{"took":860,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":349,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"21053447","_score":20.184624,"_source":{"product":"Debt collection","complaint_what_happened":"I am filing a complaint against Bounce AI for false, deceptive, and misleading debt collection practices, as well as failure to validate a disputed debt and continued collection activity during an active dispute. \n\nThe debt in question originated with XXXX XXXX, who sold the loan on XX/XX/year> ( as shown in my promissory note ). Bounce AI is a thirdparty debt buyer and is reporting the account to the credit bureaus. \n\nI disputed the debt with Bounce AI and requested validation. Bounce AI never provided any validation, ownership documentation, accounting, or proof of a legal right to collect. \n\nDespite my dispute, Bounce AI continued collection activity. \n\n-- - Deceptive email sent by Bounce AI On XX/XX/year>, Bounce AI emailed me stating : Your {$6700.00} debt is close to being reported. \n\nThis statement was false and misleading. \n\nBounce AI had already reported the debt months earlier, as shown on my TransUnion credit report : Date Opened : XX/XX/year> Status : Collection Remarks : Placed for Collection Bounce AI falsely claimed the debt was close to being reported when it was already reported, which is a deceptive attempt to pressure me into payment. \n\n\nViolations Bounce AIs actions violate multiple consumer protection laws : FDCPA Violations 807 ( 2 ) ( A ) False representation of the character or status of a debt 807 ( 10 ) Use of deceptive means to collect a debt 809 ( b ) Continued collection activity without providing validation FCRA Violations 623 Furnisher duties during a dispute Bounce AI updated and continued reporting the account during an active dispute Bounce AI failed to investigate or validate CFPB UDAAP Violations Deceptive practices Misleading statements False threats of credit reporting What I am requesting I am requesting that the CFPB : 1. Investigate Bounce AIs deceptive collection practices 2. Require Bounce AI to provide : Proof of ownership ( Bill of Sale, Chain of Title, Loan Schedule ) Full validation of the debt Complete accounting 3. Require Bounce AI to cease collection activity until validation is provided 4. Require correction or deletion of any inaccurate or unverified credit reporting XXXX. Ensure Bounce AI stops sending misleading or deceptive communications Evidence attached I am attaching : The XX/XX/year> deceptive email from Bounce AI My TransUnion credit report screenshot showing the account was already reported My XXXX XXXX loan document showing the loan was sold on XX/XX/year> My dispute communications","date_sent_to_company":"2026-04-08T15:44:44.000Z","issue":"False statements or representation","sub_product":"Other debt","zip_code":"32909","tags":null,"has_narrative":true,"complaint_id":"21053447","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bounce AI, Inc.","date_received":"2026-04-08T14:46:32.000Z","state":"FL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Investigate Bounce AIs <em>deceptive</em> <em>collection</em> <em>practices</em> 2. Require Bounce AI to provide : Proof of ownership ( Bill of Sale, Chain of Title, <em>Loan</em> Schedule ) Full validation of the debt Complete accounting 3. Require Bounce AI to cease <em>collection</em> activity until validation is provided 4. Require correction or deletion of any inaccurate or unverified credit reporting XXXX."],"product":["Debt <em>collection</em>"]},"sort":[20.184624,"21053447"]},{"_index":"complaint-public-v1","_id":"21158006","_score":17.60585,"_source":{"product":"Mortgage","complaint_what_happened":"I believe the mortgage company made a significant error in calculating the escrow and property tax amounts at closing, which resulted in an inaccurate monthly payment being presented to me. Under the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2601 et seq., and Regulation X ( 12 C.F.R. 1024.17 ), they are required to provide accurate escrow estimates and follow strict limits on escrow collection.\n\nIn addition, the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., and Regulation Z ( 12 C.F.R. Part 1026 ) require that all loan terms, including the total monthly payment, be clearly and accurately disclosed before closing. The payment I was given does not reflect the true amount, which raises concerns about a violation of these disclosure requirements.\n\nI also felt pressured to move forward with signing despite these discrepancies not being clearly explained or resolved. This may fall under the Dodd-Frank Acts prohibition on Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). Additionally, under the New Jersey Consumer Fraud Act ( N.J.S.A. 56:8-1 et seq. ), any misrepresentation or deceptive conduct in connection with this loan may constitute a violation.\n\nBased on these issues, I am seeking a full review and correction of my loan terms, along with accountability for any errors or misleading information provided during the closing process. As well as the reversal of negative credit reporting","date_sent_to_company":"2026-04-11T10:39:25.000Z","issue":"Closing on a mortgage","sub_product":"FHA mortgage","zip_code":"08021","tags":null,"has_narrative":true,"complaint_id":"21158006","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PENNYMAC LOAN SERVICES, LLC.","date_received":"2026-04-11T10:31:09.000Z","state":"NJ","company_public_response":null,"sub_issue":"Changes in loan terms during or after closing"},"highlight":{"complaint_what_happened":["Part 1026 ) require that all <em>loan</em> terms, including the total monthly payment, be clearly and accurately disclosed before <em>closing</em>. The payment I was given does not reflect the true amount, which raises concerns about a violation of these disclosure requirements.\n\nI also felt pressured to move forward with signing despite these discrepancies not being clearly explained or resolved. This may fall under the Dodd-Frank Acts prohibition on Unfair, <em>Deceptive</em>, or Abusive Acts or <em>Practices</em> ( UDAAP )."],"issue":["<em>Closing</em> on a mortgage"],"company":["PENNYMAC <em>LOAN</em> SERVICES, LLC."],"sub_issue":["Changes in <em>loan</em> terms during or after <em>closing</em>"]},"sort":[17.60585,"21158006"]},{"_index":"complaint-public-v1","_id":"6644989","_score":17.350525,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to file a complaint against XXXX XXXX XXXX XXXX, located at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, for posting a late payment to my credit report when the debt is no longer owed due to their multiple violations of federal laws, including the FCRA and the Debt Collection Act of Texas. \n\nXXXX XXXX XXXX XXXX transferred my loan multiple times without my agreement and without providing me with a new contract to sign. They did not provide me with all the necessary documentation regarding the transfer of the loan, including who the new servicer was, if the payments were going to remain the same, and the new balance I would owe. As a result of their actions, they owe me {$30000.00}. \n\nFurthermore, their actions have caused me significant harm, including reduced credit and financial damages. I demand that they close out this loan because their violations are now more than what the loan is worth. \n\nXXXX XXXX XXXX XXXX has violated multiple state and federal laws, including : The Fair Credit Reporting Act ( FCRA ) The Debt Collection Act of Texas The Texas Deceptive Trade Practices Act The Truth in Lending Act The Fair Debt Collection Practices Act The Electronic Funds Transfer Act The Uniform Commercial Code XXXX XXXX XXXX XXXX 's multiple violations of these laws have caused me significant harm, and I demand that they be held accountable for their actions.","date_sent_to_company":"2023-03-03T14:59:45.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"77301","tags":null,"has_narrative":true,"complaint_id":"6644989","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credova Holdings Inc","date_received":"2023-03-03T14:59:41.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX has violated multiple state and federal laws, including : The Fair Credit Reporting Act ( FCRA ) The Debt <em>Collection</em> Act of Texas The Texas <em>Deceptive</em> Trade <em>Practices</em> Act The Truth in Lending Act The Fair Debt <em>Collection</em> <em>Practices</em> Act The Electronic Funds Transfer Act The Uniform Commercial Code XXXX XXXX XXXX XXXX 's multiple violations of these laws have caused me significant harm, and I demand that they be held accountable for their actions."],"product":["Debt <em>collection</em>"]},"sort":[17.350525,"6644989"]},{"_index":"complaint-public-v1","_id":"6643411","_score":17.334553,"_source":{"product":"Debt collection","complaint_what_happened":"I am writing to file a complaint against Monterey Financial Services LLC, located at XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, for posting a late payment to my credit report when the debt is no longer owed due to their multiple violations of federal laws, including the FCRA and the Debt Collection Act of Texas. \n\nMonterey Financial Services LLC transferred my loan multiple times without my agreement and without providing me with a new contract to sign. They did not provide me with all the necessary documentation regarding the transfer of the loan, including who the new servicer was, if the payments were going to remain the same, and the new balance I would owe. As a result of their actions, they owe me {$30000.00}. \n\nFurthermore, their actions have caused me significant harm, including reduced credit and financial damages. I demand that they close out this loan because their violations are now more than what the loan is worth. \n\nMonterey Financial Services LLC has violated multiple state and federal laws, including : The Fair Credit Reporting Act ( FCRA ) The Debt Collection Act of Texas The Texas Deceptive Trade Practices Act The Truth in Lending Act The Fair Debt Collection Practices Act The Electronic Funds Transfer Act The Uniform Commercial Code Monterey Financial Services LLC 's multiple violations of these laws have caused me significant harm, and I demand that they be held accountable for their actions.","date_sent_to_company":"2023-03-03T14:59:36.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"77301","tags":null,"has_narrative":true,"complaint_id":"6643411","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Monterey Financial Services LLC","date_received":"2023-03-03T14:39:36.