{"took":319,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":213,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"1516449","_score":17.78544,"_source":{"product":"Mortgage","complaint_what_happened":"Wells Fargo Home Mortgage charged an inspection fee ( for an unknown reason ) in XX/XX/XXXX, North Carolina law had some requirements about fees such as this that Wells Fargo failed to comply with. Around XX/XX/XXXX Wells Fargo mailed a check for the amount of the inspection along with an explanation that they where refunding the amount of the inspection to get them in compliance of this law. \nWells Fargo charged interest on this amount for many years although they did not refund any of the interest and upon requesting they do so they said they do not offer any interest on fees collected in error, their error ( or non compliance ). \nObviously this company will not loan money at 0 % interest nor should I, they had the money for 7 years to do what they wanted to. \nNow because they sent a check they fee as if this brings them in compliance, obviously it does n't, if a person gets a speeding ticket because they where driving above the posted legal limit but prior to and after that complies with the law thereafter this does not absolve them of their non compliance with the law, that being said, Wells Fargo Home Mortgage must be required to tender payment for the amount of the non compliance along with interim interest from the date of their non compliance to the date of payment in full. \nThis does not absolve them of any fines for violating the state law, it does relieve them from any legal action I may bring against them. \nI will table this matter for 30 days or until XX/XX/XXXX whichever comes later, if they have not tendered payment in full I will take swift legal action, it is in their bet interest to resolve this matter as I will advise my council to request any legal action that may be taken to include a request to have the matter considers a class action.","date_sent_to_company":"2015-08-12T19:57:33.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"FHA mortgage","zip_code":"29708","tags":null,"has_narrative":true,"complaint_id":"1516449","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2015-08-12T19:57:33.000Z","state":"SC","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I will table this <em>matter</em> for 30 days or <em>until</em> XX/XX/<em>XXXX</em> whichever comes later, if they have not tendered payment in full I will take swift legal action, it is in their bet interest to <em>resolve</em> this <em>matter</em> as I will advise my council to request any legal action that may be taken to include a request to have the <em>matter</em> <em>considers</em> a class action."]},"sort":[17.78544,"1516449"]},{"_index":"complaint-public-v1","_id":"21491306","_score":16.694063,"_source":{"product":"Debt collection","complaint_what_happened":"As of XX/XX/XXXX, I have still not received the requested debt verification letter at my mailing address, despite multiple assurances from your representatives that it would be sent. This a follow up complaint not a duplicate that JP Morgan unquestionably lied over a letter being sent to my address on file. \n\nI am requesting a clear explanation of the following : XXXX. Why my original dispute was accepted but subsequently denied, despite your own representative confirming that my stated reason breach of terms and conditions was valid per your own representative statement it was a legal claim. \nXXXX. Why false or misleading statements were made in your prior response to my CFPB complaint. \nXXXX. Why I continue to receive repeated phone calls multiple times per day, despite clearly stating that I do not wish to be contacted until proper debt verification has been provided. \n\nTo be clear : * My attorney retrieved my mail at XXXX AM on XX/XX/XXXX, and no verification letter was received. \n* I have made multiple good-faith efforts to resolve this matter, but have only received repeated assurances without follow-through. \n\nUntil a proper debt validation letter is provided in compliance with applicable law, I consider this debt to be legally defective and disputed. I will not make any payments until verification has been properly delivered. \n\nAdditionally, continued contact without fulfilling your legal obligation to validate the debt may constitute harassment and a violation of federal law. \n\nI expect prompt resolution of this matter and the letter to be delivered to me per law within the next week. \n\nBest, XXXX XXXX","date_sent_to_company":"2026-04-22T18:01:49.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"21491306","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2026-04-22T17:52:39.000Z","state":null,"company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["* I have made multiple good-faith efforts to <em>resolve</em> this <em>matter</em>, but have only received repeated assurances without follow-through. \n\n<em>Until</em> a proper debt validation letter is provided in <em>compliance</em> with applicable law, I <em>consider</em> this debt to be legally defective and disputed. I will not make any payments <em>until</em> verification has been properly delivered."]},"sort":[16.694063,"21491306"]},{"_index":"complaint-public-v1","_id":"9926509","_score":16.688242,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Cease and Desist Demand and Dispute of Repossession Action [ Account Number - XXXX Dear XXXX XXXX XXXX, I am writing to formally dispute the debt referenced above, which you claim I owe, and to challenge the legality of the recent or pending repossession action related to this account. \n\nI request that you provide immediate validation of this debt, including the following : XXXX. The total amount claimed as owed, including any interest, fees, and penalties. \nXXXX. The original contract or agreement that outlines the terms of the debt, including my signature. \nXXXX. A detailed explanation of how the debt amount was calculated. \nXXXX. Documentation showing that the debt is still enforceable, including the chain of custody or assignment of the debt if it has been sold or transferred. \nXXXX. Proof of compliance with all relevant state and federal laws concerning the repossession, including notice requirements and timelines. \n\nUntil I receive full validation of this debt, I consider this debt to be in dispute, and I do not acknowledge any obligation to pay it. \n\nFurthermore, under XXXX XXXX. XXXX ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you cease all communication with me regarding this alleged debt and repossession. This includes phone calls, letters, emails, or any other form of contact. The only exception to this demand is communication required by law, such as providing the validation of the debt as requested above. \n\nPlease be advised that failure to comply with this cease and desist demand, or to provide the requested documentation, may result in legal action being taken against your company for any damages I XXXX suffer as a result of your actions. \n\nI expect your immediate compliance with this demand and that all collection and repossession activities cease until this matter is fully resolved. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-08-26T19:51:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"186XX","tags":null,"has_narrative":true,"complaint_id":"9926509","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-26T19:46:36.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Please be advised that failure to comply with this cease and desist demand, or to provide the requested documentation, may result in legal action being taken against your company for any damages I <em>XXXX</em> suffer as a result of your actions. \n\nI expect your immediate <em>compliance</em> with this demand and that all collection and repossession activities cease <em>until</em> this <em>matter</em> is fully <em>resolved</em>. \n\nThank you for your prompt attention to this <em>matter</em>."]},"sort":[16.688242,"9926509"]},{"_index":"complaint-public-v1","_id":"11886980","_score":16.670143,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> Equifax Equifax Information Services, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Subject : Formal Dispute and Notice of Civil Liability for Negligent Non-Compliance Under 15 U.S.C. 1681o To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report and to bring to your attention your failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which holds parties liable for negligent non-compliance. \n\nUpon reviewing my credit report, I discovered the following inaccurate or misleading information : All accounts, I previously disputed these inaccuracies but have yet to receive a proper response or corrective action. Under the FCRA, credit reporting agencies and furnishers of information are required to reasonably investigate disputed information and correct any inaccuracies. Your failure to do so constitutes negligence and has caused me financial harm, including but not limited to : Denial of credit/loan/housing/employment Increased interest rates Emotional distress and damage to my reputation Pursuant to 15 U.S.C. 1681o, you may be held civilly liable for these negligent violations, including actual damages sustained as a result of your non-compliance, attorneys fees, and court costs.