{"took":117,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":15,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2655091","_score":34.51099,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX, by way of SeriveLink, LLC, recorded an unsigned, unverifiable, QuitClaim Deed in error, falsely, misrepresented, in XXXX XXXX XXXX of Deeds. As the Secured Party Creditors, and the holders of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX XXXX XXXX XXXX, their alleged claims and/or requests prejudice my rights, titles, and interests in regard to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. For me to provide them with a remedy, I conditionally accept their offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof that the property is acquired by a new entity, 2. VERIFIABLE Proof of a copy of your lease ( even if expired ) or any other proof of your right to occupy the property, 3. VERIFIABLE Proof that the property in which I reside has been foreclosed, and 4. VERIFIABLE Proof of Proof of any security deposit paid and/or copies of cancelled checks or other proof that shows payment ( s ). \n5. VERIFIABLE Proof of any rent/lease payments and any other correspondence related to my occupancy of the property. \n6. VERIFIABLE Proof that a contract exist with any of the said parties.","date_sent_to_company":"2017-08-30T23:21:43.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"48219","tags":null,"has_narrative":true,"complaint_id":"2655091","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SERVICELINK LOSS MITIGATION SERVICES","date_received":"2017-08-30T22:55:56.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["As the Secured Party Creditors, and the holders of the paramount <em>security</em> interest in any and all <em>real</em> and <em>personal</em> <em>property</em> and the <em>proceeds</em> <em>therefrom</em>, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX XXXX XXXX XXXX, their alleged claims and/or requests prejudice my rights, titles, and interests in regard to said <em>property</em> as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged."],"sub_issue":["Seized or attempted to seize your <em>property</em>"]},"sort":[34.51099,"2655091"]},{"_index":"complaint-public-v1","_id":"2851468","_score":31.241604,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy a bona fide and verified claim must be presented. Therefore, I am conditionally accepting your offer as noted above, upon : 1. VARIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VARIFIABLE Proof of Amount of the actual debt, 3. VARIFIABLE Proof of Payments made on the account, 4. VARIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VARIFIABLE Proof of Fees and interest amounts, 6. VARIFIABLE Proof that XXXX, C/S CARE DEPT is owed money, 7. VARIFIABLE Proof of a signed contract showing the terms about the debt, 8. VARIFIABLE Proof of that XXXX owns the debt/or has been assigned the debt. \n9. VARIFIABLE Proof of a copy of a true bill from the original creditor, 10. VARIFIABLE Proof of a complete payment history, starting with the original creditor, 11. VARIFIABLE Proof of a Certified and True Copy of the original signed agreement or application, 12. VARIFIABLE Proof of a copy of a canceled check from XXXX XXXX XXXX to the original creditor.","date_sent_to_company":"2018-03-22T19:48:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48219","tags":null,"has_narrative":true,"complaint_id":"2851468","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CONGRESS COLLECTION CORP","date_received":"2018-03-22T19:48:42.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["As the Secured Party Creditor, and the holder of the paramount <em>security</em> interest in any and all <em>real</em> and <em>personal</em> <em>property</em> and the <em>proceeds</em> <em>therefrom</em>, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said <em>property</em> as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[31.241604,"2851468"]},{"_index":"complaint-public-v1","_id":"2851470","_score":31.00715,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy a bona fide and verified claim must be presented. Therefore, I am conditionally accepting your offer as noted above, upon : 1. VARIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VARIFIABLE Proof of Amount of the actual debt, 3. VARIFIABLE Proof of Payments made on the account, 4. VARIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VARIFIABLE Proof of Fees and interest amounts, 6. VARIFIABLE Proof that XXXX, C/S CARE DEPT is owed money, 7. VARIFIABLE Proof of a signed contract showing the terms about the debt, 8. VARIFIABLE Proof of that XXXX owns the debt/or has been assigned the debt. \n9. VARIFIABLE Proof of a copy of a true bill from the original creditor, 10. VARIFIABLE Proof of a complete payment history, starting with the original creditor, 11. VARIFIABLE Proof of a Certified and True Copy of the original signed agreement or application, 12. VARIFIABLE Proof of a copy of a canceled check from XXXX XXXX XXXX to the original creditor.","date_sent_to_company":"2018-03-22T19:48:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48219","tags":null,"has_narrative":true,"complaint_id":"2851470","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-03-22T19:48:42.000Z","state":"MI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["As the Secured Party Creditor, and the holder of the paramount <em>security</em> interest in any and all <em>real</em> and <em>personal</em> <em>property</em> and the <em>proceeds</em> <em>therefrom</em>, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said <em>property</em> as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[31.00715,"2851470"]},{"_index":"complaint-public-v1","_id":"2861199","_score":29.26654,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for XXXX XXXX to provide you with a remedy, I conditionally accept your offer upon verifiable proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to XXXX XXXX/Notary for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. \n\nXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Executive Vice President and Chief Financial Officer failed to rebut, address, answer or respond to Conditional Acceptance Upon Verifiable Proof of Claim, USPS Certified # XXXX XXXX XXXX XXXX XXXX.","date_sent_to_company":"2018-04-02T04:20:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48219","tags":null,"has_narrative":true,"complaint_id":"2861199","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-04-02T04:20:41.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["As the Secured Party Creditor, and the holder of the paramount <em>security</em> interest in any and all <em>real</em> and <em>personal</em> <em>property</em> and the <em>proceeds</em> <em>therefrom</em>, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said <em>property</em> as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[29.26654,"2861199"]},{"_index":"complaint-public-v1","_id":"2861198","_score":29.001373,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for XXXX XXXX to provide you with a remedy, I conditionally accept your offer upon verifiable proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to XXXX XXXX/Notary for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. \n\nXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Executive Vice President and Chief Financial Officer failed to rebut, address, answer or respond to Conditional Acceptance Upon Verifiable Proof of Claim, USPS Certified # XXXX XXXX XXXX XXXX XXXX.","date_sent_to_company":"2018-04-02T04:20:43.