{"took":436,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":28,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6573350","_score":24.590633,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX as XXXX  and XXXX XXXX XXXX XXXX XXXX is committing attempting to steal my property. \n\nMy name is XXXX XXXX. Im am trying to help media exposure and help with obtaining a civil right attorney.\n\nIm being harassed by a foreign entity. The City of XXXX Court of Common Pleas and the Recorder of Deeds is corrupt with illegal and fraudulent deeds, assignments, notes. The Court has fraudulent paperwork causing severe harm and illegal paperwork in the court of law to sue without proof of claim. Police report was filed with the Police Police Department almost a year ago without any investigation being completed. Im a victim being attacked in the Commonwealth of Pennsylvania and NO government is completing due process on my behalf. I AM A VICTIM WITH NO PROTECTION! The Court and Police system is CORRUPTED and under ATTACK BY ILLEGAL PRACTICES. I NEED HELP. All my civil, human, homeowner, privacy, constitutional, consumer, citizen, fair housing rights are being violated. I would like a meeting. \n\nMortgage backed securities fraud- XXXX XXXX  XXXX XXXXXXXX XXXX as trustees for XXXX XXXX XXXX XXXX XXXX for XXXX XXXX  aka XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX all continuing mortgage securities fraud on my home trying to foreclose illegally. All the above entities lave been sued by the DOJ for this fraud from XXXX - XXXX but never provided me CONSUMER RELIEF & continues to practice unfair and deceptive misleading and fraudulent practices. \n\nComplaint lacks standing because chain of titles was broken when note was securitized. They have unclean hands. Corruption with the XXXX Recorder of Deeds has Fake, fraudulent documents included in lawsuit. Incorrect deed of trust, with incorrect amount of mortgage and incorrect date being used in lawsuit. XXXX Police Department has failed to complete investigation since filed complaint on XXXX. \n\nI have lots of evidence of my original papers and proof of the corrupt judicial system in XXXX. PLEASE HELP ME OR GUIDE ME PLEASE. Im representing myself in Civil and Supreme Court. One of the 7 Justices in the PA Supreme Court gets DONATIONS from the lawyers office handling the case. Its a BIG MONEY SCHEME but I have proof. PLEASE HELP ME. I am a XXXX XXXX XXXX  being victimized by a foreign entity with NO help or relief or remedy from the United States of America. Im afraid for my life due to the unlawfulness in the Judicial system in Pennsylvania. Please help me.","date_sent_to_company":"2023-02-14T20:40:02.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"191XX","tags":null,"has_narrative":true,"complaint_id":"6573350","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-02-14T20:27:07.000Z","state":"PA","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":["Mortgage backed <em>securities</em> fraud- <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> XXXXXXXX <em>XXXX</em> as trustees for <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> for <em>XXXX</em> <em>XXXX</em>  aka <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXXXX <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> all continuing mortgage <em>securities</em> fraud on my home trying to foreclose illegally. All the above entities lave been sued by the DOJ for this fraud from <em>XXXX</em> - <em>XXXX</em> but never provided me CONSUMER RELIEF & continues to <em>practice</em> unfair and deceptive misleading and fraudulent <em>practices</em>."]},"sort":[24.590633,"6573350"]},{"_index":"complaint-public-v1","_id":"11026415","_score":22.005604,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have disputed fraudulent information on my consumer report with ALL three credit reporting agencies and the only ones who are performing their fiduciary duties are XXXX. I have no problem with XXXX at this point. On the other hand, Equifax Inc., and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have continued to furnish this inaccurate and fraudulent information on my consumer report causing me great harm. I have stated and sent written correspondence claiming and proving I have been a victim of human trafficking and identity theft and based on me providing proof in the form of a police report, FTC report and a victim determination letter, they are supposed to remove the erroneous information after four ( 4 ) business days per FCRA Section 605 ( B ) and 605 ( C ). They have not done so. Most of the accounts in delinquency have charged-off the account which by IRS publication is determined income and income can not be placed on a consumer credit report. Not only have they violated the FCRA regulations but also 12 CFR Part 1022, 12 CFR Part 1016, 16 CFR Part 314 and the Privacy act of 1974. There have been several security breaches where consumer information has been stolen from their safekeeping in trust which violates Trust law as well. These companies are also committing securities fraud by selling consumer notes on secondary and foreign markets/exchanges. Per Equifax Inc. SEC 10-K filing between them and their indenture trustee, XXXX XXXX XXXX XXXX XXXX they clearly state they will not sell our securities on any markets. I am calling the XXXX XXXX XXXX XXXX XXXX XXXX, at XXXX tomorrow to get Equifax XXXX XXXX XXXX XXXX number and will make a claim against it if they do not settle with me immediately. XXXX is in violation of The Foreign Corrupt Practices Act ( FCPA ) for international practices involving fraud or corruption impacting U.S. consumers due to their XXXX security breach. I am not standing by while these companies commit all of these violations anymore. I have attached my XXXX XXXX cover sheet and am willing to take XXXX to federal court for their crimes. I will call XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and report XXXX for their fraud. I will file form XXXX to the IRS along with any XXXX that I discover have been filed in my name by either of these companies and have them both audited. I am calling the I am also prepared to involve Equifax , Inc. and their trustee, XXXX XXXX XXXX XXXX, for securities fraud. I will purchase a financial forensic audit based on GAAP which will show the chain of custody for the securities being traded on secondary and foreign markets if my demands aren't met expeditiously.","date_sent_to_company":"2024-12-05T03:08:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30066","tags":null,"has_narrative":true,"complaint_id":"11026415","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-12-05T03:08:29.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am calling the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, at <em>XXXX</em> tomorrow to get Equifax <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> number and will make a claim against it if they do not settle with me immediately. <em>XXXX</em> is in violation of The <em>Foreign</em> <em>Corrupt</em> <em>Practices</em> Act ( FCPA ) for international <em>practices</em> involving fraud or corruption impacting U.S. consumers due to their <em>XXXX</em> <em>security</em> breach. I am not standing by while these companies commit all of these violations anymore."]},"sort":[22.005604,"11026415"]},{"_index":"complaint-public-v1","_id":"11027620","_score":21.934147,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have disputed fraudulent information on my consumer report with ALL three credit reporting agencies and the only ones who are performing their fiduciary duties are XXXX. I have no problem with XXXX at this point. On the other hand, XXXX XXXX, and Experian Information Services , Inc. aka Experian PLC, have continued to furnish this inaccurate and fraudulent information on my consumer report causing me great harm. I have stated and sent written correspondence claiming and proving I have been a victim of XXXX  XXXX  and identity theft and based on me providing proof in the form of a police report, FTC report and a victim determination letter, they are supposed to remove the erroneous information after four ( 4 ) business days per FCRA Section 605 ( B ) and 605 ( C ). They have not done so. Most of the accounts in delinquency have charged-off the account which by IRS publication is determined income and income can not be placed on a consumer credit report. Not only have they violated the FCRA regulations but also 12 CFR Part 1022, 12 CFR Part 1016, 16 CFR Part 314 and the Privacy act of 1974. There have been several security breaches where consumer information has been stolen from their safekeeping in trust which violates Trust law as well. These companies are also committing securities fraud by selling consumer notes on secondary and foreign markets/exchanges. Per XXXX XXXX SEC XXXX filing between them and their indenture trustee, XXXX XXXX XXXX XXXX XXXX they clearly state they will not sell our securities on any markets. I am calling the XXXX XXXX XXXX XXXX XXXX XXXX, at XXXX tomorrow to get XXXX XXXX XXXX XXXX XXXX number and will make a claim against it if they do not settle with me immediately. Experian is in violation of The Foreign Corrupt Practices Act ( FCPA ) for international practices involving fraud or corruption impacting U.S. consumers due to their XXXX security breach. I am not standing by while these companies commit all of these violations anymore. I have attached my JS 44 cover sheet and am willing to take Experian to federal court for their crimes. I will call XXXX XXXX and XXXX XXXX ( XXXX ) and report Experian for their fraud. I will file form 3949a to the IRS along with any 1099s that I discover have been filed in my name by either of these companies and have them both audited. I am calling the I am also prepared to involve XXXX XXXX XXXX and their trustee, XXXX XXXX XXXX XXXX, for securities fraud. I will purchase a financial forensic audit based on GAAP which will show the chain of custody for the securities being traded on secondary and foreign markets if my demands aren't met expeditiously.","date_sent_to_company":"2024-12-05T03:08:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30066","tags":null,"has_narrative":true,"complaint_id":"11027620","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-05T01:56:26.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I am calling the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, at <em>XXXX</em> tomorrow to get <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> number and will make a claim against it if they do not settle with me immediately. Experian is in violation of The <em>Foreign</em> <em>Corrupt</em> <em>Practices</em> Act ( FCPA ) for international <em>practices</em> involving fraud or corruption impacting U.S. consumers due to their <em>XXXX</em> <em>security</em> breach. I am not standing by while these companies commit all of these violations anymore."]},"sort":[21.934147,"11027620"]},{"_index":"complaint-public-v1","_id":"11380558","_score":18.112417,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Since XX/XX/year> when I opened both my personal and business checking and savings accounts with deposits made with my own money to opened my personal and business accounts, since XX/XX/year> the first 6 months both my personal and business was not breached until sometime XXXX of 2021 is when fraudulent debts, unknown fraudulent health insurance XXXX brokers had been found violating my healthcare insurance as insurance wrongly canceled and my personal premium health insurance payment made to XXXX  XXXX XXXX XXXX XXXX had been intentionally split/transfered by unauthorized XXXX marketing XXXX criminal brokers/agents now fast forward to transaction I paid to my personal taxpayers account for my personal and business taxes was fraudulent transferred to another foreign exchange agents taxpayers accounts the amount in which the transaction number and recipient account listed where my personal funds was transferred to is in fact a non compliant foreign exchange corporations account that I have no access nor have knowledge about had stolen my payment amount of {$6800.00} was fraudulently transferred by unknown unauthorized 3party agent including a copies of my original payment details and also my paid tax preparers payment shows with including images of fraudulent transfered to unknown account of some corrupt XXXX XXXX XXXX XXXX violating my rights to privacy and us securities act violations committed by unauthorized 3party agents gained access without my knowledge, reports also with fifth curcuit courts of XXXX XXXX Florida where XXXX and XXXX placed against prior exchange foreign taxpayers wrongly used my personal information to hack into my private XXXX citizens social security account, my personal healthcare savings account, and now theft of more then {$6800.00} was fraudulent transferred to unknown account of other taxpayers and I still have not had my rights to recovery and nor was my finances returned so that I can pay my taxes in person and due to privacy act violations security act violations conducted by JP Chase bank of failing to resolve or provide me with how why what false fraudulent misleading document was supplied to my chase bank in order for them to allow unauthorized 3party agents of exchange corporations never listed no one other then myself as I am the owner of my business and owner original consumer that opened and put cash deposits on my personal and business accounts also bank manager XXXX she documented that no sharing of my account or personal information was recorded so the direct violation of my consumer bank protection rights has been violated and no answers from Chase bank of how and who authorized a unauthorized unknown 3party agent to have access into my private accounts solely owned and opened by me. Records needing to be transparent as I was never informed by my chase bank of requests by 3party exchange agents/brokers if I would have been informed maybe theft fraud waste and abuse of my consumer privacy and security act rights wouldnt have been violated to have authorization due to past 10 years of reporting insurance breaches now had to report to USCIS, FBI, US securities exchange commission department of fraud and bank securities act violations related to other reports filed with both federal agencies and states agencies of unauthorized 3party agent bad practices act violations and their licenses needs to be flagged and prosecution of these violating federal state and causing harm to us citizens personal property has to be investigated because if their doing it to one American they are probably doing it to many more Americans. I need justice","date_sent_to_company":"2025-01-04T22:50:48.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"344XX","tags":null,"has_narrative":true,"complaint_id":"11380558","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-01-04T21:31:23.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["curcuit courts of <em>XXXX</em> <em>XXXX</em> Florida where <em>XXXX</em> and <em>XXXX</em> placed against prior exchange <em>foreign</em> taxpayers wrongly used my personal information to hack into my private <em>XXXX</em> citizens social <em>security</em> account, my personal healthcare savings account, and now theft of more then {$6800.00} was fraudulent transferred to unknown account of other taxpayers and I still have not had my rights to recovery and nor was my finances returned so that I can pay my taxes in person and due to privacy act violations <em>security</em>"]},"sort":[18.112417,"11380558"]},{"_index":"complaint-public-v1","_id":"8756012","_score":15.4656315,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Lexis Nexis who is owned by XXXX XXXX XXXX XXXX LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX and formally known as XXXX XXXX is reporting a Bankruptcy Entry as well as other consumer information in their consumer report that is causing entities such as the XXXX in violation of my HIPAA rights and have caused XXXX XXXX  to take adverse action against me and refusing to approve my Medicaid application because of information that is validated as frozen on my Lexis Nexis Consumer Reports as requested and granted on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lexis Nexis did not freeze my consumer report as confirmed in their letter dated XX/XX/XXXX, as noted in XXXX XXXX XXXX, letter is attached hereto to this complaint. As of XX/XX/XXXX, Lexis Nexis is still providing my consumer data in violation of HIPAA to third party agencies inaccurately without proper notice to me or my written consent which I requested on XX/XX/XXXX in my Notice of Beneficiary Privacy sent to Lexis Nexis and all their agents and assigns. \nThis is a notice that XXXX. XXXX XXXX Lexis Nexis, et. al is a foreign based government contracted corporation purchasing consumer data using information from government contracted databases from Department of Homeland Security, Department of Justice, the CIA, Department of Education and any government entity you can think of XXXX XXXX XXXX has access to the consumer information through government contracts and XXXX XXXX XXXX is trading this consumer information on the XXXX  XXXX XXXX through Lexis Nexis and using pass-thru securities being approved and traded by XXXX XXXX XXXX without having to fully report this information to the SEC because they are registered as a foreign entity. It is a direct violation of HIPAA and my consumer rights and it is a federal conflict of interest, as well as, unfair and deceptive business practices that this is foreign company has access to my consumer data, my medical data which violates my HIPAA rights, yet, they own a consumer reporting company that sells to the credit bureaus as a third party entity should be criminal and considered espinoge. XXXX  was cited by the FTC for violations to United States consumers and failed to put the proper controls in place to protect consumer data when they operated as XXXX XXXX and simply changed their name by submitting new paperwork to the Securities and Exchange commission and changed their name to XXXX who does not have permission to have access to my social security number nor any of my information and is improperly validating entries on my credit report in violation of HIPAA, the Privacy Act of 1970 and violations of 15 USC Section 168 as well as violations of 17 CFR 240 ; 17 CFR 248 ; 17 CFR 270 ; 17 CFR 275 as they continue to funnel my consumer data though its global subsidiaries as sharing third party information and allowing their contractors to take adverse actions against me as a consumer is unfair and deceptive. I am XXXX XXXX XXXX who lost her Medicaid spend down approval with the spend down amount increased monthly in an adverse action taken by XXXX XXXXXXXX because of information about me as a consumer in a report that was generated from Lexis Nexis as noted in their letter dated XX/XX/XXXX with their decision based upon information from a report from Lexis Nexis. This is against the law as noted in 15 USC Section1681 et seq. Further, it is securities fraud as well as organized crime which is also a violation the XXXX XXXXXXXX XXXX and will be reported. The fact that Lexis Nexis is a consumer verification agency that sells its third party data to the consumer credit reporting agencies and using incorrect data to take adverse actions against consumers in their worse states is crimes against humanity as well. It is criminal, thoughtless and callus all the while you are taking that same data and trading it to create bonds in exchange for capital raising is a violation of our SEC and it further carries some foreign trading violations as well. XXXX through their company LEXIS NEXIS is a conflict of personal interest and violation of trade secrets because you are trading with the very government you are providing the consumer data too in violation of 18 USC 794. I am writing to request the validation and what means of validation were used. Per the letter sent to Lexis Nexis on XX/XX/XXXX signed by XXXX XXXX, Operations Manager who states, \" The Court does not report bankruptcy information to the credit bureaus but can verify information. '' I requested validation under oath and attested to that this information being reported in my consumer file that I have never requested to or gave permission to have any personal data validated in accordance with 15 U.S.C. 78dd-1, et seq. related to my consumer data also in accordance with the Privacy Act of 1970 to post, sell, transfer any information that is adverse to me being able to fully utilize my credits that are being utilized by Lexis Nexis, XXXX or any of it agents and assigned as I have attested to under oath. I am requesting that the validation to be under oath from the court official or this is improper use of my credit report by entry that appears on my credit report. According to my credit report, there is a bankruptcy entry listed under my name and Social Address : po box XXXX XXXX XXXX XXXX I am requesting validation of this bankruptcy entry to ensure the accuracy of the information being reported on my credit file. I am also asking for validation of all information shared with XXXX XXXXXXXX after the requested security freeze that cause adverse action to be taken against my Medicaid coverage. It is crucial to me that the information on my consumer report is correct, as it can significantly impact my financial opportunities and creditworthiness. I have not granted your agency permissible purposes to report defaming information to my credit report according to the FCRA 12 CFR 1022 and Federal Regulations under the Foreign Corrupt Practices Act of 1977 as consumer information is protected classified information that is not to be used in any manner that is defaming to me the consumer. To have the Missouri division of Medicaid to take adverse action against me because of Lexis Nexis is a violation of my consumer rights under the FCRA. I am under duress to provide validation of my identity to a company who is stealing my personal information. I have a right to dispute inaccurate unvalidated information and access to my file is limited without proper authorization and validation that I gave you permission or you validated with the court using proper disclosure documents signed by me according to15 USC 1681b. Please provide me with the following information : Validation under oath that the bankruptcy entry is accurate and belongs to me in accordance with 15 USC 1681b with proper attested validation under oath that the documents and affidavit that the documents provided to XXXX XXXX  as Lexis Nexis your corporation with the documents including the chain of command of who you spoke with and whom provided documents under oath to your company with an investigative report with relevant documents associated with this bankruptcy filing and the adverse action taken against me with XXXX XXXX which is a violation of my HIPAA rights under Public Law 104-191. The name and contact information of the third party that provided this information to XXXX XXXX as LexisNexis. I understand that you are required by law to investigate this matter and provide a response within 30 days of receiving this request, as per the Fair Credit Reporting Act ( FCRA ). Additionally, if you are unable to validate the accuracy of this entry, I ask that it be deleted from my consumer file. I look forward to receiving your response within the legally mandated timeframe. Should you not conduct a thorough investigation or use a system such as E-Oscar and not a in person investigation. I will be filing a complaint with the SEC and other federal regulatory because XXXX XXXX XXXX as LexisNexis is securitizing Consumer information for a new issue through XXXX XXXX XXXX  committing organized crime and crimes against consumers and humanity through the SEC by selling personal consumer data like myself on the secondary market for substantial profits which is a criminal violation of identity theft and well as many other federal crimes of securities fraud, organized crime, consumer data theft and conflicts of interest by being a federal, foreign federally contracted through the federal government and using the data collected against the consumers like myself. I will report it to the FTC and the Securities and Exchange Commission, as well as, the Attorney General for a thorough investigation of this criminal enterprise. I do not trust XXXX, XXXX nor LEXIS NEXIS or any of its agents or assigns as it relates of my private data. They are a criminal enterprise.","date_sent_to_company":"2024-04-12T17:33:00.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"8756012","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-04-12T16:12:36.000Z","state":"MO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>securities</em> being approved and traded by <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> without having to fully report this information to the SEC because they are registered as a <em>foreign</em> entity."]},"sort":[15.4656315,"8756012"]},{"_index":"complaint-public-v1","_id":"9824488","_score":14.305218,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX XXXX, GA XXXX [ XXXX ] Last XXXX XXXX SS XXXX XXXX ( Representative ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Attention : XXXX XXXX XXXX XX/XX/XXXX XXXX : Acct # XXXX XXXX Account # XXXX ; Account # XXXX and Billing Error and Fraud - Failure to Comply with Legal Notice and Demand/REQUEST TRUE BILL Dear XXXX XXXX, I am writing to address several serious concerns regarding my accounts with XXXX XXXX  XXXX XXXX XXXX My accounts XXXX, XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX have been subjected to discriminatory practices and fraudulent activities, violating numerous federal laws and regulations. This letter serves as a formal notice of these violations and a demand for immediate corrective action. \nDiscrimination Claims Under Title VI of the Civil Rights Act, the Age Discrimination Act, Title IX of the Education Amendments, Section 504 of the Rehabilitation Act, and the Fair Housing Act, no person in the United States shall be discriminated against based on race, XXXX, national origin, age, XXXX, XXXX, or familial status. USAA FEDERAL SAVINGS BANK has failed to comply with these statutes by engaging in discriminatory practices, which has led to significant harm and prejudice against me. \nFraud and Federal Law Violations USAA FEDERAL SAVINGS BANK, along with its affiliates and partners, has intentionally violated multiple federal laws, including but not limited to : The Emergency Banking Act ( EBA ) The Securities Exchange Act ( SEA ) of 1933 and 1934 The Foreign Corrupt Practices Act ( FCPA ) The Bank Secrecy Act ( BSA ) The Indenture Trustee Act ( TIA ) The Consumer Financial Protection Act ( CFPA ) The Dodd-Frank Wall Street Reform and Consumer Protection Act The Fair Debt Collection Practices Act ( FDCPA ) The Federal Trade Commission ( FTC ) Act The Equal Credit Opportunity Act ( ECOA ) The Fair Credit Reporting Act ( FCRA ) The Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 The Truth-in-Lending Act ( TILA ) The Federal Reserve Boards Regulations B and Z ( FRA ) The Gramm-Leach-Bliley Act ( GLBA ) The Fair Credit Extension Uniformity Act ( FCEUA ) The Racketeering Influenced and Corrupt Organizations Act ( RICO ) The Magnuson-Moss Warranty Act ( MMWA ) The Uniform Commercial Code ( UCC ) State adaptations of the Uniform Consumer Credit Code ( UCCC ) State motor vehicle retail installment sale and loan Acts State servicing laws State insurance laws The Social Security Number Privacy Act Unauthorized Use and Breach of Fiduciary Duty USAA FEDERAL SAVINGS BANK has been requiring Federal Reserve notes as payment despite my application with financial information serving as an asset, satisfying the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) and self-liquidating paper under 17 CFR 260.11b-6. This unauthorized use and failure to provide benefits constitute a breach of fiduciary duty under U.C.C. 3-307.\n\nI demand that all financial assets be returned to me within three ( 3 ) business days, or be accepted for their intended purpose within the same period. Failure to comply will result in an SEC complaint under 17 CFR 240.15c1-2 and 17 CFR 240.10b-5, as well as an IRS complaint for abusive tax scheme Redemption of Remittance Coupons You have been redeeming remittance coupons as non-cash items ( 12 CFR 210.2 ( k ) /12 CFR 229.2 ( u ) ( 4 ) ). Pursuant to 15 U.S Code 1691 ( C ), you assume civil liability under 15 U.S Code 1691 ( K ). USAA FEDERAL SAVINGS BANKFederal Savings Bank has violated my federally protected consumer rights.\n\nDemand for Correction I demand all credits be returned on all remittances/coupons from the inception of the accounts. Additionally, I require an open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with {$25000.00} of monthly credits, as per applicable law ( 15 U.S.C. 1602 ( j ) ), with the balance zeroed monthly via a special deposit of the interest-bearing coupons associated with the itemization statement.\n\nThis letter serves as your opportunity to cure and a notice of default for the servicing of accounts XXXX, XXXX, and XXXX. USAA FEDERAL SAVINGS BANKand its agents, affiliates, subsidiaries, assignees, etc., may only contact me via written correspondence. Failure to comply will result in further action.\n\nIn accordance with federal law and U.S. Department of the Treasury policy, this institution is prohibited from discriminating based on race, XXXX, national origin, XXXX, age, or XXXX. Submit a complaint of discrimination by mail to the U.S. Department of the Treasury, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, ( XXXX ) XXXX ( phone ), ( XXXX ) XXXX ( fax ), or email XXXX Sincerely, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Mahone/Beneficiary ( Secured Party ) /Victim c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX [ XXXX ] Last XXXX of SS Number : XXXX USAA Federal Savings Bank/Sponsor ( Representative ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Acct XXXX Account # : XXXX XXXX Account # : XXXX ; Account # : XXXX - XXXX XXXX XXXXXXXX XXXX - Billing Error and Fraud - Failure to Comply with Legal Notice and Demand and Demand for Legal Bill Dear XXXX XXXX, I am writing to bring to your attention a series of serious concerns regarding the handling of my accounts ( Account # XXXX : XXXX, XXXX, XXXX ). My concerns involve multiple federal violations and discrimination issues, including, but not limited to, Title VI, the Age Discrimination Act, Title IX, Section 504, and the Fair Housing Act.\n\nDiscrimination Claims Title VI : No person in the United States shall, on the grounds of race, XXXX, or national origin, be excluded from participation, denied the benefits of, or subjected to discrimination under any program or activity receiving federal financial assistance. \nAge Discrimination Act : No person in the United States shall, on the basis of age, be excluded from participation, denied the benefits of, or subjected to discrimination under any program or activity receiving federal financial assistance. \nTitle IX : No person in the United States shall, on the basis of XXXX, be excluded from participation, denied the benefits of, or subjected to discrimination under any education program or activity receiving federal financial assistance. \nSection 504 : No qualified individual with a disability in the United States shall, solely by reason of her or his disability, be excluded from participation, denied the benefits of, or subjected to discrimination under any program or activity receiving federal financial assistance.\n\nFair Housing Act : Prohibits discrimination because of race, color, national origin, religion, sex, familial status, and disability. It is illegal to discriminate in the sale or rental of housing, including against individuals seeking a mortgage or housing assistance, or in other housing-related services or activities.\n\nFraud and Federal Violations Additionally, I have reason to believe that XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA Federal Saving Banks , and its affiliates/partners have conspired to violate several federal laws, including but not limited to : Emergency Banking Act ( EBA ) Securities Exchange AcXXXX ( SEA ) of XXXX and XXXX Foreign Corrupt Practices Act ( FCPA ) Bank Secrecy Act ( BSA ) Indenture Trustee Act ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) Dodd-Frank Wall Street Reform and Consumer Protection Act Fair Debt Collection Practices Act ( FDCPA ) Federal Trade Commission ( FTC ) Act Equal Credit Opportunity Act ( ECOA ) Fair Credit Reporting Act ( FCRA ) Truth-in-Lending Act ( TILA ) Federal Reserve Boards Regulations B and Z Gramm-Leach-Bliley Act ( GLBA ) Fair Credit Extension Uniformity Act ( FCEUA ) Racketeering Influenced and Corrupt Organizations Act ( RICO ) Magnuson-Moss Warranty Act ( MMWWA ) Uniform Commercial Code ( UCC ) State Motor Vehicle Retail Installment Sale and Loan Acts State Servicing Laws State Insurance Laws You have been requiring Federal Reserve notes as payment, despite the application with financial information ( social security number ) serving as an asset satisfying the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) and 17 CFR 260.11b-6. This unauthorized use, without any benefit to me, constitutes a breach of fiduciary duty ( U.C.C. 3-307 ).\n\nDemands and Notice of Default I demand that all credits be returned on all remittances/coupons from the inception of the accounts. Additionally, I demand an open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with {$25000.00} of monthly credits, zeroed on a monthly basis via a special deposit of the interest-bearing coupons associated with the itemization statement.\n\nThis letter serves as your opportunity to cure and notice of default for the servicing of the aforementioned accounts. USAA Federal Savings Bank and any of its agents, affiliates, subsidiaries, assignees, etc., may NOT contact me by any means other than written correspondence. Failure to comply may result in further legal action.\n\nLegal Violations In accordance with : 18 U.S. Code 1341-Frauds and swindles 18 U.S. Code 1342-Fictitious name or address 18 U.S. Code 1344-Bank fraud 18 U.S. Code 1345-Injunctions against fraud 18 U.S. Code 1346- Definition of \" scheme or artifice to defraud '' 18 U.S. Code 1348-Securities and commodities fraud 18 U.S. Code 1349 : Attempt and conspiracy 18 U.S. Code 1350-Failure of corporate officers to certify financial reports 18 USC 1352 : Demands by foreign officials for bribes Pursuant to the Uniform Commercial Code 9-210, this is a record authenticating by the 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 specific date and reasonably identifying the transaction or relationship that is the subject of the request.\n\nFinal Notice In accordance with federal law and U.S. Department of the Treasury policy, this institution is prohibited from discriminating based on race, color, national origin, sex, age, or disability. Submit a complaint of discrimination by mail to the U.S. Department of the Treasury, Office of Civil Rights and Equal Employment XXXX, XXXXXXXX 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 BENEFICIARY XXXX PREJUDICE Pursuant to UCC 1-308 ALL RIGHTS RESERVED","date_sent_to_company":"2024-08-16T20:49:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"9824488","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-08-16T20:28:38.