>XXXX</em> adult son who <em>XXXX</em> <em>hurts</em> his reasoning and judgement he doesn't know that my name and my social <em>security</em> number is for my use <em>only</em> due to his <em>mental</em> <em>XXXX</em> <em>hurting</em> his reasoning and judgement that why I don't want to pursue criminal charges or law enforcement presents in the fraud matter of my <em>mentally</em> <em>XXXX</em> adult son applying for loans and credit cards"]},"sort":[22.57149,"3168275"]},{"_index":"complaint-public-v1","_id":"2714549","_score":15.44967,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have attempted for over a year to get BB & T Mortgage to correct the reporting error on all three credit reporting agencies. My wife suffered a sudden mental breakdown on XXXX XXXX, XXXX, and created a financial burden on us as we are on Social Security, or fixed income. Now she has XXXX XXXX XXXX and needs to be admitted to a skilled XXXX facility and the negative reporting severely hurts my credit score needed for admittance to the XXXX XXXX. I am desperate for help. At the time of my wife 's mental breakdown my son spoke with our local BB & T who granted an extension for XXXX XXXX, provided I pay an additional {$100.00}, per month for 9 months, which I did. I was courtesy called and reminded me and that I was on schedule. I am obsessed with paying my bills on time. An agent I spoke with months ago agreed and said they would notify the Credit Reporting agencies to remove negative late payments. The only one that deleted their negative was XXXX XXXX XXXX XXXX will not remove theirs based on XXXX XXXX correct information. I have called numerous times and written BB & T several times and was rudely spoke down too. They claim it is up to Credit Reporting agencies to correct and remove negatives. Our local BB & T manager tried to help but she said that the Mortgage Division would not remove even her request. I have a perfect payment payment record with them. I do not deserve the type of harassment that BB & T has leveled on me, especially with the condition my wife is in and us being elderly. The periods are XXXX thru XXXX XXXX. Your help will be appreciated.","date_sent_to_company":"2017-10-29T00:15:24.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"364XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"2714549","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BB&T CORPORATION","date_received":"2017-10-28T22:34:43.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["My wife suffered a sudden <em>mental</em> breakdown on <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>, and created a financial burden on us as we are on Social <em>Security</em>, or fixed income. Now she has <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> and needs to be admitted to a skilled <em>XXXX</em> facility and the negative reporting severely <em>hurts</em> my credit score needed for admittance to the <em>XXXX</em> <em>XXXX</em>. I am desperate for help."]},"sort":[15.44967,"2714549"]},{"_index":"complaint-public-v1","_id":"11794330","_score":13.326031,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"In the months of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I continually disputed inaccurate information on my report the accounts listed in the next section. Experian continued to send me the EXACT same verified informationwithout the proof I desperately requested. I included my latest utility bill, social security card, and drivers license with each dispute. I requested information be blocked and removed from my report and it was continuously reinserted without proof of a proper investigation. The lack of professionalism and care Experian took with handling my disputes has left my credit damaged causing me mental emotional and financially stressed because they failed to do their job and I couldnt get approved for the credit I needed. I recently learned of the CFPB lawsuit against Experian and I hope I can find relief from my efforts of trying desperately to fix the errors and inaccurate information on my reports. I believe the lawsuit directly affected me because Experian improperly inserted information back in my credit report and refused to update information even though I sent proof of my government identification, they didnt properly investigate the information because if they did then it would be obvious that the information is not accurate and should be deleted because it didnt match what I sent in. Experian continued to send me confusing information asking me to verify my identity which causes me to believe they never read my letters because my identification was included in the letters. When I asked how the investigation was conducted they never responded to me they only said verified. I asked them for proof they never sent proof they only said verified I am extremely hurt by the lack of care Experian has taken with my personal information. I am glad they are being held accountable. They violated my rights and did not make sure this information was accurate, complete and belonged to me.","date_sent_to_company":"2025-01-28T02:16:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75075","tags":null,"has_narrative":true,"complaint_id":"11794330","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-28T01:33:37.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["In the months of XX/XX/scrub><em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXX/XX/year>. I continually disputed inaccurate information on my report the accounts listed in the next section. Experian continued to send me the EXACT same verified informationwithout the proof I desperately requested. I included my latest utility bill, social <em>security</em> card, and drivers license with each dispute."]},"sort":[13.326031,"11794330"]},{"_index":"complaint-public-v1","_id":"9163645","_score":13.253214,"_source":{"product":"Debt collection","complaint_what_happened":"On XXXX XXXX XXXX after getting my pay check deposited I went to put some gas in my vehicle & noticed my bank account had \" 0 '' balance. I contacted XXXX XXXXXXXX XXXX & they told me I have been sued for {$9000.00}. I was in shock because I don't owe nobody & I haven't received any Court order citation. They provided me the name, case # & phone number from the Law firm is suing me & it's as follow : O & L Law Group, Ph : XXXX. They are Located at : XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX. Since the {$1200.00} was the only money I got in my account, I haven't been able to buy food or move my car. I called this Law firm Today & provided my case #, so they tell me what is this about & they asked me for my Social security number. I realized that this is an scam & didn't give this information. They told me they won't help me if I don't provide my social security number. I look at this case # in Court record & it doesn't exist. I searched for \" O & L Law Group '' & there are several complaints on this business reviews about them getting into people 's bank account and unlawfully suing them without previous Court order citation.\n\nI am requesting an investigation on this \" O & L Law Group '' unlawful business practice which it is causing mental and financial damages and distress on people. Also, I am requesting they refund my bank account money as soon as possible. I don't have money to eat, put gas on my car. Like me other people have been hurt by this Law firm & if they don't get investigated future damage will be done on others.","date_sent_to_company":"2024-06-05T16:05:48.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"33431","tags":null,"has_narrative":true,"complaint_id":"9163645","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"O&L LAW GROUP, P.L.","date_received":"2024-06-03T14:54:04.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["XXXXXXXX <em>XXXX</em> <em>XXXX</em>. Since the {$1200.00} was the <em>only</em> money I got in my account, I haven't been able to buy food or move my car. I called this Law firm Today & provided my case #, so they tell me what is this about & they asked me for my Social <em>security</em> number. I realized that this is an scam & didn't give this information. They told me they won't help me if I don't provide my social <em>security</em> number. I look at this case # in Court record & it doesn't exist."]},"sort":[13.253214,"9163645"]},{"_index":"complaint-public-v1","_id":"2027041","_score":11.467029,"_source":{"product":"Consumer Loan","complaint_what_happened":"Do n't XXXX this up!! this is XXXX, email XXXXXXXXXXXX, ,back in XXXX XXXX, Consumer loan application number XXXX, XXXX bank, creul racist bank, horrid, lieimg, dishonestly, fraudulent, truth in lending law violaters, PNC BANK not only ( 1 failed to send any correspondence via, email, as promised for days ( my email is XXXXXXXXXXXX, XXXX called n and straightened, it all out .it 's never been her email, just my mother ) anyway, only after calling I got XXXX email talking XXXX about the attempt to borrow,,, the loan was denied ahead of time I suspect heavily even in the telephonic, loan processing, /PNC Bank began taking XXXX-idtheft victims, social security #, over the phone shoulda been. A Redflagg!, .I was told \" maybe u should give our loan dept.a call do n't know what 's going on here blahblahblqh '' '' I presume my previous ( cfpb, ftc, reports ) have prompted yet again retaliation., also in a yet \" Another racist discrimination vs a XXXX for a lousy XXXX {$1600.00}, loan as a XXXX XXXX veteran.the documents attached 'PNC is saying \" credit score exception notice.provides credit and they allege an \" ABILITy '' to obtain financing and the cost of credit for the loan (. E ) SCORE DISCRIMINATED, THEY SAID DESCRAPANCIES ON CALL BEFORE I GOT THE LETTER, .about a week ago I was devestated as I owe XXXX $ n taxes I 'm gon na have to do crim.acTS to get what 's needed I presume.moreover paying a nominal fee per year, or per month, until loan is paid would n't hurt me and these racist never even tendered a $ XXXX loan, nor a XXXX $ .I was heart broken I have love ones in prison, legal fees, a car, and a XXXX n can not make it!! I want away from tjis institution for denying me by females XXXX also racist they denied me a notary onetime, when I needed it bad just as XXXX bank did as well, these banks target us so we target them! they failed - ( to as similar bank ( racism, theives, ) XXXX XXXX Bank gave a in house over draw account limit of XXXX $ ) even though scammy n retaliation hurt those privileges as the Kansas enforcement unit of banks took kikback first XXXX cancelled my privileges for that n to bank with them by stealing all my cash forcing me to close it but they still kept it open XXXX keep sending me emails after I say to stop it XXXX spame, them. \nPnc back has the money n I got ta have it.they have a XXXX loan center n it 's extremly racist vs our communities period! XXXX love coffee n tea, so they make it where theirs only disgusting coffee so we do n't drink .trying, attempting to make us take glasses off during visits that 's medical all that, having XXXX, doors that open up causing their doors, at XXXX XXXX $ XXXX to close up on me n the XXXX on XXXX XXXX XXXX by which I 'll be federally sueing.!! such loan prejudice caused unbelievable mental anguish n fear or life n wants to hurt to eat n robb, for clothing bilut I resisted. I DEMAND ACTION CFPB, OR ... I told them my settlment thanks to a shady corrupt racist federal court n lawyers is draggn, I 'm not gon na make it.told them I had bills n badebts, sold vs me in error by medicare to 3party crook bill buyers and I needed money bad see attached! ruthlessly denied hold pnc bank XXXX XXXX XXXX bank, XXXX accountable! For escheat, n monetary harm v XXXX, the poor, fixed income etc.people n poor neighborhoods","date_sent_to_company":"2016-07-26T13:04:20.000Z","issue":"Taking out the loan or lease","sub_product":"Installment loan","zip_code":"60620","tags":null,"has_narrative":true,"complaint_id":"2027041","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2016-07-24T14:51:54.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["denied ahead of time I suspect heavily even in the telephonic, loan processing, /PNC Bank began taking <em>XXXX</em>-idtheft victims, social <em>security</em> #, over the phone shoulda been."]},"sort":[11.467029,"2027041"]},{"_index":"complaint-public-v1","_id":"6433639","_score":10.991968,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"There is XXXX company named Robinhood Financial Inc. who sold stocks to many companies did fraud with me and without my permission sold my XXXX XXXX XXXX  and losen me {$4300.00} because I buy XXXX stock of XXXX in the amount of {$18.00} and this time when the market was open all stocks were down so I owe some money from Robinhood because I have a good account with them so they gave much money to me only I got some of {$400.00} extra in my account because all stocks prices are down but markets are open and any time stocks can go up and my stocks prize also goes up and I can't owe any money from Robinhood, but that fraud Robinhood said that you owe some of extra {$400.00} from us so immediately gave us our {$400.00} or we can sell your stocks.\n\nBefore this they never did before this I owe an extra {$1200.00} from Robinhood but they never sold my any stocks they only alert me that I can deposit money in my account and bring a positive balance but didn't said that they can be sold my stocks. But this time their mind goes mental in the open market they showed me this message for just {$400.00} and when I have not seen that message the fraud Company sold my XXXX XXXX stocks themselves and losen me my {$4300.00} for only {$450.00}. \n\nThis Robinhood is % XXXX fraud Company because in XXXX XXXX XXXX about XXXX people reported that this is a fully fraud Company last year, Robinhood is fined {$70.00} XXXX over misleading customers and system outages. Robinhood Financial, the online stock-trading app, was fined {$70.00} XXXX by the securities industrys self-regulator on Wednesday for a series of failures that the agency said hurt Robinhoods customers. \n\nAnd the XXXX XXXX XXXX has repeatedly been accused of operational and regulatory lapses by regulators and lawmakers that, critics said, left customers exposed to sometimes ruinous losses. Robinhood has already paid tens of millions of dollars in fines, including {$65.00} XXXX to the Securities and Exchange Commission, for misleading customers about its business. \n\nXXXX XXXX XXXX, a spokeswoman for Robinhood, said in a statement, We are glad to put this matter behind us and look forward to continuing to focus on our customers and democratizing finance for all. \n\nRobinhood, which was founded by XXXX XXXX and XXXX XXXX, has long had a mission of democratizing finance. It grew by attracting investors especially younger ones with its no-fee trading. But the company has faced questions about whether it encouraged overly risky trading with its lack of fees and features such as behavioral nudges and push notifications that critics said created a gambling-like atmosphere. \n\nBecause of this fraud Company last year, a XXXX customer died by XXXX after discovering a negative {$730000.00} balance in his Robinhood account, a figure that was somewhat inflated because of incomplete trades. \n\nIn recent months, prominent investors have also criticized Robinhood and its practices. This week, XXXX XXXX and XXXX XXXX of XXXX XXXX called for stronger regulation of the app on XXXX, with XXXX XXXX calling Robinhood a gambling parlor masquerading as a respectable business. \n\nAt the time, Robinhood halted trades on certain stocks, which enraged customers and prompted nearly XXXX customer lawsuits. \n\nRobinhood has raised billions of dollars in funding from investors such as XXXX XXXX and XXXX XXXX XXXX. During the meme stock rally, it raised {$1.00} XXXX and then another {$2.00} XXXX in quick succession after it was strained by the high volume of trading through its app. \n\nIn a XXXX congressional hearing about the meme stock rally, in which Robinhood was cast as the villain, XXXX XXXX took an apologetic tone.","date_sent_to_company":"2023-01-14T04:26:12.000Z","issue":"Other service problem","sub_product":"Domestic (US) money transfer","zip_code":"20147","tags":null,"has_narrative":true,"complaint_id":"6433639","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ROBINHOOD MARKETS INC.","date_received":"2023-01-14T03:56:15.000Z","state":"VA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This Robinhood is % <em>XXXX</em> fraud Company because in <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> about <em>XXXX</em> people reported that this is a fully fraud Company last year, Robinhood is fined {$70.00} <em>XXXX</em> over misleading customers and system outages. Robinhood Financial, the online stock-trading app, was fined {$70.00} <em>XXXX</em> by the <em>securities</em> industrys self-regulator on Wednesday for a series of failures that the agency said <em>hurt</em> Robinhoods customers."]},"sort":[10.991968,"6433639"]},{"_index":"complaint-public-v1","_id":"16450657","_score":10.467623,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that experian, transunion, equifax ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, Experian, transunion, equifax failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, Transunion, and Equifax is in violation of several federal laws including responsibility they have to protect my privacy. Im giving experian the opportunity to make this matter right by way of the following REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE PERSONAL INFORMATION, I kindly urge the Consumer Financial Protection Bureau to investigate and facilitate the removal of these unauthorized inquiries, inaccurate personal information, late payments, and bankruptcy from my credit report. This action is crucial to restore the accuracy of my credit information and safeguard my financial standing. Equifax, Transunion, Experiab date breach settlement pending.\n\nThis is a formal written dispute of late payment notations you have reported and/or assessed on my account. I am asserting a billing error under 12 C.F.R. 1026.13 ( Regulation Z Billing Error Resolution ) and a furnisher reporting dispute under the Fair Credit Reporting Act ( FCRA ), including 12 C.F.R. 1022.43 ( Direct Disputes ) and 15 U.S.C. 1681s2 ( b ), 1681i. If you are a debt collector as defined by 15 U.S.C. 1692a ( 6 ), this also serves as a dispute and validation request under the FDCPA, 15 U.S.C. 1692g ( b ). \nXXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is still reporting to my experian against fcra laws while the other bureaus removed it due to inaccurately reporting false information, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX remove inaccurate reporting late payment the inaccuracies are hurting my financial future tremendously.","date_sent_to_company":"2025-10-08T15:02:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33598","tags":null,"has_narrative":true,"complaint_id":"16450657","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-10-08T15:01:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> Account # XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  is still reporting to my experian against fcra laws while the other bureaus removed it due to inaccurately reporting false information, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  Account # XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> remove inaccurate reporting late payment the inaccuracies are <em>hurting</em> my financial future tremendously."]