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Monterey Financial Services LLC has violated multiple state and federal laws, including : The Fair Credit Reporting Act ( FCRA ) The Debt <em>Collection</em> Act of Texas The Texas <em>Deceptive</em> Trade <em>Practices</em> Act The Truth in Lending Act The Fair Debt <em>Collection</em> <em>Practices</em> Act The Electronic Funds Transfer Act The Uniform Commercial Code Monterey Financial Services LLC 's multiple violations of these laws have caused me significant harm, and I demand that they be held accountable for their actions."],"product":["Debt <em>collection</em>"]},"sort":[17.334553,"6643411"]},{"_index":"complaint-public-v1","_id":"2145391","_score":16.82966,"_source":{"product":"Student loan","complaint_what_happened":"XX/XX/XXXX Hello! I am a student who attended XXXX ( XXXX ) and was forced to take out EdOp loans as a result of the school being overpriced. XXXX has since been found to have conducted fraudulent practices involving the students who studied there. One of these practices involves the EdOp loans. EdOp is a private loan that XXXX forces students to take out to pay for schooling. Students are even told that they must drop out of class if they do n't accept the EdOp loan. I was told that I can not attend school if I do n't take the loan because Financial Aid does n't cover the high cost of the for profit school. The interest rate for EdOp was XXXX % when I attended and only should have legally been XXXX % according to XXXX. XXXX Attorney General, XXXX is currently in lawsuits against XXXX and is working on EdOp. In the last court case, the Attorney General was asking restitution to reimburse students for this EdOP loan as well as Federal loans. XXXX has also had a lawsuit against them in which they paid out {$400000.00} to a former XXXX, XXXX XXXX because she was a whistleblower. She was the one who brought these illegal, deceptive, fraudulent activities to the courts attention. This EdOp loan is misleading, unfair, deceptive, manipulative and fraudulent for many reasons. However, one of the reasons is that EdOp is owned by the XXXX family who also owns XXXX schools and they also have their own collection agency ( XXXX ) which shared the same address. Any school that owns a debt agency and a loan agency which they refer students to is likely expecting students to default and not pay their loans. On the promissory note as far as I can remember, it does n't say that the loan gets referred to collections after XXXX months of default but that is what happens. This is a loan with predatory terms and the owners profited off of it. \n\" For instance, upon graduating or withdrawing from school, borrowers immediately go into default after 30 days without payment. Other reasons for default include : failing to notify the lender of a name change within 10 days, or upon death of the borrower or co-signer. If a borrower defaults, the student 's transcripts will also be held until the bill is paid. \nThe mailing address listed on the EdOp Loan website also happens to be the same mailing address XXXX, a debt collection agency. This happenstance could imply that these loans, which are made to high risk borrowers, are not expected to be paid on time. '' XXXX, XXXX, ( XX/XX/XXXX ) XXXX Currently, XXXX campuses are closing because they have been found fraudulent and misleading. EdOp is currently putting students into collection because they are the creditor but they are trying to sell their debt so that students remain responsible for it so that they can get as much money as possible before they go bankrupt from their illegal practices. \nI am asking you for help in dismissing or discharging this loan for its manipulative, deceptive and unfair practices. My EdOp loan is approximately {$22000.00} which does n't include what I have made in payments. So to reiterate, XXXX, XXXX and XXXX XXXX are the owners of XXXX and XXXX, they are also the owners of the EdOp loans which I was forced to accept. They are also the owners of the collection agency XXXX who they refer the EdOp collections to when students default. Please, I am asking for my loans to be discharged so that I may seek a new degree because my degree from this institution ( XXXX ) is now rendered useless because they were found fraudulent and are no","date_sent_to_company":"2016-11-29T13:22:58.000Z","issue":"Getting a loan","sub_product":"Non-federal student loan","zip_code":"559XX","tags":null,"has_narrative":true,"complaint_id":"2145391","timely":"Yes","company_response":"Closed","submitted_via":"Web","company":"Educational Opportunity","date_received":"2016-10-04T17:44:59.000Z","state":"MN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Can't qualify for a loan"},"highlight":{"complaint_what_happened":["EdOp is currently putting students into <em>collection</em> because they are the creditor but they are trying to sell their debt so that students remain responsible for it so that they can get as much money as possible before they go bankrupt from their illegal <em>practices</em>. \nI am asking you for help in dismissing or discharging this <em>loan</em> for its manipulative, <em>deceptive</em> and unfair <em>practices</em>. My EdOp <em>loan</em> is approximately {$22000.00} which does n't include what I have made in payments."],"product":["Student <em>loan</em>"],"issue":["Getting a <em>loan</em>"],"sub_product":["Non-federal student <em>loan</em>"],"sub_issue":["Can't qualify for a <em>loan</em>"]},"sort":[16.82966,"2145391"]},{"_index":"complaint-public-v1","_id":"6487130","_score":16.664192,"_source":{"product":"Debt collection","complaint_what_happened":"I applied for nancing for my business XXXX XXXX XXXXXXXX XXXX XXXX XXXX through multiple brokers for bridge loans with conventional terms to pay closing costs and international withholding taxes to close an international loan facility for XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX  ( XXXX, XXXX XXXX XXXX, XXXX ). I was informed by the brokers multiple loans would be needed in order to obtain the amount of money required to close the loan facility. During calls with representatives of the lenders, I informed them the offered terms of up to 49 % interest with daily and weekly repayments were not affordable until receiving funds from the loan facility. I was misinformed several times by people associated with the loan facility of the amount of withholding taxes due and timeframe of when the funds from the loan facility would be received. After explaining the offered terms of interest and repayment schedules to the lenders were not affordable the representatives of the lenders told me during phone calls if I signed the offer to receive the funds that day they would restructure the loans to affordable terms within a week after they provided funds. I only applied for nancing for The XXXX XXXX XXXX XXXX XXXX for the real estate development purposes of XXXX XXXX XXXX and as guarantor of the loans the lenders over-leveraged my dental practice as my only revenue generating business. The contracted terms negatively affected my dental practice 's cash ow and normal business operations. I attempted to restructure the loans after receiving funding as the lenders stated they would but then they proceeded to tell me they were Merchant Cash Advances and not loans, the lenders also proceeded to continue to debit daily and weekly repayments from my dental practice 's business checking account, draining my dental practice 's cash ow as well as taking funds from PPP and EIDL loans. I requested XXXX XXXX XXXXXXXX to stop the debits from the Merchant Cash Advance lenders then the lenders started to draft different amounts to continue to debit funds from my dental practice. XXXX XXXX XXXXXXXX proceeded to risk closure all of my business and personal checking accounts after that activity by the Merchant Cash Advance lenders. \nAt the time I was and I'm still in financial hardship due to the pandemic and because of the daily and weekly payments amounts of the stacked merchant cash advances sourced through multiple brokers. I needed money to continue to operate my dental practice and my dental practice 's cash flow was being drained including EIDL and PPP funds that the MCA lenders debited as repayments which weren't revenue generated by my business. Even after I requested reconciliation from the multiple Merchant Cash Advance lenders and stop payments were requested through XXXX XXXX XXXXXXXX, the lenders continued to debit from my business checking account and file legal orders to debit funds from all my personal and business checking accounts without reconciliation. The brokers and lenders did not fund the amount needed to be used as the bridge loan to release the hold on the incoming first tranche from the private loan facility. \nI have requested deferment multiple times from Lionheart Funding to allow me to close the private loan facility and inquire with authorities about fraud regarding the loan facility. I have also told Lionheart Funding multiple times I will repay the principal loan amount advanced with reasonable interest, their collection representation is attempting to add their fees to the amount due for an unsecured loan ( Merchant Cash Advance ), and also file lawsuits against me and my businesses. Please instruct Lionheart Funding, XXXX XXXX XXXX, and XXXX XXXX XXXX. to not continue with their deceptive business practices. \nI believe the Merchant Cash Advance lenders conducted fraudulent lending practices, including but not limited to, fraudulent inducement to contract, criminal usury, breach of contract, extortion, grand larceny, harassment, and illegal collection conduct.","date_sent_to_company":"2023-03-23T16:08:15.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Other debt","zip_code":"33710","tags":null,"has_narrative":true,"complaint_id":"6487130","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Lionheart Funding LLC","date_received":"2023-01-26T00:12:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["I have also told Lionheart Funding multiple times I will repay the principal <em>loan</em> amount advanced with reasonable interest, their <em>collection</em> representation is attempting to add their fees to the amount due for an unsecured <em>loan</em> ( Merchant Cash Advance ), and also file lawsuits against me and my businesses. Please instruct Lionheart Funding, XXXX XXXX XXXX, and XXXX XXXX XXXX. to not continue with their <em>deceptive</em> business <em>practices</em>."],"product":["Debt <em>collection</em>"]},"sort":[16.664192,"6487130"]},{"_index":"complaint-public-v1","_id":"9264495","_score":16.619303,"_source":{"product":"Debt collection","complaint_what_happened":"I have been involved in an ongoing dispute with XXXX 's XXXX XXXX of XXXX XXXX XXXX, who has used deceptive and aggressive collection tactics to try to satisfy a debt. These actions have resulted in me having to file a bankruptcy and threaten to take legal action against this company. ( At this time none has been taken ). There have been previous actions by this company and its representatives that have violated the Fair Debt Collection Practices Act and the latest occurred on Tuesday, XX/XX/XXXX, which has now resulted in me filing this complaint with an outside agency. On XX/XX/XXXX, representatives of America 's Car Mart in XXXX XXXX called a close friend of mine, who was listed on the initial application as a reference and provided information that I was seeking to obtain a new loan with their company for a vehicle. This was a false representation as I have done business with this company since XX/XX/XXXX. The caller unaware that I was in an ongoing dispute with this company provided the company with information such as a secondary phone number that I had not provided to the company. The company also used false statements about a new loan to try to locate my place of residence and place of employment. Almost immediately after the friend notified me of this action I received a call on the number that I only give to close friends, proving they used the deceptive tactic to gain information. This is the latest in a set of deceptive collection practices this company has used, which has cost me more money out of pocket and the filing of a XXXX XXXX, which was recently dismissed. Almost immediately upon the dismissal of the XXXX XXXX, An assistant XXXX at the location by the name of XXXX ( last name unknown ) began harassing tactics to try to remove the vehicle from my possession and on Wednesday, XX/XX/XXXX, provided a false remedy to get the account back in good standing. She told me in a phone call to come to their location in XXXX XXXX ( roughly XXXX miles from my home ) and we can work out an arrangement. Upon entry I met with an employee at the XXXX location who told me that there are options to get the loan back on track. XXXX did not offer any of these solutions and instead demanded I leave the vehicle and find my own way home. XXXX had previously did this and left me stranded in XXXX with fees of {$150.00} to get home in XXXX. XXXX has been responsible for many of these deceptive tactics that are taking place. In addition, I have spoken with America 's Car Mart 's legal team and previously requested arbitration hearings based on the actions of XXXX and illegal and aggressive tactics this company is using. I have also requested to have my account relocated to the XXXX location to escape the harassment. I have made several requests to try to remedy the situations taking place in XXXX