{"took":196,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":155,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2784186","_score":22.399105,"_source":{"product":"Debt collection","complaint_what_happened":"Collections agency on behalf of the original company continued to make harassing calls regarding a debt after being informed that the debt was discharged with Chapter XXXX Bankruptcy. Representative threatened to take additional legal action and notated the account as refusal to pay.","date_sent_to_company":"2018-01-16T22:07:49.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"60446","tags":null,"has_narrative":true,"complaint_id":"2784186","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"American First Finance, Inc.","date_received":"2018-01-16T22:07:47.000Z","state":"IL","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["Collections agency on behalf of the original company continued to make harassing calls regarding a debt after being informed that the debt was discharged with Chapter XXXX <em>Bankruptcy</em>. Representative <em>threatened</em> to <em>take</em> additional <em>legal</em> <em>action</em> and notated the account as refusal to pay."],"sub_issue":["Debt was already discharged in <em>bankruptcy</em> and is no longer owed"]},"sort":[22.399105,"2784186"]},{"_index":"complaint-public-v1","_id":"11960729","_score":20.313536,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the account ( XXXX ) listed on my credit report under XXXX XXXX XXXX. This account was included in my XXXX  XXXX Bankruptcy, which was filed on XX/XX/year> and discharged on ( XX/XX/year> The bankruptcy case number is ( XXXX As per Section 524 ( a ) ( 2 ) of the Bankruptcy Code, any debt discharged in bankruptcy is legally prohibited from being reported as owed or collected. By continuing to report this debt, you are in violation of both the Bankruptcy Code and the Fair Credit Reporting Act ( FCRA ).\n\nAdditionally, as a debt collector, you are subject to the Fair Debt Collection Practices Act ( FDCPA ), which prohibits collecting or reporting debts that have been legally discharged through bankruptcy. Specifically, Section 1692e ( 5 ) of the FDCPA states that a debt collector may not falsely represent or threaten to take any action that can not legally be taken. Therefore, continuing to report this debt as\nowed, after it was discharged, violates these rules.\n\nIn accordance with the FDCPA Section 809 ( a ) ( 15 U.S.C. 1692g ), I am requesting that you immediately cease all collection activities related to this debt, including reporting it to the credit bureaus. I also request that you update your records to reflect the fact that this debt was discharged in bankruptcy, and ensure that the account is marked as \" Discharged in Bankruptcy '' on all three of my credit reports.\n\nI have attached a copy of my bankruptcy discharge notice as evidence that this debt has been legally discharged. Please update my credit report and send me written confirmation that this debt has been removed from your records.\n\nIf you do not respond to this request or fail to update the account, I will be forced to take further action. Under FDCPA Section 1692k, you could be subject to legal action for continuing to collect or report on a discharged debt.","date_sent_to_company":"2025-02-06T09:50:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21222","tags":null,"has_narrative":true,"complaint_id":"11960729","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-06T09:50:14.000Z","state":"MD","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["If you do not respond to this request or fail to update the account, I will be forced to <em>take</em> further <em>action</em>. Under FDCPA Section 1692k, you could be subject to <em>legal</em> <em>action</em> for continuing to collect or report on a discharged debt."]},"sort":[20.313536,"11960729"]},{"_index":"complaint-public-v1","_id":"2634508","_score":20.26792,"_source":{"product":"Debt collection","complaint_what_happened":"I was threatened that they would take service away from me.They claimed they sent certified letter that they can not prove..The letter I got was dated 1 month prier to postmark and they hired a lawyer the next day. I denied the validity of the debt in writing. Then I took legal action and was forced into a Bankruptcy..Now they have sent a letter to ever owner in this is condo unit and I am getting hat mail and threats daily.I have a clean record not even a traffic ticket.","date_sent_to_company":"2017-08-15T20:13:17.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"32114","tags":"Servicemember","has_narrative":true,"complaint_id":"2634508","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Clifton Mortgage Services, LLC","date_received":"2017-08-09T06:30:50.000Z","state":"FL","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["I was <em>threatened</em> that they would <em>take</em> service away from me.They claimed they sent certified letter that they can not prove..The letter I got was dated 1 month prier to postmark and they hired a lawyer the next day. I denied the validity of the debt in writing. Then I took <em>legal</em> <em>action</em> and was forced into a <em>Bankruptcy</em>..Now they have sent a letter to ever owner in this is condo unit and I am getting hat mail and threats daily.I have a clean record not even a traffic ticket."],"issue":["Took or threatened to <em>take</em> negative or <em>legal</em> <em>action</em>"]},"sort":[20.26792,"2634508"]},{"_index":"complaint-public-v1","_id":"11960943","_score":20.225481,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the account ( XXXX ) listed on my credit report under XXXX XXXX XXXX. This account was included in my XXXX  XXXX Bankruptcy, which was filed on XX/XX/year> and discharged on ( XX/XX/year> The bankruptcy case number is ( XXXX As per Section 524 ( a ) ( 2 ) of the Bankruptcy Code, any debt discharged in bankruptcy is legally prohibited from being reported as owed or collected. By continuing to report this debt, you are in violation of both the Bankruptcy Code and the Fair Credit Reporting Act ( FCRA ).\n\nAdditionally, as a debt collector, you are subject to the Fair Debt Collection Practices Act ( FDCPA ), which prohibits collecting or reporting debts that have been legally discharged through bankruptcy. Specifically, Section 1692e ( 5 ) of the FDCPA states that a debt collector may not falsely represent or threaten to take any action that can not legally be taken. Therefore, continuing to report this debt as\nowed, after it was discharged, violates these rules.\n\nIn accordance with the FDCPA Section 809 ( a ) ( 15 U.S.C. 1692g ), I am requesting that you immediately cease all collection activities related to this debt, including reporting it to the credit bureaus. I also request that you update your records to reflect the fact that this debt was discharged in bankruptcy, and ensure that the account is marked as \" Discharged in Bankruptcy '' on all three of my credit reports.\n\nI have attached a copy of my bankruptcy discharge notice as evidence that this debt has been legally discharged. Please update my credit report and send me written confirmation that this debt has been removed from your records.\n\nIf you do not respond to this request or fail to update the account, I will be forced to take further action. Under FDCPA Section 1692k, you could be subject to legal action for continuing to collect or report on a discharged debt.","date_sent_to_company":"2025-02-06T09:50:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21222","tags":null,"has_narrative":true,"complaint_id":"11960943","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-06T09:40:16.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["If you do not respond to this request or fail to update the account, I will be forced to <em>take</em> further <em>action</em>. Under FDCPA Section 1692k, you could be subject to <em>legal</em> <em>action</em> for continuing to collect or report on a discharged debt."]},"sort":[20.225481,"11960943"]},{"_index":"complaint-public-v1","_id":"11960727","_score":20.225481,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the account ( XXXX ) listed on my credit report under XXXX XXXX XXXX. This account was included in my XXXX  XXXX Bankruptcy, which was filed on XX/XX/year> and discharged on ( XX/XX/year> The bankruptcy case number is ( XXXX As per Section 524 ( a ) ( 2 ) of the Bankruptcy Code, any debt discharged in bankruptcy is legally prohibited from being reported as owed or collected. By continuing to report this debt, you are in violation of both the Bankruptcy Code and the Fair Credit Reporting Act ( FCRA ).\n\nAdditionally, as a debt collector, you are subject to the Fair Debt Collection Practices Act ( FDCPA ), which prohibits collecting or reporting debts that have been legally discharged through bankruptcy. Specifically, Section 1692e ( 5 ) of the FDCPA states that a debt collector may not falsely represent or threaten to take any action that can not legally be taken. Therefore, continuing to report this debt as\nowed, after it was discharged, violates these rules.\n\nIn accordance with the FDCPA Section 809 ( a ) ( 15 U.S.C. 1692g ), I am requesting that you immediately cease all collection activities related to this debt, including reporting it to the credit bureaus. I also request that you update your records to reflect the fact that this debt was discharged in bankruptcy, and ensure that the account is marked as \" Discharged in Bankruptcy '' on all three of my credit reports.\n\nI have attached a copy of my bankruptcy discharge notice as evidence that this debt has been legally discharged. Please update my credit report and send me written confirmation that this debt has been removed from your records.