},"sort":[10.467623,"16450657"]},{"_index":"complaint-public-v1","_id":"16450659","_score":10.442408,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that experian, transunion, equifax ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, Experian, transunion, equifax failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, Transunion, and Equifax is in violation of several federal laws including responsibility they have to protect my privacy. Im giving experian the opportunity to make this matter right by way of the following REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE PERSONAL INFORMATION, I kindly urge the Consumer Financial Protection Bureau to investigate and facilitate the removal of these unauthorized inquiries, inaccurate personal information, late payments, and bankruptcy from my credit report. This action is crucial to restore the accuracy of my credit information and safeguard my financial standing. Equifax, Transunion, Experiab date breach settlement pending.\n\nThis is a formal written dispute of late payment notations you have reported and/or assessed on my account. I am asserting a billing error under 12 C.F.R. 1026.13 ( Regulation Z Billing Error Resolution ) and a furnisher reporting dispute under the Fair Credit Reporting Act ( FCRA ), including 12 C.F.R. 1022.43 ( Direct Disputes ) and 15 U.S.C. 1681s2 ( b ), 1681i. If you are a debt collector as defined by 15 U.S.C. 1692a ( 6 ), this also serves as a dispute and validation request under the FDCPA, 15 U.S.C. 1692g ( b ). \nXXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is still reporting to my experian against fcra laws while the other bureaus removed it due to inaccurately reporting false information, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX remove inaccurate reporting late payment the inaccuracies are hurting my financial future tremendously.","date_sent_to_company":"2025-10-08T15:02:19.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33598","tags":null,"has_narrative":true,"complaint_id":"16450659","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-08T15:01:52.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> Account # XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  is still reporting to my experian against fcra laws while the other bureaus removed it due to inaccurately reporting false information, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  Account # XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> remove inaccurate reporting late payment the inaccuracies are <em>hurting</em> my financial future tremendously."]},"sort":[10.442408,"16450659"]},{"_index":"complaint-public-v1","_id":"6242866","_score":10.188243,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"On XX/XX/2022 Chase sent me a notice to pay by XX/XX/2022 to keep my vehicle. On XX/XX/2022 Chase locked my account and removed all my payment method and wouldnt allow me to schedule a payment therefore causing me to default. On XX/XX/2022, Chase used XXXX XXXX XXXX to repossessed my personal vehicle after numerous attempt of them not validating the debt pursuant 15 USC 1692G or stating their interest or claim in the vehicle. Pursuant to 15 USC 6802 Chase did not give me the full disclosure to opt out of my personal information being given out to non affiliates. They not responding to affidavit or billing error notices that addressed clear violations to XXXX in XXXX, found in documentary evidence/contract. They refusing my right to rescind this transaction, pursuant 15 USC 1635 Right of recession and 12 CFR 1026.3 exempt as to certain transaction. Chase did not disclose to me of my right to rescind this transaction. Making me pay to retrieve my personal items once my vehicle was repossessed when pursuant to 15 USC 1692f ( taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ) Claiming I could retrieve the vehicle after I pay the full balance. The very same repossession predatoryact CFPB found guilty of and punished for. \n\nThe purchase of my XXXX XXXX XXXX was financed through Chase Bank. Documentary evidence will show that a financed charge was applied in connection with this consumer credit transaction as described in the XXXX and XXXX XXXX. Pursuant 15USC1605 states that the finance charges \" shall be determined as the sum of all charges ''. Chase Bank was payed in Full at the time of my signature, so there should be NO LATE payments. Chase Bank never notated my account was under dispute pursuant to the FCRA. Chase Bank strategically refused to note my account under dispute. By not doing so they were able to report it delinquent, which then puts them in violation of 15USC1666a Regulation of credit reports ( a ) ( b ) ( c ) for not doing so. This is yet another extortionate attempt at collection on their financed lines of credit. \n\nChase Bank sent me a letter stating my monthly payments was changed after my account was booked and that they would not provide me their tax identification number. I ask Chase to produce me with the contract stating the changes and show me where I signed and agreed because I know if they change my payments something else was change that wasnt disclosed to me. The contract I hold has an XXXX XXXX, finance charge {$3400.00}, amount finance {$16000.00}, total payments {$20000.00}, monthly payments of XXXX with the terms of 72 months. The payment was changed to XXXX l They refused to show me the new contract indicating what changed and why. Thats material concealment that I should be allowed to verify. I asked Chase to show me the original promissory note so I can verify if they are the holder in due course to do any execution. Pursuant to South Carolina law 36-3-302 ( c ) Chase is not the holder in due course as they have no legal rights as holder and in due course in the instrument ( promissory note ) as it was a creditors sell. \n\nThe contract that is in question states what a default means if I fail to pay whats due, break any agreement except that if I bought the vehicle primarily for personal, family, and household use we will only treat those as default if they significantly impaired the prospect of payment, performance or realization of the collateral. I contacted Chase in XXXX of XXXX and made them aware of my lost of employment and struggle to pay and that I primarily use the vehicle to transport my children to school and doctors appointments. I have been sick and XXXX  and the emotional distress of dealing with Chase has damage my mental which lead me back not a mental breakdown and XXXX. Ive been extremely hurt with this situation.","date_sent_to_company":"2022-11-26T21:22:48.000Z","issue":"Vehicle was repossessed or sold the vehicle","sub_product":"Title loan","zip_code":"291XX","tags":null,"has_narrative":true,"complaint_id":"6242866","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2022-11-26T20:02:13.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I contacted Chase in <em>XXXX</em> of <em>XXXX</em> and made them aware of my lost of employment and struggle to pay and that I primarily use the vehicle to transport my children to school and doctors appointments. I have been sick and <em>XXXX</em>  and the emotional distress of dealing with Chase has damage my <em>mental</em> which lead me back not a <em>mental</em> breakdown and <em>XXXX</em>. Ive been extremely <em>hurt</em> with this situation."]},"sort":[10.188243,"6242866"]},{"_index":"complaint-public-v1","_id":"5563173","_score":9.473649,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I, XXXX XXXX am the injured party from fraud. This has to do with Coinbase and the Coinbase XXXX XXXX. For context, i have NEVER used this Coinbase card before. I got it in just case I ever decided to use, I NEVER lost or misplaced the card in which was secured within my household. On XX/XX/XXXX, XXXX AM - XXXX AM Central XXXX time, while I was asleep there were nearly XXXX attempts to use my Coinbase Card. \n\nXXXX of these XXXX attempts were successful. {$2500.00} USD was issued to this organization from my debit card. To enable the payment collateral my various crypto assets within Coinbase were converted to XXXX ( XXXX ) and forced a trigger sale of my crypto assets during a market crash in which I suffered significant losses against my intentions. payments were successfully transferred to foreign organization within ( the country ) Georgia, company named XXXX XXXX XXXX. I have evidence of everything, from pictures to logs. \n\nI was down around XXXX percent in total as well, so In reality, the assets that I bought totaled over {$5000.00} USD. I did not AUTHORIZE ANY OF THESE transactions. \nUpon the breach when I woke up in the morning I immediately contacted Coinbase and froze the debit card, and attempted to stop payment on the transactions but was told payment went out and can not be retrieved and is irreversible. \n\nCoinbase has been of little to no help, each time I get into an online chat, or talk with them on the phone I get directed to someone else who offers no resolution. One told me nothing we can do go contact the police, another said we may take up to 90 days in which you at best would be reimbursed just XXXX dollars. These funds are unrecoverable. This makes no sense as it was a COINBASE ISSUED DEBIT CARD that was breached, not due to my negligence as I was completely asleep when these countless attempts occurred. Once again, I have pictures and logs to prove this all. \n\nI am very hurt by this, I am only a XXXX XXXX XXXX college student, and I was Investing to hopefully develop enough funds to use as a house down payment in the far future. Now thats all been wiped away from me, for no reason and its broken my mental state and spirits. \n\nAny reputable organization or bank would immediately take action and promise restitution and should have some type of liability insurance or protection. In my case my losses were XXXX fold. The XXXX payouts and the huge capital loss in forced asset conversion to cover the transaction. Coinbase has time stamps and logs and my various crypto assets that were forced to convert those coin shares must be reinstated. \n\nThere are XXXX entities involved and a weak link occurred within at least XXXX. The core Coinbase company, the servicing XXXX and the XXXX payment processing center who all work together. \n\nI have set it XXXX factor authentication to access my Coinbase Account and my XXXX XXXX has a XXXX digit PIN number, my full name, expiration date including month and year and a XXXX digit XXXX XXXX. For someone to be able to use my debit card with an electronic transaction they would need to have details of this card. \n\nOther people online have complained about unauthorized purchases in their Coinbase issued debit cards as well. \n\nI strongly suspect an internal breach of security occurred somewhere within the organization by a hack or theft and sold within the XXXX market. \n\nI want what is just and fair. Coinbase is at least a XXXX XXXX dollar company that charges high transaction fees which promises the best security. \n\nPlease assist me I have full documentation and so does Coinbase, it is an obvious case of fraud and due to no fault of mine.","date_sent_to_company":"2022-05-14T22:06:11.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"531XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5563173","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Coinbase, Inc.","date_received":"2022-05-14T21:52:13.000Z","state":"WI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am very <em>hurt</em> by this, I am <em>only</em> a <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> college student, and I was Investing to hopefully develop enough funds to use as a house down payment in the far future. Now thats all been wiped away from me, for no reason and its broken my <em>mental</em> state and spirits. \n\nAny reputable organization or bank would immediately take action and promise restitution and should have some type of liability insurance or protection. In my case my losses were <em>XXXX</em> fold."]},"sort":[9.473649,"5563173"]},{"_index":"complaint-public-v1","_id":"5398971","_score":7.7674675,"_source":{"product":"Debt collection","complaint_what_happened":"On or about in the month of XXXX or XXXX last year in XXXX the XXXX  XXXX XXXX, XXXX XXXX contacted me through a law firm in Louisiana. The law firms name being Couch Lambert LLC. For which they received a Debt Validation and a Cease and Desist notice. They then sent me a package of statements, which was not what I requested from their office. I requested a valid \" wet ink signature '' on any contract from Couch Lambert LLC and XXXX XXXX XXXXXXXX, XXXX XXXX also known as ( XXXX ) as shown in their letters. On XX/XX/XXXX of XXXX the Credit Reporting Agencies removed the account from my credit report after my dispute finished. I received a summons for court on XX/XX/XXXX for the first notice. They rescheduled the summons to XX/XX/XXXX and then another reschedule on XX/XX/XXXX. Later, a motion for continuance was granted for a date not earlier than 90 days from the last date for which we were to appear in court on XX/XX/XXXX. Then we finally ended in court on XX/XX/XXXX for which a motion to dismiss for which the motion was denied. There have been several violations against my consumer rights. They are attempting to collect a debt through an attorney law firm which is a third party. I, the affiant, and consumer, a natural person do not have a contract with Couch Lambert LLC and I demand of them the burden of proof. They must show me a contract that I signed with them in order for them to even attempt to collect this debt. While in court the attorney XXXX XXXX XXXX tried to coerce me into being a surety for something they do not have a contract for since their court operates off of contract law. This is a violation pursuant to 15 United States Code subsection 1692e ( 3 ) for an attorney can not be an attorney and a debt collector at the same time. They are trying to place themselves in a position to potentially garnishment my wages and income. This is a violation of 15 United States Code subsection 16923 ( 4 ). It is also to my attention as I, the affiant, am aware that a consumer can not commit a crime pursuant to Title 15 of the United States Codes subsection 1692e ( 7 ). Notice it is a fact affiant is aware and has proof in Exhibit \" B '' for which the accounts has been removed from the credit reporting agencies XXXX, and XXXX. It is only reporting on XXXX for which I have contacted them several times to remove the negative as the debt has not been validated. The debt validation was done pursuant to Title 15 of the United States Codes 1692g stating the amount of alleged debt, and name of alleged creditor. The miranda was in their letter as follows \" unless the debt within thirty days after the receipt of the notice, dispute the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. '' However, there's a problem with this because the debt collector is a law firm agency and that agency only holds attorney 's which in itself is a violation pursuant to Title 15 of the United States Codes subsection 1692e ( 3 ) again. Next, the other Miranda was in their letter as follows \" if you notify the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed the debt collector will obtain verification of the debt or a copy of a judgment against the consumer by the debt collector. '' This is still a violation pursuant to Title 15 of the United States Codes subsection 1692e ( 3 ) as Couch Lambert LLC is a law firm holding nothing but attorneys. Notice, it is a fact, affiant is aware pursuant to Title 15 of the United States Codes subsection 1692i ( a ) ( 2 ) when debt is not secured by real property, COUCH LAMBERT LLC can only sue if the contract authorizes the ability for the debt collector to sue the affiant, I, the affiant, did not sign any such contract to authorize a lawsuit against me and this legal action is a violation of Title 15 of the United States Codes subsection 1692i ( a ) ( 2 ) .Notice, it is a fact, I, the affiant is aware, as pursuant to Title 15 of the United States Codes subsection 1692i ( b ) COUCH LAMBERT LLC was given no legal authorization nor do I authorize the bringing of any legal action against, I, the consumer, in fact. Now, as it pertains to XXXX holding the negative account XXXX  XXXX XXXX, XXXX XXXX a.k.a ( XXXX ) on my credit report. The negative information was removed from XXXX and XXXX which means they are reporting inaccurate information to damage my credit score. This is causing me mental anguish, its hurting my ability to buy and sell as I, the consumer, see fit. Pursuant to Title 15 of the United States Codes subsection 1681 ( b ) all consumer reporting agencies, must follow reasonable procedures pursuant to 15 USC 1681 ( b ). The reasonable procedures listed in the affidavit herein were not followed and this is a violation within itself. Notice, it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report for XXXX is { XXXX  XXXX XXXX and account number XXXX }. This is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed. Notice, it is a fact, affiant is aware, if there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( e ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. I, the affiant, allege no such verification based on an investigative report exists. Please submit a certified copy of the existence of this report with a statement under penalty of perjury that this report was not altered or manufactured in any way. Without this information this is a violation of 15 U.S.Code 1681a ( e ) and the { XXXX  XXXX XXXX and account number XXXX } must be removed from XXXX on XXXX counts. As they have not validated, nor shown me an investigative report, and they are reporting inaccurate information as XXXX credit reporting agencies being XXXX and XXXX have deleted the negative account and XXXX is still reporting false and inaccurate information on my credit report.","date_sent_to_company":"2022-04-02T18:06:28.