XXXX, but the company continues to uphold XXXX and Car-Mart of XXXX XXXX XXXX their questionable collection tactics. In XXXX of XXXX, I spoke with Car-Mart 's legal team after an abnormally high number of harassing phone calls by this company. These calls would come upwards of XXXX times in a single day on back to back days when the account was only a matter of days late usually less than a week. Some of these calls would come then immediately and Car-Mart would call back within seconds after placing the first call. I have recently filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to try to seek a mediation, but the company has failed to respond to date and continues their deceptive debt collection tactics and threats. The latest event on XX/XX/XXXX is the final straw as I have every intent on satisfying the debt but the company is trying to make it a situation where I can not afford the debt and seeking to seize the property and force me out as a customer and meaning a loss of more than {$7000.00}, through deceptive and questionably illegal tactics. I am filing this based on actions by this company that violate the Fair Debt Collection Practices Act through harassment/abuse and unfair and misleading practices. I thank you for your time and assistance. I am readily available to provide any supporting evidence that is needed through this process.","date_sent_to_company":"2024-06-17T17:26:48.000Z","issue":"False statements or representation","sub_product":"Auto debt","zip_code":"36869","tags":null,"has_narrative":true,"complaint_id":"9264495","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Americas Car-Mart, Inc.","date_received":"2024-06-14T14:31:15.000Z","state":"AL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Impersonated attorney, law enforcement, or government official"},"highlight":{"complaint_what_happened":["The company also used false statements about a new <em>loan</em> to try to locate my place of residence and place of employment. Almost immediately after the friend notified me of this action I received a call on the number that I only give to <em>close</em> friends, proving they used the <em>deceptive</em> tactic to gain information. This is the latest in a set of <em>deceptive</em> <em>collection</em> <em>practices</em> this company has used, which has cost me more money out of pocket and the filing of a XXXX XXXX, which was recently dismissed."],"product":["Debt <em>collection</em>"]},"sort":[16.619303,"9264495"]},{"_index":"complaint-public-v1","_id":"12627495","_score":16.489958,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Lendly added fraudulent information on all 3 of my credit reports under different names. Under Transunion, the account is listed as XXXX, under XXXX it is listed as XXXXXXXX XXXX XXXX and under XXXX it is listed XXXX XXXX XXXX XXXX The have also sold the debt to a collector who has engaged in illegal debt collection practices. They state they have not reached out to me and the account was never owned by XXXX XXXX XXXX XXXX XXXX. They also claim, that my accusations are untrue. They blatantly lied about XXXX XXXX XXXX XXXXXXXX XXXX owning the account and reaching out to me. XXXX XXXX XXXX XXXXXXXX even responded back in case XXXX stating they were closing the account in their office. Please see XXXX 's response to case XXXX : XXXX, XXXX ( XXXX ) is in receipt of XXXX XXXX complaint dated XX/XX/XXXX. Initially, we note that the consumer mentions XXXX XXXX in the complaint. Please be advised XXXX is an authorized servicer of XXXX XXXX, a division of XXXX XXXXXXXX XXXX ( XXXX XXXX, and neither XXXX nor XXXX do business as, or are affiliated with, a XXXX XXXX. Prior to our receipt of this complaint, XXXX XXXX loan transferred to XXXX XXXX on or about XX/XX/XXXX and is currently neither owned by XXXX nor serviced by XXXX. In addition to our above investigation and response, we have communicated the consumers claims to his current loan servicer, XXXX XXXX, as a courtesy.Any further questions regarding this loan should be directed to XXXX XXXX. \n\nXXXX XXXX is XXXX XXXX XXXX XXXX XXXX. This account needs to be removed from my report. Not only did XXXX XXXX and XXXX  partake in illegal practices, they submitted fictitious documents and lied in their responses stating they haven't contacted me and the account was never with XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX. Also the agreements do not contain my signature anywhere. The collection listed by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) was removed from my report due to illegal debt collection practices and failure accurately verify the information. If this is no removed, I will have no other option but to gather my documents and turn it over to an attorney to pursue in Court. \n\nThe Fair Debt Collection Practices Act ( FDCPA ) protects consumers from abusive, unfair, or deceptive debt collection practices, which this lender has violated along with the debt collector they hired who submitted in writing that they were closing the account in their office and sending back to XXXX, XXXXXXXX XXXX XXXX or XXXX XXXX XXXX . They go by so many names.","date_sent_to_company":"2025-03-25T21:26:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77584","tags":null,"has_narrative":true,"complaint_id":"12627495","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-25T21:26:01.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The Fair Debt <em>Collection</em> <em>Practices</em> Act ( FDCPA ) protects consumers from abusive, unfair, or <em>deceptive</em> debt <em>collection</em> <em>practices</em>, which this lender has violated along with the debt collector they hired who submitted in writing that they were <em>closing</em> the account in their office and sending back to XXXX, XXXXXXXX XXXX XXXX or XXXX XXXX XXXX . They go by so many names."]},"sort":[16.489958,"12627495"]},{"_index":"complaint-public-v1","_id":"12633788","_score":16.467585,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX added fraudulent information on all 3 of my credit reports under different names. Under XXXX, the account is listed as XXXX, under Equifax it is listed as XXXX XXXX XXXX and under XXXX it is listed XXXX XXXX XXXX . The have also sold the debt to a collector who has engaged in illegal debt collection practices. They state they have not reached out to me and the account was never owned by XXXX XXXX XXXX XXXX XXXX. They also claim, that my accusations are untrue. They blatantly lied about XXXX XXXX XXXX XXXXXXXX XXXX owning the account and reaching out to me. XXXX XXXX XXXX XXXXXXXX even responded back in case XXXX stating they were closing the account in their office. Please see XXXX 's response to case XXXX : XXXX, XXXX ( XXXX ) is in receipt of XXXX XXXX complaint dated XX/XX/XXXX. Initially, we note that the consumer mentions XXXX XXXX in the complaint. Please be advised XXXX is an authorized servicer of XXXX XXXX, a division of XXXX XXXXXXXX XXXX ( XXXX  ), and neither XXXX nor XXXX do business as, or are affiliated with, a XXXX XXXX. Prior to our receipt of this complaint, XXXX XXXX loan transferred to XXXX XXXX on or about XX/XX/XXXX and is currently neither owned by XXXX nor serviced by XXXX. In addition to our above investigation and response, we have communicated the consumers claims to his current loan servicer, XXXX XXXX, as a courtesy.Any further questions regarding this loan should be directed to XXXX XXXX. \n\nXXXX XXXX is XXXX XXXX XXXX XXXXXXXX XXXX. This account needs to be removed from my report. Not only did XXXX XXXX and XXXX  partake in illegal practices, they submitted fictitious documents and lied in their responses stating they haven't contacted me and the account was never with XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX. Also the agreements do not contain my signature anywhere. The collection listed by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) was removed from my report due to illegal debt collection practices and failure accurately verify the information. If this is no removed, I will have no other option but to gather my documents and turn it over to an attorney to pursue in Court. \n\nThe Fair Debt Collection Practices Act ( FDCPA ) protects consumers from abusive, unfair, or deceptive debt collection practices, which this lender has violated along with the debt collector they hired who submitted in writing that they were closing the account in their office and sending back to XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX . They go by so many names.","date_sent_to_company":"2025-03-25T21:26:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77584","tags":null,"has_narrative":true,"complaint_id":"12633788","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-25T21:26:01.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The Fair Debt <em>Collection</em> <em>Practices</em> Act ( FDCPA ) protects consumers from abusive, unfair, or <em>deceptive</em> debt <em>collection</em> <em>practices</em>, which this lender has violated along with the debt collector they hired who submitted in writing that they were <em>closing</em> the account in their office and sending back to XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX . They go by so many names."]},"sort":[16.467585,"12633788"]},{"_index":"complaint-public-v1","_id":"13497858","_score":16.363592,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I was offered a written settlement by Essential Lending ( also known as Wise Loan ) to resolve my account for {$560.00} if paid by XX/XX/XXXX. This offer was confirmed both via email and on their online payment portal, which clearly stated that this one-time payment will close your account. \n\nI first submitted an offer according to their website on XX/XX/XXXX for {$300.00} to settle the account as submitting an offer to close the account was listed as an option. I followed-up on XX/XX/XXXX about the status of the offer and never received a response. I continued to receive messages to settle my account for 75 % off until XX/XX/XXXX. I then submitted the full settlement payment of {$560.00} on time, within the stated terms, and have documentation ( screenshots, payment confirmation ) showing the offer and compliance with it. \n\nThe company later refused to honor the terms, citing an earlier expiration date that was never disclosed in the offer or online. This misleading and conflicting information suggests deceptive or unfair practices. \n\nIn addition, the loan itself was structured with an extremely high and possibly unlawful interest rate with a 299 % interest rate, which made it difficult to keep up with payments despite efforts to do so. The terms were predatory in nature, and I believe this loan may violate state lending laws and/or federal consumer protection standards. \n\nAdditionally, loan documents and payment information is unavailable in both their online portal or their collections portal.","date_sent_to_company":"2025-05-13T16:23:03.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"29461","tags":null,"has_narrative":true,"complaint_id":"13497858","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Essential Lending Inc","date_received":"2025-05-13T15:45:41.