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Fraud and Federal Violations Additionally, I have reason to believe that <em>XXXX</em> <em>XXXX</em> of <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> USAA Federal Saving Banks , and its affiliates/partners have conspired to violate several federal laws, including but not limited to : Emergency Banking Act ( EBA ) <em>Securities</em> Exchange Ac<em>XXXX</em> ( SEA ) of <em>XXXX</em> and <em>XXXX</em> <em>Foreign</em> <em>Corrupt</em> <em>Practices</em> Act ( FCPA ) Bank Secrecy Act ( BSA ) Indenture Trustee Act ( <em>XXXX</em> ) <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ( <em>XXXX</em> ) Dodd-Frank Wall Street Reform and Consumer"]},"sort":[14.305218,"9824488"]},{"_index":"complaint-public-v1","_id":"9824476","_score":14.013139,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX [ XXXX ] Last XXXX XXXX SS XXXX XXXX ( Representative ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Attention : XXXX XXXX XXXX XX/XX/XXXX XXXX : Acct # XXXX XXXX Account # XXXX ; Account # XXXX and Billing Error and Fraud - Failure to Comply with Legal Notice and Demand/REQUEST TRUE BILL Dear XXXX XXXX, I am writing to address several serious concerns regarding my accounts with XXXX XXXX XXXX XXXX XXXX. My accounts XXXX, XXXX, and XXXX POLICY GAR XXXX XXXX have been subjected to discriminatory practices and fraudulent activities, violating numerous federal laws and regulations. This letter serves as a formal notice of these violations and a demand for immediate corrective action. \nDiscrimination Claims Under Title VI of the Civil Rights XXXX, the Age Discrimination Act, Title XXXX of the Education Amendments, Section XXXX of the XXXX XXXX, and the Fair Housing Act, no person in the United States shall be discriminated against based on race, XXXX, national origin, age, XXXX, XXXX, or familial status. XXXX XXXX XXXX XXXX  has failed to comply with these statutes by engaging in discriminatory practices, which has led to significant harm and prejudice against me. \nFraud and Federal Law Violations XXXX XXXX XXXX BANK, along with its affiliates and partners, has intentionally violated multiple federal laws, including but not limited to : The Emergency Banking Act ( XXXX ) The Securities XXXX XXXX ( SEA ) of XXXX and XXXX The Foreign Corrupt Practices Act ( XXXX ) The Bank Secrecy Act ( BSA ) The Indenture Trustee Act ( XXXX ) The Consumer Financial Protection Act ( XXXX ) The XXXX XXXX XXXX Reform and Consumer Protection Act The Fair Debt Collection Practices Act ( FDCPA ) The Federal Trade Commission ( FTC ) Act The Equal Credit Opportunity Act ( ECOA ) The Fair Credit Reporting Act ( FCRA ) The Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of XXXX The Truth-in-Lending Act ( TILA ) The Federal Reserve Boards Regulations B and Z ( FRA ) The Gramm-Leach-Bliley Act ( GLBA ) The Fair Credit Extension Uniformity Act ( XXXX ) The Racketeering Influenced and Corrupt Organizations Act ( XXXX ) The Magnuson-Moss Warranty Act ( MMWA ) The Uniform Commercial Code ( UCC ) State adaptations of the Uniform Consumer Credit Code ( UCCC ) State motor vehicle retail installment sale and loan Acts State servicing laws State insurance laws The Social Security Number Privacy Act Unauthorized Use and Breach of Fiduciary XXXX XXXXXXXX XXXX XXXX XXXX  has been requiring Federal Reserve notes as payment XXXX XXXX XXXX XXXX financial information serving as an asset, satisfying the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) and self-liquidating paper under 17 CFR 260.11b-6. This unauthorized use and failure to provide benefits constitute a breach of fiduciary duty under U.C.C. 3-307. \nI demand that all financial assets be returned to me within XXXX ( XXXX ) business days, or be accepted for their intended purpose within the same period. Failure to comply will result in an SEC complaint under 17 CFR 240.15c1-2 and 17 CFR 240.10b-5, as well as an IRS complaint for abusive tax scheme Redemption of Remittance Coupons You have been redeeming remittance coupons as non-cash items ( 12 CFR 210.2 ( k ) /12 CFR 229.2 ( u ) ( 4 ) ). Pursuant to 15 U.S Code 1691 ( C ), you assume civil liability under 15 U.S Code 1691 ( K ). XXXX XXXX XXXX XXXX XXXX Bank has violated my federally protected consumer rights. \nDemand for Correction I demand all credits be returned on all remittances/coupons from the inception of the accounts. Additionally, I require an open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with {$25000.00} of monthly credits, as per applicable law ( 15 U.S.C. 1602 ( j ) ), with the balance zeroed monthly via a special deposit of the interest-bearing coupons associated with the itemization statement. \nThis letter serves as your opportunity to cure and a notice of default for the servicing of accounts XXXX, XXXX, and XXXX. XXXX XXXX XXXX XXXX its agents, affiliates, subsidiaries, assignees, etc., XXXX only contact me via written correspondence. Failure to comply will result in further action. \nIn accordance with federal law and XXXX Department XXXX XXXX Treasury policy, this institution is prohibited from discriminating based on race, XXXX, national origin, XXXX, age, or XXXX. Submit a complaint of discrimination by mail to the XXXX Department XXXX XXXX Treasury, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, Washington, XXXX XXXX, ( XXXX ) XXXX ( phone ), ( XXXX ) XXXX ( fax ), or email XXXX Sincerely, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Mahone/Beneficiary ( Secured Party ) /Victim c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX [ XXXX ] Last XXXX of SS Number : XXXX XXXX XXXX XXXX XXXX ( Representative ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Acct XXXX Account # : XXXX XXXX Account # : XXXX ; Account # : XXXX - POLICY GAR XXXX XXXX - Billing Error and Fraud - Failure to Comply with Legal Notice and Demand and Demand for Legal Bill Dear XXXX XXXX, I am writing to bring to your attention a series of serious concerns regarding the handling of my accounts ( Account # XXXX : XXXX, XXXX, XXXX ). My concerns involve multiple federal violations and discrimination issues, including, but not limited to, XXXX VI, the Age Discrimination Act, Title XXXX, Section XXXX, and the Fair Housing Act. \nDiscrimination Claims XXXX VI : No person in the United States shall, on the grounds of race, XXXX, or national origin, be excluded from participation, denied the benefits of, or subjected to discrimination under any program or activity receiving federal financial assistance. \nAge Discrimination Act : No person in the United States shall, on the basis of age, be excluded from participation, denied the benefits of, or subjected to discrimination under any program or activity receiving federal financial assistance. \nTitle XXXX : No person in the United States shall, on the basis of XXXX, be excluded from participation, denied the benefits of, or subjected to discrimination under any education program or activity receiving federal financial assistance. \nSection XXXX : No qualified individual with a XXXX in the United States shall, solely by reason of her or his XXXX, be excluded from participation, denied the benefits of, or subjected to discrimination under any program or activity receiving federal financial assistance. \nXXXX XXXX XXXX : Prohibits discrimination because of race, XXXX, national origin, religion, XXXX, familial status, and XXXX. It is illegal to discriminate in the sale or rental of housing, including against individuals seeking a mortgage or housing assistance, or in other housing-related services or activities. \nFraud and Federal Violations Additionally, I have reason to believe that XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks XXXX and its affiliates/partners have conspired to violate several federal laws, including but not limited to : Emergency Banking Act ( XXXX ) XXXX XXXX XXXX ( SEA ) of XXXX and XXXX Foreign Corrupt Practices Act ( FCPA ) Bank Secrecy Act ( BSA ) Indenture Trustee Act ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Reform and Consumer Protection Act Fair Debt Collection Practices Act ( FDCPA ) Federal Trade Commission ( FTC ) XXXX Equal Credit Opportunity Act ( ECOA ) Fair Credit Reporting Act ( FCRA ) Truth-in-Lending Act ( TILA ) Federal Reserve Boards Regulations B and Z Gramm-Leach-Bliley Act ( GLBA ) Fair Credit Extension Uniformity Act ( XXXX ) XXXX XXXX and Corrupt Organizations Act ( XXXX ) Magnuson-Moss Warranty Act ( XXXX ) Uniform Commercial Code ( UCC ) State Motor Vehicle Retail Installment Sale and Loan Acts State Servicing Laws State Insurance Laws You have been requiring Federal Reserve notes as payment, despite the application with financial information ( social security number XXXX XXXX as an asset satisfying the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) and 17 CFR 260.11b-6. This unauthorized use, without any benefit to me, constitutes a breach of fiduciary duty ( U.C.C. 3-307 ).\n\nDemands and Notice of Default I demand that all credits be returned on all remittances/coupons from the inception of the accounts. Additionally, I demand an open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with {$25000.00} of monthly credits, zeroed on a monthly basis via a special deposit of the interest-bearing coupons associated with the itemization statement.\n\nThis letter serves as your opportunity to cure and notice of default for the servicing of the aforementioned accounts. XXXX XXXX XXXX XXXX  and any of its agents, affiliates, subsidiaries, assignees, etc., may NOT contact me by any means other than written correspondence. Failure to comply may result in further legal action. \nLegal Violations In accordance with : 18 U.S. Code 1341-Frauds and swindles 18 U.S. Code 1342-Fictitious name or address 18 U.S. Code 1344-Bank fraud 18 U.S. Code 1345-Injunctions against fraud 18 U.S. Code 1346- Definition of \" scheme or artifice to defraud '' 18 U.S. Code 1348-Securities and commodities fraud 18 U.S. Code 1349 : Attempt and conspiracy 18 U.S. Code 1350-Failure of corporate officers to certify financial reports 18 USC 1352 : Demands by foreign officials for bribes Pursuant to the Uniform Commercial Code 9-210, this is a record authenticating by the 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 specific date and reasonably identifying the transaction or relationship that is the subject of the request. \n\nFinal Notice In accordance with federal law and XXXX Department XXXX XXXX Treasury policy, this institution is prohibited from discriminating based on race, XXXX, national origin, XXXX, age, or XXXX. Submit a complaint of discrimination by mail to the XXXX Department XXXX XXXX Treasury, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX, ( XXXX ) XXXX ( phone ), ( XXXX ) XXXX ( fax ), or email XXXX. \n\n\nCC : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  SEC XXXX XXXX : XXXX BENEFICIARY WITHOUT PREJUDICE Pursuant to UCC 1-308 ALL RIGHTS RESERVED","date_sent_to_company":"2024-08-16T20:49:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"9824476","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-16T20:49:48.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Fraud and Federal Law Violations <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> BANK, along with its affiliates and partners, has intentionally violated multiple federal laws, including but not limited to : The Emergency Banking Act ( <em>XXXX</em> ) The <em>Securities</em> <em>XXXX</em> <em>XXXX</em> ( SEA ) of <em>XXXX</em> and <em>XXXX</em> The <em>Foreign</em> <em>Corrupt</em> <em>Practices</em> Act ( <em>XXXX</em> ) The Bank Secrecy Act ( BSA ) The Indenture Trustee Act ( <em>XXXX</em> ) The Consumer Financial Protection Act ( <em>XXXX</em> ) The <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Reform and Consumer Protection Act The Fair Debt Collection <em>Practices</em>"]},"sort":[14.013139,"9824476"]},{"_index":"complaint-public-v1","_id":"9821185","_score":13.994333,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX : Mahone/Beneficiary ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX XXXX, GA XXXX [ XXXX ] Last XXXX XXXX SS XXXX XXXX ( Representative ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Attention : XXXX XXXX XXXX XX/XX/XXXX XXXX : Acct # XXXX XXXX Account # XXXX ; Account # XXXX and Billing Error and Fraud - Failure to Comply with Legal Notice and Demand/REQUEST TRUE BILL Dear XXXX XXXX, I am writing to address several serious concerns regarding my accounts with XXXX XXXX XXXX XXXX XXXX. My accounts XXXX, XXXX, and XXXX POLICY GAR XXXX XXXX have been subjected to discriminatory practices and fraudulent activities, violating numerous federal laws and regulations. This letter serves as a formal notice of these violations and a demand for immediate corrective action. \nDiscrimination Claims Under Title VI of the Civil Rights XXXX, the Age Discrimination Act, Title XXXX of the Education Amendments, Section XXXX of the XXXX XXXX, and the Fair Housing Act, no person in the United States shall be discriminated against based on race, XXXX, national origin, age, XXXX, XXXX, or familial status. XXXX XXXX XXXX BANK has failed to comply with these statutes by engaging in discriminatory practices, which has led to significant harm and prejudice against me. \nFraud and Federal Law Violations XXXX XXXX XXXX BANK, along with its affiliates and partners, has intentionally violated multiple federal laws, including but not limited to : The Emergency Banking Act ( XXXX ) The Securities XXXX XXXX ( SEA ) of XXXX and XXXX The Foreign Corrupt Practices Act ( XXXX ) The Bank Secrecy Act ( BSA ) The Indenture Trustee Act ( XXXX ) The Consumer Financial Protection Act ( XXXX ) The XXXX XXXX XXXX Reform and Consumer Protection Act The Fair Debt Collection Practices Act ( FDCPA ) The Federal Trade Commission ( FTC ) Act The Equal Credit Opportunity Act ( ECOA ) The Fair Credit Reporting Act ( FCRA ) The Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of XXXX The Truth-in-Lending Act ( TILA ) The Federal Reserve Boards Regulations B and Z ( FRA ) The Gramm-Leach-Bliley Act ( GLBA ) The Fair Credit Extension Uniformity Act ( XXXX ) The Racketeering Influenced and Corrupt Organizations Act ( XXXX ) The Magnuson-Moss Warranty Act ( MMWA ) The Uniform Commercial Code ( UCC ) State adaptations of the Uniform Consumer Credit Code ( UCCC ) State motor vehicle retail installment sale and loan Acts State servicing laws State insurance laws The Social Security Number Privacy Act Unauthorized Use and Breach of Fiduciary Duty XXXX XXXX XXXX XXXX has been requiring Federal Reserve notes as payment XXXX XXXX XXXX XXXX financial information serving XXXX XXXX asset, satisfying the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) and self-liquidating paper under 17 CFR 260.11b-6. This unauthorized use and failure to provide benefits constitute a breach of fiduciary duty under U.C.C. 3-307.\n\nI demand that all financial assets be returned to me within three ( 3 ) business days, or be accepted for their intended purpose within the same period. Failure to comply will result in an SEC complaint under 17 CFR 240.15c1-2 and 17 CFR 240.10b-5, as well as an IRS complaint for abusive tax scheme Redemption of Remittance Coupons You have been redeeming remittance coupons as non-cash items ( 12 CFR 210.2 ( k ) /12 CFR 229.2 ( u ) ( 4 ) ). Pursuant to 15 U.S Code 1691 ( C ), you assume civil liability under 15 U.S Code 1691 ( K ). XXXX XXXX XXXX XXXX XXXX XXXX  has violated my federally protected consumer rights. \nDemand for Correction I demand all credits be returned on all remittances/coupons from the inception of the accounts. Additionally, I require an open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with {$25000.00} of monthly credits, as per applicable law ( 15 U.S.C. 1602 ( j ) ), with the balance zeroed monthly via a special deposit of the interest-bearing coupons associated with the itemization statement. \nThis letter serves as your opportunity to cure and a notice of default for the servicing of accounts XXXX, XXXX, and XXXX. XXXX XXXX XXXX XXXX its agents, affiliates, subsidiaries, assignees, etc., may only contact me via written correspondence. Failure to comply will result in further action.\n\nIn accordance with federal law and U.S. Department of the Treasury policy, this institution is prohibited from discriminating based on race, XXXX, national origin, XXXX, age, or XXXX. Submit a complaint of discrimination by mail to the U.S. Department of the Treasury, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX, ( XXXX ) XXXX ( phone ), ( XXXX ) XXXX ( fax ), or email XXXX Sincerely, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Mahone/Beneficiary ( Secured Party ) /Victim c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX [ XXXX ] Last XXXX of SS Number : XXXX XXXX XXXX XXXX XXXX ( Representative ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Acct XXXX Account # : XXXX XXXX Account # : XXXX ; Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Billing Error and Fraud - Failure to Comply with Legal Notice and Demand and Demand for Legal Bill Dear XXXX XXXX, I am writing to bring to your attention a series of serious concerns XXXX the handling of my accounts ( Account # XXXX : XXXX, XXXX, XXXX ). My concerns involve multiple federal violations and discrimination issues, including, but not limited to, Title VI, the Age Discrimination Act, Title IX, Section 504, and the Fair Housing Act.\n\nDiscrimination Claims Title VI : No person in the United States shall, on the grounds of race, color, or national origin, be excluded from participation, denied the benefits of, or subjected to discrimination under any program or activity receiving federal financial assistance. \nAge Discrimination Act : No person in the United States shall, on the basis of age, be excluded from participation, denied the benefits of, or subjected to discrimination under any program or activity receiving federal financial assistance.\n\nTitle IX : No person in the United States shall, on the basis of sex, be excluded from participation, denied the benefits of, or subjected to discrimination under any education program or activity receiving federal financial assistance.\n\nSection 504 : No qualified individual with a disability in the United States shall, solely by reason of her or his disability, be excluded from participation, denied the benefits of, or subjected to discrimination under any program or activity receiving federal financial assistance.\n\nFair Housing Act : Prohibits discrimination because of race, color, national origin, religion, sex, familial status, and disability. It is illegal to discriminate in the sale or rental of housing, including against individuals seeking a mortgage or housing assistance, or in other housing-related services or activities.\n\nFraud and Federal Violations Additionally, I have reason to believe that XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks XXXX and its affiliates/partners have conspired to violate several federal laws, including but not limited to : Emergency Banking Act ( XXXX ) XXXX XXXX XXXX ( SEA ) of XXXX and XXXX Foreign Corrupt Practices Act ( FCPA ) Bank Secrecy Act ( BSA ) Indenture Trustee Act ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Reform and Consumer Protection XXXX Fair Debt Collection Practices Act ( FDCPA ) Federal Trade Commission ( FTC ) Act Equal Credit Opportunity Act ( ECOA ) Fair Credit Reporting Act ( FCRA ) Truth-in-Lending Act ( TILA ) Federal Reserve Boards Regulations B and Z Gramm-Leach-Bliley Act ( GLBA ) Fair Credit Extension Uniformity Act ( XXXX ) XXXX XXXX and Corrupt Organizations Act ( XXXX ) Magnuson-Moss Warranty Act ( XXXX ) Uniform Commercial Code ( UCC ) State Motor Vehicle Retail Installment Sale and Loan Acts State Servicing Laws State Insurance Laws You have been requiring Federal Reserve notes as payment, despite the application with financial information ( social security number ) serving as an asset satisfying the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) and 17 CFR 260.11b-6. This unauthorized use, without any benefit to me, constitutes a breach of fiduciary duty ( U.C.C. 3-307 ).\n\nDemands and Notice of Default I demand that all credits be returned on all remittances/coupons from the inception of the accounts. Additionally, I demand an open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with {$25000.00} of monthly credits, zeroed on a monthly basis via a special deposit of the interest-bearing coupons associated with the itemization statement.\n\nThis letter serves as your opportunity to cure and notice of default for the servicing of the aforementioned accounts. XXXX XXXX XXXX XXXX  and any of its agents, affiliates, subsidiaries, assignees, etc., may NOT contact me by any means other than written correspondence. Failure to comply may result in further legal action.\n\nLegal Violations In accordance with : 18 U.S. Code 1341-Frauds and swindles 18 U.S. Code 1342-Fictitious name or address 18 U.S. Code 1344-Bank fraud 18 U.S. Code 1345-Injunctions against fraud 18 U.S. Code 1346- Definition of \" scheme or artifice to defraud '' 18 U.S. Code 1348-Securities and commodities fraud 18 U.S. Code 1349 : Attempt and conspiracy 18 U.S. Code 1350-Failure of corporate officers to certify financial reports 18 USC 1352 : Demands by foreign officials for bribes Pursuant to the Uniform Commercial Code 9-210, this is a record authenticating by the 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 specific date and reasonably identifying the transaction or relationship that is the subject of the request. \n\nFinal Notice In accordance with federal law and U.S. Department of the Treasury policy, this institution is prohibited from discriminating based on race, color, national origin, sex, age, or disability. Submit a complaint of discrimination by mail to the U.S. Department of the Treasury, Office of Civil Rights and Equal Employment XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX, ( XXXX ) XXXX ( phone ), ( XXXX ) XXXX ( fax ), or email XXXX. \n\n\nCC : XXXX XXXX XXXX XXXX XXXX FBI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX BENEFICIARY WITHOUT PREJUDICE Pursuant to UCC 1-308 ALL RIGHTS RESERVED","date_sent_to_company":"2024-08-16T20:49:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"9821185","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-16T20:49:48.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Fraud and Federal Law Violations <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> BANK, along with its affiliates and partners, has intentionally violated multiple federal laws, including but not limited to : The Emergency Banking Act ( <em>XXXX</em> ) The <em>Securities</em> <em>XXXX</em> <em>XXXX</em> ( SEA ) of <em>XXXX</em> and <em>XXXX</em> The <em>Foreign</em> <em>Corrupt</em> <em>Practices</em> Act ( <em>XXXX</em> ) The Bank Secrecy Act ( BSA ) The Indenture Trustee Act ( <em>XXXX</em> ) The Consumer Financial Protection Act ( <em>XXXX</em> ) The <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Reform and Consumer Protection Act The Fair Debt Collection <em>Practices</em>"]},"sort":[13.994333,"9821185"]},{"_index":"complaint-public-v1","_id":"6119204","_score":13.941011,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"in regards to XXXX notice sent out with account number XXXX and confirmation of # XXXX is grammatically corrupt due to language fraud which violates 15 U.S. Code 1692f - Unfair practices-A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 U.S. Code 1692d - Harassment or abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. The document was addressed to an all capital symbol person which is a corporation and is not the Living Man yet XXXX is uttering forgery 1 of public record counterfeit documents which contains language fraud and is not written in XXXX. The document is evidence of identity theft by the alter, trading and selling of the social security card, name and account number between financial institution. Any document that has different languages written on it is null and void. The document has written in XXXX the Status which says paid as agreed, so who's paying on the account and Eye need proof from the accountant and the underwriter for such counterfeit documents uttered by XXXX? Members of Congress are aiding and abetting in foreign terrorism because financial corporations that are outsourced in XXXX are committing crimes against XXXX XXXX XXXX, Women, Sons and Daughters everyday. How does Man who's the creation of God ( The Creator and the Sovereign ) becomes pre-approved to be generated in the database of corporations without due process of law and without express contract for offer, acceptance and/or rejection? it can't happen. Also XXXX failed to validate the debt by producing the contracts that the Natural Living Man has with Men and Women of XXXXU.S. Department of Education when there's no lawful money to pay debts and debts don't exist with Living Men and/or Women, its the corporations who are in debt and the United States Corporation is obligated to pay the People back what their owed in accordance with Article 1, Section 10, Clause 1 and 18 U.S.C. 8. Provide who's the surety, and co-surety? who's the granter and who's the beneficiary? and list the insurance companies involved because all this information is much needed. Who's account did the funds come from and who's hands received the funds that employees of XXXXU.S. Department of Education claim is owed when they weren't apart of any contract that proves elements of a contract regarding the meeting of the minds? Who purchased the debt that is owed to the holder in due course of the security instrument?","date_sent_to_company":"2022-10-23T23:09:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"37115","tags":null,"has_narrative":true,"complaint_id":"6119204","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-10-23T23:09:25.000Z","state":"TN","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":["in regards to <em>XXXX</em> notice sent out with account number <em>XXXX</em> and confirmation of # <em>XXXX</em> is grammatically <em>corrupt</em> due to language fraud which violates 15 U.S. Code 1692f - Unfair <em>practices</em>-A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt."]},"sort":[13.941011,"6119204"]},{"_index":"complaint-public-v1","_id":"6119206","_score":13.933713,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"in regards to XXXX notice sent out with account number XXXX and confirmation of # XXXX is grammatically corrupt due to language fraud which violates 15 U.S. Code 1692f - Unfair practices-A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 U.S. Code 1692d - Harassment or abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. The document was addressed to an all capital symbol person which is a corporation and is not the Living Man yet XXXX is uttering forgery 1 of public record counterfeit documents which contains language fraud and is not written in XXXX. The document is evidence of identity theft by the alter, trading and selling of the social security card, name and account number between financial institution. Any document that has different languages written on it is null and void. The document has written in XXXX the Status which says paid as agreed, so who's paying on the account and Eye need proof from the accountant and the underwriter for such counterfeit documents uttered by XXXX? Members of Congress are aiding and abetting in foreign terrorism because financial corporations that are outsourced in XXXX are committing crimes against XXXX XXXX XXXX, Women, Sons and Daughters everyday. How does Man who's the creation of God ( The Creator and the Sovereign ) becomes pre-approved to be generated in the database of corporations without due process of law and without express contract for offer, acceptance and/or rejection? it can't happen. Also XXXX failed to validate the debt by producing the contracts that the Natural Living Man has with Men and Women of XXXX. Department of Education when there's no lawful money to pay debts and debts don't exist with Living Men and/or Women, its the corporations who are in debt and the United States Corporation is obligated to pay the People back what their owed in accordance with Article 1, Section 10, Clause 1 and 18 U.S.C. 8. Provide who's the surety, and co-surety? who's the granter and who's the beneficiary? and list the insurance companies involved because all this information is much needed. Who's account did the funds come from and who's hands received the funds that employees of XXXX. Department of Education claim is owed when they weren't apart of any contract that proves elements of a contract regarding the meeting of the minds? Who purchased the debt that is owed to the holder in due course of the security instrument?","date_sent_to_company":"2022-10-23T23:09:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"37115","tags":null,"has_narrative":true,"complaint_id":"6119206","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-10-23T23:09:25.000Z","state":"TN","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":["in regards to <em>XXXX</em> notice sent out with account number <em>XXXX</em> and confirmation of # <em>XXXX</em> is grammatically <em>corrupt</em> due to language fraud which violates 15 U.S. Code 1692f - Unfair <em>practices</em>-A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt."]},"sort":[13.933713,"6119206"]},{"_index":"complaint-public-v1","_id":"9824478","_score":13.928767,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX : Mahone/Beneficiary ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX XXXX, GA XXXX [ XXXX ] Last XXXX XXXX SS XXXX XXXX ( Representative ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Attention : XXXX XXXX XXXX XX/XX/XXXX XXXX : Acct # XXXX XXXX Account # XXXX ; Account # XXXX and Billing Error and Fraud - Failure to Comply with Legal Notice and Demand/REQUEST TRUE BILL Dear XXXX XXXX, I am writing to address several serious concerns regarding my accounts with XXXX XXXX XXXX XXXXXXXX XXXX My accounts XXXX, XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX have been subjected to discriminatory practices and fraudulent activities, violating numerous federal laws and regulations. This letter serves as a formal notice of these violations and a demand for immediate corrective action. \nDiscrimination Claims Under Title VI of the Civil Rights Act, the Age Discrimination Act, Title IX of the Education Amendments, Section 504 of the Rehabilitation Act, and the Fair Housing Act, no person in the United States shall be discriminated against based on race, XXXX, national origin, age, XXXX, XXXX, or familial status. XXXX XXXX XXXX XXXX  has failed to comply with these statutes by engaging in discriminatory practices, which has led to significant harm and prejudice against me. \nFraud and Federal Law Violations XXXX XXXX XXXX XXXX, along with its affiliates and partners, has intentionally violated multiple federal laws, including but not limited to : The Emergency Banking Act ( EBA ) The Securities Exchange Act ( SEA ) of 1933 and 1934 The Foreign Corrupt Practices Act ( FCPA ) The Bank Secrecy Act ( BSA ) The Indenture Trustee Act ( TIA ) The Consumer Financial Protection Act ( CFPA ) The XXXX XXXX XXXX Reform and Consumer Protection Act The Fair Debt Collection Practices Act ( FDCPA ) The Federal Trade Commission ( FTC ) Act The Equal Credit Opportunity Act ( ECOA ) The Fair Credit Reporting Act ( FCRA ) The Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of XXXX The Truth-in-Lending Act ( TILA ) The Federal Reserve Boards Regulations B and Z ( FRA ) The Gramm-Leach-Bliley Act ( GLBA ) The Fair Credit Extension Uniformity Act ( XXXX ) The Racketeering Influenced and Corrupt Organizations Act ( XXXX ) The Magnuson-Moss Warranty Act ( MMWA ) The Uniform Commercial Code ( UCC ) State adaptations of the Uniform Consumer Credit Code ( UCCC ) State motor vehicle retail installment sale and loan Acts State servicing laws State insurance laws The Social Security Number Privacy Act Unauthorized Use and Breach of Fiduciary Duty XXXX XXXX XXXX XXXX  has been requiring Federal Reserve notes as payment despite my application with financial information serving as an asset, satisfying the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) and self-liquidating paper under 17 CFR 260.11b-6. This unauthorized use and failure to provide benefits constitute a breach of fiduciary duty under U.C.C. 3-307. \nI demand that all financial assets be returned to me within three ( 3 ) business days, or be accepted for their intended purpose within the same period. Failure to comply will result in an SEC complaint under 17 CFR 240.15c1-2 and 17 CFR 240.10b-5, as well as an IRS complaint for abusive tax scheme Redemption of Remittance Coupons You have been redeeming remittance coupons as non-cash items ( 12 CFR 210.2 ( k ) /12 CFR 229.2 ( u ) ( 4 ) ). Pursuant to 15 U.S Code 1691 ( C ), you assume civil liability under 15 U.S Code 1691 ( K ). XXXX XXXX XXXX XXXX XXXX Bank has violated my federally protected consumer rights. \nDemand for Correction I demand all credits be returned on all remittances/coupons from the inception of the accounts. Additionally, I require an open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with {$25000.00} of monthly credits, as per applicable law ( 15 U.S.C. 1602 ( j ) ), with the balance zeroed monthly via a special deposit of the interest-bearing coupons associated with the itemization statement. \nThis letter serves as your opportunity to cure and a notice of default for the servicing of accounts XXXX, XXXX, and XXXX. XXXX XXXX XXXX XXXX its agents, affiliates, subsidiaries, assignees, etc., may only contact me via written correspondence. Failure to comply will result in further action.\n\nIn accordance with federal law and U.S. Department of the Treasury policy, this institution is prohibited from discriminating based on race, XXXX, national origin, XXXX, age, or XXXX. Submit a complaint of discrimination by mail to the U.S. Department of the Treasury, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX, ( XXXX ) XXXX ( phone ), ( XXXX ) XXXX ( fax ), or email XXXX Sincerely, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Mahone/Beneficiary ( Secured Party ) /Victim c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX [ XXXX ] Last XXXX of SS Number : XXXX XXXX XXXX XXXX XXXX ( Representative ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Acct XXXX Account # : XXXX XXXX Account # : XXXX ; Account # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX - Billing Error and Fraud - Failure to Comply with Legal Notice and Demand and Demand for Legal Bill Dear XXXX XXXX, I am writing to bring to your attention a series of serious concerns regarding the handling of my accounts ( Account # XXXX : XXXX, XXXX, XXXX ). My concerns involve multiple federal violations and discrimination issues, including, but not limited to, XXXX VI, the Age Discrimination Act, Title XXXX, Section XXXX, and the Fair Housing Act. \nDiscrimination Claims XXXX VI : No person in the United States shall, on the grounds of race, XXXX, or national origin, be excluded from participation, denied the benefits of, or subjected to discrimination under any program or activity receiving federal financial assistance. \nAge Discrimination Act : No person in the United States shall, on the basis of age, be excluded from participation, denied the benefits of, or subjected to discrimination under any program or activity receiving federal financial assistance. \nTitle XXXX : No person in the United States shall, on the basis of XXXX, be excluded from participation, denied the benefits of, or subjected to discrimination under any education program or activity receiving federal financial assistance. \nSection XXXX : No qualified individual with a XXXX in the United States shall, solely by reason of her or his XXXX, be excluded from participation, denied the benefits of, or subjected to discrimination under any program or activity receiving federal financial assistance. \nXXXX XXXX XXXX : Prohibits discrimination because of race, XXXX, national origin, religion, XXXX, familial status, and XXXX. It is illegal to discriminate in the sale or rental of housing, including against individuals seeking a mortgage or housing assistance, or in other housing-related services or activities. \nFraud and Federal Violations Additionally, I have reason to believe that XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Banks XXXX and its affiliates/partners have conspired to violate several federal laws, including but not limited to : Emergency Banking Act ( XXXX ) XXXX XXXX XXXX ( SEA ) of XXXX and XXXX Foreign Corrupt Practices Act ( FCPA ) Bank Secrecy Act ( BSA ) Indenture Trustee Act ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Reform and Consumer Protection XXXX Fair Debt Collection Practices Act ( FDCPA ) Federal Trade Commission ( FTC ) XXXX Equal Credit Opportunity Act ( ECOA ) Fair Credit Reporting Act ( FCRA ) Truth-in-Lending Act ( TILA ) Federal Reserve Boards Regulations B and Z Gramm-Leach-Bliley Act ( GLBA ) Fair Credit Extension Uniformity Act ( XXXX ) XXXX XXXX and Corrupt Organizations Act ( XXXX ) Magnuson-Moss Warranty Act ( XXXX ) Uniform Commercial Code ( UCC ) State Motor Vehicle Retail Installment Sale and Loan Acts State Servicing Laws State Insurance Laws You have been requiring Federal Reserve notes as payment, despite the application with financial information ( social security number ) serving as an asset satisfying the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) and 17 CFR 260.11b-6. This unauthorized use, without any benefit to me, constitutes a breach of fiduciary duty ( U.C.C. 3-307 ). \nDemands and Notice of Default XXXX demand that all credits be returned on all remittances/coupons from the inception of the accounts. Additionally, I demand an open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with {$25000.00} of monthly credits, zeroed on a monthly basis via a special deposit of the interest-bearing coupons associated with the itemization statement.\n\nThis letter serves as your opportunity to cure and notice of default for the servicing of the aforementioned accounts. XXXX XXXX XXXX Bank and any of its agents, affiliates, subsidiaries, assignees, etc., may NOT contact me by any means other than written correspondence. Failure to comply may result in further legal action. \nLegal Violations In accordance with : 18 U.S. Code 1341-Frauds and swindles 18 U.S. Code 1342-Fictitious name or address 18 U.S. Code 1344-Bank fraud 18 U.S. Code 1345-Injunctions against fraud 18 U.S. Code 1346- Definition of \" scheme or artifice to defraud '' 18 U.S. Code 1348-Securities and commodities fraud 18 U.S. Code 1349 : Attempt and conspiracy 18 U.S. Code 1350-Failure of corporate officers to certify financial reports 18 USC 1352 : Demands by foreign officials for bribes Pursuant to the Uniform Commercial Code 9-210, this is a record authenticating by the 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 specific date and reasonably identifying the transaction or relationship that is the subject of the request. \n\nFinal Notice In accordance with federal law and XXXX Department XXXX XXXX Treasury policy, this institution is prohibited from discriminating based on race, XXXX, national origin, XXXX, age, or XXXX. Submit a complaint of discrimination by mail to the XXXX Department XXXX XXXX Treasury, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, Washington, XXXX XXXX, ( XXXX ) XXXX ( phone ), ( XXXX ) XXXX ( fax ), or email XXXX. \n\n\nXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX BENEFICIARY WITHOUT PREJUDICE Pursuant to UCC 1-308 ALL RIGHTS RESERVED","date_sent_to_company":"2024-08-16T20:49:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"9824478","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-16T20:49:48.