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"761XX","tags":null,"has_narrative":true,"complaint_id":"5398971","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Couch Lambert LLC","date_received":"2022-04-02T16:53:42.000Z","state":"TX","company_public_response":null,"sub_issue":"Sued you in a state where you do not live or did not sign for the debt"},"highlight":{"complaint_what_happened":["Now, as it pertains to <em>XXXX</em> holding the negative account <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> a.k.a ( <em>XXXX</em> ) on my credit report. The negative information was removed from <em>XXXX</em> and <em>XXXX</em> which means they are reporting inaccurate information to damage my credit score. This is causing me <em>mental</em> anguish, its <em>hurting</em> my ability to buy and sell as I, the consumer, see fit."]},"sort":[7.7674675,"5398971"]},{"_index":"complaint-public-v1","_id":"15047655","_score":7.592241,"_source":{"product":"Mortgage","complaint_what_happened":"Problem is with 21st Century Mortgage XXXX XXXX XXXX XXXX, TN XXXX XXXX Loan Number : XXXX Home Owners XXXX XXXX XXXX ( I am on Title of home deed but not on loan and yes due to what found out later a predatory lender but telling you I am on the loan as \" authorized to speak about loan etc? \nXXXX XXXX - Loan in her name because if aforementioned bad loan practices and tired of getting taken advantage of and her name is on loan, but I the husband am authorized to speak tot to them about loans and payments. \n\nLaying out below our 1st Mortgage are kind human beings and not and issue and we are ok here. \n\nNOT ANY ISSUES -Mortgage Company OUR FIRST MORTGAGE : XXXX XXXX  kind compassion and understands life 's resets and have worked with us and continue and know we want to keep our home and are helping us. \n\nTHE PREDATORS- 21st Mortgage a Mobile home lender that got our loan somehow awhile back and we never asked to be with them, but stuck with them, wont listen wont work with me on the phone and call me XXXX XXXX when i demand they listen and stop talking over me? I offered solutions and both speak to XXXX and then a super who would not give his name and would not even speak of a plan of action- but XXXX did listen and we have a plan because we have a plan and trying to get out of this setup, and XXXX our 1st mortgage is good and we are good and working on a plan- But this Company 21 Mortgage harass my wife, by phone and say they can call if the they want to- and my wife who is trying to stay alive after coming out of the hospital and almost died and recovering and when i talk tough to talk to me and deal and please stopt dont call my wife who is weak and fragile and stop scaring her. \nthey keep calling her and I asked to stop and he said this many times on our phone call over and over when I tried to mention the plan and listen he did not want any part and kept referend me as XXXX XXXX you know that tough cowboy from days gone by. I never even said i was that and I am any man in XXXX and when you are married you are supossed to protect your wife- and all I am doing here. \nAre we in a XXXX XXXX XXXX and you are XXXX XXXX. This rings in my head! You can not make this up, I am standing firm please sir my wife is weak leave her alone as any husband would do- and lets talk about my plan- but he talks over me and i get firm and he calls me XXXX XXXX XXXX and that phone call with these Lending/Mortgage Predators rings in my head- at same time I nurse and comfort my wife while trying to work and tell her it will ok. only for one of them to call her and demand money and just sad. \n\nThese are the worst kind of people, sneaky Predators and I am showing the rock they live under and wish i did not have to see this ugly human behavior. \n\nBig problem 21st Century Mortgage my weak and fragile wife lives in with me and they want to yank it from her and she has headache she can not sleep cant hardly walk and they call her and demand money? and they wont talk to me and call me XXXX XXXX? \nthe one here is Predatory and wants to Cash in $ $ $ because you can see our home is worth XXXX x that and prey on XXXX XXXX  struggling and resist any plan I give and I have really tried- they told I am XXXX XXXX XXXX You can not make this up, I said thats right I guess I am XXXX XXXX since you termed it, but I am protecting my wife and my home sir. He knows what he is doing by wanting to cash in and i am calling him out and he terms me XXXX XXXX. Well that is a husbands job to protect his wife and this whole thing is ridicouls. \n\nTo the person reading : I am writing to you not only as a XXXX XXXX but as a husband, caregiver, and working professional who is experiencing severe distress due to the actions of a predatory mortgage lender. My wife and I recently went through a total life reset, and during this vulnerable time, weve been targeted by a company that sees our homes value as nothing more than dollar signs. \n\nThis lender has repeatedly harassed my wifecalling whe I have repeatedly asked not too, pressuring her, and attempting to manipulate our situation to force a quick closure on our home. \nOr get these behind payments now by scaring her. \nTheyve shown no compassion, no understanding, and no regard for the emotional and mental toll this has taken on us. When I confronted one of their representatives and asked if they had any training in compassion or ethics, he dismissed me with sarcasm, saying XXXX, XXXX XXXX, and immediately returned to talking about money. \n\nI work in IT, and in my field, we are required to take courses on compassion and communication. We are taught to treat people with dignity. I asked this company representative if they had ever taken such a course, and he brushed it off. What kind of company operates like this? One that preys on the vulnerable. One that sees struggling seniors not as people, but as profit.\n\nThis is more than financial stressits mental anguish. Im writing this letter while at work, trying to hold down a job, care for my wife, make her doctors appointments, and manage our household. And yet, this company continues to harass us, ignoring our attempts to negotiate in good faith. \n\nThis companys behavior is not just unethicalits inhumane. Theyve shown no regard for the fact that my wife is critically ill, recovering from multiple hospital stays, and unable to speak on the phone. Despite this, their representative demanded she be on a 15-minute call, insisting I want her on the phone now, even after I explained her condition. When I tried to reason with him, he mocked me again, saying Is this a XXXX XXXX XXXX? as if standing up for my wife was some kind of theatrical act. \n\nIve worked hard my entire life. I earned my way up the ladder, received a job offer I thought would secure our future, only to be let go after two weeks. I searched for months for another job, but as a XXXX XXXX opportunities were limited. We relied on our savings, which quickly dwindled. I began collecting Social Security, thinking we could make it work. Then my wife became critically ill, and everything changed. \n\nDuring this time, I contacted all our lenders. Every single one showed compassion and agreed to work with usexcept this one. They are a mobile home lender who acquired our loan from the original lender, and from the moment they saw the value of our home, they saw an opportunity to foreclose and profit. They ignored my payment plan proposal, refused to negotiate, and continued to harass my wife. \n\nThis is predatory behavior, plain and simple. They saw our equity and targeted us. They refused to listen, refused to show compassion, and refused to treat us like human beings. I asked them if they had any HR training, any courses in compassion. They brushed it off. They dont care. They want money, and they want it noweven if it means destroying lives. \n\nGiven the sustained harassment, emotional distress, and unethical conduct this company has inflicted on my wife and me, I believe the only fair resolution is for them to * * waive our mortgage entirely * *. This is not a request for generosityit is a demand for justice. * * Financial penalties are the only way companies like this learn * *, and waiving the mortgage is the appropriate restitution for the harm theyve caused. If they are allowed to continue operating without consequence, they will continue to prey on other XXXX XXXX who are barely hanging on. \n\nIm asking you to investigate this company. Look at their books. Look at how they treat people. If theyre doing this to us, theyre doing it to others. The right thing to do is clear : they should pay off our mortgage as restitution for the mental anguish and harassment theyve caused. And if justice is to be served, they should be shut down. \n\nThis is not just about usits about every XXXX XXXX whos being preyed upon by companies like this. Im asking you to take action. Use this letter as a call to armsnot to hurt, but to protect. To stand up for those who cant. To make a difference. \n\nOur homes value is {$330000.00} And this loan value is : {$29000.00} XXXX X the value of this loan and Predatory is way to best describe this situation. \nPlan of action was to pay XXXX payments on XX/XX/XXXX and that is XXXX and then again later on in month as i got a part time job but refused any and said get wife on the phone and the cycle repeats and just shows they want to force us out and sell our home and cash in-instead of work on a plan- and when told him might as well been deaf because just said we need or money or we foreclosing and I said i have a plan listen only to be called XXXX XXXX and he did want to discuss my plan as I had one. \n\nPersons on phone - would not give their names- Person one 1. Hello and no compassion did not listen when I asked do you need new headphones- cold transferred me to number 2.\n\nPerson 2 claimed to be supervisor who refused to listen to my plans and said he can call my wife if he wants and wanted her on the phone 15 mins and I said no please understand she is weak and fragile and then started calling me XXXX XXXX and said what I am in a XXXX XXXX XXXX? I said no sir just a husband protecting his wife from people like you. \nThey would not give me their names but from the web portal says this : If you have any questions, please call your XXXX XXXX XXXX XXXX at XXXX ext XXXX. \n\nYou can see my point- since somehow they obtained our loan because they got this loan years ago as you know loans are transferred to other companies and we got stuck with a Predator LENDER\\lending\\collections- he said are you up on payments on lot rent?, i said no this is nnot a mobile home-You see they are a mobile home lender and somehow got our mortgage- we never signed up for them and the Predators got our loan, Then when told him was a home- he was silent a minute and i can picture and he did too $ $ $ in his head, that they could foreclose and make a sale and make money- rather than show compassion. \nMy XXXX XXXX XXXX grand son can see and grasp no compassion and want to sell our home when we are barely hanging on and spoke to him man to man and called me XXXX XXXX. Yes he said that, and just makes me sad to that a human being can prey on the elderly, and now you see it, I painted picture and i did not want this, 2025 has been hard, but we have pulled up our bootstraps and everyone is working with us but this company, and best thing to do is to shut these predators down and fair, and help other seniors before these XXXX persons reach them, or worse yet already have. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX","date_sent_to_company":"2025-08-01T14:13:37.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"226XX","tags":"Older American","has_narrative":true,"complaint_id":"15047655","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"21ST MORTGAGE CORP.","date_received":"2025-08-01T13:06:15.000Z","state":"VA","company_public_response":null,"sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["This is not just about usits about every <em>XXXX</em> <em>XXXX</em> whos being preyed upon by companies like this. Im asking you to take action. Use this letter as a call to armsnot to <em>hurt</em>, but to protect. To stand up for those who cant. To make a difference. \n\nOur homes value is {$330000.00} And this loan value is : {$29000.00} <em>XXXX</em> X the value of this loan and Predatory is way to best describe this situation."]},"sort":[7.592241,"15047655"]},{"_index":"complaint-public-v1","_id":"7427185","_score":6.2117653,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Okay I'm going to share with you what I told the FBI-iC3 in a cyber fraud/IP fraud complaint. Well let me put it this way, so that you know where this is going. I was invited to attend XXXX  schools (I went to two due to fraud) and was paying for everything out of pocket (food, rent, transportation, books, etc). I took out federal loans to pay for the rest. I do not qualify for bankruptcy to discharge these loans possibly because of due process issues and a stubborn inability of one lawyer to believe that fraud and XXXX  could ever be so egregious right there at a XXXX  school. Some of us are XXXX  on purpose and in my case I was told that I was sick by school administrators. This is also part of my family dynamic. XXXX  is sick, therefore anything you want that is hers you can take. I was also about XXXX  pounds during XXXX  school because it felt much nicer to be in control of my feeling of nausea. As you might know, one can make a lot of money by XXXX  a person (better yet, a XXXX  person or XXXX XXXX XXXX) so much that the appearance is that they can no longer take care of themselves. I was forced to quit XXXX  school twice on account of this principle: XXXX XXXX  is just too ssick to handle our coursework. I feel that these people are defrauding the government by injuring only those whose families don't let them have voices. Any lawyer will tell you, nothing can feasibly go wrong when the victim cannot be heard or believed due to alleged mental illness. In this way I consider the XXXX XXXX  very important because many of those victims cannot be heard because they are non-living. There's a second benefit to inducing sickness in another: direct profit from controlling their assets, property, welfare, education, rights, and social media posts. All of this I have gone through. Generally family members with wills and trusts are infamous for inducing one family member to believe they are sick enough to tell a doctor that. This is why they are able to control of the finances of someone else living far away as was the case with me. This kind of fraud might have become more or less camouflaged by Covid-19 itself when so many people were frantic and everyone walking around in a surgical mask looked like either a surgeon or a sickly patient. The next part that follows is a copy and pasted account of what I told the iC3 division of the FBI in a similar complaint today. I feel this is necessary as a matter of life or death, to submit as many complaints as needed until one person decides to stand up for me. No one has so far, everyone is so XXXX. Many facts that would be helpful are omitted for brevity reasons if possible. But what I include here should be enough to initiate some kind of investigation. The bulk of what is discussed is about what you see here XXXX a recording I took with my phone to prove that my audio service on XXXX  was part of a conspiracy against me.\n\nIn XXXX  (Spring) I was the only girl in the patent XXXX class at XXXX XXXX XXXX XXXX school. There were only 4 students in the class, but still. This is the kind of class where you learn how to draft XXXX claims. The professor stood in an auditorium style room in XXXX XXXX to teach the class over XXXX. Me and 2 other students took the class over XXXX due to COVID-19 (classes were taught \"hybrid\" style) while 1 student managed to attend on campus every evening.  I was told I did very well. Then unexpectedly one day about 1/3 of the way into the semester the audio was affected. I literally could not hear, but when I spoke in class the professor could hear me. The other students taking the class on XXXX  might have had trouble hearing too but were complacent and just wanted a grade. No one could figure it out despite the intellectual superiority of everybody. For the rest of the semester, at every class that was held (but only for this course), I was unable to make out what the professor was saying. It was probably the classroom settings. I could hear the other students on XXXX  just fine. I complained in class everyday. I could no longer follow the course or the lecture and when it came time to do the final project I threw my hands in the air with tears in my eyes and I told the professor that I thought it was an ethical violation and a selfish thing to do (also an injury to pay for what I haven't received) to fib my way through the course he advised me to do it anyway for a B. I refused. I really like science and there is no reason to exaggerate the truth. I took a video of one of the classes using my phone even though, yes, this violated student handbook policies on taping lectures. When I complained about this to the Dean of Students XXXX XXXX she told me that it was my fault, I would have to pay for the class anyway and would not receive credit, that what I should have done is ask for accommodations for my XXXX XXXX. The most ironic thing was that the hypothetical invention we were using in this course was about XXXX XXXX that is held under the grate of a XXXX XXXX in a wet basin. Now correct me if I am wrong but XXXX means oily water from traffic in this context. I see this as connected to the internet or the XXXX. XXXX XXXX  primary goal for the XXXX XXXX XXXX XXXX was water communications and XXXX  was pregnant at the time.\n\nThis blatant fraud was outrageous and inciting especially since my grandfather was a XXXX XXXX XXXX XXXX XXXX  veteran who invented some special technology for oil rigs that prevented oil spills from happening, which was patented. The other unusual thing about this was that my vicious boyfriend at the time was XXXX XXXX from XXXX XXXX XXXX. He is a proud boy in every sense of the word. He even came to visit me in order to attend the XXXX XXXX XXXX XXXX in XXXX, Oregon (where XXXX XXXX XXXX  is located) in XXXX. He is a patent holder for some kind of phone or internet software, is a contractor now and also founded XXXX. Kind of thematic, don't you think? Later that year he XXXX XXXX XXXX XXXX  while I was in XXXX  taking one class remotely. He did this on purpose and in his closet as if he was worried his TV might hear me shout. A police report was filed. That was in the summer in his loft apartment on XXXX XXXX  next to XXXX XXXX across the street from the XXXX XXXX.