\n\nTo resolve this matter, I demand that you : Immediately investigate and correct the disputed information in compliance with the FCRA. \nProvide a written explanation of the investigation results within the required timeframe. \nCease reporting the disputed information until verification is properly conducted. \nIf you fail to take corrective action within the legally required timeframe, I am prepared to pursue legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for damages. \n\nPlease consider this letter a final attempt to resolve this matter amicably. I expect a response within 30 days of receipt of this letter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-01T16:20:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"356XX","tags":null,"has_narrative":true,"complaint_id":"11886980","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-01T15:44:23.000Z","state":"AL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please <em>consider</em> this letter a final attempt to <em>resolve</em> this <em>matter</em> amicably. I expect a response within 30 days of receipt of this letter. \n\nSincerely, <em>XXXX</em> <em>XXXX</em>"]},"sort":[16.670143,"11886980"]},{"_index":"complaint-public-v1","_id":"11890436","_score":16.657162,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> Equifax Equifax Information Services, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Subject : Formal Dispute and Notice of Civil Liability for Negligent Non-Compliance Under 15 U.S.C. 1681o To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report and to bring to your attention your failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which holds parties liable for negligent non-compliance. \n\nUpon reviewing my credit report, I discovered the following inaccurate or misleading information : All accounts, I previously disputed these inaccuracies but have yet to receive a proper response or corrective action. Under the FCRA, credit reporting agencies and furnishers of information are required to reasonably investigate disputed information and correct any inaccuracies. Your failure to do so constitutes negligence and has caused me financial harm, including but not limited to : Denial of credit/loan/housing/employment Increased interest rates Emotional distress and damage to my reputation Pursuant to 15 U.S.C. 1681o, you may be held civilly liable for these negligent violations, including actual damages sustained as a result of your non-compliance, attorneys fees, and court costs.\n\nTo resolve this matter, I demand that you : Immediately investigate and correct the disputed information in compliance with the FCRA. \nProvide a written explanation of the investigation results within the required timeframe. \nCease reporting the disputed information until verification is properly conducted. \nIf you fail to take corrective action within the legally required timeframe, I am prepared to pursue legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for damages. \n\nPlease consider this letter a final attempt to resolve this matter amicably. I expect a response within 30 days of receipt of this letter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-01T16:20:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"356XX","tags":null,"has_narrative":true,"complaint_id":"11890436","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-01T16:20:12.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Please <em>consider</em> this letter a final attempt to <em>resolve</em> this <em>matter</em> amicably. I expect a response within 30 days of receipt of this letter. \n\nSincerely, <em>XXXX</em> <em>XXXX</em>"]},"sort":[16.657162,"11890436"]},{"_index":"complaint-public-v1","_id":"9926441","_score":16.571722,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Cease and Desist Demand and Dispute of Repossession Action [ Account Number - XXXX Dear XXXX XXXX XXXX, I am writing to formally dispute the debt referenced above, which you claim I owe, and to challenge the legality of the recent or pending repossession action related to this account.\n\nI request that you provide immediate validation of this debt, including the following : 1. The total amount claimed as owed, including any interest, fees, and penalties.\n2. The original contract or agreement that outlines the terms of the debt, including my signature.\n\n3. A detailed explanation of how the debt amount was calculated.\n\n4. Documentation showing that the debt is still enforceable, including the chain of custody or assignment of the debt if it has been sold or transferred.\n\n5. Proof of compliance with all relevant state and federal laws concerning the repossession, including notice requirements and timelines.\n\nUntil I receive full validation of this debt, I consider this debt to be in dispute, and I do not acknowledge any obligation to pay it.\n\nFurthermore, under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you cease all communication with me regarding this alleged debt and repossession. This includes phone calls, letters, emails, or any other form of contact. The only exception to this demand is communication required by law, such as providing the validation of the debt as requested above.\n\nPlease be advised that failure to comply with this cease and desist demand, or to provide the requested documentation, may result in legal action being taken against your company for any damages I may suffer as a result of your actions.\n\nI expect your immediate compliance with this demand and that all collection and repossession activities cease until this matter is fully resolved.\n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-08-26T19:53:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"186XX","tags":null,"has_narrative":true,"complaint_id":"9926441","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-08-26T19:53:09.000Z","state":"PA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I expect your immediate <em>compliance</em> with this demand and that all collection and repossession activities cease <em>until</em> this <em>matter</em> is fully <em>resolved</em>.\n\nThank you for your prompt attention to this <em>matter</em>."]},"sort":[16.571722,"9926441"]},{"_index":"complaint-public-v1","_id":"9914589","_score":16.564615,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Re : Cease and Desist Demand and Dispute of Repossession Action [ Account Number - XXXX Dear XXXX XXXX XXXX, I am writing to formally dispute the debt referenced above, which you claim I owe, and to challenge the legality of the recent or pending repossession action related to this account. \n\nI request that you provide immediate validation of this debt, including the following : 1. The total amount claimed as owed, including any interest, fees, and penalties.\n\n2. The original contract or agreement that outlines the terms of the debt, including my signature.\n\n3. A detailed explanation of how the debt amount was calculated.\n\n4. Documentation showing that the debt is still enforceable, including the chain of custody or assignment of the debt if it has been sold or transferred.\n\n5. Proof of compliance with all relevant state and federal laws concerning the repossession, including notice requirements and timelines. \n\nUntil I receive full validation of this debt, I consider this debt to be in dispute, and I do not acknowledge any obligation to pay it.\n\nFurthermore, under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you cease all communication with me regarding this alleged debt and repossession. This includes phone calls, letters, emails, or any other form of contact. The only exception to this demand is communication required by law, such as providing the validation of the debt as requested above.\n\nPlease be advised that failure to comply with this cease and desist demand, or to provide the requested documentation, may result in legal action being taken against your company for any damages I may suffer as a result of your actions.\n\nI expect your immediate compliance with this demand and that all collection and repossession activities cease until this matter is fully resolved.\n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2024-08-26T19:53:38.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"186XX","tags":null,"has_narrative":true,"complaint_id":"9914589","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-08-26T19:53:09.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I expect your immediate <em>compliance</em> with this demand and that all collection and repossession activities cease <em>until</em> this <em>matter</em> is fully <em>resolved</em>.\n\nThank you for your prompt attention to this <em>matter</em>."]},"sort":[16.564615,"9914589"]},{"_index":"complaint-public-v1","_id":"20510061","_score":16.42933,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Formal dispute of unauthorized charge and credit reporting. \n\nI am writing to formally dispute a charge that has been reported to my account/ charge off and subsequently reported to the credit bureaus with sufficient validation or proper documentation. \n\n\nI have no record or knowledge of this alleged obligation, and to date, I have not received any verifiable proof that substanties theses slanderous charges. Reporting an account to the credit bureaus without providing adequate documentations or validations raises serious concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. \n\n\nAt this time for the second time, I am requesting the following. \n\nXXXX. Full validation of the alleged debt, including original creditor information, account and any signed agreements bearing my authorization. \n\nXXXX. Documents proving that XXXX group has the legal right to collect on this account XXXX. Immediate removal of this account from all credit reporting agencies if proper validation can not be provided. \n\n\nPlease be advise that until this matter is resolved, I consider this account to be in dispute. Continued reporting of unverified information may constitute a violation of federal law.","date_sent_to_company":"2026-04-16T19:23:31.