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Fraud and Federal Law Violations <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, along with its affiliates and partners, has intentionally violated multiple federal laws, including but not limited to : The Emergency Banking Act ( EBA ) The <em>Securities</em> Exchange Act ( SEA ) of 1933 and 1934 The <em>Foreign</em> <em>Corrupt</em> <em>Practices</em> Act ( FCPA ) The Bank Secrecy Act ( BSA ) The Indenture Trustee Act ( TIA ) The Consumer Financial Protection Act ( CFPA ) The <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Reform and Consumer Protection Act The Fair Debt Collection <em>Practices</em>"]},"sort":[13.928767,"9824478"]},{"_index":"complaint-public-v1","_id":"6119205","_score":13.810822,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"in regards to equifax notice sent out with account number XXXX and confirmation of # XXXX is grammatically corrupt due to language fraud which violates 15 U.S. Code 1692f - Unfair practices-A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 U.S. Code 1692d - Harassment or abuse : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. The document was addressed to an all capital symbol person which is a corporation and is not the Living Man yet equifax is uttering forgery 1 of public record counterfeit documents which contains language fraud and is not written in XXXX. The document is evidence of identity theft by the alter, trading and selling of the social security card, name and account number between financial institution. Any document that has different languages written on it is null and void. The document has written in XXXX the Status which says paid as agreed, so who's paying on the account and Eye need proof from the accountant and the underwriter for such counterfeit documents uttered by equifax? Members of Congress are aiding and abetting in foreign terrorism because financial corporations that are outsourced in XXXX are committing crimes against XXXX XXXX XXXX, Women, Sons and Daughters everyday. How does Man who's the creation of God ( The Creator and the Sovereign ) becomes pre-approved to be generated in the database of corporations without due process of law and without express contract for offer, acceptance and/or rejection? it can't happen. Also equifax failed to validate the debt by producing the contracts that the Natural Living Man has with Men and Women of XXXXU.S. Department of Education when there's no lawful money to pay debts and debts don't exist with Living Men and/or Women, its the corporations who are in debt and the United States Corporation is obligated to pay the People back what their owed in accordance with Article 1, Section 10, Clause 1 and 18 U.S.C. 8. Provide who's the surety, and co-surety? who's the granter and who's the beneficiary? and list the insurance companies involved because all this information is much needed. Who's account did the funds come from and who's hands received the funds that employees of XXXXU.S. Department of Education claim is owed when they weren't apart of any contract that proves elements of a contract regarding the meeting of the minds? Who purchased the debt that is owed to the holder in due course of the security instrument?","date_sent_to_company":"2022-10-23T23:09:32.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"37115","tags":null,"has_narrative":true,"complaint_id":"6119205","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-10-23T23:09:25.000Z","state":"TN","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["in regards to equifax notice sent out with account number <em>XXXX</em> and confirmation of # <em>XXXX</em> is grammatically <em>corrupt</em> due to language fraud which violates 15 U.S. Code 1692f - Unfair <em>practices</em>-A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt."]},"sort":[13.810822,"6119205"]},{"_index":"complaint-public-v1","_id":"10541069","_score":11.682607,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XX/XX/XXXX, XXXXUpdated Information XXXXXXXX XXXX XXXX XXXX Director Federal Bureau of Investigation ( FBI ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Director Bureau of Consumer Protection Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney General U.S. Department of Justice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chief Internal Revenue Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acting Director U.S. Secret Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Homeland Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Foreign Corrupt Practices Act ( FCPA ) Unit U.S. Department of Justice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia Attorney General XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Justice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Non-Negotiable Notice of Rescission of Permission to Share Private Information Breach of Fiduciary Duties, Claims of Cestui Que Trust Fraud, Aggravated Identity Theft, Unauthorized Use of Assets , Breach of Fiduciary Duty, and Other Federal Violations of Embezzlement, Money Laundering, XXXX XXXX, Extortion, XXXX Slavery, CRIMINAL Prosecution Notice to Principal is Notice to Agent ; Notice to Agent is Notice to Principal. \n\" Fraud vitiates the most solemn Contracts, documents, and even judgments. '' This quote from U.S. vs. XXXX, 98 US 61, at pg. 65 confirms that fraud nullifies any agreement, document, or even judgment that is based on fraudulent activities. As such, any contractual agreement I may have signed is rendered void due to the fraudulent actions of the involved parties. \nI, XXXX XXXX XXXX, the living woman, XXXX XXXX , and sole beneficiary of the Estate of XXXX XXXX XXXX , hereby issue this NON-NEGOTIABLE NOTICE OF RESCISSION OF PERMISSION to share, disclose, transfer, or distribute my private, personal, or estate information in any form, electronic or otherwise, by any entity, corporation, government agency, individual, or other legal body. This rescission applies to any and all permissions or consent that may have been previously assumed, granted, or implied. \nThis is a formal, non-negotiable notice of rescission of any and all permissions, explicit or implied, to share, distribute, disclose, or otherwise use my private information for any purposes, effective immediately. This includes unauthorized sharing of personal data such as Social Security numbers, tax identification numbers, financial details, and other personally identifiable information ( PII ). \nXXXXnauthorized Administration of Estate and Revocation of IRS Form 2848 Power of Attorney I, XXXX XXXX XXXX, XXXX of the Estate of XXXX XXXX XXXX , hereby notify you of the unauthorized administration of the estate and the immediate revocation of any Power of Attorney ( IRS Form 2848 ) previously granted. Any criminal misuse of my estate or identity by trustees or financial institutions will result in legal action and criminal prosecution. \nRevocation of IRS Form 56 and 56-F I hereby REVOKE any and all IRS Form 56 ( Notice Concerning Fiduciary Relationship ), and IRS Form 56-F filed on my behalf regarding any fiduciary relationship that may have been established without my consent or knowledge. This revocation is immediate, and I demand that the IRS recognize that no individual, agency, or entity has the authority to act in a fiduciary capacity for my estate or private trust without my explicit, written, and signed consent. \nAll previous appointments of fiduciaries are null and void as of this notice, and any actions taken based on such authority will be deemed fraudulent and subject to criminal prosecution. \nUnauthorized Use of Financial Information and Breach of Fiduciary Duty The named Corporations have been unlawfully requiring Federal Reserve notes as payment when, in fact, the application with financial information ( social security number ) attached serves as an asset that satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ). Additionally, this is considered self-liquidating paper under 17 CFR 260.11b-6, and its unauthorized use constitutes a breach of fiduciary duty under U.C.C. 3-307. \nI have received no benefit as the beneficiary of the Cesti Que Trust Account for XXXX XXXX XXXX from any unauthorized use of my financial information and assets. Therefore, this serves as formal notice that if the aforementioned financial assets are not returned to the creditor/bailor/beneficiary via mail or accepted for their intended purpose within three ( 3 ) business days of the recipient receiving this notice, a complaint with the Securities and Exchange Commission ( SEC ) pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. \nMoreover, an IRS complaint will be submitted for abusive tax schemes, Corporate Corruption involving the SEC-filed trust arrangement, supported by the following legal provisions under 18 U.S. Code : Application of 12 CFR 1026.13, Extension of Credit, and Definition of Account Since the inception of the account, which is defined under 12 CFR 1002.2, it is recognized as an extension of credit, with the term account specifically referring to open-ended credit. The nature of open-end credit is governed by Truth in Lending regulations ( 12 CFR 1026.2 ), which apply in this case. \nThe unauthorized administration of this open-end credit account, along with the failure to properly apply credits in my favor, supports my claims of fraud and improper handling of credit and personal information, thus furthering my rescission of permission for any entity to continue using or sharing this information. \nViolation of Anti-Discrimination Regulations In accordance with federal law and U.S. Department of the Treasury policy, this institution is prohibited from discriminating on the basis of race, color, national origin, XXXX, age, or disability. \nDiscriminatory practices have occurred ; I have submitted a formal complaint to the U.S. Department of the Treasury, Office of Civil Rights and Equal Employment Opportunity, per the following details : Mail : U.S. Department of the Treasury, Office of Civil Rights and Equal Employment Opportunity, XXXX XXXX XXXX. XXXX, XXXX, D.C. 2XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX Cestui Que Trust Fraud and Account Number Disclosure This also serves as a notification of Cestui Que Trust fraud related to the following accounts and exemption identifiers : Exemption ID Number : XXXX UCC Contract Account Number : XXXX Value : {>= $1,000,000} Any further unauthorized activity related to these accounts will be subject to immediate legal action and prosecution for fraud and breach of fiduciary duties. \nRequest for Accounting Ledger and Disclosure Pursuant to Uniform Commercial Code ( UCC ) 9-210, I hereby make a formal demand for the full accounting ledger of all transactions, credits, debits, securities, and collateral associated with all accounts under my name, estate, and private trust. This includes, but is not limited to : Checking and savings accounts Loan accounts Corporate accounts Insurance policies and claims Trust accounts I expect this information to be delivered to me in writing via certified mail within three ( 3 ) business days of receipt of this notice. \nThis notice is issued under the following grounds of violation and legal claims : Cestui Que Trust Fraud Aggravated Identity Theft Forgery of Signature on Contracts False Credit Reporting Discrimination as a Native American Non-U.S. Citizen, American National Fraudulent Reporting of Accounts and Transactions Embezzlement of Corporate Accounts Securities Fraud Insurance Fraud Mail Fraud and Wire Fraud Accounting Fraud Social Security Fraud Tax Evasion and False Exemptions or Deductions XXXX XXXX Grand Theft Larceny Collusion with the Federal Reserve Bank ( FRB ) Violations of FDIC, FCRA, FDCPA Breach of Fiduciary Duties and Criminal Conversion of Accounts held in Private Trust Civil Rights Violations Foreign Corrupt Practices Act of 1977, as amended ( 15 U.S.C. 78dd-1, et seq. ) Additionally, this rescission notice extends to fraud and copyright infringement in connection with the use or falsification of the following personal, corporate, and trust-related instruments : SSA-89 Form Securities related to the XXXX XXXX XXXX Estate Treasury Direct Account XXXX XXXX Applicable Federal Statutes and Legal Violations : 1. 15 U.S. Code 1692 - Fair Debt Collection Practices Act ( FDCPA ) Governs debt collectors ' practices, prohibiting abusive, deceptive, or unfair actions when collecting debts. \n2. 15 U.S. Code 1693 - Electronic Fund Transfer Act ( EFTA ) Protects consumers from unauthorized electronic transactions and provides error resolution processes. \n3. 18 U.S. Code 4 - Misprision of Felony Requires individuals aware of a felony to report it ; failure to do so can lead to prosecution. \n4. 18 U.S. Code 1589 - Forced Labor Prohibits coercing someone into providing labor through threats, violence, or manipulation. \n5. 18 U.S. Code 876 - Mailing Threatening Communications Criminalizes sending threats or extortion attempts through the mail. \n6. 18 U.S. Code 1341- Mail Fraud Criminalizes the use of the postal service in schemes to defraud individuals or entities of money or property. \n7. 18 U.S. Code 1343- Wire Fraud Similar to mail fraud, but applies to schemes using electronic communications ( e.g., phones, email, internet ). \n8. 18 U.S. Code 1346- Scheme or Artifice to Defraud Defines fraudulent schemes, particularly in cases where public officials or corporate executives deprive others of honest services. \n9. 18 U.S. Code 1593A - Benefitting Financially from Peonage, Slavery, and Trafficking in Persons Punishes those who knowingly benefit financially from XXXX XXXX XXXX, or forced labor. \n10. 31 U.S. Code 3729 ( a ) ( 1 ) - False Claims Act ( FCA ) Makes it illegal to knowingly submit false or fraudulent claims to the government for payment. \n11. U.C.C. 3-603 - Tender of Payment Obligates a creditor to accept tender of payment for a negotiable instrument, thereby discharging the debt. \n12. U.C.C. 3-604 - Discharge by Cancellation or Renunciation Allows for a debt obligation to be discharged when the creditor cancels or renounces their right to collect the debt. \n13. U.C.C. 3-605 - Discharge of Secondary Obligors Governs the discharge of secondary obligors ( e.g., co-signers ) when specific actions are taken by the creditor. \n14. FDIC 6000, Title VI 908 - Error Resolution ( Treble Damages ) Provides procedures for resolving errors in bank accounts and transactions, including the possibility of tripling damages ( treble damages ) in cases of violations. \nFederal Credit Reporting Violations - FCRA The Fair Credit Reporting Act ( FCRA ) governs the activities of credit reporting agencies like XXXX, XXXX, and XXXX. Violations may include failure to ensure accuracy or unauthorized sharing of credit information. \n15. 15 U.S.C. 1681n - Willful Noncompliance with FCRA 1. This statute imposes liability for willful violations of the FCRA, including failure to correct inaccurate credit information or unauthorized dissemination of credit reports. \n16. 15 U.S.C. 1681o - Negligent Noncompliance with FCRA 1. This addresses negligent failure to comply with the FCRA, such as failure to maintain accurate records or provide adequate dispute resolution. \n17. 15 U.S.C. 1681q - Obtaining Information Under False Pretenses 1. This criminalizes the unauthorized or fraudulent acquisition of credit report information. \nFederal Criminal Codes Related to Trust and Estate Fraud 1. 18 U.S.C. 1341 - Mail Fraud o This statute criminalizes the use of the postal service to carry out fraudulent schemes. If any fraud involving the Cestui Que Trust was conducted using the mail system, it would fall under this statute. \n2. 18 U.S.C. 1343 - Wire Fraud o Wire fraud occurs when electronic communication ( email, phone, internet ) is used as part of a scheme to defraud. This could apply if fraudulent administration or embezzlement of trust assets occurred via electronic means. \n3. 18 U.S.C. 371 - Conspiracy to Commit Fraud o This statute can be used if multiple parties, including corporate executives, conspired to commit fraud related to the administration of the Cestui Que Trust. \n4. 18 U.S.C. 656 - Embezzlement by Bank Officers or Employees o This law addresses embezzlement by officers or employees of financial institutions. It may be applicable if USAA or another financial institution was involved in unauthorized activities related to trust funds. \n5. 18 U.S.C. 664 - Embezzlement from Employee Benefit Plan o This statute covers embezzlement from employee benefit plans, but may also extend to trust funds depending on how they are managed. \n6. 18 U.S.C. 1344 - Bank Fraud o Bank fraud involves schemes to defraud a financial institution, which could include improper handling of trust accounts or assets. \n7. 18 U.S.C. 1956 - Money Laundering o Money laundering applies if fraudulent trust funds were funneled through various financial institutions to conceal their origin. \nThis document serves as a final and irrevocable statement that all aforementioned parties must cease and desist from any further unlawful use, sharing, or handling of my private information and assets. Any entity, government agency, or person found in violation will be subject to prosecution for damages and breaches under applicable local, national, and international law. \nThis notice applies to USAA, XXXX of XXXX, XXXX, XXXX, and XXXX executives for unauthorized administration, fiduciary breaches, and embezzlement. The beneficiary seeks criminal prosecution and assistance from the U.S. Secret Service and Homeland Security due to extortion, XXXX XXXX, forced labor against the will of the beneficiary, and FCRA violations. Additionally, USAA has failed to honor its oath and fiduciary duties, resulting in false claims, embezzlement, and money laundering. XXXX, XXXX, and XXXX are accused of receiving kickbacks and engaging in discrimination against a non-U.S. citizen American national. \nThere are also missing payments regarding consumer loan # XXXX after communication with USAA charge-off employee # XXXX. \nBroker-dealer fraud refers to misconduct by brokers or financial advisers that results in harm to their clients, often through unethical, deceptive, or illegal activities. This type of fraud can involve violations of federal securities laws and regulations, and it typically occurs in situations where brokers are responsible for managing or advising on investments. \nTypes of Broker-Dealer Fraud 1. Unauthorized Trading : o Executing trades without the clients authorization or knowledge. \n2. Churning : o Excessive trading in a clients account to generate commissions for the broker. \n3. Misrepresentation or Omission : o Providing false or misleading information about securities or failing to disclose important information, such as the risks associated with an investment. \n4. XXXX Schemes : o Promising high returns on investments while using new investors money to pay returns to earlier investors. \nXXXX. Failure to Execute Client Instructions : o Refusing or failing to execute a trade as directed by a client, especially if it benefits the broker at the client 's expense. \nXXXX. Unsuitable Investments : o Recommending investments that are not suitable for the client 's financial situation, goals, or risk tolerance. \nXXXX. Overcharging or Hidden Fees : o Charging excessive fees or not disclosing the full costs of trading or managing investments. \n\nFederal Laws and Regulations Governing Broker-Dealer Conduct Broker-dealers are primarily regulated by the Securities and Exchange Commission ( SEC ) and the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) . The following federal laws and rules are relevant in cases of broker-dealer fraud : 1. Securities Exchange Act of 1934 ( 15 U.S.C. 78j ) : o Section 10 ( b ) and Rule 10b-5 under the Securities Exchange Act of 1934 prohibit fraudulent and manipulative practices in connection with the purchase or sale of securities. \no Rule 10b-5 is particularly broad and prohibits any act or omission resulting in fraud or deceit in connection with securities transactions. \n2. Investment Advisers Act of 1940 ( 15 U.S.C. 80b-6 ) : o Section 206 of the Investment Advisers Act prohibits fraud by investment advisers, which can include brokers who offer advisory services. This statute also prohibits misleading clients, engaging in manipulative trading, or failing to disclose conflicts of interest. \n3. XXXX Rules : o XXXX XXXXule 2010 : Brokers must observe high standards of commercial honor and just and equitable principles of trade. \no XXXX Rule 2111 : Suitability Rule requires that brokers ensure that their investment recommendations are suitable based on the customers financial profile and objectives. \no XXXX Rule 4512 : Requires accurate and updated information about clients financial situations to determine suitable investments. \n4. 18 U.S.C. 1348 - Securities and Commodities Fraud : o This statute criminalizes fraud in the securities and commodities markets and can apply to broker-dealers who engage in deceptive practices to defraud investors. \n5. 18 U.S.C. 1341 - Mail Fraud and 18 U.S.C. 1343 - Wire Fraud : o If a broker-dealer uses mail, electronic communications, or phone systems to carry out fraudulent schemes, they can be charged with mail or wire fraud. \n6. Racketeer Influenced and Corrupt Organizations Act ( RICO ) - 18 U.S.C. 1961-1968 : o Broker-dealer fraud that is part of a larger pattern of criminal activity ( such as ongoing XXXX schemes or repeated fraudulent acts ) may be prosecuted under RICO. \n\nUSAA Federal Savings Bank has faced significant penalties due to violations of anti-money laundering ( XXXX ) regulations under the Bank Secrecy Act ( BSA ). In XX/XX/XXXX, XXXX imposed a {$140.00} XXXX civil money penalty on USAA for failing to maintain an effective XXXX program between XX/XX/XXXX and XX/XX/XXXX. This included the banks failure to report thousands of suspicious transactions, some of which were linked to potential criminal activity in customers ' personal accounts. Of the {$140.00} XXXX penalty, {$80.00} XXXX was imposed by XXXX, while {$60.00} XXXX came from the Office of the Comptroller of the Currency ( OCC ), which had identified similar compliance failures. The OCC had previously fined USAA {$85.00} XXXX in XXXX for deficiencies in its risk management framework, particularly regarding compliance with laws designed to protect military service membersThe recent regulatory actions underscore ongoing concerns about USAA 's internal controls and compliance with federal regulations aimed at preventing financial crimes. \nConclusion and Demand for Immediate Action This notice serves as a final and irrevocable statement. If the referenced financial assets are not returned or accepted for their intended use within three ( 3 ) business days, complaints will be filed with the SEC, IRS, and Department of Justice, as outlined above. \nYou are hereby directed to cease and desist any further unlawful handling of my private information, estate, or financial instruments. Any breach of this notice will result in further legal action for fraud, breach of fiduciary duties, and violations of federal law. \nFraud nullifies contracts : As affirmed by U.S. vs. XXXX, 98 US 61, pg. 65, fraud vitiates the most solemn contracts, documents, and even judgments. Any contractual obligation involving fraud is hereby null and void. \nSigned, XXXX XXXX XXXX Executrix/Sole Beneficiary UCC 1-308 Without Prejudice/Without XXXX Living Woman ; XXXX XXXX ; XXXX XXXX Principal Secured Party Master Account Holder Power of Attorney-in-Fact Certified Document : XXXX XXXX XXXX Estate EIN # : XXXXEstate EIN # : XXXX XXXX XXXX INDIVIDUAL PRIVATE BANKER CFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # : XXXXDOMESTIC FOREIGN GRANTOR TRUST ( PRIVATE ) , AND 98-FOREIGN TRUST ( PRIVATE ) TIN # : XXXX XXXX # : XXXX TREASURY DIRECT ACCT : XXXX","date_sent_to_company":"2024-10-22T16:28:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"10541069","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-10-22T16:07:52.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Department of Justice <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Chief Internal Revenue Service <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Acting Director U.S. Secret Service <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> U.S. Department of Homeland <em>Security</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>Foreign</em> <em>Corrupt</em> <em>Practices</em> Act ( FCPA ) Unit U.S."]},"sort":[11.682607,"10541069"]},{"_index":"complaint-public-v1","_id":"8067740","_score":9.883482,"_source":{"product":"Mortgage","complaint_what_happened":"Transfer of Lien Fraud and Violation of the XXXX XXXX XXXX Adjudicated Deferred Prosecution Agreement the DOJ. \n\nXXXX XXXX, Chief Executive Officer Caliber Home Loans , Inc., and XXXX XXXX, owner of XXXX XXXX XXXX and Caliber Home Loans , IncXXXX violated the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX DOJ Adjudicated Deferred Prosecution Agreement XXXX ( see in attachment ). Caliber became the XXXX for XXXX XXXX in XX/XX/XXXX. Caliber and XXXX XXXX XXXX  are Managerial Partners of real estate investment vehicle known as, XXXX XXXX XXXX XXXX XXXX XXXX  entered into an agreement to buy mortgages and HELOCs from XXXX XXXX XXXX. Caliber and XXXX XXXX XXXX failed to comply with the Sale or Merger section and the Anti Money Laundering rules of the DPA. XXXX XXXX XXXX and Caliber Home Loans , Inc. are Foreign-For-Profit entities and also must comply with the Foreign Corrupt Practices Act. \n\nSale or Merger of XXXX Parties The XXXX Parties agree that in the event they sell, merge, or transfer all or substantially all of their business operations as they exist as of the date of this Agreement, whether such sale is structured as a sale, asset sale, merger, or transfer, it shall include in any contract for sale, merger, or transfer a provision binding the purchaser, or any successor in interest thereto, to the obligations described in this Agreement. \n\nXXXX and XXXX engaged in a series of bad and deceptive business practices by filing fraudulent securities instruments with Property Clerks of government agencies, criminal non-disclosure of the contract/trust sale and price paid for the real estate property purchased, wrongful foreclosure, filing frivolous lawsuits and money laundering. XXXX XXXX XXXX XXXX XXXX  and Caliber were engaged in criminal fraud and money laundering by creating a Trustee contracts with an entity that is not registered to engage in business and/or litigation in the State of Texas. \n\nXXXX filed tens of thousands of fraudulent security instruments with property clerks to transfer liens they didnt legitimately own. XXXX instrument for my personal real estate property was filed with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is fraudulent on its face. It is not a legal document due to the fact that the entity receiving the real estate property is not able to do business and the signee is not authorized as an Attorney-in-Fact. These fraudulent filings were a material step in order for Caliber to seize control of property they do not own, foreclose on them and launder the money. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was involved in the disbursement and sale of XXXX XXXX XXXX Secured Receivables and the closing of XXXX XXXX XXXX XXXX XXXX. He retired in XXXX and became a member of Calibers Board in XXXX. Short sales and pre-negotiated discounts originally for the borrowers, were, diverted, and packaged for third party lenders such as XXXX XXXXXXXX XXXX  and XXXX under XXXX watch. Those lenders were obligated to offer the borrowers those same short sales and pre-negotiated discounts which they purchased from XXXX per the DPA. Caliber, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not comply with the DPA. \n\nPer page 120, SEC XXXX 10-K Report, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX addressed the disbursements of these assets. Aggregate cash consideration received during XXXX for these real estate secured receivables totaled XXXX XXXX  The Report states that XXXX continued to work with borrowers : As we continued to work with borrowers, we may also agree to a short sale whereby the property is sold by the borrower at a price which has been pre-negotiated with us and the borrower is released from further obligations. The Report also states that, year-ending XX/XX/XXXX that non-credit card receivables were sold to XXXX XXXX XXXX XXXX XXXX It also reported that the mortgage service division contracts were sold ending XXXX XXXX Included is an email for XXXX which states they never owned my HELOC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  recorded investment transactions with the SEC in XX/XX/XXXX and XX/XX/XXXX. ) This was a short-closed, 13-month investment fund, per the SEC. \n\nOn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my account general ledger which stated the new discounted total due on my property was {$55000.00}. It is assumed that Caliber paid {$55000.00} for the HELOC since the balance on that ledger was {$0.00}, as of XXXX Caliber said my outstanding balance was {$140.00}, XXXX XXXX XXXX. Caliber engaged in real estate fraud and money laundering by collecting {$190000.00} on XX/XX/XXXX per their records. Caliber and XXXX XXXX Funds breached the XXXX XXXX XXXX which the successors must be in compliance with. Caliber collected at least {$140000.00} they did not earn. \nBreach of the Agreement If, during the Term of this Agreement, the Department determines, in its sole discretion, that the XXXX Parties have ( a ) committed any crime under U.SXXXX federal law subsequent to the signing of this Agreement, ( b ) at any time provided in connection with this Agreement deliberately false, incomplete, or misleading information, or ( c ) otherwise breached the Agreement, the XXXX Parties shall thereafter be subject to prosecution for any federal criminal violation of which the Department has knowledge, including the charges in the Information described in Paragraph 1, which may be pursued by the Department in the United States District Court for the XXXX XXXX of New York or any other appropriate venue. \n\nCaliber has engaged in many improprieties in collecting debt which they do not legally own. On XX/XX/XXXX, Caliber sent the attached letter Demand for Payment and Notice of Intent to Accelerate as the Servicer for XXXX XXXX. The transfer of XXXX on XX/XX/XXXX, to XXXX XXXX was made after the acceleration notice. My homestead protection instrument was invoked in XX/XX/XXXX to protect my homestead from sale or XXXX. I was a Protected Member of the XXXX Class Action Lawsuit ( violations of RESPA, FDCPA, FCRA, TILA ) which settled favorable for the Members. My loan was disbursed in XXXX of the the XXXX XXXX XXXX XXXX XXXX XXXX Calibers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a letter in XXXX XXXX XXXX, stating their file was closed due to a payoff of the loan. Calibers XXXX XXXX sued me by using XXXX XXXX XXXX XXXX XXXX  as Trustee for LSF8 Master Participation Trust knowing the contract to sue was illegal and the debt was established to have a XXXX balance in XXXX. XXXX created fraudulent Modification Contracts which did not have any fiduciary principle tying into an amount to cure. Caliber disregarded XXXX XXXX XXXX language which they were obligated to comply with. In an effort to artificially inflate the debt through unlawful financial transactions. Caliber augmented the debt by incorporating 6 years deferred interest on a loan they had no legitimate bases of ownership. Attorney from XXXX XXXX, XXXX XXXX stated in an email in XX/XX/XXXX, that my property was purchased as a short sale from XXXX  XXXX Caliber and XXXX XXXX persistently withheld the contractual and purchase price since XXXX since it would substantiate a lack of ownership of the debt. \n\nFake Closing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ) scheduled a fake closing in which there was no funding on XXXX. Caliber negotiated a short sale with XXXX and XXXX. They defrauded me of {$190000.00}. This is not only fraud, but money laundering. XXXX refused to turn over the XXXX closing package and a copy of the check/wire on XX/XX/XXXX. The Lender ( who was not there ) on that closing stated she did not fund that closing. On XXXX XXXX closed on my property with XXXX to XXXX. XXXX, XXXX and XXXX refuse to send a copy of the check/wire that paid of the debt. The Title Attorney withheld filing the XX/XX/XXXX closing instrument with the XXXX XXXX XXXX by XXXX weeks so the XX/XX/XXXX closing and the XX/XX/XXXX closing did not raise any red flags. The check Caliber received was dated XXXX Caliber has stated on the phone and in the attached letters that they will not release a copy of the check/wire which paid off the account. They are violating another FDCPA rule. \n\nThe Judicial climate in Texas is heavily influenced by XXXX XXXX XXXX XXXX XXXX. The lawyers recommended by the Bar Association would not take on the contract issue of the claim, even when the Defendant attorneys asked to negotiate a settlement in XX/XX/XXXX. They were all familiar with the XXXX XXXX Funds Foreclosure Litigations and their attorneys. Attorneys stated it was unfair that I have a home without paying for it when they had too. However, they would take the case if I filed Bankruptcy and paid {$3000.00} up front. The system is very corrupt even including the judges. When informing JXXXX XXXX at the XX/XX/XXXX, hearing, that there was not a copy of a contract between me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX denied me due process under the law when he told me to shut up or he would have his bailiff throw me out of this Court. He allowed an admittance of hearsay evidence stating I was not a party of the Class Action Lawsuit and a Modification Agreement that I did not sign. Evidence of both, the Class Action Lawsuit and that the Modification Agreement was included in the Response I filed with the Court. Caliber created multiple modifications which did not tie into any contract of a loan. \nSummary Caliber and XXXX XXXX Funds are obligated to adhere to the XXXX XXXX. If it were not for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. fraudulent transfers of lien, I would not have lost my property to the bad actors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been on the Board of Caliber Home Loans XXXX XXXX since XXXX. The XXXX XXXX Report stated that many directors and officers breached their fiduciary duties. Those pre-negotiated prices for borrowers loans had to cross XXXX XXXX Instead of negotiating with borrowers, he deceptively sold those discounted loans to XXXX XXXX XXXXCaliber and other third-party lenders/trusts who violated the DPA. XXXX instigated these criminal and deceptive practices, by defrauding their own customers to recover millions lost from the fine, XXXX XXXX. This is not only fraud, but unchecked capitalism which leads to economic discrimination and massive homelessness. Agencies are not enforcing RESPA and FDCPA laws. Caliber and XXXX XXXX Funds can continue these bad actions due to the sanctions do not penalize them enough to correct the illegal activities. It is profitable for them to commit fraud and money laundering than to adhere to laws that prevent homeowners from losing their property to those frauds. A copy of these complaints will be sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2023-12-27T23:08:47.000Z","issue":"Closing on a mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"70503","tags":"Older American","has_narrative":true,"complaint_id":"8067740","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Caliber Home Loans, Inc.","date_received":"2023-12-27T22:44:21.000Z","state":"LA","company_public_response":null,"sub_issue":"Closing disclosure or other related disclosures"},"highlight":{"complaint_what_happened":["Caliber and <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  are Managerial Partners of real estate investment vehicle known as, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  entered into an agreement to buy mortgages and HELOCs from <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>. Caliber and <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> failed to comply with the Sale or Merger section and the Anti Money Laundering rules of the DPA. <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> and Caliber Home Loans , Inc. are <em>Foreign</em>-For-Profit entities and also must comply with the <em>Foreign</em> <em>Corrupt</em> <em>Practices</em> Act."]},"sort":[9.883482,"8067740"]},{"_index":"complaint-public-v1","_id":"8343459","_score":9.645535,"_source":{"product":"Debt collection","complaint_what_happened":"USAA Account # XXXX Dear XXXX XXXX XXXX  XXXX XXXX & USAA and All others, I, XXXX, XXXX, Original Creditor and Natural Living Woman, hereby rescind my consent to be liable or compelled to perform regarding the contract agreement ( Asset-Backed Securities ) that was entered with XXXX XXXX OF XXXX XXXX on XXXX XXXX 2023 . I allegedly entered into a contract agreement with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) without the following : I. Full disclosure of my rights to rescind II. Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ) IV. Misrepresentation of the finance charge V. Failure to inform that fraudulently forged contract was a financial asset I have reason to believe that XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally, and with malice took advantage of my consumer credit by unjust enrichment. \n\nAfter thoroughly reviewing all documents in my possession and having a certified forensic audit conducted, I have found several abusive, oppressive, deceptive, misleading, defamatory, and unconscionable violations. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ), in conjunction with USAA, my commercial financial institution, has lied, cheated, and stolen from me. \n\nIt appears that XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( s ) are engaging in FRAUD by way of forgery, identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, computer fraud, terrorism, human trafficking, extortion, fraud in the execution, conspiracy with the intent to defraud, Securities fraud Racketeering, amongst other white-collar crimes. \nI did NOT, or do NOT ratify, any unauthorized acts by XXXX XXXX XXXX XXXX XXXX broker/transfer agents, nor have I accepted any benefit from its unauthorized acts. \n\nMoreover, I choose not to do business with you and your partner ( s ) /affiliate ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY!! YOU are to cease further communication with me regarding the collection of such alleged debt regarding forged security. \n\nXXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( EBA ), The Securities Exchange Act ( SEA ) of 1933 and 1934, the Foreign Corrupt Practices Act ( FCPA ) ; The Bank Secrecy Act ( BSA ), The Indenture Trustee Act ( TIA ), the Consumer Financial Protection Act ( CFPA ), the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Debt Collection Practices Act ( FDCPA ), the Federal Trade Commission ( FTC ) Act ; the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ; the Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 ; the Truth-in-Lending Act ( TILA ) ; the Federal Reserve Boards Regulations B and Z ( FRA ) ; the Gramm-Leach-Bliley Act ( GLBA ) ; the Fair Credit Extension Uniformity Act ( FCEUA ), the Racketeering influenced and corrupt Organizations Act 18 section 1962 ( hereinafter referred to as RICO ) ; the Magnuson-Moss Warranty Act ( MMWWA ), the Uniform Commercial Code ( UCC ), state adaptations of the Uniform Consumer Credit Code ( UCCC ), state motor vehicle retail installment sale and loan Acts, state servicing laws ; state insurance laws and other state and federal violations. \nNow know that XXXX, XXXX, XXXX, have revoked, rescinded, annulled, and made void, and by these presents revoke, countermand, annul, and make void the said letter of agency/attorney and all power and authority given or intended to be given to the said XXXX XXXX XXXX XXXX XXXX USAA and it affiliate partners XXXX \n\nTherefore, I also revoke, cancel, and make void ab initio all powers of attorney and substitution, in fact, in presumption, or otherwise, signed by either me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney, and substitution, pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. \n\nWho are you, and under what authority did you, or do you continue to contact me? The fraudulent agreement under which you presume some power is only implied by a simple contract. Again, any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. \n\nUnder your debt scheme, whereas on XXXX XXXX  2023, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Receivables Trust 2023-B, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and USAA engaged in a scheme whereby they issued Auto Loans to consumers and then sought to collect the amounts allegedly due to them that were not legally nor lawfully due/owed to them. \n\nAt all times relevant hereto, XXXX XXXX  XXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ) scheme. \n\nIn order to earn securitization income from the Auto Loan securitization, XXXX XXXX  XXXX sold its Auto Loan receivables to the XXXX XXXX Receivables Trust 2023-B. \nThe Auto Loan securitization process is set forth in the amended and restated Pooling and Servicing Agreement ( PSA ) between XXXX XXXX  XXXX, as seller, and the XXXX XXXX  Receivables Trust 2023-B- trustee. A copy of the relevant portions of the PSA is attached hereto, incorporated herein, and marked as EXHIBIT \" A. '' Please note that I did not grant special authority or express agreement to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) to hypothecate my consumer goods/property ( merchandise title ) and intellectual property to collateralize investments on any future or forward markets or the right to sell on commercial paper. \n\nIn addition, XXXX XXXX XXXX  XXXX XXXX F & I Business Manager, General Manager, and Sales Manager stated that an illegal and unlawful down payment of {$2800.00} was required to drive off the car lot. However, the information provided was false and deceptive, violating 17 CFR 240.14c-6 : False or misleading representations. \n\nMoreover, you are under obligation to pay for goods and/or services ( securities/assets ) that you have fraudulently acquired on an open account from XXXX, XXXX, the Natural Living Woman consumer credit, the producer of the economic value for the transaction, and the supplier of the goods for exchange/trade. \nYou have undeniably committed fraud through misrepresentation and forgery of a registered security in your debt scheme under USAA secured financing after purchasing my asset under the credit transaction and restating your accounts payable liability arising out of the loan contract, having purchased my security as a fictional customer deposit, which is your current liability owed to XXXX, XXXX, the Natural Living Woman in your balance sheet. The Securities Exchange Act of 1934 and Sections 11, 12, and 15 of The Securities Act of 1933 provide liabilities under the federal securities laws. EXHIBIT \" B. \n\nXXXX XXXX  XXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ). \n\nSection 10 ( b ) of the Securities Exchange Act prohibits the use of any manipulative or deceptive device or contrivance in contravention of rules prescribed by the SEC in connection with the purchase or sale of any security or security-based swap agreement. Furthermore, the antifraud rule, Rule 10b5 ; Rule 10b5 prohibits use of any means of interstate commerce to ( a ) employ any device, scheme, or artifice to defraud, ( b ) make material misstatements or omissions, or ( c ) engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security. \n\nPlease take note that Rule 10b5 can be enforced by the SEC in injunctive and civil penalty actions, brought pursuant to 21 ( d ) of the Exchange Act, and by the Justice Department in actions pursuant to 32 ( a ) of the Exchange Act, which imposes criminal liability for willful violations of the Exchange Act. \n\nSection 11 ( a ) makes specified persons liable for any untrue statement of material fact in a registration statement or any omission of any material fact required to be stated in a registration statement or necessary to make statements therein not misleading to any person acquiring the relevant security unless the acquirer knew of such untruth or omission at the time of the acquisition. \n1. Persons Liable If a registration statement is false or misleading, 11 ( a ) makes liable : a. the issuer; b. the directors of the issuer ; c. persons named, by their consent, in the registration statement as about to become directors of the issuer ; d. every person who signs the registration statement ; e. every expert ( e.g., accountant, engineer, appraiser, etc. ) who is named by consent as having certified or prepared any part of the registration statement ; and f. every underwriter of the relevant security. \n\nDue to the Unethical Deceptive Practices Acts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX I demand to be immediately compensated and demand you to perform upon my underlying obligation, which you unlawfully hold in custody or bailment. You are to immediately refund me the value of my securities and the percentage of proceeds realized from monopolizing my species of goods in restraint of trade due to Securities Fraud committed by the parties as evidenced by Certified Forensic Audit. Transfer the securities to my Treasury Direct Account ( TDA ) # XXXX. \n\nI retain exclusive rights and jurisdiction as the source of the authority, having manufactured the value as I am the holder in due course of the instrument ( s ). Refer to Uniform Commercial Code 3-302. HOLDER IN DUE COURSE and 16 CFR Part 433.2- Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.\n\nUCC 9-311. PERFECTION OF SECURITY INTERESTS IN PROPERTY SUBJECT TO CERTAIN STATUTES, REGULATIONS, AND TREATIES.\n\n( a ) [ Security interest subject to other law. ] Except as otherwise provided in subsection ( d ), the filing of a financing statement is not necessary or effective to perfect a security interest in property subject to : ( 1 ) a statute, regulation, or treaty of the United States whose requirements for a security interest 's obtaining priority over the rights of a lien creditor with respect to the property preempt Section 9-310 ( a ) ; ( 2 ) [ list any statute covering automobiles, trailers, mobile homes, boats, farm tractors, or the like, which provides for a security interest to be indicated on a certificate of title as a condition or result of perfection, and any non-Uniform Commercial Code central filing statute ] ; or ( 3 ) a statute of another jurisdiction which provides for a security interest to be indicated on a certificate of title as a condition or result of the security interest 's obtaining priority over the rights of a lien creditor with respect to the property. \n\nI require you to render a receipt for payment of my canceled and paid-in-full payment instrument acknowledging account settlement and payment adjustment as you, the true Debtor ( s ) are delinquent in payments, taxes, insurance, customs, and duties due to me. \n\nFurthermore, I demand that XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate partners return to me every dollar of my labor placed upon your books and all payday loans plus interest I have ever paid to you for the duration of the fraudulent agreement. \n\nIn addition, I demand that USAA remove the bogus lien placed against my consumer goods immediately and convey the title to my consumer goods back to XXXX, XXXX, XXXX : Natural Living Woman. \n\nMoreover, I demand that XXXX XXXX XXXX  XXXX XXXX and USAA release my CUSIP NUMBER IMMEDIATELY. Albeit the CUSIP number was obtained in a Certified Forensic Audit, I am considering filing a claim for my STOLEN UNITED STATES REGISTERED SECURITIES with the Department of the Treasury Bureau of the Fiscal Service as there is a Treasury Direct Account for XXXX, XXXX, Natural Living Women. \n\nDue to the securities fraud committed on behalf of the actors and actresses and the defects associated with security interest of the XXXX XXXX XXXX # XXXX, which is currently under investigation by the National Highway Transportation Safety Administration ( NHTSA ) Office of Defects Investigation due to a severe automobile accident that occurred on XX/XX/XXXX, that resulted in severe injuries to the consumer for the Negligent and Intentional Infliction of Physical Emotional and Financial Distress, I demand compensatory and punitive damages against XXXX XXXX  XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) jointly and severally, in an amount in excess of {$150000.00} ( XXXX XXXX and XXXX XXXX dollars ) EXHIBIT \" C. '' Pursuant to the MagnusonMoss Warranty Act, any warrantor warranting a consumer product to a consumer by means of a written warranty must disclose, fully and conspicuously, in simple and readily understood language, the terms and conditions of the warranty to the extent required by rules of the Federal Trade Commission. The FTC has enacted regulations governing the disclosure of written consumer product warranty terms and conditions on consumer products that actually cost the consumer more than {$15.00}. The Rules can be found at 16 C.F.R. Part 701. Under the terms of the Act, ambiguous statements in a warranty are construed against the drafter of the warranty.\n\nUnder a full warranty, in the case of a defect, malfunction, or failure to conform with the written warranty, the warrantor : can remedy the consumer product within a reasonable time and without charge. \nmay not impose any limitation on the duration of any implied warranty on the product.\n\nmay not exclude or limit consequential damages for a breach of any written or implied warranty on the product unless the exclusion or limitation conspicuously appears on the face of the warranty ; and If the product or a component part contains a defect or malfunction, the consumer must be permitted to elect either a refund or replacement without charge after a reasonable number of repair attempts. \n\nIn addition, the warrantor may not impose any duty, other than notification, upon any consumer as a condition of securing the repair of any consumer product that malfunctions, is defective, or does not conform to the written warranty. However, the warrantor may require consumers to return a defective item to its place of purchase for repair. The MagnusonMoss Warranty Act does not invalidate or restrict any right or remedy of any consumer under any other federal law, nor does the act supersede the Federal Trade Commission Act as it pertains to antitrust actions. \n\nTherefore, Pursuant to the MagnusonMoss Warranty Act, I demand a full replacement of the vehicle of my choosing within three business days with a free and clear title along with the value of the vehicle for my valuable consideration of a fraudulent conveyance delivered to the address XXXX XXXX XXXX, XXXX, GA XXXX Monday-Friday between the hours of XXXX XXXX XXXX. \nChoice 1 ) : XXXX ; Choice 2 ) : XXXX ; Choice 3 ) : XXXX. \n\nXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) can provide the requested information and document at the location listed below due to your deceptive acts in committing Identity Theft, forgery, wire fraud, concealment, conspiracy, and securities fraud. You are NOT the CREDITOR, as the Rescission Notice effectuates satisfaction of my security interest and cancellation of the security agreement. \n\nI make a demand upon USAA to IMMEDIATELY cease furnishing inaccurate account information to all credit bureaus regarding the consumer named herein and permanently remove the bogus account item from the credit file as you are NOT the creditor, rather the Debtor since having committed identity theft, concealment, fraud, conspiracy, securities fraud, wire fraud amongst other federal crimes, therefore, causing, the consumer, a commercial disparagement. \n\nYou are prohibited from using, selling, transferring, or assigning the consumer 's non-public personal information, including my social security account number, to any parties and permanently deleting any record/information of the consumer named herein from your database and/or repositories. \n\nPursuant to the mandatory Prospectus filed with XXXX, the following documents incorporated by reference and the Part of Form 10-K ( e.g., Part I, Part II, etc. ) into which the document is incorporated : ( 1 ) Any annual report to security holders ; ( 2 ) Any proxy or information statement ; and ( 3 ) Any prospectus filed pursuant to Rule 424 ( b ) or ( c ) under the Securities Act of 1933. SEC Form 424B2 is the prospectus form that a company must file if it is making a primary offering of securities on a delayed basis. It is an important part of the initial public offering ( IPO ) process. Rule 424 ( b ) or ( c ) are required to file SEC Form 424B2 because of Rule 424 ( b ) ( 2 ) of the Securities Act of 1933. This act was created to protect investors by requiring securities issues to file detailed information with the Securities and Exchange Commission ( SEC ) before selling new securities to the public. There are many other disclosures and preparations that companies need to follow in order to carry out an IPO. SEC Form 424B2 is often used in the event of a delayed offering and discloses transaction-specific data such as the public offering price ( POP ).\n\nPer the Certified Forensic Audit, no Assignment was made as required by the Prospectus. Examiner recommends immediate pro-duction of document and review of all purchase documents and then notarized Agreement endorsements among all relevant parties. \n\nPlease note that the Treasury/Internal Revenue Service Form 56-Notice Concerning Fiduciary Relationship ; Form 8300-Reports of Cash Payments Over {$10000.00}, SF 28-Affidavit of Individual Surety, FOIA for IRS W8 will be filed and presented to the Treasury Department along with Form 3949-A Department of the Treasury-Internal Revenue Service Information Referral, Form op 90, and Form op 91 for claims against each individual actor and or actors estate due to the identity theft, restraint of trade, and deprivation of rights along with this letter, documents, and complaints to the Department of Justice.\n\nLastly, be advised this notice, along with affidavit ( s ), will be given to the Health and Human Services of the city of XXXX as the Regional Office 4 for the state of Georgia for the administration of the consumers and proper administration and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number XXXX XXXX XXXXXXXX ] for the matter of my estate. \n\nIn addition, all rights have been reserved for the delivery of an inability affidavit for tender of payment of any kind FOR THE CONSUMER due to the legal hardship under the BAR, their members, and associations. \n\nI hereby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific constitutional rights not to be bound by any contract or obligation that I have NOT entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion. \n\nPlease be advised and note that pursuant to Regulation Z 12 C.F.R. 1026, Right of Rescission, I rescind my consent to be liable or compelled to perform, therefore deducting my liability within this consumer transaction. \n\nIn addition, criminal fraud, forgery, identity theft, and fraudulent property conversions have NO statute of limitations. I will defend against and seek EVERY actor and actress in obtaining remedy for deprivation of my rights, privileges, and/or immunities secured by the FDCPA against ALL liable parties. \n\nAs a courtesy to obtain an expedited resolution to this matter, I will wait 3 business days before filing actions with ALL governmental entities to obtain my remedies. Failure to comply with my demands will result in liens and filings in the Court of Chancery, criminal prosecution, and revocation/termination of licenses. \n\nPlease keep in mind that I DO NOT HAVE TO SIGN a non-disclosure agreement known as ( NDA ) that would constitute bribery. However, I am willing to make an exception if and ONLY IF ALL of my demands are fully met. \nFurthermore, the down payment reimbursement and ALL funds shall be made VIA check IMMEDIATELY payable to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, GA XXXX Best Regards, COPYRIGHT SIGNATURE RESERVED XXXX, XXXX [ Principal ] -All Natural Rights Reserved All Rights Reserved without Prejudice ( UCC1207/UCC1308 UCC 1103 ) Please address all future correspondence in the matter to Natural Living Human ; Natural Living Person XXXX [ First Name ] : [ XXXX ] the [ Family Name ] : XXXX, as commonly called via email or U.S.P.S Mail. \n\n\nFHFA/DOJ COMPLAINT FILED REPORTING FRAUD AND RETALIATION FOR EXERCISING RIGHTS AND FAILURE VIOLATING AND DISCRIMINATING VICTIM 'S RIGHTS","date_sent_to_company":"2024-02-14T21:50:29.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"8343459","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-02-14T21:50:27.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> OF <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> USAA and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( EBA ), The <em>Securities</em> Exchange Act ( SEA ) of 1933 and 1934, the <em>Foreign</em> <em>Corrupt</em> <em>Practices</em> Act ( FCPA ) ; The Bank Secrecy Act ( BSA ), The Indenture Trustee Act ( TIA ), the Consumer Financial Protection Act ( CFPA ), the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair"]},"sort":[9.645535,"8343459"]},{"_index":"complaint-public-v1","_id":"8343534","_score":9.607055,"_source":{"product":"Debt collection","complaint_what_happened":"USAA Account # XXXX Dear XXXX XXXXXXXX XXXX XXXX XXXX XXXX USAA and All others, I, XXXX, XXXX, Original Creditor and Natural Living Woman, hereby rescind my consent to be liable or compelled to perform regarding the contract agreement ( Asset-Backed Securities ) that was entered with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I allegedly entered into a contract agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) without the following : I. Full disclosure of my rights to rescind XXXX. Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ) IV. Misrepresentation of the finance charge V. Failure to inform that fraudulently forged contract was a financial asset I have reason to believe that XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally, and with malice took advantage of my consumer credit by unjust enrichment. \n\nAfter thoroughly reviewing all documents in my possession and having a certified forensic audit conducted, I have found several abusive, oppressive, deceptive, misleading, defamatory, and unconscionable violations. XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ), in conjunction with USAA, my commercial XXXX institution, has lied, cheated, and stolen from me. \n\nIt appears that XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( XXXX ) are engaging in FRAUD by way of forgery, identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, computer fraud, terrorism, human trafficking, extortion, fraud in the execution, conspiracy with the intent to defraud, Securities fraud Racketeering, amongst other white-collar crimes. \nI did NOT, or do NOT ratify, any unauthorized acts by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nor have I accepted any benefit from its unauthorized acts. \n\nMoreover, I choose not to do business with you and your partner ( s ) /affiliate ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY!! YOU are to cease further communication with me regarding the collection of such alleged debt regarding forged security. \n\nXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( XXXX ), The Securities XXXX XXXX ( SEA ) of XXXX and XXXX, the Foreign Corrupt Practices Act ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Indenture Trustee Act ( XXXX ), the Consumer Financial Protection Act ( XXXX ), the XXXX XXXX XXXX Reform and Consumer Protection Act, the Fair Debt Collection Practices Act ( FDCPA ), the Federal Trade Commission ( FTC ) Act ; the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ; the Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 ; the Truth-in-Lending Act ( TILA ) ; the Federal Reserve Boards Regulations B and Z ( FRA ) ; the Gramm-Leach-Bliley Act ( GLBA ) ; the Fair Credit Extension Uniformity Act ( FCEUA ), the Racketeering influenced and corrupt Organizations Act 18 section 1962 ( hereinafter referred to as RICO ) ; the Magnuson-Moss Warranty Act ( MMWWA ), the Uniform Commercial Code ( UCC ), state adaptations of the Uniform Consumer Credit Code ( UCCC ), state motor vehicle retail installment sale and loan Acts, state servicing laws ; state insurance laws and other state and federal violations. \nNow know that XXXX, XXXX, XXXX, have revoked, rescinded, annulled, and made void, and by these presents revoke, countermand, annul, and make void the said letter of agency/attorney and all power and authority given or intended to be given to the said XXXX XXXX XXXX XXXX XXXX USAA and it affiliate partners XXXX \n\nTherefore, I also revoke, cancel, and make void ab initio all powers of attorney and substitution, in fact, in presumption, or otherwise, signed by either me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney, and substitution, pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. \n\nWho are you, and under what authority did you, or do you continue to contact me? The fraudulent agreement under which you presume some power is only implied by a simple contract. Again, any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. \n\nUnder your debt scheme, whereas on XX/XX/XXXX, XXXX of XXXX, XXXX XXXX XXXX, XXXX ABS Funding, XXXX XXXX XXXX, XXXX XXXX Receivables XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inclusive and USAA engaged in a XXXX whereby they issued Auto Loans to consumers and then sought to collect the amounts allegedly due to them that were not legally nor lawfully due/owed to them. \n\nAt all times relevant hereto, XXXX of XXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ) scheme. \n\nIn order to earn securitization income from the Auto Loan securitization, XXXX of XXXX sold its Auto Loan receivables to the XXXX XXXX Receivables Trust XXXX. \nThe Auto Loan securitization process is set forth in the amended and restated Pooling and Servicing Agreement ( XXXX ) between XXXX of XXXX, as seller, and the XXXX Auto Receivables Trust XXXX trustee. A copy of the relevant portions of the XXXX is attached XXXX, incorporated herein, and marked as EXHIBIT \" A. '' Please note that I did not XXXX special authority or express agreement to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) to hypothecate my consumer goods/property ( merchandise title ) and intellectual property to collateralize investments on any future or forward markets or the right to sell on commercial paper. \n\nIn addition, XXXX XXXX OF XXXX XXXX XXXX XXXX I Business XXXX, General XXXX, and Sales XXXX stated that an illegal and unlawful down payment of {$2800.00} was required XXXX XXXX off the car lot. However, the information provided was false and deceptive, violating XXXX CFR XXXX : False or misleading representations. \n\nMoreover, you are under obligation to pay for goods and/or services ( securities/assets ) that you have fraudulently acquired on an open account from XXXX, XXXX, XXXX XXXX XXXX XXXX consumer credit, the producer of the economic value for the transaction, and the supplier of the goods for exchange/trade. \nYou have undeniably committed fraud through misrepresentation and forgery of a registered security in your debt scheme under USAA secured financing after purchasing my asset under the credit transaction and restating your accounts payable liability arising out of the loan contract, having purchased my security as a fictional customer deposit, which is your current liability owed to XXXX, XXXX, the XXXX XXXX XXXX in your balance sheet. The Securities XXXX XXXX of XXXX and Sections XXXX, XXXX, and XXXX of The Securities XXXX of XXXX provide liabilities under the federal securities laws. EXHIBIT \" B. \n\nXXXX of XXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ). \n\nSection XXXX ( b ) of the XXXX XXXX XXXX prohibits the use of any manipulative or deceptive device or contrivance in contravention of rules prescribed by the SEC in connection with the purchase or sale of any security or security-based swap agreement. Furthermore, the antifraud rule, XXXX XXXX ; XXXX XXXX prohibits use of any means of interstate commerce to ( a ) employ any device, scheme, or artifice to defraud, ( b ) make material misstatements or omissions, or ( c ) engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security. \n\nPlease take note that Rule XXXX can be enforced by the SEC in XXXX and civil penalty actions, brought pursuant to XXXX ( d ) of XXXX XXXX Act, and by the Justice Department in actions pursuant to XXXX ( a ) of the Exchange Act, which imposes criminal liability for willful violations of the Exchange Act. \n\nSection XXXX ( a ) makes specified persons liable for any untrue statement of material fact in a registration statement or any omission of any material fact required to be stated in a registration statement or necessary to make statements therein not misleading to any person acquiring the relevant security unless the acquirer knew of such untruth or omission at the time of the acquisition. \nXXXX. Persons Liable If a registration statement is false or misleading, XXXX ( a ) makes liable : a. the issuer; b. the directors of the issuer ; XXXX persons named, by their consent, in the registration statement as about to become directors of the issuer ; d. every person who signs the registration statement ; e. every expert ( e.g., accountant, engineer, appraiser, etc. ) who is named by consent as having certified or prepared any part of the registration statement ; and f. every underwriter of the relevant security. \n\nDue to the Unethical Deceptive Practices Acts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA , I demand to be immediately compensated and demand you to perform upon my underlying obligation, which you unlawfully hold in custody or bailment. You are to immediately refund me the value of my securities and the percentage of proceeds realized from monopolizing my species of goods in restraint of trade due to XXXX XXXX committed by the parties as evidenced by XXXX XXXX XXXX. Transfer the securities to my Treasury XXXX Account ( XXXX ) # XXXX. \n\nI retain exclusive rights and jurisdiction as the source of the authority, having manufactured the value as I am the holder in due course of the instrument ( XXXX ). Refer to XXXX XXXX XXXX XXXX. HOLDER IN DUE COURSE and 16 CFR Part XXXX Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. \n\nXXXX XXXX. PERFECTION OF SECURITY INTERESTS IN PROPERTY SUBJECT TO CERTAIN STATUTES, REGULATIONS, AND TREATIES. \n( a ) [ Security interest subject to other law. ] Except as otherwise provided in subsection ( d ), the filing of a financing statement is not necessary or effective to perfect a security interest in property subject to : ( XXXX ) a statute, regulation, or treaty of the United States whose requirements for a security interest 's obtaining priority over the rights of a lien creditor with respect to the property preempt Section 9-310 ( a ) ; ( 2 ) [ list any statute covering automobiles, trailers, mobile homes, boats, farm tractors, or the like, which provides for a security interest to be indicated on a certificate of title as a condition or result of perfection, and any non-Uniform Commercial Code central filing statute ] ; or ( 3 ) a statute of another jurisdiction which provides for a security interest to be indicated on a certificate of title as a condition or result of the security interest 's obtaining priority over the rights of a lien creditor with respect to the property. \n\nI require you to render a receipt for payment of my canceled and paid-in-full payment instrument acknowledging account settlement and payment adjustment as you, the true Debtor ( XXXX ) are delinquent in payments, taxes, insurance, customs, and duties due to me. \n\nFurthermore, I demand that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate partners return to me every dollar of my labor placed upon your books and all payday loans plus interest I have ever paid to you for the duration of the fraudulent agreement. \n\nIn addition, I demand that USAA remove the bogus XXXX placed against my consumer goods immediately and convey the title to my consumer goods back to XXXX, XXXX, XXXX : Natural Living Woman. \n\nMoreover, I demand that XXXX XXXX XXXX XXXX XXXX and USAA release my CUSIP NUMBER IMMEDIATELY. Albeit the CUSIP number was obtained in a Certified Forensic Audit, I am considering filing a claim for my STOLEN UNITED STATES REGISTERED SECURITIES with the Department of the Treasury XXXX XXXX XXXX XXXX XXXX as there is a Treasury Direct Account for XXXX, XXXX, Natural Living Women. \n\nDue to the securities fraud committed on behalf of the actors and actresses and the defects associated with security interest of the XXXX XXXX XXXX # XXXX, which is currently under investigation by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX of Defects Investigation due to a severe automobile accident that occurred on XX/XX/XXXX, that resulted in severe injuries to the consumer for the Negligent and Intentional Infliction of Physical Emotional and Financial Distress, I demand compensatory and punitive damages against XXXX of XXXX XXXX XXXX XXXX XXXX USAA XXXX and XXXX affiliate ( XXXX ) /partner ( XXXX ) jointly and severally, in an amount in excess of {$150000.00} ( XXXX XXXX and XXXX XXXX dollars ) EXHIBIT \" XXXX '' Pursuant to the MagnusonMoss Warranty Act, any warrantor warranting a consumer product to a consumer by means of a written warranty must disclose, fully and conspicuously, in simple and readily understood language, the terms and conditions of the warranty to the extent required by rules of the Federal Trade Commission. The FTC has enacted regulations governing the disclosure of written consumer product warranty terms and conditions on consumer products that actually cost the consumer more than {$15.00}. The Rules can be found at 16 C.F.R. Part 701. Under the terms of the Act, ambiguous statements in a warranty are construed against the drafter of the warranty.\n\nUnder a full warranty, in the case of a defect, malfunction, or failure to conform with the written warranty, the warrantor : can remedy the consumer product within a reasonable time and without charge.\n\nmay not impose any limitation on the duration of any implied warranty on the product.\n\nmay not exclude or limit consequential damages for a breach of any written or implied warranty on the product unless the exclusion or limitation conspicuously appears on the face of the warranty ; and If the product or a component part contains a defect or malfunction, the consumer must be permitted to elect either a refund or replacement without charge after a reasonable number of repair attempts. \n\nIn addition, the warrantor XXXX not impose any duty, other than notification, upon any consumer as a condition of securing the repair of any consumer product that malfunctions, is defective, or does not conform to the written warranty. However, the warrantor may require consumers to return a defective item to its place of purchase for repair. The MagnusonMoss Warranty Act does not invalidate or restrict any right or remedy of any consumer under any other federal law, nor does the act supersede the Federal Trade Commission Act as it pertains to antitrust actions.\n\nTherefore, Pursuant to the MagnusonMoss Warranty Act, I demand a full replacement of the vehicle of my choosing within three business days with a free and clear title along with the value of the vehicle for my valuable consideration of a fraudulent conveyance delivered to the address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Monday-Friday between the hours of XXXX XXXXXXXX XXXX \nChoice XXXX ) : XXXX ; Choice XXXX ) : XXXX ; Choice XXXX ) : XXXX. \n\nXXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and XXXX affiliate ( XXXX ) /partner ( XXXX ) can provide the requested information and document at the location listed below due to your deceptive acts in committing Identity Theft, forgery, wire fraud, concealment, conspiracy, and securities fraud. You are NOT the CREDITOR, as the XXXX Notice effectuates satisfaction of my security interest and cancellation of the security agreement. \n\nI make a demand upon USAA to IMMEDIATELY cease furnishing inaccurate account information to all credit bureaus regarding the consumer named herein and permanently remove the bogus account item from the credit file as you are NOT the creditor, rather the Debtor since having committed identity theft, concealment, fraud, conspiracy, securities fraud, wire fraud amongst other federal crimes, therefore, causing, the consumer, a commercial disparagement. \n\nYou are prohibited from using, selling, transferring, or assigning the consumer 's non-public personal information, including my social security account number, to any parties and permanently deleting any record/information of the consumer named herein from your database and/or repositories. \n\nPursuant to the mandatory Prospectus filed with XXXX, the following documents incorporated by reference and the Part of Form XXXX ( e.g., Part I, Part XXXX, etc. ) into which the document is incorporated : ( 1 ) Any annual report to security holders ; ( 2 ) Any proxy or information statement ; and ( 3 ) Any prospectus filed pursuant to Rule 424 ( b ) or ( c ) under the Securities Act of 1933. SEC Form 424B2 is the prospectus form that a company must file if it is making a primary offering of securities on a delayed basis. It is an important part of the initial public offering ( IPO ) process. Rule 424 ( b ) or ( c ) are required to file SEC Form 424B2 because of Rule 424 ( b ) ( 2 ) of the Securities Act of 1933. This act was created to protect investors by requiring securities issues to file detailed information with the Securities and Exchange Commission ( SEC ) before selling new securities to the public. There are many other disclosures and preparations that companies need to follow in order to carry out an IPO. SEC Form XXXX is often used in the event of a delayed offering and discloses transaction-specific data such as the public offering price ( POP ). \n\nPer the XXXX XXXX XXXX, no Assignment was made as required by the XXXX. XXXX recommends immediate pro-duction of document and review of all purchase documents and then notarized XXXX endorsements among all relevant parties. \n\nPlease note that the XXXX XXXX XXXX XXXX XXXX XXXX Fiduciary Relationship ; Form XXXX of Cash Payments Over {$10000.00}, XXXX XXXX of XXXX XXXX, FOIA for IRS XXXX will XXXX XXXX and XXXX XXXX XXXX Treasury Department along with Form XXXX Department of XXXX XXXX Revenue Service Information Referral, Form op XXXX, and XXXX XXXX XXXX for claims against each individual actor and or actors estate due to the identity theft, restraint of trade, and deprivation of rights along with this letter, documents, and complaints to the Department of Justice. \n\nLastly, be advised this notice, along with affidavit ( XXXX ), will be given to the XXXX and XXXX XXXX of the city of XXXX as the XXXX XXXX XXXX for the state of Georgia for the administration of the consumers and proper administration and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number XXXX XXXX XXXX XXXX  for the matter of my estate. \n\nIn addition, all rights have been reserved for the delivery of an inability affidavit for tender of payment of any kind FOR THE CONSUMER due to the legal hardship under the BAR, their members, and associations. \n\nI hereby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific constitutional rights not to be bound by any contract or obligation that I have NOT entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion. \n\nPlease be advised and note that pursuant to Regulation Z XXXX C.F.R. XXXX, XXXX of XXXX, I rescind my consent to be liable or compelled to perform, therefore deducting my liability within this consumer transaction. \n\nIn addition, criminal fraud, forgery, identity theft, and fraudulent property conversions have NO statute of limitations. I will defend against and seek EVERY actor and actress in obtaining remedy for deprivation of my rights, privileges, and/or immunities secured by the FDCPA against ALL liable parties. \n\nAs a courtesy to obtain an expedited resolution to this matter, I will wait XXXX business days before filing actions with ALL governmental entities to obtain my remedies. Failure to comply with my demands will result in liens and filings in the XXXX XXXX XXXX, criminal prosecution, and revocation/termination of licenses. \n\nPlease keep in mind that I DO NOT HAVE TO SIGN a non-disclosure agreement known as ( XXXX ) that would constitute bribery. However, I am willing to make an exception if and ONLY IF ALL of my demands are fully met. \nFurthermore, the down payment reimbursement and ALL funds shall be made VIA check IMMEDIATELY payable to : XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX XXXX, GA XXXX Best Regards, COPYRIGHT SIGNATURE RESERVED XXXX, XXXX [ Principal ] -All Natural Rights Reserved All Rights Reserved without Prejudice ( XXXX UCC XXXX ) Please address all future correspondence in the matter to Natural Living Human ; Natural Living Person XXXX XXXX XXXX Name ] : [ XXXX ] the [ Family Name ] : XXXX, as XXXX called via email or U.S.P.S Mail. \n\n\nXXXX COMPLAINT FILED REPORTING FRAUD AND RETALIATION FOR EXERCISING RIGHTS AND FAILURE VIOLATING AND DISCRIMINATING VICTIM 'S RIGHTS","date_sent_to_company":"2024-02-14T21:50:22.