\n\nIf you do not respond to this request or fail to update the account, I will be forced to take further action. Under FDCPA Section 1692k, you could be subject to legal action for continuing to collect or report on a discharged debt.","date_sent_to_company":"2025-02-06T09:50:41.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21222","tags":null,"has_narrative":true,"complaint_id":"11960727","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-06T09:50:14.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["If you do not respond to this request or fail to update the account, I will be forced to <em>take</em> further <em>action</em>. Under FDCPA Section 1692k, you could be subject to <em>legal</em> <em>action</em> for continuing to collect or report on a discharged debt."]},"sort":[20.225481,"11960727"]},{"_index":"complaint-public-v1","_id":"6773396","_score":20.192902,"_source":{"product":"Debt collection","complaint_what_happened":"I have started the process to file XXXX XXXXXXXX and signe the petition on XX/XX/2023. I have had repeated calls and text messaged from XXXX XXXX threatening legal action/direct refusal. I called and spoke with XXXX. i explained again that i was in the process of bankruptcy to stop calling me, my job & sending email. He was rude and curt and hung up and speaking super fast that he would take note.","date_sent_to_company":"2023-05-02T18:57:45.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"I do not know","zip_code":"61615","tags":null,"has_narrative":true,"complaint_id":"6773396","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Capital Link Management, LLC","date_received":"2023-03-30T15:33:04.000Z","state":"IL","company_public_response":null,"sub_issue":"Contacted you instead of your attorney"},"highlight":{"complaint_what_happened":["I have had repeated calls and text messaged from XXXX XXXX <em>threatening</em> <em>legal</em> <em>action</em>/direct refusal. I called and spoke with XXXX. i explained again that i was in the process of <em>bankruptcy</em> to stop calling me, my job & sending email. He was rude and curt and hung up and speaking super fast that he would <em>take</em> note."]},"sort":[20.192902,"6773396"]},{"_index":"complaint-public-v1","_id":"7689538","_score":18.9251,"_source":{"product":"Debt collection","complaint_what_happened":"Communication tactics ( repeated phone calls, used abusive language ) Electronic communications ( text message, email, social media ) Attempts to collect debt not owed ( debt was paid, discharged in bankruptcy, result of identity theft, was owed by a deceased family member ) Written notification about debt ( didn't receive, didn't know you could dispute debt ) False statements or representation ( trying to collect wrong amount, impersonated lawyer or government official ) Threatened to contact someone or share information improperly ( contacted employer, contacted you after asked them not to ) Took or threatened to take negative or legal action ( threatened to sue, arrest you, seize property, deport you, collect exempt funds, damage your credit ) Didn't receive enough information to verify debt Didn't receive notice of right to dispute Notification didn't disclose it was an attempt to collect a debt","date_sent_to_company":"2023-10-12T16:35:28.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"7689538","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kimball, Tirey & St. John LLP","date_received":"2023-10-12T16:26:26.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["or share information improperly ( contacted employer, contacted you after asked them not to ) Took or <em>threatened</em> to <em>take</em> negative or <em>legal</em> <em>action</em> ( <em>threatened</em> to sue, arrest you, seize property, deport you, collect exempt funds, damage your credit ) Didn't receive enough information to verify debt Didn't receive notice of right to dispute Notification didn't disclose it was an attempt to collect a debt"]},"sort":[18.9251,"7689538"]},{"_index":"complaint-public-v1","_id":"7353673","_score":17.919674,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to bring to your attention a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1692g, as well as my right to privacy. It has come to my attention that XXXX has failed to properly verify a bankruptcy entry in my public record on my credit report. I demand the immediate removal of this inaccurate bankruptcy entry from my credit report, as it violates my rights and threatens my financial well-being. \n\nUnder 15 U.S.C. 1692g of the FCRA, credit reporting agencies such as XXXX are required to provide consumers with certain rights and protections regarding the accuracy of their credit reports. Specifically, Section 1692g stipulates that if a consumer disputes the accuracy of any information in their credit report, the credit reporting agency must conduct a reasonable investigation to verify the accuracy of the disputed information. This investigation includes contacting the original source of the information to obtain verification. \n\nIn my case, I have disputed the accuracy of the bankruptcy entry that XXXX has included in my public record. Despite my dispute, XXXX has failed to conduct a proper investigation and verification process to establish the accuracy of this bankruptcy entry. This failure not only violates my rights under 15 U.S.C. 1692g but also puts my financial reputation and privacy at risk. \n\nI demand that XXXX takes immediate action to rectify this situation : 1. Remove the inaccurate bankruptcy entry from my credit report without further delay. As XXXX has failed to properly verify this entry, it should not remain on my credit report, as it is damaging my creditworthiness and causing undue harm.\n\n2. Cease any further reporting or disclosure of this inaccurate bankruptcy entry to third parties, including potential creditors or lenders. It is imperative to protect my right to privacy and prevent the dissemination of false and damaging information.\n\n3. Provide me with written confirmation of the removal of the bankruptcy entry from my credit report and the actions taken to rectify this violation of my rights within the legally mandated timeframe. \n\nI want to emphasize that I am fully aware of my rights under the FCRA and other applicable laws. I expect XXXX to comply with these laws and fulfill its obligations as a credit reporting agency. Failure to address this violation promptly and effectively will leave me no choice but to take legal action to protect my rights and seek appropriate remedies.","date_sent_to_company":"2023-08-04T18:59:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48088","tags":null,"has_narrative":true,"complaint_id":"7353673","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-08-04T18:36:37.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Failure to address this violation promptly and effectively will leave me no choice but to <em>take</em> <em>legal</em> <em>action</em> to protect my rights and seek appropriate remedies."]},"sort":[17.919674,"7353673"]},{"_index":"complaint-public-v1","_id":"2954743","_score":17.917421,"_source":{"product":"Mortgage","complaint_what_happened":"My mortgage was discharged in a chapter XXXX Bankruptcy.I have 2 specific issues 1-PNC sent collection letters after the discharge of the debt.I am attaching collection letters fromXX/XX/XXXX andXX/XX/XXXX ( pages marked 1 and 2 of attachment ) the .They are saying the payment is \" past due '' and that they \" may report information about this account to the credit bureaus '' they threaten that \" this default may be reflected in your credit report.They have a right to enforce their security intrest and nothing more. '' They cant do any of this as the debt was discharged in Bankruptcy and they are violating the bankruptcy injunction and the Fair Debt Collection Practices Act repetitively.\n\nThis also violated the CFPB directive on unfair and deceptive practices.Page 6 of the attachment section 209 CMR 18.16 number 5 states that '' the threat to take any action that can not legally be taken '' is a violation. They cant report this to the credit bureau, nor did they intend to but they did threaten to do it.\n\n2-PNC sent an illegal cure notice. ( page 7 ) this default notice gives a 30 day notice and was sent regular mail.Each of these are in violation of Massachusetts General law.Please see page 3 and 4 outlining requirements for default notification for \" certain mortgage loans '' and this loan having been an interest only loan for 10 years is a \" certain mortgage loan '' The cure notice has to be 90 days from the default and cant be delivered regular mail.\n\nThere are many, many more violations of the FDCPA by PNC, they are especially sloppy when it comes to dealing with bankruptcies in loss mitigationThey do what they want without regard to CFPB regulations or collection laws..","date_sent_to_company":"2018-07-05T21:26:15.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"01801","tags":"Older American","has_narrative":true,"complaint_id":"2954743","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2018-07-05T20:03:54.000Z","state":"MA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This also violated the CFPB directive on unfair and deceptive practices.Page 6 of the attachment section 209 CMR 18.16 number 5 states that '' the threat to <em>take</em> any <em>action</em> that can not <em>legally</em> be taken '' is a violation."]