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Additionally, <em>loan</em> documents and payment information is unavailable in both their online portal or their <em>collections</em> portal."],"product":["Payday <em>loan</em>, title <em>loan</em>, personal <em>loan</em>, or advance <em>loan</em>"],"sub_product":["Installment <em>loan</em>"]},"sort":[16.363592,"13497858"]},{"_index":"complaint-public-v1","_id":"16428093","_score":16.245611,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"On XX/XX/year>, I took out a small personal loan from Uprova Credit , LLC for {$1200.00}. After receiving the loan documents, I discovered that the annual percentage rate ( APR ) was 547.87 %, resulting in a finance charge of {$3500.00} and a total repayment amount of {$4700.00} over XXXX biweekly payments. Nothing close to what was promised. \nI live in Georgia, where payday lending and loans with interest rates this high are illegal under state law. Uprova is not licensed to lend in Georgia, yet they are issuing high-interest loans to residents through an online platform. The company appears to be using a tribal affiliation or out-of-state address to evade XXXX interest rate caps and consumer protection laws. \nThis extremely high interest rate and loan structure are predatory and exploitative. It places borrowers in a cycle of unaffordable debt. I am requesting that the CFPB investigate Uprova Credit , LLC for violating state XXXX and lending laws and for engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ). \nI am also seeking clarification on whether this loan is legally enforceable in Georgia and assistance in ensuring that it does not affect my credit report or result in unlawful collection attempts.","date_sent_to_company":"2025-10-07T07:03:20.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Installment loan","zip_code":"30248","tags":null,"has_narrative":true,"complaint_id":"16428093","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Uprova Credit, LLC","date_received":"2025-10-07T06:37:52.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I am requesting that the CFPB investigate Uprova Credit , LLC for violating state XXXX and lending laws and for engaging in unfair, <em>deceptive</em>, or abusive acts or <em>practices</em> ( UDAAP ). \nI am also seeking clarification on whether this <em>loan</em> is legally enforceable in Georgia and assistance in ensuring that it does not affect my credit report or result in unlawful <em>collection</em> attempts."],"product":["Payday <em>loan</em>, title <em>loan</em>, personal <em>loan</em>, or advance <em>loan</em>"],"sub_product":["Installment <em>loan</em>"]},"sort":[16.245611,"16428093"]},{"_index":"complaint-public-v1","_id":"8297045","_score":16.236612,"_source":{"product":"Debt collection","complaint_what_happened":"Fair Debt Collection Practices Act Violation There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. \n\nMedical debt is now the largest source of debt in collections, totaling more than credit cards, utilities and auto loans combined, according to the White House. \n\nOn XXXX the XXXX, XXXX, I received the attached letter demanding money. The demand letter was from Medical Revenue Service. LLC, the demand letter is requesting {$6200.00} which is incorrect. \n\nI XXXX XXXX disputes this allege Debt in its entirety. \n\nIn XXXX, I was diagnosed with XXXX  XXXX XXXX XXXX. Needless to say, upon finding out this information, my life was turned up-side down and changed forever. \n\nAs a result of my continues care and treatment, it has completely depleted my familys finances and any savings we were able to save. As you might imagine, my life and the life of my family has been changed forever as a result of this awful XXXX. \n\nDue to the late stages of my care, I am in the process of getting my house in order for the sake of my family. \n\nIn the interest of Consumer Focus, my family and I are requesting that you suspend your collection efforts and close your files. Additionally, please do not allow your office to have any Negative tag lines to be added to my credit report profile. \n\nFurthermore, per your contractual requirements, please close this account in your office and return it to your client ( XXXX ) for further review. \n\nAlong with this Complaint, a Formal Complaint will be filed with the of office of XXXX XXXX XXXX, Attorney General for the State of Florida. In addition, a complaint will be Filed with the office of XXXX XXXX XXXX, Insurance Commissioner office for the State of North Carolina against Medical Revenue Services LLC, Sincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-02-06T17:11:20.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"28214","tags":null,"has_narrative":true,"complaint_id":"8297045","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Medical Data Systems, Inc.","date_received":"2024-02-06T16:56:11.000Z","state":"NC","company_public_response":null,"sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["Fair Debt <em>Collection</em> <em>Practices</em> Act Violation There is abundant evidence of the use of abusive, <em>deceptive</em>, and unfair debt <em>collection</em> <em>practices</em> by many debt collectors. Abusive debt <em>collection</em> <em>practices</em> contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy."],"product":["Debt <em>collection</em>"]},"sort":[16.236612,"8297045"]},{"_index":"complaint-public-v1","_id":"17887102","_score":16.113527,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"I am filing a complaint against Citizens Savings & Loan in XXXX, TN regarding improper and unlawful collection practices involving a personal loan secured by household goods. \n\nIn XX/XX/year>, Citizens Savings & Loan sent a third-party repo contractor, XXXX XXXX XXXX XXXX , to my home. The repo agent arrived with a clipboard listing my household items and stated, I am here for the television. When I told him the items were not available, he stated, Okay, XXXX return with the sheriff, and left. There was no lawsuit, judgment, or replevin warrant in existence at that time.\n\nI contacted the branch the next business day. The representative initially denied any knowledge of someone being sent. Later, the visit appeared in Citizens internal notes.\n\nWhen I raised this issue in writing with the branch supervisor, she confirmed the following in email : 1. The repo contractor demanded the TV at my door.\n\n2. He stated he would return with the sheriff.\n\n3. Citizens considered obtaining a sheriff-served replevin warrant as the next step in their collection process.\n\nThese statements constitute violations of the FDCPA, including 15 U.S.C. 1692e ( 4 ), 1692e ( 5 ), 1692e ( 13 ), and 1692f ( 6 ), as well as deceptive collection practices under Tennessee law. Threatening sheriff involvement over household goods without any legal process is expressly prohibited.\n\nI brought the account current shortly after the incident and attempted to resolve this matter amicably by requesting that Citizens forgive the small remaining balance ( {$620.00} ). The company instead offered a 50 % settlement and did not address the conduct. \n\nI request that the CFPB review Citizens Savings & Loans practices and require them to forgive the remaining balance and close the account in good standing.\n\nI have copies of all emails confirming the illegal statements. The email thread is attached.","date_sent_to_company":"2025-11-29T19:23:34.000Z","issue":"Struggling to pay your loan","sub_product":"Payday loan","zip_code":"371XX","tags":null,"has_narrative":true,"complaint_id":"17887102","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Citizens Savings & Loan Corporation, Chattanooga, TN Branch","date_received":"2025-11-29T19:12:20.000Z","state":"TN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I request that the CFPB review Citizens Savings & <em>Loans</em> <em>practices</em> and require them to forgive the remaining balance and <em>close</em> the account in good standing.\n\nI have copies of all emails confirming the illegal statements. The email thread is attached."],"product":["Payday <em>loan</em>, title <em>loan</em>, personal <em>loan</em>, or advance <em>loan</em>"],"issue":["Struggling to pay your <em>loan</em>"],"company":["Citizens Savings & <em>Loan</em> Corporation, Chattanooga, TN Branch"],"sub_product":["Payday <em>loan</em>"]},"sort":[16.113527,"17887102"]},{"_index":"complaint-public-v1","_id":"11460045","_score":15.682707,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"this formal complaint against Ally Financial due to multiple instances of improper handling of my auto loan, inaccurate credit reporting, and potential violations of the Fair Debt Collection Practices Act ( FDCPA ). Below, I outline the issues : 1. Insurance Payment Not Applied to Loan Balance : On XX/XX/XXXX2024, my insurance provider made a payment to Ally Financial to cover the outstanding balance on my auto loan, including GAP coverage. \nDespite numerous attempts to contact Ally Financial via email and phone, the loan remains unpaid. I have repeatedly requested that Ally Financial apply the payment and close the loan balance, as required under the terms of GAP coverage, but they have failed to fulfill this responsibility. \n2. Continued Monthly Charges and Misrepresentation : On XX/XX/XXXX, 2024, at XXXX XXXX Ally Financial verbally assured me that they would not charge me further monthly payments. Despite this, I continue to be billed for the loan, further compounding financial and emotional distress. \n3. Inaccurate Credit Reporting : Ally Financial has added XXXX late payments to my credit report. \nXXXX late payment contains incorrect information, including the date and balance, which does not align with my account records. \nAnother late payment was added despite my contractual agreement for a roll-over period due to documented medical issues. This is a direct violation of the agreement and an unfair practice. \n4. Potential FDCPA Violations : Ally Financials actions appear to violate several provisions of the FDCPA, including but not limited to : 15 U.S.C. 1692e : Prohibition of false, deceptive, or misleading representations. The inaccurate reporting of late payments and the continued charging of monthly payments despite verbal assurances constitute deceptive practices. \n15 U.S.C. 1692f : Prohibition of unfair or unconscionable means to collect a debt. Continuing to bill for a loan after insurance has paid off the balance and failing to fulfill GAP coverage obligations may constitute unfair practices. \n15 U.S.C. 1692d : Prohibition of harassment or abuse. The ongoing billing and refusal to resolve the issue after numerous attempts to communicate may be construed as harassment. \n\nResolution Requested : I respectfully request the CFPB to investigate Ally Financials handling of my account and take the following actions : 1. Require Ally Financial to immediately apply the insurance payment to the loan balance, close the account, and cease all further billing. \n2. Remove the inaccurate late payments from my credit report. \n3. Conduct an internal review of Ally Financials compliance with FDCPA regulations and take enforcement actions as necessary.\n\n4. Provide compensation for the financial and emotional distress caused by these ongoing issues. \n\nI have attached supporting documentation, including correspondence with Ally Financial, records of the insurance payment, and a copy of the loan agreement outlining the GAP coverage terms. \n\nInformation regarding vehicle & account Please see the attached total loss letter and estimate from XXXX for the GAP claim on Ally account XXXX  XXXX on the below vehicle : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX","date_sent_to_company":"2025-01-10T04:56:54.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"33547","tags":null,"has_narrative":true,"complaint_id":"11460045","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-01-10T04:27:05.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["this formal complaint against Ally Financial due to multiple instances of improper handling of my auto <em>loan</em>, inaccurate credit reporting, and potential violations of the Fair Debt <em>Collection</em> <em>Practices</em> Act ( FDCPA ). Below, I outline the issues : 1. Insurance Payment Not Applied to <em>Loan</em> Balance : On XX/XX/XXXX2024, my insurance provider made a payment to Ally Financial to cover the outstanding balance on my auto <em>loan</em>, including GAP coverage."