{"took":129,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":17,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3263344","_score":26.305128,"_source":{"product":"Student loan","complaint_what_happened":"My ex husband from a divorce 19 years ago, named XXXX XXXX XXXX, now deceased, has had obvious credit fraud against his social security number. \nToday a declined XXXX department store credit letter came to my address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX, in his name. Also, other harassing threatening calls from XXXX, stating I have a legal matter in the judicial district and they know what my license plate number is and my make and model of my vehicle. I believe this is happening because i reported discrepancies with the college loan lender servicing company : Performant Recovery Inc. located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. It is my belief this company is using a retaliation tactic to cause harassment against me, now by using my DECEASED, ex husbands social security number to create more credit fraud. \nPlease investigate this company, who had my ex husbands social security number, on loan documents from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX. I had requested the loan be removed from collections with Performant  due to the death of the primary signer on XXXX Student loans that I co signed XXXX. XXXX death certificate was filed on XX/XX/2016, in XXXX County, Colorado, # XXXX. I am trying to get the credit bureaus to freeze his social security number, however, i have to send them all the death certificate and a form in the mail, they will not do this over the phone. \nPlease investigate the tactics of these companies and the use of the client information systems.","date_sent_to_company":"2019-06-10T12:24:50.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"80111","tags":null,"has_narrative":true,"complaint_id":"3263344","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Performant Financial Corporation","date_received":"2019-06-04T02:26:36.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Need information about your loan balance or loan terms"},"highlight":{"complaint_what_happened":["My ex husband from a divorce 19 years ago, named XXXX XXXX XXXX, now deceased, has had obvious credit fraud against his social <em>security</em> number. \nToday a declined XXXX department store credit letter came to my address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX, in his name. Also, other harassing threatening calls from XXXX, stating I have a legal matter in the judicial district and they know what my <em>license</em> <em>plate</em> number is and my <em>make</em> and <em>model</em> of my <em>vehicle</em>."]},"sort":[26.305128,"3263344"]},{"_index":"complaint-public-v1","_id":"6187082","_score":24.201393,"_source":{"product":"Debt collection","complaint_what_happened":"I received XXXX calls from XXXX in regard to a debt that I do not own them. They also called my ex-wife and sent her a text message and sent her a text message with the last XXXX of my social security number and my vehicle make and model and license plate number and threatened a judgment against me and garnishment and sent a text message to my mother after I told them to cease and desist. I have sent them emails to cease and desist. This company They have contacted family members, and I request them to cease and desist from doing so. I've received multiple calls per day which is also illegal per the FDCPA that reads \" it prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. I have received no documentation of any debt owed to them. They are clearly violating my rights as a consumer and violating the FDCPA and the FCRA. Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regard to current consumer protection laws. Please note that I am not concerned with the verification of this debt. Send me the VALIDATION at once. In your validation response., provide me with the following : 1 A description of what the money you are alleging I owe you is for. 2. A detailed reconciliation of this account and how you have calculated the amount you claim I owe you. 3. An explanation of who the original creditor is and when this account was the last paid to the original creditor and an originating document with a wet signature 4. Send me prof that the statute of limitations on the account has not expired. 5. Include your license number ( all of them ). and your registered agent 's information. Immediately cease reporting of this account during this validation period in accordance with the law and make no further attempts to contact me regarding this account other than to notify me of your error by regular postal mail. If you do not have validation or your records indicate you are attempting to collect this debt in error, send me a response stating this immediately.","date_sent_to_company":"2022-11-10T21:39:51.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"I do not know","zip_code":"44313","tags":null,"has_narrative":true,"complaint_id":"6187082","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"AA Recovery Solutions, Inc.","date_received":"2022-11-10T21:36:23.000Z","state":"OH","company_public_response":null,"sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["They also called my ex-wife and sent her a text message and sent her a text message with the last XXXX of my social <em>security</em> number and my <em>vehicle</em> <em>make</em> and <em>model</em> and <em>license</em> <em>plate</em> number and threatened a judgment against me and garnishment and sent a text message to my mother after I told them to cease and desist. I have sent them emails to cease and desist. This company They have contacted family members, and I request them to cease and desist from doing so."]},"sort":[24.201393,"6187082"]},{"_index":"complaint-public-v1","_id":"5954185","_score":19.270489,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Acct # XXXX ( WELLS FARGO DEALER ) Re : Acct # XXXX ( WELLS FARGO BANK ) Make of car : XXXX XXXX  color : XXXX  Model : XXXX  # XXXX I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately. \nThe Account above need to be deleted. \nThe reporting of that account is in violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \n\nThis makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \nI am writing in regard to the above-referenced account/s and transactions. This vehicle was purchased at ( XXXX XXXX XXXX XXXX ) on XX/XX/2021. \nI have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. \n( b ) OPT OUT ( 1 ) XXXX XXXX financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) ( C ) XXXX XXXX XXXX XXXX did not disclose this information to me that is required by federal law. \nXXXX XXXX XXXX XXXX knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. \nXXXX XXXX XXXX XXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \nthe consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \nYou are in violations of several federal law you have 10 calendar days from the receipt of this letter to RELEASE THE VEHICLE TITLE and delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. \n\n15 U.S. Code 1635 B - Right of rescission as to certain transactions b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court. \n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION ( XXXX ) on the basis of XXXX, XXXX, XXXX, national origin, XXXX or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. \n\nBest Regards consumer agent XXXX XXXX XXXX","date_sent_to_company":"2022-09-06T18:39:21.000Z","issue":"Vehicle was repossessed or sold the vehicle","sub_product":"Title loan","zip_code":"33063","tags":null,"has_narrative":true,"complaint_id":"5954185","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2022-09-06T18:20:09.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["This <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> <em>plate</em> credit cards that are/were used for the extension of credit. \nI am writing in regard to the above-referenced account/s and transactions. This <em>vehicle</em> was purchased at ( XXXX XXXX XXXX XXXX ) on XX/XX/2021."],"issue":["<em>Vehicle</em> was repossessed or sold the <em>vehicle</em>"]},"sort":[19.270489,"5954185"]},{"_index":"complaint-public-v1","_id":"10552651","_score":19.103363,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Acct # XXXX Re : Acct # XXXX Make of car : XXXX Model : XXXX  VIN # XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately. \nList of accounts to be deleted The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \nThis makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \n\n\nI am writing in regard to the above-referenced account/s and transactions. This vehicle was purchased at XXXX XXXX XXXX in XX/XX/year>. \n\nI have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. \n( b ) Opt out ( XXXX ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n\nXXXX XXXX of XXXX did not disclose this information to me that is required by federal law. \nXXXX XXXX of XXXX knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. \nXXXX XXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \n\nYou are in violations of several federal laws you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. \n\nShould you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision. \n15 USC 1691 a ( 3 ) ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. \n\n\nBest Regards XXXX XXXX","date_sent_to_company":"2024-10-23T13:20:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"27703","tags":"Servicemember","has_narrative":true,"complaint_id":"10552651","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-10-23T13:10:15.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, <em>plate</em>, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \nThis <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> <em>plate</em> credit cards that are/were used for the extension of credit. \n\n\nI am writing in regard to the above-referenced account/s and transactions."]},"sort":[19.103363,"10552651"]},{"_index":"complaint-public-v1","_id":"6200044","_score":18.450718,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Re : ACCOUNT # XXXX ( XXXX XXXX XXXX ) Make of car : XXXX Model : XXXX XXXXXXXX. I demand the below accounts deleted from my consumer report immediately. \nACCOUNT # XXXX ( XXXX XXXX XXXX ) The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.\n\nThis makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above-referenced account/s and transactions. The vehicle purchased at XXXX XXXX XXXX and financed though XXXX XXXX XXXX. \n\nI have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. \n( b ) OPT OUT ( XXXX ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n\n( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) did not disclose this information to me that is required by federal law. \n( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. \n( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \n\nYou are in violations of several federal law you have XXXX calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. \n\nShould you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision. \nXXXX5 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. \n\nCC : CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : FEDERAL TRADE COMMISSION ( FTC ) XXXX XXXX XXXX, XXXX","date_sent_to_company":"2022-11-15T02:58:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"34974","tags":null,"has_narrative":true,"complaint_id":"6200044","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-11-15T02:58:29.