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"20510061","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nexum Group Inc","date_received":"2026-03-23T17:21:20.000Z","state":"FL","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Documents proving that <em>XXXX</em> group has the legal right to collect on this account <em>XXXX</em>. Immediate removal of this account from all credit reporting agencies if proper validation can not be provided. \n\n\nPlease be advise that <em>until</em> this <em>matter</em> is <em>resolved</em>, I <em>consider</em> this account to be in dispute. Continued reporting of unverified information may constitute a violation of federal law."]},"sort":[16.42933,"20510061"]},{"_index":"complaint-public-v1","_id":"12914618","_score":15.964543,"_source":{"product":"Debt collection","complaint_what_happened":"I hope this letter finds you well. I am writing to formally dispute XXXX medical collection accounts associated with my name that have been reported to your agency. I believe that these accounts are in violation of my rights under the Health Insurance Portability and Accountability Act ( HIPAA ). Specifically, I am concerned that my protected health information was disclosed without my consent and that these collections may not be accurate representations of my outstanding medical balances. Due to the potential violation of my HIPAA rights, I request the following : I request an explanation of how you are handling my medical information in compliance with HIPAA regulations. Please clarify how my information was shared and the specific authorizations obtained to disclose such information. Until this dispute is resolved and the terms of my HIPAA rights are clarified, I request that you cease reporting these accounts to credit bureaus. Please consider this letter a formal dispute according to the Fair Debt Collection Practices Act ( FDCPA ) and HIPAA. I expect a timely response within XXXX  days from the date of this letter, as required by law. \n\nThank you for your attention to this matter. I look forward to your prompt response.","date_sent_to_company":"2025-04-10T17:46:48.000Z","issue":"Threatened to contact someone or share information improperly","sub_product":"Medical debt","zip_code":"32301","tags":null,"has_narrative":true,"complaint_id":"12914618","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Elevate Recoveries, LLC","date_received":"2025-04-10T17:29:53.000Z","state":"FL","company_public_response":null,"sub_issue":"Talked to a third-party about your debt"},"highlight":{"complaint_what_happened":["Please <em>consider</em> this letter a formal dispute according to the Fair Debt Collection Practices Act ( FDCPA ) and HIPAA. I expect a timely response within <em>XXXX</em>  days from the date of this letter, as required by law. \n\nThank you for your attention to this <em>matter</em>. I look forward to your prompt response."]},"sort":[15.964543,"12914618"]},{"_index":"complaint-public-v1","_id":"13995368","_score":15.672446,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"This is the original letter sent to via certified mail to Affirm and via their email address All I want is a payment plan that affordable as set below due to my current XXXX Date : [ XX/XX/year> ] To Whom It May Concern, I am writing to formally request a hardship payment plan regarding my Affirm account, for which the outstanding balance is {$4600.00}. \nUntil XX/XX/year>, I maintained a perfect payment history and was a responsible Affirm customer. Unfortunately, in XX/XX/year>, I was hospitalized and diagnosed with a life-altering XXXX. Since then, I have been unable to work and now rely solely on a fixed monthly XXXX income of {$940.00}. \nDue to these unforeseen and permanent changes to my health and financial circumstances, I respectfully request that Affirm consider the following payment plan : Proposed Payment Plan : Monthly Payment : {$150.00} Term : XXXX months Paid on XXXX Every Month ( This is my XXXX pay date ) This amount is the maximum I can afford under my current financial situation. I am committed to repaying the debt and want to work directly with Affirm to resolve this matter responsibly. I am requesting that this plan be set up through the Affirm app to allow me to make the monthly payments promptly. \nAdditionally, I request the following : Suspension of negative reporting to credit bureaus while the plan is in good standing Removal of any current derogatory marks from credit report bureaus No collection activity while this plan is active and in compliance Please understand this letter is a formal attempt to resolve my obligations. If no agreement is reached, I may be left with no option but to pursue XXXX XXXX bankruptcy. As you are aware, this XXXX result in the discharge of this unsecured debt. I am making every effort to avoid that outcome and to ensure Affirm is repaid in full under fair terms. \nThis message serves as notification that I will be making XXXX additional attempts to address and correct the debt currently reported under my name. These will constitute my final outreach efforts to resolve this matter directly with Affirm. \nShould I not receive a response or resolution after these attempts, I will pursue removal of any negative credit entries through the credit bureaus directly, as permitted by law. \nAdditionally, I have submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ) and requested their assistance in helping reach a fair resolution. I sincerely hope Affirm will consider responding in a timely and compassionate manner to prevent further hardship. \nI have also sent a message to customercare @ affirm.com Thank you for your attention to this matter. I look forward to your response. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-06-10T19:14:34.000Z","issue":"Struggling to pay your loan","sub_product":"Installment loan","zip_code":"729XX","tags":null,"has_narrative":true,"complaint_id":"13995368","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Affirm Holdings, Inc","date_received":"2025-06-10T19:08:58.000Z","state":"AR","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I sincerely hope Affirm will <em>consider</em> responding in a timely and compassionate manner to prevent further hardship. \nI have also sent a message to customercare @ affirm.com Thank you for your attention to this <em>matter</em>. I look forward to your response. \n\nSincerely, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>"]},"sort":[15.672446,"13995368"]},{"_index":"complaint-public-v1","_id":"14840789","_score":15.166367,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon viewing my XX/XX/XXXX consumer report, I became aware of Citi Bank 's reporting of inaccurate, private, personal, and excluded information related to me to the XXXX party, non affiliated entity named XXXX. I saw on my consumer profile the inaccurate reporting of a XXXX day late payment for XX/XX/XXXX. This information was terribly wrong, so I wrote to Citi Bank a dispute for the reporting of any late payment. \n\nTheir reporting has caused me to question their accounting and the validity of the debt so in the dispute notice I asked for debt validation, for them to update their reporting to remove the late payment they are furnishing to my consumer profile, to provide the documentation required to have any payment considered as \" late '', a full and complete audit on the accounting of the account, for them to stop all debt collection attempts and negative reporting until they send debt validation and proof of compliance as requested. \n\nIt is well over 30 days and i still have not received debt validation and the required documentation and proof needed to consider any payment as late. Citi Bank continues to inaccurately report negative information onto my consumer profiles and they have not sent me debt and late payment validation as required by law. \n\nThe negative and inaccurate reporting of Citi Bank has caused me and my family a great deal of physical, mental, emotional, and financial hardship. I need assistance with correcting and resolving this matter.","date_sent_to_company":"2025-07-23T16:52:29.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11411","tags":null,"has_narrative":true,"complaint_id":"14840789","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2025-07-23T16:37:29.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I need assistance with correcting and <em>resolving</em> this <em>matter</em>."]