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Managing the <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"],"sub_issue":["Problem with additional products or services purchased with the <em>loan</em>"]},"sort":[15.682707,"11460045"]},{"_index":"complaint-public-v1","_id":"10611731","_score":15.614233,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"RE : Deceptive and Inaccurate Reporting, from XXXX XXXX XXXX reporting on EXPERIAN CREDIT REPORT from XX/XX/XXXX XX/XX/XXXX Please understand I deny any and all claims. I am requesting verification of this debt with the original purchase agreement and XXXX XXXX as well as tracking information from the mailed notices/documents of alleged delinquent account. \n\nXXXX XXXX is not asking for a printed piece of paper with a name and an address but an actual tracking number as evidence of compliance with 15 USC XXXX as XXXX XXXX is in direct violation of FTC XXXX for reporting this account as delinquent or late. \n\nXXXX XXXX has also violated FTC XXXX for further placing account in collections and closing account resulting in negative results on XXXX XXXX and family by imposing significant risks as this has caused the credit score to drop dramatically and ultimately limiting areas available for living. This has also caused unjust and undue increased payments for insurance, inability to purchase everyday items, vehicles, loans, etc. \n\nXXXX XXXX is violating FCRA with inaccurate and unfair reporting as it has reported this account in collections for XXXX consecutive months from XXXX XXXX XX/XX/XXXX. The following month XX/XX/XXXX is reported as no data. Followed by immediately reporting in collections again on XX/XX/XXXX. How can the accounting be fair and accurate when it is in collections for years, XXXX month unaccounted for and back in collections the following month? \n\nXXXX XXXX also demands documentary evidence regarding how this account status as a collections '' account with the amount recorded. The XXXX accounting is required to verify and validate the account was credited or debited and if a tax credit was issued for this account and if so, the amount of the credit issued. \n\nXXXX has also violated the FCRA 15 USC XXXX as it knowingly furnished false information to CRAs per the above-mentioned reasons. \n\nXXXX XXXX is demanding documentary evidence of full disclosure when funding for this alleged loan was created in regards to bookkeeping entries. \n\nXXXX XXXX is demanding to see documentation of ANY and ALL notices/documents \" in the form of, and reasonably could be interpreted or construed as, a bill, invoice, or statement of account due and proof of the mailing ( tracking number ) of said documents as XXXX XXXX is committing mail fraud as described in XXXX XXXX Code XXXX - Nonmailable matter. \n\nIf full disclosure was not made, unfair and deceptive practices utilized along with XXXX accounting principles violated, didnt XXXX XXXX in turn make this alleged agreement null and void? Yes or XXXX? \n\nBased on all the matters above this constitutes FTC unfair and deceptive practices as well violating the Dodd-Frank Act for UDAAP that have caused unwarranted health and safety risks as XXXX XXXX has been unable to acquire safe housing and was unable to afford health and dental care or receive credit cards or loans to obtain necessary treatment. Transportation and the ability to purchase a safe necessary vehicle which has in turn effect resulted in loss of employment opportunities. A lack of available credit and damage to credit score has affected the ability of XXXX XXXX to provide every day consumer essentials such as food, shelter and basic commodities.","date_sent_to_company":"2024-10-29T22:11:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"326XX","tags":null,"has_narrative":true,"complaint_id":"10611731","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-29T22:11:51.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["If full disclosure was not made, unfair and <em>deceptive</em> <em>practices</em> utilized along with XXXX accounting principles violated, didnt XXXX XXXX in turn make this alleged agreement null and void? Yes or XXXX?"]},"sort":[15.614233,"10611731"]},{"_index":"complaint-public-v1","_id":"10610585","_score":15.596041,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"RE : Deceptive and Inaccurate Reporting, from XXXX XXXX XXXX reporting on XXXX CREDIT REPORT from XX/XX/XXXX XX/XX/XXXX Please understand I deny any and all claims. I am requesting verification of this debt with the original purchase agreement and XXXX XXXX as well as tracking information from the mailed notices/documents of alleged delinquent account. \n\nXXXX XXXX is not asking for a printed piece of paper with a name and an address but an actual tracking number as evidence of compliance with XXXX XXXX XXXX as XXXX XXXX is in direct violation of FTC XXXX for reporting this account as delinquent or late. \n\nXXXX XXXX has also violated FTC XXXX for further placing account in collections and closing account resulting in negative results on XXXX XXXX and family by imposing significant risks as this has caused the credit score to drop dramatically and ultimately limiting areas available for living. This has also caused unjust and undue increased payments for insurance, inability to purchase everyday items, vehicles, loans, etc. \n\nXXXX XXXX is violating FCRA with inaccurate and unfair reporting as it has reported this account in collections for XXXX consecutive months from XXXX XXXX XX/XX/XXXX. The following month XX/XX/XXXX is reported as no data. Followed by immediately reporting in collections again on XX/XX/XXXX. How can the accounting be fair and accurate when it is in collections for years, XXXX month unaccounted for and back in collections the following month? \n\nXXXX XXXX also demands documentary evidence regarding how this account status as a collections '' account with the amount recorded. The XXXX accounting is required to verify and validate the account was credited or debited and if a tax credit was issued for this account and if so, the amount of the credit issued. \n\nXXXX has also violated the FCRA XXXX XXXX XXXX as it knowingly furnished false information to CRAs per the above-mentioned reasons. \n\nXXXX XXXX is demanding documentary evidence of full disclosure when funding for this alleged loan was created in regards to bookkeeping entries. \n\nXXXX XXXX is demanding to see documentation of ANY and ALL notices/documents \" in the form of, and reasonably could be interpreted or construed as, a bill, invoice, or statement of account due and proof of the mailing ( tracking number ) of said documents as XXXX XXXX is committing mail fraud as described in XXXX XXXX Code XXXX - Nonmailable matter. \n\nIf full disclosure was not made, unfair and deceptive practices utilized along with XXXX accounting principles violated, didnt XXXX XXXX in turn make this alleged agreement null and void? Yes or XXXX? \n\nBased on all the matters above this constitutes FTC unfair and deceptive practices as well violating the DXXXX XXXX  for XXXX that have caused unwarranted health and safety risks as XXXX XXXX has been unable to acquire safe housing and was unable to afford health and dental care or receive credit cards or loans to obtain necessary treatment. Transportation and the ability to purchase a safe necessary vehicle which has in turn effect resulted in loss of employment opportunities. A lack of available credit and damage to credit score has affected the ability of XXXX XXXX to provide every day consumer essentials such as food, shelter and basic commodities.","date_sent_to_company":"2024-10-29T22:11:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"326XX","tags":null,"has_narrative":true,"complaint_id":"10610585","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-10-29T22:11:51.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["If full disclosure was not made, unfair and <em>deceptive</em> <em>practices</em> utilized along with XXXX accounting principles violated, didnt XXXX XXXX in turn make this alleged agreement null and void? Yes or XXXX?"]},"sort":[15.596041,"10610585"]},{"_index":"complaint-public-v1","_id":"10604293","_score":15.590524,"_source":{"product":"Mortgage","complaint_what_happened":"I am filing this complaint with deep urgency, as I am a XXXX XXXX patient with limited time, battling health and financial hardships. For the past XXXX  months and XXXX weeks, I have been attempting to sell my home, only to be blindsided by a fraudulent second mortgage claim made by XXXX XXXX XXXX XXXX ( XXXX XXXX ), Specialized Loan Servicing ( SLS ) & XXXX MI. These companies has asserted that I signed a second mortgage when I bought my home in XXXX, but for the past 19 years, I have never made a single payment, nor was I ever informed of the existence of this second mortgage until the week of closing the sale of my home. I strongly believe that this mortgage claim is fraudulent, based on XXXX XXXX XXXX SLS well-documented history of deceptive practices. ** I am requesting an immediate and thorough investigation into the practices of XXXX XXXX XXXX XXXX, SLS XXXX XXXX MI as this situation has caused me immense emotional, financial, and health-related harm. I have tried all avenues of communication with the mortgage company, but they either refuse to answer my questions or hang up the phone rudely. Given the severe circumstances, this fraudulent second mortgage claim must be resolved, as it is delaying the sale of my home and exacerbating my financial distress. I have also contacted XXXX XXXX  & demand proof of debt validity as well they rudely hang just as the others. \n\nKey Facts of My Case : Attempt to Sell My Home : A few months ago, I began the process of selling my home, which I have owned since XXXX. During the week of my scheduled closing, a second mortgage claim from XXXX XXXX was suddenly brought to my attention, stating that I had signed a second mortgage at the time of purchase. \nNo Prior Communication or Payment Request : In XXXX  years, I have never been contacted about this alleged second mortgage by XXXX XXXX, nor have they attempted to collect any payments. I was completely unaware of its existence until I attempted to sell my home. \nSuspicious Timing and Lack of Communication : When I reached out to XXXX  XXXX for an explanation of why they never attempted to collect payments or inform me of this mortgage, their representatives either avoided answering or hung up the phone on multiple occasions. \nFraudulent Practices : Based on my own research, I have discovered that XXXX XXXX XXXX XXXX has been involved in numerous lawsuits for similar fraudulent actions, where second mortgages were taken out without the homeowners full knowledge or understanding. \n\nLegal Precedents Supporting My Case : XXXX XXXX has a documented history of engaging in fraudulent mortgage practices. Below are cases that illustrate their pattern of misconduct : XXXX v. XXXX XXXX XXXX. XXXX ( XXXX ) : This case exposed XXXX XXXX use of fraudulent brokers and deceptive mortgage terms that were hidden from homeowners. \nXXXX v. XXXX XXXX XXXX. XXXX : A case involving deceptive practices, wherein XXXX XXXX misled borrowers about loan terms. \nXXXX et al. v. XXXX XXXX XXXX XXXX : This class-action lawsuit revealed the companys involvement in predatory lending, particularly targeting vulnerable homeowners. \nXXXX XXXX XXXX XXXX XXXX XXXX : Another case that highlighted fraudulent mortgage practices, with XXXX XXXX being a key player in exploiting uninformed borrowers. \nThese cases demonstrate that XXXX XXXX practices align with what I have experienced, further indicating potential fraud. \n\nThe second company I am filing a complaint on is Specialized Loan Servicing ( SLS ), As they are trying to claim a interest in my property as well. My family & I have also done research on SLS as well as they have a history of engaging in fraudulent mortgage practices & faced several lawsuits and regulatory scrutiny, especially for allegations related to mortgage servicing practices & debt collection methods. We have discovered this claim through channels like the CFPB and Other Regulatory Actions such as some state attorneys general have fined and sanctioned SLS over the years for practices considered deceptive or improper in mortgage servicing, Class Action Lawsuits. SLS has also faced multiple class-action lawsuits claiming misconduct in mortgage servicing many cases cite issues like unauthorized fees, improper charges, wrongful foreclosures, and communication lapses. These cases demonstrate SLSs history of fraud & what there trying to do to me & my family as well.