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, <em>plate</em>, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.\n\nThis <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> <em>plate</em> credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above-referenced account/s and transactions."]},"sort":[18.450718,"6200044"]},{"_index":"complaint-public-v1","_id":"8570282","_score":18.443209,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Make of car : XXXX Model : XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately. \n\nList of accounts to be deleted XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \n\nThis makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \nI am writing in regard to the above-referenced account/s and transactions. This vehicle was purchased at XXXX XXXX XXXX I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. \n( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n( XXXX XXXX XXXX XXXX did not disclose this information to me that is required by federal law. \n( XXXX XXXX XXXX ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. \n\n( XXXX XXXX XXXX ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \nYou are in violations of several federal law you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision.\n\n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. \n\nBest Regards XXXX XXXX","date_sent_to_company":"2024-03-19T02:52:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30024","tags":"Servicemember","has_narrative":true,"complaint_id":"8570282","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-03-19T02:52:33.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, <em>plate</em>, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \n\nThis <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> <em>plate</em> credit cards that are/were used for the extension of credit. \nI am writing in regard to the above-referenced account/s and transactions."]},"sort":[18.443209,"8570282"]},{"_index":"complaint-public-v1","_id":"8570112","_score":18.443209,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Make of car : XXXX Model : XXXX  XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately. \n\nList of accounts to be deleted GM FINANCIAL The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \n\nThis makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \nI am writing in regard to the above-referenced account/s and transactions. This vehicle was purchased at XXXX XXXX XXXX I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. \n( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n( XXXX XXXX XXXX XXXX did not disclose this information to me that is required by federal law. \n( XXXX XXXX XXXX ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. \n\n( XXXX XXXX XXXX ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \nYou are in violations of several federal law you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision. \n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, XXXX or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. \n\nBest Regards XXXX XXXX","date_sent_to_company":"2024-03-19T02:52:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30024","tags":"Servicemember","has_narrative":true,"complaint_id":"8570112","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2024-03-19T02:31:41.000Z","state":"GA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, <em>plate</em>, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \n\nThis <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> <em>plate</em> credit cards that are/were used for the extension of credit. \nI am writing in regard to the above-referenced account/s and transactions."]},"sort":[18.443209,"8570112"]},{"_index":"complaint-public-v1","_id":"8570261","_score":18.41088,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Make of car : XXXX Model : XXXX  XXXX To Whom It XXXX Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately. \n\nList of accounts to be deleted XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \n\nThis makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \nI am writing in regard to the above-referenced account/s and transactions. This vehicle was purchased at XXXX XXXX XXXX I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n( XXXX XXXX XXXX XXXX did not disclose this information to me that is required by federal law. \n( XXXX XXXX XXXX ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. \n\n( XXXX XXXX XXXX ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \nYou are in violations of several federal law you have XXXX calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision. \n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. \n\nBest Regards XXXX XXXX","date_sent_to_company":"2024-03-19T02:52:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30024","tags":"Servicemember","has_narrative":true,"complaint_id":"8570261","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-19T02:52:33.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, <em>plate</em>, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \n\nThis <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> <em>plate</em> credit cards that are/were used for the extension of credit. \nI am writing in regard to the above-referenced account/s and transactions."]},"sort":[18.41088,"8570261"]},{"_index":"complaint-public-v1","_id":"8570187","_score":18.36173,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Make of car : XXXX Model : XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately. \n\nList of accounts to be deleted XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.\n\nThis makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \nI am writing in regard to the above-referenced account/s and transactions. This vehicle was purchased at XXXX XXXX XXXX I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n( XXXX XXXX XXXX XXXX did not disclose this information to me that is required by federal law. \n( XXXX XXXX XXXX ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. \n\n( XXXX XXXX XXXX ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \nYou are in violations of several federal law you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision.\n\n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. \n\nBest Regards XXXX XXXX","date_sent_to_company":"2024-03-19T02:52:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30024","tags":"Servicemember","has_narrative":true,"complaint_id":"8570187","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-03-19T02:52:33.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, <em>plate</em>, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.\n\nThis <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> <em>plate</em> credit cards that are/were used for the extension of credit. \nI am writing in regard to the above-referenced account/s and transactions."]},"sort":[18.36173,"8570187"]},{"_index":"complaint-public-v1","_id":"6220382","_score":16.541569,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"CERTIFIED PRIORITY MAIL Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Acct # XXXX ( XXXX XXXX XXXX ) Make of car : XXXX Model : XXXXXXXX XXXX  To Whom It May Concern : I am in receipt of your correspondence dated XXXX, XXXX XXXX. I hereby contest to the validity of all your claims. I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately. \nXXXX XXXX XXXX Account # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer credit card or similar device ; of a So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \n\nThis makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above-referenced account/s and transactions. The vehicle purchased at XXXXXXXX XXXX XXXXXXXX XXXX and financed though XXXX XXXX XXXX. \n\nI have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. \n( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n\n( XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ) did not disclose this information to me that is required by federal law. \n( XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. \n( XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \n\nYou are in violations of several federal law you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on.\n\nShould you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision. \n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. \nCC : CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) CC : THE XXXX XXXX XXXX ( XXXX ) CC : FEDERAL TRADE COMMISSION ( FTC ) Very truly yours, XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2022-11-18T17:43:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"34974","tags":null,"has_narrative":true,"complaint_id":"6220382","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-11-18T17:38:48.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, <em>plate</em>, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \n\nThis <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> <em>plate</em> credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above-referenced account/s and transactions."]},"sort":[16.541569,"6220382"]},{"_index":"complaint-public-v1","_id":"6538917","_score":11.534857,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Before I actually get into my complaint letter that I will upload to you I have to say a few extra details about my dealings with this company. First of all they repossessed my car AFTER I had already made an arrangement to pay my car note as I had moved and got a new job. I was forced to pay them XXXX dollars upfront to get my car out of the repossession status and my car note is actually {$520.00} a month. In addition to paying the XXXX XXXX XXXXXXXX to locate my car at a local pound as well as actually paying the pound. I missed 2 days of work trying to get my car back because the pound stated that they did not open until after XXXX and then to find out that I had to pay XXXX first to get the car released wait 24 hours and then go back to the pound where my car was with a slip stating I had made said payment. As time went on I made the payments and I did have to make partial payments at time but with all the money I had to pay in that situation alone I always stayed behind. Moving forward to this past evening of XXXX XXXX XXXX I currently live in XXXX, XXXX and they sent someone to my home without any notice to repossess my car yet again. I had to sit in my car and explain my rights to an aggressive man trying to take my car and in the end I had to pay him {$100.00} cash for him to put my car down even after showing him I had just made a XXXX dollar payment while sitting in my car. The man stated that he had to talk directly with the company to get a confirmation number even though I had it available to him on my phone in my hand! He also was blocking the driveway off from my neighbors causing more public embarrassment as people where trying to come home or leave for work! He said he would not move his truck until I got out of my car. Meanwhile I called XXXX XXXX 5 times on speaker phone selecting different options for them all to say that they were closed! How can you send someone to repossess a car and require them to call for payment but no one is available to verify? So if I didn't know my rights I would have made a payment and had my car taken on the same night all for me to go through what I did before when my car should not have been up for repossession anyways. My payments have been on autopay at {$150.00} a week since XXXX and now all of a sudden it is not on autopay. Furthermore I looked at the agreement and they made me pay a XXXX dollar down payment and also pay XXXX for a