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"8343534","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-02-14T21:21:31.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["<em>XXXX</em> XXXXXXXX <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> USAA and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( <em>XXXX</em> ), The <em>Securities</em> <em>XXXX</em> <em>XXXX</em> ( SEA ) of <em>XXXX</em> and <em>XXXX</em>, the <em>Foreign</em> <em>Corrupt</em> <em>Practices</em> Act ( <em>XXXX</em> ) ; <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> The Indenture Trustee Act ( <em>XXXX</em> ), the Consumer Financial Protection Act ( <em>XXXX</em> ), the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Reform and Consumer Protection Act,"]},"sort":[9.607055,"8343534"]},{"_index":"complaint-public-v1","_id":"8290130","_score":9.283739,"_source":{"product":"Checking or savings account","complaint_what_happened":"A Registered letter and email were sent to the following executives on Wednesday, XX/XX/XXXX. \n\nNOTICE OF RESCISSION/ DEMAND FOR COMPENSATION AND PERFORMANCE FORGED SECURITIES, SECURITIES FRAUD, CONSPIRACY, WIRE FRAUD, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX. \nC/O CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia ( U.S. state ) XXXX [ XXXX ] XXXX XXXX XXXX XXXX of XXXX XXXX. \nC/O CFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia ( U.S. state ), [ XXXX ] XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( U.S. state ) [ XXXX ] XXXX XXXX XXXX XXXX Bank C/O CEO XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX , ( U.S. state ) XXXX XXXX ] XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX Attention : XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, [ XXXX XXXX Attention : XXXX XXXX XXXX ( Treasurer ) XXXX XXXX XXXX XXXX ( Indenture Trustee ) C/O Vice President XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX ] Attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX C/O-Vice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois [ XXXX ] Attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX XXXXXXXX XXXX XXXX XXXX.-CUSTOMER # XXXX # XXXX & XXXX Account # XXXX Dear XXXX XXXXXXXX XXXX XXXXXXXX XXXX & XXXX and All others, I, XXXX, XXXX XXXX Original Creditor and XXXX XXXX XXXX , hereby rescind my consent to be liable or compelled to perform regarding the contract agreement ( Asset-Backed Securities ) 1 that was entered with XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. I allegedly entered into a contract agreement with XXXX XXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) without the following : I. Full disclosure of my right to rescind II. Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). \n\nI have reason to believe that XXXX XXXXXXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally, and with malice took advantage of my consumer credit by unjust enrichment. \n\nAfter thoroughly reviewing all documents in my possession and having a certified forensic audit conducted, I have found several abusive, oppressive, deceptive, misleading, defamatory, and unconscionable violations. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX and its affiliate ( s ) /partner ( XXXX ), in conjunction with XXXX, my commercial financial institution, has lied, cheated, and stolen from me. \n\nIt appears that XXXX XXXXXXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX and its affiliate ( s ) /partner ( s ) are engaging in FRAUD by way of forgery, identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, computer fraud, terrorism, human trafficking, extortion, fraud in the execution, conspiracy with the intent to defraud, Securities fraud Racketeering, amongst other white-collar crimes. \n\nI did NOT, or do NOT ratify, any unauthorized acts by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nor have I accepted any benefit from its unauthorized acts. \n\nMoreover, I choose not to do business with you and your partner ( s ) /affiliate ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY!! YOU are to cease further communication with me regarding the collection of such alleged debt regarding forged security. \n\nXXXX XXXX OF XXXX XXXX Hyundai Capital America XXXX XXXX and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( EBA ), The Securities Exchange Act ( SEA ) of 1933 and 1934, the Foreign Corrupt Practices Act ( FCPA ) ; The Bank Secrecy Act ( BSA ), The Indenture Trustee Act ( TIA ), the Consumer Financial Protection Act ( CFPA ), the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Debt Collection Practices Act ( FDCPA ), the Federal Trade Commission ( FTC ) Act ; the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ; the Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 ; the Truth-in-Lending Act ( TILA ) ; the Federal Reserve Boards Regulations B and Z ( FRA ) ; the Gramm-Leach-Bliley Act ( GLBA ) ; the Fair Credit Extension Uniformity Act ( FCEUA ), the Racketeering influenced and corrupt Organizations Act 18 section 1962 ( hereinafter referred to as RICO ) ; the Magnuson-Moss Warranty Act ( MMWWA ), the Uniform Commercial Code ( UCC ), state adaptations of the Uniform Consumer Credit Code ( UCCC ), state motor vehicle retail installment sale and loan Acts, state servicing laws ; state insurance laws and other state and federal violations. \n\nNow know that XXXX, XXXX, XXXX, have revoked, rescinded, annulled, and made void, and by these presents revoke, countermand, annul, and make void the said letter of agency/attorney and all power and authority given or intended to be given to the said XXXX XXXX XXXX XXXX XXXX XXXX and it affiliate partners . \n\nTherefore, I also revoke, cancel, and make void ab initio all powers of attorney and substitution, in fact, in presumption, or otherwise, signed by either me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney, and substitution, pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. \n\nWho are you, and under what authority did you, or do you continue to contact me? The fraudulent agreement under which you presume some power is only implied by a simple contract. Again, any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. \n\nUnder your debt scheme, whereas on XX/XX/XXXX, XXXX of XXXX, Hyundai Capital America, Hyundai ABS Funding, XXXX XXXX XXXX, Hyundai Auto Receivables Trust 2023-B, Hyundai Capital America , Does 5-100 Inclusive and XXXX engaged in a scheme whereby they issued Auto Loans to consumers and then sought to collect the amounts allegedly due to them that were not legally nor lawfully due/owed to them. \n\nAt all times relevant hereto, XXXXXXXX XXXX XXXXXXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ) scheme. \n\nIn order to earn securitization income from the Auto Loan securitization, XXXXXXXX XXXX XXXXXXXX sold its Auto Loan receivables to the Hyundai Auto Receivables Trust 2023-B. \nThe Auto Loan securitization process is set forth in the amended and restated Pooling and Servicing Agreement ( PSA ) between XXXXXXXX XXXX  XXXX, as seller, and the Hyundai Auto Receivables Trust XXXX trustee. A copy of the relevant portions of the PSA is attached hereto, incorporated herein, and marked as EXHIBIT \" A. '' Please note that I did not grant special authority or express agreement to XXXX XXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) to hypothecate my consumer goods/property ( merchandise title ) and intellectual property to collateralize investments on any future or forward markets or the right to sell on commercial paper. \n\nIn addition, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX & I Business Manager, General Manager, and Sales Manager stated that an illegal and unlawful down payment of {$2800.00} was required to drive off the car lot. However, the information provided was false and deceptive, violating 17 CFR 240.14c-6 : False or misleading representations. \n\nMoreover, you are under obligation to pay for goods and/or services ( securities/assets ) that you have fraudulently acquired on an open account from XXXX, XXXX, the Natural Living Woman consumer credit, the producer of the economic value for the transaction, and the supplier of the goods for exchange/trade. \n\nYou have undeniably committed fraud through misrepresentation and forgery of a registered security in your debt scheme under XXXX secured financing after purchasing my asset under the credit transaction and restating your accounts payable liability arising out of the loan contract, having purchased my security as a fictional customer deposit, which is your current liability owed to XXXX, XXXX, the Natural Living Woman in your balance sheet. The Securities Exchange Act of 1934 and Sections 11, 12, and 15 of The Securities Act of 1933 provide liabilities under the federal securities laws. EXHIBIT \" B. \n\nXXXXXXXX XXXX XXXX  's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ). \n\nSection 10 ( b ) of the Securities Exchange Act prohibits the use of any manipulative or deceptive device or contrivance in contravention of rules prescribed by the SEC in connection with the purchase or sale of any security or security-based swap agreement. Furthermore, the antifraud rule, Rule 10b5 ; Rule 10b5 prohibits use of any means of interstate commerce to ( a ) employ any device, scheme, or artifice to defraud, ( b ) make material misstatements or omissions, or ( c ) engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security. \n\nPlease take note that Rule 10b5 can be enforced by the SEC in injunctive and civil penalty actions, brought pursuant to 21 ( d ) of the Exchange Act, and by the Justice Department in actions pursuant to 32 ( a ) of the Exchange Act, which imposes criminal liability for willful violations of the Exchange Act. \n\nSection 11 ( a ) makes specified persons liable for any untrue statement of material fact in a registration statement or any omission of any material fact required to be stated in a registration statement or necessary to make statements therein not misleading to any person acquiring the relevant security unless the acquirer knew of such untruth or omission at the time of the acquisition.\n\n1. Persons Liable If a registration statement is false or misleading, 11 ( a ) makes liable : a. the issuer; b. the directors of the issuer ; c. persons named, by their consent, in the registration statement as about to become directors of the issuer ; d. every person who signs the registration statement ; e. every expert ( e.g., accountant, engineer, appraiser, etc. ) who is named by consent as having certified or prepared any part of the registration statement ; and f. every underwriter of the relevant security. \n\nDue to the Unethical Deceptive Practices Acts of XXXX XXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX I demand to be immediately compensated and demand you to perform upon my underlying obligation, which you unlawfully hold in custody or bailment. You are to immediately refund me the value of my securities and the percentage of proceeds realized from monopolizing my species of goods in restraint of trade due to Securities Fraud committed by the parties as evidenced by Certified Forensic Audit. Transfer the securities to my Treasury Direct Account ( TDA ) # XXXX.\n\nI retain exclusive rights and jurisdiction as the source of the authority, having manufactured the value as I am the holder in due course of the instrument ( s ). Refer to Uniform Commercial Code 3-302. HOLDER IN DUE COURSE and 16 CFR Part 433.2- Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.\n\nUCC 9-311. PERFECTION OF SECURITY INTERESTS IN PROPERTY SUBJECT TO CERTAIN STATUTES, REGULATIONS, AND TREATIES. \n( a ) [ Security interest subject to other law. ] Except as otherwise provided in subsection ( d ), the filing of a financing statement is not necessary or effective to perfect a security interest in property subject to : ( 1 ) a statute, regulation, or treaty of the United States whose requirements for a security interest 's obtaining priority over the rights of a lien creditor with respect to the property preempt Section 9-310 ( a ) ; ( 2 ) [ list any statute covering automobiles, trailers, mobile homes, boats, farm tractors, or the like, which provides for a security interest to be indicated on a certificate of title as a condition or result of perfection, and any non-Uniform Commercial Code central filing statute ] ; or ( 3 ) a statute of another jurisdiction which provides for a security interest to be indicated on a certificate of title as a condition or result of the security interest 's obtaining priority over the rights of a lien creditor with respect to the property.\n\nI require you to render a receipt for payment of my canceled and paid-in-full payment instrument acknowledging account settlement and payment adjustment as you, the true Debtor ( s ) are delinquent in payments, taxes, insurance, customs, and duties due to me.\n\nFurthermore, I demand that XXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate partners return to me every dollar of my labor placed upon your books and all payday loans plus interest I have ever paid to you for the duration of the fraudulent agreement. \n\nIn addition, I demand that XXXX remove the bogus lien placed against my consumer goods immediately and convey the title to my consumer goods back to XXXX, XXXX, XXXX : Natural Living Woman. \n\nMoreover, I demand that XXXX XXXXXXXX XXXX XXXX XXXX and XXXX release my CUSIP NUMBER IMMEDIATELY. Albeit the CUSIP number was obtained in a Certified Forensic Audit, I am considering filing a claim for my STOLEN UNITED STATES REGISTERED SECURITIES with the Department of the Treasury Bureau of the Fiscal Service as there is a Treasury Direct Account for XXXX, XXXX, Natural Living Women. \n\nDue to the securities fraud committed on behalf of the actors and actresses and the defects associated with security interest of the XXXX XXXX XXXX # XXXX, which is currently under investigation by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Office of Defects Investigation due to a severe automobile accident that occurred on XX/XX/XXXX, that resulted in severe injuries to the consumer for the Negligent and Intentional Infliction of Physical Emotional and Financial Distress, I demand compensatory and punitive damages against XXXX XXXX XXXXXXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) jointly and severally, in an amount in excess of {$150000.00} ( XXXX XXXX and XXXX XXXX dollars ) EXHIBIT \" C. '' Pursuant to the MagnusonMoss Warranty Act, any warrantor warranting a consumer product to a consumer by means of a written warranty must disclose, fully and conspicuously, in simple and readily understood language, the terms and conditions of the warranty to the extent required by rules of the Federal Trade Commission. The FTC has enacted regulations governing the disclosure of written consumer product warranty terms and conditions on consumer products that actually cost the consumer more than {$15.00}. The Rules can be found at 16 C.F.R. Part 701. Under the terms of the Act, ambiguous statements in a warranty are construed against the drafter of the warranty. \n\nUnder a full warranty, in the case of a defect, malfunction, or failure to conform with the written warranty, the warrantor : can remedy the consumer product within a reasonable time and without charge. \nmay not impose any limitation on the duration of any implied warranty on the product.\n\nmay not exclude or limit consequential damages for a breach of any written or implied warranty on the product unless the exclusion or limitation conspicuously appears on the face of the warranty ; and If the product or a component part contains a defect or malfunction, the consumer must be permitted to elect either a refund or replacement without charge after a reasonable number of repair attempts. \n\nIn addition, the warrantor may not impose any duty, other than notification, upon any consumer as a condition of securing the repair of any consumer product that malfunctions, is defective, or does not conform to the written warranty. However, the warrantor may require consumers to return a defective item to its place of purchase for repair. The MagnusonMoss Warranty Act does not invalidate or restrict any right or remedy of any consumer under any other federal law, nor does the act supersede the Federal Trade Commission Act as it pertains to antitrust actions.\n\nTherefore, Pursuant to the MagnusonMoss Warranty Act, I demand a full replacement of the vehicle of my choosing within three business days with a free and clear title along with the value of the vehicle for my valuable consideration of a fraudulent conveyance delivered to the address XXXX XXXX XXXX, XXXX, GA XXXX Monday-Friday between the hours of XXXX XXXXXXXX XXXX \nChoice 1 ) : XXXX ; Choice XXXX ) : XXXX ; Choice 3 ) : XXXX. \n\nXXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) can provide the requested information and document at the location listed below due to your deceptive acts in committing Identity Theft, forgery, wire fraud, concealment, conspiracy, and securities fraud. You are NOT the CREDITOR, as the Rescission Notice effectuates satisfaction of my security interest and cancellation of the security agreement. \n\nI make a demand upon XXXX to IMMEDIATELY cease furnishing inaccurate account information to all credit bureaus regarding the consumer named herein and permanently remove the bogus account item from the credit file as you are NOT the creditor, rather the Debtor since having committed identity theft, concealment, fraud, conspiracy, securities fraud, wire fraud amongst other federal crimes, therefore, causing, the consumer, a commercial disparagement. \n\nYou are prohibited from using, selling, transferring, or assigning the consumer 's non-public personal information, including my social security account number, to any parties and permanently deleting any record/information of the consumer named herein from your database and/or repositories. \n\nPursuant to the mandatory Prospectus filed with Hyundai, the following documents incorporated by reference and the Part of Form 10-K ( e.g., Part I, Part II, etc. ) into which the document is incorporated : ( 1 ) Any annual report to security holders ; ( 2 ) Any proxy or information statement ; and ( 3 ) Any prospectus filed pursuant to Rule 424 ( b ) or ( c ) under the Securities Act of 1933. SEC Form 424B2 is the prospectus form that a company must file if it is making a primary offering of securities on a delayed basis. It is an important part of the initial public offering ( IPO ) process. Rule 424 ( b ) or ( c ) are required to file SEC Form 424B2 because of Rule 424 ( b ) ( 2 ) of the Securities Act of 1933. This act was created to protect investors by requiring securities issues to file detailed information with the Securities and Exchange Commission ( SEC ) before selling new securities to the public. There are many other disclosures and preparations that companies need to follow in order to carry out an IPO. SEC Form 424B2 is often used in the event of a delayed offering and discloses transaction-specific data such as the public offering price ( POP ).\n\nPer the Certified Forensic Audit, no Assignment was made as required by the Prospectus. XXXXxaminer recommends immediate pro-duction of document and review of all purchase documents and then notarized Agreement endorsements among all relevant parties.\n\nPlease note that the Treasury/Internal Revenue Service Form 56-Notice Concerning Fiduciary Relationship ; Form 8300-Reports of Cash Payments Over {$10000.00}, SF 28-Affidavit of Individual Surety, FOIA for IRS W8 will be filed and presented to the Treasury Department along with Form 3949-A Department of the Treasury-Internal Revenue Service Information Referral, Form op 90, and Form op 91 for claims against each individual actor and or actors estate due to the identity theft, restraint of trade, and deprivation of rights along with this letter, documents, and complaints to the Department of Justice.\n\nLastly, be advised this notice, along with affidavit ( s ), will be given to the Health and Human Services of the city of XXXX as the XXXX XXXX XXXX for the state of Georgia for the administration of the consumers and proper administration and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number xxx-xx [ 8616 ] for the matter of my estate. \n\nIn addition, all rights have been reserved for the delivery of an inability affidavit for tender of payment of any kind FOR THE CONSUMER due to the legal hardship under the BAR, their members, and associations. \n\nI hereby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific constitutional rights not to be bound by any contract or obligation that I have NOT entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion. \n\nPlease be advised and note that pursuant to Regulation Z 12 C.F.R. 1026, Right of Rescission, I rescind my consent to be liable or compelled to perform, therefore deducting my liability within this consumer transaction. \n\nIn addition, criminal fraud, forgery, identity theft, and fraudulent property conversions have NO statute of limitations. I will defend against and seek EVERY actor and actress in obtaining remedy for deprivation of my rights, privileges, and/or immunities secured by the FDCPA against ALL liable parties. \n\nAs a courtesy to obtain an expedited resolution to this matter, I will wait 3 business days before filing actions with ALL governmental entities to obtain my remedies. Failure to comply with my demands will result in liens and filings in the Court of Chancery, criminal prosecution, and revocation/termination of licenses.\n\nPlease keep in mind that I DO NOT HAVE TO SIGN a non-disclosure agreement known as ( NDA ) that would constitute bribery. However, I am willing to make an exception if and ONLY IF ALL of my demands are fully met. \nFurthermore, the down payment reimbursement and ALL funds shall be made VIA check IMMEDIATELY payable to : XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX XXXX, GA XXXX Best Regards, COPYRIGHT SIGNATURE RESERVED XXXX, XXXX [ Principal ] -All Natural Rights Reserved All Rights Reserved without Prejudice ( UCC1207/UCC1308 UCC 1103 ) Please address all future correspondence in the matter to Natural Living Human ; Natural Living Person XXXX XXXX First Name ] : [ XXXX ] the [ Family Name ] : XXXX, as commonly called via email or U.S.P.S Mail.\n\nAll calls may be recorded. \n\nAttachment ( s ) : 1. EXHIBIT A-Certified Forensic Audit ( In part ) 2. EXHIBIT B-XXXX XXXX XXXX Dealership Fraudulent Financial Security Instrument/ XXXX XXXX Instruments ( Final ) 3. EXHIBIT C-NHTSA, DIAGNOSTIC HISTORY ; HYUNDAI REJECTION OF REPLACEMENT VEHICLE 9/8/2023 4. EXHIBIT D-USAA Fraudulent Financial Statements Complaints were initiated to the SEC, IRS, SS, and OCC regarding this criminal matter.","date_sent_to_company":"2024-02-23T19:07:02.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"8290130","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-02-06T14:05:41.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> OF <em>XXXX</em> <em>XXXX</em> Hyundai Capital America <em>XXXX</em> <em>XXXX</em> and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( EBA ), The <em>Securities</em> Exchange Act ( SEA ) of 1933 and 1934, the <em>Foreign</em> <em>Corrupt</em> <em>Practices</em> Act ( FCPA ) ; The Bank Secrecy Act ( BSA ), The Indenture Trustee Act ( TIA ), the Consumer Financial Protection Act ( CFPA ), the Dodd-Frank Wall Street Reform and Consumer Protection Act"]},"sort":[9.283739,"8290130"]},{"_index":"complaint-public-v1","_id":"8269867","_score":8.913672,"_source":{"product":"Debt collection","complaint_what_happened":"NOTICE OF RESCISSION/ DEMAND FOR COMPENSATION AND PERFORMANCE FORGED SECURITIES, SECURITIES FRAUD, CONSPIRACY, WIRE FRAUD Correspondence sent via Email and Registered Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & USAA and All others, XXXX, XXXX, XXXX XXXX Original Creditor and Natural Living Woman , hereby rescind my consent to be liable or compelled to perform regarding the contract agreement ( Asset-Backed Securities ) [ 1 ] that was entered with XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. I allegedly entered into a contract agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) without the following : Full disclosure of my right to rescind [ 1 ] Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; [ 2 ] As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ) [ 3 ]. \n\nI have reason to believe that XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally, and with malice took advantage of my consumer credit by unjust enrichment.\n\nI. Full disclosure of my right to rescind2 II. Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; 3 III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ) 4. \n\nI have reason to believe that XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally and with malice took advantage of my consumer credit by unjust enrichment. \n\nAfter thoroughly reviewing all documents in my possession and having a certified a forensic audit conducted, I have found several abusive, oppressive, deceptive, misleading, defamatory, and unconscionable violations. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ), in conjunction with USAA, my commercial financial institution, has lied, cheated, and stolen from me. \n\nIt appears that XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( s ) are engaging in FRAUD5 by way of forgery,6 identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, computer fraud, terrorism, human trafficking, extortion, fraud in the execution, conspiracy with the intent to defraud, Securities fraud7 Racketeering, amongst other white-collar crimes. \n\nI did NOT, or do NOT ratify, any unauthorized acts by XXXX XXXX XXXX XXXX XXXX. broker/transfer agents, nor have I accepted any benefit from its unauthorized acts. \n\nMoreover, I choose not to do business with you and your partner ( s ) /affiliate ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY!! YOU are to cease further communication with me regarding the collection of such alleged debt regarding forged security. \n\nXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX USAA and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( EBA ), The Securities Exchange Act ( SEA ) of 1933 and 1934, the Foreign Corrupt Practices Act ( FCPA ) ; The Bank Secrecy Act ( BSA ), The Indenture Trustee Act ( TIA ), the Consumer Financial Protection Act ( CFPA ), the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Debt Collection Practices Act ( FDCPA ), the Federal Trade Commission ( FTC ) Act ; the Equal Credit Opportunity Act ( ECOA ) ; the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ; the Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 ; the Truth-in-Lending Act ( TILA ) ; the Federal Reserve Boards Regulations B and Z ( FRA ) ; the Gramm-Leach-Bliley Act ( GLBA ) ; the Fair Credit Extension Uniformity Act ( FCEUA ), the Racketeering influenced and corrupt Organizations Act 18 section 1962 ( hereinafter referred to as RICO ) ; the Magnuson-Moss Warranty Act ( MMWWA ), the Uniform Commercial Code ( UCC ), state adaptations of the Uniform Consumer Credit Code ( UCCC ), state motor vehicle retail installment sale and loan Acts, state servicing laws ; state insurance laws, and other state and federal violations. \n\nNow know that XXXX, XXXX, XXXX, have revoked, rescinded, annulled, and made void, and by these presents revoke, countermand, annul, and make void the said letter of agency/attorney and all power and authority given or intended to be given to the said XXXX XXXX XXXX XXXX XXXX USAA and it affiliate partners XXXX \n\nTherefore, I also revoke, cancel, and make void ab initio all powers of attorney and substitution, in fact, in presumption, or otherwise, signed by either me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney, and substitution pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. \n\nWho are you, and under what authority did you, or do you continue to contact me? The fraudulent agreement under which you presume some power is only implied by a simple contract. Again, any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. \n\nUnder your debt scheme, whereas on XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX Does 5-100 Inclusive and USAA engaged in a a scheme whereby they issued Auto Loans to consumers and then sought to collect the amounts allegedly due to them that were not legally nor lawfully due/owed to them. \n\nAt all times relevant hereto, XXXXXXXX XXXX XXXX XXXX primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ) scheme. \n\nIn order to earn securitization income from the Auto Loan securitization, XXXX of XXXX sold its Auto Loan receivables to the XXXX XXXX XXXX XXXXt 2023-B.\n\nThe Auto Loan securitization process is set forth in the amended and restated Pooling and Servicing Agreement ( PSA ) between XXXXXXXX XXXX XXXXXXXX, as seller, and the XXXX XXXX XXXX XXXX XXXX trustee. A copy of the relevant portions of the PSA is attached hereto, incorporated herein, and marked as EXHIBIT \" A. '' Please note that I did not grant special authority or express agreement to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) to hypothecate my consumer goods/property ( merchandise title ) and intellectual property to collateralize investments on any future or forward markets or the right to sell on commercial paper.8 In addition, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Business Manager, General Manager , and Sales Manager stated that an illegal and unlawful down payment of {$2800.00} was required to drive off the car lot. However, the information provided was false and deceptive, violating 17 CFR 240.14c-6 : False or misleading representations.9 Moreover, you are under obligation to pay for goods and/or services ( securities/assets ) that you have fraudulently acquired on an open account from XXXX, XXXX, the XXXX XXXX XXXX  consumer credit, the producer of the economic value for the transaction, and the supplier of the goods for exchange/trade. \nYou have undeniably committed fraud through misrepresentation and forgery of a registered security in your debt scheme under USAA secured financing after purchasing my asset under the credit transaction and restating your accounts payable liability arising out of the loan contract, having purchased my security as a fictional customer deposit, which is your current liability owed to XXXX, XXXX, the XXXX XXXX XXXX in your balance sheet. The Securities Exchange Act of 1934 and Sections 11, 12, and 15 of The Securities Act of 1933 provide liabilities under the federal securities laws. EXHIBIT \" B. \n\nXXXX XXXX XXXX XXXX  primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ). \n\nSection 10 ( b ) of the Securities Exchange Act prohibits the use of any manipulative or deceptive device or contrivance in contravention of rules prescribed by the SEC in connection with the purchase or sale of any security or security-based swap agreement.\n\nFurthermore, the antifraud rule, Rule 10b5 ; Rule 10b5 prohibits use of any means of interstate commerce to ( a ) employ any device, scheme, or artifice to defraud, ( b ) make material misstatements or omissions, or ( c ) engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security. \n\nPlease take note that Rule 10b5 can be enforced by the SEC in injunctive and civil penalty actions, brought pursuant to 21 ( d ) of the Exchange Act, and by the Justice Department in actions pursuant to 32 ( a ) of the Exchange Act, which imposes criminal liability for willful violations of the Exchange Act.\n\nSection 11 ( a ) makes specified persons liable for any untrue statement of material fact in a registration statement or any omission of any material fact required to be stated in a registration statement or necessary to make statements therein not misleading to any person acquiring the relevant security unless the acquirer knew of such untruth or omission at the time of the acquisition. \n1. Persons Liable If a registration statement is false or misleading, 11 ( a ) makes liable : a. the issuer; b. the directors of the issuer ; c. persons named, by their consent, in the registration statement as about to become directors of the issuer ; d. every person who signs the registration statement ; e. every expert ( e.g., accountant, engineer, appraiser, etc. ) who is named by consent as having certified or prepared any part of the registration statement ; and f. every underwriter of the relevant security. \n\nDue to the Unethical Deceptive Practices Acts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX I demand to be immediately compensated and demand you to perform upon my underlying obligation, which you unlawfully hold in custody or bailment. You are to immediately refund me the value of my securities and the percentage of proceeds realized from monopolizing my species of goods in restraint of trade due to Securities Fraud committed by the parties as evidenced by Certified Forensic Audit. Transfer the securities to my Treasury Direct Account ( TDA ) XXXX XXXX \n\nI retain exclusive rights and jurisdiction as the source of the authority, having manufactured the value as I am the holder in due course of the instrument ( s ). Refer to Uniform Commercial Code 3-302. HOLDER IN DUE COURSE and 16 CFR Part 433.2- Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.\n\nUCC 9-311. PERFECTION OF SECURITY INTERESTS IN PROPERTY SUBJECT TO CERTAIN STATUTES, REGULATIONS, AND TREATIES. \n( a ) [ Security interest subject to other law. ] Except as otherwise provided in subsection ( d ), the filing of a financing statement is not necessary or effective to perfect a security interest in property subject to : ( 1 ) a statute, regulation, or treaty of the United States whose requirements for a security interest 's obtaining priority over the rights of a lien creditor with respect to the property preempt Section 9-310 ( a ) ; ( 2 ) [ list any statute covering automobiles, trailers, mobile homes, boats, farm tractors, or the like, which provides for a security interest to be indicated on a certificate of title as a condition or result of perfection, and any non-Uniform Commercial Code central filing statute ] ; or ( 3 ) a statute of another jurisdiction which provides for a security interest to be indicated on a certificate of title as a condition or result of the security interest 's obtaining priority over the rights of a lien creditor with respect to the property. \n\nI require you to render a receipt for payment of my canceled and paid-in-full payment instrument acknowledging account settlement and payment adjustment as you, the true Debtor ( s ) are delinquent in payments, taxes, insurance, customs, and duties due to me. \n\nFurthermore, I demand that XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate partners return to me every dollar of my labor placed upon your books and all payday loans plus interest I have ever paid to you for the duration of the fraudulent agreement.