},"sort":[15.166367,"14840789"]},{"_index":"complaint-public-v1","_id":"11468182","_score":15.023005,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XX/XX/XXXX credit collection services ] XXXX XXXX XXXX XXXX, MA XXXX Formal Complaint Regarding Unlawful Debt Collection Practices and Identity Theft To Whom It XXXX Concern, I am writing to formally notify your agency of my concerns regarding your attempts to collect an alleged debt that XXXX be connected to identity theft. Your actions raise serious legal concerns under both federal and state laws, including the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and related consumer protection statutes. \nNotification of Identity Theft This alleged debt appears to be the result of fraudulent activity. I have filed an identity theft report to address this matter. Enclosed, you will find a copy of the report, which I submitted to XXXX, XXXX, XXXX and the CFPB XXXX of XXXX matter was resolved XXXX of XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681m, I am exercising my right to dispute this debt and demand that you cease all collection activities immediately until a thorough investigation is completed. \nAlleged Violations by Your Agency Your agency has engaged in conduct that appears to violate applicable laws, including but not limited to : [ Violation Example XXXX ] : [ E.g., \" Contacting me repeatedly despite being notified of a dispute regarding the alleged debt. '' ] [ Violation Example XXXX ] : [ E.g., \" Failing to provide validation of the debt within XXXX days of initial contact, as required by FDCPA Section 809 ( a ). '' ] [ Violation Example XXXX ] : [ E.g., \" Reporting the alleged debt to credit reporting agencies despite knowledge of a resolved dispute, contrary to FCRA Section 623 ( a ) ( XXXX ). '' ] I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure your actions are reviewed for compliance with applicable laws. If the matter is not resolved promptly, I will also consider filing complaints with my state Attorney Generals Office and pursuing legal action if necessary. \nXXXX Actions Requested To resolve this matter, I request that you : credit collection agency Cease all collection activities regarding the alleged debt. \nInvestigate the validity of the debt, considering the enclosed identity theft report. \nProvide written confirmation that the debt has been removed from your records and any reporting agencies. \nEnsure compliance with FCRA and FDCPA in all future communications and actions. \nPreservation of Evidence Please retain all records, communications, and documentation related to this matter. These XXXX be required for regulatory investigations or legal proceedings. \nI expect a written response within [ reasonable time, e.g., 15 days ] of receipt of this letter. Failure to comply with these requests will leave me with no option but to pursue further legal and regulatory remedies. \nThank you for your immediate attention to this matter. \nSincerely, XXXX XXXX Enclosures : Identity Theft Report number XXXX All supporting documentation, will be attached along FTC report numbers","date_sent_to_company":"2025-01-10T18:59:30.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"77407","tags":null,"has_narrative":true,"complaint_id":"11468182","timely":"No","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2025-01-10T18:39:43.000Z","state":"TX","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":["I have filed an identity theft report to address this <em>matter</em>. Enclosed, you will find a copy of the report, which I submitted to <em>XXXX</em>, <em>XXXX</em>, <em>XXXX</em> and the CFPB <em>XXXX</em> of <em>XXXX</em> <em>matter</em> was <em>resolved</em> <em>XXXX</em> of <em>XXXX</em> Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681m, I am exercising my right to dispute this debt and demand that you cease all collection activities immediately <em>until</em> a thorough investigation is completed."]},"sort":[15.023005,"11468182"]},{"_index":"complaint-public-v1","_id":"12485538","_score":14.397135,"_source":{"product":"Credit card","complaint_what_happened":"Subject : XX/XX/year> Cease and Desist Notice Regarding Alleged Debt Request for Debt Validation To Whom It May Concern, This letter is a formal demand that you cease all communication with me regarding the alleged debt referenced in your correspondence, pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). \nI do not acknowledge any liability for this debt. Under federal law, you are required to provide proper validation of the debt, including but not limited to : XXXX. The original creditor 's name and address. \nXXXX. A copy of the original signed contract or agreement ( if applicable ). \nXXXX. An itemized statement of the amount claimed, including principal, interest, fees, and any other charges. \nXXXX. Verification that you are legally authorized to collect this debt. \nXXXX. Chain of title or assignment XXXX. XXXXorward Flow Agreement Until this information is provided, you must cease all collection activities, including phone calls, letters, or reporting this debt to any credit reporting agency. Failure to comply with this request may result in legal action against your company for violations of the FDCPA. \nAdditionally, I demand that you cease all further communication with me regarding this matter, except for the required written validation of the debt. Any further attempts to contact me outside of compliance with 15 U.S.C. 1692c will be considered harassment and a violation of my rights under federal law.\n\nIf you believe this debt is valid, you must provide the requested verification within 30 days from the date of this letter. If you fail to do so, I will consider this matter resolved and will take necessary steps to enforce my rights under the FDCPA, including reporting your violations to the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General. \nThis letter serves as official notice under federal law. Please govern yourself accordingly.","date_sent_to_company":"2025-03-14T18:20:48.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"92071","tags":null,"has_narrative":true,"complaint_id":"12485538","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Radius Global Solutions LLC","date_received":"2025-03-14T18:18:24.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Privacy issues"},"highlight":{"complaint_what_happened":["If you fail to do so, I will <em>consider</em> this <em>matter</em> <em>resolved</em> and will take necessary steps to enforce my rights under the FDCPA, including reporting your violations to the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General. \nThis letter serves as official notice under federal law. Please govern yourself accordingly."]},"sort":[14.397135,"12485538"]},{"_index":"complaint-public-v1","_id":"21665085","_score":14.153857,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am submitting this complaint against Westlake Financial Services for multiple violations of federal law, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), arising from inaccurate credit reporting, failure to maintain correct identifying information, and continued collection activity on a disputed account following the wrongful repossession of my vehicle. Westlake Financial is reporting inaccurate information to credit reporting agencies, including an incorrect account balance. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ), furnishers are required to provide accurate information and to conduct a reasonable investigation upon notice of a dispute. The continued reporting of false or unverified information constitutes a violation of these provisions and has caused harm to my credit profile. Additionally, my name is being reported incorrectly by Westlake Financial. This reflects a failure to follow reasonable procedures to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). Maintaining and reporting incorrect identifying information further calls into question the integrity of all data associated with this account. Despite my dispute of this account, Westlake Financial continues to engage in collection activity. Under the Fair Debt Collection Practices Act, including 15 U.S.C. 1692g ( b ), once a debt is disputed, collection efforts must cease until proper validation is provided. Continued attempts to collect without resolving the dispute may also constitute unfair or deceptive practices under 15 U.S.C. 1692e and 1692f. Furthermore, the repossession of my vehicle is disputed and appears to have been conducted wrongfully. Any balance being pursued following an improper repossession is itself invalid and must be fully investigated before any further collection activity occurs. To resolve this matter, I demand the following : 1. Immediate correction or deletion of all inaccurate information reported to credit reporting agencies, including the account balance and proper spelling of my name, in compliance with 15 U.S.C. 1681s-2.\n\n2. A complete and documented investigation into my dispute, including all records relied upon to verify the debt.\n\n3. Full validation of the alleged debt in accordance with 15 U.S.C. 1692g, including a detailed accounting of the balance.\n\n4. Immediate cessation of all collection activity until the dispute is fully resolved.\n\n5. Written confirmation that all corrections have been made and that any inaccurate information has been removed from my credit file.\n\n6. Documentation supporting the legality of the repossession, including notice and compliance with applicable state and federal laws.\n\nIf these violations are not corrected promptly, I am prepared to pursue all available remedies, including filing claims for statutory and actual damages under 15 U.S.C. 1681n, 1681o, and 1692k. I will also consider pursuing this matter through legal counsel.\n\nI expect a timely and lawful response to this complaint. \n\nSincerely, XXXX XXXX Account Number XXXX -- -.","date_sent_to_company":"2026-04-28T14:09:17.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"27886","tags":null,"has_narrative":true,"complaint_id":"21665085","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2026-04-28T13:53:29.000Z","state":"NC","company_public_response":null,"sub_issue":"Loan balance remaining after the vehicle is repossessed and sold"},"highlight":{"complaint_what_happened":["I will also <em>consider</em> pursuing this <em>matter</em> through legal counsel.\n\nI expect a timely and lawful response to this complaint. \n\nSincerely, <em>XXXX</em> <em>XXXX</em> Account Number <em>XXXX</em> -- -."]