warranty I knew nothing about in addition to the actual cost of my car being {$19000.00} but the finance charge is {$15000.00} at 22.99 % XXXX!! This is very unfair practices now I will let my letter to XXXX, CFPB and the AG explain how this has affected my life and my family 's life XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. \nXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : ACCOUNT # XXXX ( XXXX XXXX XXXX ) RE : ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX XXXX ) Make Of Car : XXXX Model : XXXX XXXX # : XXXX To Whom It May Concern : I recently obtained a copy of my credit report, due to me trying to obtain business capital for my business. I noticed some accounts on my consumer report that should not be there. I demand the below accounts be deleted from my consumer report immediately. The amounts reported are inaccurate and inaccurate to the agreement notice. Also this company has changed payment dates and amounts 3 times over 2 years. In the agreement the warranty that was not signed by me charged me illegally as well as the down payment being illegal and charged a finance charge that is almost equal to the value of the car which WAS at the time of purchase {$19000.00} and the finance charge which also was not disclosed at the time of purchase {$15.00}, XXXX ( 22.99 % APR ). Insurance was not included with this finance charge either I also pay {$360.00} a month for car insurance. They did not disclose to me my rights and I did not sign all of these things that have an electronic signature on them. \n\nACCOUNT # XXXX ( XXXX XXXX XXXX ) ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX XXXX ) The reporting of these accounts are violations o\n\nf 15 USC 1681a, The Fair Credit Reporting Act. [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So, let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card\nis defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above- referenced accounts and transactions. This vehicle was purchased at XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX \n\nI have also been informed from the Federal Trade Commission ( FTC ) more specifically the Gramm-Leach-Bliley Act 15 USC 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. \n( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option. \nXXXX XXXX XXXX XXXX XXXX did not disclose this information to me that is required by federal law. XXXX XXXX XXXX XXXX XXXX. Knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unafilliated third parties. XXXX XXXX XXXX XXXX XXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \nYou are in violations of several federal laws. You have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my consumer reports that this information is on. \nShould you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter. I will come after you for damages and I will use the contents of this correspondence as proof of such decision. \n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- ( 1 ) On the basis of race, color, religion, national origin, sex or marital status., or age ( provided the applicant has the capacity to contract ) ; ( 2 ) Because all or part of the applicants income derives from any public assistance program ; or ( 3 ) Because the applicant has in good faith exercised any right under this chapter. \n\nBest Regards, XXXX XXXX XXXX","date_sent_to_company":"2023-02-06T07:42:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28213","tags":null,"has_narrative":true,"complaint_id":"6538917","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-02-06T07:42:22.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Under the Truth in Lending Act 15 USC 1602 ( g ), credit card\nis defined as the following : The term credit card means any card, <em>plate</em>, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> <em>plate</em> credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above- referenced accounts and transactions."]},"sort":[11.534857,"6538917"]},{"_index":"complaint-public-v1","_id":"6538915","_score":11.534857,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Before I actually get into my complaint letter that I will upload to you I have to say a few extra details about my dealings with this company. First of all they repossessed my car AFTER I had already made an arrangement to pay my car note as I had moved and got a new job. I was forced to pay them XXXX dollars upfront to get my car out of the repossession status and my car note is actually {$520.00} a month. In addition to paying the XXXX XXXX XXXXXXXX to locate my car at a local pound as well as actually paying the pound. I missed 2 days of work trying to get my car back because the pound stated that they did not open until after XXXX and then to find out that I had to pay XXXX  first to get the car released wait 24 hours and then go back to the pound where my car was with a slip stating I had made said payment. As time went on I made the payments and I did have to make partial payments at time but with all the money I had to pay in that situation alone I always stayed behind. Moving forward to this past evening of XXXX XXXX XXXX I currently live in XXXX, XXXX  and they sent someone to my home without any notice to repossess my car yet again. I had to sit in my car and explain my rights to an aggressive man trying to take my car and in the end I had to pay him {$100.00} cash for him to put my car down even after showing him I had just made a XXXX dollar payment while sitting in my car. The man stated that he had to talk directly with the company to get a confirmation number even though I had it available to him on my phone in my hand! He also was blocking the driveway off from my neighbors causing more public embarrassment as people where trying to come home or leave for work! He said he would not move his truck until I got out of my car. Meanwhile I called XXXX XXXX 5 times on speaker phone selecting different options for them all to say that they were closed! How can you send someone to repossess a car and require them to call for payment but no one is available to verify? So if I didn't know my rights I would have made a payment and had my car taken on the same night all for me to go through what I did before when my car should not have been up for repossession anyways. My payments have been on autopay at {$150.00} a week since XXXX and now all of a sudden it is not on autopay. Furthermore I looked at the agreement and they made me pay a XXXX dollar down payment and also pay XXXX for a warranty I knew nothing about in addition to the actual cost of my car being {$19000.00} but the finance charge is {$15000.00} at 22.99 % APR!! This is very unfair practices now I will let my letter to XXXX, CFPB and the XXXX explain how this has affected my life and my family 's life XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : ACCOUNT # XXXX ( XXXX XXXX XXXX ) RE : ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX XXXX ) Make Of Car : XXXX Model : XXXX XXXX # : XXXX To Whom It May Concern : I recently obtained a copy of my credit report, due to me trying to obtain business capital for my business. I noticed some accounts on my consumer report that should not be there. I demand the below accounts be deleted from my consumer report immediately. The amounts reported are inaccurate and inaccurate to the agreement notice. Also this company has changed payment dates and amounts 3 times over 2 years. In the agreement the warranty that was not signed by me charged me illegally as well as the down payment being illegal and charged a finance charge that is almost equal to the value of the car which WAS at the time of purchase {$19000.00} and the finance charge which also was not disclosed at the time of purchase {$15.00}, XXXX ( 22.99 % APR ). Insurance was not included with this finance charge either I also pay {$360.00} a month for car insurance. They did not disclose to me my rights and I did not sign all of these things that have an electronic signature on them. \n\nACCOUNT # XXXX ( XXXX XXXX XXXX ) ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX XXXX ) The reporting of these accounts are violations of 15 USC 1681a, The Fair Credit Reporting Act.\n\n[ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So, let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above- referenced accounts and transactions. This vehicle was purchased at XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX \n\nI have also been informed from the Federal Trade Commission ( FTC ) more specifically the Gramm-Leach-Bliley Act 15 USC 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. \n( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option. \nXXXX XXXX XXXX XXXX XXXX did not disclose this information to me that is required by federal law. XXXX XXXX XXXX XXXX XXXX. Knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unafilliated third parties. XXXX XXXX XXXX XXXX XXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \nYou are in violations of several federal laws. You have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my consumer reports that this information is on. \nShould you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter. I will come after you for damages and I will use the contents of this correspondence as proof of such decision. \n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- ( 1 ) On the basis of race, color, religion, national origin, XXXX or marital status., or age ( provided the applicant has the capacity to contract ) ; ( 2 ) Because all or part of the applicants income derives from any public assistance program ; or ( 3 ) Because the applicant has in good faith exercised any right under this chapter. \n\nBest Regards, XXXX XXXX XXXX","date_sent_to_company":"2023-02-06T07:42:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28213","tags":null,"has_narrative":true,"complaint_id":"6538915","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-02-06T07:42:22.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, <em>plate</em>, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> <em>plate</em> credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above- referenced accounts and transactions."]