\n\nIn addition, I demand that USAA remove the bogus lien placed against my consumer goods immediately and convey the title to my consumer goods back to XXXX, XXXX, XXXX : XXXX XXXX XXXX \n\nMoreover, I demand that XXXX XXXXXXXX XXXX XXXXXXXX XXXX  and USAA release my CUSIP NUMBER IMMEDIATELY. Albeit the CUSIP number was obtained in a Certified Forensic Audit, I am considering filing a claim for my STOLEN UNITED STATES REGISTERED SECURITIES with the Department of the Treasury Bureau of the Fiscal Service as there is a Treasury Direct Account for XXXX, XXXXXXXX XXXX XXXX XXXX \n\nDue to the securities fraud committed on behalf of the actors and actresses and the defects associated with security interest of the XXXX XXXX XXXX # XXXX, which is currently under investigation by the National Highway Transportation Safety Administration ( NHTSA ) Office of Defects Investigation due to a severe automobile accident that occurred on XXXX XXXXXX/XX/XXXX, that resulted in severe injuries to the consumer for the Negligent and Intentional Infliction of Physical Emotional and Financial Distress, I demand compensatory and punitive damages against XXXX XXXX XXXX XXXX XXXX XXXX  XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) jointly and severally, in an amount in excess of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXHIBIT \" C. '' Pursuant to the MagnusonMoss Warranty Act, any warrantor warranting a consumer product to a consumer by means of a written warranty must disclose, fully and conspicuously, in simple and readily understood language, the terms and conditions of the warranty to the extent required by rules of the Federal Trade Commission. The FTC has enacted regulations governing the disclosure of written consumer product warranty terms and conditions on consumer products that actually cost the consumer more than {$15.00}. The Rules can be found at 16 C.F.R. Part 701. Under the terms of the Act, ambiguous statements in a warranty are construed against the drafter of the warranty. \n\nUnder a full warranty, in the case of a defect, malfunction, or failure to conform with the written warranty, the warrantor : can remedy the consumer product within a reasonable time and without charge. \nmay not impose any limitation on the duration of any implied warranty on the product.\n\nmay not exclude or limit consequential damages for a breach of any written or implied warranty on the product unless the exclusion or limitation conspicuously appears on the face of the warranty ; and If the product or a component part contains a defect or malfunction, the consumer must be permitted to elect either a refund or replacement without charge after a reasonable number of repair attempts.\n\nIn addition, the warrantor may not impose any duty, other than notification, upon any consumer as a condition of securing the repair of any consumer product that malfunctions, is defective, or does not conform to the written warranty. However, the warrantor may require consumers to return a defective item to its place of purchase for repair. The MagnusonMoss Warranty Act does not invalidate or restrict any right or remedy of any consumer under any other federal law, nor does the act supersede the Federal Trade Commission Act as it pertains to antitrust actions.\n\nTherefore, Pursuant to the MagnusonMoss Warranty Act, I demand a full replacement of the vehicle of my choosing within three business days with a free and clear title along with the value of the vehicle for my valuable consideration of a fraudulent conveyance delivered to the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA XXXX and its affiliate ( s ) /partner ( s ) can provide the requested information and document at the location listed below due to your deceptive acts in committing Identity Theft, forgery, wire fraud, concealment, conspiracy, and securities fraud. You are NOT the CREDITOR, as the Rescission Notice effectuates satisfaction of my security interest and cancellation of the security agreement. \nI make a demand upon USAA to IMMEDIATELY cease furnishing inaccurate account information to all credit bureaus regarding the consumer named herein and permanently remove the bogus account item from the credit file as you are NOT the creditor, rather the Debtor since having committed identity theft, concealment, fraud, conspiracy, securities fraud, wire fraud amongst other federal crimes, therefore, causing, the consumer, a commercial disparagement. \n\nYou are prohibited from using, selling, transferring, or assigning the consumer 's non- public personal information, including my social security account number, to any parties and permanently deleting any record/information of the consumer named herein from your database and/or repositories. \n\nPursuant to the mandatory Prospectus filed with XXXX, the following documents incorporated by reference and the Part of Form 10-K ( e.g., Part I, Part II, etc. ) into which the document is incorporated : ( 1 ) Any annual report to security holders ; ( 2 ) Any proxy or information statement ; and ( 3 ) Any prospectus filed pursuant to Rule 424 ( b ) or ( c ) under the Securities Act of 1933. SEC Form 424B2 is the prospectus form that a company must file if it is making a primary offering of securities on a delayed basis. It is an important part of the initial public offering ( IPO ) process. Rule 424 ( b ) or ( c ) are required to file SEC Form 424B2 because of Rule 424 ( b ) ( 2 ) of the Securities Act of 1933. This act was created to protect investors by requiring securities issues to file detailed information with the Securities and Exchange Commission ( SEC ) before selling new securities to the public. There are many other disclosures and preparations that companies need to follow in order to carry out an IPO. SEC Form 424B2 is often used in the event of a delayed offering and discloses transaction-specific data such as the public offering price ( POP ). \n\nPer the Certified Forensic Audit, no Assignment was made as required by the Prospectus. 10 Examiner recommends immediate pro-duction of document and review of all purchase documents and then notarized Agreement endorsements among all relevant parties. \nPlease note that the Treasury/Internal Revenue Service Form 56-Notice Concerning Fiduciary Relationship ; Form 8300-Reports of Cash Payments Over {$10000.00}, SF 28- Affidavit of Individual Surety, FOIA for IRS W8 will be filed and presented to the Treasury Department along with Form 3949-A Department of the Treasury-Internal Revenue Service Information Referral, Form op 90 , and Form op 91 for claims against each individual actor and or actors estate due to the identity theft, restraint of trade, and deprivation of rights along with this letter, documents, and complaints to the Department of Justice. \nLastly, be advised this notice, along with affidavit ( s ), will be given to the Health and Human Services of the city of XXXX as the Regional Office 4 for the state of Georgia for the administration of the consumers and proper administration and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number XXXX XXXX XXXX ] for the matter of my estate. \nIn addition, all rights have been reserved for the delivery of an inability affidavit for tender of payment of any kind FOR THE CONSUMER due to the legal hardship under the BAR, their members, and associations. \n\nI hereby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific constitutional rights not to be bound by any contract or obligation that I have NOT entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion. \nPlease be advised and note that pursuant to Regulation Z 12 C.F.R. 1026, Right of Rescission, I rescind my consent to be liable or compelled to perform, therefore deducting my liability within this consumer transaction. \nIn addition, criminal fraud, forgery, identity theft, and fraudulent property conversions have NO statute of limitations. I will defend against and seek EVERY actor and actress in obtaining remedy for deprivation of my rights, privileges, and/or immunities secured by the FDCPA against ALL liable parties. \nAs a courtesy to obtain an expedited resolution to this matter, I will wait 3 business days before filing actions with ALL governmental entities to obtain my remedies. \nFailure to comply with my demands will result in liens and filings in the Court of Chancery, criminal prosecution, and revocation/termination of licenses.\n\nPlease keep in mind that I DO NOT HAVE TO SIGN a non-disclosure agreement known as ( NDA ) that would constitute bribery. However, I am willing to make an exception if and ONLY IF ALL of my demands are fully met. \nFurthermore, the down payment reimbursement and ALL funds shall be made VIA check IMMEDIATELY payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best Regards, COPYRIGHT SIGNATURE RESERVED XXXX XXXX  [ Principal ] -All Natural Rights Reserved All Rights Reserved without Prejudice ( UCC1207/UCC1308 UCC 1103 ) Please address all future correspondence in the matter to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as commonly called via email or U.S.P.S Mail. \nAll calls may be rXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USAA Financial Instruments XXXX Final XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUSAA Fraudulent Financial Statements","date_sent_to_company":"2024-02-02T13:34:50.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"8269867","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-02-02T13:15:28.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["<em>XXXX</em> XXXXXXXX <em>XXXX</em> XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> USAA and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( EBA ), The <em>Securities</em> Exchange Act ( SEA ) of 1933 and 1934, the <em>Foreign</em> <em>Corrupt</em> <em>Practices</em> Act ( FCPA ) ; The Bank Secrecy Act ( BSA ), The Indenture Trustee Act ( TIA ), the Consumer Financial Protection Act ( CFPA ), the Dodd-Frank Wall Street Reform and Consumer Protection Act"]},"sort":[8.913672,"8269867"]},{"_index":"complaint-public-v1","_id":"8269812","_score":8.882156,"_source":{"product":"Debt collection","complaint_what_happened":"NOTICE OF RESCISSION/ DEMAND FOR COMPENSATION AND PERFORMANCE FORGED SECURITIES, SECURITIES FRAUD, CONSPIRACY, WIRE FRAUD Correspondence sent via Email and Registered Mail XXXX Day of XXXX XXXX XXXXXXXX XXXX @ XXXX XXXX XXXXXXXX XXXX XXXX XXXX. \nC/O CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX ) XXXX [ XXXX ] XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. \nC/O CFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia ( U.S. state ), [ XXXX ] XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX ) [ XXXX ] XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX XXXX ) XXXX XXXX ] XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, [ XXXX XXXX Attention : XXXX XXXX XXXX ( Treasurer ) XXXX XXXX XXXX XXXX ( Indenture Trustee ) C/O Vice President XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX New York [ XXXX ] Attention : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX C/O-Vice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois [ XXXX ] Attention : XXXX XXXX  XXXX XXXX XXXX XXXX RE : XXXX XXXXXXXX XXXX XXXX XXXX.-CUSTOMER # XXXX # XXXX & XXXX Account # XXXX Dear XXXX XXXXXXXX XXXX XXXXXXXX XXXX & XXXX and All others, I, XXXX, XXXX XXXX Original Creditor and Natural Living Woman , hereby rescind my consent to be liable or compelled to perform regarding the contract agreement ( XXXX XXXX ) [ 1 ] that was entered with XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. I allegedly entered into a contract agreement with XXXX XXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX , and its affiliate ( s ) /partner ( s ) without the following : Full disclosure of my right to rescind [ 1 ] Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; [ 2 ] As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ) [ 3 ]. \n\nI have reason to believe that XXXX XXXX XXXX XXXXXXXX XXXX Hyundai Capital America , XXXX , and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally, and with malice took advantage of my consumer credit by unjust enrichment. \n\nI. Full disclosure of my right to rescind2 II. Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) ; 3 III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ) 4. \n\nI have reason to believe that XXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) knowingly, willingly, intentionally and with malice took advantage of my consumer credit by unjust enrichment. \n\nAfter thoroughly reviewing all documents in my possession and having a certified a forensic audit conducted, I have found several abusive, oppressive, deceptive, misleading, defamatory, and unconscionable violations. XXXX XXXX XXXX XXXXXXXX XXXX Hyundai Capital America , and its affiliate ( s ) /partner ( s ), in conjunction with XXXX, my commercial financial institution, has lied, cheated, and stolen from me. \n\nIt appears that XXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX and its affiliate ( s ) /partner ( s ) are engaging in FRAUD5 by way of forgery,6 identity theft, money laundering, tax evasion, fraudulent conversion, fraudulent concealment, computer fraud, terrorism, human trafficking, extortion, fraud in the execution, conspiracy with the intent to defraud, Securities fraud7 Racketeering, amongst other white-collar crimes. \n\nI did NOT, or do NOT ratify, any unauthorized acts by XXXX XXXX XXXX XXXX XXXX broker/transfer agents, nor have I accepted any benefit from its unauthorized acts. \n\nMoreover, I choose not to do business with you and your partner ( s ) /affiliate ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY!! YOU are to cease further communication with me regarding the collection of such alleged debt regarding forged security. \n\nXXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( EBA ), The Securities Exchange Act ( SEA ) of 1933 and 1934, the Foreign Corrupt Practices Act ( FCPA ) ; The Bank Secrecy Act ( BSA ), The Indenture Trustee Act ( TIA ), the Consumer Financial Protection Act ( CFPA ), the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Debt Collection Practices Act ( FDCPA ), the Federal Trade Commission ( FTC ) Act ; the Equal Credit Opportunity Act ( ECOA ) ; the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ; the Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003 ; the Truth-in-Lending Act ( TILA ) ; the Federal Reserve Boards Regulations B and Z ( FRA ) ; the Gramm-Leach-Bliley Act ( GLBA ) ; the Fair Credit Extension Uniformity Act ( FCEUA ), the Racketeering influenced and corrupt Organizations Act 18 section 1962 ( hereinafter referred to as XXXX  ) ; the Magnuson-Moss Warranty Act ( MMWWA ), the Uniform Commercial Code ( UCC ), state adaptations of the XXXX XXXX XXXX XXXX  ( XXXX  ), state motor vehicle retail installment sale and loan Acts, state servicing laws ; state insurance laws, and other state and federal violations. \n\nNow know that XXXX, XXXX, XXXX, have revoked, rescinded, annulled, and made void, and by these presents revoke, countermand, annul, and make void the said letter of agency/attorney and all power and authority given or intended to be given to the said XXXX XXXX XXXX XXXX XXXX XXXX and it affiliate partners . \n\nTherefore, I also revoke, cancel, and make void ab initio all powers of attorney and substitution, in fact, in presumption, or otherwise, signed by either me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney, and substitution pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. \n\nWho are you, and under what authority did you, or do you continue to contact me? The fraudulent agreement under which you presume some power is only implied by a simple contract. Again, any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. \n\nUnder your debt scheme, whereas on XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, Hyundai Capital America, Hyundai XXXX XXXX, XXXX XXXX XXXX, Hyundai Auto Receivables Trust 2023-B, Hyundai Capital America , Does 5-100 Inclusive and XXXX  engaged in a a scheme whereby they issued Auto Loans to consumers and then sought to collect the amounts allegedly due to them that were not legally nor lawfully due/owed to them. \n\nAt all times relevant hereto, XXXXXXXX XXXX XXXXXXXX 's primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ) scheme. \n\nIn order to earn securitization income from the Auto Loan securitization, XXXX of XXXX sold its Auto Loan receivables to the Hyundai Auto Receivables Trust XXXX-B. \nThe Auto Loan securitization process is set forth in the amended and restated Pooling and Servicing Agreement ( PSA ) between XXXXXXXX XXXX XXXXXXXX, as seller, and the Hyundai Auto Receivables Trust 2023-B- trustee. A copy of the relevant portions of the PSA is attached hereto, incorporated herein, and marked as EXHIBIT \" A. '' Please note that I did not grant special authority or express agreement to XXXX XXXX XXXX XXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) to hypothecate my consumer goods/property ( merchandise title ) and intellectual property to collateralize investments on any future or forward markets or the right to sell on commercial paper.8 In addition, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Manager, General Manager , and Sales Manager stated that an illegal and unlawful down payment of {$2800.00} was required to drive off the car lot. However, the information provided was false and deceptive, violating 17 CFR 240.14c-6 : False or misleading representations.9 Moreover, you are under obligation to pay for goods and/or services ( securities/assets ) that you have fraudulently acquired on an open account from XXXX, XXXX, the Natural Living Woman consumer credit, the producer of the economic value for the transaction, and the supplier of the goods for exchange/trade. \nYou have undeniably committed fraud through misrepresentation and forgery of a registered security in your debt scheme under XXXX secured financing after purchasing my asset under the credit transaction and restating your accounts payable liability arising out of the loan contract, having purchased my security as a fictional customer deposit, which is your current liability owed to XXXX, XXXX, the Natural Living Woman in your balance sheet. The Securities Exchange Act of 1934 and Sections 11, 12, and 15 of The Securities Act of 1933 provide liabilities under the federal securities laws. EXHIBIT \" B.\n\nXXXX XXXX XXXX XXXX primary revenues came from interest income on loan receivables, securitization income derived from the transfer of auto loan receivables, securitization trusts, and subsequent issuance of beneficial interests through securitization transactions ( hereinafter referred to as \" the securitization '' ).\n\nSection 10 ( b ) of the Securities Exchange Act prohibits the use of any manipulative or deceptive device or contrivance in contravention of rules prescribed by the SEC in connection with the purchase or sale of any security or security-based swap agreement.\n\nFurthermore, the antifraud rule, Rule 10b5 ; Rule 10b5 prohibits use of any means of interstate commerce to ( a ) employ any device, scheme, or artifice to defraud, ( b ) make material misstatements or omissions, or ( c ) engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security.\n\nPlease take note that Rule 10b5 can be enforced by the SEC in injunctive and civil penalty actions, brought pursuant to 21 ( d ) of the Exchange Act, and by the Justice Department in actions pursuant to 32 ( a ) of the Exchange Act, which imposes criminal liability for willful violations of the Exchange Act.\n\nSection 11 ( a ) makes specified persons liable for any untrue statement of material fact in a registration statement or any omission of any material fact required to be stated in a registration statement or necessary to make statements therein not misleading to any person acquiring the relevant security unless the acquirer knew of such untruth or omission at the time of the acquisition.\n\n1. Persons Liable If a registration statement is false or misleading, 11 ( a ) makes liable : a. the issuer; b. the directors of the issuer ; c. persons named, by their consent, in the registration statement as about to become directors of the issuer ; d. every person who signs the registration statement ; e. every expert ( e.g., accountant, engineer, appraiser, etc. ) who is named by consent as having certified or prepared any part of the registration statement ; and f. every underwriter of the relevant security. \n\nDue to the Unethical Deceptive Practices Acts of XXXX XXXX XXXX XXXX XXXX Hyundai Capital America , XXXX XXXX I demand to be immediately compensated and demand you to perform upon my underlying obligation, which you unlawfully hold in custody or bailment. You are to immediately refund me the value of my securities and the percentage of proceeds realized from monopolizing my species of goods in restraint of trade due to Securities Fraud committed by the parties as evidenced by Certified Forensic Audit. Transfer the securities to my Treasury Direct Account ( XXXX ) # XXXX. \n\nI retain exclusive rights and jurisdiction as the source of the authority, having manufactured the value as I am the holder in due course of the instrument ( s ). Refer to XXXX XXXX XXXX XXXX. HOLDER IN DUE COURSE and 16 CFR Part 433.2- Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.\n\nXXXX XXXX. PERFECTION OF SECURITY INTERESTS IN PROPERTY SUBJECT TO CERTAIN STATUTES, REGULATIONS, AND TREATIES.\n\n( a ) [ Security interest subject to other law. ] Except as otherwise provided in subsection ( d ), the filing of a financing statement is not necessary or effective to perfect a security interest in property subject to : ( 1 ) a statute, regulation, or treaty of the United States whose requirements for a security interest 's obtaining priority over the rights of a lien creditor with respect to the property preempt Section 9-310 ( a ) ; ( 2 ) [ list any statute covering automobiles, trailers, mobile homes, boats, farm tractors, or the like, which provides for a security interest to be indicated on a certificate of title as a condition or result of perfection, and any nonXXXX XXXX XXXX  central filing statute ] ; or ( 3 ) a statute of another jurisdiction which provides for a security interest to be indicated on a certificate of title as a condition or result of the security interest 's obtaining priority over the rights of a lien creditor with respect to the property. \n\nI require you to render a receipt for payment of my canceled and paid-in-full payment instrument acknowledging account settlement and payment adjustment as you, the true Debtor ( s ) are delinquent in payments, taxes, insurance, customs, and duties due to me.\n\nFurthermore, I demand that XXXX XXXXXXXX XXXX XXXXXXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate partners return to me every dollar of my labor placed upon your books and all payday loans plus interest I have ever paid to you for the duration of the fraudulent agreement. \n\nIn addition, I demand that XXXX remove the bogus lien placed against my consumer goods immediately and convey the title to my consumer goods back to XXXX, XXXX, XXXX : Natural Living Woman. \n\nMoreover, I demand that XXXX XXXX OF XXXX XXXX and XXXX release my XXXX  NUMBER IMMEDIATELY. Albeit the XXXX  number was obtained in a Certified Forensic Audit, I am considering filing a claim for my STOLEN UNITED STATES REGISTERED SECURITIES with the Department of the Treasury Bureau of the Fiscal Service as there is a Treasury Direct Account for XXXX, XXXX, Natural Living Women. \n\nDue to the securities fraud committed on behalf of the actors and actresses and the defects associated with security interest of the XXXX XXXX XXXX # XXXX, which is currently under investigation by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Office of Defects Investigation due to a severe automobile accident that occurred on XX/XX/XXXX, that resulted in severe injuries to the consumer for the Negligent and Intentional Infliction of Physical Emotional and Financial Distress, I demand compensatory and punitive damages against XXXX of XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) jointly and severally, in an amount in excess of {$150000.00} ( XXXX XXXX and XXXX XXXX dollars ) EXHIBIT \" C. '' Pursuant to the MagnusonMoss Warranty Act, any warrantor warranting a consumer product to a consumer by means of a written warranty must disclose, fully and conspicuously, in simple and readily understood language, the terms and conditions of the warranty to the extent required by rules of the Federal Trade Commission. The FTC has enacted regulations governing the disclosure of written consumer product warranty terms and conditions on consumer products that actually cost the consumer more than {$15.00}. The Rules can be found at XXXX C.F.R. Part XXXX. Under the terms of the XXXX, ambiguous statements in a warranty are construed against the drafter of the warranty. \n\nUnder a full warranty, in the case of a defect, malfunction, or failure to conform with the written warranty, the warrantor : can remedy the consumer product within a reasonable time and without charge. \nXXXX not impose any limitation on the duration of any implied warranty on the product. \nXXXX not exclude or limit consequential damages for a breach of any written or implied warranty on the product unless the exclusion or limitation conspicuously appears on the face of the warranty ; and If the product or a component part contains a defect or malfunction, the consumer must be permitted to elect either a refund or replacement without charge after a reasonable number of repair attempts. \n\nIn addition, the warrantor XXXX not impose any duty, other than notification, upon any consumer as a condition of securing the repair of any consumer product that malfunctions, is defective, or does not conform to the written warranty. However, the warrantor XXXX require consumers to return a defective item to its place of purchase for repair. The MagnusonMoss Warranty Act does not invalidate or restrict any right or remedy of any consumer under any other federal law, nor does the act supersede the Federal Trade Commission XXXX as it pertains to antitrust actions. \n\nTherefore, Pursuant to the MagnusonMoss Warranty Act, I demand a full replacement of the vehicle of my choosing within XXXX business days with a free and clear title along with the value of the vehicle for my valuable consideration of a fraudulent conveyance delivered to the address XXXX XXXX XXXX, XXXX, GA XXXX XXXX between the hours of XXXX XXXX XXXX. \nChoice XXXX ) : XXXX ; Choice XXXX ) : XXXX ; Choice XXXX ) : XXXX. \n\nXXXX XXXX OF XXXX XXXX Hyundai Capital America XXXX XXXX XXXX and its affiliate ( s ) /partner ( s ) can provide the requested information and document at the location listed below due to your deceptive acts in committing Identity Theft, forgery, wire fraud, concealment, conspiracy, and securities fraud. You are NOT the CREDITOR, as the Rescission Notice effectuates satisfaction of my security interest and cancellation of the security agreement. \nI make a demand upon XXXX to IMMEDIATELY cease furnishing inaccurate account information to all credit bureaus regarding the consumer named herein and permanently remove the bogus account item from the credit file as you are NOT the creditor, rather the Debtor since having committed identity theft, concealment, fraud, conspiracy, securities fraud, wire fraud amongst other federal crimes, therefore, causing, the consumer, a commercial disparagement. \n\nYou are prohibited from using, selling, transferring, or assigning the consumer 's non- public personal information, including my social security account number, to any parties and permanently deleting any record/information of the consumer named herein from your database and/or repositories. \n\nPursuant to the mandatory Prospectus filed with XXXX, the following documents incorporated by reference and the Part of Form 10-K ( e.g., Part I, Part II, etc. ) into which the document is incorporated : ( 1 ) Any annual report to security holders ; ( 2 ) Any proxy or information statement ; and ( 3 ) Any prospectus filed pursuant to Rule 424 ( b ) or ( c ) under the Securities Act of 1933. SEC Form 424B2 is the prospectus form that a company must file if it is making a primary offering of securities on a delayed basis. It is an important part of the initial public offering ( IPO ) process. Rule 424 ( b ) or ( c ) are required to file SEC Form 424B2 because of Rule 424 ( b ) ( 2 ) of the Securities Act of 1933. This act was created to protect investors by requiring securities issues to file detailed information with the Securities and Exchange Commission ( SEC ) before selling new securities to the public. There are many other disclosures and preparations that companies need to follow in order to carry out an IPO. SEC Form 424B2 is often used in the event of a delayed offering and discloses transaction-specific data such as the public offering price ( POP ).\n\nPer the Certified Forensic Audit, no Assignment was made as required by the Prospectus. 10 Examiner recommends immediate pro-duction of document and review of all purchase documents and then notarized Agreement endorsements among all relevant parties.\n\nPlease note that the Treasury/Internal Revenue Service Form 56-Notice Concerning Fiduciary Relationship ; Form 8300-Reports of Cash Payments Over {$10000.00}, SF 28- Affidavit of Individual Surety, FOIA for IRS W8 will be filed and presented to the Treasury Department along with Form 3949-A Department of the Treasury-Internal Revenue Service Information Referral, Form op 90 , and Form op 91 for claims against each individual actor and or actors estate due to the identity theft, restraint of trade, and deprivation of rights along with this letter, documents, and complaints to the Department of Justice.\n\nLastly, be advised this notice, along with affidavit ( s ), will be given to the Health and Human Services of the city of XXXX as the XXXX XXXX 4 for the state of Georgia for the administration of the consumers and proper administration and enforcement through and by the office of the GENERAL COUNSEL for Legal enforcement as to the social security number XXXX  [ XXXX ] for the matter of my estate. \nIn addition, all rights have been reserved for the delivery of an inability affidavit for tender of payment of any kind FOR THE CONSUMER due to the legal hardship under the BAR, their members, and associations.\n\nI hereby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific constitutional rights not to be bound by any contract or obligation that I have NOT entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion.\n\nPlease be advised and note that pursuant to Regulation Z 12 C.F.R. 1026, Right of Rescission, I rescind my consent to be liable or compelled to perform, therefore deducting my liability within this consumer transaction. \nIn addition, criminal fraud, forgery, identity theft, and fraudulent property conversions have NO statute of limitations. I will defend against and seek EVERY actor and actress in obtaining remedy for deprivation of my rights, privileges, and/or immunities secured by the FDCPA against ALL liable parties. \nAs a courtesy to obtain an expedited resolution to this matter, I will wait 3 business days before filing actions with ALL governmental entities to obtain my remedies. \nFailure to comply with my demands will result in liens and filings in the Court of Chancery, criminal prosecution, and revocation/termination of licenses.\n\nPlease keep in mind that I DO NOT HAVE TO SIGN a non-disclosure agreement known as ( NDA ) that would constitute bribery. However, I am willing to make an exception if and ONLY IF ALL of my demands are fully met. \nFurthermore, the down payment reimbursement and ALL funds shall be made VIA check IMMEDIATELY payable to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, GA XXXX Best Regards, COPYRIGHT SIGNATURE RESERVED XXXX, XXXX [ Principal ] -All Natural Rights Reserved All Rights Reserved without Prejudice ( XXXXXXXX XXXX XXXXXXXX ) Please address all future correspondence in the matter to Natural Living Human ; Natural Living Person , [ First Name ] : [ XXXX ] the [ Family Name ] : XXXX, as commonly called via email or U.S.P.S Mail.\n\nAll calls may be recorded.\n\nAttachment ( s ) : 1. EXHIBIT A-Certified Forensic Audit ( In part ) 2. EXHIBIT B-XXXX XXXX XXXX Dealership Fraudulent Financial Security Instrument/ XXXX  Financial Instruments ( Final ) 3. EXHIBIT C-NHTSA, DIAGNOSTIC HISTORY ; HYUNDAI REJECTION OF REPLACEMENT VEHICLE XX/XX/XXXX XXXX. EXHIBIT D-XXXX  Fraudulent Financial Statements","date_sent_to_company":"2024-02-08T21:25:24.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"30291","tags":"Servicemember","has_narrative":true,"complaint_id":"8269812","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-02-02T13:34:55.