},"sort":[17.917421,"2954743"]},{"_index":"complaint-public-v1","_id":"4991421","_score":17.828493,"_source":{"product":"Debt collection","complaint_what_happened":"In Re : In The Matter Of : Name of Appellant : XXXX XXXX Bankruptcy Case # : XXXX ( Dismissed ) Civil Action Case # : XXXX XXXX ( XXXX ) This Topic : Appellants 4th Brief ( Due Date Not Specified by Court ) TOPIC 01 : Notice of Demand For Possession from XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Main Office : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX , Phone ( XXXX ) XXXX. \n\nSummary : Legal Basis & Procedure basis are questioned by Appellant XXXX XXXX on this Notice of Demand For Possession ( Attached ). \nThis notice was taped on my TH residence Front Door. This notice was delivered by this means, ar around XXXX XXXX, Wednesday, XX/XX/2021. Please note that Civil Action Case # XXXX ( XXXX ) still Open & Not Dismissed. Suitable legal counsel not yet identified but continued effort is being made since last brief, Appellant Update 03 -- Brief XX/XX/2021 was filed approximately 2 months ago. A complaint against this party will Be filed with CFPB.GOV, under Debt Collection. Issue category : Took or threatened to take negative or legal action. \nThis notice is dated XXXX XX/XX/2021 From XXXX XXXX ( XXXX XXXX XXXX ), The XXXX XXXX XXXX XXXX XXXX XXXX, Main Office : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX Phone : ( XXXX ) XXXX. \n\nXXXX Legal 3rd Party Debt Collector since XX/XX/XXXX have tried to foreclose twice requiring me to seek XXXX XXXX Protection, as filed at the XXXX XXXX XXXX Court House, currently pending Civil Action Case NO : Civil Action Case # : XXXX XXXX ( XXXX ) ( please see related XXXX previously filed complaint ID : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Took or threatened to take negative or legal action","date_sent_to_company":"2021-12-22T21:14:39.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"221XX","tags":"Older American","has_narrative":true,"complaint_id":"4991421","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2021-12-09T13:12:57.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["XXXX <em>Legal</em> 3rd Party Debt Collector since XX/XX/XXXX have tried to foreclose twice requiring me to seek XXXX XXXX Protection, as filed at the XXXX XXXX XXXX Court House, currently pending Civil <em>Action</em> Case NO : Civil <em>Action</em> Case # : XXXX XXXX ( XXXX ) ( please see related XXXX previously filed complaint ID : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Took or <em>threatened</em> to <em>take</em> negative or <em>legal</em> <em>action</em>"],"issue":["Took or threatened to <em>take</em> negative or <em>legal</em> <em>action</em>"]},"sort":[17.828493,"4991421"]},{"_index":"complaint-public-v1","_id":"4489670","_score":17.538858,"_source":{"product":"Debt collection","complaint_what_happened":"I keep getting similar emails in my spam folder from Speedy Cash threatening to take legal action against me if I do not pay right away but they never leave a phone number to call and the emails look like it could be a scam. I did take out a loan back early XXXX which did end up defaulting for the amount of {$650.00}, however, I am currently in a chapter XXXX bankruptcy and I remember including Speedy Cash in my filing back in XX/XX/XXXX. Please contact this payday loan company and stop these harassing emails and constant phone calls. I have a spam block on my phone and keep getting weird numbers multiple times a day but they never leave a message. Please investigate and let me know if this is a scam based on true information from the past and let me know what I should do next. I have forwarded similar emails from Speedy Cash to my lawyer and he said this was most likely a scam and not to worry about it but these emails are talking about serious legal actions involving my place of employment so I'm extremely stressed out about it. I've never gotten anything from them in the mail to back up their claims so I don't know if this is legit.","date_sent_to_company":"2021-06-24T15:17:28.000Z","issue":"Attempts to collect debt not owed","sub_product":"Payday loan debt","zip_code":"95132","tags":null,"has_narrative":true,"complaint_id":"4489670","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CURO Intermediate Holdings","date_received":"2021-06-24T14:52:12.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["I keep getting similar emails in my spam folder from Speedy Cash <em>threatening</em> to <em>take</em> <em>legal</em> <em>action</em> against me if I do not pay right away but they never leave a phone number to call and the emails look like it could be a scam. I did <em>take</em> out a loan back early XXXX which did end up defaulting for the amount of {$650.00}, however, I am currently in a chapter XXXX <em>bankruptcy</em> and I remember including Speedy Cash in my filing back in XX/XX/XXXX."],"sub_issue":["Debt was already discharged in <em>bankruptcy</em> and is no longer owed"]},"sort":[17.538858,"4489670"]},{"_index":"complaint-public-v1","_id":"7348228","_score":17.209103,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to bring to your attention a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1692g, as well as my right to privacy. It has come to my attention that Experian has failed to properly verify a bankruptcy entry in my public record on my credit report. I demand the immediate removal of this inaccurate bankruptcy entry from my credit report, as it violates my rights and threatens my financial well-being.\n\nUnder 15 U.S.C. 1692g of the FCRA, credit reporting agencies such as Experian are required to provide consumers with certain rights and protections regarding the accuracy of their credit reports. Specifically, Section 1692g stipulates that if a consumer disputes the accuracy of any information in their credit report, the credit reporting agency must conduct a reasonable investigation to verify the accuracy of the disputed information. This investigation includes contacting the original source of the information to obtain verification.\n\nIn my case, I have disputed the accuracy of the bankruptcy entry that Experian has included in my public record. Despite my dispute, Experian has failed to conduct a proper investigation and verification process to establish the accuracy of this bankruptcy entry. This failure not only violates my rights under 15 U.S.C. 1692g but also puts my financial reputation and privacy at risk.\n\nI demand that Experian takes immediate action to rectify this situation : 1. Remove the inaccurate bankruptcy entry from my credit report without further delay. As Experian has failed to properly verify this entry, it should not remain on my credit report, as it is damaging my creditworthiness and causing undue harm.\n\n2. Cease any further reporting or disclosure of this inaccurate bankruptcy entry to third parties, including potential creditors or lenders. It is imperative to protect my right to privacy and prevent the dissemination of false and damaging information.\n\n3. Provide me with written confirmation of the removal of the bankruptcy entry from my credit report and the actions taken to rectify this violation of my rights within the legally mandated timeframe.\n\nI want to emphasize that I am fully aware of my rights under the FCRA and other applicable laws. I expect Experian to comply with these laws and fulfill its obligations as a credit reporting agency. Failure to address this violation promptly and effectively will leave me no choice but to take legal action to protect my rights and seek appropriate remedies. \n\nAlso I have provided documentation that this public record hasnt been provide by the source know as Eastern US Court BK nor any other third party data base, including XXXX  XXXX, XXXX, or metro 2 compliance","date_sent_to_company":"2023-08-03T19:06:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48088","tags":null,"has_narrative":true,"complaint_id":"7348228","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-08-03T18:53:25.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["Failure to address this violation promptly and effectively will leave me no choice but to <em>take</em> <em>legal</em> <em>action</em> to protect my rights and seek appropriate remedies. \n\nAlso I have provided documentation that this public record hasnt been provide by the source know as Eastern US Court BK nor any other third party data base, including XXXX  XXXX, XXXX, or metro 2 compliance"]},"sort":[17.209103,"7348228"]},{"_index":"complaint-public-v1","_id":"3325044","_score":16.947681,"_source":{"product":"Debt collection","complaint_what_happened":"I have now received 2 calls threatening to serve me papers or take me to court regarding a XXXX/Victoria's Secret credit card that was discharged in bankruptcy over 4 years ago (the original debt would have been about 10+ years old now). The first call came a few days ago from an unknown number where the woman did not identify herself or the company. I suspect the caller was from XXXX XXXX   because I did hear a phone number during the transfer and it had a (XXXX) area code. I, however, did not get to write down the number. The woman who called was hostile and told me to \"pay my bills\" and \"not buy things I can't afford\" when I told her the call was illegal because the debt had been released in bankruptcy and would have been time-barred anyway. She continued to insult and threaten me with legal action for a few seconds then promptly hung up before I could say anything else. Today, I received another call (from a different area code) about the same debt. The recording identified the company as a \"XXXX XXXX XXXX.\" I believe this company has called me before. The man I spoke with knew my name, birth date, full social security number, etc. He said there was a civil case against me pertaining to this debt. When I told him the same thing that I told the previous caller, he said to \"lose my attitude\" and that he would \"check on the bankruptcy, but I'll see you in court\" and then immediately hung up before I could tell him that I was going to report them. Since declaring bankruptcy after a financial hardship, I have established excellent credit and payment history. I do not have any outstanding debts, and I do not have an account with XXXX/Victoria's Secret. I am tired of still receiving harassing calls over a debt that I legally do not owe and haven't for several years now. Additionally, I find it extremely concerning that companies with no valid reason to access personal information such as a social security number can so freely access this information -- it is no wonder that identity theft is so rampant.","date_sent_to_company":"2019-08-05T14:27:32.