},"sort":[11.534857,"6538915"]},{"_index":"complaint-public-v1","_id":"6538026","_score":11.525404,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Before I actually get into my complaint letter that I will upload to you I have to say a few extra details about my dealings with this company. First of all they repossessed my car AFTER I had already made an arrangement to pay my car note as I had moved and got a new job. I was forced to pay them XXXX dollars upfront to get my car out of the repossession status and my car note is actually {$520.00} a month. In addition to paying the city of XXXX to locate my car at a local pound as well as actually paying the pound. I missed 2 days of work trying to get my car back because the pound stated that they did not open until after XXXX and then to find out that I had to pay XXXX first to get the car released wait 24 hours and then go back to the pound where my car was with a slip stating I had made said payment. As time went on I made the payments and I did have to make partial payments at time but with all the money I had to pay in that situation alone I always stayed behind. Moving forward to this past evening of XXXX XXXX, XXXX I currently live in XXXXXXXX NC and they sent someone to my home without any notice to repossess my car yet again. I had to sit in my car and explain my rights to an aggressive man trying to take my car and in the end I had to pay him {$100.00} cash for him to put my car down even after showing him I had just made a XXXX dollar payment while sitting in my car. The man stated that he had to talk directly with the company to get a confirmation number even though I had it available to him on my phone in my hand! He also was blocking the driveway off from my neighbors causing more public embarrassment as people where trying to come home or leave for work! He said he would not move his truck until I got out of my car. Meanwhile I called XXXX XXXX 5 times on speaker phone selecting different options for them all to say that they were closed! How can you send someone to repossess a car and require them to call for payment but no one is available to verify? So if I didn't know my rights I would have made a payment and had my car taken on the same night all for me to go through what I did before when my car should not have been up for repossession anyways. My payments have been on autopay at {$150.00} a week since XXXX and now all of a sudden it is not on autopay. Furthermore I looked at the agreement and they made me pay a XXXX dollar down payment and also pay XXXX for a warranty I knew nothing about in addition to the actual cost of my car being {$19000.00} but the finance charge is {$15000.00} at 22.99 % APR!! This is very unfair practices now I will let my letter to XXXX, CFPB and the AG explain how this has affected my life and my family 's life XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX Credit Acceptance Corporation XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : ACCOUNT # XXXX ( Credit Acceptance Corporation ) RE : ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX XXXX ) Make Of Car : XXXX Model : XXXX XXXX # : XXXX To Whom It May Concern : I recently obtained a copy of my credit report, due to me trying to obtain business capital for my business. I noticed some accounts on my consumer report that should not be there. I demand the below accounts be deleted from my consumer report immediately. The amounts reported are inaccurate and inaccurate to the agreement notice. Also this company has changed payment dates and amounts 3 times over 2 years. In the agreement the warranty that was not signed by me charged me illegally as well as the down payment being illegal and charged a finance charge that is almost equal to the value of the car which WAS at the time of purchase {$19000.00} and the finance charge which also was not disclosed at the time of purchase {$15.00}, XXXX ( 22.99 % APR ). Insurance was not included with this finance charge either I also pay {$360.00} a month for car insurance. They did not disclose to me my rights and I did not sign all of these things that have an electronic signature on them. \n\nACCOUNT # XXXX ( Credit Acceptance Corporation ) ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX XXXX ) The reporting of these accounts are violations of 15 USC 1681a, The Fair Credit Reporting Act.\n\n[ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So, let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.\n\nI am writing in regard to the above- referenced accounts and transactions. This vehicle was purchased at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. \n\nI have also been informed from the Federal Trade Commission ( FTC ) more specifically the Gramm-Leach-Bliley Act 15 USC 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. \n( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option. \nXXXX XXXX XXXX XXXX XXXX did not disclose this information to me that is required by federal law. XXXX XXXX XXXX XXXX XXXX. Knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unafilliated third parties. XXXX XXXX XXXX XXXX XXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \nYou are in violations of several federal laws. You have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my consumer reports that this information is on.\n\nShould you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter. I will come after you for damages and I will use the contents of this correspondence as proof of such decision.\n\n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- ( 1 ) On the basis of race, color, religion, national origin, sex or marital status., or age ( provided the applicant has the capacity to contract ) ; ( 2 ) Because all or part of the applicants income derives from any public assistance program ; or ( 3 ) Because the applicant has in good faith exercised any right under this chapter. \n\nBest Regards, XXXX XXXX XXXX","date_sent_to_company":"2023-02-06T07:42:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28213","tags":null,"has_narrative":true,"complaint_id":"6538026","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2023-02-06T07:35:47.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, <em>plate</em>, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> <em>plate</em> credit cards that are/were used for the extension of credit.\n\nI am writing in regard to the above- referenced accounts and transactions."]},"sort":[11.525404,"6538026"]},{"_index":"complaint-public-v1","_id":"6538914","_score":11.470819,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Before I actually get into my complaint letter that I will upload to you I have to say a few extra details about my dealings with this company. First of all they repossessed my car AFTER I had already made an arrangement to pay my car note as I had moved and got a new job. I was forced to pay them XXXX dollars upfront to get my car out of the repossession status and my car note is actually {$520.00} a month. In addition to paying the XXXX XXXX XXXXXXXX to locate my car at a local pound as well as actually paying the pound. I missed 2 days of work trying to get my car back because the pound stated that they did not open until after XXXX and then to find out that I had to pay XXXX first to get the car released wait 24 hours and then go back to the pound where my car was with a slip stating I had made said payment. As time went on I made the payments and I did have to make partial payments at time but with all the money I had to pay in that situation alone I always stayed behind. Moving forward to this past evening of XXXX XXXX XXXX  I currently live in XXXX, XXXX  and they sent someone to my home without any notice to repossess my car yet again. I had to sit in my car and explain my rights to an aggressive man trying to take my car and in the end I had to pay him {$100.00} cash for him to put my car down even after showing him I had just made a XXXX dollar payment while sitting in my car. The man stated that he had to talk directly with the company to get a confirmation number even though I had it available to him on my phone in my hand! He also was blocking the driveway off from my neighbors causing more public embarrassment as people where trying to come home or leave for work! He said he would not move his truck until I got out of my car. Meanwhile I called XXXX XXXX 5 times on speaker phone selecting different options for them all to say that they were closed! How can you send someone to repossess a car and require them to call for payment but no one is available to verify? So if I didn't know my rights I would have made a payment and had my car taken on the same night all for me to go through what I did before when my car should not have been up for repossession anyways. My payments have been on autopay at {$150.00} a week since XXXX and now all of a sudden it is not on autopay. Furthermore I looked at the agreement and they made me pay a XXXX dollar down payment and also pay XXXX for a warranty I knew nothing about in addition to the actual cost of my car being {$19000.00} but the finance charge is {$15000.00} at 22.99 % XXXX!! This is very unfair practices now I will let my letter to XXXX, CFPB and the AG explain how this has affected my life and my family 's life XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. \nXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : ACCOUNT # XXXX ( XXXX XXXX XXXX ) RE : ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX XXXX ) Make Of Car : XXXX Model : XXXX XXXX # : XXXX To Whom It May Concern : I recently obtained a copy of my credit report, due to me trying to obtain business capital for my business. I noticed some accounts on my consumer report that should not be there. I demand the below accounts be deleted from my consumer report immediately. The amounts reported are inaccurate and inaccurate to the agreement notice. Also this company has changed payment dates and amounts 3 times over 2 years. In the agreement the warranty that was not signed by me charged me illegally as well as the down payment being illegal and charged a finance charge that is almost equal to the value of the car which WAS at the time of purchase {$19000.00} and the finance charge which also was not disclosed at the time of purchase {$15.00}, XXXX ( 22.99 % APR ). Insurance was not included with this finance charge either I also pay {$360.00} a month for car insurance. They did not disclose to me my rights and I did not sign all of these things that have an electronic signature on them. \n\nACCOUNT # XXXX ( XXXX XXXX XXXX ) ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX XXXX ) The reporting of these accounts are violations of 15 USC 1681a, The Fair Credit Reporting Act. \n\n[ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So, let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above- referenced accounts and transactions. This vehicle was purchased at XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX \n\nI have also been informed from the Federal Trade Commission ( FTC ) more specifically the Gramm-Leach-Bliley Act 15 USC 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. \n( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option. \nXXXX XXXX XXXX XXXX XXXX did not disclose this information to me that is required by federal law. XXXX XXXX XXXX XXXX XXXX. Knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unafilliated third parties. XXXX XXXX XXXX XXXX XXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \nYou are in violations of several federal laws. You have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my consumer reports that this information is on. \nShould you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter. I will come after you for damages and I will use the contents of this correspondence as proof of such decision. \n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- ( 1 ) On the basis of race, color, religion, national origin, sex or marital status., or age ( provided the applicant has the capacity to contract ) ; ( 2 ) Because all or part of the applicants income derives from any public assistance program ; or ( 3 ) Because the applicant has in good faith exercised any right under this chapter. \n\nBest Regards, XXXX XXXX XXXX","date_sent_to_company":"2023-02-06T07:42:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28213","tags":null,"has_narrative":true,"complaint_id":"6538914","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-02-06T07:42:22.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, <em>plate</em>, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> <em>plate</em> credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above- referenced accounts and transactions."]