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["<em>XXXX</em> XXXXXXXX <em>XXXX</em> XXXXXXXX <em>XXXX</em> Hyundai Capital America <em>XXXX</em> <em>XXXX</em> and its affiliate ( s ) /partner ( s ) intentionally, knowingly, willfully conspired in concert dismissing and violating federal laws of the Emergency Banking Act ( EBA ), The <em>Securities</em> Exchange Act ( SEA ) of 1933 and 1934, the <em>Foreign</em> <em>Corrupt</em> <em>Practices</em> Act ( FCPA ) ; The Bank Secrecy Act ( BSA ), The Indenture Trustee Act ( TIA ), the Consumer Financial Protection Act ( CFPA ), the Dodd-Frank Wall Street Reform and Consumer Protection"]},"sort":[8.882156,"8269812"]},{"_index":"complaint-public-v1","_id":"3206036","_score":8.737032,"_source":{"product":"Mortgage","complaint_what_happened":"I contact your Office to ask for protection against Wells Fargo Banks foreclosures fraud, identity theft and illegal trades on my property, name and signature without any disclosures ; and failure to comply with its promises to help wrongfully foreclosed veterans. \n\nIt is not a secret that Wells Fargo bank operates a massive Ponzi Scam in US Courts and illegal trading of void US securities ( aka XXXX non-existing REMIC Trusts mortgages ) where Wells Fargo, acting as a fake Plaintiff for a fictitious Trust, steal people 's identities ; obstructs justice and illegally foreclose while Wells Fargo received enormous profits, at least $ 3-4 million my property by secretly reselling the same loan multiply times without any disclosures to me or sharing any benefits from trades - plus got the free house and proceeds from the sale. \n\nThe entire Wells Fargo bank 's scheme depends completely on concealing the fact that the loan is the cornerstone of a much larger fraudulent scheme wherein the hidden players are going to make money in multiples of the amount loaned. In fact, borrowers, like myself who signed papers were in fact unknowingly issuing unregulated securities for the sole benefit of investment banks - without my knowledge, or consent, just by stealing my identity. \n\nA foreclosure initiated by Wells Fargo or defunct Trustees fails to comply with applicable law since none of them have the right to enforce the debt. ALL of them have received a benefit and some of them have received a windfall derived from trading on the borrowers signature on the note and mortgage in an amount far exceeding the principal amount loaned. And those benefits or trading profits were derived strictly because they were trading on the signature of the borrower, together with the borrowers name and reputation, without disclosure to the borrower of compensation to be received arising from the origination of the loan and without consent from the borrower to trade on his/her name. \n\nJudicial enthusiasm to give a free house to Wells Fargo bank via an empty nonexistent trust represented by a trustee with no trustee duties and whose authority derives from the nonexistent trust is to add insult to injury. When the market crashed none of the risk associated with this practice was absorbed by Wells Fargo or other banks that set it in motion. All of it was forced on borrowers who bailed out fraudulent banks with over {$30.00} Trillion taxpayers money even though they did not need a bailout but took it anyway. The banks ONLY concern is the preservation of the appearance of the loan as the base to a virtual tree and branches of derivatives that were traded in which WFB was not only relieved of any risk, but received trading profits equal to many times the amount loaned. All foreclosure litigation is thus a high stakes game for Wells Fargo bank who continue to conceal their true motives and intent. \n\nGovernments approval of the fundamental breach of the lenders obligation to make a viable loan seems like quackery to then give Wells Fargo bank, who is not a creditor, a free house and the proceeds of sale. Given the trading on the borrowers signature, name and reputation without disclosure much less consent, it seems like outright theft to reward them with a free house and the proceeds of foreclosure. This scheme was conceived in the context of a belief that they could get away with it and so far. The painful truth is that most people who left their keys on a clean kitchen counter were delivering a free house to a band of thieves who had already XXXX them several times. \n\nOn XX/XX/XXXX, President Obama announced that : Thousands of service members and veterans whose mortgages were wrongfully foreclosed on, or who were improperly denied lower mortgage interest rates in the national housing crisis, can receive significant relief. It is unconscionable that members of our armed forces and their families are among those who were most susceptible to losing their homes due to the unscrupulous acts of banks and mortgage lenders. He continued : \" If you are a member of the armed forces whose home was wrongfully foreclosed, you will be substantially compensated. The same provisions were stated under the Consent Judgement of XX/XX/XXXX in case XXXX and the National Mortgage Settlement, which Big Banks like Wells Fargo failed to adhere to. Lenders promised to review all foreclosures affecting American service members from XXXX onward. Service members wrongly foreclosed on would be compensated equal to the minimum of the lost equity, plus interest, at least {$110000.00}, plus other relief. None of these promises were fulfilled. \n\nI am a XXXX XXXX of the XXXX XXXX  XXXX XXXX, who received special recognition in the fight XXXX  XXXX XXXX. Returning to XXXX life, I found myself the victim of XXXX XXXX wrongful foreclosure filed on XX/XX/XXXX, or almost immediately after Wells Fargo and XXXX XXXX XXXX agreed to comply with the Federal Governments Orders to Cease and Desist. During last seven years, not once have I received any assistance from Wells Fargo Bank, even after I repeatedly request them to review my foreclosure. \n\nIve been subjected to endless bureaucratic and psychological torture committed by our countrys agencies as theyve failed me as a veteran, and a citizen. Again, I have never received a substantive response to my case every single response is a runaround letter. On the contrary, my foreclosure has turned into a major conflict. Wells Fargo Bank has hired an armada of lawyers, a force of two law Firms, with over 1,500 lawyers, against me, a solo ProSe female veteran. During the litigation, the enormity of our countrys corruption has been staggering. Not only does Wells Fargo have infinite resources to commit fraud against veterans, they have engaged a vast network of corrupt Illinois Court judges and politicians that aid and abet the Banks abuses against veterans. \n\nI once against respectfully request your Offices to use your authority to cease Wells Fargo Banks abuses and exploitations of American homeowners, especially veterans. I also request you to order Wells Fargo to comply with its promises under the Settlement, intervene in my case, and compensate me for other damages, including extreme emotional distress, total {$5.00} XXXX compensation requested. \n\nI also request a full audit for Natl Mortgage Settlement since Wells Fargo bank continues to operate its dark money laundering mill based on sales of illegal US securities ( aka fake REMIC Trusts XXXX ) to shady investors on foreign exchange markets, with full support from Judiciary and law enforcement authorities. \n\nStatement of Facts : On XX/XX/XXXX Wells Fargo bank acting under glimpse of XXXX Bank as Trustee for XXXX XXXX Trust, a non-existing fraudulent organization, filed a Complaint in Case XXXX where lawyer XXXX XXXX committed seven ( 7 )  perjuries on 3 pages, including a lie that XXXX was a Mortgagee for my loan with XXXX XXXX and Loan while XXXX was not a mortgagee. \n\nLawyer XXXX also lied that XXXX Bank is a Plaintiff and Trustee who is acting on behalf of Trust XXXX XXXX while XXXX Bank is not a Plaintiff, not a Trustee and this Trust is a fake which never was formed has absolutely no signs of existence. Moreover, XXXX Bank personally deny any involvement in foreclosures. In support to this fraudulent complaint lawyer XXXX ( still practices law ) submitted a forged Assignment with a separate page contained a stamped signature of long-defunct XXXX official XXXX XXXX. All Summons and Notices were intentionally served on a wrong address to prevent me from appearing in this case. \n\nThe first judge who handled this case and favorably ruled for Wells Fargo lawyers was XXXX XXXX XXXX, a well-connected judge from lawyers, bankers, realtors family, classmate with IL XXXX XXXX XXXX ( whose father XXXX XXXX is the most corrupt politician in Illinois ). XXXX ignored all violations, deficiencies, perjuries and forgeries committed by Wells Fargo lawyers ; disregarded defective service of process ( all Summons and notices were sent to unit XXXX while my unit is XXXX ) ; and favorably ruled for Wells Fargo bank whole lawyers from XXXX XXXX XXXX donated XXXX at least {$1000.00} for election. \n\nWhen I accidentally learned about this case, I appeared before XXXX and asked to vacate her void judgement, which she refused to do. Moreover, she threatened me from the bench and even sent me a criminal investigator to further scare and intimidate after I revealed her violations of the law and connections with Wells Fargo. \n\nXXXX recused herself from my case and it was assigned to XXXX XXXX XXXX, a well-connected judge who obtained his judicial seat through assignment from IL Democratic Party leader XXXX who regularly offers his patronage in distribution of judicial seats in exchange of donations and favors, of course. \n\nLawyers from Wells Fargo bank were absolutely confident that Judge XXXX ( whose son served XXXX as political aid ) will rule in their favor and ignore all laws and my evidence and documents, so on XX/XX/XXXX they recorded a Deed on my property based on void Order entered by corrupt XXXX XXXX, which is a glaring violation of my Due Process rights ( do not exist for people like myself in Illinois ). \n\nXXXX XXXX ( whose brother-in-law XXXX XXXX was Wells Fargos top lawyer from XXXX XXXX XXXX, and whose entire family is heavily involved in banking business ), didnt fail his parties of interests. \n\nHe completely ignored all my evidence and argument that the fake Plaintiff, Trust XXXX, does not exist and all evidence was forged and fabricated. XXXX was too busy cracking jokes about Murky XXXX practices while XXXX was not a mortgagee for my loan and had absolutely no relationship to this case. \n\nMoreover, XXXX refused to provide me a copy of a purportedly original document brought by Wells Fargo lawyers as a smoking gun evidence and claimed that it is exactly the same as attached to the Complaint, which was a lie. The document was not the same and lacked ANY chain of assignment, including forged stamped signature. XXXX XXXX even did not opened the Complaint to compare the documents when he ruled in favor of his parties of interests ; and criminally concealed this original document from the case records to defraud me and the Higher Courts. \n\nThe Appeal Court Justices XXXX, XXXX ( both XXXX XXXX friends who received money from WFB lawyers ) and XXXX never saw the document concealed by Judge XXXX, so they ruled that since XXXX ( not a mortgage ) assigned its interest to non-existing REMIC Trust XXXX XXXX XXXX XXXX, they deny my Appeal and award my property to Trust XXXX XXXX who pretended to be a Plaintiff. This is absurd and totally void decision. \n\nIllinois Supreme Court refused to handle my Petition for review ( ProSe people are not considered as equal parties by IL Court and have absolutely no chance to receive any justice since Illinois Judges only support those who hire lawyers, preferably from their Family and  Friends JustUs Club ( as IL Court system is publicly known ) ; and those who pay judges directly. \n\nSince I relied on US Supreme Court numerous rulings that fraud upon the Court vitiates the entire proceedings and can be attacked at any Court and at any time, I appeared back to Judge XXXX Room and asked to vacate his void judgment and review my case de novo. \n\nXXXX refused to vacate his void Order and attacked me with threats. He even invited a fraudulent impersonator, lawyer XXXX XXXX XXXX, a public officer who spent at least 30 minutes of his taxpayers funded time as a Real Estate Tax Bureau officer ( where XXXX XXXX racks his million lowering property taxes for his well-connected friends ) posing as a criminal prosecutor who will hold me in criminal contempt for refusing to comply with XXXX void Order. When I discovered that criminal prosecutor XXXX is a fake, it became obvious that XXXX, who just lost his judicial election, was courting a vote from XXXX hoping to be assigned as an Associate Judge through XXXX connections with XXXX XXXX, in exchange of a small favor to scare me and deprive from my rights to Justice. All my complaint to XXXX XXXX XXXX and XXXX XXXX were ignored or responded with runarounds since all authorities always cover for corrupt judges in our State. \n\nMy attempt to find Justice from Appeal Court also failed. Judges XXXX ( a crony to IL Supreme Court XXXX XXXX XXXX ) and XXXX, ( wife of well-connected lawyer XXXX ) denied my Motion to Stay sale due to void Judgement and my property was sold to a third party buyer who is currently in possession of stolen property. \n\nDuring all time in question Wells Fargo bank refused to communicate with me about this fraudulent foreclosure and referred to their lawyers, XXXX XXXX XXXX who also refused to talk to me hiding behind the back of their pre-paid judges. From XXXX to present time I received a binder-worth runarounds from myriad Wells Fargo bank telling me that my property was sold on XX/XX/XXXX, my foreclosure was filed in XXXX and even asking me if this foreclosure was valid. One employee  advised me that WFB does not have any documents about my foreclosure at all. \n\nAll of it is a glaring violation of the Settlement supported and enabled by judges who repeatedly abused their positions of public Trust and power to deprive me from Due Process rights and enable WFB fraud upon the Court. \n\nAt XX/XX/XXXX hearing of case XXXX, XXXX XXXX v. XXXX, et.al, XXXX XXXX XXXX continued the XXXX XXXX XXXX organized campaign of terror against a Pro Se litigant while protecting banks fraud in Illinois Court and personal interests of certain judges and politicians. At the hearing, XXXX used her position to not only to deny my Petition with prejudice but to also threaten me with armed police force by holding me in custody, against my will, without any cause and without any explanations in her court room after the hearing. XXXX, who earned her position through her personal connections, must resign from this case. My case must get a fair hearing with a judge who will not use intimidation tactics against innocent civilians in their court. \n\nBefore the hearing started, XXXX XXXX court room was entered by a Sheriff ( XXXX, as I later learned from deputy XXXX  ), who was apparently called by XXXX XXXX ( she is in control of her venue ) who went to the Judges chambers hallway and called XXXX XXXX XXXX XXXX and the next room deputy XXXX to give them instructions. \n\nWhen the hearing started, XXXX XXXX XXXX denied my Petition with prejudice, without giving me any chance to argue it. She ignored US Supreme Court authority and disregarded over 100 years of binding precedents which rule that void judgments, like mine, can be attacked at any Court and at any time. Furthermore, she declared that the Decision entered by XXXX XXXX, XXXX, XXXX and XXXX in Case XXXX IL App ( 1st ) XXXX now is the LAW, which effectively legalizes fraud in Illinois and violations of all Rules and applicable laws. To remind all of you, my case was based on flagrant fraud upon the Court and Plaintiff XXXX Banks lack of standing, forgery, perjury and obstruction of justice. The XXXX decision cited by XXXX XXXX as the LAW in my case was entered by Appeal Court Justices who never saw key evidence due to corrupt XXXX XXXX obstruction of justice when he excluded documents based on which he entered his decision from my case file. Only based on this fact my case must be reviewed de novo by an independent judge. Besides heinously declaring fraud into law, XXXX XXXX used her position to cause me emotional and physical harm by attempting to falsely imprison me. \n\nAt the end of the hearing, XXXX brought up my objection to XXXX decision by saying she was not going to address it that day and then left the courtroom. As soon as XXXX XXXX left, I was approached by deputies XXXX, XXXX, and XXXX who refused to let me leave the room and who had been stationed in the room since my arrival. All three officers were armed. \n\nXXXX XXXX demanded my drivers license, without even introducing himself. As I said above, I asked Deputies about his name, and it was given to me by deputy XXXX who said it was XXXX XXXX. I politely asked why he needed my documents. XXXX XXXX replied that he would tell me later. I asked the officers several times why I was being held in the Court room and why they needed my Drivers license, but all of them refused to give me an answer. When I asked if I could leave, I was told that I was in custody ( in fact, my custody under the law is considered as XXXX with armed force, solely with intent to scare, intimidate and coerce me to give up on my civil rights ). After about 20 minutes XXXX XXXX returned to the court room, gave me back my drivers license and left again. I asked deputies XXXX and XXXX, who continued to block the door from both sides, about what was going on and why I was in custody, they said that XXXX XXXX was searching for some warrants or any other cause to arrest me, and they will explain everything later. \n\nAbout 10 minutes later, XXXX XXXX shouted from XXXX XXXX hallway door that I was good to go without reappearing again. I asked again for an explanation for why I was detained for 30 minutes, which XXXX and XXXX just ignored. They walked away from me and left me there without any explanations, and without any apologies. It is important to note that I was alone in the room with these three armed deputies who were blocking the front door to prevent me from leaving ; and ready to arrest me in case I overreacted or attempted to fight back against their false imprisonment of me in XXXX courtroom. \n\nThe officers illegally seized my license from me in violation of 4th Amendment and under duress without any warrant or cause. They detained me while looking for a probable cause to arrest me. My record is totally clean ; there were absolutely no grounds for holding me in custody since I did not show any signs of inappropriate or suspicious behavior. All my Motions to reverse void judgement are based on the law and numerous precedents ; and I ALWAYS present them in the professional and respectful manner to judges. \n\nIt was obvious that XXXX XXXX orchestrated this false detainment ( which I consider as an aggravated XXXX to force me give up on my civil rights ) me in her courtroom, Room XXXX, for 30 minutes in an attempt to threaten and intimidate me and provoke a situation to cause mental anguish that might have instigated my arrest ; as well as intent to cause me body harm by placing under extreme emotional distress which XXXX definitely succeeded. \nXXXX malicious and intentional conduct ( since she was the only one who can call the Sheriffs and instruct them to detain me ) was heinous and beyond the standards of civilized decency or utterly intolerable in a civilized society. As the result, upon returning home I suffered from severe emotional breakdown, which I still can not recover from. \nThis was clearly an attempt by XXXX XXXX to exercise judicial terror against me to deter me from exposing the Courts corruption and judicial ties to my plaintiffs. \n\nThis was unquestionably a case of false detention, false imprisonment and XXXX where several armed individuals held another person a hostage, by fear, against her will to achieve certain unlawful goals, such as help Judges to cover for banks fraud upon the Court and  criminally and civilly deprive citizens of civil rights. \n\nLooking at XXXX XXXX record it is comes as little surprise that she is not a judge but a Mafioso in a judges robes : XXXX obtained her position as a judge through her husband, XXXX XXXX XXXX XXXX, who has publically known ties to the mafia corruption ( published in XXXX, Missing the Lifeboat?? book ), along with his long-time friends XXXX XXXX, XXXX XXXX and XXXX XXXX ; and his connections with corrupt judges like XXXX XXXX, who was closely related to the first judge in my case, XXXX XXXX XXXX who was XXXX clerk and who donated XXXX substantial amount of money. \n\nXXXX in XXXX lost her election, receiving only 22.4 % of votes, but in XXXX was appointed to her seat by the IL Supreme Court through her personal connections, specially taking into consideration Justice XXXX XXXX, XXXX XXXX XXXX work for XXXX husband, XXXX XXXX XXXX XXXX as his clerk. \n\nBetween XXXX XXXX XXXX donated and loaned to herself over {$150000.00} for her election, which is synonymous to buying her seat. Some of her donors include : XXXX XXXX, uncle of XXXX XXXX who entered original void decision in my case, and who was closely connected to XXXX XXXX family, who ruled in XXXX decision. \n\nXXXX also received money from a number of lawyers from XXXX XXXX XXXX including partner XXXX XXXX and XXXX XXXX, who represent Wells Fargo bank ( acting under glimpse of XXXX Bank ), plaintiffs in my case, and substantial amounts of money from Big Banks. XXXX has no business presiding over this case given her blatant conflict of interest with my cases Plaintiff and her corrupt history in the court. \n\nWhile Judges in other States confront Wells Fargo bank fraud in their Court rooms and protect US citizens, certain Illinois judges, especially those who obtained their positions in corrupt manner, are willing to commit fraud themselves to cover for Wells Fargo bank money laundering mill of illegal US securities in IL Courts.\n\nIllinois Judges always stood for Wells Fargo bank fraud upon the Court, in gross disregard of the law and evidence. \n\nAs an individual I have absolutely no remedies against Wells Fargo fraud and judicial corruption even though my case is a text-book fraud upon the Court and IF US Supreme Court decisions means something to IL judiciary, the decision must be revoked and my case must be reviewed de novo. \n\nI once again respectfully request your help and attention to this matter and ORDER to Wells Fargo bank for compensation for abuses. \n\nAlso, please advise does US Supreme Court still have any binding authority over local Courts or they can ignore it? When I mentioned US Supreme Court decision in XXXX  case that standing is required in every claim, Judge XXXX XXXX ( five times election loser assigned with XXXX XXXX patronage ) advised me that he is only obligated to follow IL Appeal Court decision ( based on fraud upon the Court ) and ruled in favor of Wells Fargo. \n\nSincerely XXXX XXXX","date_sent_to_company":"2019-04-09T12:06:27.000Z","issue":"Trouble during payment process","sub_product":"Other type of mortgage","zip_code":"606XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3206036","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2019-04-09T11:42:22.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I also request a full audit for Natl Mortgage Settlement since Wells Fargo bank continues to operate its dark money laundering mill based on sales of illegal US <em>securities</em> ( aka fake REMIC Trusts <em>XXXX</em> ) to shady investors on <em>foreign</em> exchange markets, with full support from Judiciary and law enforcement authorities."]},"sort":[8.737032,"3206036"]},{"_index":"complaint-public-v1","_id":"9986294","_score":8.564792,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This correspondence is in reference to XXXX, XXXX, Experian, XXXX and any and all credit reporting agencies. 15 U.S. Code 1681- Congressional findings and statement of purpose Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. CONSUMER REPORTING AGENCIES ASSUMED THE ROLE!!!!!!!!!! XXXX states that these agencies XXXX, XXXX, Experian and XXXX has assumed the role of credit reporting agencies they are not the BUREAU and they certainly are not CREDIT BUREAUS. XXXX states that there is only XXXX Bureau. The Term Bureau according to the law 15 usc 1692 ( A ) ( 1 ) means the Consumer Financial Protection Bureau. XXXX, XXXX, Experian and XXXX is a direct violation in direct violation of privacy act of 1974 and 5 usc 522a. XXXX, XXXX, Experian and XXXX 15 usc 1681 3 ( E ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with who he is acquainted or who may have knowledge concerning any such item of information such info shall not include specific factual information on consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information is obtained. According to 18 Us Code 8 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 XXXX, and canceled United States stamps. My question to you XXXX, XXXX, Experian and XXXX what are you REALLY REPORTING?! XXXX, XXXX, Experian and XXXX you've been violating my rights by providing my information to different creditors. You've violated my right by making me provide you with copies of my Identification and Social Security card to obtain credit reports when you didn't have the right to ask for such information in the first place. I have read over your XXXX, XXXX, prospectus forms and the likes with the Security Exchange you never disclosed that you buy and sell my data to other companies. Experian shares ( EXPN ) are listed on the XXXX XXXX XXXX. Experian has been selling my information on the XXXX XXXX XXXX without my explicit consent. Effectively making me an investor into Experian. You have been enriching your company with my non-public personal information. In Experian prospectus the following can be read on page XXXX Legislation and governmental regulation affect how our business is conducted and, in some cases, subject us to the possibility of government supervision and future lawsuits arising from our products and services. Globally, legislation and governmental regulation also influence our current and prospective customers activities, as well as their expectations and needs in relation to our products and services. Both our core businesses and our newer initiatives are affected globally by federal, regional, provincial, state and other jurisdictional regulations, including those in the following significant regulatory areas : Use of data by creditors and consumer reporting agencies. Examples in the U.S. include the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ( FACTA ) ; Laws and regulations that limit the use of credit scoring models such as state mortgage trigger laws, state inquiries laws, state insurance restrictions on the use of credit based insurance scores, and the Consumer Credit Directive in the XXXX XXXX ; Fair lending laws, such as the Truth In Lending Act ( TILA ) and Regulation Z, as amended by the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( Credit CARD Act of 2009 ), and the Equal Credit Opportunity Act ( ECOA ) and Regulation B ; Privacy and security laws and regulations that limit the use and disclosure of personally identifiable information or require security procedures, including but not limited to the provisions of the Financial Services Modernization Act of 1999, also known as the Gramm Leach Bliley Act ( GLBA ) ; the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) as amended by the Health Information Technology for Economic and Clinical Health Act ( HITECH ) ; the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 ( USA Patriot Act ) ; identity theft, file freezing, security breach notification and similar state privacy laws ; Extension of credit to consumers through the Electronic Fund Transfers Act and Regulation E, as well as nongovernmental XXXX  and XXXX electronic payment standards ; Regulations applicable to secondary market participants such as XXXX XXXX  and XXXX XXXX that could have an impact on our products ; Insurance laws and regulations applicable to our insurance clients and their use of our insurance products and services ; The application or extension of consumer protection laws, including, laws governing the use of the Internet and telemarketing, advertising, endorsements and testimonials and credit repair ; Laws and regulations applicable to operations in other countries, for example, the XXXXXXXX XXXX XXXX XXXX and the Foreign Corrupt Practices Act ; Sarbanes-Oxley Act ( SOX ) requirements to maintain and verify internal process controls, including controls for material event awareness and notification, The implementation of the Emergency Economic Stabilization Act of 2008 by federal regulators to manage the financial crisis in the United States ; Financial regulatory reform stemming from the XXXX XXXX XXXX Reform and Consumer Protection Act and the many regulations mandated by that Act, including regulations issued by, and the supervisory authority of, the Bureau of Consumer Financial Protection ( CFPB ) ; and Laws and regulations regarding export controls as they apply to XXXX products delivered in non-U.S. countries. Experian I hereby RESCIND REMOVE TERMINATE AND VOID any and all powers of attorney and authorities known and unknow that I may have granted to you. Whatever power you thought you have you no longer have it. In XXXX XXXX the following can be read We are a global data, analytics and technology company. We provide information solutions for businesses, governments and consumers, and we provide human resources business process automation and outsourcing services for employers. We have a large and diversified group of clients, including financial institutions, corporations, government agencies and individuals. Our services are based on comprehensive databases of consumer and business information derived from numerous sources including credit, financial assets, telecommunications and utility payments, employment, income, educational history, criminal justice data, healthcare professional licensure and sanctions, demographic and marketing data. We use advanced statistical techniques, machine learning and proprietary software tools to analyze available data to create customized insights, decision-making and process automation solutions and processing services for our clients. We are a leading provider of information and solutions used in payroll-related and human resource management business process services in the U.S. as well as e-commerce fraud and charge back protection services in North America . For consumers, we provide products and services to help people understand, manage and protect their personal information and make more informed financial decisions. Additionally, we also provide information, technology and services to support debt collections and recovery management. In particular, legislative activity in the privacy area may result in new laws that are applicable to us and that may hinder our business, for example, by restricting use or sharing of consumer data, including for marketing or advertising or limiting the use of, limiting our ability to provide certain consumer data to our customers, or otherwise regulating artificial intelligence and machine learning, including the use of algorithms and automated processing in ways that could materially affect our business, or which may lead to significant increases in the cost of compliance. XXXX stated in their XXXX In XXXX of XXXX for {$95.00} XXXX in cash we acquired consumer credit files and certain consumer contracts from XXXX Companies In an independent credit reporting agency that has been a system affiliate of ours for more than XXXX  years. The purchase data base includes customers in Ohio, Florida, West Virginia South Dakota, North Dakota and Indiana. In XXXX of XXXX, we acquired XXXX XXXX for {$130.00} XXXX in Cash. XXXX is a direct marketing company with an email database of more than XXXX XXXX permission- based addresses. XXXX provides integrated precision marketing tools for online and offline environment, enabling marketers to identify, target and build consumer relationships through e-mail marketing. XXXXXXXX XXXX products and services include Email lists- XXXX  sells email and provides fulfillment services to over XXXX customers. The email list includes physical addresses, demographics and purchasing power data on consumers who give their consent to receive marking information. Email append : XXXXXXXX XXXX email services combines its email address with a customers database to significantly reduce marketing case while increasing significantly reduce marketing cost while increasing results and tracking capabilities. List services allow markets to identify and market to active online household. The list services includes the XXXX XXXX XXXX. The list services includes the XXXX XXXX XXXX file which we believe to be the largest and most comprehensive recourse for interest households. XXXX, XXXX and XXXX I hereby rescind revoke remove terminate and void any and all powers of attorney and/or authorizations that I may have granted to you known and unknown. Whatever powers of attorney or authority you thought you had you NOT LONGER have it! 18 U.S. Code 1346 - Definition of scheme or artifice to defraud For the purposes of this chapter, the term scheme or artifice to defraud includes a scheme or artifice to deprive another of the intangible right of honest services.18 U.S. Code 1348 - Securities and commodities fraud Whoever knowingly executes, or attempts to execute, a scheme or artifice ( XXXX ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than XXXX  years, or both. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. \n( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Failure to adhere to my written instruction in the resolution window then I may file a form 211 and necessary XXXX forms. I will have a forensic audit ran on these accounts.","date_sent_to_company":"2024-08-29T03:53:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9986294","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-29T03:53:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["operations in other countries, for example, the XXXXXXXX <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> and the <em>Foreign</em> <em>Corrupt</em> <em>Practices</em> Act ; Sarbanes-Oxley Act ( SOX ) requirements to maintain and verify internal process controls, including controls for material event awareness and notification, The implementation of the Emergency Economic Stabilization Act of 2008 by federal regulators to manage the financial crisis in the United States ; Financial regulatory reform stemming from the <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Reform and Consumer Protection"]},"sort":[8.564792,"9986294"]},{"_index":"complaint-public-v1","_id":"9986296","_score":8.545341,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This correspondence is in reference to XXXX, Equifax, XXXX, XXXX and any and all credit reporting agencies. 15 U.S. Code 1681- Congressional findings and statement of purpose Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. CONSUMER REPORTING AGENCIES ASSUMED THE ROLE!!!!!!!!!! XXXX states that these agencies XXXX, Equifax, XXXX and XXXX has assumed the role of credit reporting agencies they are not the BUREAU and they certainly are not CREDIT BUREAUS. XXXX states that there is only XXXX Bureau. The Term Bureau according to the law 15 usc 1692 ( A ) ( 1 ) means the Consumer Financial Protection Bureau. XXXX, Equifax, XXXX and XXXX is a direct violation in direct violation of privacy act of 1974 and 5 usc 522a. XXXX, Equifax, XXXX and XXXX 15 usc 1681 3 ( E ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with who he is acquainted or who may have knowledge concerning any such item of information such info shall not include specific factual information on consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information is obtained. According to 18 Us Code 8 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 XXXX, and canceled United States stamps. My question to you XXXX, Equifax, XXXX and XXXX what are you REALLY REPORTING?! XXXX, Equifax, XXXX and XXXX you've been violating my rights by providing my information to different creditors. You've violated my right by making me provide you with copies of my Identification and Social Security card to obtain credit reports when you didn't have the right to ask for such information in the first place. I have read over your XXXX, XXXX, prospectus forms and the likes with the Security Exchange you never disclosed that you buy and sell my data to other companies. XXXX  shares ( XXXX ) are listed on the XXXX XXXX XXXX. XXXX has been selling my information on the XXXX XXXX XXXX without my explicit consent. Effectively making me an investor into XXXX. You have been enriching your company with my non-public personal information. In XXXX  prospectus the following can be read on page XXXX XXXX and governmental regulation affect how our business is conducted and, in some cases, subject us to the possibility of government supervision and future lawsuits arising from our products and services. Globally, legislation and governmental regulation also influence our current and prospective customers activities, as well as their expectations and needs in relation to our products and services. Both our core businesses and our newer initiatives are affected globally by federal, regional, provincial, state and other jurisdictional regulations, including those in the following significant regulatory areas : Use of data by creditors and consumer reporting agencies. Examples in the U.S. include the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ( FACTA ) ; Laws and regulations that limit the use of credit scoring models such as state mortgage trigger laws, state inquiries laws, state insurance restrictions on the use of credit based insurance scores, and the Consumer Credit Directive in the XXXX XXXX ; Fair lending laws, such as the Truth In Lending Act ( TILA ) and Regulation Z, as amended by the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( Credit CARD Act of 2009 ), and the Equal Credit Opportunity Act ( ECOA ) and Regulation B ; Privacy and security laws and regulations that limit the use and disclosure of personally identifiable information or require security procedures, including but not limited to the provisions of the Financial Services Modernization Act of 1999, also known as the Gramm Leach Bliley Act ( GLBA ) ; the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) as amended by the Health Information Technology for Economic and Clinical Health Act ( HITECH ) ; the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 ( USA Patriot Act ) ; identity theft, file freezing, security breach notification and similar state privacy laws ; Extension of credit to consumers through the Electronic Fund Transfers Act and Regulation E, as well as nongovernmental XXXX  and XXXX electronic payment standards ; Regulations applicable to secondary market participants such as XXXX XXXX and XXXX XXXX that could have an impact on our products ; Insurance laws and regulations applicable to our insurance clients and their use of our insurance products and services ; The application or extension of consumer protection laws, including, laws governing the use of the Internet and telemarketing, advertising, endorsements and testimonials and credit repair ; Laws and regulations applicable to operations in other countries, for example, the XXXX Unions Privacy Directive and the Foreign Corrupt Practices Act ; Sarbanes-Oxley Act ( SOX ) requirements to maintain and verify internal process controls, including controls for material event awareness and notification, The implementation of the Emergency Economic Stabilization Act of 2008 by federal regulators to manage the financial crisis in the United States ; Financial regulatory reform stemming from the Dodd-Frank Wall Street Reform and Consumer Protection Act and the many regulations mandated by that Act, including regulations issued by, and the supervisory authority of, the Bureau of Consumer Financial Protection ( CFPB ) ; and Laws and regulations regarding export controls as they apply to XXXX products delivered in non-U.S. countries. XXXX I hereby RESCIND REMOVE TERMINATE AND VOID any and all powers of attorney and authorities known and unknow that I may have granted to you. Whatever power you thought you have you no longer have it. In Equifax XXXX the following can be read We are a global data, analytics and technology company. We provide information solutions for businesses, governments and consumers, and we provide human resources business process automation and outsourcing services for employers. We have a large and diversified group of clients, including financial institutions, corporations, government agencies and individuals. Our services are based on comprehensive databases of consumer and business information derived from numerous sources including credit, financial assets, telecommunications and utility payments, employment, income, educational history, criminal justice data, healthcare professional licensure and sanctions, demographic and marketing data. We use advanced statistical techniques, machine learning and proprietary software tools to analyze available data to create customized insights, decision-making and process automation solutions and processing services for our clients. We are a leading provider of information and solutions used in payroll-related and human resource management business process services in the U.S. as well as e-commerce fraud and charge back protection services in North America . For consumers, we provide products and services to help people understand, manage and protect their personal information and make more informed financial decisions. Additionally, we also provide information, technology and services to support debt collections and recovery management. In particular, legislative activity in the privacy area may result in new laws that are applicable to us and that may hinder our business, for example, by restricting use or sharing of consumer data, including for marketing or advertising or limiting the use of, limiting our ability to provide certain consumer data to our customers, or otherwise regulating artificial intelligence and machine learning, including the use of algorithms and automated processing in ways that could materially affect our business, or which may lead to significant increases in the cost of compliance. Equifax stated in their XXXX  In XXXX  of XXXX for {$95.00} XXXX in cash we acquired consumer credit files and certain consumer contracts from XXXX Companies In an independent credit reporting agency that has been a system affiliate of ours for more than XXXX  years. The purchase data base includes customers in Ohio, Florida, West Virginia South Dakota, North Dakota and Indiana. In XXXX of XXXX, we acquired XXXX XXXX for {$130.00} XXXX in Cash. XXXX is a direct marketing company with an email database of more than XXXX XXXX permission- based addresses. XXXX provides integrated precision marketing tools for online and offline environment, enabling marketers to identify, target and build consumer relationships through e-mail marketing. XXXXXXXX XXXX products and services include Email lists- XXXX  sells email and provides fulfillment services to over XXXX customers. The email list includes physical addresses, demographics and purchasing power data on consumers who give their consent to receive marking information. Email append : XXXXXXXX XXXX email services combines its email address with a customers database to significantly reduce marketing case while increasing significantly reduce marketing cost while increasing results and tracking capabilities. List services allow markets to identify and market to active online household. The list services includes the XXXX XXXX XXXX. The list services includes the XXXX XXXX XXXX file which we believe to be the largest and most comprehensive recourse for interest households. Equifax, XXXX and XXXX I hereby rescind revoke remove terminate and void any and all powers of attorney and/or authorizations that I may have granted to you known and unknown. Whatever powers of attorney or authority you thought you had you NOT LONGER have it! 18 U.S. Code 1346 - Definition of scheme or artifice to defraud For the purposes of this chapter, the term scheme or artifice to defraud includes a scheme or artifice to deprive another of the intangible right of honest services.18 U.S. Code 1348 - Securities and commodities fraud Whoever knowingly executes, or attempts to execute, a scheme or artifice ( XXXX ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than XXXX  years, or both. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates. Failure to adhere to my written instruction in the resolution window then I may file a form 211 and necessary XXXX forms. I will have a forensic audit ran on these accounts.","date_sent_to_company":"2024-08-29T03:53:21.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9986296","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-29T03:53:18.000Z","state":"CA","company_public_response":null,"sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["in other countries, for example, the <em>XXXX</em> Unions Privacy Directive and the <em>Foreign</em> <em>Corrupt</em> <em>Practices</em> Act ; Sarbanes-Oxley Act ( SOX ) requirements to maintain and verify internal process controls, including controls for material event awareness and notification, The implementation of the Emergency Economic Stabilization Act of 2008 by federal regulators to manage the financial crisis in the United States ; Financial regulatory reform stemming from the Dodd-Frank Wall Street Reform and Consumer Protection"]},"sort":[8.545341,"9986296"]},{"_index":"complaint-public-v1","_id":"9986203","_score":8.449908,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This correspondence is in reference to XXXX, XXXX, XXXX, Innovis and any and all credit reporting agencies. 15 U.S. Code 1681- Congressional findings and statement of purpose Accuracy and fairness of credit reporting The XXXX makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. CONSUMER REPORTING AGENCIES ASSUMED THE ROLE!!!!!!!!!! XXXX states that these agencies XXXX, XXXX, XXXX and Innovis has assumed the role of credit reporting agencies they are not the BUREAU and they certainly are not CREDIT BUREAUS. XXXX states that there is only one Bureau. The Term Bureau according to the law 15 usc 1692 ( A ) ( 1 ) means the Consumer Financial Protection Bureau. XXXX, XXXX, XXXX and Innovis is a direct violation in direct violation of privacy act of 1974 and 5 usc 522a. XXXX, XXXX, XXXX and Innovis 15 usc 1681 3 ( E ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with who he is acquainted or who may have knowledge concerning any such item of information such info shall not include specific factual information on consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information is obtained. According to 18 Us Code 8 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 XXXX, and canceled United States stamps. My question to you XXXX, XXXX, XXXX and Innovis what are you REALLY REPORTING?! XXXX, XXXX, XXXX and Innovis you've been violating my rights by providing my information to different creditors. You've violated my right by making me provide you with copies of my Identification and Social Security card to obtain credit reports when you didn't have the right to ask for such information in the first place. I have read over your XXXX, XXXX, prospectus forms and the likes with the XXXX XXXX you never disclosed that you buy and sell my data to other companies. XXXX  shares ( XXXX ) are listed on the XXXX XXXX XXXX. XXXX has been selling my information on the XXXX XXXX XXXX without my explicit consent. Effectively making me an investor into XXXX. You have been enriching your company with my non-public personal information. In Experian prospectus the following can be read on page 24 Legislation and governmental regulation affect how our business is conducted and, in some cases, subject us to the possibility of government supervision and future lawsuits arising from our products and services. Globally, legislation and governmental regulation also influence our current and prospective customers activities, as well as their expectations and needs in relation to our products and services. Both our core businesses and our newer initiatives are affected globally by federal, regional, provincial, state and other jurisdictional regulations, including those in the following significant regulatory areas : Use of data by creditors and consumer reporting agencies. Examples in the U.S. include the Fair Credit Reporting Act ( FCRA ), as amended by the Fair and Accurate Credit Transactions Act ( FACTA ) ; Laws and regulations that limit the use of credit scoring models such as state mortgage trigger laws, state inquiries laws, state insurance restrictions on the use of credit based insurance scores, and the Consumer Credit Directive in the European Union ; Fair lending laws, such as the Truth In Lending Act ( TILA ) and Regulation Z, as amended by the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( Credit CARD Act of 2009 ), and the Equal Credit Opportunity Act ( ECOA ) and Regulation B ; Privacy and security laws and regulations that limit the use and disclosure of personally identifiable information or require security procedures, including but not limited to the provisions of the Financial Services Modernization Act of 1999, also known as the Gramm Leach Bliley Act ( GLBA ) ; the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) as amended by the Health Information Technology for Economic and Clinical Health Act ( HITECH ) ; the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 ( USA Patriot Act ) ; identity theft, file freezing, security breach notification and similar state privacy laws ; Extension of credit to consumers through the Electronic Fund Transfers Act and Regulation E, as well as nongovernmental XXXX  and XXXX electronic payment standards ; Regulations applicable to secondary market participants such as XXXX XXXX and XXXX XXXX that could have an impact on our products ; Insurance laws and regulations applicable to our insurance clients and their use of our insurance products and services ; The application or extension of consumer protection laws, including, laws governing the use of the Internet and telemarketing, advertising, endorsements and testimonials and credit repair ; Laws and regulations applicable to operations in other countries, for example, the European Unions Privacy Directive and the Foreign Corrupt Practices Act ; Sarbanes-Oxley Act ( SOX ) requirements to maintain and verify internal process controls, including controls for material event awareness and notification, The implementation of the Emergency Economic Stabilization Act of 2008 by federal regulators to manage the financial crisis in the United States ; Financial regulatory reform stemming from the Dodd-Frank Wall Street Reform and Consumer Protection Act and the many regulations mandated by that Act, including regulations issued by, and the supervisory authority of, the Bureau of Consumer Financial Protection ( CFPB ) ; and Laws and regulations regarding export controls as they apply to XXXX products delivered in non-U.S. countries. XXXX I hereby RESCIND REMOVE TERMINATE AND VOID any and all powers of attorney and authorities known and unknow that I may have granted to you. Whatever power you thought you have you no longer have it. In XXXX XXXX the following can be read We are a global data, analytics and technology company. We provide information solutions for businesses, governments and consumers, and we provide human resources business process automation and outsourcing services for employers. We have a large and diversified group of clients, including financial institutions, corporations, government agencies and individuals. Our services are based on comprehensive databases of consumer and business information derived from numerous sources including credit, financial assets, telecommunications and utility payments, employment, income, educational history, criminal justice data, healthcare professional licensure and sanctions, demographic and marketing data. We use advanced statistical techniques, machine learning and proprietary software tools to analyze available data to create customized insights, decision-making and process automation solutions and processing services for our clients. We are a leading provider of information and solutions used in payroll-related and human resource management business process services in the U.S. as well as e-commerce fraud and charge back protection services in North America . For consumers, we provide products and services to help people understand, manage and protect their personal information and make more informed financial decisions. Additionally, we also provide information, technology and services to support debt collections and recovery management. In particular, legislative activity in the privacy area may result in new laws that are applicable to us and that may hinder our business, for example, by restricting use or sharing of consumer data, including for marketing or advertising or limiting the use of, limiting our ability to provide certain consumer data to our customers, or otherwise regulating artificial intelligence and machine learning, including the use of algorithms and automated processing in ways that could materially affect our business, or which may lead to significant increases in the cost of compliance. XXXX stated in their XXXX In XXXX of XXXX for {$95.00} XXXX in cash we acquired consumer credit files and certain consumer contracts from CBC Companies In an independent credit reporting agency that has been a system affiliate of ours for more than 14  years. The purchase data base includes customers in Ohio, Florida, West Virginia South Dakota, North Dakota and Indiana. In XXXX of XXXX, we acquired XXXX XXXX for {$130.00} XXXX in Cash. XXXX is a direct marketing company with an email database of more than XXXX XXXX permission- based addresses. XXXX provides integrated precision marketing tools for online and offline environment, enabling marketers to identify, target and build consumer relationships through e-mail marketing. XXXXXXXX XXXX products and services include Email lists- XXXX  sells email and provides fulfillment services to over XXXX customers. The email list includes physical addresses, demographics and purchasing power data on consumers who give their consent to receive marking information. Email append : XXXXXXXX XXXX email services combines its email address with a customers database to significantly reduce marketing case while increasing significantly reduce marketing cost while increasing results and tracking capabilities. List services allow markets to identify and market to active online household. The list services includes the XXXX XXXX XXXX. The list services includes the XXXX XXXX XXXX file which we believe to be the largest and most comprehensive recourse for interest households. XXXX, XXXX and Innovis I hereby rescind revoke remove terminate and void any and all powers of attorney and/or authorizations that I may have granted to you known and unknown. Whatever powers of attorney or authority you thought you had you NOT LONGER have it! 18 U.S. Code 1346 - Definition of scheme or artifice to defraud For the purposes of this chapter, the term scheme or artifice to defraud includes a scheme or artifice to deprive another of the intangible right of honest services.18 U.S. Code 1348 - Securities and commodities fraud Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than 25 years, or both. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Failure to adhere to my written instruction in the resolution window then I may file a form 211 and necessary XXXX forms. I will have a forensic audit ran on these accounts.","date_sent_to_company":"2024-08-29T03:59:24.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"9986203","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2024-08-29T03:55:01.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["applicable to our insurance clients and their use of our insurance products and services ; The application or extension of consumer protection laws, including, laws governing the use of the Internet and telemarketing, advertising, endorsements and testimonials and credit repair ; Laws and regulations applicable to operations in other countries, for example, the European Unions Privacy Directive and the <em>Foreign</em> <em>Corrupt</em> <em>Practices</em> Act ; Sarbanes-Oxley Act ( SOX ) requirements to maintain and verify"]},"sort":[8.449908,"9986203"]},{"_index":"complaint-public-v1","_id":"7577076","_score":7.7686477,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) Re : Formal Complaint Against TransUnion I. Introduction : I am submitting this formal complaint against TransUnion, a major credit reporting agency, for multiple violations of the Fair Credit Reporting Act ( FCRA ) and other federal laws. This complaint is further supported by the recent data breach, which serves as a testament to TransUnion 's negligence and disregard for consumer rights. \nXXXX. Background : TransUnion has consistently demonstrated negligence in their duty to provide accurate credit reporting. Their recent data breach further underscores their lack of commitment to safeguarding consumer data. Despite this breach, they failed to notify affected consumers promptly, exacerbating the potential harm. \n\nI. XXXX XXXX and Implications on XXXX XXXX XXXX 's recent data breach is a glaring testament to their negligence in safeguarding consumer data. This breach not only exposes sensitive consumer information but also casts significant doubt on their ability to verify and validate information accurately. Given this breach, how can consumers, like myself, trust TransUnion to maintain the integrity of our data? \n* FCRA XXXX ( c ) ( XXXX ) ( B ) : This section mandates agencies to disclose all information in the consumer 's file at the time of the request. Given the breach, it's unclear if TransUnion can provide accurate data, especially when they have repeatedly failed to verify the accuracy of my accounts. \n* XXXX XXXX : This act requires financial institutions to explain their information-sharing practices to their customers and to safeguard sensitive data. The breach indicates a clear violation of this act, further eroding trust in TransUnion 's practices. \nXXXX. Specific Account Discrepancies and Violations Highlighting Address Discrepancy\nA recurring theme in my disputes with TransUnion is XXXX address discrepancy WHICH THEY REFUSE TO UPDATE. My current XXXX address is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. None of the creditors in question have this address on file, making it impossible for them to have verified any information related to these accounts. This is a clear violation of the FCRA 's mandate for accurate reporting. \n* XXXX XXXX XXXX - A collection of {$380.00} was previously removed from my credit report. However, TransUnion has allowed it to be reported again post-dispute, violating FCRA XXXX ( a ) ( XXXX ). How can this account be verified when the creditor doesn't have my correct address TO ALLOW ME TO BE NOTIFIED OF THIS COLLECTION? NO ADVERSE ACTION WAS SENT TO ME VIOLATING MY RIGHTS! \n* XXXX XXXX XXXX - This account, reporting a balance of {$23000.00}, was opened fraudulently on XXXX. They do not have my current address on file, making their claim of verification baseless. This is a direct violation of FCRA XXXX ( a ) ( XXXX ) ( A ), which mandates accurate reporting of information. NO ADVERSE ACTION WAS SENT TO ME VIOLATING MY RIGHTS! \n* XXXX XXXX XXXX Bank - Similarly, this account is fraudulent and can not be verified. TransUnion 's claim of verification is false, especially given the address discrepancy. This again violates FCRA XXXX ( a ) ( XXXX ) ( A ). NO ADVERSE ACTION WAS SENT TO ME VIOLATING MY RIGHTS! \n* XXXX XXXX - This account is illegally reporting with an open CFPB complaint - XXXX. TransUnion reported a repossession despite no late payments. The address discrepancy further emphasizes their inability to verify this information, violating FCRA XXXX ( a ) ( XXXX ) ( C ). NO ADVERSE ACTION WAS SENT TO ME VIOLATING MY RIGHTS! \n\nXXXX. Absence of Adverse Action Notices and Truth in Lending Act XXXX significant concern is the absence of adverse action notices for all the disputed accounts. The creditors do not have my correct address, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, which means I never received any adverse action notices. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) XXXX ( a ), which mandates that users be notified in the event of an adverse action based on information from a credit report. \nNO PROOF OF A PROCESS SERVER FROM THE XXXX WHICH IS REQUIRED BY LAW TO COLLECT DEBT!!!!!!!!!!!!!!!!!!! AND IN ADDITION TO THAT NONE OF THESE CREDITORS CAN PROVIDE A RECEIPT OF DELIVERY OF FIRST CLASS MAIL WITH OR WITHOUT SIGNATURE PROVING THAT THEY ACTUALLY SENT THESE ADVERSE ACTIONS TO ME!!!!!!!!! \n\n\nFurthermore, TransUnion can not shift the responsibility to me for not updating the creditors. The Truth in Lending Act ( XXXX ) ensures that consumers are provided with clear and accurate terms of credit. If creditors do not have the correct address, it indicates a failure in their due diligence, which is protected under XXXX. \n\nIV. XXXX XXXX XXXX and Reporting\nIt has come to my attention that TransUnion XXXX have received a financial charge from the creditors to report this information on their platform. this was done without my knowledge or without providing me an adverse action notice, it's a clear violation. TransUnion accepted financial incentives to report potentially inaccurate or unverified information, it further undermines their credibility and could be deemed illegal. \n\nXXXX XXXX. XXXX ( a ) ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \n( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. \n\n\" The term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. '' - XXXX U.S.C. XXXX ( b ) This definition clearly encompasses a wide range of entities, including corporations like TransUnion. Therefore, TransUnion, being a corporation, falls under the definition of a \" person '' as per the FCRA and is subject to its provisions. \n\n\nTransUnion, despite its status as a \" global company, '' is bound by XXXX federal laws, including the Fair Credit Reporting Act ( FCRA ), when operating within the United States and dealing with XXXX consumers. The FCRA was enacted to protect the rights of XXXX consumers regarding the collection, dissemination, and use of their credit information. As XXXX of the major credit reporting agencies in the XXXX, TransUnion plays a significant role in this process and must adhere to the FCRA to ensure the rights and privacy of XXXX consumers are upheld. Numerous global or multinational corporations have faced legal actions in the XXXX for not complying with XXXX laws. Being a \" global company '' does not provide immunity from the legal and regulatory requirements of the countries in which a company operates. For a XXXX XXXX XXXX, trust is paramount. Suggesting that they are not bound by XXXX laws because of their global status can erode trust and harm their reputation among XXXX consumers and regulatory bodies. In summary, TransUnion 's global status does not exempt them from the obligations and responsibilities set forth by the FCRA or any other XXXX federal law. They are obligated to ensure accurate, fair, and lawful handling of credit information for XXXX consumers. \n\nJurisdiction of XXXX : Any company, regardless of its global presence, must comply with the laws of the countries in which it operates. TransUnion operates within the United States and deals with XXXX consumers, it is bound by XXXX federal laws, including the FCRA. \n\nXXXX of XXXX : The FCRA was enacted to protect the rights of XXXX consumers regarding the collection, dissemination, and use of their credit information. TransUnion, as XXXX of the major credit reporting agencies in the XXXX, plays a significant role in this process. Thus, it is imperative for them to adhere to the FCRA to ensure the rights and privacy of XXXX consumers are upheld. \n\nLegal Precedents : There have been numerous instances where global or multinational corporations have faced legal actions in the XXXX for not complying with XXXX laws. Being a \" global company '' does not provide immunity from the legal and regulatory requirements of the countries in which a company operates. \n\n\nCriminal Activities Committed by TransUnion XXXX in Safeguarding Consumer Data : TransUnion 's data breach exposed sensitive consumer information. \nViolation : XXXX XXXX - This act requires financial institutions to explain their information-sharing practices to their customers and to safeguard sensitive data. \nFailure to Notify Affected Consumers : TransUnion did not promptly notify consumers about the data breach. \nViolation : Fair Credit Reporting Act ( FCRA ) XXXX ( c ) ( XXXX ) ( B ) - This section mandates agencies to disclose all information in the consumer 's file at the time of the request. \nXXXX of XXXX Incentives for XXXX : TransUnion accepted financial charges from creditors to report certain information on their platform without proper verification. \nViolation : XXXX XXXX. XXXX ( a ) ( XXXX ) Prohibition : ( A ) Reporting information with actual knowledge of errors. \n( B ) Reporting information after notice and confirmation of errors. \nInaccurate XXXX of XXXX XXXX : TransUnion violated the FCRA by inaccurately reporting consumer accounts. \nViolation : FCRA XXXX ( a ) ( XXXX ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \nBank XXXX : TransUnion knowingly engaged in deceptive practices to defraud a bank or another financial institution. \nViolation : XXXX XXXX. XXXX - Whoever knowingly executes a scheme to defraud a financial institution. \nXXXX XXXX : TransUnion used interstate wire communications to defraud consumers. \nViolation : XXXX XXXX. XXXX - Whoever, having devised a scheme to defraud, transmits by means of wire communication in interstate or foreign commerce, any writings for the purpose of executing such scheme. \nXXXX XXXX Violations : TransUnion engaged in a pattern of racketeering activity, such as accepting financial incentives for reporting, they could be in violation of the XXXX XXXX and Corrupt Organizations ( XXXX ) XXXX. \nViolation : XXXX XXXX. XXXX - It is unlawful for anyone employed by or associated with any enterprise engaged in, or the activities of which affect, interstate or foreign commerce, to conduct or participate in the conduct of such enterprise 's affairs through a pattern of racketeering activity. \n\n\nTransUnion 's inability or unwillingness to verify or admit to a data breach is a significant concern, especially given the stringent requirements of federal laws that mandate the protection of consumer data. \n\nLack of XXXX Measures : TransUnion 's potential data breach suggests a lack of adequate security measures to protect sensitive consumer information. Such negligence not only exposes consumers to potential harm but also undermines the trust that consumers place in credit reporting agencies. \nViolation of the XXXX XXXX ( XXXX ) : The GLBA requires financial institutions, which includes credit reporting agencies like TransUnion, to ensure XXXX security and confidentiality of customer records and information. A data breach, especially XXXX that is not promptly addressed, is a clear violation of the XXXX 's Safeguards XXXX. \nFCRA Implications : The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies must use reasonable procedures to ensure the maximum possible accuracy of the information they collect and disseminate. A data breach can compromise the integrity of this data, leading to potential inaccuracies in credit reports. This not only violates the FCRA but also can have severe consequences for consumers, affecting their creditworthiness and financial opportunities. \nErosion of XXXX : Credit reporting agencies play a crucial role in the financial ecosystem. Consumers, lenders, and various other entities rely on them for accurate credit information. A data breach, coupled with an inability or unwillingness to verify or admit to it, erodes this trust. It suggests that the agency might be more concerned about its reputation than about the consumers it serves. \nXXXX XXXX for XXXX XXXX : Beyond specific laws like the XXXX and FCRA, there's a broader federal mandate for companies to protect consumer data. Data breaches can lead to identity theft, financial fraud, and other forms of consumer harm. By failing to prevent a breach or address it adequately, TransUnion is not upholding its responsibility to protect consumers. \nIn summary, TransUnion 's actions, or lack thereof, in the face of a potential data breach go against the very essence of federal laws designed to protect consumers. Their inability to verify or admit to the breach suggests a deeper systemic issue, potentially indicating a disregard for the very laws and standards that govern their operations. \n\n\nXXXX and XXXX : For a XXXX XXXX XXXX, trust is paramount. Suggesting that they are not bound by XXXX laws because of their global status can erode trust and harm their reputation among XXXX consumers and regulatory bodies WHICH CONTRAVENES THE FCRA XXXX XXXX TransUnion should be aware that all of these concerns, discrepancies, and violations of the Fair Credit Reporting Act ( FCRA ) and other XXXX federal laws are meticulously documented and on record. If these issues are not addressed and rectified immediately, the intention is to escalate this matter to the XXXX XXXX XXXX for the XXXX XXXX XXXX Texas, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, by XXXX. This escalation will be for both civil and criminal action, seeking remedies for the harm caused.","date_sent_to_company":"2023-09-20T09:17:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"78232","tags":null,"has_narrative":true,"complaint_id":"7577076","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-20T08:50:01.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> Violations : TransUnion engaged in a pattern of racketeering activity, such as accepting financial incentives for reporting, they could be in violation of the <em>XXXX</em> <em>XXXX</em> and <em>Corrupt</em> Organizations ( <em>XXXX</em> ) <em>XXXX</em>. \nViolation : <em>XXXX</em> <em>XXXX</em>."]},"sort":[7.7686477,"7577076"]},{"_index":"complaint-public-v1","_id":"3362361","_score":7.4781256,"_source":{"product":"Debt collection","complaint_what_happened":"XX/XX/2018, Delivery Via CFPB, Board of Directors, TD Bank XXXX, XXXX XXXX XXXX XXXX, Maine XXXX - Dear Members of the Board, Please accept this as a Formal Notice of the following allegations and facts as they are known to me. The Sarbanes-Oxley Act ( SOX ) was designed to restore investor confidence in capital markets and help eliminate financial statement fraud in publicly traded companies, while at the same time significantly increasing the penalties for corporate accounting fraud. I have developed material fact, giving rise whereas it is alleged, TD Bank is currently benefiting from false liens followed by the entry of false and fictitious data into a state-maintained a database to falsely account for money. - TD Bank / Duty to Investigate - Several factors go into a Board of Director 's decision as to whether a fraud investigation should be performed. One of the most deciding factors is where applicable federal law would require an inquiry into the fraud or disclosure of known fraud to a government agency. Should TD Bank find the law imposes such a duty of the Board, its Directors, and Officers, and the company fails to comply, severe penalties can result. Several laws impose disclosure requirements on businesses, including 1 ) Monitoring and public reporting statutes, 2 ) The Sarbanes-Oakley Act, 3 ) False statement statutes, 4 ) Civil law duties to a company and its shareholders, 5 ) Accountants and internal auditors duties to investigate, 6 ) External auditors duty to investigate - The Securities and Exchange Commission - The SEC takes the position that senior management and corporate counsel who fail to investigate alleged misconduct and fail to establish appropriate procedures for limiting the prohibited conduct may be held liable for violation the Foreign Corrupt Practices Act ( FCPA ). Similarly, directors and others specified in reporting statute are responsible for ensuring the accordance of required corporate public filings, such as prospectuses, proxy statements, and annual reports. The SEC has held directors liable for reporting violations may exist not only when responsible individuals actually know of misconduct, but also where they know of facts that indicate possible wrongdoing. The SEC has stated that it will not tolerate benign indifference to employee misconduct. Thus an internal investigation into XXXX XXXX XXXX as Trustee and or Custodian, counterparties of TD Bank seems appropriate and necessary under the well-documented circumstances to ensure that public statements and reports are accurate and or amended and, where required, to establish adequate procedures to prevent and limit the illegal conduct. The failure to investigate can lead a company to include inaccurate or misleading facts in public filings, for which the company and its directors and other senior management may be held liable even absent fraudulent intent or actual knowledge of the falsehoods. That having been stated, please consider yourself, as a member of the TD Bank, Board of Directors, hereby Noticed of Document Custody Errors due to the failure of TD Bank, its trustee ( s ), predecessor in interest, successor in interest, parents, affiliates,  subsidiarys, agents, employees, officers, directors, shareholders, and attorneys relating to the ongoing loss and harm, from certain obligations, debts, known to TD Bank, due to the failure to transfer accurately, under 12 CFR 1024.35. This failure has resulted in the assignment of False Liens and Clouded Title against 33 unknowing property owners resulting in Unmarketable Title to approximately {>= $1,000,000} of adjoining real property on XXXX XXXX. TD Bank, as Servicer has the duty with respect to document custody to monitor and oversee lien assignments, including the recording of assignments, which include document exceptions. TD Bank failed to oversee the assignment of False Liens against multiple properties located within the XXXX XXXX subdivision further described and recorded in Map Book 9, Page 27 of the XXXX XXXX County Register of Deeds. One such property is my home, XXXX XXXX XXXX, XXXX XXXX, NORTH CAROLINA XXXX. My property was wrongfully encumbered due to, XXXX XXXX XXXX, Trustee allegedly conspiring with one or more third parties by Double-Pledging multiple unrelated contracts against my home and my neighbor 's homes. The underlying deed was returned to XXXX XXXX XXXX, and marked Paid in Full and Satisfied, recorded in Book 2439, Page 0236 at XXXX XXXX County Register of Deeds. This deed was further encumbered by and through the attachment of Seven un-constitutional hidden C-PACE liens. Upon information and belief, material issues exist with respect to the underlying contract, as most significant the custodian lacks possession. TD Bank having again been made formally aware of these continuing and ongoing errors under 12 CFR 1024.35. It is the understanding of the undersigned, XXXX XXXX XXXX trustee is responsible for enforcing the representation and warranties that the seller/depositor gave. As such, XXXX XXXX XXXX manufactured a \" SELLER '' affidavit titled Lost Note Affidavit wherein Mr. XXXX XXXX for Parcel Identifier No. XXXX, yet, Mr. XXXX XXXX lacked a valid interest in this deed, therefor Mr. XXXX XXXX could only sell what he had, which was nothing. XXXX XXXX XXXX remains in physical possession of this unencumbered deed recorded upon Book 5061, Page 653 upon the XXXX XXXX County Register of Deeds. Neither XXXX XXXX XXXX or XXXX XXXX XXXX have provided any representations or warranties to TD Bank or any other party with respect to these deeds. These deeds have not been sold by the fee simple owner nor has any interest been, granted to a trustee, or a third party for hypothecation or rehypothecate purposes. Here it appears TD Bank by and through other parties participated in a scheme of double pledging assets they did not own, and now are unable to deliver the treasury, causing a daisy chain of cumulative repo-fails. As has been explained to me, a repo fail occurs when one party steals an asset it does not own, therefor the thief is unable to return the treasury to the owner. To remove any ambiguity, at no time did XXXX XXXX XXXX, apply for, borrow or become obligated for loans in the sum ( s ) of {$560000.00} and {>= $1,000,000} respectfully for the benefit of TD Bank or a third party. XXXX XXXX XXXX / XXXX XXXX XXXX reserve all rights in common law, statutory law, both Federal and State and in equity resulting from ongoing ensuing losses by the failure of TD Bank and its Trustee, XXXX XXXX XXXX to properly oversee monitor and investigate these facts as they relate to the Foreclosure Action under a DOT from XXXX XXXX XXXX, including but not limited to any claims arising under the Fair Credit Reporting Act, the Fair Debt Collections Practices Act, the Truth In Lending Act, and the Real Estate Settlement Procedures Act. Please take further notice, a self-described high bidder wrongfully took and carried away the personal property of the undersigned and his XXXX year old son without the consent of the Note Holder, ( The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the Note Holder. ) This as the note is not lost, it was correctly returned to the undersigned borrower marked paid in full and satisfied. Whereas, good and credible evidence exists in support of the above, respectful demand is hereby made upon, the Board of Directors of TD Bank, given the large sums involved, to facilitate an emergency board meeting allowing Board of Directors to  mitigate ongoing losses believed to cloud property titles, pledged with certain government entities, deeming each deed un-marketable and collectively having a value believed to exceed an {>= $1,000,000}, therefore notice is hereby provided to the Board of Directors to reserve accordingly. In the interim, a request made upon TD Bank to prioritize the physical return of the personal property to XXXX XXXX XXXX that was wrongfully taken and carried away without the consent of XXXX XXXX XXXX. I would invite the Board of TD Bank to contemplate the outcome of destroying the property rights and records of homeowners who never defaulted on the mortgage and are now forced to litigate boundary disputes and property rights with adjoining neighbors, along XXXX XXXX. Regards, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, NC XXXX.","date_sent_to_company":"2019-09-03T23:17:58.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"284XX","tags":null,"has_narrative":true,"complaint_id":"3362361","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2019-09-03T23:11:42.000Z","state":"NC","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["establish appropriate procedures for limiting the prohibited conduct may be held liable for violation the <em>Foreign</em> <em>Corrupt</em> <em>Practices</em> Act ( FCPA 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