},"sort":[14.153857,"21665085"]},{"_index":"complaint-public-v1","_id":"12487748","_score":14.068227,"_source":{"product":"Credit card","complaint_what_happened":"Subject : XX/XX/2025 Cease and Desist Notice Regarding Alleged Debt Request for Debt Validation To Whom It May Concern, This letter is a formal demand that you cease all communication with me regarding the alleged debt referenced in your correspondence, pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). \nI do not acknowledge any liability for this debt. Under federal law, you are required to provide proper validation of the debt, including but not limited to : 1. The original creditor 's name and address.\n\n2. A copy of the original signed contract or agreement ( if applicable ).\n\n3. An itemized statement of the amount claimed, including principal, interest, fees, and any other charges.\n\n4. Verification that you are legally authorized to collect this debt.\n\n5. Chain of title or assignment 6. Forward Flow Agreement Until this information is provided, you must cease all collection activities, including phone calls, letters, or reporting this debt to any credit reporting agency. Failure to comply with this request may result in legal action against your company for violations of the FDCPA. \nAdditionally, I demand that you cease all further communication with me regarding this matter, except for the required written validation of the debt. Any further attempts to contact me outside of compliance with 15 U.S.C. 1692c will be considered harassment and a violation of my rights under federal law. \nIf you believe this debt is valid, you must provide the requested verification within 30 days from the date of this letter. If you fail to do so, I will consider this matter resolved and will take necessary steps to enforce my rights under the FDCPA, including reporting your violations to the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General. \nThis letter serves as official notice under federal law. Please govern yourself accordingly.","date_sent_to_company":"2025-03-14T17:21:54.000Z","issue":"Improper use of your report","sub_product":"General-purpose credit card or charge card","zip_code":"92071","tags":null,"has_narrative":true,"complaint_id":"12487748","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2025-03-14T17:13:42.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["If you fail to do so, I will <em>consider</em> this <em>matter</em> <em>resolved</em> and will take necessary steps to enforce my rights under the FDCPA, including reporting your violations to the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General. \nThis letter serves as official notice under federal law. Please govern yourself accordingly."]},"sort":[14.068227,"12487748"]},{"_index":"complaint-public-v1","_id":"12485514","_score":14.059962,"_source":{"product":"Credit card","complaint_what_happened":"Subject : XX/XX/ Cease and Desist Notice Regarding Alleged Debt Request for Debt Validation To Whom It May Concern, This letter is a formal demand that you cease all communication with me regarding the alleged debt referenced in your correspondence, pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). \nI do not acknowledge any liability for this debt. Under federal law, you are required to provide proper validation of the debt, including but not limited to : 1. The original creditor 's name and address.\n\n2. A copy of the original signed contract or agreement ( if applicable ).\n\n3. An itemized statement of the amount claimed, including principal, interest, fees, and any other charges.\n\n4. Verification that you are legally authorized to collect this debt.\n\n5. Chain of title or assignment 6. Forward Flow Agreement Until this information is provided, you must cease all collection activities, including phone calls, letters, or reporting this debt to any credit reporting agency. Failure to comply with this request may result in legal action against your company for violations of the FDCPA. \nAdditionally, I demand that you cease all further communication with me regarding this matter, except for the required written validation of the debt. Any further attempts to contact me outside of compliance with 15 U.S.C. 1692c will be considered harassment and a violation of my rights under federal law. \nIf you believe this debt is valid, you must provide the requested verification within 30 days from the date of this letter. If you fail to do so, I will consider this matter resolved and will take necessary steps to enforce my rights under the FDCPA, including reporting your violations to the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General. \nThis letter serves as official notice under federal law. Please govern yourself accordingly.","date_sent_to_company":"2025-03-14T18:17:49.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"92071","tags":null,"has_narrative":true,"complaint_id":"12485514","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Enterprise Systems, Inc.","date_received":"2025-03-14T18:14:41.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Privacy issues"},"highlight":{"complaint_what_happened":["If you fail to do so, I will <em>consider</em> this <em>matter</em> <em>resolved</em> and will take necessary steps to enforce my rights under the FDCPA, including reporting your violations to the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General. \nThis letter serves as official notice under federal law. Please govern yourself accordingly."]},"sort":[14.059962,"12485514"]},{"_index":"complaint-public-v1","_id":"11681370","_score":13.906716,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinvestigation : Formal Dispute of Debt and Request for Verification To Whom It May Concern, I am writing to formally dispute the debt you claim I owe, referenced as Account Number : [ XXXX ]. I believe this debt is invalid and request full validation of the alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. \n\nFurthermore, under the XXXX XXXX ( XXXX XXXX. XXXX ), I am exercising my right to privacy regarding my financial information. This statute mandates financial institutions and their affiliates to clearly disclose how they share consumer information and to provide consumers the option to opt out. If your organization has obtained or shared my personal information without providing me with such disclosures or an opportunity to opt out, you may be in violation of federal law.\n\nTo resolve this matter, I request that you provide the following : 1. **Verification of Debt** : Proof that the alleged debt is valid and owed by me, including : - A copy of the original contract or agreement bearing my wet signature. \n- A complete accounting of the debt, including the original creditor, principal, interest, fees, and payment history. \n\nXXXX. **Compliance with XXXX** : Evidence that my personal information was handled in compliance with 15 U.S.C. 6802, including : - Disclosure of how my information was obtained. \n- Evidence of your adherence to privacy and opt-out requirements. \n\nUntil these requests are fulfilled and the debt is validated, I demand that you cease all collection activities, including reporting this debt to credit reporting agencies, as required under the FDCPA. Reporting invalid or unverifiable debts to credit bureaus violates my rights and could result in legal action. \n\nPlease consider this letter a formal notice under 15 U.S.C. 1692c ( c ) to cease all communication with me except to confirm receipt of this dispute or provide the requested documentation.\n\nFailure to comply with these requests may result in a formal complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state attorney general 's office. I also reserve the right to pursue legal action for violations of federal and state law. \n\nI expect a written response and the requested documentation within 30 days of receipt of this letter. Thank you for your prompt attention to this matter.","date_sent_to_company":"2025-01-20T20:18:47.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"77088","tags":null,"has_narrative":true,"complaint_id":"11681370","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-01-20T20:03:52.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["**<em>Compliance</em> with <em>XXXX</em>** : Evidence that my personal information was handled in <em>compliance</em> with 15 U.S.C. 6802, including : - Disclosure of how my information was obtained. \n- Evidence of your adherence to privacy and opt-out requirements. \n\n<em>Until</em> these requests are fulfilled and the debt is validated, I demand that you cease all collection activities, including reporting this debt to credit reporting agencies, as required under the FDCPA."]},"sort":[13.906716,"11681370"]},{"_index":"complaint-public-v1","_id":"15981140","_score":13.847021,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Formal Dispute of Alleged Bill Lack of Notice, Proof, and Failure of Company to Respond I am writing to formally dispute the alleged bill recently provided to me in PDF format. For the record : 1. This is the first time I have ever seen this document. I have never previously received this bill in any form. \n\n\n2. The PDF contains no mailing address for sending payment, no telephone number, and no email contact information. It is therefore impossible to determine how or where payment was supposed to be made. \n\n\n3. The bill was not sent by certified mail or by any other verifiable delivery method. There is no proof whatsoever that I ever received it.