},"sort":[11.470819,"6538914"]},{"_index":"complaint-public-v1","_id":"7117620","_score":10.214971,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/XXXX I was pre-approved for {$52000.00} with XXXX XXXX XXXX XXXX. On XX/XX/XXXX I found a car for sale that meet my monthly payment criteria with all the desired add-ons. Using the XXXX XXXX XXXX portal I reached out the dealership XXXXXXXX XXXX XXXX XXXX XXXX  to confirm availability and schedule a test drive. That day I went up to the dealership to finalize the consumer sale transaction. \nI was violated by XXXX XXXX XXXX of XXXX XXXX. On XX/XX/XXXX I was in need of a vehicle and decided to go with XXXX XXXX XXXX. Using their auto locator website I found a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXXXXXX XXXX. Agreed upon price {$19000.00}. Or so I was mislead to believe that was the agreed purchase price for everything we ( the Sales Associate XXXX XXXX and I ) had discussed and went back forth about, had agreed to. Until his Sales manager came into the transaction. \n\nMy application for an auto loan with XXXX XXXX was pre approved. When I presented my pre-approval information the XXXX XXXX XXXX asked me for my ID and to complete a one page piece of paper, he stated was in order to bring up my pre-approval information. This was false and misleading information pertaining what was need to access my pre-approval as my pre-approval letter states to simply provide them this letter with my confirmation information on it and the dealership will call XXXX XXXX once I have selected a vehicle. He later asked me to email him this letter to XXXX. He also stated several times during my time at the dealership all vehicle at XXXX XXXX XXXX come with Paint and interior protection. This provides peace of mind when it comes to damages outside or inside all of our vehicles, he stated this four times. Twice outside prior to me agreeing to a test drive. Again when I returned from the test drive and we were going back into the office building. Then once again while sitting at his desk while I was waiting for the Sales Manager to bring the terms of my XXXX XXXX XXXX approval. \n\nThe Sales Manager violated me and my consumer rights during this consumer transaction several times. He informed me of false and misleading information pertaining to the requirements in order to complete the purchase of the vehicle using my preapproval. The Sales Manager stated that in order to move forward with my pre-approval with XXXX the bank required me to put a down payment of {$8000.00} on a Purchase price of {$19000.00} and that my interest rate would be 18.5 %. Pursuant to 15 USC 1662b it is illegal to require a down payment in conjunction with an extension of consumer credit. It is a fact that I was told that the cash down payment was the only way I could move forward with using my pre-approval finance I already obtain prior to arriving in their office. When I asked for a copy of these terms in writing, I was refused a copy. The manager then proceeded to inform me of other financing options and terms. After leaving the dealership I was able to go through my emails and my credit monitoring alerts informed me that my credit had been ran numerous times during my time at the dealership on XXXX XXXX XXXX PST. So now I have hard inquiries on my report when the XXXX XXXX and XXXX XXXX XXXX were the only two with my personal information. Per the congressional findings of Truth In Lending Act, The purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to them and avoid the uninformed use of credit. The Sales Manager stole my identity to offer other financing options that did not benefit me, was not requested by me, nor authorized. None were within the payment range I stated several times my budget could allow for. The Sales Manager then informed me I was required to purchase extended warranties to be approved for financing options that would be closer to my price point. This information left me to be convinced a that my only option was to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that I didn't need ( had pre-approval ), didn't want ( I stated several times I did not want any extras ) or can't afford ( I stated my budget and the max I could afford, which is why I wanted to see my terms from my approval with XXXX XXXX  it was well within my price range prior to me arriving in this office ). I am still receiving denial of credit letters for auto loan credit extension to this day steaming from this identity theft. \n\nWhen I asked for a copy of my consumer transaction file, I was told that I would get a copy of my signed contract and all documents withing 2-3 days via email. After 10 days I had to go back to the dealership to obtain a copy of my signed documents. When I arrive the Sales manager stated that they did not have my email, which is absolutely false. As I emailed them my proof of insurance, which they required of me before I was able to complete the transaction. Also emailed them a copy of my XXXX pre-approval letter to facilitate the completion of my pre-approval application. \n\nOnce I had a copy of my consumer transaction paperwork, I was able to look further into the documents. I have found so many inaccuracies regarding the information example the credit application that has a signature, not mine as I do not sign with ANY letters directly on top of each other, I also do not use the leading 0 when writing the day for dates ( compare my signature on other the pages ) that I did not fill, submit, nor sign at the time of sale. \n\nI was never given a full breakdown of what was included in the finance charge in either contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. Any fraud vitiates the entire financial transaction. Finance charge is on money given to you, not credit transactions Agreement has finance charges by the finance company in this case XXXX XXXX XXXX, committed predatory lending in a consumer credit transaction under Regulation Z. Pursuant to15 USC 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. I did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIALLY. I do not accept the liability of any compelled benefit or lack thereof, or any unrevealed contact or commercial agreement. I have a right to sue you under the Common Law for violating my rights under the UCC. I did not sign any contract where I received COMPLETE DISCLOSURE AND EQUAL CONSIDERATION. If I did, it was UNKNOWINGLY, INVOLUNTARIY AND UNINTENTIONAL. How is it possible to be in agreement/contract with three entities regarding the same vehicle? Proof will be provided. CONSUMER PROTECTION LAWS Equal Credit Opportunity Act / Truth in Lending Act Regulation Z Fair Credit Reporting Act / 15 USC 1611 - False & Inaccurate information Fair Debt Collections Practice Act / 15 USC 1692 - Debt collection practices CFPB 1026.23 Right of Rescission ( cancellation ) TD Auto very first correspondence was an attempt to collect a debt and no disclosures were provided. \n\nXXXX It is a fact that once there is a dispute of any billing error, a creditor can not report any information to a 3rd party until the dispute has been resolved, pursuant to 15 USC 1666a. It is a fact that it was never disclosed that all service fees were to be included with the finance charge as noted per 15 USC 1605. It is my understanding that any and all services that may be needed for the life of this vehicle will be covered by your company and that I would only be responsible for the cost of parts. It is a fact that pursuant to 15 USC 1692c, I am providing notice that I refuse to pay any debt and as the original creditor ( since I created the debt ) I intend to invoke a specified remedy. It is a fact that disclosure of my rights to rescind the consumer credit transaction or the documents required for me to rescind the transaction was never provided to me as required pursuant to 15 USC 1635. Under 15 USC 1635, I am exercising my right to rescind the consumer credit transaction, which would include any power of attorney. Since the vehicle has depreciated in value it is not equitable for me to return the vehicle. Within 20 days of receiving this notice, you will return all payments made in relation to this contract as well as take all required action to reflect the termination of your security interest that was created by this consumer credit transaction. \n\nOn XX/XX/XXXX I mailed the following letter to both XXXX XXXX XXXX and TD Auto Finance via certified mail. TD Auto received this letter on XX/XX/XXXX at XXXX  ( Tracking number XXXX ). XXXX  received this letter XXXX XXXX XXXX XXXX Tracking number XXXX ). As of XX/XX/XXXX I have received a letter from XXXX which does not address what my letter has requested. TD Auto has still not responded, validated the debt, update my consumer report to reflect that this account is disputed and has violated FDCPA Section 805 ( a ) ( 3 ) and FDCA Section 1006.6 ( b ) ( 3 ) laws by continuing to attempt to collect on this fraudulent debt. Also contacting me at work even after I notified them, several times. \n\n\n\nXXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XX/XX/XXXX TD AUTO FINANACE XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Acct # XXXX TD AUTO FINANACE Re : Acct # XXXX Make of car : XXXX Model : XXXX XXXX # XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report immediately. \nTD Auto Fin XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \nThis makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \n\n\nI am writing in regard to the above-referenced account and transactions. This vehicle was purchased at XXXX on XX/XX/XXXX. \n\nI have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 USC 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) OPT OUT ( 1 ) IN GENERAL financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n\nXXXX did not disclose this information to me that is required by federal law. \nXXXX knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. \nXXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. \n\nYou are in violations of several federal laws you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. \n\nShould you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision. \n15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( XXXX ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( XXXX ) because the applicant has in good faith exercised any right under this chapter. \n\n\n\nBest Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XX/XX/XXXX TD AUTO FINANACE XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX of a Debt Request Pursuant to 15 USC 1692g.\n\nBE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. \nThis is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.\n\nAt this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark ( s ) is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).\n\nIf your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated. \nIf your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. \n\nSincerely, XXXX XXXX The Following information is required. Please fill out the form below in its entirety. \nXXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? ____ No ____Yes XXXX. Amount Paid if debt was purchased : XXXX. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants TD AUTO FINANACE the authority to collect this alleged debt. \nSigned agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.\n\nAny agreement that bears the signature of Debtor, wherein agreed to pay Creditor.\n\nAll statements while this account was open. \nHave any insurance claims been made by any creditor regarding this account? \no Yes o No Have any Judgements been obtained by any creditor regarding this account? \no Yes o No Please provide me the name and address of the bonding agent for TD AUTO FINANACE, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within XXXX calendar days from the date of receipt of this letter. \nYour Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.