\n\nGetting back to the Spring semester right before the XXXX... I had difficulty with professors in every IP class I took especially during that semester. The classes I took were XXXX XXXX XXXX XXXX XXXX. I only received course credit for one. Look, I am a good student and I am from XXXX, Massachusetts the place where a lot of IP comes from and where XXXX XXXX was written. You can believe me when I say that I care more about the arts and sciences than these people do.\n\nWhen I started XXXX  school I had XXXX of my own money, I was paying my own way and no one wanted me to go to XXXX  school. I was the \"identified patient\" in my family. But in preparation of what was to come I took out multiple federal loans and received a scholarship, a scholarship which was taken away when I received no credit for things and my GPA dropped. Eventually, I withdrew and fled to take care of my health and to find out why I was being treated this way with one class remaining, but listen I had no choice. I felt ethically obligated to defend myself even though self-defense is not the occupation of a XXXX. During school and after I withdrew my family and boyfriend used the discrimination I told them about as a quasi-precedent (or rite of passage) kind of like XXXX XXXX XXXX  used XXXX XXXX  to see how much they could get away with. It was no longer merely acceptable to hurt XXXX XXXX and make her sick, it was the rule. My family has now taken everything I own including my car and textbooks away from me. So I started with XXXX and invested that in myself to acquire knowledge then a few years later I have XXXX and no personal property or assets and XXXX in loans with no diploma or way to finish school, I also do not qualify for bankruptcy to discharge these loans, trust me I have tried. I am a victim of fraud, clearly. The worst part is not one lawyer is knowledgable or willing to help me even with money, its \"too complex.\" It isn't really though. If I were to draw this like on a patent I would draw a XXXX. Its a repititous pattern that \"walks\" on its own like magic. It can look curved like a rainbow from one perspective, it can look like a thick bracelet if you hold it in your hand, or you can see right though it like a tunnel. This is the best I can do as someone with no real-world experience to describe the difference between a student being just a total XXXX  with a spending habit and a student being a victim of very serious very real timely fraud. There was something else about this class that relates to poetry that makes me feel certain this is XXXX  but I will skip over that for now for clarity purposes.\n\nWhen I withdrew from school (approx. when XXXX XXXX XXXX  in XXXX XXXX) I had just been told by the dean (XXXX XXXX) that I was too sick to participate in classes and was not be allowed to raise my hand, ask or answer questions in class. This was actually in writing but my school email was deleted when I withdrew. I was also told not to come back when I withdrew. It was so outrageous, what this being a XXXX  school and all, that no one believed me. On top of which I was so flabbergasted that I could hardly speak conclusively. No one cared either. What they saw was someone who had been missing for XXXX  years and reappeared penniless with bruises with nothing to offer the world. I was forced into homelessness when XXXX and my sister conspired to take me out. Just like that my world flopped down like a 2D piece of cardboard I had confused for the real world. Isn't it unusual, to have no clothes or money or textbooks or diploma despite a sizable inheritance? It is as though I don't exist either. I have no 5th or 8th amendment rights as a result of this and so I am a \"criminal\" without any criminal charge, conviction, trial or lawyer. I therefore also lack 4th and 6th and arguably 13th amendment rights. Still, no one knows what to do! In the words of XXXX XXXX XXXX XXXX XXXX XXXX I mean, I think I am being blocked from being a XXXX XXXX XXXX by depriving me of my civil rights and my voice. I am constantly told that I am SICK SICK SICK. Sometimes an envelope will just fall down from the sky into my hands inside with a tiny letter inside that says \"dear XXXX, you are sick, love the United States.\" I am driven to be sick. I felt nauseated in school. And I recovered from a XXXX  year battle with XXXX XXXX XXXX  when I withdrew but then was starved on purpose when I went home and was (unlawfully, I would think) evicted by my boyfriend and family. I managed to remain XXXX  throughout all this. Using my intellect, I managed to locate a miniature XXXX XXXX for survivors of this kind of thing. I am doing better now and have my physical needs met technically but I have been living in hiding from the people who profit off XXXX  (as if I'm a fugitive from the law) for XXXX months and for the last XXXX weeks during this time I have finally been strong enough physically and mentally to figure things out on my own. I did start talking about XXXX  on XXXX  before it was ever in the news with XXXX XXXX It isn't like I'm trying to mimic what I hear or something. My instinct that this is XXXX  is partly connected to the XXXX XXXX  in the XXXX  class in the sense that the only source of the income I still have, which I inherited from XXXX XXXX  (my XXXX, the XXXX XXXX, comes to me in the mail from an oil and natural gas company in XXXX, LA (XXXX XXXX) in the county of XXXX XXXX. The amounts and frequency of these checks that I receive is suspicious but I have no control over it and this company refuses to send me adequate information or tax forms on this account that I allegedly have ownership rights to. But so do other members of my family, so making me sick is certainly in their interest. I know that at one point my mother XXXX XXXX was intercepting these very small but precious checks. I guess what I'm saying is that there just seems to be an oil and natural gas hearing disconnection. Maybe this is part of research conducted at XXXX XXXX XXXX  the #1 XXXX XXXX school in the nation, but if that is the case I would like it to stop because I am no longer a student and the XXXX XXXX still applies. Because of the infrequency of these reported checks Massachusetts is suspicious too and feel that they lack the requisite verification (proof of income) I need to show them in order to receive cash benefits, food stamps and free health insurance. So my food and health coverage will be cut off soon and there's nothing I can do about it. The XXXX just sends a XXXX XXXX counselor to help me work through my perception of things. My family continues to make me sick intentionally and I am permanently injured by what the school did to me. These people working side by side get me to spend more while losing my credibility and control over my health. It feels like a XXXX  spiral, like in couples ice dancing. So I suspect that there is an underlying securities fraud aspect to the intellectual property/cyber security fraud for which I am reporting here that might be justified by my inheritance which led to my XXXX  and ... guess what.. my inability to be heard.","date_sent_to_company":"2023-08-19T15:56:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"012XX","tags":null,"has_narrative":true,"complaint_id":"7427185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-08-19T15:56:09.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["So I suspect that there is an underlying <em>securities</em> fraud aspect to the intellectual property/cyber <em>security</em> fraud for which I am reporting here that might be justified by my inheritance which led to my <em>XXXX</em>  and ... guess what.. my inability to be heard."]},"sort":[6.2117653,"7427185"]},{"_index":"complaint-public-v1","_id":"7427186","_score":6.2112427,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Okay I'm going to share with you what I told the FBI-iC3 in a cyber fraud/IP fraud complaint. Well let me put it this way, so that you know where this is going. I was invited to attend XXXX  schools (I went to two due to fraud) and was paying for everything out of pocket (food, rent, transportation, books, etc). I took out federal loans to pay for the rest. I do not qualify for bankruptcy to discharge these loans possibly because of due process issues and a stubborn inability of one lawyer to believe that fraud and racketeering could ever be so egregious right there at a law school. Some of us are XXXX  on purpose and in my case I was told that I was sick by school administrators. This is also part of my family dynamic. XXXX is sick, therefore anything you want that is hers you can take. I was also about XXXX pounds during XXXX  school because it felt much nicer to be in control of my feeling of nausea. As you might know, one can make a lot of money by disabling a person (better yet, a XXXX  person or someone XXXX XXXX) so much that the appearance is that they can no longer take care of themselves. I was forced to quit XXXX school twice on account of this principle: XXXX XXXX is just too ssick to handle our coursework. I feel that these people are defrauding the government by injuring only those whose families don't let them have voices. Any lawyer will tell you, nothing can feasibly go wrong when the victim cannot be heard or believed due to alleged mental illness. In this way I consider the XXXX  trials very important because many of those victims cannot be heard because they are non-living. There's a second benefit to inducing sickness in another: direct profit from controlling their assets, property, welfare, education, rights, and social media posts. All of this I have gone through. Generally family members with wills and trusts are infamous for inducing one family member to believe they are sick enough to tell a doctor that. This is why they are able to control of the finances of someone else living far away as was the case with me. This kind of fraud might have become more or less camouflaged by Covid-19 itself when so many people were frantic and everyone walking around in a surgical mask looked like either a surgeon or a sickly patient. The next part that follows is a copy and pasted account of what I told the iC3 division of the FBI in a similar complaint today. I feel this is necessary as a matter of life or death, to submit as many complaints as needed until one person decides to stand up for me. No one has so far, everyone is so XXXX. Many facts that would be helpful are omitted for brevity reasons if possible. But what I include here should be enough to initiate some kind of investigation. The bulk of what is discussed is about what you see here XXXX a recording I took with my phone to prove that my audio service on XXXX  was part of a conspiracy against me.\n\nIn XXXX  (Spring) I was the only girl in the XXXX  XXXX  class at XXXX XXXX XXXX XXXX XXXX. There were only 4 students in the class, but still. This is the kind of class where you learn how to draft XXXX  claims. The professor stood in an auditorium style room in XXXX XXXX  to teach the class over XXXX. Me and 2 other students took the class over XXXX  due to COVID-19 (classes were taught \"hybrid\" style) while 1 student managed to attend on campus every evening.  I was told I did very well. Then unexpectedly one day about 1/3 of the way into the semester the audio was affected. I literally could not hear, but when I spoke in class the professor could hear me. The other students taking the class on XXXX  might have had trouble hearing too but were complacent and just wanted a grade. No one could figure it out despite the intellectual superiority of everybody. For the rest of the semester, at every class that was held (but only for this course), I was unable to make out what the professor was saying. It was probably the classroom settings. I could hear the other students on XXXX  just fine. I complained in class everyday. I could no longer follow the course or the lecture and when it came time to do the final project I threw my hands in the air with tears in my eyes and I told the professor that I thought it was an ethical violation and a selfish thing to do (also an injury to pay for what I haven't received) to fib my way through the course he advised me to do it anyway for a B. I refused. I really like science and there is no reason to exaggerate the truth. I took a video of one of the classes using my phone even though, yes, this violated student handbook policies on taping lectures. When I complained about this to the Dean of Students XXXX XXXX  she told me that it was my fault, I would have to pay for the class anyway and would not receive credit, that what I should have done is ask for accommodations for my XXXX XXXX The most ironic thing was that the hypothetical invention we were using in this course was about XXXX XXXX that is held under the grate of a XXXX XXXX  in a wet basin. Now correct me if I am wrong but stormwater means oily water from traffic in this context. I see this as connected to the internet or the XXXX. XXXX XXXX primary goal for the XXXX XXXX XXXX XXXX was water communications and XXXX was pregnant at the time.\n\nThis blatant fraud was outrageous and inciting especially since my grandfather was a XXXX XXXX XXXX XXXX XXXX  veteran who invented some special technology for oil rigs that prevented oil spills from happening, which was patented. The other unusual thing about this was that my vicious boyfriend at the time was XXXX XXXX XXXX XXXX XXXX XXXX He is a proud boy in every sense of the word. He even came to visit me in order to attend the XXXX XXXX XXXX XXXX XXXX XXXX Oregon (where XXXX XXXX XXXX is located) in XXXX. He is a patent holder for some kind of phone or internet software, is a contractor now and also founded XXXX. Kind of thematic, don't you think? Later that year he XXXX XXXX XXXX XXXX while I was in XXXX  taking one class remotely. He did this on purpose and in his closet as if he was worried his TV might hear me shout. A police report was filed. That was in the summer in his loft apartment on XXXX XXXX  next to XXXX XXXX  across the street from the XXXX XXXX.\n\nGetting back to the Spring semester right before the XXXX... I had difficulty with professors in every IP class I took especially during that semester. The classes I took were XXXX, XXXX XXXX XXXX XXXX. I only received course credit for one. Look, I am a good student and I am from XXXX  Massachusetts the place where a lot of IP comes from and where XXXX XXXX was written. You can believe me when I say that I care more about the arts and sciences than these people do.\n\nWhen I started law school I had XXXX of my own money, I was paying my own way and no one wanted me to go to XXXX  school. I was the \"identified patient\" in my family. But in preparation of what was to come I took out multiple federal loans and received a scholarship, a scholarship which was taken away when I received no credit for things and my GPA dropped. Eventually, I withdrew and fled to take care of my health and to find out why I was being treated this way with one class remaining, but listen I had no choice. I felt ethically obligated to defend myself even though self-defense is not the occupation of a XXXX. During school and after I withdrew my family and boyfriend used the discrimination I told them about as a quasi-precedent (or rite of passage) kind of like XXXX XXXX XXXX used XXXX XXXX to see how much they could get away with. It was no longer merely acceptable to hurt XXXX XXXX  and make her sick, it was the rule. My family has now taken everything I own including my car and textbooks away from me. So I started with XXXX  and invested that in myself to acquire knowledge then a few years later I have XXXX and no personal property or assets and XXXX in loans with no diploma or way to finish school, I also do not qualify for bankruptcy to discharge these loans, trust me I have tried. I am a victim of fraud, clearly. The worst part is not one XXXX  is knowledgable or willing to help me even with money, its \"too complex.\" It isn't really though. If I were to draw this like on a patent I would draw a XXXX. Its a repititous pattern that \"walks\" on its own like magic. It can look curved like a rainbow from one perspective, it can look like a thick bracelet if you hold it in your hand, or you can see right though it like a tunnel. This is the best I can do as someone with no real-world experience to describe the difference between a student being just a total XXXX  with a spending habit and a student being a victim of very serious very real timely fraud. There was something else about this class that relates to poetry that makes me feel certain this is XXXX  but I will skip over that for now for clarity purposes.\n\nWhen I withdrew from school (approx. when RXXXX XXXX XXXX in XXXX XXXX) I had just been told by the dean (XXXX XXXX) that I was too sick to participate in classes and was not be allowed to raise my hand, ask or answer questions in class. This was actually in writing but my school email was deleted when I withdrew. I was also told not to come back when I withdrew. It was so outrageous, what this being a XXXX  school and all, that no one believed me. On top of which I was so flabbergasted that I could hardly speak conclusively. No one cared either. What they saw was someone who had been missing for XXXX years and reappeared penniless with bruises with nothing to offer the world. I was forced into homelessness when XXXX  and my sister conspired to take me out. Just like that my world flopped down like a 2D piece of cardboard I had confused for the real world. Isn't it unusual, to have no clothes or money or textbooks or diploma despite a sizable inheritance? It is as though I don't exist either. I have no 5th or 8th amendment rights as a result of this and so I am a \"criminal\" without any criminal charge, conviction, trial or lawyer. I therefore also lack 4th and 6th and arguably 13th amendment rights. Still, no one knows what to do! In the words of XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I mean, I think I am being blocked from being a XXXX XXXX XXXX  by depriving me of my civil rights and my voice. I am constantly told that I am SICK SICK SICK. Sometimes an envelope will just fall down from the sky into my hands inside with a tiny letter inside that says \"dear XXXX, you are sick, love the United States.