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48219","tags":null,"has_narrative":true,"complaint_id":"2861198","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-04-02T04:20:41.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["As the Secured Party Creditor, and the holder of the paramount <em>security</em> interest in any and all <em>real</em> and <em>personal</em> <em>property</em> and the <em>proceeds</em> <em>therefrom</em>, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said <em>property</em> as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[29.001373,"2861198"]},{"_index":"complaint-public-v1","_id":"2758458","_score":24.604477,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"ACH transactions from an account at PNC Bank ( {$900.00} on XX/XX/XXXX,  {$1500.00} on XX/XX/XXXX, and {$900.00} on XX/XX/XXXX, that were direct deposit credits to Chase account number ending in XXXX listed on the XXXX report. \n\nPNC 's records do not indicate that I have ever had a relationship with PNC per CFPB-CASE # XXXX AND CFPB-CASE # XXXX. \n\nI dispute all unverifiable transactions contained in account ending XXXX and Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/XXXX by XXXX XXXX summary disclosure. As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].","date_sent_to_company":"2017-12-18T20:21:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48219","tags":null,"has_narrative":true,"complaint_id":"2758458","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2017-12-18T20:21:12.000Z","state":"MI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["As the Secured Party Creditor, and the holder of the paramount <em>security</em> interest in any and all <em>real</em> and <em>personal</em> <em>property</em> and the <em>proceeds</em> <em>therefrom</em>, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said <em>property</em> as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[24.604477,"2758458"]},{"_index":"complaint-public-v1","_id":"2758456","_score":24.419115,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"ACH transactions from an account at XXXX XXXX ( {$900.00} on XX/XX/XXXX, {$1500.00} on XX/XX/XXXX, and {$900.00} on XX/XX/XXXX, that were direct deposit credits to XXXX   account number ending in XXXX listed on the EWS report. \n\nXXXX 's records do not indicate that I have ever had a relationship with XXXX per CFPB-CASE # XXXX AND CFPB-CASE # XXXX. \n\nI dispute all unverifiable transactions contained in account ending XXXX and Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/XXXX by Early Warning summary disclosure. As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].","date_sent_to_company":"2017-12-18T20:21:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48219","tags":null,"has_narrative":true,"complaint_id":"2758456","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2017-12-18T20:21:12.000Z","state":"MI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["As the Secured Party Creditor, and the holder of the paramount <em>security</em> interest in any and all <em>real</em> and <em>personal</em> <em>property</em> and the <em>proceeds</em> <em>therefrom</em>, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said <em>property</em> as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[24.419115,"2758456"]},{"_index":"complaint-public-v1","_id":"22174900","_score":21.626482,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"NOTICE OF DEMAND FOR IMMEDIATE RETURN OF TRUST PROPERTY, CREDITS, AND BENEFICIAL INTERESTS To : Navy Federal Credit Union Mortgage Servicer / Depository Institution / Trustee / Secured Party XXXX XXXX XXXX XXXX XXXX, Virginia XXXX And To : XXXX XXXXXXXX XXXX / Foreclosure Counsel c/o XXXX XXXX XXXX XXXX for Navy Federal Credit Union [ Insert current service address if mailing separately ] From : XXXX XXXX XXXX, XXXX XXXX XXXX / Beneficiary of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Representative XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX XXXX : XX/XX/XXXX Subject : Immediate Demand for Return of Credits, Trust Property, Beneficial Interests, Accounting, Set-Off, and Discharge Regarding Navy Federal Credit Union Mortgage XXXX XXXX XXXX XXXX, Loan Date XX/XX/XXXX, Foreclosure XXXX XXXX. XXXX, XXXX XXXX Court XXXX XXXX XXXX XXXX South Carolina COMES NOW the undersigned Grantor, Beneficiary, Trustee, Authorized Representative, and Secured Party, appearing specially and not generally, and hereby places the above-named parties upon formal notice and demand as follows : I. STATEMENT OF FACTS The undersigned executed a promissory note in connection with a mortgage transaction involving Navy Federal Credit Union, Loan No. XXXX, dated XX/XX/XXXX. \nSaid promissory note constituted valuable property, a negotiable financial instrument, and trust res capable of generating credits, deposits, collateral interests, accounting entries, and banking assets. \nUpon receipt of the promissory note, Navy Federal Credit Union, or its agents, servicers, custodians, trustees, successors, assigns, or related parties, accepted, deposited, monetized, collateralized, transferred, assigned, securitized, or otherwise converted the instrument into banking credits and/or financial assets. \nNavy Federal Credit Union thereafter established or caused to exist accounts, credits, reserves, collateral positions, bookkeeping entries, or corresponding asset accounts derived directly from the XXXXrantors promissory note and property interests.\n\nNavy Federal Credit Union thereafter denied the Grantor and Beneficiary access to the credits, deposits, account entries, and beneficial interests allegedly generated from said promissory note.\n\nNavy Federal Credit Union then purported to loan back to the Grantor the very credits, deposits, and financial value alleged to have been derived from the Grantors own instrument and property.\n\nNavy Federal Credit Union thereafter transferred, assigned, pledged, sold, hypothecated, or otherwise conveyed beneficial interests and credits without full disclosure, without informed consent, and contrary to the equitable ownership interests asserted by the Beneficiary.\n\nThe undersigned expressly disputes any presumption that Navy Federal Credit Union became the beneficial owner of the credits, proceeds, accounting entries, or trust property generated from the promissory note transaction. \nThe foreclosure matter is presently identified as Navy Federal Credit Union XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX. \nThe undersigned disputes Navy Federal Credit Unions standing, accounting, authority to enforce, amount claimed due, and any alleged deficiency absent complete production of the original note, all assignments, all payment histories, all credits, all setoffs, all transfers, and all accounting records.\n\nII. FACTS AND CONCLUSIONS OF LAW Under the Federal Reserve Act, notes and similar instruments are treated as financial instruments capable of being received, deposited, credited, or transferred through banking channels. \nThe undersigned demands proof of the exact accounting treatment applied to the XX/XX/XXXX promissory note and all related mortgage instruments. \nThe undersigned demands disclosure of whether the note, mortgage, deed of trust, servicing rights, collateral file, or beneficial interests were transferred, pledged, sold, assigned, pooled, collateralized, securitized, hypothecated, or otherwise monetized. \nEvery note may constitute evidence of an obligation and may also constitute property subject to transfer, assignment, pledge, or enforcement.