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"90034","tags":null,"has_narrative":true,"complaint_id":"3325044","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2019-07-31T20:10:59.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["The woman who called was hostile and told me to \"pay my bills\" and \"not buy things I can't afford\" when I told her the call was illegal because the debt had been released in <em>bankruptcy</em> and would have been time-barred anyway. She continued to insult and <em>threaten</em> me with <em>legal</em> <em>action</em> for a few seconds then promptly hung up before I could say anything else. Today, I received another call (from a different area code) about the same debt. The recording identified the company as a \"XXXX XXXX XXXX.\""],"sub_issue":["Debt was already discharged in <em>bankruptcy</em> and is no longer owed"]},"sort":[16.947681,"3325044"]},{"_index":"complaint-public-v1","_id":"2677529","_score":16.4334,"_source":{"product":"Debt collection","complaint_what_happened":"I have been received phone calls from XXXX today I called the number back was advised that this is regarding a debt from 2011 from a payday loan. since this is a debt collection company I was NOT advised of my mini Miranda right since this was the initial contact that I had with company, according to the FDCPA it has violated the Fair Debt Collection Practices Act, the law that governs what debt collectors can and ca n't do.. I advised the representative that I never had such debt and if I did it was included in my bankruptcy. She began to get rude and would not let me speak and then disconnected the call when I attempted to ask her to validate the debt and send the information to the address they had on file. she hung up. I called back and she stated that they call dropped and then I once again requested they validate the debt. she gave an address that I have not lived at in over 10 years. this company is a scam and they are attempting to extort money that is not owed and threatening to take legal action with no validity to the debt.","date_sent_to_company":"2017-09-18T17:02:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"Payday loan debt","zip_code":"76018","tags":null,"has_narrative":true,"complaint_id":"2677529","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Halsted Financial Services, LLC.","date_received":"2017-09-18T16:56:36.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["I called back and she stated that they call dropped and then I once again requested they validate the debt. she gave an address that I have not lived at in over 10 years. this company is a scam and they are attempting to extort money that is not owed and <em>threatening</em> to <em>take</em> <em>legal</em> <em>action</em> with no validity to the debt."],"sub_issue":["Debt was already discharged in <em>bankruptcy</em> and is no longer owed"]},"sort":[16.4334,"2677529"]},{"_index":"complaint-public-v1","_id":"1747620","_score":16.17611,"_source":{"product":"Debt collection","complaint_what_happened":"Today I was threatened with arrest and family members harassed on a debt discharged in a bankruptcy over 10 years ago. Highly illegal. \n\nXXXX NP Group violates the following : a ) Harassment ( XXXX ) : A debt collector may not harass or abuse any person to collect a debt, including : ( v ) repeatedly or continuously telephoning someone ; XXXX XXXX Collection Bureau , XXXX XXXX XXXX. XXXX [ DCND XXXX ] ( collector 's immediately recalling debtor after the debtor hung up constituted harassment ) ; CALLS FROM DIFFERENT NUMBERS REPEATEDLY.. CALLS FROM BLOCKED NUMBERS. \n\nb ) False or misleading representations ( XXXX ) : A debt collector may not make any false or deceptive representations, including any representations : ( iv ) that nonpayment may result in arrest or seizure of any property, unless such action is lawful and the collector intends to do the same ; ( v ) threatening to take any actions that can not legally be taken ; In re XXXX, XXXX BR XXXX [ Bkrptcy. XXXX XXXX XXXX ] ( threatening to take imminent action, where no one in the creditor 's legal department was admitted to practice in the debtor 's jurisdiction was a violation of the act ) ; ( vii ) informing the debtor that he committed a crime in order to disgrace him ; ( viii ) communicating false credit information, including the omission of any dispute by the debtor ; ( x ) using deceptive means to obtain information about the debtor ; ( xi ) failing to disclose to the debtor that the collector is attempting to collect a debt and that any information obtained may be used for such purpose ( except such statement need not be made in formal court pleadings ) ; ( xiii ) stating that documents are legal process which are not ; XXXX, XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX ] ( officer of collection agency engaged in unauthorized practice of law in Arizona, when she signed an application for a writ of garnishment ) ; ( xv ) stating that documents are not legal process which are, or implying that no action is required relating to such legal process ; or c ) Unfair practices ( XXXX ) : A debt collector may not use unfair or unconscionable practices to collect a debt, including : File complaint against them here : XXXX Here 's the managing member of the group XXXX XXXX XXXX XXXX, XXXX. \nXXXX XXXX XXXX XXXX. \nXXXX XXXX, NEW YORK, XXXX National Principal Group LLC Current Entity Name : NATIONAL PRINCIPAL GROUP LLC DOS ID # : XXXX Initial DOS Filing Date : XXXX XXXX, XXXX County : XXXX Jurisdiction : NEW YORK Entity Type : DOMESTIC LIMITED LIABILITY COMPANY Current Entity Status : ACTIVE Selected Entity Address Information DOS Process ( Address to which DOS will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX, XXXX. \nXXXX XXXX XXXX XXXX. \nXXXX XXXX, NEW YORK, XXXX XXXX","date_sent_to_company":"2016-01-26T15:08:40.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Payday loan","zip_code":"75025","tags":null,"has_narrative":true,"complaint_id":"1747620","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Principal Group, LLC","date_received":"2016-01-19T20:21:52.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was discharged in bankruptcy"},"highlight":{"complaint_what_happened":["b ) False or misleading representations ( XXXX ) : A debt collector may not make any false or deceptive representations, including any representations : ( iv ) that nonpayment may result in arrest or seizure of any property, unless such <em>action</em> is lawful and the collector intends to do the same ; ( v ) <em>threatening</em> to <em>take</em> any <em>actions</em> that can not <em>legally</em> be taken ; In re XXXX, XXXX BR XXXX [ Bkrptcy."],"sub_issue":["Debt was discharged in <em>bankruptcy</em>"]},"sort":[16.17611,"1747620"]},{"_index":"complaint-public-v1","_id":"3183550","_score":15.9761715,"_source":{"product":"Debt collection","complaint_what_happened":"In XXXX I received a letter saying that my second mortgage, that was discharged in a chapter XXXX bankruptcy, was transferred to XXXX XXXX XXXX, I had not paid this loan since XXXX.The new creditor contacted me and wanted me to make monthly payments and advised me that he would be \" coming after me '' XXXX  XXXX was the principal of XXXX XXXX  XXXX.He called and emailed about payments in violation of the Bankruptcy injunction.I advised that I was not obligated on the debt and his only remedy was through the property but he insisted I start making monthly payments.He advised that he would foreclose but with a 1st mortgage of XXXX and a value under 500k no one would do that as they wouldn't get any monies after all was said and done.WXXXX talked of some type of a lien release settlement but he wanted more monies than he new I had and I advised him of a previous settlement offer that a previous servicer had reneged on ( see your case XXXX ) but he was still insisting on monthly payments.I did some research and he is not registered with the state of Massachusetts as required nor licensed with the state of Mass as required by 209cmr 18.16, I  don't know if he ever applied or was denied due to him previously being sanctioned and having a cease and desist issued by The Office of Thrift Supervision case XXXX XXXX. \nHe then sent a notice to cure saying \" you have 30 days thereafter a foreclosure action will be initiated. \nThis is also against Massachusetts law requiring a 150 day 1st notice to accelerate and cure so in summation He is operating illegally, violating the FDCPA, threatening legal action that he cant take and violating UDAAP, and trying to collect on debts not owed, and violating the CFPBS directive on deceptive acts and practices.He must know the laws about notice in Massachusetts so he is threatening what he know cant happen, or if he doesn't he shouldn't be trying to foreclose on homes..","date_sent_to_company":"2019-03-25T17:35:00.