\n\n4. I have made repeated good-faith attempts to resolve this matter directly with People Gas and jNR Specifically I called your company at XXXX multiple times. Each call went unanswered and went to voicemail ( for XXXX XXXX ). No calls were ever returned. \n\nI sent email correspondence to the company. These emails were ignored, and I received no response. \n\nI am attaching evidence of my attempts to call and email for your records. \n\n\n\n\nGiven these facts, I must ask : How is a customer supposed to pay a bill to a company that does not provide any payment instructions, does not respond to phone calls, and ignores all written correspondence? \n\nUntil JNR can provide verifiable evidence of : How and when this alleged bill was properly delivered to me ; Where, specifically, payments were to be mailed or made ; and Why no responses have been provided to my repeated phone calls and emails, I dispute this bill in its entirety and assert that no fault lies with me for nonpayment. I have acted in good faith, and the companys failure to provide clear notice and reasonable access to payment channels is solely responsible for this situation JNR never respond to email and never respond to any phone calls.\n\nAbsent a response, I will consider this matter unresolved due toJNR lack of compliance and good-faith communication.","date_sent_to_company":"2025-09-16T19:57:05.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"33312","tags":null,"has_narrative":true,"complaint_id":"15981140","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JNR Adjustment Company, Inc","date_received":"2025-09-16T19:40:27.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Notification didn't disclose it was an attempt to collect a debt"},"highlight":{"complaint_what_happened":["Absent a response, I will <em>consider</em> this <em>matter</em> unresolved due toJNR lack of <em>compliance</em> and good-faith communication."]},"sort":[13.847021,"15981140"]},{"_index":"complaint-public-v1","_id":"11502677","_score":13.740173,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to formally request validation of the debt you claim I owe pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I recently received a communication from your office regarding an alleged debt, and I wish to ensure the validity and accuracy of this claim before proceeding further.\n\nTo facilitate this process, I respectfully request that you provide the following : Proof of Assignment or Ownership : A copy of the original assignment contract or agreement that demonstrates your legal right to collect this debt. \n\nComplete Payment History : A detailed and itemized statement of the entire payment history, including any charges, payments made, and any applicable interest or fees. \n\nProof of Debt Sale : Documentation outlining any sale or transfer of this debt, including references to the specific laws or agreements under which the sale or transfer was conducted. Please include evidence that the sale or assignment was in compliance with applicable state and federal laws. \n\nCease and Desist Request : I request that you cease all communication with me until the requested documentation is provided, as allowed under 15 U.S.C. 1692c ( c ).\n\nAdditionally, please confirm whether your organization or any affiliated entities have sold or transferred my information to any third parties, including credit buyers, and provide details of such transactions if applicable.\n\nThis letter is not a refusal to pay but rather a formal request for validation of the alleged debt. Please note that any attempt to report this debt to credit reporting agencies without proper validation may constitute a violation of the FDCPA and other applicable laws.\n\nIn accordance with the FDCPA, I expect a response within 30 days from the date you receive this letter. If you fail to provide the requested validation, I will consider this matter resolved and any further collection attempts unauthorized.\n\nPlease address all correspondence related to this matter to the mailing address provided above. Thank you for your prompt attention to this request. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-13T17:52:34.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"76522","tags":null,"has_narrative":true,"complaint_id":"11502677","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-01-13T17:40:15.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["If you fail to provide the requested validation, I will <em>consider</em> this <em>matter</em> <em>resolved</em> and any further collection attempts unauthorized.\n\nPlease address all correspondence related to this <em>matter</em> to the mailing address provided above. Thank you for your prompt attention to this request. \n\nSincerely, <em>XXXX</em> <em>XXXX</em>"]},"sort":[13.740173,"11502677"]},{"_index":"complaint-public-v1","_id":"11551393","_score":13.687395,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, GA XXXX Request for Removal of Inaccurate, Re-Aged Account Information Based on Arkansas Statute of Limitations and FCRA Violations Dear [ Credit Reporting Agency Name ], I am writing to formally dispute inaccurate and re-aged information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is listed as follows : Account Name : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX  XXXX. \n\nAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} Basis for Dispute 1. Arkansas Statute of Limitations According to Arkansas Code 16-56-111, the statute of limitations for credit card debt is three years. The original delinquency date for this account is XX/XX/XXXX, which places it beyond the enforceable collection period in Arkansas. Debt collectors are prohibited from reporting or attempting to collect time-barred debts under applicable state laws. \n\nXXXX. FCRA Violations The FCRA requires credit reporting agencies to ensure maximum possible accuracy in consumer reports ( 15 U.S.C. 1681e ( b ) ) and prohibits the reporting of obsolete information. Specifically : Re-Aging of the Account : The status of this account was updated in XXXX, despite the delinquency dating back to XX/XX/XXXX. As per 15 U.S.C. 1681c ( a ) ( 4 ), the seven-year reporting period begins from the date of first delinquency, not any subsequent updates by debt buyers or collectors.\n\nInaccurate Representation of Account Type : The account is listed as \" Open, '' which is inconsistent with its status as a charged-of\nf collection account.\n\n3. Relevant Case Law Spokeo, Inc. v. Robins, 578 U.S. 330 ( 2016 ) : Inaccurate reporting that harms a consumer 's financial standing violates consumer protection laws.\n\nRichardson v. Fleet Bank of Massachusetts, 190 F. Supp. 2d 81 ( D. Mass. 2001 ) : The duty to ensure accurate reporting lies with both the furnisher and the credit reporting agency.\n\n4. CFPB Guidance The Consumer Financial Protection Bureau ( CFPB ) has emphasized that re-aging or inaccurate reporting of time-barred debts violates consumer protection laws. CFPB enforcement actions have consistently held data furnishers accountable for non-compliance with FCRA obligations.\n\nRequest for Resolution I kindly request the following actions to resolve this matter : 1. Immediate Deletion of the Account : Due to the inaccurate, outdated, and re-aged reporting, I request the removal of this account from my credit report.\n\n2. Validation of the Debt : If you believe the information is accurate, I request documentation proving the original delinquency date, validation of the debt, and evidence of compliance with the Arkansas statute of limitations.\n\n3. Suppression of the Account : Until this dispute is resolved, I request suppression of the account to prevent further harm to my credit standing.\n\nTimeline and Next Steps The FCRA requires that disputes be investigated and resolved within 30 days. If this matter is not resolved to my satisfaction, I am prepared to file complaints with the CFPB, the Arkansas Attorney Generals office, and consider legal remedies to protect my rights.\n\nPlease confirm receipt of this letter and provide written updates to the address listed above. Thank you for your prompt attention to this matter. \n\nSincerely,","date_sent_to_company":"2025-01-15T17:51:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"721XX","tags":null,"has_narrative":true,"complaint_id":"11551393","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2025-01-15T17:43:05.000Z","state":"AR","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["If this <em>matter</em> is not <em>resolved</em> to my satisfaction, I am prepared to file complaints with the CFPB, the Arkansas Attorney Generals office, and <em>consider</em> legal remedies to protect my rights.