\n\nPlease allow 30 calendar days for processing after I receive this information. \n\nThank You.","date_sent_to_company":"2023-06-14T20:06:52.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"92392","tags":"Servicemember","has_narrative":true,"complaint_id":"7117620","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2023-06-14T19:15:48.000Z","state":"CA","company_public_response":null,"sub_issue":"Fraudulent loan"},"highlight":{"complaint_what_happened":["Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, <em>plate</em>, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \nThis <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> <em>plate</em> credit cards that are/were used for the extension of credit. \n\n\nI am writing in regard to the above-referenced account and transactions."],"product":["<em>Vehicle</em> loan or lease"]},"sort":[10.214971,"7117620"]},{"_index":"complaint-public-v1","_id":"6967958","_score":9.226082,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Infiniti Financial Services XXXX XXXX XXXX XXXX, TN XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Acct # XXXX Make of car : XXXX Model : XXXX VIN # XXXX To Whom It XXXX Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report immediately. \nList of accounts to be deleted The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \n\nThis makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above-referenced account/s and transactions. This vehicle was purchased at ( dealership name ) Date ( the date it was purchased ). \n\nI have recently come across inform from the Federal Trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.\n\n( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( Auto dealership name ) did not disclose this information to me which is required by federal law.\n\n( Auto dealership name ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties.\n\n( Auto dealership name ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option.\n\nYou are in violation of several federal laws you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on.\n\nShould you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision.\n\n15 USC 1691 a ( 3 ) ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. \n\n\n\nBest Regards XXXX XXXX XXXX  XXXX NOTICE AND DEMAND TO VALIDATE DEBT CLAIM XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Infiniti Financial Services XXXX XXXX Way XXXX XXXX TN XXXX REF : Your correspondence purporting to allege a debt claimed by : Infiniti Financial Services XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Alleged Account # XXXX Alleged Balance {$450000.00} This is an offer to fully pay/discharge the attached claim of debt on the condition that the claiming parties comply with this notice within 30 days of receipt of this correspondence. \n\nNOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS *******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Administrative Declaratory Judgment, by Notarial Protest- and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq.\n\nThis notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt. \nThis notice is my, required by law, demand to cease and desist collection activities prior to validation of the purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : The name and address of the organization or other governmental unit alleging a debt ; The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; The name of the actual creditor even if that is me ; The origin of the funds used to create this alleged claim of a debt The actual records of the organization or other government unit show the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. \n\nThe actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of debt. \n\nThe actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.\n\nBe advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. The affidavit of the truth of the matter stated and the object of verification is to assure good faith in the averments or statements of party. \n\nThe actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States XXXX, Title 15 1601 et. seq. and Regulation Z. \n\nThe actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of debt and resulting in this alleged claim of debt.\n\nThe person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.\n\n15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.\n\nPursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.\n\nThis is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each and every attempted contact, in violation of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.\n\nFurther, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or another governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt. \n\nPlease take notice that this is a criminal investigation of the business practices of the above-named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your enclosed claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 471, 472, 473 and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal XXXX XXXX and XXXX XXXX ( RICO ), U.S.C. Title 18 1961 et. seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 Fictitious Names.\n\nTAKE NOTICE Debt Collectors failure in providing Respondent with the requisite verification, validating the above-referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : Debt Collector has no lawful, bona fide, verified claim, re the above-referenced alleged account : Debt Collector waives any and all claims against Respondent and Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any and all continued collection attempts, re the above-referenced alleged account.\n\nFailure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice is a self-executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type. \n\nThis response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See Eads v. Marks 249 P. 2d 257, 260. \n\nDone this _____Day of ______________ 2023 I declare under penalties of perjury in accordance with the laws of the United States of America ( without the United States ) Title 28 U.S.C. 1746 ( 1 ) the forgoing is true and correct and is admitted when not rebutted, so help me.\n\n______________________________","date_sent_to_company":"2023-05-12T13:21:48.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28227","tags":null,"has_narrative":true,"complaint_id":"6967958","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","date_received":"2023-05-12T13:16:19.000Z","state":"NC","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, <em>plate</em>, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. \n\nThis <em>makes</em> my social <em>security</em> card, drivers <em>license</em>/ID, and <em>license</em> <em>plate</em> credit cards that are/were used for the extension of credit. \n\nI am writing in regard to the above-referenced account/s and transactions."]},"sort":[9.226082,"6967958"]},{"_index":"complaint-public-v1","_id":"6453989","_score":5.7174597,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Date it occurred on XX/XX/XXXX CAPITAL ONE AUTO FINAN XXXX XXXX XXXX, TX XXXX I RESERVE MY RIGHTS UNDER UCC 1-308 ; THEESE COMPANIES ARE IN VIOLATION OF MY CONSUMER RIGHTS UNDER US CODE 1605 AND US CODE 1638. XXXX XXXX XXXX INC.VIOLATED MY RIGHTS AS A CONSUMER BY STACKING FEES AND INSURANCE PREMIUMS INTO MY AMOUNT FINANCED, ORIGINAL PRICE XXXX TOTAL SALE PRICE CAME OUT TO XXXX WITH ILLEGAL DOWN PAYMENT OF XXXX PLUS ANOTHER XXXX AT SIGNING WITCH \" SIGNATURE '' I REVOLK UNDER UCC 1-308. CAPITAL ONE AUTO FINAN ALREADY PRE APPROVED, MY PERSON FOR XXXX. THE AMOUNT FINANCED FOR THIS ERRONEOUS LOAN IS WRONG, WHICH MEANS MY FINANCE CHARGE IS WRONG, THAT BEING SAID MY PAYMENTS ARE WRONG AND TO HIGH. I ALSO HAD A XXXX PLUS CREDIT SCORE THAT WAS AFFECTED AND NOT TAKEN INTO CONSIDERATION. THEY GAVE ME TWO RETAIL PURCHASE AGREEMENTS WITH DIFFERENT FIGURES AND SUMS, I FEEL SO VIOLATED, ALSO UNDER US CODE 1662 ( 2 ) NO DOWN PAYMENT WAS NEEDED TO EXTEND MY PERSON CREDIT YOUR EMPLOYEE XXXX XXXX TOLD ME THAT MY CAR WAS NEW ON THE RETAIL PURCHASE AGREEMENT, BUT ON THE ERRONEOUS GAP WAIVER THAT SHOULD NOT HAVE BEEN INCLUDED IN FINANCE CHARGE SAID THE VEHICLE WAS USED. WITH THE MILEAGE BEING ( XXXX ) AND ACCURATE, ON ONE AGREEMENT ON THE OTHER IT SAYS ITS NOT ACCURATE. ALSO, MY PREMIUM SHOULD BE INCLUDED IN THE FINANCE CHARGE. I SHOULD NOT BE PAYING OUT OF POCKET TO 3RD PARTIES. I ALSO UNDER UCC 3-104 I NEVER GOT A FINANCIAL INSTRUMENT FROM FINANCIAL INSTITUTION ( CAPITAL ONE AUTO FINAN ) TO FUND THIS TRANSACTION ; IF SO I WOULD LIKE TO RECEIVE ACCOUNT LEDGER FROM CAPITAL ONE AUTO FINAN TO PROVE A TRANSACTION WAS MADE.I DID NOT RECEIVE A TRUTH IN LENDING OR RIGHT TO RECESSION DISCLOSURES UNDER USC 1640 THIS IS A BREACH IN CONTRACT, I WANT TO BE COMPENSATED FOR MY INJURY PAIN AND SUFFERING IN DAMAGES, I WAS UNFAIRLY TREATED DISCRIMINATED AGAINST AND UNDER USC 1611 I WILL HOLD EVERYONE ACCOUNTABLE WHO WILLFUL KNOWINGLY TRICKED ME INTO THIS CONTRACT. Please be advised you have a letter to CFPB, this is my First WRITTEN REQUEST and that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. THE FTC IS INVESTIGATING THIS MATTER ALSO YOU ARE NOW UNDER FEDERAL LAW. BELOW ARE MY DEMANDS I WILL EXPECT COMPENSATION WITH IN 15 DAYS OF THIS REPORT. \nI DEMAND MY TITLE AND FOR THIS LOAN TO BE PAYED OFF IN FULL ALSO ANY LATE PAYMENTS SHALL BE DELETED I DEMAND XXXX IN DAMAGES FOR MY RIGHTS BEING VIOLATED I DEMAND MY DOWN PAYMENT OF XXXX THAT SELLER TOOK FORM ME I DEMAND THE PAYMENTS BACK FROM THIS LOAN IN TOTAL OF XXXX X XXXX XXXX XXXX. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT ( a ) [ Definitions. ] In this section : ( 1 ) \" Request '' means a record of a type described in paragraph ( 2 ), ( 3 ), or ( 4 ).\n\n( 2 ) \" Request for an accounting '' means a record authenticated by a debtor requesting that the recipient provide an accounting of the unpaid obligations secured by collateral and reasonably identifying the transaction or relationship that is the subject of the request.\n\n( 3 ) \" Request regarding a list of collateral '' means a record authenticated by a debtor requesting that the recipient approve or correct a list of what the debtor believes to be the collateral securing an obligation and reasonably identifying the transaction or relationship that is the subject of the request.\n\n( 4 ) \" Request regarding a statement of account '' means a record authenticated by a debtor requesting that the recipient approve or correct a statement indicating what the debtor believes to be the aggregate amount of unpaid obligations secured by collateral as of a specified date and reasonably identifying the transaction or relationship that is the subject of the request.\n\n( b ) [ Duty to respond to requests. ] Subject to subsections ( c ), ( d ), ( e ), and ( f ), a secured party, other than a buyer of accounts, chattel paper, payment intangibles, or promissory notes or a consignor, shall comply with a request within 14 days after receipt : ( 1 ) in the case of a request for an accounting, by authenticating and sending to the debtor an accounting; and ( 2 ) in the case of a request regarding a list of collateral or a request regarding a statement of account, by authenticating and sending to the debtor an approval or correction.\n\n( c ) [ Request regarding list of collateral ; statement concerning type of collateral. ] A secured party that claims a security interest in all of a particular type of collat\neral owned by the debtor may comply with a request regarding a list of collateral by sending to the debtor an authenticated record including a statement to that effect within 14 days after receipt.