\n\nLegally enforceable claims to money, credits, accounts, and identifiable proceeds may constitute protected property interests.\n\nA trust relationship exists where one party holds property, proceeds, credits, or benefits for the benefit of another and exercises control over such property. \nThe promissory note constituted property and the resulting credits, if any, constitute proceeds, substitutes, derivatives, and identifiable traceable assets subject to full disclosure and accounting. \nThe withholding, blocking, transferring, encumbering, or denying access to trust property, beneficial credits, account credits, or accounting records may constitute conversion, breach of fiduciary duty, constructive fraud, unjust enrichment, breach of contract, violation of servicing duties, and unlawful restraint of property interests.\n\nIII. AFFIDAVIT OF SECURITY INTEREST AND SET-OFF DISCHARGE BEFORE ME, the undersigned authority, personally appeared the undersigned Affiant, who after being duly sworn, deposes and states as follows : A. IDENTITY OF AFFIANT I, XXXX XXXX XXXX, acting as XXXX, Fiduciary, Authorized Representative, Executor, Beneficiary, and XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX : XXXX, do hereby swear and affirm under penalty of perjury that the facts set forth herein are true, correct, and based upon personal knowledge, review of trust records, review of mortgage records, and review of the foreclosure filings known to me. \n\nB. XXXX XXXX The trust is a duly constituted private trust operating through trust records, trust authority, trust property, and fiduciary administration connected to the XXXX. XXXX XXXX and related estate interests. As Trustee, Fiduciary, Authorized Representative, Executor, Beneficiary, and XXXX XXXX, I possess authority to execute notices, demand accountings, preserve trust assets, perfect security interests where applicable, settle obligations, dispute claims, demand return of property, and act on behalf of the trust and estate in commercial, legal, administrative, and equitable matters. \n\nXXXX CREDITOR STATUS AND SECURITY INTEREST On or about XX/XX/XXXX, the trust, estate, Grantor, and/or Beneficiary acquired and/or retained a legal, equitable, beneficial, and/or security interest in the financial obligation involving the following account and/or instrument : Debtor / Obligor Name : XXXX XXXX XXXX / XXXX XXXX XXXX Claimant XXXX Institution : Navy Federal Credit Union Account / Loan No XXXX : XXXX Original Debt Amount : To be verified from the closing disclosure, promissory note, mortgage, and final accounting records Instrument Reference : Promissory Note dated XX/XX/XXXX Foreclosure Case : Navy Federal Credit Union XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX Property / Collateral : Real property subject to the mortgage transaction and foreclosure action in XXXX XXXX, South Carolina The interest was perfected, preserved, asserted, or reserved through the mortgage transaction, security agreement, promissory note, trust records, payment instruments, notices, correspondence, transaction ledgers, UCC-related filings or claims, trust conveyance records, and other lawful commercial or equitable transactions. \n\nThe undersigned maintains that the promissory note and all credits, proceeds, accounting entries, setoffs, securitization proceeds, collateral proceeds, or financial benefits derived therefrom constitute property interests and trust assets belonging beneficially or equitably to the Grantor, Beneficiary, Trust, or Estate unless Navy Federal Credit Union produces competent evidence proving otherwise.\n\nD. DEFAULT, SET-OFF, AND DISCHARGE The subject obligation and associated account have been identified, disputed, or demanded for accounting as follows : ( a ) Alleged mortgage obligation connected to Navy Federal Credit Union XXXX XXXX XXXX XXXX ; ( b ) Promissory note dated XX/XX/XXXX allegedly used, transferred, assigned, pledged, monetized, collateralized, booked, or otherwise treated as an asset ; ( c ) Mortgage transaction now subject to foreclosure in XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX ; ( d ) Credits, proceeds, reserves, setoffs, insurance proceeds, title-related proceeds, escrow entries, collateral accounts, charge-off entries, servicing advances, investor payments, trust account entries, or other financial credits not fully disclosed to the Beneficiary; ( e ) Payment instrument and/or private trust presentment previously submitted and not fully accounted for, honored, returned with explanation, or cured.\n\nAccordingly, the undersigned disputes the existence of any remaining unsatisfied obligation absent a full accounting of all credits, payments, proceeds, setoffs, assignments, insurance proceeds, servicing advances, escrow entries, investor credits, monetized value, or other financial benefit generated from or connected to the instrument. \n\nXXXX FAILURE OF DISCLOSURE To date, Navy Federal Credit Union and/or its agents, servicers, trustees, foreclosure counsel, custodians, successors, or assigns have failed and/or refused to provide the undersigned with a complete and verified accounting sufficient to determine : All credits generated from the promissory note ; All reserve accounts, collateral positions, bookkeeping entries, and accounting treatment applied to the note ; All transfers, assignments, pledges, sales, securitizations, servicing transfers, or beneficial-interest transfers ; All parties possessing beneficial, secured, custodial, trustee, investor, or servicing interests in the instrument ; All profits, proceeds, assignments, payments, distributions, insurance claims, servicing advances, or investor credits derived from the transaction ; All escrow, HOA, condominium, Master Deed , title, and closing-related disclosures affecting the alleged debt and collateral ; All records showing whether the original note remains in the possession, custody, or control of Navy Federal Credit Union or any party claiming through it .\n\nThe withholding of such information constitutes concealment of material facts directly affecting the Beneficiarys property rights, equitable interests, defenses, right of redemption, right of recoupment, right of setoff, and ability to challenge standing and amount claimed due. \n\nXXXX XXXX GROUNDS This affidavit and demand are made under authority of, including but not limited to : UCC 1-103, 1-202, 1-308, 3-104, 3-301, 3-305, 3-310, 3-603, 9-203, 9-210, 9-607, and 9-601 ; South Carolina Uniform Commercial Code, Title 36 ; South Carolina Trust Code, including S.C. Code Ann. 62-7-1012 and 62-7-1013 where applicable ; RESPA, including 12 U.S.C. 2605, where loan servicing and qualified written request duties apply ; TILA, where disclosure and material transaction information apply ; Federal Rule of Evidence 301 ; Restatement principles governing trusts, fiduciary duties, accounting, and constructive trust remedies ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX ( XXXX ) ; XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; Any other applicable state, federal, equitable, commercial, mortgage-servicing, consumer-protection, trust, and foreclosure-law authority.