\" I am driven to be sick. I felt nauseated in school. And I recovered from a XXXX  year battle with XXXX XXXX XXXX  when I withdrew but then was starved on purpose when I went home and was (unlawfully, I would think) evicted by my boyfriend and family. I managed to remain XXXX  throughout all this. Using my intellect, I managed to locate a miniature XXXX XXXX for survivors of this kind of thing. I am doing better now and have my physical needs met technically but I have been living in hiding from the people who profit off XXXX  (as if I'm a fugitive from the law) for XXXX  months and for the last XXXX  weeks during this time I have finally been strong enough physically and mentally to figure things out on my own. I did start talking about XXXX  on XXXX  before it was ever in the news with XXXX XXXX. It isn't like I'm trying to mimic what I hear or something. My instinct that this is XXXX  is partly connected to the XXXX XXXX in the XXXX  class in the sense that the only source of the income I still have, which I inherited from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, comes to me in the mail from an oil and natural gas company in XXXX, LA (XXXX XXXX) in the county of XXXX XXXX. The amounts and frequency of these checks that I receive is suspicious but I have no control over it and this company refuses to send me adequate information or tax forms on this account that I allegedly have ownership rights to. But so do other members of my family, so making me sick is certainly in their interest. I know that at one point my mother XXXX XXXX was intercepting these very small but precious checks. I guess what I'm saying is that there just seems to be an oil and natural gas hearing disconnection. Maybe this is part of research conducted at XXXX XXXX XXXX  the #1 XXXX XXXX  school in the nation, but if that is the case I would like it to stop because I am no longer a student and the XXXX XXXX still applies. Because of the infrequency of these reported checks Massachusetts is suspicious too and feel that they lack the requisite verification (proof of income) I need to show them in order to receive cash benefits, food stamps and free health insurance. So my food and health coverage will be cut off soon and there's nothing I can do about it. The XXXX  just sends a XXXX XXXX counselor to help me work through my perception of things. My family continues to make me sick intentionally and I am permanently injured by what the school did to me. These people working side by side get me to spend more while losing my credibility and control over my health. It feels like a XXXX  spiral, like in couples ice dancing. So I suspect that there is an underlying securities fraud aspect to the intellectual property/cyber security fraud for which I am reporting here that might be justified by my inheritance which led to my XXXX  and ... guess what.. my inability to be heard.","date_sent_to_company":"2023-08-19T15:56:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"012XX","tags":null,"has_narrative":true,"complaint_id":"7427186","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-08-19T15:56:09.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["So I suspect that there is an underlying <em>securities</em> fraud aspect to the intellectual property/cyber <em>security</em> fraud for which I am reporting here that might be justified by my inheritance which led to my <em>XXXX</em>  and ... guess what.. my inability to be heard."]},"sort":[6.2112427,"7427186"]},{"_index":"complaint-public-v1","_id":"4682657","_score":6.1608496,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I have been a PAYPAL Holdings INC member for 9 years and theyve processed over {$1.00} XXXX in payments for me. On XX/XX/XXXX I received an email stating that I can no longer use PayPal. I immediately called PAYPAL on XX/XX/XXXX to find out why I was suspended and they would not give me any specific answers. Just stating restricted items. I spent about six hours on the phone trying to figure out why I was suspended with PayPal giving me no answers and refusing to reinstate my account. They told me the decision is final and I can not appeal. \n\nSince I was pretty sure I did not violate PAYPALs acceptable use policy and I know PAYPALs history of wrongfully suspending people I decided to file a complaint with the XXXX XXXX XXXX. I received specific answers through the XXXX  from PAYPAL stating that there were several risk factors associated with my account. Upon reading the risk factors PAYPAL claimed as to why I was suspended I did not recognize any of the information. I will provide the information below however based on the information I received through the XXXX XXXX XXXX I assumed that someone had potentially created a PayPal account in my name. I called PAYPAL upon receiving the information from the XXXX XXXX XXXX  report and XXXX with PAYPAL created a ticket ID XXXX to have my account reinstated. PAYPAL made claims that I received {$2600.00} in friends and family payments and I knew that was incorrect when I called them they confirmed to me that I receive XXXX dollars USD on my PayPal account. PAYPAL also claimed that I had one or more accounts that were associated with my information and that it had limited access. I explained to PAYPAL that I only have one account this one that I created XXXX years ago. After waiting 10 days I received an email simply stating that my account would remain suspended forever. \n\nAfter spending literally hours on the phone with PAYPAL they would not tell me where they were getting this information from they would not tell me why I was still being suspended if they could not prove this information was correct. I explained to PAYPAL that I did not recognize the information I did not do any of it therefore I did not violate PAYPALs acceptable use policy and explained that my account should not be suspended if I did not violate any policies. PAYPAL even went as far as to tell me that if someone stole my information and created another account and did something that I had no knowledge of it would not matter they would still keep my account suspended and that the decision was final. \n\nThe truth is that PAYPAL has been wrongfully suspending people for years maybe the entire time theyve been in business. Based on what it looks like on my end it appears that PAYPAL made up information to suspend my account because they can not verify that any of the information that they provided is accurate or true or that it even happened. \n\nHere is my response to the XXXX  case I have not heard back from PAYPAL at this time. \n\nThe consumer indicated he/she DID NOT accept the response from the business. ) Hi XXXX  I'm sorry I can not accept this as a resolution for the reasons outlined below. I have been in contact with PayPal via phone and explain the situation. XXXX was very helpful and opened a ticket for me which at this time is still in review. The ticked id # is XXXX. Based on the limited information provided it appears someone created an account with my info sent money around and possibly sold a restricted item. \n\nI see that you have reached out to our customer support team via call from XX/XX/XXXX until XX/XX/2021 where you asked for detailed explanation on account limitation and funds being held however, teammates provided only basic information on limitation due to proprietary reason. Below is the detailed explanation. \n\nThe first thing I noticed is I did not receive an email from PayPal about my account suspension until the XXXX of XXXX. Above it states I was in contact starting XX/XX/XXXX which I wasn't. I immediately called PayPal on the XXXX which records will show from my registered phone number. \n\nA recent review of your PayPal account shows that onXXXX XXXX, XXXX, PayPal placed limitationXXXXXXXX on your account as we found there may be excessive risk involved in doing business with you, following risk factors were identified : - Multiple accounts with limited access - Based on a review of your account, we show that you are associated to one or more PayPal accounts which currently have limited access and we can confirm that the accounts share the following information : financials, phone number, email address and address. \n\nI do not have any other PayPal accounts nor have I created ANY PayPal accounts since this one XXXX  years ago. Prior to that I had a personal PayPal account which I stopped using once I opened this business account. I don't see how it's possible to share the same email for separate PayPal accounts and the financial info is also very concerning. I have not seen any transactions come through my bank out of the ordinary and I confirmed with my bank there have been no breaches. \n\nYour account has received an excessive amount of personal payments sent as Friends/Family. In the past you received XXXX payments from XXXX XXXX XXXX XXXX totaling {$2600.00} USD. These payments pose a higher risk of reversal due to chargebacks or ACH returns and are not eligible for Seller Protection. \n\n\n\nI use my PayPal account to take payments for my business and although I sometimes send money to friends and family I knew this amount was incorrect. I confirmed with the agent XXXX that I had only made a single {$40.00} payment as friends and family not received {$2600.00} as stated above so this information was very alarming. I received {$0.00} USD in friends and family payments which PayPal confirmed. \n\nI explained everything to XXXX on my call on XX/XX/XXXX. I told him I do not have any other accounts nor have I created any accounts since opening this one XXXX  years ago. I told him that I definitely did not send {$2600.00} in friends and family payments and he confirmed I paid only one {$40.00} payment and took in website payments. XXXX took my complaint seriously and created a ticket. He said if you didn't do anything wrong we had no reason to suspend you to which I agreed. \n\nThe fact is that I have absolutely no knowledge of the provided information and I know for a fact I did not create any other accounts or send that amount in friends and family which makes PayPal account reflects. After thinking about it I asked myself why would I need to create an additional PayPal account to transfer money around when I already have a PayPal account and can use many other means to send funds if needed. It would literally make no sense for me to even take the time to create an additional PayPal account. \n\nSo even though you said I can not appeal etc in light of this new and disturbing information I request that you look into this situation immediately so we can get to the bottom of this. Not only do I need to get my account reinstated since I have done nothing wrong but also I need to know that my bank account info etc is safe and not compromised. \n\nI had told PayPal agents are over and over again that I did not violate the acceptance use policy since I knew I didn't. Then when I received this info I knew I was correct and contacted PayPal immediately. They are currently looking into this situation and I am expecting that my account will be reinstated since I did not do anything mentioned in this report or violate the acceptable use policy. \n\nIf there was a restricted item sold it was not on my account it was on the account someone created in my name. So what we have here is a case of identity theft. I think you would agree with me that it would not be fair to suspend me because someone stole my identity and created a PayPal account. If that is what happened. \n\nI am here to work with PayPal and I am willing to provide any necessary documentation or information to get my account reinstated. I am also willing to cooperate with any potential investigation. I know for a fact I did not create any PayPal accounts, receive {$2600.00} in friends and family, or sell any restricted items. Therefore I did not violate the acceptable use policy. \n\nI take payments for gold and silver, send and pay invoices etc with my PayPal account. I very rarely send money as friends and family. Therefore if I have done nothing wrong I should not be suspended. This has already disrupted my business and taken a mental toll on me. I have spent hours and hours on the phone with PayPal because I know for a fact I am completely innocent of ANY wrongdoing. \n\nTherefore I can not accept being suspended from PayPal for the rest of my life. I shouldn't be suspended now and I don't understand why ips, devices, etc etc were not checked before suspending me. I can guarantee there were no accounts created on my ip or any of my devices. I did not create any PayPal accounts on any other devices nor did I instruct anyone to create a PayPal account or accounts with my info. \n\nI am hoping that by the time you receive this my account has been re-evaluated and reinstated. I will also remind you that a full security check was done on my account in XXXX. I had to send in documents and everything checked out fine as it should have been. \n\nI am responding to this case to shed some light on the situation and because I only have 10 days. I have had a great relationship with PayPal and once this situation is fixed I hope to continue having a good business relationship moving forward. Again I have done nothing wrong therefore I should not be suspended. \n\nI have emailed you at the email provided but at this time have not received a response. Please look into this situation if necessary as I said PayPal is reviewing all of this information currently in order to move forward with reinstating my PayPal account. \n\nI look forward to your response and working with PayPal again. If you need any additional information please let me know. \nKind Regards XXXX I believe PAYPAL made all of this information up just to give them a reason to suspend me because I have no knowledge of any of it. They would not tell me where they were getting the {$2600.00} from that I supposedly received and they confirmed that I did not have any other accounts in my name. I know I didnt sell any restricted items because all I do is sell precious metals and I did not sell anything out of the ordinary. There have been a lot of people recently showing up in online forums etc. that have been also wrongfully and from PAYPAL. If people violate PayPals acceptable use policy then I guess it is OK for PAYPAL to suspend them. However if PAYPAL is literally making up things to suspend people like they did with me I think you would agree that this kind of business practice has no place in the financial sector. This has hurt my sales on my website taking hours and hours of my time caused a tremendous amount of stress on me and the truth is I did not violate PAYPALs acceptable use policy. \n\nPAYPAL has a history of wrongfully suspending and banning people for the rest of their lives and I believe this business practice needs to be stopped. PAYPAL is hurting innocent business owners, the economy and humanity in general by wrongfully suspending peoples PayPal accounts. I even told PAYPAL that if they had given me a valid reason as to why I was why I was suspended then I would not have even questioned them for suspending me. I have known about PAYPALs history ever since I created a PayPal account XXXX years ago but I never really looked into it too much. \n\nIt is my opinion that these business practices all of them need to stop immediately you can not ban people when they have done nothing wrong you can not hurt peoples businesses when they have done nothing wrong. \n\nI hope you can help me to make sure that PAYPAL does not continue to get away with these shady business practices and wrongfully suspending people and banning them from PAYPAL. Not only did they block my PayPal account they also blocked my Venmo account and they will also not let me check out through an actual PayPal system on websites. So my debit card is even blocked from being able to be used on the PAYPAL system. This whole situation is completely ridiculous on PAYPALs part and should be illegal. \n\nI hope that I have provided enough information for you to be able to take action if you have any questions please feel free to contact me.","date_sent_to_company":"2021-09-01T22:20:19.000Z","issue":"Other service problem","sub_product":"Virtual currency","zip_code":"28403","tags":null,"has_narrative":true,"complaint_id":"4682657","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2021-09-01T21:20:29.000Z","state":"NC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I will also remind you that a full <em>security</em> check was done on my account in <em>XXXX</em>. I had to send in documents and everything checked out fine as it should have been. \n\nI am responding to this case to shed some light on the situation and because I <em>only</em> have 10 days. I have had a great relationship with PayPal and once this situation is fixed I hope to continue having a good business relationship moving forward. Again I have done nothing wrong therefore I should not be suspended."]