\n\n( d ) [ Request regarding list of collateral ; no interest claimed. ] A person that receives a request regarding a list of collateral, claims no interest in the collateral when it receives the request, and claimed an interest in the collateral at an earlier time shall comply with the request within 14 days after receipt by sending to the debtor an authenticated record : ( 1 ) disclaiming any interest in the collateral; and ( 2 ) if known to the recipient, providing the name and mailing address of any assignee of or successor to the recipient 's interest in the collateral.\n\n( e ) [ Request for accounting or regarding statement of account ; no interest in obligation claimed. ] A person that receives a request for an accounting or a request regarding a statement of account, claims no interest in the obligations when it receives the request, and claimed an interest in the obligations at an earlier time shall comply with the request within 14 days after receipt by sending to the debtor an authenticated record : ( 1 ) disclaiming any interest in the obligations; and ( 2 ) if known to the recipient, providing the name and mailing address of any assignee of or successor to the recipient 's interest in the obligations.\n\n( f ) [ Charges for responses. ] A debtor is entitled without charge to one response to a request under this section during any six-month period. The secured party may require payment of a charge not exceeding {$25.00} for each additional response.\n\n1-308. Performance or Acceptance Under Reservation of Rights.\n\n( a ) A party that with explicit reservation of rights performs or promises performance or assents to performance in a manner demanded or offered by the other party does not thereby prejudice the rights reserved. Such words as \" without prejudice, '' \" under protest, '' or the like are sufficient.\n\n( b ) Subsection ( a ) does not apply to an accord and satisfaction.\n\n1-306. Waiver or Renunciation of Claim or Right After Breach.\n\nA claim or right arising out of an alleged breach may be discharged in whole or in part without consideration by agreement of the aggrieved party in an 18 U.S.C. 8 I owe no debt All debts are united states obligations The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.\n\n( June 25, 1948, ch. 645, 62 Stat. 685. ) 17 CFR 240.3b-18 Definitions of terms used in Section 3 ( a ) ( 5 ) of the Act.\n\nFor the purposes of section 3 ( a ) ( 5 ) ( C ) of the Act ( 15 U.S.C. 78c ( a ) ( 5 ) ( C ) : ( a ) The term affiliate means any company that controls, is controlled by, or is under common control with another company.\n\n( b ) The term consumer-related receivable means any obligation incurred by any natural person to pay money arising out of a transaction in which the money, property, insurance, or services ( being purchased ) are primarily for personal, family, or household purposes.\n\n( c ) The term member as it relates to the term syndicate of banks means a bank that is a participant in a syndicate of banks and together with its affiliates, other than its broker or dealer affiliates, originates no less than 10 % of the value of the obligations in a pool of obligations used to back the securities issued through a grantor trust or other separate entity.\n\n( d ) The term obligation means any note, draft, acceptance, loan, lease, receivable, or other evidence of indebtedness that is not a security issued by a person other than the bank.\n\n( e ) The term originated means : 17 CFR 240.3b-18 Definitions of terms used in Section 3 ( a ) ( 5 ) of the Act.\n\n( 1 ) Funding an obligation at the time that the obligation is created ; or ( 2 ) Initially approving and underwriting the obligation, or initially agreeing to purchase the obligation, provided that : ( i ) The obligation conforms to the underwriting standards or is evidenced by the loan documents of the bank or its affiliates, other than its broker or dealer affiliates; and ( ii ) The bank or its affiliates, other than its broker or dealer affiliates, fund the obligation in a timely manner, not to exceed six months after the obligation is created.\n\n( f ) The term pool means more than one obligation or type of obligation grouped together to provide collateral for a securities offering.\n\n( g ) The term predominantly originated means that no less than 85 % of the value of the obligations in any pool were originated by : ( 1 ) The bank or its affiliates, other than its broker or dealer affiliates; or ( 2 ) Banks that are members of a syndicate of banks and affiliates of such banks, other than their broker or dealer affiliates, if the obligations or pool of obligations consist of mortgage obligations or consumer-related receivables.\n\n( 3 ) For this purpose, the bank and its affiliates include any financial institution with which the bank or its affiliates have merged but does not include the purchase of a pool of obligations or the purchase of a line of business.\n\n( h ) The term syndicate of banks means a group of banks that acts jointly, on a temporary basis, to issue through a grantor trust or other separate entity, securities backed by obligations originated by each of the individual banks or their affiliates, other than their broker or dealer affiliates.\n\n[ 68 FR 8700, Feb. 24, 2003 ] 1026.23 Right of rescission.\n\n( a ) Consumer 's right to rescind.\n\n( 1 ) In a credit transaction in which a security interest is or will be retained or acquired in a consumer 's principal dwelling, each consumer whose ownership interest is or will be subject to the security interest shall have the right to rescind the transaction, except for transactions described in paragraph ( f ) of this section. For purposes of this section, the addition to an existing obligation of a security interest in a consumer 's principal dwelling is a transaction. The right of rescission applies only to the addition of the security interest and not the existing obligation. The creditor shall deliver the notice required by paragraph ( b ) of this section but need not deliver new material disclosures. Delivery of the required notice shall begin the rescission period.\n\n( 2 ) To exercise the right to rescind, the consumer shall notify the creditor of the rescission by mail, telegram or other means of written communication. Notice is considered given when mailed, when filed for telegraphic transmission or, if sent by other means, when delivered to the creditor 's designated place of business.\n\n( 3 ) ( i ) The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by paragraph ( b ) of this section, or delivery of all material disclosures, whichever occurs last. If the required notice or material disclosures are not delivered, the right to rescind shall expire 3 years after consummation, upon transfer of all of the consumer 's interest in the property, or upon sale of the property, whichever occurs first. In the case of certain administrative proceedings, the rescission period shall be extended in accordance with section 125 ( f ) of the Act.\n\n( ii ) For purposes of this paragraph ( a ) ( 3 ), the term material disclosures means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations referred to in 1026.32 ( c ) and ( d ) and 1026.43 ( g ).\n\n( 4 ) When more than one consumer in a transaction has the right to rescind, the exercise of the right by one consumer shall be effective as to all consumers.\n\n( b ) ( 1 ) Notice of right to rescind. In a transaction subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ). The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : ( i ) The retention or acquisition of a security interest in the consumer 's principal dwelling.\n\n( ii ) The consumer 's right to rescind the transaction.\n\n( iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business.\n\n( iv ) The effects of rescission, as described in paragraph ( d ) of this section.\n\n( v ) The date the rescission period expires.\n\n( 2 ) Proper form of notice. To satisfy the disclosure requirements of paragraph ( b ) ( 1 ) of this section, the creditor shall provide the appropriate model form in appendix H of this part or a substantially similar notice.\n\n( c ) Delay of creditor 's performance. Unless a consumer waives the right of rescission under paragraph ( e ) of this section, no money shall be disbursed other than in escrow, no services shall be performed and no materials delivered until the rescission period has expired and the creditor is reasonably satisfied that the consumer has not rescinded. ( d ) Effects of rescission.\n\n( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void and the consumer shall not be liable for any amount, including any finance charge.\n\n( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest.\n\n( 3 ) If the creditor has delivered any money or property, the consumer may retain possession until the creditor has met its obligation under paragraph ( d ) ( 2 ) of this section. When the creditor has complied with that paragraph, the consumer shall tender the money or property to the creditor or, where the latter would be impracticable or inequitable, tender its reasonable value. At the consumer 's option, tender of property may be made at the location of the property or at the consumer 's residence. Tenders of money must be made at the creditor 's designated place of business. If the creditor does not take possession of the money or property within 20 calendar days after the consumer 's tender, the consumer may keep it without further obligation.\n\n( 4 ) The procedures outlined in paragraphs ( d ) ( 2 ) and ( 3 ) of this section may be modified by court order.\n\n( e ) Consumer 's waiver of right to rescind. The consumer may modify or waive the right to rescind if the consumer determines that the extension of credit is needed to meet a bona fide personal financial emergency. To modify or waive the right, the consumer shall give the creditor a dated written statement that describes the emergency, specifically modifies or waives the right to rescind, and bears the signature of all the consumers entitled to rescind. Printed forms for this purpose are prohibited.\n\n( f ) Exempt transactions. The right to rescind does not apply to the following : ( 1 ) A residential mortgage transaction.\n\n( 2 ) A refinancing or consolidation by the same creditor of an extension of credit already secured by the consumer 's principal dwelling. The right of rescission shall apply, however, to the extent the new amount financed exceeds the unpaid principal balance, any earned unpaid finance charge on the existing debt, and amounts attributed solely to the costs of the refinancing or consolidation.\n\n( 3 ) A transaction in which a state agency is a creditor.\n\n( 4 ) An advance, other than an initial advance, in a series of advances or in a series of single-payment obligations that is treated as a single transaction under 1026.17 ( c ) ( 6 ), if the notice required by paragraph ( b ) of this section and all material disclosures have been given to the consumer.\n\n( 5 ) A renewal of optional insurance premiums that is not considered a refinancing under 1026.20 ( a ) ( 5 ).\n\n( g ) Tolerances for accuracy - ( 1 ) One-half of 1 percent tolerance. Except as provided in paragraphs ( g ) ( 2 ) and ( h ) ( 2 ) of this section : ( i ) The finance charge and other disclosures affected by the finance charge ( such as the amount financed and the annual percentage rate ) shall be considered accurate for purposes of this section if the disclosed finance charge : ( A ) Is understated by no more than 1/2 of 1 percent of the face amount of the note or {$100.00}, whichever is greater ; or ( B ) Is greater than the amount required to be disclosed.