\n\nIV. REBUTTAL OF CONTRARY PRESUMPTIONS Any presumption that : ( a ) Navy Federal Credit Union loaned its own money without receiving value, property, credit, proceeds, collateral, security, or accounting benefit from the promissory note ; ( b ) the Beneficiary surrendered ownership rights in generated credits, proceeds, account entries, or trust property ; ( c ) Navy Federal Credit Union acquired beneficial ownership of all promissory-note proceeds without complete disclosure and informed consent ; ( d ) Navy Federal Credit Union possessed authority to transfer beneficial credits, collateral proceeds, securitization interests, or trust property without authorization ; ( e ) Navy Federal Credit Union has standing to foreclose without proving possession, ownership, authority, accounting, and amount due ; ( f ) Navy Federal Credit Union may proceed in foreclosure without producing a full loan-level accounting and chain of title ; is expressly disputed, rebutted, and denied.\n\nThe undersigned demands that Navy Federal Credit Union prove each presumption by competent, admissible, verified records and not by conclusory statements, servicer screenshots, or attorney argument.\n\nV. DEMAND Accordingly, the undersigned hereby demands : Immediate identification and accounting of all credits, deposits, reserve credits, collateral accounts, securities interests, escrow entries, bookkeeping entries, servicing advances, investor credits, insurance proceeds, title-related credits, and financial assets derived from or connected to the XX/XX/XXXX promissory note. \nImmediate return, restoration, release, or crediting of all beneficial credits, trust property, estate property, and setoff amounts owed to the XXXX, XXXX, or XXXX. \nImmediate cessation of all transfers, encumbrances, securitizations, assignments, pledges, foreclosure sales, adverse reporting, or enforcement actions involving the Beneficiarys disputed property interests until a complete accounting is produced.\n\nFull accounting of all profits, proceeds, distributions, assignments, monetizations, transfers, servicing advances, investor payments, escrow entries, and setoffs derived from the promissory note transaction. \nDelivery of all records, ledgers, accounting statements, warehouse receipts, deposit records, trust account records, collateral schedules, loan-level transaction histories, escrow histories, payment histories, servicing records, investor records, assignments, endorsements, allonges, securitization records, and custodian records associated with the transaction.\n\nImmediate correction of all accounting records reflecting any alleged debt balance inconsistent with credits, payments, setoffs, proceeds, or value already received from the Beneficiarys instrument.\n\nRecognition of all lawful setoffs, discharges, settlements, trust credits, recoupments, and accounting entries associated with the transaction. \nWritten verification of the current holder, owner, servicer, trustee, investor, custodian, and party entitled to enforce the XX/XX/XXXX promissory note. \nWritten verification of whether Navy Federal Credit Union claims to hold the original wet-ink promissory note, and if not, identification of the party in possession. \nWritten confirmation that foreclosure activity in XXXX XXXX. XXXX will be suspended until the demanded accounting and verification are produced. \nVI. NOTICE OF DEFAULT AND OPPORTUNITY TO CURE Failure to comply within 15 days of receipt of this Notice shall constitute evidence of : failure to cure after notice ; failure to provide accounting ; failure to verify authority to enforce ; failure to rebut the facts stated herein ; breach of fiduciary, servicing, contractual, commercial, or equitable duties where applicable ; conversion or wrongful withholding of disputed property interests ; fraudulent concealment or material nondisclosure where proven ; continuing unlawful restraint upon the Beneficiarys property interests ; and grounds for further administrative, regulatory, equitable, and judicial relief.\n\nThe undersigned reserves all rights, remedies, claims, offsets, recoupments, equitable interests, liens, security interests, objections, defenses, counterclaims, affirmative defenses, and causes of action without waiver, including all rights reserved under XXXX XXXX. \n\nFURTHER AFFIANT SAYETH NAUGHT. \n\nBy : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Executor / Beneficiary of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Representative XXXX. XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX XXXX Rights Reserved Without Prejudice UCC XXXX XXXX : XX/XX/XXXXXXXX XXXX","date_sent_to_company":"2026-05-13T20:55:43.000Z","issue":"Other transaction problem","sub_product":"International money transfer","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"22174900","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-05-13T20:21:29.000Z","state":"SC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["The undersigned maintains that the promissory note and all credits, <em>proceeds</em>, accounting entries, setoffs, securitization <em>proceeds</em>, collateral <em>proceeds</em>, or financial benefits derived <em>therefrom</em> constitute <em>property</em> interests and trust assets belonging beneficially or equitably to the Grantor, Beneficiary, Trust, or Estate unless Navy Federal Credit Union produces competent evidence proving otherwise.\n\nD."]},"sort":[21.626482,"22174900"]},{"_index":"complaint-public-v1","_id":"2812257","_score":16.761143,"_source":{"product":"Debt collection","complaint_what_happened":"RE : OFFER, Issue No. XXXX, date SAT XX/XX/XXXX, Time XXXX, Officer Name XXXX XXXX Officer ID XXXX, Agency XXXX XXXX Area XXXX Dear GENTLEMEN : I am in receipt of your presentment, hereinafter PRESENTMENT, date XX/XX/XXXX, the original, is enclosed herewith. As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VARIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VARIFIABLE Proof of Amount of the actual debt, 3. VARIFIABLE Proof of Payments made on the account, 4. VARIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VARIFIABLE Proof of Fees and interest amounts, 6. VARIFIABLE Proof of a signed contract showing the terms about the debt, 7. VARIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VARIFIABLE Proof of a copy of a true bill from the original creditor, 9. VARIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VARIFIABLE Proof of a Certified and True Copy of the original signed agreement or application.\n\nPlease Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].\n\nNo assured value, No liability. Errors & Omissions Accepted. All Rights Retained.\n\nWITHOUT PREJUDICE W ITHOUT RECOURSE NON-ASSUMPSIT Calls may be recorded NOTICE IS HERE BY GIVEN, this document stands under the doctrine of qui tacet consentire videtur, \" he who is silent is taken to agree, silence implies/means consent ''. Failure to rebut, answer, respond, to this conditional acceptance upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce. Your agencys failure to rebut, address, answer or respond in this matter to Conditional Acceptance upon Proof, with bona fide evidence as proof of claim, dated XX/XX/XXXX, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/XXXX, stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut, address, answer or respond in this matter to Default Judgment and Declaratory judgment, dated XX/XX/XXXX, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/XXXX created a Summary judgment and became a Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided. \n\nAll Rights Retained, waiving none ever, in my correct capacity as beneficiary of the original jurisdiction.