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"01801","tags":"Older American","has_narrative":true,"complaint_id":"3183550","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"B&B Funding, LLC","date_received":"2019-03-18T22:04:55.000Z","state":"MA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["This is also against Massachusetts law requiring a 150 day 1st notice to accelerate and cure so in summation He is operating illegally, violating the FDCPA, <em>threatening</em> <em>legal</em> <em>action</em> that he cant <em>take</em> and violating UDAAP, and trying to collect on debts not owed, and violating the CFPBS directive on deceptive acts and practices.He must know the laws about notice in Massachusetts so he is <em>threatening</em> what he know cant happen, or if he doesn't he shouldn't be trying to foreclose on homes.."],"issue":["Took or threatened to <em>take</em> negative or <em>legal</em> <em>action</em>"]},"sort":[15.9761715,"3183550"]},{"_index":"complaint-public-v1","_id":"19219944","_score":15.799508,"_source":{"product":"Debt collection","complaint_what_happened":"I am in an active XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX, filed XX/XX/XXXX ) with the U.S. Bankruptcy Court for the XXXX XXXX of XXXX. I have a hearing scheduled for XX/XX/XXXX, regarding a motion for hardship discharge or conversion to XXXX  XXXX. \nOn XX/XX/XXXX, I received an unsolicited email from someone identifying himself as XXXX XXXX using the email address XXXX. The email claimed I owed a debt referenced as XXXX XXXX XXXX and demanded payment, stating the matter was in pre-litigation status. \nMy Response and Debt Validation Request : On XX/XX/XXXX, I responded to this email, informing the sender that I am in active XXXX  XXXX bankruptcy and that any collection activity violates the automatic stay provisions of federal bankruptcy law. I requested the following debt validation information as required under the Fair Debt Collection Practices Act : 1. The creditor name 2. The account number 3. The amount owed 4. Documentation of this debt I also demanded that all collection activity cease immediately. \nCollectors Response : The sender responded later on XX/XX/XXXX, refusing to provide any of the requested validation information. Instead, the email stated : Please be advised that this account pertains to an online loan originally issued for an amount under {$1000.00}, and in such cases, the lender is not required to provide further documentation beyond what has already been submitted and verified through the court process. \nThe email claimed that all loan records, transaction confirmations, and supporting data were formally presented to the courthouse by the lender when the case was filed but refused to identify the creditor, court, case number, or provide any documentation whatsoever. \nThe email threatened that ignoring this communication or delaying settlement may result in enforcement measures being reactivated and demanded I confirm whether you wish to proceed with the settlement arrangement so this case can remain on hold outside of the courthouse. \nViolations of Federal Law : This collection activity violates multiple federal consumer protection laws : 1. Fair Debt Collection Practices Act ( FDCPA ) Violations : Failure to provide debt validation information upon request ( 15 U.S.C. 1692g ) False representation that the collector is not required to provide documentation Threatening action that can not legally be taken ( enforcement during bankruptcy stay ) Use of deceptive means to collect a debt 1. Bankruptcy Code Violations : Attempted collection activity in violation of the automatic stay ( 11 U.S.C. 362 ) Continued collection efforts after notification of active bankruptcy 1. Fraudulent Misrepresentation : Impersonation of an attorney ( use of attorney in email address ) False claims about court filings and legal requirements Refusal to identify the creditor or provide verifiable information Evidence This Is a Scam : 1. Legitimate attorneys do not use XXXX accounts for official legal correspondence 2. No creditor matching this description appears in my bankruptcy schedules 3. No proof of claim has been filed in my bankruptcy case under this reference number 4. The purported case reference number does not match any standard court filing format 5. The sender refuses to provide basic information that any legitimate collector must provide 6. The legal claims made are false and inconsistent with federal debt collection law Verification Efforts : I have reviewed my bankruptcy petition and schedules filed on XX/XX/XXXX, and confirmed that no creditor matching this description was listed. I have also checked the PACER docket for my bankruptcy case and found no proof of claim filed under the referenced case number. I have forwarded this matter to my XXXX  XXXX Trustee, XXXX XXXX , for investigation. \nImpact on Consumer : This fraudulent collection attempt has caused me significant emotional distress during an already difficult financial crisis. I am currently unemployed with no income and am seeking a hardship discharge from bankruptcy. This scam appears designed to exploit vulnerable bankruptcy filers who may be intimidated into making payments on nonexistent debts. \nI am particularly concerned that this scammer may be obtaining information about recent bankruptcy filings from public court records and targeting filers with fraudulent collection demands during a period when they are most financially and emotionally vulnerable. \nWhat I Want : 1. Investigation of this fraudulent debt collection operation 2. Enforcement action against the individual ( s ) operating this scam 3. Public warning to other consumers about this fraud scheme 4. Confirmation that I have no obligation to respond to or pay this fraudulent claim 5. Protection from further contact by this fraudulent collector Supporting Documentation : I have retained complete copies of all email correspondence with full headers showing the senders email address and timestamps. I can provide additional documentation including my bankruptcy filing, schedules, and correspondence with my XXXX  XXXX Trustee upon request. \nI request that the CFPB investigate this matter thoroughly and take appropriate enforcement action to protect other consumers from this fraudulent debt collection scheme. \nRespectfully submitted,","date_sent_to_company":"2026-03-24T15:09:29.000Z","issue":"Electronic communications","sub_product":"Payday loan debt","zip_code":"98115","tags":null,"has_narrative":true,"complaint_id":"19219944","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2026-02-03T19:52:25.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["Fair Debt Collection Practices Act ( FDCPA ) Violations : Failure to provide debt validation information upon request ( 15 U.S.C. 1692g ) False representation that the collector is not required to provide documentation <em>Threatening</em> <em>action</em> that can not <em>legally</em> be taken ( enforcement during <em>bankruptcy</em> stay ) Use of deceptive means to collect a debt 1."]},"sort":[15.799508,"19219944"]},{"_index":"complaint-public-v1","_id":"1759893","_score":15.739476,"_source":{"product":"Debt collection","complaint_what_happened":"Name : XXXX XXXX XXXX XXXX XXXX : Grant Mercantile Agency Account : XXXX XXXX XXXX XXXX XXXX, Grant Mercantile Agency has been sending me threatening letters and emails trying to collect a debt for XXXX XXXX XXXX XXXX that was Discharged in my Bankruptcy No. : XXXX. We have sent them numerous documents including XXXX XXXX XXXX XXXX Statement of Charges showing ( XXXX ) XXXX balances and XXXX due, stamped, dated and initialed by the XXXX XXXX XXXX XXXX supervisor. \n\nThey were also given the phone numbers of XXXX XXXX XXXX XXXX patient records so that they could call to verify our documents but according to XXXX XXXX XXXX XXXX 's last contact ... GMA has never made any attempt to contact them in anyway. \n\nFurther, on XX/XX/2016 GMA filed collection notices with all XXXX Credit Reporting agencies for the XXXX XXXX accounts and sent me a letter saying I had 30 days from XX/XX/2016 to pay them or they would take legal action against me.","date_sent_to_company":"2016-01-28T01:45:25.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Medical","zip_code":"902XX","tags":"Older American","has_narrative":true,"complaint_id":"1759893","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Grant Mercantile Agency","date_received":"2016-01-28T01:45:24.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was discharged in bankruptcy"},"highlight":{"complaint_what_happened":["Further, on XX/XX/2016 GMA filed collection notices with all XXXX Credit Reporting agencies for the XXXX XXXX accounts and sent me a letter saying I had 30 days from XX/XX/2016 to pay them or they would <em>take</em> <em>legal</em> <em>action</em> against me."],"sub_issue":["Debt was discharged in <em>bankruptcy</em>"]},"sort":[15.739476,"1759893"]},{"_index":"complaint-public-v1","_id":"6043030","_score":15.534419,"_source":{"product":"Debt collection","complaint_what_happened":"I have been a victim of identity theft, and the parties that assumed my data, fraudulently used my property, fraudulently used my deed, and falsified all documents was granted over {$300000.00} dollars and used my same property as collateral to fraudulently file for another loan for property for {$200000.00} the fraudulent XXXX home loan. \n\nThe parties also fraudulently have been stealing mail and also falsified the same schemes to file for bankruptcy protection. The parties did not have any authority to do such and one party fled to XXXX using XXXX Banks for no less than three loans without my knowledge. \n\nXXXX Banks never contacted me, XXXX XXXX, and they are refusing to comply with the guidelines that CFPB filed for injunctions to protect any victims of data breaches and identity theft. \n\nThe attorneys XXXX and XXXX denied and obstructed orders, when I never filed, never completed any loans or ever authorized any loans. \n\nThis is a direct contempt of orders CFPB filed XX/XX/2022 and attorney lied in response repeatedly and has denied any CFPB orders exist to protect victims of fraud, identity theft and property fraud loans. \n\nIn fact CFPB closed all cases, disregarding my proof and documents that have been forwarded. \n\nIntimidation and harassment is prohibited. \n\n\nXXXX XXXX XXXX XXXX XXXX consumer report Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2022 Open Sent to Company XXXX XXXX XXXX XXXX reporting Incorrect information on your report experian consumer fraud division XX/XX/2022 Open