\n\nPlease confirm receipt of this letter and provide written updates to the address listed above. Thank you for your prompt attention to this <em>matter</em>. \n\nSincerely,"]},"sort":[13.687395,"11551393"]},{"_index":"complaint-public-v1","_id":"15175663","_score":13.477931,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Failure to Provide Legally Compliant Validation Demand for Deletion Under FCRA, FDCPA, and Metro 2 To Whom It May Concern, This is a formal response to the companys claim that documentation was mailed on XX/XX/XXXX, despite my ongoing dispute and request for proper validation and compliance. While the company alleges that they mailed documents via U.S. Mail, the following points illustrate noncompliance with federal laws and reporting guidelines, thereby requiring the immediate deletion of this tradeline from all consumer reporting agencies : Legal Violations and Basis for Deletion 15 U.S. Code 1681i ( FCRA ) Reinvestigation of Disputed Information A consumer has the right to dispute inaccurate or unverifiable information. If the furnisher can not verify with documented evidence the accuracy and ownership of the debt within 30 days, the information must be deleted. A claim that mail was sent does not constitute validation or verification. No actual evidence or full documentation has been provided to me. 15 U.S. Code 1692g ( FDCPA ) Debt Validation Requirement When a consumer disputes a debt, the collector must provide : A copy of the original signed contract or agreement. A complete accounting and breakdown of the alleged debt. Proof that the agency has the legal right to collect. A simple notice allegedly mailed, without proof of content and delivery ( i.e., green card signature or USPS tracking ), is not sufficient under federal law. Metro 2 Compliance ( Credit Reporting Format Standard ) If an account is in dispute, it must be marked as such with Compliance Condition Code XXXX XXXX XXXX until the dispute is resolved. Failure to do so is a compliance violation, and inaccurate or unverifiable data must be deleted. XXXX XXXX : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Credit bureaus must perform more than a cursory investigation. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX FCRA requires accuracy, and failure to investigate thoroughly or to maintain accurate records warrants deletion. Demand for Immediate Action Given the companys failure to : Provide verifiable documentation of the debt, show proof of actual delivery or receipt of any mailed materials, provide a full investigation and documented evidence under 15 USC 1681i, Comply with Metro 2 and FDCPA debt validation protocols, I demand the immediate deletion of the account from all consumer reporting agencies as required by law. If the information is not removed, I will escalate this matter with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) And consider seeking redress in federal court for willful noncompliance under 15 U.S. Code 1681n and 1681o. \nRespectfully, XXXX XXXX","date_sent_to_company":"2025-08-08T13:15:49.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"60544","tags":null,"has_narrative":true,"complaint_id":"15175663","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rent Recovery Solutions","date_received":"2025-08-08T13:12:15.000Z","state":"IL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Metro 2 <em>Compliance</em> ( Credit Reporting Format Standard ) If an account is in dispute, it must be marked as such with <em>Compliance</em> Condition Code <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>until</em> the dispute is <em>resolved</em>. Failure to do so is a <em>compliance</em> violation, and inaccurate or unverifiable data must be deleted. <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> XXXXXXXX ) Credit bureaus must perform more than a cursory investigation."]},"sort":[13.477931,"15175663"]},{"_index":"complaint-public-v1","_id":"12536639","_score":13.364426,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Date : XX/XX/2025 Dear XXXX XXXX XXXX I am writing to formally dispute the collection account listed under my name with the account number referenced above. The account appears on my credit report as a collection account with a reported balance of {$460.00}. According to my records, this account was opened with XXXX XXXX XXXX, and the current status is shown as Collection/Chargeoff. However, I believe there are inaccuracies or violations related to this account that need to be addressed. \n\nMy Dispute Concerns : 1. Inaccurate Reporting : I believe the reported balance and other details are incorrect. I request that you provide documentation to substantiate the amount claimed and the nature of the debt. \n\n\n2. Violation of Fair Debt Collection Practices Act ( FDCPA ) : Under the FDCPA ( 15 U.S.C. XXXX ), debt collectors are prohibited from engaging in unfair practices. This includes, but is not limited to, misrepresentation of the amount or status of a debt, and contacting third parties without my consent. If these actions have been violated, I request that you cease all further communication with third parties and provide evidence that all actions taken were in compliance with the law. \n\n\n3. Inadequate Validation of Debt : Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. XXXX ), I am entitled to request verification of any debt being reported. To date, I have not received a proper debt validation notice from you. I request that you provide proof of the debt, including any original agreements or statements from XXXX XXXX XXXXXXXX, showing that I am liable for this amount. \n\n\n4. Failure to Comply with State Laws : I am also aware of my rights under state debt collection laws, which may vary depending on my state of residence. These laws typically require that a debt collector provide adequate notice of a debt and adhere to specific procedures. If you have not complied with these requirements, I request that you immediately cease any collection activities until such compliance is demonstrated. \n\n\n\nRequested Action : I request that you : Immediately cease any collection efforts until you provide appropriate documentation and verification of the debt. \n\nRemove any inaccurate information related to this account from my credit report. \n\nProvide detailed information related to this debt as required by law. \n\nCease all communications with any third parties about this debt unless and until it is validated. \n\n\nIf you do not provide the necessary documentation or if this debt is not validated within 30 days of receipt of this letter, I will consider this matter resolved, and will take the appropriate steps to ensure that this account is removed from my credit report. Additionally, I will not hesitate to report any violations of the FDCPA or FCRA to the appropriate regulatory agencies, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). \n\nLaws Relevant to This Dispute : Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. XXXX et seq. ) Prohibits debt collectors from using abusive, unfair, or deceptive practices when collecting debts. \n\nRequires debt collectors to provide written verification of the debt within five days of their initial contact. \n\n\nFair Credit Reporting Act ( FCRA ) ( 15 U.S.C. XXXX et seq. ) Requires accurate reporting of debts and allows consumers to dispute inaccurate information on their credit report. \n\nMandates that debt collectors must provide verification of a disputed debt if requested. \n\n\nState Debt Collection Laws : [ Refer to your specific states regulations on debt collection practices and procedures. ] Please consider this letter as a formal request for validation of the debt and a formal dispute of the chargeoff entry. I look forward to your prompt response.","date_sent_to_company":"2025-03-18T20:20:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"77042","tags":null,"has_narrative":true,"complaint_id":"12536639","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-18T20:11:57.000Z","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":["Cease all communications with any third parties about this debt unless and <em>until</em> it is validated. \n\n\nIf you do not provide the necessary documentation or if this debt is not validated within 30 days of receipt of this letter, I will <em>consider</em> this <em>matter</em> <em>resolved</em>, and will take the appropriate steps to ensure that this account is removed from my credit report."]},"sort":[13.364426,"12536639"]},{"_index":"complaint-public-v1","_id":"11730046","_score":13.3480015,"_source":{"product":"Debt collection","complaint_what_happened":"Subject : Dispute of XXXX XXXX Collection Request for Debt Validation and Immediate Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am submitting this formal dispute regarding the XXXX XXXX collection account referenced above, which is inaccurately and unfairly being reported on my credit reports by TransUnion, XXXX, and XXXX. Despite my previous certified mail request to XXXX for validation, I have not received any response or supporting documentation. \n\nUnder the Fair Credit Reporting Act ( FCRA ), XXXX is required to verify the accuracy of all reported information and provide evidence of the debts validity. To date, XXXX has failed to comply with this obligation. \n\nI formally request the following : 1. Validation of Debt : Provide a wet-ink signature on the original agreement or contract demonstrating that I authorized this debt. \nSubmit a complete account history with itemized statements detailing how the alleged amount was calculated. \nConfirm that XXXX is legally authorized to collect this debt, including proof of the forward flow agreement or other documentation transferring ownership or servicing rights. \n2. Cease Reporting : Until the requested validation is provided, XXXX must immediately stop reporting this account to TransUnion, XXXXXXXX XXXX XXXX \n3. Immediate Removal of this Account : As XXXX has failed to validate the debt or provide evidence supporting its accuracy, I demand the removal of this collection account from all credit reporting agencies. \n\nAdditionally, I would like to bring to your attention that the Consumer Financial Protection Bureau ( CFPB ) has previously taken enforcement actions against credit bureaus for reporting inaccurate and unverified information. For example, in [ specific case examples, if known ], the CFPB penalized credit bureaus for violating consumer rights under the FCRA. I trust that the CFPBs oversight will ensure compliance in this matter as well. \n\nFailure to comply with this request constitutes a violation of the FCRA and related consumer protection laws. XXXX  lack of response to my prior communication and continued reporting of inaccurate information suggests negligence. Under Estoppel by Silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failure to validate this debt constitutes acknowledgment that this debt is invalid. \n\nIf this matter is not resolved promptly, I will pursue the following actions : File additional complaints with the CFPB, FTC, and state regulatory agencies. \nConsider legal remedies for damages caused by this inaccurate reporting. \n\nI request a written response confirming the resolution of this matter, including the immediate removal of this collection account from my credit reports, within 15 business days.","date_sent_to_company":"2025-01-26T03:12:15.