\n\nPermission must be sought in all matters of Privity where mutuality of interest occurs.\n\nI declare under penalty of perjury that the foregoing is true and correct. \nFor and on behalf of XXXX XXXX XXXX XXXX XXXX TRUST Without Prejudice UCC1-308 ALL RIGHTS RETAINED By : XXXX of the XXXX XXXX XXXX Family, Principal Creditor/Authorized Representative Please direct responses to third party witness : XXXX XXXX XXXX XXXX, WITNESS c/o XXXX XXXX, XXXX, Michigan XXXX XX/XX/XXXX On behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX /XXXX XXXX : XXXX XXXX XXXX THIS DOCUMENT IS NOT INTENDED TO THREATEN, HARASS, HINDER OR OBSTRUCT ANY LAWFUL OPERATIONS. \nIT IS FOR THE PURPOSES OF OBTAINING LAWFUL REMEDY AS IS PROVIDED BY LAW.","date_sent_to_company":"2018-02-16T16:03:37.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"48219","tags":null,"has_narrative":true,"complaint_id":"2812257","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Duncan Solutions, lnc.","date_received":"2018-02-12T23:26:50.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["As the Secured Party Creditor, and the holder of the paramount <em>security</em> interest in any and all <em>real</em> and <em>personal</em> <em>property</em> and the <em>proceeds</em> <em>therefrom</em>, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said <em>property</em> as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged."]},"sort":[16.761143,"2812257"]},{"_index":"complaint-public-v1","_id":"2872557","_score":15.890494,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Agent, As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for XXXX XXXX to provide you with a remedy, I conditionally accept your offer upon verifiable proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to XXXX XXXX/Notary for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application.\n\nPlease Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].\n\nNo assured value, No liability. Errors & Omissions Accepted. All Rights Retained. WITHOUT PREJUDICE W ITHOUT RECOURSE NON-ASSUMPSIT - Calls may be recorded AFFIDAVIT OF OWNERSHIP XXXX XXXX, do solemnly affirm, declare and state as follows : 1. XXXX XXXX is a woman, above age of XXXX, and capable to state the matters set forth herein. \n2. All the facts herein are true, correct, complete, and admissible as evidence, if called upon as a witness, XXXX XXXX will testify to their veracity. \n3. XXXX XXXX, holder of the duly authenticated Certificate of Title, and will present it as a counter deed. According to trust law, XXXX XXXX hold physical possession of said deed to said certificate. According to commercial law, XXXX XXXX hold a first in time, first in line document of said certificate, is the real party in interest, and holder in due course to the Title to said certificate. \n4. XXXX XXXX is of lawful age and being first duly sworn on oath, depose and state that I am familiar with the facts recited, and the party named in said certificate is the same party as one of the owners named in said certificate of title. \n\nPlain Statement of Facts 1. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability that XXXX XXXX, has engaged in conduct causing harm, loss, or injury to the United States and/or the public, and XXXX XXXX believes that no such evidence exists. \n\n2. XXXX XXXX denies Account # XXXX, et al, and believes that no such Account Number or amount exists. \n\n3. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of Legal documents to prove that the Capital One is legally authorized to collect, and XXXX XXXX believes that no such evidence exists. \n\n4. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of Account # XXXX, et al, and the amount of the actual debt, and XXXX XXXX believes that no such evidence exists. \n\n5. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of payments made on the accounts, Account # XXXX, et al, and XXXX XXXX believes that no such evidence exists. \n6. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of accounting of the accounts, Account # XXXX, et al, including all interest and fees, and XXXX XXXX believes that no such evidence exists. \n\n7. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of fees and interest amounts, and XXXX XXXX believes that no such evidence exists. \n\n8. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a signed contract showing the terms about the debt, and XXXX XXXX believes that no such evidence exists. \n\n9. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of the owner of the debt/or assignee the debt, and XXXX XXXX believes that no such evidence exists. \n\n10. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof, a copy of a true bill from the original creditor, and XXXX XXXX believes that no such evidence exists. \n\n11. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a complete payment history, starting with the original creditor, and XXXX XXXX believes that no such evidence exists. \n\n12. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a certified, authenticated copy of the original signed agreement or application, and XXXX XXXX believes that no such evidence exists.","date_sent_to_company":"2018-04-12T07:26:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2872557","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2018-04-12T03:23:25.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Dear Agent, As the Secured Party Creditor, and the holder of the paramount <em>security</em> interest in any and all <em>real</em> and <em>personal</em> <em>property</em> and the <em>proceeds</em> <em>therefrom</em>, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said <em>property</em> as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged."]},"sort":[15.890494,"2872557"]},{"_index":"complaint-public-v1","_id":"2872541","_score":15.764641,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Agent, As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for XXXX XXXX to provide you with a remedy, I conditionally accept your offer upon verifiable proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to XXXX XXXX/Notary for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application.\n\nPlease Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].\n\nNo assured value, No liability. Errors & Omissions Accepted. All Rights Retained. WITHOUT PREJUDICE W ITHOUT RECOURSE NON-ASSUMPSIT - Calls may be recorded AFFIDAVIT OF OWNERSHIP XXXX XXXX, do solemnly affirm, declare and state as follows : 1. XXXX XXXX is a woman, above age of XXXX, and capable to state the matters set forth herein. \n2. All the facts herein are true, correct, complete, and admissible as evidence, if called upon as a witness, XXXX XXXX will testify to their veracity. \n3. XXXX XXXX, holder of the duly authenticated Certificate of Title, and will present it as a counter deed. According to trust law, XXXX XXXX hold physical possession of said deed to said certificate. According to commercial law, XXXX XXXX hold a first in time, first in line document of said certificate, is the real party in interest, and holder in due course to the Title to said certificate. \n4. XXXX XXXX is of lawful age and being first duly sworn on oath, depose and state that I am familiar with the facts recited, and the party named in said certificate is the same party as XXXX of the owners named in said certificate of title. \n\nPlain Statement of Facts 1. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability that XXXX XXXX, has engaged in conduct causing harm, loss, or injury to the United States and/or the public, and XXXX XXXX believes that no such evidence exists. \n\n2. XXXX XXXX denies Account # XXXX, et al, and believes that no such Account Number or amount exists. \n\n3. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of XXXX documents to prove that the Auto Trakk, LLC is legally authorized to collect, and XXXX XXXX believes that no such evidence exists. \n\n4. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of Account # XXXX, et al, and the amount of the actual debt, and XXXX XXXX believes that no such evidence exists. \n\n5. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of payments made on the accounts, Account # XXXX, et al, and XXXX XXXX believes that no such evidence exists. \n6. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of accounting of the accounts, Account # XXXX, et al, including all interest and fees, and XXXX XXXX believes that no such evidence exists. \n\n7. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of fees and interest amounts, and XXXX XXXX believes that no such evidence exists. \n\n8. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a signed contract showing the terms about the debt, and XXXX XXXX believes that no such evidence exists. \n\n9. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of the owner of the debt/or assignee the debt, and XXXX XXXX believes that no such evidence exists. \n\n10. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof, a copy of a true bill from the original creditor, and XXXX XXXX believes that no such evidence exists. \n\n11. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a complete payment history, starting with the original creditor, and XXXX XXXX believes that no such evidence exists. \n\n12. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a certified, authenticated copy of the original signed agreement or application, and XXXX XXXX believes that no such evidence exists.","date_sent_to_company":"2018-04-12T07:15:08.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2872541","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Auto Trakk, LLC","date_received":"2018-04-12T03:11:14.000Z","state":"MI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Dear Agent, As the Secured Party Creditor, and the holder of the paramount <em>security</em> interest in any and all <em>real</em> and <em>personal</em> <em>property</em> and the <em>proceeds</em> <em>therefrom</em>, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said <em>property</em> as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged."]},"sort":[15.764641,"2872541"]},{"_index":"complaint-public-v1","_id":"2864765","_score":15.764641,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear Agent, As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for XXXX XXXX to provide you with a remedy, I conditionally accept your offer upon verifiable proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to XXXX XXXX/Notary for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. \nPlease Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ]. \nNo assured value, No liability. Errors & Omissions Accepted. All Rights Retained. WITHOUT PREJUDICE W ITHOUT RECOURSE NON-ASSUMPSIT - Calls may be recorded AFFIDAVIT OF OWNERSHIP XXXX XXXX, do solemnly affirm, declare and state as follows : 1.  XXXX XXXX is a woman, above age of 21, and capable to state the matters set forth herein. 2. All the facts herein are true, correct, complete, and admissible as evidence, if called upon as a witness, XXXX XXXX will testify to their veracity. 3. XXXX XXXX, holder of the duly authenticated Certificate of Title, and will present it as a counter deed. According to trust law, XXXX XXXX hold physical possession of said deed to said certificate. According to commercial law, XXXX XXXX hold a first in time, first in line document of said certificate, is the real party in interest, and holder in due course to the Title to said certificate. 4. XXXX XXXX is of lawful age and being first duly sworn on oath, depose and state that I am familiar with the facts recited, and the party named in said certificate is the same party as one of the owners named in said certificate of title. \n\nPlain Statement of Facts 1. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability that XXXX XXXX, has engaged in conduct causing harm, loss, or injury to the United States and/or the public, and XXXX XXXX believes that no such evidence exists. \n\n2. XXXX XXXX denies Account, et al, and believes that no such Account Number or amount exists. \n\n3. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of Legal documents to prove that the entity is legally authorized to collect, and XXXX XXXX believes that no such evidence exists. \n\n4. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of Account, et al, and the amount of the actual debt, and XXXX XXXX believes that no such evidence exists. \n\n5. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of payments made on the accounts, and XXXX XXXX believes that no such evidence exists. \n\n6. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of accounting of the accounts, including all interest and fees, and XXXX XXXX believes that no such evidence exists. \n\n7. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of fees and interest amounts, and XXXX XXXX believes that no such evidence exists. \n\n8. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a signed contract showing the terms about the debt, and XXXX XXXX believes that no such evidence exists. \n\n9. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of the owner of the debt/or assignee the debt, and XXXX XXXX believes that no such evidence exists. \n\n10. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof, a copy of a true bill from the original creditor, and XXXX XXXX believes that no such evidence exists. \n\n11. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a complete payment history, starting with the original creditor, and XXXX XXXX believes that no such evidence exists. \n\n12. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a certified, authenticated copy of the original signed agreement or application, and XXXX XXXX believes that no such evidence exists.","date_sent_to_company":"2018-04-04T23:24:00.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2864765","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2018-04-04T22:55:58.000Z","state":"MI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Dear Agent, As the Secured Party Creditor, and the holder of the paramount <em>security</em> interest in any and all <em>real</em> and <em>personal</em> <em>property</em> and the <em>proceeds</em> <em>therefrom</em>, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said <em>property</em> as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[15.764641,"2864765"]},{"_index":"complaint-public-v1","_id":"2872534","_score":15.611305,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Agent, As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for XXXX XXXX to provide you with a remedy, I conditionally accept your offer upon verifiable proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to XXXX XXXX for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application.\n\nPlease Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].