Sent to company XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX  XXXX FLORIDA XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Other personal consumer report Incorrect information on your report XXXX BANK XX/XX/2022 Closed Marked as a duplicate complaint on XX/XX/2022 XXXX XXXX XXXX Other debt Took or threatened to take negative or legal action premier properties XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action RUSHMORE LOAN MANAGEMENT SERVICES LLC XX/XX/2022 Closed Company responded XXXX XXXX XXXX I do not know Took or threatened to take negative or legal action XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX Other personal consumer report Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX XXXX reporting Credit monitoring or identity theft protection services XXXX XXXX XXXX AND ALL OTHERS XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Credit reporting Credit monitoring or identity theft protection services XXXX XXXX  AND RUSHMORE COLLECTIONS AND THEY WILL NOT GIVE ME ANY INFORMATION OR ACCOUNT NUMBER OF FRAUDULENT ACCOUNT XX/XX/2022 Open Submitted XXXX the CFPB XXXX XXXX XXXX Other personal consumer report Problem with a company 's investigation into an existing issue XXXX  AND XXXX XXXX FIRM XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX XXXX reporting Problem with fraud alerts or security freezes RUSHMORE COLLECTIONS AGENCY XXXX BEHALF OF XXXX XXXX  XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Credit reporting Problem with fraud alerts or security freezes XXXX XXXX XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX XXXX reporting Problem with fraud alerts XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX XXXX reporting Problem with fraud alerts or security freezes XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX Other type of mortgage Trouble during payment process XXXX BANK XX/XX/2022 Open Sent to XXXX XXXX","date_sent_to_company":"2022-10-03T04:37:08.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"32708","tags":null,"has_narrative":true,"complaint_id":"6043030","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RUSHMORE LOAN MANAGEMENT SERVICES LLC","date_received":"2022-10-03T04:14:35.000Z","state":"FL","company_public_response":null,"sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["to <em>take</em> negative or <em>legal</em> <em>action</em> premier properties XX/XX/2022 Open Submitted to the CFPB XXXX XXXX XXXX I do not know Took or <em>threatened</em> to <em>take</em> negative or <em>legal</em> <em>action</em> XXXX XXXX XXXX XXXX XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX I do not know Took or <em>threatened</em> to <em>take</em> negative or <em>legal</em> <em>action</em> RUSHMORE LOAN MANAGEMENT SERVICES LLC XX/XX/2022 Closed Company responded XXXX XXXX XXXX I do not know Took or <em>threatened</em> to <em>take</em> negative or <em>legal</em> <em>action</em> XXXX XXXX XXXX XXXX XX/XX/2022 Closed"],"issue":["Took or threatened to <em>take</em> negative or <em>legal</em> <em>action</em>"]},"sort":[15.534419,"6043030"]},{"_index":"complaint-public-v1","_id":"4391945","_score":15.094229,"_source":{"product":"Debt collection","complaint_what_happened":"LGM has repeatedly threatened legal action, and harassed us and our family members for payment of a vehicle that we have asked them to pick up for years. This vehicle was illegally approved for us as we had just filed bankruptcy when the car was purchased. We were talked into this by a reputable car dealer and only after we signed papers did we realize that we didnt buy the car from the dealer but from a third party car place. \n\nWe have lived in the same home since XXXX and have never received any mail from them whatsoever. They claim they have sued us for the vehicle and say we are committing a crime. We have told them the vehicle is at our home and please take it. It hasnt moved from our address since we moved to this area. The car was eventually picked up and just now they are reporting to the credit bureau that we owe more than the car was purchased for. We have been denied a home because this showed on the report. And due to covid we need to relocate our family as we only have one income now. We have been given until XX/XX/XXXX to move and cant be approved because this has just now been added to our credit report. Please help us!","date_sent_to_company":"2021-05-20T17:15:02.000Z","issue":"False statements or representation","sub_product":"Auto debt","zip_code":"441XX","tags":null,"has_narrative":true,"complaint_id":"4391945","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The LGM Co., Inc.","date_received":"2021-05-20T17:01:55.000Z","state":"OH","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["LGM has repeatedly <em>threatened</em> <em>legal</em> <em>action</em>, and harassed us and our family members for payment of a vehicle that we have asked them to pick up for years. This vehicle was illegally approved for us as we had just filed <em>bankruptcy</em> when the car was purchased. We were talked into this by a reputable car dealer and only after we signed papers did we realize that we didnt buy the car from the dealer but from a third party car place."]},"sort":[15.094229,"4391945"]},{"_index":"complaint-public-v1","_id":"13953950","_score":15.065594,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Subject : Continued Violation of Bankruptcy Discharge Injunction Account # XXXX Dear CFPB and Toyota Financial Services ' ( TFS ) : I am writing to address ongoing concerns regarding Toyota Financial Services ( TFS ) collection efforts related to my XXXX XXXX XXXX ( XXXX : XXXX ), account number XXXX, following my XXXX  XXXX bankruptcy discharge ( XX/XX/XXXX ). \n\nOn XX/XX/XXXX, my XXXX  XXXX bankruptcy case ( XXXX XXXX XXXX XXXX, Case No. XXXX ) was discharged, as ordered by the Bankruptcy Court . \n\nOn XX/XX/XXXX, I received XXXX letters from XXXX addressed to myself, XXXX XXXX, and XXXX to my wife, XXXX XXXX. These letters acknowledged the total loss claim and included language stating : If your vehicle is not deemed a total loss, then you will be responsible for any payments not made while your claim was being reviewed by your insurance company. Furthermore, the letters threatened that You will also be responsible for any balance that remains if no payment is received from your insurer. These statements wrongly assert post-discharge financial liability, contradict the protections provided under federal bankruptcy law, and create confusion and distress. \n\nThe subsequent letters dated XX/XX/XXXX and XX/XX/XXXX, further escalated the issue by stating that I may be responsible for the entire balance if the insurance payment was not receivedagain reinforcing the impression that I remain liable for a debt that has been legally discharged. The companys XX/XX/XXXX, response claimed that these letters were sent \" for information purposes only '' and included standard bankruptcy disclaimers. However, this does not shield TFS from liability under 11 U.S.C. 524 ( a ), especially when the body of the letters directly contradicts the discharge by coercing or suggesting payment. \n\nTherefore, I request the following resolution : TFS must cease all further collection-related communications concerning the discharged debt.\n\nTFS must send written confirmation that they acknowledge the Chapter 7 discharge and will not pursue any remaining balance related to this vehicle loan.\n\nTFS must correct any inaccurate or misleading communications, including those sent to my wife, and I. TFS must formally retract language that implies post-discharge financial responsibility.\n\nTFS must ensure that all credit reporting agencies reflect the discharged debt appropriately.\n\nI ask the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and ensure that TFS complies with federal bankruptcy and consumer protection laws to prevent further violations under the Fair Debt Collection Practices Act ( FDCPA ). \n\nThe statement that I may be responsible for this debt constitutes a violation of the discharge injunction under 11 U.S.C. 524 ( a ), as it attempts to coerce repayment of a debt that the bankruptcy court has released me from. Sending multiple letters with such language can not be excused or mitigated by any disclaimers provided by TFS. Their insistence on potential liability improperly pressures me and conflicts with federal bankruptcy protections. \n\nFurthermore, in TFSs response dated XX/XX/XXXX, they assert that their letters are not an attempt to collect, assess or recover a claim in violation of the Bankruptcy code and are provided for information purposes only. This disclaimer is inappropriate and insufficient. Simply labeling these communications as informational does not absolve TFS from responsibility when the substance of the letters violates the discharge injunction. This legal disclaimer does not absolve TFS or grant TFS legal immunity.\n\nThe letters threatening tone and implication of personal financial responsibility are coercive and misleading. Courts have held that attempts to circumvent bankruptcy protections through veiled or indirect language still constitute violations under 11 U.S.C. 524 ( a ) and may also violate the Fair Debt Collection Practices Act ( FDCPA ).\n\nTherefore, TFSs continued attempts to collect or imply responsibility for this discharged debt, even under the guise of informational notices, are unlawful and must cease immediately. I request that the CFPB investigate this matter thoroughly and take appropriate action to ensure TFS complies with the bankruptcy discharge injunction and federal debt collection laws. \n\nThank you for your attention to this urgent matter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-06-07T03:42:48.