},"sort":[6.1608496,"4682657"]},{"_index":"complaint-public-v1","_id":"5501737","_score":5.413685,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX, XXXX. \nXXXX XXXX XXXX XXXX, AL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX. \nPNC XXXX XXXX. XXXX, PA XXXX Re : Notice of Official Complaint Discriminatory Banking Business Practices ( Account # XXXX ) Dear XXXX XXXX, It is with great regret that I am compelled to write you today, however, I felt it necessary to notify you of a systemic issue within your management hierarchy at PNC Bank in which requires your immediate attention. \n\nMy name is XXXX XXXX XXXX, XXXX I am the CEO of two companies XXXX XXXX XXXX, XXXX and Facilitating Outstanding Capabilities Utilizing Small Businesses ( FOCUS, LLC ). Both of my business and all of my personal accounts are held at PNC. I have been a client of yours since XXXX after leaving XXXX XXXXk. Sir, Before I begin, I want to give you some context and background on myself I am a Veteran of the Country and fmr. Captain in the United States XXXX XXXX. As you can imagine, I have served, lead, and been responsible for people of diverse backgrounds and from all walks of life. \n\nAfter 37 years on this earth, I have never experienced a more unprofessional, foul and discriminatory treatment of a person in my entire life. On or about XXXX hours on XXXX XX/XX/XXXX, I arrived at your XXXX PNC Bank XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX. I drove into the drive-through teller and asked the agent for a deposit slip. Like many other engagements with PNC, the agent complied with my request. \n\nI then completed my deposit slip I had signed the back of a XXXX XXXX Issued Cashiers check in the amount of {$39000.00} and wrote on the back For Deposit Only. The check was dated XX/XX/XXXX and I remitted the check back through the tube to the agent for processing. What seemingly was a normal routine. Over the last several years, I have deposited checks from various banks, clients, and vendors without an issue. \n\nOnce I remitted for processing, XXXX XXXX XXXX ( Branch Manager ), over the teller loud speaker, stated, We cant take this check, its over a year old. I replied to her, Maam its a cashiers check and I just left XXXX XXXX, they stated it is still able to be presented to PNC for negotiation, and you may call to verify it, I have the purchase receipt and verification number, would you like it? \n\nShe then replied, I cant take anything from you, I have my own number. \n\nAt that time, she went to the back, left me in the teller drive up window for over 20 minutes, I buzzed the teller window on three occasions. I had the XXXX XXXX Representative on the phone and offered the other agent ( a male unsure of his name ) that I could come in and they could speak with XXXX XXXX. He stated, I will go and tell them, as they went to the back with the check. After another 8 minutes, I buzzed the window, and told the agent, that I would either go to another branch or have the check reissued. \n\nAnother 5 minutes went by, in which XXXX XXXX returned, You are going to need to have this reissued, as I am not able to cash this check. You have a history of having items returned on your account. \n\nShocked I sat in my vehicle as she had publicly aired my business to others in the teller line and in the branch. I did not respond to her, and then she asked, Did you hear me, you will need to get a new check. \n\nI then asked her if she could put the Branch Managers card in the envelope and return my ID and Check, she then stated, I am the Manager. After leaving PNC, I immediately called your corporate relations office and filed an official complaint understanding the gravity of the issue, the branch attempted to call me two times while on the phone with PNC corporate relations. The agent was a female by the name of XXXX she asked, Hello, were you the one who attempted to cash a check a few minutes ago? I stated, My name is XXXX XXXX, who are you? She then identified herself as XXXX and said, If you get the check reissued I can cash it for you. \n\nOn the call, I notified, XXXX that I had spoken to PNC Corporate and that I would be filing an official complaint with PNC, the FDIC, and States Attorney Generals office. Citing Unfair and Discriminatory Business Practices. \n\nXXXX XXXX, I was born and raised in XXXX, Alabama ; while America has made great strides to close division, it is still prevalent today and unfortunately, I believe I fell victim to one of your employees ' biases toward people of XXXX. I believe that most people are good, however, some people exhibit signs of hate and ill will toward people who are different. Before you dismiss this complaint to your General Counsel for disposal I want you to know I have served this country as a XXXX Veteran, and love all Americans, my son is two years old and Is biracial. To be clear the only type of people I see are Good and Bad I in NO way shape or form make claims of discrimination lightly. Nor unfounded what I saw in XXXX XXXX is not normative PNC customer service, it is certainly not what Ive come to expect from your leadership team. \n\nHere is my rationale for this assessment : i. During the incident at no time did XXXX XXXX, your XXXX XXXX, or any XXXX of your employees, request me to come in and speak with them in the branch about the check, the status of my account, or any issues concerning why they would not be able to help me. \n\na. Your Agents assumed I wanted to Cash a check when clearly, I asked for the check to be deposited ( See attachment ). This assumption in conjunction with XXXX XXXX statement, You have a history of having items returned. \n\nThis assessment of my account is factually inaccurate and distorts the actual record regarding my account. Furthermore, to represent erroneous and inaccurate information as Facts in a public manner is not only unprofessional, it is unethical and illegal. \n\nWhat XXXX XXXX is referring to is a one-off check, that was given to me by a vendor who failed to have funds available to me for remittance of payment, this is an isolated occurrence that has just happened ( literally in the last 2 days. ) What she did not know, was that I called PNC to notify them of the instrument not being able to clear the bank, please verify this by going through my accounts call records. Due to my proactiveness, I was able to notify your bank of the issue as an testament of my commitment to PNC I have not even been given official notice Of the Returned item, so to have an employee to state this to people in public is embarrassing. But to have a Branch Manager do this with no regard for my account security, privacy or your Companys policy about client care is unacceptable. \n\nIrrespective of this being an isolated incident or a reoccurring XXXX, It is my business, and its PNCs duty to maintain the integrity of my account while ensuring the security of my information again unwanted persons attempting to access this. This includes Privacy on your website, and within the disclosures given unto me you state numerous times, that my privacy ( paraphrasing ) is Our Duty and your Right.. \n\nSir to be clear Yelling my account status over a teller 's speakerphone Is not professional and does not protect the integrity of my information. I am alleging that XXXX XXXX reckless disregard for my privacy may have compromised the integrity of my accounts with PNC Bank. \n\nUnder Federal law, you are required to Train employees. All employees should understand the bank 's policies and procedures for complying with the privacy rule. Some employees will need to be able to explain the bank 's privacy policies to customers and businesses providing services to the bank. \n\nXXXX XXXX retort and reprehensible behavior did not end there, she stated, before my departure, Did you hear me Based on the connotation and tone in her voice it was similar to a parent scolding a child or her imputing her disdain for me being in her presence. To be clear she made me feel uncomfortable and unsafe, moreover, I suffer from Anxiety and this event has caused emotional distress to my mental and physical wellbeing. \n\nIn writing you I have a few questions, that I want you to answer. Please answer these questions truthfully as I want to know your personal thoughts on them - 1 ) Does PNC make it a business practice to treat clients in a disrespectful and prejudicial manner? \nI ask this as XXXX XXXX is a Branch Manager and is a member of your leadership team. Attitude toward people and clients is a reflection of leadership ; 2 ) Do you condone the disparaging treatment of minorities, veterans, and people of XXXX? \n\nI am curious to better understand your XXXX and Diversity Policy and how XXXX XXXX was able to continue to move up to the rank of Branch ManageXXXX when she obviously can not exhibit any of your companys values as demonstrated in the core value : Prioritizing Customers Our customers inspire us to reach higher. \n\n3 ) Is PNC Bank in the business to accept deposits from consumers who have an established relationship with the bank? \n\nIn my experiences with PNC, I have always been notified when an item needs to have a hold placed on the account until the funds clear. What happened here? Why was there a sudden departure from policy and what had traditionally been the standard that your firm publishes and abides by? \n\nWhile my list of questions could continue, these questions are what is needed for me to decide if PNC bank is the organization in which it purports itself to be or is an organization that employs people who treat certain people with respect and others dismissively either by way of direct or indirect bias. To be clear XXXX XXXX reflects the less than of 1 % of the people that make up PNC her actions today illustrate a deeper set of concerns and issues, that can not be diverted using sensitivity training or coaching. \n\nBased on my experience with her I am not comfortable with maintaining my relationship with PNC Bank after today. Further I was proffer that if XXXX XXXX is the type of employee you provide to your clients, and the leadership that you want to reflect you XXXX XXXX an inquiry to your board of directors should be launched as it is not wise to have people who exhibit behaviors that parallel XXXX XXXX actions on today work for PNC or any public-facing brand. \n\nIn closing, I believe that it is only right to provide you with notice that I am aggrieved and upset. Moreover, I am hurt by the experience today. I believe that everyone makes mistakes and deserves an opportunity to make things right. I am requesting that you make this right. I must notify you of my intent to notify the Federal Deposit Insurance Corporation ( FDIC ) about what I feel Is a privacy violation due to XXXX XXXX actions I will be filing a formal complaint and request that a formal inquiry into this incident along with any other issue ( XXXX ) concerning my relationship and banking information be conducted by Federal Officials. Additionally, I have requested the Alabama Attorney Generals Office ( AGO ) to make a referral to the Alabama State Banking Department with a respconcerningter. \n\nMoreover, I intend to notify the Federal Trade Commission ( FTC ) concerning the discriminatory and unfair business practices exhibited by not only XXXX XXXX, but when XXXX called me and said, Are you the one who tried to cash a check I am unsure what she meant by Are you the one.. what? CEO, Business Owner, Veteran of this Country, XXXX Man or else this comment in conjunction with this experience has cast PNC in a very different light and like the issues that XXXX XXXX has gone through with its XXXX concerns I feel as though this complaint may spark a similar set of circumstances. \n\nI understand that your company will need to run an investigation and fact-check each accusation about this incident. I am amenable to aiding you in whatever information you will need. However, to be clear as long as XXXX XXXX is employed at PNC Bank I nor my business nor any person I care about will have a relationship with PNC ; as I feel as though your leadership is an extension of how you feel and treat people and XXXX XXXX position as Branch Manager, put her in a different classification of both corporate responsibility and pecuniary liability for wrongdoing. If after the investigation ( XXXX ) it is found that XXXX XXXX willful disregard for my privacy violates Federal Law, I shall fully seek appropriate remedy possible. \n\nShort of her termination there is nothing that can be done to send a signal to the public and restore my faith and confidence in you that you will oversee my interests both in public as well as private. \n\nSincerely, XXXX XXXX XXXX, XXXX. \nXXXXn","date_sent_to_company":"2022-04-27T00:50:17.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"362XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5501737","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2022-04-27T00:45:14.000Z","state":"AL","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Further I was proffer that if <em>XXXX</em> <em>XXXX</em> is the type of employee you provide to your clients, and the leadership that you want to reflect you <em>XXXX</em> <em>XXXX</em> an inquiry to your board of directors should be launched as it is not wise to have people who exhibit behaviors that parallel <em>XXXX</em> <em>XXXX</em> actions on today work for PNC or any public-facing brand. \n\nIn closing, I believe that it is <em>only</em> right to provide you with notice that I am aggrieved and upset. Moreover, I am <em>hurt</em> by the experience today."]},"sort":[5.413685,"5501737"]},{"_index":"complaint-public-v1","_id":"6681290","_score":2.9256673,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX CFPB TOP PDF XX/XX/XXXX I, XXXX XXXX. The Consumer submitted a complaint asking all credit agencies to stop violating My privacy by posting alleged debt on their private sites. ( e.g. EARLY WARNING SERVICE LLC.is a private company owned by XXXX XXXX XXXX XXXX, ETC. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.are not Bureau 's and are only agencies of the BUREAU. When I stated the account in question in last complaint I meant \" EVERY SINGLE ACCOUNT '' DEBT PAYMENT HISTORY ETC '' that XXXX XXXX XXXX continues to post I will hold the CFO personally liable as notice to agent is notice to principle. the individual who's privacy is being violated pursuant to the EQUAL CREDIT OPPORTUNITY ACT THE FEDERAL RESERVE ACT, THE PRIVACY ACT, every transaction relies upon the \" FULL FAITH & CREDIT '' of the united states. Im invoking Consumer protection laws for : Delete, Block and Remove Listed XXXX XXXX XXXX Charge off / Closed Account Balance - {$87.00} Balance updated XXXX XXXX, XXXX Credit limit - {$500.00} Account info - Account number - XXXX Open/closed - Closed Date opened - XX/XX/XXXX XXXX XXXX Code XXXX XXXX Definitions and application The Federal Government took away our lawful money ( silver & gold ) in XXXX but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. That the use of a ( federal reserve ) Note is only a promise to pay. That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189. I can't provide exact dates because I have been trying to get this matter settled with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n( XXXX XXXX XXXX XXXX, EARLY WARNING SERVICE LLC AND XXXX XXXX for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. \nI am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of 1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been almost 6+ years and this firm is still continuing to report false information on the report. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) Imay presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages. I am comprehending that the credit reporting agencies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.And XXXX, XXXXMUST delete ALL accounts that I have reported as fraudulent regarding identity theft within FOUR ( 4 ) days of my report, and NONE OF THEM HAVE DONE SO, violating the laws that are placed to protect consumers.15 U.S. Code 1681c2 - Block of information resulting from identity theft. : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to \" report '' my PRIVATE information for the public corporations to see. \nBecause of this fact. I am concerned about the validity and accuracy of of the accounts that are reporting on my credit report. I am requesting a investigation because I feel the items are not being reported legally. I received a copy of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.credit reports containing the following inaccurate and incomplete items : Delete 1- XXXX XXXX XXXX Charge off / Closed Account : - Account number - XXXX. Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1 ) There were fraudulent charges made on this account Additional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609 Delete 2XXXX XXXX XXXXXXXX XXXX Account number XXXX. Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1 ) There were fraudulent charges made on this account Addtional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609I disputed every negative items on my credit report several times, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any organization who uses my name without my consent, and committing fraud.According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Again according to Hjr 192 the US Congress passed the Emergency Banking Act. It was also announced by the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress. \n\nThe two provisions that empower XXXX to consider any business or agency as a financial institution the 1st is if it engages in any activity that is similar to, related to, or a substitute for any activity in which any business described above is authorized to engage. 31 CFR Section 5312 ( a ) ( 2 ) ( Y ). The second authorizes XXXX to designate any other business as a financial institution if that business has cash transactions that have a high degree of usefulness in criminal, tax, or regulatory matters. See 31 CFR Section 5312 ( a ) ( 2 ) ( Z ).\n\nAs is evident from the list above, the regulations and reporting requirements implemented pursuant to the BSA apply broadly to the financial activities of many businesses and not just banks. As such, the financial activities of a very broad cross-section of the economy can come under the scrutiny of the federal government. Every customer at a car dealership, travel agency, casino, insurance company, or bank is at risk of having a SAR be secretly filed about their financial activities. Given the existence of such scrutiny, all financial institutions and their customers should be cognizant of XXXX and XXXX regulations. Compliance with all regulations is critical to protecting oneself and ones business. Moreover, making finance arrangements that lessen risk, such as avoiding the use of unlicensed money transmitters, is another way to avoid unwarranted investigatory attention. \n\n\n\nXXXX XXXX CFPB TOP PDF XXXX CFPB BOTTOM XX/XX/XXXX Charged off accounts that are fraudulent transactions The OFFICE OF COMPTROLLER OF THE CURRENCY ( OCC ) And FEDERAL TRADE COMMISSION Were Contacted And Reports Were Generated For the Following Accounts Associated Which The Stated Banks/ Financial institutions. \nXXXX XXXX XXXX Charge off / Closed Account -Account number - XXXX XXXX XXXX XXXX - Account number XXXX In Addition There are a bunch Inquiries that need to be removed. I DID NOT AUTHORIZE All Inquiries listed on my consumer report to be removed 1XXXX main! \n2. XXXX XXXX  The doctrine of privity contract ( s ) is a common law principle which provides that a contract can not confer rights or impose obligations upon any person who is not a party to the contract. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. Res Judicata : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON XXXX XXXX XXXX XXXX CONTRACT, FOR DETERMINATION 'UNCONSCIONABLE CONTRACT ' AND AGREEMENT FOR COMMERCIAL DISCHARGE, I am in receipt of and conditionally accept for value ( honor ) \" Demand For Payment Of Debt '' It has come to my attention that as applied to the above matter, that there may not have been a true qualified 'meeting of the minds, ' that there may be fraud or misrepresentation on the contract and/or the contract itself may be an unconscionable contract, or other controversies that may exist within this contract/transaction.\n\nAs I want to resolve this matter as soon as possible, I am initiating this private-administrative remedy to determine such matters and I do not agree to make payment ( s ) predicated upon your claim. This Equality of Opportunity is to let the lawful record of 15 USC 1992 ( a ) Abusive practices ( b ) Inadequacy of laws ( c ) Available non-abusive collection methods ( d ) Interstate commerce ( e ) Purposes, required by FEDERAL LAW. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. FDIC Law, Regulations, Related Acts. https : //www.fdic.gov/regulations/laws/rules/8000-1250.html USC 1306 . The FTC 's Bureau of Consumer Protection Act ( s ). This Equality of Opportunity is to let the lawful record of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), reflect that you are required by federal and state law to verify through the physical verification of the original signature of consumers contract any and all accounts you post on any of my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. PROOF OF SIGNATURES AND STATUS AS HOLDER IN DUE COURSE. I demand to see Verifiable Proof of my original Consumer Contract with my Signature on the instrument you have on file of the accounts listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below. See Attached Instrument ( s ) Proof Of Claim Proof Of Delivery Rescind Debt, Discharge Debt In Accordance To HJR 192 Act of 1933. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz. The Business of Banking. The business of banking, as defined by law and custom, consists in the issue of notes intended to circulate as money..And defines a Bankers Note as : A commercial instrument resembling a bank note in every particular except that it is given by a private banker or unincorporated banking institution. A Person is a Financial Institution ; Unincorporated Banking Institution ; and Financial Agency pursuant to 31 U.S.C. 5312 and a U.C.C. - ARTICLE 3 - NEGOTIABLE INSTRUMENTS.. Acceptance Promissory Note under ( U.C.C. 2-304 ) that states, The price can be made payable in money or otherwise. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz Of pure gold or silver as per Articles VIII and X of the Constitution For the United States of America. or lender promissory notes requiring legal money that is not true money such as : bank checks, cash, check, money orders, attorney checks, bank transfers, wire transfers, FEDERAL RESERVE PROMISSORY NOTE DOLLARS, cashier checks, and certified checks from a bank, attorney, or escrow company are illegal pursuant to Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258 ( ). Contracts requiring legal money such as cash, check, money orders, bank transfers, wire transfers, and Federal Reserve Notes ( DOLLARS ) are illegal and unlawful by Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258. All debts today are discharged by promises to pay in the future. All Federal Reserve Notes, DOLLARS, are registered securities and promise to pay in the future. FRNs are secured by the utility of alive men 's energy or labor. When quoting U.C.C. statutes, the courts require them to be quoted with State or Federal statute designation. U.C.C. codes are United Nations statutes, but are codified in every local jurisdiction. \nIn accordance with XXXX XXXX. XXXX and XXXX XXXX XXXX, such Note instruments are national bank currency and thereby coin or currency of the United States by statutory definition and can be issued by who are banking members of the XXXX and are THE EQUIVALENT OF MONEY as per XXXX XXXX XXXX ( L ) and must be accepted by all banks and financial institutions as payoff, set off, discharge, and full settlement of all debts and loans. Failure to remove this debt will result in legal action HJR XXXX ACT OF XXXX PUBLIC LAW XXXX XXXX U.S.C. XXXX - XXXX XXXX - XXXX XXXX XXXX. XXXX and XXXX XXXX. Payment of obligations and interest on the public debt.. Payment of obligations and interest on the public debt ( a ) The faith of the United States Government XXXX pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The XXXX of the Treasury shall pay interest due or accrued on the public debt. As the XXXX considers expedient, the XXXX XXXX pay in advance interest on the public debt by a period of not more than XXXX year, with or without a rebate of interest on the coupons. ( c ) ( XXXX ) The XXXX XXXX issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The XXXX XXXX dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section XXXX ( b ) ( d ) of this title. \n( XXXX ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that XXXX be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of XXXX XXXX value on the date of issue of the bonds, notes, or certificates as published by the Secretary under SECTION XXXX OF THIS TITLE. ( XXXX ) The XXXX XXXX designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency XXXX be deposited. CITE AS : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX requirements- XXXX ). ( F ) In order to prevent evasions of the reserve requirements imposed by this subsection, after consultation with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the Comptroller of the Currency, and the XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX Federal Reserve XXXX is authorized to determine, by regulation or order, that an account or deposit is a transaction account if such account or deposit XXXX be used to provide funds directly or indirectly for the purpose of making payments or transfers to third person. ( XXXX XXXX XXXX XXXX ) This erroneous entrys is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. Please respond accordingly, A PERSON is a Financial Institution ; Unincorporated Banking Institution ; and Financial Agency pursuant to 31 U.S.C. 5312 and a Acceptance Promissory Note under ( U.C.C. 2-304 ) tha FTC ATTACHED.\n\nThe Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking... The Federal Trade Commission 's Credit Practices Rule states that it is... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission 's Credit Practices Rule states that it is... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ... According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Also according to Hjr 192 IN 1933! the US Congress passed the Emergency Banking Act. It was also announced to the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. \nThis made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress. \nIn XXXX Tendered payments WERE ISSUED TO XXXX XXXX XXXX with proof of service and signatures required signed by all creditors. The law states that if the payment is not accepted then XXXX XXXX has five days to return that payment to me with lawful reason for denying it. XXXX XXXX XXXX has failed to do so. In fact it has been [ 96 ] days and the Tender of Payment has yet to be mentioned by XXXX XXXX XXXX XXXX. If the payment is not returned then it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. \nIt is left to be implied due to the amount of time given to XXXX XXXX XXXX XXXX. which is well passed the five day time to respond. Attached are the FDCPA laws. ALSO, The new law states \" Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, 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 of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. Therefore all are hereby notified that i XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. i have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. Rather it has been over [ 96 ] days and nothing has posted as paid tendered or discharged and this disables me by way of doing business employment and living free. \nXXXX XXXX XXXX XXXX. has notified the Credit Reporting Agency. that i am late to a debt that was paid in full as of i have the CFPB COMPLAINT ID NUMBERS attached which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. If XXXX XXXX XXXX XXXX, has decided to deny the payment then the debt obligation is DISCHARGED! So again! I am writing you about inaccuracies that are being inequitably furnished by XXXX on my Consumer Report. These inaccuracies damaged my right to extend credit. I am being discriminated against by a long list of apartment complexes solely due to harmful information on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and am informing you that I NEVER gave consent to this report being furnished by you on my behalf. I am aware of the fact that your organization ASSUMED a vital role. Because of this, my livelihood has been adversely affected. There is no law that states anything needs to be reported to a consumer reporting agency. Therefore, XXXX is liable under 15 USC 1681n. 15 USC 1681 ( a ) ( 4 ), clearly states that consumer reporting agencies MUST exercise their grave responsibilities with fairness, impartiality, and RESPECT for THE CONSUMERS RIGHT TO PRIVACY. Your organization neither exercised its responsibilities with fairness and impartiality NOR protected MY right to PRIVACY. Please show me the law where it states a credit reporting agency may report non public personal information on a consumer without consent. I called and spoke to your representatives several times to remedy this. Ive lost countless hours since XXXX to this. Ive lost sleep, nutrition, a portion of my moving money, and am STILL suffering from mental anguish and anxiety every day as a result of this. Ive been XXXX assaulted by an XXXX driver. Something that wouldve never happened if it werent for you people. \nAvailable homes I am qualified for are being rented by others as my reputation continues to be affected by these inaccuracies and without my consent. I have a deadline to move by XX/XX/XXXX and My safe livelihood is at stake and I am at risk of homelessness because of YOU not PROTECTING MY RIGHT TO PRIVACY and furnishing non-public personal information WITHOUT MY CONSENT. You should be ashamed for operating in a way that puts consumers lives at risk, blatantly committing fraud, and aggressively violating consumer rights to privacy. I am requesting proof that XXXX investigated any negative items you furnished to my consumer report. This grave step affects my reputation. Pursuant to 15 USC 1681a ( e ) an investigative consumer report would mean you conducted interviews with family and friends. You must not rely on information from a creditor. In the FCRA, 15 USC 1681a ( e ) clearly states that an investigative consumer report is ; obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include factual information on a consumers credit record OBTAINED DIRECTLY FROM A CREDITOR of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Further, pursuant to 15USC 6802 ( b ) I was supposed to be given a disclosure to opt out of my non public personal information being reported by a non affiliated third party. I was not given this disclosure. Further, pursuant to 15 USC 1681b credit reporting is voluntary.\n\nI did NOT consent neither did I provide written notice to you to report account status. Pursuant to 15 USC 1666b timing of payments, a creditor MAY NOT treat a payment on a credit card under an open ended credit plan as late for ANY PURPOSE. Pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand you to do the following today ; Block and Delete the following XXXX XXXX XXXX Charge off / Closed Account -Account number - XXXX XXXX XXXX XXXX  - Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nI the living man have demanded these accounts be VALIDATED ( not a verification ) WITH ORIGINAL CONTRACTS or DOCUMENTS WITH MY ( WET SEAL SIGNATURE ) on them on a CERTIFIED COPY OF the TRUE BILL ( not a statement ) or REMOVE ACCOUNTS IF THEY CAN'T BE VALIDATED. SEND ME PROOF BY EMAIL to XXXX and by CERTIFIED MAIL to XXXX XXXX XXXX XXXX, XXXX Georgia XXXX WITH TRACKING NUMBER I Demand that of the listed accounts update. The Trading with the ememy acct. By 28 U.S Code & 3002 / UCC 1 308, HJR 192 1933 and US Constitution Article 1 Section 10... I the living man demand that FRAUDULENT ACCT. ( XXXX ) XXXX XXXX XXXX Charge off / Closed Account - Account number - XXXX FRAUDULENT ACCOUNT ( 2 ) XXXX XXXX XXXX - Account number XXXX All Inquiries are Disputed as FRAUDULENT and need to be VALIDATED XXXX XXXX  Inquiry date XX/XX/XXXX. / Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX / Removal date XX/XX/XXXX I the living man wants all accounts to be VALIDATED that I the living man was giving money when it No money as the country is Bankrupt and in Bankruptcy it has, been no money snice all the GOLD & SILVER was taken and the BANKRUPT XXXX XXXX XXXX is pushing worthless paper as money when its no money so how is the living man supposed to pay with money when its no money only FIAT CURRENCY when I the living man is the Grantor and Beneficiary of the ESTATE for the ALL CAPS NAME called XXXX XXXX XXXX i'm not the ALL CAPS NAME e.g I'm the only legally Authorized Representative that can sign for the ALL CAPS NAME these accounts claim all accounts all been VALIDATED, WITH CERTIFIED COPY OF THE TRUE BILL & ORIGINAL CONTRACT DOCUMENTS THAT HAVE MY WET SEAL SIGNATURE ON THEM I DEMAND ALL OF THIS PROOF TO BE SENT TO Either of THE LIVING MAN addresses listed. \n\nI DEMAND TO SEE THIS PROOF ASAP and I need this to be stated on the record for equity court as I the living man will file suit and make an special appearance in court to have these accounts to be VALIDATED, Certified Copy of TRUE BILL and the Original Contract & Documents that ho","date_sent_to_company":"2023-03-11T16:08:11.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"30016","tags":null,"has_narrative":true,"complaint_id":"6681290","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2023-03-11T16:07:50.000Z","state":"GA","company_public_response":null,"sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["<em>XXXX</em> CFPB TOP PDF XX/XX/<em>XXXX</em> I, <em>XXXX</em> <em>XXXX</em>. The Consumer submitted a complaint asking all credit agencies to stop violating My privacy by posting alleged debt on their private sites. ( e.g. EARLY WARNING SERVICE LLC.is a private company owned by <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, ETC. ) <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>.are not Bureau 's and are <em>only</em> agencies of the BUREAU."]},"sort":[2.9256673,"6681290"]},{"_index":"complaint-public-v1","_id":"6681220","_score":2.913692,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TRANSUNION CFPB TOP PDF XX/XX/XXXX I, XXXX XXXX. The XXXX submitted a complaint asking all credit agencies to stop violating My privacy by posting alleged debt on their private sites. XXXX XXXX XXXX XXXX XXXX XXXX.is a private company owned by XXXX XXXX XXXX XXXX, ETC. ) TRANSUNION INTERMEDIATE HOLDINGS, XXXX, XXXX XXXX XXXX INC.And XXXX, INC.are not Bureau 's and are only agencies of the BUREAU. When I stated the account in question in last complaint I meant \" EVERY SINGLE ACCOUNT '' DEBT PAYMENT HISTORY ETC '' that XXXX XXXX XXXXTRANSUNION continues to post I will hold the CFO personally liable as notice to agent is notice to principle. the individual who's privacy is being violated pursuant to the EQUAL CREDIT OPPORTUNITY ACT THE FEDERAL RESERVE ACT, THE PRIVACY ACT, every transaction relies upon the \" FULL FAITH & CREDIT '' of the united states. Im invoking Consumer protection laws for : Delete, Block and Remove Listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance updated XXXX XXXX, XXXX Credit limit - {$500.00} Account info - Account number - XXXX Open/closed - Closed Date opened - XX/XX/XXXX 31 U.S. Code 5312 - Definitions and application The Federal Government took away our lawful money ( silver & gold ) in 1933 but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. That the use of a ( federal reserve ) Note is only a promise to pay. That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189. I can't provide exact dates because I have been trying to get this matter settled with TRANSUNION INTERMEDIATE HOLDINGS, INC., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. \nI am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of 1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been almost 6+ years and this firm is still continuing to report false information on the report. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) Imay presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages. I am comprehending that the credit reporting agencies, TRANSUNION INTERMEDIATE HOLDINGS , INC., XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXMUST delete ALL accounts that I have reported as fraudulent regarding identity theft within FOUR ( 4 ) days of my report, and NONE OF THEM HAVE DONE SO, violating the laws that are placed to protect consumers.15 U.S. Code 1681c2 - Block of information resulting from identity theft. : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to \" report '' my PRIVATE information for the public corporations to see. \nBecause of this fact. I am concerned about the validity and accuracy of of the accounts that are reporting on my credit report. I am requesting a investigation because I feel the items are not being reported legally. I received a copy of my TRANSUNION INTERMEDIATE HOLDINGS, INC., XXXX XXXX XXXX XXXX XXXX XXXX.credit reports containing the following inaccurate and incomplete items : Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1 ) There were fraudulent charges made on this account Additional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609 Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1 ) There were fraudulent charges made on this account Addtional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609I disputed every negative items on my credit report several times, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any organization who uses my name without my consent, and committing fraud.According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Again according to Hjr 192 the US Congress passed the Emergency Banking Act. It was also announced by the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress.\n\nThe two provisions that empower FinCEN to consider any business or agency as a financial institution the 1st is if it engages in any activity that is similar to, related to, or a substitute for any activity in which any business described above is authorized to engage. 31 CFR Section 5312 ( a ) ( 2 ) ( Y ). The second authorizes FinCEN to designate any other business as a financial institution if that business has cash transactions that have a high degree of usefulness in criminal, tax, or regulatory matters. See 31 CFR Section 5312 ( a ) ( 2 ) ( Z ). \n\nAs is evident from the list above, the regulations and reporting requirements implemented pursuant to the BSA apply broadly to the financial activities of many businesses and not just banks. As such, the financial activities of a very broad cross-section of the economy can come under the scrutiny of the federal government. Every customer at a car dealership, travel agency, casino, insurance company, or bank is at risk of having a SAR be secretly filed about their financial activities. Given the existence of such scrutiny, all financial institutions and their customers should be cognizant of BSA and FinCEN regulations. Compliance with all regulations is critical to protecting oneself and ones business. Moreover, making finance arrangements that lessen risk, such as avoiding the use of unlicensed money transmitters, is another way to avoid unwarranted investigatory attention. \n\n\n\nXXXX XXXX CFPB TOP PDF TRANSUNION CFPB BOTTOM XX/XX/XXXX Charged off accounts that are fraudulent transactions The OFFICE OF COMPTROLLER OF THE CURRENCY ( OCC ) And FEDERAL TRADE COMMISSION Were Contacted And Reports Were Generated For the Following Accounts Associated Which The Stated Banks/ Financial institutions. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Addition There are a bunch Inquiries that need to be removed. I DID NOT AUTHORIZE All Inquiries listed on my consumer report to be removed XXXX XXXX \nXXXX XXXX XXXX  The doctrine of privity contract ( s ) is a common law principle which provides that a contract can not confer rights or impose obligations upon any person who is not a party to the contract. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. Res Judicata : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON XXXX XXXX XXXX XXXX CONTRACT, FOR DETERMINATION 'UNCONSCIONABLE CONTRACT ' AND AGREEMENT FOR COMMERCIAL DISCHARGE, I am in receipt of and conditionally accept for value ( honor ) \" Demand For Payment Of Debt '' It has come to my attention that as applied to the above matter, that there may not have been a true qualified 'meeting of the minds, ' that there may be fraud or misrepresentation on the contract and/or the contract itself may be an unconscionable contract, or other controversies that may exist within this contract/transaction. \nAs I want to resolve this matter as soon as possible, I am initiating this private-administrative remedy to determine such matters and I do not agree to make payment ( s ) predicated upon your claim. This Equality of Opportunity is to let the lawful record of 15 USC 1992 ( a ) Abusive practices ( b ) Inadequacy of laws ( c ) Available non-abusive collection methods ( d ) Interstate commerce ( e ) Purposes, required by FEDERAL LAW. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. FDIC Law, Regulations, Related Acts. https : //www.fdic.gov/regulations/laws/rules/8000-1250.html USC 1306 . The FTC 's Bureau of Consumer Protection Act ( s ). This Equality of Opportunity is to let the lawful record of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), reflect that you are required by federal and state law to verify through the physical verification of the original signature of consumers contract any and all accounts you post on any of my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. PROOF OF SIGNATURES AND STATUS AS HOLDER IN DUE COURSE. I demand to see Verifiable Proof of my original Consumer Contract with my Signature on the instrument you have on file of the accounts listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below. See Attached Instrument ( s ) Proof Of Claim Proof Of Delivery Rescind Debt, Discharge Debt In Accordance To HJR 192 Act of 1933. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz. The Business of Banking. The business of banking, as defined by law and custom, consists in the issue of notes intended to circulate as money..And defines a Bankers Note as : A commercial instrument resembling a bank note in every particular except that it is given by a private banker or unincorporated banking institution. A Person is a Financial Institution ; Unincorporated Banking Institution ; and Financial Agency pursuant to 31 U.S.C. 5312 and a U.C.C. - ARTICLE 3 - NEGOTIABLE INSTRUMENTS.. Acceptance Promissory Note under ( U.C.C. 2-304 ) that states, The price can be made payable in money or otherwise. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz Of pure gold or silver as per Articles VIII and X of the Constitution For the United States of America. or lender promissory notes requiring legal money that is not true money such as : bank checks, cash, check, money orders, attorney checks, bank transfers, wire transfers, FEDERAL RESERVE PROMISSORY NOTE DOLLARS, cashier checks, and certified checks from a bank, attorney, or escrow company are illegal pursuant to Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258 ( ). Contracts requiring legal money such as cash, check, money orders, bank transfers, wire transfers, and Federal Reserve Notes ( DOLLARS ) are illegal and unlawful by Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258. All debts today are discharged by promises to pay in the future. All Federal Reserve Notes, DOLLARS, are registered securities and promise to pay in the future. FRNs are secured by the utility of alive men 's energy or labor. When quoting U.C.C. statutes, the courts require them to be quoted with State or Federal statute designation. U.C.C. codes are United Nations statutes, but are codified in every local jurisdiction. \nIn accordance with 31 U.S.C. 5103 and 18 USC 8, such Note instruments are national bank currency and thereby coin or currency of the United States by statutory definition and can be issued by who are banking members of the fX and are THE EQUIVALENT OF MONEY as per 12 USC 1813 ( L ) and must be accepted by all banks and financial institutions as payoff, set off, discharge, and full settlement of all debts and loans. Failure to remove this debt will result in legal action HJR 192 ACT OF 1933 PUBLIC LAW 73-10 31 U.S.C. 3123 - U.S. Code - Unannotated Title 31. Money and Finance 3123. Payment of obligations and interest on the public debt.. Payment of obligations and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. ( c ) ( 1 ) The Secretary may issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The Secretary may dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section 3102 ( b ) ( d ) of this title.\n\n( 2 ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that may be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of the exchange value on the date of issue of the bonds, notes, or certificates as published by the Secretary under SECTION 5151 OF THIS TITLE. ( 3 ) The Secretary may designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency may be deposited. CITE AS : 31 USC 3123. 12 U.S. Code 461 - Reserve requirements- 5 ). ( F ) In order to prevent evasions of the reserve requirements imposed by this subsection, after consultation with the Board of Directors of the Federal Deposit Insurance Corporation, the Comptroller of the Currency, and the National Credit Union Administration Board, the Board of Governors of the Federal Reserve System is authorized to determine, by regulation or order, that an account or deposit is a transaction account if such account or deposit may be used to provide funds directly or indirectly for the purpose of making payments or transfers to third person. ( TRANSUNION INTERMEDIATE HOLDINGS Inc ) This erroneous entrys is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. Please respond accordingly, A PERSON is a Financial Institution ; Unincorporated Banking Institution ; and Financial Agency pursuant to 31 U.S.C. 5312 and a Acceptance Promissory Note under ( U.C.C. 2-304 ) tha FTC ATTACHED.\n\nThe Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking... The Federal Trade Commission 's Credit Practices Rule states that it is... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission 's Credit Practices Rule states that it is... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ... According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Also according to Hjr 192 IN 1933! the US Congress passed the Emergency Banking Act. It was also announced to the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. \nThis made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress. \nIn XXXX Tendered payments WERE ISSUED TO XXXX XXXX XXXX with proof of service and signatures required signed by all creditors. The law states that if the payment is not accepted then XXXX XXXX has five days to return that payment to me with lawful reason for denying it. XXXX XXXX XXXX has failed to do so. In fact it has been [ 96 ] days and the Tender of Payment has yet to be mentioned by XXXX XXXX XXXX XXXX. If the payment is not returned then it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank. \nIt is left to be implied due to the amount of time given to XXXX XXXX XXXX XXXX. which is well passed the five day time to respond. Attached are the FDCPA laws. ALSO, The new law states \" Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, 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 of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. Therefore all are hereby notified that i XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. i have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. Rather it has been over [ 96 ] days and nothing has posted as paid tendered or discharged and this disables me by way of doing business employment and living free. \nXXXX XXXX XXXX XXXX. has notified the Credit Reporting Agency. that i am late to a debt that was paid in full as of i have the CFPB COMPLAINT ID NUMBERS attached which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. If XXXX XXXX XXXX XXXX, has decided to deny the payment then the debt obligation is DISCHARGED! So again! I am writing you about inaccuracies that are being inequitably furnished by Transunion on my Consumer Report. These inaccuracies damaged my right to extend credit. I am being discriminated against by a long list of apartment complexes solely due to harmful information on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and am informing you that I NEVER gave consent to this report being furnished by you on my behalf. I am aware of the fact that your organization ASSUMED a vital role. Because of this, my livelihood has been adversely affected. There is no law that states anything needs to be reported to a consumer reporting agency. Therefore, TRANSUNION is liable under 15 USC 1681n. 15 USC 1681 ( a ) ( 4 ), clearly states that consumer reporting agencies MUST exercise their grave responsibilities with fairness, impartiality, and RESPECT for THE CONSUMERS RIGHT TO PRIVACY. Your organization neither exercised its responsibilities with fairness and impartiality NOR protected MY right to PRIVACY. Please show me the law where it states a credit reporting agency may report non public personal information on a consumer without consent. I called and spoke to your representatives several times to remedy this. Ive lost countless hours since XXXX to this. Ive lost sleep, nutrition, a portion of my moving money, and am STILL suffering from mental anguish and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Something that wouldve never happened if it werent for you people. \nAvailable homes I am qualified for are being rented by others as my reputation continues to be affected by these inaccuracies and without my consent. I have a deadline to move by XX/XX/XXXX and My safe livelihood is at stake and I am at risk of homelessness because of YOU not PROTECTING MY RIGHT TO PRIVACY and furnishing non-public personal information WITHOUT MY CONSENT. You should be ashamed for operating in a way that puts consumers lives at risk, blatantly committing fraud, and aggressively violating consumer rights to privacy. I am requesting proof that Transunion investigated any negative items you furnished to my consumer report. This grave step affects my reputation. Pursuant to 15 USC 1681a ( e ) an investigative consumer report would mean you conducted interviews with family and friends. You must not rely on information from a creditor. In the FCRA, 15 USC 1681a ( e ) clearly states that an investigative consumer report is ; obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include factual information on a consumers credit record OBTAINED DIRECTLY FROM A CREDITOR of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Further, pursuant to 15 USC 6802 ( b ) I was supposed to be given a disclosure to opt out of my non public personal information being reported by a non affiliated third party. I was not given this disclosure. Further, pursuant to 15 USC 1681b credit reporting is voluntary.\n\nI did NOT consent neither did I provide written notice to you to report account status. Pursuant to 15 USC 1666b timing of payments, a creditor MAY NOT treat a payment on a credit card under an open ended credit plan as late for ANY PURPOSE. Pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand you to do the following today ; Block and Delete the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account number XXXX TRANSUNION INTERMEDIATE HOLDINGS , INC . \n\nI the living man have demanded these accounts be VALIDATED ( not a verification ) WITH ORIGINAL CONTRACTS or DOCUMENTS WITH MY ( WET SEAL SIGNATURE ) on them on a CERTIFIED COPY OF the TRUE BILL ( not a statement ) or REMOVE ACCOUNTS IF THEY CAN'T BE VALIDATED. SEND ME PROOF BY EMAIL to XXXX and by CERTIFIED MAIL to XXXX XXXX XXXX XXXX, XXXX Georgia XXXX WITH TRACKING NUMBER I Demand that of the listed accounts update. The Trading with the ememy acct. By 28 U.S Code & 3002 / UCC 1 308, HJR 192 1933 and US Constitution Article 1 Section 10... I the living man demand that FRAUDULENT ACCT. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT ACCOUNT ( XXXX ) XXXX XXXX XXXX - Account number XXXX All Inquiries are Disputed as FRAUDULENT and need to be VALIDATED XXXX XXXX XXXX date XX/XX/XXXX. / Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX / Removal date XX/XX/XXXX I the living man wants all accounts to be VALIDATED that I the living man was giving money when it No money as the country is Bankrupt and in Bankruptcy it has, been no money snice all the GOLD & SILVER was taken and the BANKRUPT US AMERICA CORPORATION is pushing worthless paper as money when its no money so how is the living man supposed to pay with money when its no money only FIAT CURRENCY when I the living man is the Grantor and Beneficiary of the ESTATE for the ALL CAPS NAME called XXXX XXXX XXXX i'm not the ALL CAPS NAME e.g I'm the only legally Authorized Representative that can sign for the ALL CAPS NAME these accounts claim all accounts all been VALIDATED, WITH CERTIFIED COPY OF THE TRUE BILL & ORIGINAL CONTRACT DOCUMENTS THAT HAVE MY WET SEAL SIGNATURE ON THEM I DEMAND ALL OF THIS PROOF TO BE SENT TO Either of THE LIVING MAN addresses listed. \n\nI DEMAND TO SEE THIS PROOF ASAP and I need this to be stated on the record for equity court as I the living man will file suit and make an special appearance in court to have these accounts to be VALIDATED, Certified Copy of TRUE BILL and the Original Contract & Documents that ho","date_sent_to_company":"2023-03-11T16:07:45.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"30016","tags":null,"has_narrative":true,"complaint_id":"6681220","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-03-11T15:39:06.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing dispute for services"},"highlight":{"complaint_what_happened":["Ive lost countless hours since <em>XXXX</em> to this. Ive lost sleep, nutrition, a portion of my moving money, and am STILL suffering from <em>mental</em> anguish and <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. Something that wouldve never happened if it werent for you people. \nAvailable homes I am qualified for are being rented by others as my reputation continues to be affected by these inaccuracies and without my consent."]},"sort":[2.913692,"6681220"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":19,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":19}]}},"product":{"doc_count":19,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":7}]}},{"key":"Credit reporting or other personal consumer reports","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":3}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Virtual currency","doc_count":2},{"key":"Domestic (US) money transfer","doc_count":1}]}},{"key":"Debt collection","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":1},{"key":"I do not know","doc_count":1}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}},{"key":"Consumer Loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Installment loan","doc_count":1}]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Title loan","doc_count":1}]}}]}},"issue":{"doc_count":19,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":4,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status incorrect","doc_count":2},{"key":"Information is missing that should be on the report","doc_count":2}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Billing dispute for services","doc_count":2}]}},{"key":"Improper use of your report","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit inquiries on your report that you don't recognize","doc_count":2}]}},{"key":"Other service problem","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Attempts to collect debt not owed","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":1}]}},{"key":"Fraud or scam","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Managing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Deposits and withdrawals","doc_count":1}]}},{"key":"Problem with a company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":1}]}},{"key":"Struggling to pay mortgage","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure","doc_count":1}]}},{"key":"Taking out the loan or lease","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Took or threatened to take negative or legal action","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Sued you in a state where you do not live or did not sign for the debt","doc_count":1}]}},{"key":"Vehicle was repossessed or sold the vehicle","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}]}},"timely":{"doc_count":19,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":19}]}},"company_response":{"doc_count":19,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":17},{"key":"Closed with monetary relief","doc_count":1},{"key":"Closed with non-monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":19,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":19}]}},"company":{"doc_count":19,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Experian Information Solutions Inc.","doc_count":3},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":3},{"key":"PNC Bank N.A.","doc_count":2},{"key":"21ST MORTGAGE CORP.","doc_count":1},{"key":"BB&T CORPORATION","doc_count":1},{"key":"Coinbase, Inc.","doc_count":1},{"key":"Couch Lambert LLC","doc_count":1},{"key":"EQUIFAX, INC.","doc_count":1},{"key":"Early Warning Services, LLC","doc_count":1},{"key":"JPMORGAN CHASE & CO.","doc_count":1},{"key":"O&L LAW GROUP, P.L.","doc_count":1},{"key":"Paypal Holdings, Inc","doc_count":1},{"key":"ROBINHOOD MARKETS INC.","doc_count":1},{"key":"WELLS FARGO & COMPANY","doc_count":1}]}},"state":{"doc_count":19,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":5},{"key":"AL","doc_count":2},{"key":"GA","doc_count":2},{"key":"MA","doc_count":2},{"key":"TX","doc_count":2},{"key":"VA","doc_count":2},{"key":"IL","doc_count":1},{"key":"NC","doc_count":1},{"key":"SC","doc_count":1},{"key":"WI","doc_count":1}]}},"company_public_response":{"doc_count":19,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":8},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":1}]}},"tags":{"doc_count":19,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Older American","doc_count":3},{"key":"Servicemember","doc_count":2},{"key":"Older American, Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}