\n\nThese are just a few of the Legal precedents supporting my case : 1. Consumer Financial Protection Bureau ( CFPB ) Settlement ( XXXX ) Summary : The CFPB investigated SLS for violations of the Real Estate Settlement Procedures Act ( RESPA ) and Regulation X. The investigation revealed that SLS improperly foreclosed on borrowers who were entitled to protection and failed to provide necessary evaluation notices. \nOutcome : SLS agreed to a settlement of {$1.00} XXXX, which included restitution to affected borrowers and a civil penalty 2. Quinn v. Specialized Loan Servicing, LLC ( XXXX ) Summary : Plaintiffs alleged that SLS violated the Fair Debt Collection Practices Act ( FDCPA ) by leaving misleading door hangers at their residence, suggesting legal action was imminent if a debt was not paid.\n\nOutcome : The court denied SLS 's motion to dismiss, allowing the case to proceed, indicating that the allegations, if proven, could constitute a violation of the FDCPA 3. Gordon v. Specialized Loan Servicing LLC ( XXXX ) Summary : The plaintiff claimed that SLS violated the FDCPA by attempting to collect a debt that was not owed and by using deceptive means.\n\nOutcome : The court found that the plaintiff had stated a plausible claim for relief under the FDCPA, allowing the ca\nse to move forward 4. Forbes v. Specialized Loan Servicing, LLC ( XXXX ) Summary : The plaintiff alleged that SLS engaged in unlawful debt collection practices by attempting to collect a debt that had been discharged in bankruptcy.\n\nOutcome : The court held that SLS 's actions could constitute a violation of the FDCPA, permitting the lawsuit to proceed 5. Jones v. Specialized Loan Servicing, LLC ( 2023 ) Summary : The plaintiff accused SLS of violating the Maryland Mortgage Fraud Protection Act by misrepresenting the amount owed and attempting to collect unauthorized fees.\n\nOutcome : The court denied SLS 's motion to dismiss, indicating that the allegations were sufficient to state a claim under the Act 6. Class Action Lawsuit for Unlawful Mortgage Assessment ( XXXX ) Summary : A class action lawsuit was filed against SLS, alleging the unlawful assessment and attempted collection of amounts on second mortgages that had been previously charged off.\n\nOutcome : The case alleges that SLS 's actions violated consumer protection laws ; proceedings are ongoing 7. Alvarez v. NewRez LLC ( 2024 ) Summary : The plaintiff alleges that SLS, which merged into Shellpoint Mortgage Servicing, unlawfully collected payment processing fees from borrowers who made mortgage payments by phone, violating state debt collection laws.\n\nOutcome : The lawsuit contends that these \" pay-to-pay '' fees were not authorized by borrowers ' mortgage agreements, and the case is currently pending 8. Class Action Settlement - Mortgage Misrepresentation ( 2008-2010 ) Jurisdiction : Multiple states ( California, Illinois, New York ) Summary : In a multi-state class action, SLS was accused of misrepresenting mortgage loan terms, improper debt collection, and engaging in mortgage servicing practices that allegedly misled borrowers.\n\nOutcome : The settlement required SLS to reimburse borrowers and implement corrective practices. This case highlighted systemic issues in SLSs mortgage servicing and debt collection, including adding charges not stipulated in the loan agreements.\n\nImpact on My Life : This situation has caused extreme financial hardship, health-related stress, and family turmoil. I have been battling XXXX throughout this XXXX ordeal, and the stress of this fraudulent second mortgage claim has only worsened my condition. My family has also suffered as a result of this situation, and we are under significant financial strain due to the inability to sell my home. \n\nViolations : I believe XXXX XXXX XXXX XXXX & SLS are in violation of multiple laws, including but not limited to : Truth in Lending Act ( TILA ) Failure to properly disclose the existence of a second mortgage.\n\nReal Estate Settlement Procedures Act ( RESPA ) Failure to provide clear information about mortgage terms and payment obligations. \nFair Debt Collection Practices Act ( FDCPA ) Engaging in deceptive and unfair debt collection practices.\n\nState Consumer Protection Laws Unfair and deceptive business practices as outlined by state consumer protection statutes.\n\nFair Credit Reporting Act ( FCRA ) -Violation : If the mortgage company improperly reported the second mortgage on your credit report or allowed inaccurate information to remain on your report, they could be in violation of the FCRA . This act mandates that all information provided to credit reporting agencies is accurate and verifiable. \nXXXX XXXX  Fraud This mortgage was obtained during the subprime mortgage crisis of XXXX, and I believe I am a victim of fraudulent practices tied to that period. \nState Mortgage Fraud Statutes Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Home Ownership and Equity Protection Act ( HOEPA ) Gramm-Leach-Billey Act ( GLBA ) Fraud Misrepresentation ( Common Law Fraud ) RICO Act Statute of Limitations for Debt Collection Contract Law ( Breach of Contract ) Additional Actions : State Attorney General : I will also be filing a formal complaint with the State Attorney General to further investigate this company for potential violations of state law and fraudulent practices.\n\nHUD Complaint : I am considering filing a complaint with the U.S. Department of Housing and Urban Development ( HUD ), as the mortgage companys behavior may violate fair lending practices. \nQuiet Title ( Law Suit ) FTC complaint Request for Immediate Action : In light of these facts, I am requesting that the CFPB, State Attorney General, and FTC take immediate action to : Open a formal investigation into XXXX XXXX XXXX XXXX SLS & XXXX MI for fraudulent practices related to undisclosed second mortgages. \nInvestigate the validity of the second mortgage and determine if it was legally and properly disclosed to me as the homeowner. \nProvide me with relief, including the potential cancellation or nullification of the second mortgage, which was never brought to my attention until XXXX  years later. \nXXXX XXXX XXXX & SLS accountable for its history of deceptive and predatory mortgage practices, as demonstrated by the cases cited above. \nLegal Remedies Conclusion : I am a XXXX XXXX patient with limited time and this situation is causing severe harm to my family and me. I ask for your help in holding XXXX XXXX, SLS XXXX XXXX MI accountable for their deceptive actions and fraudulent mortgage practices. Given the urgency of my health and financial condition, I implore you to prioritize this investigation and help resolve this matter as swiftly as possible, Please do not hesitate to contact me for any additional information you need for my case. \nThank you for your time and attention to this critical issue. I trust in your authority to pursue justice in this case.","date_sent_to_company":"2024-10-28T04:06:10.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"206XX","tags":"Older American","has_narrative":true,"complaint_id":"10604293","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2024-10-28T03:57:07.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Paying off the loan"},"highlight":{"complaint_what_happened":["Fair Debt <em>Collection</em> <em>Practices</em> Act ( FDCPA ) Engaging in <em>deceptive</em> and unfair debt <em>collection</em> <em>practices</em>.\n\nState Consumer Protection Laws Unfair and <em>deceptive</em> business <em>practices</em> as outlined by state consumer protection statutes.\n\nFair Credit Reporting Act ( FCRA ) -Violation : If the mortgage company improperly reported the second mortgage on your credit report or allowed inaccurate information to remain on your report, they could be in violation of the FCRA ."],"sub_issue":["Paying off the <em>loan</em>"]},"sort":[15.590524,"10604293"]},{"_index":"complaint-public-v1","_id":"4970663","_score":15.582285,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Wells Fargo illegally repossessed my vehicle as well as violated my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681, Fair Debt Collection Practices Act 15 USC 1692 and Deceptive Trade Practices. \n\nOn XX/XX/2021, I obtained an auto loan through Wells Fargo Bank, N.A. Shortly thereafter, I become incapacitated with XXXX and was XXXX for two months. \n\nSubsequently, after my release from the XXXX, I made contact with Wells Fargo on XX/XX/2021, in an attempt make payment arrangements as Id fallen behind on my payment 45 days. Id also received communication via email regarding Wells Fargos Covid payment deferment option. \n\nDECEPTIVE TRADE PRACTICES After explaining my recent bout with XXXX XXXX and XXXX I was told by the Wells Fargo representative I didnt qualify for the Covid payment deferment because the COVID deferment plan was no longer available. \n\nWells Fargo advertised services, more specifically, the COVID deferment plan, without intent to supply a reasonable public demand. In fact, by denying customer access to the services made available to others is not only deceptive but discriminatory. \n\nAdditionally, Wells Fargo failed provide an intent to repossess notice, prior to repossession as well as an TIMELY intent to sale notice, after repossession. Also, a recorded phone conversation with a Wells Fargo Representative verified my contact information and/or phone number on file was not correct. \n\nA Wells Fargo representative informed me the address on file was erroneous as it did not include my apartment number. The representative also verified, prior to the repossession, Wells Fargo was in receipt of a returned mail, notification on my account. \n\nMy account was updated AFTER the repossession and seven days AFTER the repossession I received a notice of intent to sale via email. \n\nFAIR DEBT COLLECTION PRACTICES ACT According to the Fair Debt Collection Practices Act, a debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt. \n\nSubsequently, Wells Fargos disregard of the returned mail notices verified Wells Fargo was aware mail was not being received and as a result proper notice of the attempt to collect the debt was not effectuate. However, Wells Fargo proceeded with repossession as if it ( Wells Fargo ) had met its legal burden. \n\nMoreover, Wells Fargo misrepresented its actions by feigning compliance, with its pseudo debt collection efforts, by updating its systems with the corrected address and contact information AFTER the repossession. \n\nBy continuing with the repossession with full knowledge and forethought of its non compliant actions Wells Fargos practices are unfair and unconscionable. \n\nFAIR CREDIT REPORTING ACT Wells Fargo, with full intent and knowledge of its unfair and deceptive trade practices, refused to make available its previously advertised COVID deferment plan to all customers. Wells Fargo knew it had purposely withheld financial assistance and with circumspection was adamant in communicating negative information known to be false, to the credit repositories. \n\nMoreover, It is well settled Wells Fargo has habitually engaged in actions harmful to the consumer. \n\nIn closing, Im requesting a thorough investigation and that I be made whole by returning the repossessed vehicle to me and affording the same opportunity to take advantage of the COVID 19 deferment plan.","date_sent_to_company":"2021-12-02T05:29:20.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"75115","tags":null,"has_narrative":true,"complaint_id":"4970663","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-12-02T05:21:18.