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"786XX","tags":"Servicemember","has_narrative":true,"complaint_id":"13953950","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2025-06-07T03:14:08.000Z","state":"TX","company_public_response":null,"sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["I request that the CFPB investigate this matter thoroughly and <em>take</em> appropriate <em>action</em> to ensure TFS complies with the <em>bankruptcy</em> discharge injunction and federal debt collection laws. \n\nThank you for your attention to this urgent matter. \n\nSincerely, XXXX XXXX XXXX"]},"sort":[15.065594,"13953950"]},{"_index":"complaint-public-v1","_id":"18234351","_score":15.047597,"_source":{"product":"Debt collection","complaint_what_happened":"On today, XX/XX/XXXX, I was contacted by a representative from XXXX XXXX XXXX XXXX XXXX regarding a debt originally related to XXXX XXXX XXXX XXXX XXXX ). The representative used extreme high-pressure tactics, stating that tomorrow my account would be open and a \" opening a claim '' and would \" that I could be sued '' if I did not make an immediate payment or have my wages garnished.The representative mentioned that the account was from XX/XX/XXXX. Since this debt is over XXXX years old, I believe it is past the statute of limitations in my state, making their threat to \" sue me '' or \" garnish my wages '' an even more severe violation of the FDCPA. \nWhen I asked for the total amount of the debt and written documentation/validation, the collector refused to provide it, stating they would not provide a full amount, but I could call for it later. Because I was so scared by the threat of being sued the following day, I felt forced to make an immediate payment of {$160.00} ( which consisted of a {$150.00} payment plus a {$9.00} convenience fee ). \nI believe this is a violation of the FDCPA because : The collector threatened legal action ( \" suing me '' ) that they did not intend to take or could not legally take at that moment. \nThe collector failed to provide the required debt validation information. \nThe original company ( XXXX ) is in bankruptcy and failed to provide the services I was paying for, meaning the debt itself is in dispute due to breach of contract. \nI have a receipt for this transaction ( XXXX XXXX XXXX ) and am requesting a full refund of this payment and for the company to cease and desist all collection activities until they provide written validation of the debt.","date_sent_to_company":"2026-01-07T17:22:37.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"240XX","tags":null,"has_narrative":true,"complaint_id":"18234351","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"Williams, Rush & Associates, LLC","date_received":"2025-12-22T23:45:21.000Z","state":"VA","company_public_response":"Company believes complaint represents an opportunity for improvement to better serve consumers","sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["I believe this is a violation of the FDCPA because : The collector <em>threatened</em> <em>legal</em> <em>action</em> ( \" suing me '' ) that they did not intend to <em>take</em> or could not <em>legally</em> <em>take</em> at that moment. \nThe collector failed to provide the required debt validation information. \nThe original company ( XXXX ) is in <em>bankruptcy</em> and failed to provide the services I was paying for, meaning the debt itself is in dispute due to breach of contract."],"issue":["Took or threatened to <em>take</em> negative or <em>legal</em> <em>action</em>"]},"sort":[15.047597,"18234351"]},{"_index":"complaint-public-v1","_id":"9117148","_score":15.020584,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year> NAVY FEDERAL CREDIT UNION was served a cease and desist to release the unlawful freeze placed on my checking account. They refused to remove the freeze immediately which violates bankruptcy law. Because NAVY FEDERAL has failed to perform thier fiduciary and custodial duties have been caused great harm. I have been denied my rights as a natural person and consumer. I have been prevented from attending to my everyday course of business of household and personal needs. \n\nNAVY FEDERAL CREDIT UNION is guilty of aiding and abetting BROWNSTONE FUNDING and Attorney XXXX XXXX in attempting to make me a debt slave. They are in violation of the following codes due to their unlawful actions : 18 USC 1589 ( c ) ( 1 ) states : The term abuse or threatened abuse of law or legal process means the use or threatened use of a law or legal process, whether administrative, civil, or criminal, in any manner or for any purpose for which the law was not designed, in order to exert pressure on another person to cause that person to take some action or refrain from taking some action.\n\nNOTE 3 : 18 U.S. Code 1594 shows you that : ANYONE ATTEMPTING TO DO THIS, EVEN IF NOT SUCCESSFUL, WILL BE PUNISHED AS THOUGH THEY PULLED IT OFF. ALSO ANYONE WHO CONSPIRES TO DO THESE ACTIVITIES ARE JUST AS GUILTY AS THE PEOPLE GETTING FOUND GUILTY OF DOING IT.\n\n18 USC 1581 - Peonage ( debt slavery ) - {$500000.00} - up to 20 years in prison 18 USC 1584 - Involuntary Servitude - {$500000.00} - up to 20 years in prison 18 U.S. Code 1593A - Benefitting financially from peonage, slavery, and trafficking in persons ( ANYONE ON THE FRINGES WHO BENEFITS FROM THESE ACTIVITIES ) - anyone found guilty of this one are treated as guilty to the actual statutes in this section. NAVY FEDERAL benefits clearly from my securities entitlement account ( checking account ), but I as the beneficiary of this account am receiving no value in return and am being robbed of rights as a natural person to satisfy all of my household needs in my everyday course of business.\n\nThey are all in violation of the FDCPA.\n\n- 15 USC 1692b ( 2 ) - 15 USC 1692d ( 1 ) and ( 3 ) - 15 USC 1692 ( 3 ) due to Attorney XXXX XXXX can not be a debt collector nor can a debt collector be an attorney.\n\n- 15 USC 1692g - 15 USC 1692i ( 2 ) ( b ) due to the entire lawsuit and judgement being illegal because nothing says nor authorizes the bringing of legal actions by debt collectors.","date_sent_to_company":"2024-05-28T18:18:34.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"38654","tags":null,"has_narrative":true,"complaint_id":"9117148","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-05-28T17:16:06.000Z","state":"MS","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["They are in violation of the following codes due to their unlawful <em>actions</em> : 18 USC 1589 ( c ) ( 1 ) states : The term abuse or <em>threatened</em> abuse of law or <em>legal</em> process means the use or <em>threatened</em> use of a law or <em>legal</em> process, whether administrative, civil, or criminal, in any manner or for any purpose for which the law was not designed, in order to exert pressure on another person to cause that person to <em>take</em> some <em>action</em> or refrain from taking some <em>action</em>.\n\nNOTE 3 : 18 U.S."]},"sort":[15.020584,"9117148"]},{"_index":"complaint-public-v1","_id":"1402448","_score":14.466627,"_source":{"product":"Debt collection","complaint_what_happened":"I received a call from XXXX this person left a voicemail stating I had an outstanding debt with XXXX. He provided my birth date and the last XXXX of my SSI number. He said I needed to return the call or he would be taking legal action with the State of Idaho. \n\nHis exact words were \" Summons for the state of Idaho for theft of services-check fraud. You can contact the party directly to clear this up '' and left the number above. \n\nThat same day about XXXX minutes after I received this call my mother received a call. He told my mother his name was XXXX XXXX with the Idaho XXXX and that he was looking for me. He went on to say that I had a warrant out for my arrest and that it would be embarrassing if he had to pick me up at work. He gave my mother and name and number ( number listed above ) and told her I could resolve this by contacting that number. \n\nI called the warrants department in Idaho. I do not have a warrant out for my arrest. Also I did take a loan from XXXX several years ago. To my knowledge this was included in my bankruptcy. Regardless, this company is threatening and falsely representing itself. \n\nWhen you call the number above they refuse to provide any information about the so called officer or \" the account '' but want you to settle by giving them a debit card number.","date_sent_to_company":"2015-06-02T18:33:53.000Z","issue":"Taking/threatening an illegal action","sub_product":"Payday loan","zip_code":"83814","tags":null,"has_narrative":true,"complaint_id":"1402448","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"United Debt Holdings, LLC","date_received":"2015-06-02T18:33:52.000Z","state":"ID","company_public_response":null,"sub_issue":"Threatened arrest/jail if do not pay"},"highlight":{"complaint_what_happened":["Also I did <em>take</em> a loan from XXXX several years ago. To my knowledge this was included in my <em>bankruptcy</em>. Regardless, this company is <em>threatening</em> and falsely representing itself. \n\nWhen you call the number above they refuse to provide any information about the so called officer or \" the account '' but want you to settle by giving them a debit card number."],"issue":["Taking/threatening an illegal <em>action</em>"]},"sort":[14.466627,"1402448"]},{"_index":"complaint-public-v1","_id":"6575381","_score":14.4281845,"_source":{"product":"Debt collection","complaint_what_happened":"I write to request ( CFPB ) Consumer Finance Protection Bureau take enforcement action against the eight companies and persons ( FL Bar attorneys ) I report violating the laws related to Fair Debt Collection Practices Act ( FBCPA ), Bankruptcy Stay and Bankruptcy Discharged Debts Collections to remedy the harm to myself. \n\n\n\n\nI have unsuccessfully tried to fix the issue with each Creditor/ Servicer. Thus, on XX/XX/XXXX, I filed Eight ( 8 ) complaints individually with Consumer Financial Protection Bureau ( CFPB ). The complaints are filed separately, but they are all linked and dependent on each. In other words, it is a complaint to report collusion, corruption, abuse, ill-will related to the Florida Department of Economic Opportunity Homeowners Assistance Fund Program application I submitted on XX/XX/XXXX, the creditors, and their attorneys. \n\nI am reporting ( 8 ) Eight NON-DUPLICATE SEPARATE COMPLAINTS of unfair, deceptive, abusive, and law-breaking practices of eight companies involved in the process of my application submitted on XX/XX/XXXX to The Homeowner Assistance Fund ( HAF ) operated by The Florida Department of Economic Opportunity ( FL DEO ). toThe Homeowner Assistance Fund ( HAF ) operated by The Florida Department of Economic Opportunity ( FL DEO ). \n\n\" The Homeowner Assistance Fund ( HAF ) was established under Section 3206 of the American Rescue Plan Act ( the ARP ) of XXXX '' to provide \" financial assistance to Florida through the United States Department of the Treasury ( Treasury ). The purpose of the HAF is to mitigate financial hardships associated with the COVID-19 pandemic by preventing homeowners ' mortgage delinquencies, defaults, foreclosures, loss of utilities or home energy services, and displacement. The Florida Department of Economic Opportunity ( DEO or the Department ) has been designated to manage and operate the HAF on behalf of the state of Florida. '' The eight companies involved are breaking laws related to Fair Debt Collection Practices Act ( FBCPA ), Florida State Bankruptcy Stay, and Bankruptcy Discharged Debts Collections. The consequence of their collective unfair, deceptive, abusive practices from XX/XX/XXXX through today, XX/XX/XXXX, will result in homelessness and displacement due to homeowners ' mortgage delinquencies, defaults, and foreclosure, with unnecessary high legal fees. Confirmation eligibility and approval o\n\nf FL DEO HAF plan financial assistance was to mitigate loss. The eight companies involved I am submitting complaints for are : self vs. FL DEO Homeowner Assistance Fund  Plan selfvs. PNC BANK selfvs. LOGS Legal Group selfvs. Miami Management , Inc.\n\nselfvs. Becker & Poliakoff selfvs. K.W. Property Management & Consulting ( KWPMC ) selfvs. Association Law Group ( ALG ) selfvs. North Highland The Reason for the Complaints : Debt Collection The Type of Debt : Mortgage and Other debt related to homeownership ( Mortgage Payments, Homeowners Insurance, Homeowners Taxes, Homeowners Association Maintenance Fees, and Legal Fees ) The problems I am having : Attempts to collect debt not owed ( legal fees debt was discharged in bankruptcy ) Unresponsive Disputes in Writing to correct the amount owedafter debts were discharged in bankruptcy. \nFalse statements or representation ( trying to collect the wrong amount since including debts discharged in bankruptcy ). Also, charging legal fees during bankruptcy automatic stay period from XX/XX/XXXX to XX/XX/XXXX. \nTook or threatened to take negative or legal action ( threatened to sue, seize property, collect exempt funds, damage your life- make me homeless ). \n\nFL DEO, in writing and verbally, informed late XX/XX/XXXX I met the Prioritization Requirements of Eligible Homeowner : '' Qualified Financial Hardship '', \" Socially Disadvantage '', \" Tier 1 '', and \" FHA Loan '' and was approved to receive the maximum per household {$50000.00} financial assistance structured as a non-recoursegrant. \n\nI personally communicated in writing to all companies involved about notice of eligibility for the FL DEO HAF Program in late XX/XX/XXXX and XXXX XXXX Bankruptcy filed XX/XX/XXXX by Attorney in United States Bankruptcy Court - XXXX XXXX of Florida. \n\nI complied, and continue to comply, with the requirement \" The homeowner must provide all necessary documentation to satisfy program guidelines within timeframes established by DEO, including self-certification or attestation of income and Socially Disadvantaged Individual status, as applicable. \n\nMoreover, in XXXX, a FL DEO Case Manager Supervisor asked me to grant authorization to speak directly with the creditors/servicers. In addition to being actively involved, I delivered on the request in writing and informed all parties involved of the approval in hopes of expediting the payment disbursements. \n\nKey dates I submitted complete sets of ( a ) Mortgage Reinstatement Letter, ( b ) MASTER Homeowner Association Payoff Letter, and ( c ) XXXX XXXX XXXX XXXX Payoff Letter, as requested by FL DEO HAF : ( 1st set ) XX/XX/XXXX - valid thru the end of XXXX figures ( 2nd set ) XX/XX/XXXX - valid thru the end of XXXX figures ( 3rd set ) XX/XX/XXXX - valid thru the end of XXXX figures ( 4th set ) XX/XX/XXXX - valid thru the end of XXXX figures ( 5th set ) XX/XX/XXXX - valid thru the end of XXXX figures ( 6th set ) XX/XX/XXXX - valid thru the end of XXXX figures amount is below {$50000.00} The 6th set of Mortgage Reinstatement and Payoff Letters TOTAL AMOUNT for FL DEO is {$47000.00} FL DEO HAF Please pay as follows : {$39000.00} XXXX XXXX XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \n{$47000.00} XXXX  XXXX FL DEO, as of today, XX/XX/XXXX, has yet to disburse Mortgage Assistance Program payments for mortgage loans, property taxes, insurance, HOA 's ( Homeowner Association ) maintenance fees, including applicable late charges, directly to lenders, loan servicers, or HOA 's. \n\nThe delay since XX/XX/XXXX resulted in the attorney 's representing each Creditor billing excessively despite being protected by the BANKRUPTCY AUTOMATIC STAY period knowing the property was exempt. I filed requests to dispute the legal fees and was not receiving responses to grievance and legal fees disputes. Thus, legal fees were included and discharged in the Bankruptcy. \n\nAfter XX/XX/XXXX, Bankruptcy Discharge, I asked the three attorneys to provide separate letters : Mortgage Reinstatement Letter and SEPARATE Detailed Legal Charges Invoice. Likewise, I asked for each Condo Homeowner Association Payoffs Letters and SEPARATE Detailed Legal Charges Invoices. That is, I requested SEPARATE Mortgage Reinstatement Letter, Condo HOA 's Payoffs Letters, and Detailed Legal Fees separate XXXX XXXX, XXXX, and XXXX XXXX  XXXX. All three Legal firms declined. They stated they will not separate the legal fees charges, nor provide Detailed Legal Invoices with Date, Description, Amount, etc. despite having Bankruptcy Court Discharge Document. \n\nAlthough XXXX XXXX, XXXX XXXX  XXXX, and ( XXXX ) XXXX XXXX XXXX acknowledge receiving from me the Court 's Bankruptcy Discharge file, all attorneys have declined to provide separate detailed invoices. The attorneys representing the creditors are attempting to collect the wrong amount. Legal Fees debts were discharged and are no longer owed. \n\nBy denying the request for separate Letters and Invoices, the amount exceeds {$50000.00}. \n\nMoreover, FL DEO HAF Case Manager Supervisor for Foreclosure Properties are not cooperating to move application to completion after, as per their request, I authorized in XX/XX/XXXX to communicate with the creditors and their attorney directly. I continue to be actively involved in writing, but I am unsuccessful in speaking with the Case Managers Supervisors. Despite my timely and complete submission of the documentation requested, I am at risk of homelessness.","date_sent_to_company":"2023-07-17T15:00:10.000Z","issue":"Attempts to collect debt not owed","sub_product":"Mortgage debt","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"6575381","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NORTH HIGHLAND HOLDING COMPANY LLC, THE","date_received":"2023-02-15T21:16:34.000Z","state":"FL","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["False statements or representation ( trying to collect the wrong amount since including debts discharged in <em>bankruptcy</em> ). Also, charging <em>legal</em> fees during <em>bankruptcy</em> automatic stay period from XX/XX/XXXX to XX/XX/XXXX. \nTook or <em>threatened</em> to <em>take</em> negative or <em>legal</em> <em>action</em> ( <em>threatened</em> to sue, seize property, collect exempt funds, damage your life- make me homeless )."],"sub_issue":["Debt was already discharged in <em>bankruptcy</em> and is no longer owed"]},"sort":[14.4281845,"6575381"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":155,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":155}]}},"product":{"doc_count":155,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":59,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":21},{"key":"Mortgage debt","doc_count":11},{"key":"Auto debt","doc_count":4},{"key":"I do not 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mortgage","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":11,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":11}]}},{"key":"Student loan","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Private student loan","doc_count":2},{"key":"Federal student loan servicing","doc_count":1},{"key":"Non-federal student loan","doc_count":1}]}},{"key":"Vehicle loan or lease","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Lease","doc_count":2},{"key":"Loan","doc_count":2}]}},{"key":"Checking or savings account","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":2}]}},{"key":"Credit card or prepaid card","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":2}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":1}]}},{"key":"Payday loan, title loan, or personal loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal line of credit","doc_count":1}]}},{"key":"Payday loan, title loan, personal loan, or advance loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Personal line of credit","doc_count":1}]}}]}},"issue":{"doc_count":155,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Incorrect information on your 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