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Telecommunications debt","zip_code":"15068","tags":null,"has_narrative":true,"complaint_id":"11730046","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-26T02:57:34.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["If this <em>matter</em> is not <em>resolved</em> promptly, I will pursue the following actions : File additional complaints with the CFPB, FTC, and state regulatory agencies. \n<em>Consider</em> legal remedies for damages caused by this inaccurate reporting. \n\nI request a written response confirming the resolution of this <em>matter</em>, including the immediate removal of this collection account from my credit reports, within 15 business days."]},"sort":[13.3480015,"11730046"]},{"_index":"complaint-public-v1","_id":"11949920","_score":13.3445,"_source":{"product":"Debt collection","complaint_what_happened":"Thanks for sharing the details. Based on this information, XXXX adjust the letter to include specifics about the child support reporting, emphasizing the dispute resolution status and challenging the ongoing negative reporting. \n\nXXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Child Support Services XXXX XXXX XXXX XXXX, CA XXXX Re : Cease Reporting of Child Support Debt Violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the negative child support entry currently being reported on my credit file by your agency. The account in question lists numerous late payments and a status of XXXX days late, negatively affecting my credit score. Furthermore, my credit report reflects the note Dispute resolved reported by grantor, which indicates prior action on this matter. Despite this, you continue to report the debt negatively, which constitutes a violation of my rights under federal law. \n\n1. Violation of the Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), furnishers of information are required to report accurate and complete information. Continuing to report this debt as delinquent after resolving the dispute constitutes inaccurate reporting. Since this matter has been marked as resolved, any further negative reporting may be considered willful non-compliance under FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits the reporting of information known to be inaccurate.\n\n2. Unauthorized Debt Collection and Reporting Child support obligations are typically handled through state enforcement agencies, and the reporting of such obligations must comply with both federal and state regulations. If your agency has assumed the role of a debt collector for this obligation without proper verification, it may violate the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ). Additionally, you have neither provided verification of the debt upon my previous disputes nor obtained my explicit permission to continue reporting this item. \n\n3. Legal Precedents In XXXX v. XXXX XXXX ( XXXX F.R.D. XXXX, XXXX. XXXX ), it was established that continuing to report a disputed debt without adequate investigation violates the FCRA. Your actions similarly constitute negligent reporting and failure to perform due diligence. \n\nDemand for Immediate Action : Cease all negative reporting of this child support account to all credit bureaus ( including TransUnion, XXXX, and XXXX ) immediately. \nProvide written confirmation that the negative information has been removed and that no further adverse reports will be made regarding this matter. \nCease all collection activities related to this alleged debt, as required under the FDCPA until proper verification is provided. \n\nFailure to comply with these demands will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I will also explore legal action for damages related to your non-compliance with the FCRA and FDCPA. \n\nPlease consider this letter a formal notice to rectify these issues immediately. I expect a response within 15 days from the date of receipt. \n\nSincerely, XXXX XXXX You can submit this to the CFPB and send a copy to the agency. Make sure to keep records of your correspondence. Let me know if you need help with the CFPB complaint process!","date_sent_to_company":"2025-02-05T19:34:20.000Z","issue":"Written notification about debt","sub_product":"I do not know","zip_code":"94605","tags":null,"has_narrative":true,"complaint_id":"11949920","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-05T18:57:56.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Continuing to report this debt as delinquent after <em>resolving</em> the dispute constitutes inaccurate reporting. Since this <em>matter</em> has been marked as <em>resolved</em>, any further negative reporting may be considered willful non-<em>compliance</em> under FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits the reporting of information known to be inaccurate.\n\n2."]},"sort":[13.3445,"11949920"]},{"_index":"complaint-public-v1","_id":"16722496","_score":13.316374,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Subject : Dispute of Debt and Request for Validation Under FDCPA ( 15 U.S. Code 1692 ) ACCOUNT NAME : LMMINC ACCOUNT NUMBER : XXXX ACCOUNT NAME : LMMINC ACCOUNT NUMBER : XXXX Dear LMMINC I am writing to formally dispute the alleged debt listed on my credit report and demand validation of the debt in accordance with my rights under 15 U.S. Code 1692 ( g ) - Validation of Debts. I request the following information to validate the accuracy and legitimacy of the alleged debt : XXXX. Proof of the Original Debt : A copy of the original agreement or contract that shows I agreed to the alleged debt. \nXXXX. Detailed Account Information : A full itemization of the amount you claim I owe, including principal, interest, fees, and other charges. \nXXXX. Proof of Ownership : Documentation demonstrating that you have the legal right to collect this debt, including a copy of the assignment or transfer agreement. \nXXXX. Verification of the Reporting : Confirmation that you are reporting accurate information to the credit reporting agencies, in compliance with the Fair Credit Reporting Act ( FCRA ). \n\nUnder the FDCPA, you are required to cease all collection efforts, including reporting to credit bureaus, until this debt is validated. In addition, I request that you remove this account from my credit report if you can not provide proper validation. \n\nFurthermore, I remind you that any attempt to report unverifiable or inaccurate information to the credit reporting agencies is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681 ). \n\nIf this debt has been paid, forgiven, or does not belong to me, I expect it to be removed immediately from my credit report. If I do not receive a response validating this debt within XXXX  days, I will consider this matter resolved and demand that the debt be permanently removed from my credit report. \n\nPlease communicate with me in writing only, and do not contact me by phone. This letter serves as a formal request for all communication regarding this matter to be documented. \n\nThank you for your prompt attention to this matter. I look forward to your written response within the time frame outlined by law. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-10-21T14:14:56.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"322XX","tags":null,"has_narrative":true,"complaint_id":"16722496","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Lockhart, Morris & Montgomery Inc.","date_received":"2025-10-21T13:56:13.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["If I do not receive a response validating this debt within <em>XXXX</em>  days, I will <em>consider</em> this <em>matter</em> <em>resolved</em> and demand that the debt be permanently removed from my credit report. \n\nPlease communicate with me in writing only, and do not contact me by phone. This letter serves as a formal request for all communication regarding this <em>matter</em> to be documented. \n\nThank you for your prompt attention to this <em>matter</em>. I look forward to your written response within the time frame outlined by law."]},"sort":[13.316374,"16722496"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":213,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":213}]}},"product":{"doc_count":213,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":115,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":115}]}},{"key":"Debt collection","doc_count":64,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":23},{"key":"I do not know","doc_count":18},{"key":"Other debt","doc_count":9},{"key":"Medical debt","doc_count":6},{"key":"Auto debt","doc_count":4},{"key":"Rental debt","doc_count":2},{"key":"Mortgage 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