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Denied request to lower payments"},"highlight":{"complaint_what_happened":["Wells Fargo illegally repossessed my vehicle as well as violated my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681, Fair Debt <em>Collection</em> <em>Practices</em> Act 15 USC 1692 and <em>Deceptive</em> Trade <em>Practices</em>. \n\nOn XX/XX/2021, I obtained an auto <em>loan</em> through Wells Fargo Bank, N.A. Shortly thereafter, I become incapacitated with XXXX and was XXXX for two months."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Struggling to pay your <em>loan</em>"],"sub_product":["<em>Loan</em>"]},"sort":[15.582285,"4970663"]},{"_index":"complaint-public-v1","_id":"16870786","_score":15.546547,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"On XX/XX/, I entered into an agreement with Acima Credit to obtain a set of rings. I was told by the representative at the store that this was a loan or financing plan and that if I made weekly payments, I could pay off the balance early and avoid additional charges or interest. \n\nAfter making consistent payments, I discovered that Acima is actually a lease-to-own company, not a financing or loan provider something that was never disclosed or clearly explained at the time of signing. Because of this, I have now paid well over the total value of the rings, yet Acima continues to claim that I owe over {$1000.00} more to own them outright. \n\nI contacted Acima to dispute the account and informed them that I would not make additional payments due to this misrepresentation. I also requested a full accounting of my payments and contract terms, but I have not received a satisfactory response. \n\nI believe Acima misled me about the nature and cost of the agreement, violating consumer protection and lending disclosure laws. I am requesting that Acima close the account with no further obligation, cease all collection or credit reporting activity, and that the CFPB review this companys deceptive lease-to-own practices.","date_sent_to_company":"2025-10-28T18:02:29.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Personal line of credit","zip_code":"60532","tags":null,"has_narrative":true,"complaint_id":"16870786","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ACIMA CREDIT, LLC","date_received":"2025-10-28T17:54:05.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I am requesting that Acima <em>close</em> the account with no further obligation, cease all <em>collection</em> or credit reporting activity, and that the CFPB review this companys <em>deceptive</em> lease-to-own <em>practices</em>."],"product":["Payday <em>loan</em>, title <em>loan</em>, personal <em>loan</em>, or advance <em>loan</em>"]},"sort":[15.546547,"16870786"]},{"_index":"complaint-public-v1","_id":"14861239","_score":15.45512,"_source":{"product":"Debt collection","complaint_what_happened":"I filing a complaint regarding the unethical and predatory lending and collection practices initiated by XXXX and continued through Midland Credit Management and then XXXX XXXX XXXX. These actions have caused significant financial harm, emotional distress, and appear to violate both consumer protection and fair debt collection laws. \nXXXX XXXX by XXXX : XXXX approved me for multiple high-interest loans despite clear indications that I was financially incapable of affording them. These approvals were made without any responsible underwriting or consideration of my creditworthiness, which was severely impaired at the time. It is evident that XXXX sole intent was to close the sale, regardless of the long-term financial consequences to the consumer. They took advantage of my financial vulnerability, encouraging loans I could not afford, and then promptly sold the debt. \nUnfair Debt Collection by Midland Credit Management : After XXXX  sold the debt, it was transferred to Midland Credit Management, who failed to validate the legitimacy of the debt amount. I was never provided with a proper breakdown of the debt, nor was I given the opportunity to settle it. Despite numerous efforts to seek clarity and resolution, Midland never offered or negotiated a fair settlement, choosing instead to escalate the matter to legal action without proper transparency or communication. \nAbusive Legal Practices by XXXX XXXX XXXX : Subsequently, the account was handed over to XXXX XXXX XXXX, who engaged in aggressive and deceptive legal tactics. I received a letter indicating wage garnishment had already been enactedwithout ever being given an opportunity to establish affordability or set up payment arrangements. Over {$1000.00} was garnished from a previous employer without prior court discussion or a reasonable opportunity to contest or negotiate the amount. \nAfter this, XXXX XXXX XXXX proceeded to issue a new garnishment order to my current employer, for a judgment amount that was higher than the original balance, despite the {$1000.00} already taken. This appears not only unethical, but potentially unlawful, as it disregards the payments already made and inflates the balance unjustly. \nWhen I contacted XXXX XXXX XXXX by phone, the paralegal explicitly stated they had no obligation to offer a settlement or payment plan, and falsely claimed I had no legal right to stop the garnishment in court. I was told my only option was to make a XXXXtime lump sum payment of nearly {$4000.00}, or risk further court actions and increased fees. These intimidation tactics were misleading, coercive, and in violation of fair debt collection practices. \nSummary In summary, I believe the following violations and abuses have occurred : Predatory lending practices by XXXX toward financially vulnerable consumers. \nFailure to validate debt and offer settlement by Midland Credit Management. \nDeceptive, coercive legal threats and wage garnishment without due process by XXXX XXXX XXXX. \nDouble garnishment and inflated judgment balance after partial repayment. \nI respectfully request that this matter be investigated, and that all parties involvedXXXX, Midland Credit Management, and XXXX XXXX XXXXbe held accountable for their actions. \nI am seeking : XXXX. A full accounting and validation of the original debt, including interest and payment history. \nXXXX. A review and potential reversal of unjust garnishment actions. \nXXXX. Sanctions against the parties involved for deceptive and unlawful practices. \nXXXX. Assistance in negotiating a fair and affordable resolution. \nThank you for your time and attention to this matter.","date_sent_to_company":"2025-08-28T21:22:39.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"61103","tags":null,"has_narrative":true,"complaint_id":"14861239","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2025-07-24T16:06:23.000Z","state":"IL","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["I filing a complaint regarding the unethical and predatory lending and <em>collection</em> <em>practices</em> initiated by XXXX and continued through Midland Credit Management and then XXXX XXXX XXXX. These actions have caused significant financial harm, emotional distress, and appear to violate both consumer protection and fair debt <em>collection</em> laws. \nXXXX XXXX by XXXX : XXXX approved me for multiple high-interest <em>loans</em> despite clear indications that I was financially incapable of affording them."],"product":["Debt <em>collection</em>"]},"sort":[15.45512,"14861239"]},{"_index":"complaint-public-v1","_id":"14861922","_score":15.450596,"_source":{"product":"Debt collection","complaint_what_happened":"I filing a complaint regarding the unethical and predatory lending and collection practices initiated by XXXX and continued through XXXX XXXX XXXX and then Kohn Law Firm. These actions have caused significant financial harm, emotional distress, and appear to violate both consumer protection and fair debt collection laws.\n\nPredatory Lending by XXXX : XXXX approved me for multiple high-interest loans despite clear indications that I was financially incapable of affording them. These approvals were made without any responsible underwriting or consideration of my creditworthiness, which was severely impaired at the time. It is evident that XXXX sole intent was to close the sale, regardless of the long-term financial consequences to the consumer. They took advantage of my financial vulnerability, encouraging loans I could not afford, and then promptly sold the debt. \nUnfair Debt Collection by XXXX XXXX XXXX : After XXXX  sold the debt, it was transferred to XXXX XXXX XXXX, who failed to validate the legitimacy of the debt amount. I was never provided with a proper breakdown of the debt, nor was I given the opportunity to settle it. Despite numerous efforts to seek clarity and resolution, XXXX never offered or negotiated a fair settlement, choosing instead to escalate the matter to legal action without proper transparency or communication. \nAbusive Legal Practices by Kohn Law Firm : Subsequently, the account was handed over to Kohn Law Firm, who engaged in aggressive and deceptive legal tactics. I received a letter indicating wage garnishment had already been enactedwithout ever being given an opportunity to establish affordability or set up payment arrangements. Over {$1000.00} was garnished from a previous employer without prior court discussion or a reasonable opportunity to contest or negotiate the amount.\n\nAfter this, Kohn Law Firm proceeded to issue a new garnishment order to my current employer, for a judgment amount that was higher than the original balance, despite the {$1000.00} already taken. This appears not only unethical, but potentially unlawful, as it disregards the payments already made and inflates the balance unjustly.\n\nWhen I contacted Kohn Law Firm by phone, the paralegal explicitly stated they had no obligation to offer a settlement or payment plan, and falsely claimed I had no legal right to stop the garnishment in court. I was told my only option was to make a one-time lump sum payment of nearly {$4000.00}, or risk further court actions and increased fees. These intimidation tactics were misleading, coercive, and in violation of fair debt collection practices.\n\nSummary In summary, I believe the following violations and abuses have occurred : Predatory lending practices by XXXX toward financially vulnerable consumers. \nFailure to validate debt and offer settlement by XXXX XXXX XXXX. \nDeceptive, coercive legal threats and wage garnishment without due process by Kohn Law Firm.\n\nDouble garnishment and inflated judgment balance after partial repayment.\n\nI respectfully request that this matter be investigated, and that all parties involvedXXXX, XXXX XXXX XXXX, and Kohn Law Firmbe held accountable for their actions.\n\nI am seeking : 1. A full accounting and validation of the original debt, including interest and payment history.\n\n2. A review and potential reversal of unjust garnishment actions.\n\n3. Sanctions against the parties involved for deceptive and unlawful practices.\n\n4. Assistance in negotiating a fair and affordable resolution.\n\nThank you for your time and attention to this matter.","date_sent_to_company":"2025-07-24T16:06:55.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"61103","tags":null,"has_narrative":true,"complaint_id":"14861922","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kohn Law Firm S.C.","date_received":"2025-07-24T15:41:40.000Z","state":"IL","company_public_response":null,"sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["I filing a complaint regarding the unethical and predatory lending and <em>collection</em> <em>practices</em> initiated by XXXX and continued through XXXX XXXX XXXX and then Kohn Law Firm. These actions have caused significant financial harm, emotional distress, and appear to violate both consumer protection and fair debt <em>collection</em> laws.