\n\n( ii ) The total of payments for each transaction subject to 1026.19 ( e ) and ( f ) shall be considered accurate for purposes of this section if the disclosed total of payments : ( A ) Is understated by no more than 1/2 of 1 percent of the face amount of the note or {$100.00}, whichever is greater ; or ( B ) Is greater than the amount required to be disclosed.\n\n( 2 ) One percent tolerance. In a refinancing of a residential mortgage transaction with a new creditor ( other than a transaction covered by 1026.32 ), if there is no new advance and no consolidation of existing loans : ( i ) The finance charge and other disclosures affected by the finance charge ( such as the amount financed and the annual percentage rate ) shall be considered accurate for purposes of this section if the disclosed finance charge : ( A ) Is understated by no more than 1 percent of the face amount of the note or {$100.00}, whichever is greater ; or ( B ) Is greater than the amount required to be disclosed.\n\n( ii ) The total of payments for each transaction subject to 1026.19 ( e ) and ( f ) shall be considered accurate for purposes of this section if the disclosed total of payments : ( A ) Is understated by no more than 1 percent of the face amount of the note or {$100.00}, whichever is greater ; or ( B ) Is greater than the amount required to be disclosed.\n\n( h ) Special rules for foreclosures - ( 1 ) Right to rescind. After the initiation of foreclosure on the consumer 's principal dwelling that secures the credit obligation, the consumer shall have the right to rescind the transaction if : ( i ) A mortgage broker fee that should have been included in the finance charge was not included ; or ( ii ) The creditor did not provide the properly completed appropriate model form in appendix H of this part, or a substantially similar notice of rescission.\n\n( 2 ) Tolerance for disclosures. After the initiation of foreclosure on the consumer 's principal dwelling that secures the credit obligation : ( i ) The finance charge and other disclosures affected by the finance charge ( such as the amount financed and the annual percentage rate ) shall be considered accurate for purposes of this section if the disclosed finance charge : ( A ) Is understated by no more than {$35.00} ; or ( B ) Is greater than the amount required to be disclosed.\n\n( ii ) The total of payments for each transaction subject to 1026.19 ( e ) and ( f ) shall be considered accurate for purposes of this section if the disclosed total of payments : ( A ) Is understated by no more than {$35.00} ; or ( B ) Is greater than the amount required to be disclosed.\n[ 76 FR 79772, Dec. 22, 2011, as amended at 78 FR 30745, May 23, 2013 ; 78 FR 60440, Oct. 1, 2013 ; 82 FR 37769, Aug. 11, 2017 ] 15 U.S. Code 1638 - Transactions other than under an open-end credit plan ( a ) Required disclosures by creditor For each consumer credit transaction other than under an open-end credit plan, the creditor shall disclose each of the following items, to the extent applicable : ( 1 ) The identity of the creditor required to make disclosure.\n\n( 2 ) ( A ) The amount financed, using that term, which shall be the amount of credit of which the consumer has actual use. This amount shall be computed as follows, but the computations need not be disclosed and shall not be disclosed with the disclosures conspicuously segregated in accordance with subsection ( b ) ( 1 ) : ( i ) take the principal amount of the loan or the cash price less down payment and trade-in; ( ii ) add any charges which are not part of the finance charge or of the principal amount of the loan and which are financed by the consumer, including the cost of any items excluded from the finance charge pursuant to section 1605 of this title; and ( iii ) subtract any charges which are part of the finance charge but which will be paid by the consumer before or at the time of the consummation of the transaction, or have been withheld from the proceeds of the credit.\n\n15 U.S. Code 1602 - Definitions and rules of construction ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.\n\n28 U.S. Code 3002 - Definitions ( 1 ) Counsel for the United States means ( A ) a United States attorney, an assistant United States attorney designated to act on behalf of the United States attorney, or an attorney with the United States Department of Justice or with a Federal agency who has litigation authority ; and ( B ) any private attorney authorized by contract made in accordance with section 3718 of title 31 to conduct litigation for collection of debts on behalf of the United States.\n\n( 2 ) Court means any court created by the Congress of the United States, excluding the United States Tax Court. ( 3 ) Debt means ( A ) an amount that is owing to the United States on account of a direct loan, or loan insured or guaranteed, by the United States ; or ( B ) an amount that is owing to the United States on account of a fee, duty, lease, rent, service, sale of real or personal property, overpayment, fine, assessment, penalty, restitution, damages, interest, tax, bail bond forfeiture, reimbursement, recovery of a cost incurred by the United States, or other source of indebtedness to the United States, but that is not owing under the terms of a contract originally entered into by only persons other than the United States ; and includes any amount owing to the United States for the benefit of an Indian tribe or individual Indian, but excludes any amount to which the United States is entitled under section 3011 ( a ).\n\n31 U.S. Code 3123 - Payment of obligations and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter.\n\n( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons.\n\n( c ) ( 1 ) The Secretary may issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The Secretary may dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section 3102 ( b ) ( d ) of this title.\n\n( 2 ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that may be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of the exchange value on the date of issue of the bonds, notes, or certificates as published by the Secretary under section 5151 of this title.\n\n( 3 ) The Secretary may designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency may be deposited.\n\n( Pub. L. 97258, Sept. 13, 1982, 96 Stat. 945. ) Definition : payment from 15 USC 78m ( q ) ( 1 ) ( C ) payment ( C ) the term payment ( i ) means a payment that is ( I ) made to further the commercial development of oil, natural gas, or minerals ; and ( II ) not de minimis ; and ( ii ) includes taxes, royalties, fees ( including license fees ), production entitlements, bonuses, and other material benefits, that the Commission, consistent with the guidelines of the Extractive Industries Transparency Initiative ( to the extent practicable ), determines are part of the commonly recognized revenue stream for the commercial development of oil, natural gas, or minerals ; 15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.\n\n( 2 ) Service or carrying charge.\n\n( 3 ) Loan fee, finders fee, or similar charge.\n\n( 4 ) Fee for an investigation or credit report.\n\n( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.\n\n( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.\n\n( b ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) in order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof.\n\n( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.\n\n( d ) Items exempted from computation of finance charge in all credit transactions If any of the following items is itemized and disclosed in accordance with the regulations of the Bureau in connection with any transaction, then the creditor need not include that item in the computation of the finance charge with respect to that transaction : ( 1 ) Fees and charges prescribed by law which actually are or will be paid to public officials for determining the existence of or for perfecting or releasing or satisfying any security related to the credit transaction.\n\n( 2 ) The premium payable for any insurance in lieu of perfecting any security interest otherwise required by the creditor in connection with the transaction, if the premium does not exceed the fees and charges described in paragraph ( 1 ) which would otherwise be payable.\n\n( 3 ) Any tax levied on security instruments or on documents evidencing indebtedness if the payment of such taxes is a precondition for recording the instrument securing the evidence of indebtedness.\n\n( e ) Items exempted from computation of finance charge in extensions of credit secured by an interest in real property The following items, when charged in connection with any extension of credit secured by an interest in real property, shall not be included in the computation of the finance charge with respect to that transaction : ( 1 ) Fees or premiums for title examination, title insurance, or similar purposes.\n\n( 2 ) Fees for preparation of loan-related documents.\n\n( 3 ) Escrows for future payments of taxes and insurance.\n\n( 4 ) Fees for notarizing deeds and other documents.\n\n( 5 ) Appraisal fees, including fees related to any pest infestation or flood hazard inspections conducted prior to closing. ( 6 ) Credit reports.\n\n( f ) Tolerances for accuracy In connection with credit transactions not under an open end credit plan that are secured by real property or a dwelling, the disclosure of the finance charge and other disclosures affected by any finance charge ( 1 ) shall be treated as being accurate for purposes of this subchapter if the amount disclosed as the finance charge ( A ) does not vary from the actual finance charge by more than {$100.00} ; or ( B ) is greater than the amount required to be disclosed under this subchapter; and ( 2 ) s","date_sent_to_company":"2023-01-18T16:48:25.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"30058","tags":null,"has_narrative":true,"complaint_id":"6453989","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-01-18T15:47:36.000Z","state":"GA","company_public_response":null,"sub_issue":"Fraudulent loan"},"highlight":{"complaint_what_happened":["Code 1602 - Definitions and rules of construction ( l ) The term credit card means any card, <em>plate</em>, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.\n\n28 U.S."],"product":["<em>Vehicle</em> loan or lease"]},"sort":[5.7174597,"6453989"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":17,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":17}]}},"product":{"doc_count":17,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":7,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":7}]}},{"key":"Credit reporting or other personal consumer 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report","doc_count":7,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":7}]}},{"key":"Incorrect information on your report","doc_count":5,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Account status incorrect","doc_count":4},{"key":"Information belongs to someone else","doc_count":1}]}},{"key":"Getting a loan or lease","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Fraudulent loan","doc_count":2}]}},{"key":"Dealing with your lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Need information about your loan balance or loan terms","doc_count":1}]}},{"key":"Threatened to contact someone or share information 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