\n\nNo assured value, No liability. Errors & Omissions Accepted. All Rights Retained. WITHOUT PREJUDICE W ITHOUT RECOURSE NON-ASSUMPSIT - Calls may be recorded AFFIDAVIT OF OWNERSHIP XXXX XXXX, do solemnly affirm, declare and state as follows : 1. XXXX XXXX is a woman, above age of XXXX, and capable to state the matters set forth herein. \n2. All the facts herein are true, correct, complete, and admissible as evidence, if called upon as a witness, XXXX XXXX will testify to their veracity. \nXXXX. XXXX XXXX, holder of the duly authenticated Certificate of Title, and will present it as a counter deed. According to trust law, XXXX XXXX hold physical possession of said deed to said certificate. According to commercial law, XXXX XXXX hold a first in time, first in line document of said certificate, is the real party in interest, and holder in due course to the Title to said certificate. \n4. XXXX XXXX is of lawful age and being first duly sworn on oath, depose and state that I am familiar with the facts recited, and the party named in said certificate is the same party as one of the owners named in said certificate of title. \n\nPlain Statement of Facts 1. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability that XXXX XXXX, has engaged in conduct causing harm, loss, or injury to the United States and/or the public, and XXXX XXXX believes that no such evidence exists. \n\n2. XXXX XXXX denies Account # XXXX, et al, and believes that no such Account Number or amount exists. \n\n3. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of Legal documents to prove that the SALLIE MAE is legally authorized to collect, and XXXX XXXX believes that no such evidence exists. \n\n4. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of Account # XXXX, et al, and the amount of the actual debt, and XXXX XXXX believes that no such evidence exists. \n\n5. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of payments made on the accounts, Account # XXXX, et al, and XXXX XXXX believes that no such evidence exists. \n\n6. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of accounting of the accounts, Account # XXXX, et al, including all interest and fees, and XXXX XXXX believes that no such evidence exists. \n\n7. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of fees and interest amounts, and XXXX XXXX believes that no such evidence exists. \n\n8. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a signed contract showing the terms about the debt, and XXXX XXXX believes that no such evidence exists. \n\n9. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of the owner of the debt/or assignee the debt, and XXXX XXXX believes that no such evidence exists. \n\n10. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof, a copy of a true bill from the original creditor, and XXXX XXXX believes that no such evidence exists. \n\n11. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a complete payment history, starting with the original creditor, and XXXX XXXX believes that no such evidence exists. \n\n12. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a certified, authenticated copy of the original signed agreement or application, and XXXX XXXX believes that no such evidence exists.","date_sent_to_company":"2018-04-12T07:03:05.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2872534","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2018-04-12T02:53:00.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Dear Agent, As the Secured Party Creditor, and the holder of the paramount <em>security</em> interest in any and all <em>real</em> and <em>personal</em> <em>property</em> and the <em>proceeds</em> <em>therefrom</em>, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said <em>property</em> as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged."]},"sort":[15.611305,"2872534"]},{"_index":"complaint-public-v1","_id":"2872589","_score":15.503697,"_source":{"product":"Debt collection","complaint_what_happened":"Dear Agent, As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for XXXX XXXX to provide you with a remedy, I conditionally accept your offer upon verifiable proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to XXXX XXXX/Notary for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. \n\nPlease Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ]. \n\nNo assured value, No liability. Errors & Omissions Accepted. All Rights Retained. WITHOUT PREJUDICE W ITHOUT RECOURSE NON-ASSUMPSIT - Calls may be recorded AFFIDAVIT OF OWNERSHIP XXXX XXXX, do solemnly affirm, declare and state as follows : 1. XXXX XXXX is a woman, above age of XXXX, and capable to state the matters set forth herein. \n2. All the facts herein are true, correct, complete, and admissible as evidence, if called upon as a witness, XXXX XXXX will testify to their veracity. \nXXXX. XXXX XXXX, holder of the duly authenticated Certificate of Title, and will present it as a counter deed. According to trust law, XXXX XXXX hold physical possession of said deed to said certificate. According to commercial law, XXXX XXXX hold a first in time, first in line document of said certificate, is the real party in interest, and holder in due course to the Title to said certificate. \n4. XXXX XXXX is of lawful age and being first duly sworn on oath, depose and state that I am familiar with the facts recited, and the party named in said certificate is the same party as one of the owners named in said certificate of title. \n\nPlain Statement of Facts 1. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability that XXXX XXXX, has engaged in conduct causing harm, loss, or injury to the United States and/or the public, and XXXX XXXX believes that no such evidence exists. \n\n2. XXXX XXXX denies Account # XXXX, et al, and believes that no such Account Number or amount exists. \n\n3. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of Legal documents to prove that the Exeter Finance is legally authorized to collect, and XXXX XXXX believes that no such evidence exists. \n\n4. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of Account # XXXX, et al, and the amount of the actual debt, and XXXX XXXX believes that no such evidence exists. \n\n5. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of payments made on the accounts, Account # XXXX, et al, and XXXX XXXX believes that no such evidence exists. \n\n6. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of accounting of the accounts, Account # XXXX, et al, including all interest and fees, and XXXX XXXX believes that no such evidence exists. \n\n7. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of fees and interest amounts, and XXXX XXXX believes that no such evidence exists. \n\n8. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a signed contract showing the terms about the debt, and XXXX XXXX believes that no such evidence exists. \n\n9. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of the owner of the debt/or assignee the debt, and XXXX XXXX believes that no such evidence exists. \n\n10. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof, a copy of a true bill from the original creditor, and XXXX XXXX believes that no such evidence exists. \n\n11. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a complete payment history, starting with the original creditor, and XXXX XXXX believes that no such evidence exists. \n\n12. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a certified, authenticated copy of the original signed agreement or application, and XXXX XXXX believes that no such evidence exists.","date_sent_to_company":"2018-04-12T04:02:16.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2872589","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Exeter Finance, LLC.","date_received":"2018-04-12T03:59:19.000Z","state":"MI","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Dear Agent, As the Secured Party Creditor, and the holder of the paramount <em>security</em> interest in any and all <em>real</em> and <em>personal</em> <em>property</em> and the <em>proceeds</em> <em>therefrom</em>, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said <em>property</em> as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged."]},"sort":[15.503697,"2872589"]},{"_index":"complaint-public-v1","_id":"2864772","_score":15.503697,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Dear Agent, As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for XXXX XXXX to provide you with a remedy, I conditionally accept your offer upon verifiable proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to XXXX XXXX/Notary for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application.\n\nPlease Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].\n\nNo assured value, No liability. Errors & Omissions Accepted. All Rights Retained. WITHOUT PREJUDICE W ITHOUT RECOURSE NON-ASSUMPSIT - Calls may be recorded AFFIDAVIT OF OWNERSHIP XXXX XXXX, do solemnly affirm, declare and state as follows : 1. XXXX XXXX is a woman, above age of XXXX, and capable to state the matters set forth herein. 2. All the facts herein are true, correct, complete, and admissible as evidence, if called upon as a witness, XXXX XXXX will testify to their veracity. 3. XXXX XXXX, holder of the duly authenticated Certificate of Title, and will present it as a counter deed. According to trust law, XXXX XXXX   hold physical possession of said deed to said certificate. According to commercial law, XXXX XXXX hold a first in time, first in line document of said certificate, is the real party in interest, and holder in due course to the Title to said certificate. 4. XXXX XXXX is of lawful age and being first duly sworn on oath, depose and state that I am familiar with the facts recited, and the party named in said certificate is the same party as one of the owners named in said certificate of title.\n\nPlain Statement of Facts 1. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability that XXXX XXXX, has engaged in conduct causing harm, loss, or injury to the United States and/or the public, and XXXX XXXX   believes that no such evidence exists.\n\n2. XXXX XXXX  denies Account, et al, and believes that no such Account Number or amount exists.\n\n3. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of Legal documents to prove that the entity is legally authorized to collect, and XXXX XXXX believes that no such evidence exists.\n\n4. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of Account, et al, and the amount of the actual debt, and XXXX XXXX believes that no such evidence exists.\n\n5. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of payments made on the accounts, and XXXX XXXX  believes that no such evidence exists.\n\n6. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability of accounting of the accounts, including all interest and fees, and XXXX XXXX believes that no such evidence exists.\n\n7. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of fees and interest amounts, and XXXX XXXX believes that no such evidence exists.\n\n8. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a signed contract showing the terms about the debt, and XXXX XXXX believes that no such evidence exists.\n\n9. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of the owner of the debt/or assignee the debt, and XXXX XXXX believes that no such evidence exists.\n\n10. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof, a copy of a true bill from the original creditor, and XXXX XXXX believes that no such evidence exists.\n\n11. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a complete payment history, starting with the original creditor, and XXXX XXXX  believes that no such evidence exists.\n\n12. There is no bona fide evidence as proof of claim, under a sworn affidavit, under penalty of perjury with unlimited commercial liability as proof of a certified, authenticated copy of the original signed agreement or application, and XXXX XXXX believes that no such evidence exists.","date_sent_to_company":"2018-04-04T23:24:07.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2864772","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2018-04-04T23:24:05.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Dear Agent, As the Secured Party Creditor, and the holder of the paramount <em>security</em> interest in any and all <em>real</em> and <em>personal</em> <em>property</em> and the <em>proceeds</em> <em>therefrom</em>, registered to, associated with, in the possession of, or under the management of, XXXX XXXX your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said <em>property</em> as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged."],"product":["Credit reporting, credit repair services, or other <em>personal</em> consumer reports"]},"sort":[15.503697,"2864772"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":15,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":15}]}},"product":{"doc_count":15,"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":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":8}]}},{"key":"Debt collection","doc_count":6,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":6}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"International money transfer","doc_count":1}]}}]}},"issue":{"doc_count":15,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your report","doc_count":8,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":8}]}},{"key":"Attempts to collect debt not owed","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":5}]}},{"key":"Other transaction problem","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":"Seized or attempted to seize your property","doc_count":1}]}}]}},"timely":{"doc_count":15,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":15}]}},"company_response":{"doc_count":15,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":14},{"key":"Closed with non-monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":15,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":15}]}},"company":{"doc_count":15,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"EQUIFAX, INC.","doc_count":2},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":2},{"key":"Auto Trakk, LLC","doc_count":1},{"key":"CAPITAL ONE FINANCIAL CORPORATION","doc_count":1},{"key":"CONGRESS COLLECTION CORP","doc_count":1},{"key":"Duncan Solutions, lnc.","doc_count":1},{"key":"Early Warning Services, LLC","doc_count":1},{"key":"Exeter Finance, LLC.","doc_count":1},{"key":"Experian Information Solutions Inc.","doc_count":1},{"key":"NAVY FEDERAL CREDIT UNION","doc_count":1},{"key":"Navient Solutions, LLC.","doc_count":1},{"key":"PNC Bank N.A.","doc_count":1},{"key":"SERVICELINK LOSS MITIGATION SERVICES","doc_count":1}]}},"state":{"doc_count":15,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"MI","doc_count":14},{"key":"SC","doc_count":1}]}},"company_public_response":{"doc_count":15,"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":5},{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":2}]}},"tags":{"doc_count":15,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_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":{}}}