\n\nPredatory Lending by XXXX : XXXX approved me for multiple high-interest <em>loans</em> despite clear indications that I was financially incapable of affording them."],"product":["Debt <em>collection</em>"]},"sort":[15.450596,"14861922"]},{"_index":"complaint-public-v1","_id":"9080454","_score":15.421084,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX is continuously negatively reporting on my credit report. I need this item removed from my credit report but it keeps coming back. When I call the phone number provided it is not in service. The phone rings and then makes a constant busy signal. Unable to get through. \n\nThis company continues to attempt to collect under the name of XXXX XXXX and have again started reporting to the credit reporting agencies charge off and late payments on my credit report particulary with Equifax, XXXX and XXXX and more importantly after being sued by the attorney general of California. \n\nRead Article below Bureaus First Online Lending Action Seeks Refund of Illegally Collected Money XXXX, D.C. Today the Consumer Financial Protection Bureau ( CFPB ) took its first action against an online loan servicer, XXXX XXXX, its owner, its subsidiary, and its affiliate, for collecting money consumers did not owe. The CFPB alleges that the defendants engaged in unfair, deceptive, and abusive practices, including illegally debiting consumer checking accounts for loans that were void. \n\nToday we are taking action against XXXX for collecting money it had no right to take from consumers, said CFPB XXXX XXXX XXXX. Online lending is rapidly growing and deserves ample regulatory attention. The Consumer Financial Protection Bureau will take action against online lenders and servicers that engage in unfair, deceptive, or abusive practices. \n\nXXXX XXXX, its subsidiary, XXXX XXXX XXXX XXXX and its affiliate, XXXX XXXX XXXX XXXX a Nevada collection agency , are all under the common ownership of XXXX XXXX XXXX XXXX The Bureaus investigation discovered that beginning in late XXXX, XXXX and XXXXXXXX XXXX  entered into an arrangement with XXXX XXXX XXXX, a XXXX XXXX online lender. XXXX XXXX XXXX asserted state laws did not apply to its business because it was based on an XXXX reservation and owned by a member of the XXXX XXXX XXXX XXXX. But this relationship with a tribe does not exempt XXXX XXXX from having to comply with state laws when it makes loans over the Internet to consumers in various states. \n\nThe loans ranged from {$850.00} to {$10000.00}, and typically had upfront fees, lengthy repayment terms, and annual interest rates from nearly XXXX percent to XXXX percent. Many consumers signed loan agreements permitting loan payments to be debited directly from their bank accounts, similar to a payday lender. The loans were then acquired by XXXX XXXX and serviced by XXXX. \n\nIn XX/XX/XXXX, XXXX XXXX stopped making loans and began to shut down its business after several states began investigations and court actions. But XXXX and its collection agency, XXXX, have continued to take monthly installment payments from consumers bank accounts or have otherwise sought to collect money from borrowers. \n\nThe XXXX complaint alleges that defendants XXXX, XXXX XXXX, XXXX, and XXXX have violated the Consumer Financial Protection Acts prohibitions on unfair, deceptive, and abusive acts and practices. The Bureaus investigation showed that the high-cost loans violated either licensing requirements or interest-rate caps or both in at least eight states : Arizona, Arkansas, Colorado, Indiana, Massachusetts, New Hampshire XXXX New York XXXX and North Carolina. Under statutes in at least these eight states, any obligation to pay such loans was rendered void or otherwise nullified in whole or in part by law. Therefore, the defendants are collecting money that consumers do not owe. \n\nUnder the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPB has the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. To that end, the Bureau seeks : Monetary relief, damages, and civil penalties : The CFPB wants XXXX to refund consumers the money that they took from them where the loans were void or the consumers obligation was otherwise nullified. The Bureaus complaint also seeks additional damages and civil penalties. \nNo further violations of federal consumer laws : The Bureau wants the defendants to adhere to all federal consumer financial protection laws, including prohibitions on unfair, deceptive, and abusive acts and practices.\n\nThis is the first CFPB online lending lawsuit. The Bureau has jurisdiction over a broad array of companies, including online lenders, loan servicers, and debt collectors. This lawsuit is a significant step in the Bureaus efforts to address regulatory-evasion schemes that are increasingly becoming a feature of the online small-dollar and payday lending industry. In filing this suit today, the Bureau has worked closely and collaboratively with state attorneys general and banking regulators. Some of these state officials are also filing their own lawsuits and announcing formal investigations today ; others are already in litigation.\n\nThe full text of the Bureaus complaint is available at XXXX XXXX XXXX XXXX Updated on XX/XX/XXXX : An amended complaint can be found here XXXX XXXX XXXX XXXXXXXX","date_sent_to_company":"2024-05-23T23:55:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"98405","tags":null,"has_narrative":true,"complaint_id":"9080454","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-05-23T23:55:36.000Z","state":"WA","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Today the Consumer Financial Protection Bureau ( CFPB ) took its first action against an online <em>loan</em> servicer, XXXX XXXX, its owner, its subsidiary, and its affiliate, for collecting money consumers did not owe. The CFPB alleges that the defendants engaged in unfair, <em>deceptive</em>, and abusive <em>practices</em>, including illegally debiting consumer checking accounts for <em>loans</em> that were void."]},"sort":[15.421084,"9080454"]},{"_index":"complaint-public-v1","_id":"9080972","_score":15.418027,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX  is continuously negatively reporting on my credit report. I need this item removed from my credit report but it keeps coming back. When I call the phone number provided it is not in service. The phone rings and then makes a constant busy signal. Unable to get through. \n\nThis company continues to attempt to collect under the name of XXXX XXXX and have again started reporting to the credit reporting agencies charge off and late payments on my credit report particulary with XXXX, XXXX and XXXX and more importantly after being sued by the attorney general of XXXX. \n\nRead Article below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX, XXXX Today the Consumer Financial Protection Bureau ( CFPB ) took its first action against an online loan servicer, CashCall Inc., its owner, its subsidiary, and its affiliate, for collecting money consumers did not owe. The CFPB alleges that the defendants engaged in unfair, deceptive, and abusive practices, including illegally debiting consumer checking accounts for loans that were void. \n\nToday we are taking action against XXXX for collecting money it had no right to take from consumers, said CFPB Director XXXX XXXX. Online lending is rapidly growing and deserves ample regulatory attention. The Consumer Financial Protection Bureau will take action against online lenders and servicers that engage in unfair, deceptive, or abusive practices. \n\nXXXX XXXX its subsidiary, XXXX XXXX XXXX XXXX and its affiliate, XXXX XXXX XXXX XXXX a XXXX  collection agency , are all under the common ownership of XXXX XXXX XXXX XXXX The Bureaus investigation discovered that beginning in late XXXX, XXXX  and XXXX XXXX  entered into an arrangement with XXXX XXXX XXXX, a XXXX XXXX-based online lender. XXXX XXXX XXXX asserted state laws did not apply to its business because it was based on an XXXX XXXX  and owned by a member of the XXXX XXXX XXXX XXXX. But this relationship with a tribe does not exempt XXXX XXXX from having to comply with state laws when it makes loans over the Internet to consumers in various states. \n\nThe loans ranged from {$XXXX} to {$XXXX, and typically had upfront fees, lengthy repayment terms, and annual interest rates from nearly XXXX XXXXercent to XXXX percent. Many consumers signed loan agreements permitting loan payments to be debited directly from their bank accounts, similar to a payday lender. The loans were then acquired by XXXX XXXX and serviced by XXXX \n\nIn XX/XX/XXXX, XXXX XXXX stopped making loans and began to shut down its business after several states began investigations and court actions. But XXXX  and its collection agency, XXXX, have continued to take monthly installment payments from consumers bank accounts or have otherwise sought to collect money from borrowers. \n\nThe CFPBs complaint alleges that defendants XXXX, XXXX XXXX, XXXX, and XXXX have violated the Consumer Financial Protection Acts prohibitions on unfair, deceptive, and abusive acts and practices. The Bureaus investigation showed that the high-cost loans violated either licensing requirements or interest-rate caps or both in at least eight states : Arizona, Arkansas, Colorado, Indiana, Massachusetts, New Hampshire , New York , and North Carolina. Under statutes in at least these eight states, any obligation to pay such loans was rendered void or otherwise nullified in whole or in part by law. Therefore, the defendants are collecting money that consumers do not owe. \n\nUnder the XXXX XXXX XXXX XXXX and Consumer Protection Act, the CFPB has the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. To that end, the Bureau seeks : Monetary relief, damages, and civil penalties : The CFPB wants CashCall to refund consumers the money that they took from them where the loans were void or the consumers obligation was otherwise nullified. The Bureaus complaint also seeks additional damages and civil penalties. \nNo further violations of federal consumer laws : The Bureau wants the defendants to adhere to all federal consumer financial protection laws, including prohibitions on unfair, deceptive, and abusive acts and practices. \nThis is the first CFPB online lending lawsuit. The Bureau has jurisdiction over a broad array of companies, including online lenders, loan servicers, and debt collectors. This lawsuit is a significant step in the Bureaus efforts to address regulatory-evasion schemes that are increasingly becoming a feature of the online small-dollar and payday lending industry. In filing this suit today, the Bureau has worked closely and collaboratively with state attorneys general and banking regulators. Some of these state officials are also filing their own lawsuits and announcing formal investigations today ; others are already in litigation. \n\nThe full text of the Bureaus complaint is available at : https : XXXXf Updated on XX/XX/XXXX : An amended complaint can be found here : https : XXXX","date_sent_to_company":"2024-05-23T23:55:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"98405","tags":null,"has_narrative":true,"complaint_id":"9080972","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CASHCALL, INC.","date_received":"2024-05-23T23:19:47.000Z","state":"WA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Read Article below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX, XXXX Today the Consumer Financial Protection Bureau ( CFPB ) took its first action against an online <em>loan</em> servicer, CashCall Inc., its owner, its subsidiary, and its affiliate, for collecting money consumers did not owe. The CFPB alleges that the defendants engaged in unfair, <em>deceptive</em>, and abusive <em>practices</em>, including illegally debiting consumer checking accounts for <em>loans</em> that were void."]},"sort":[15.418027,"9080972"]},{"_index":"complaint-public-v1","_id":"13640802","_score":15.277668,"_source":{"product":"Mortgage","complaint_what_happened":"This complaint involves possible forged servicing documents, misrepresentation of loan parties, and unlawful servicing activity related to a second mortgage administered through the Florida XXXX XXXX XXXX XXXX XXXX program. It is primarily a mortgage servicing issue under RESPA and TILA. \n\nCompanies Involved : - XXXX XXXX XXXX ( XXXX XXXX XXXX ) Original Lender - XXXX XXXX XXXX XXXX XXXX XXXX LoanCare LLC XXXX XXXX - XXXX XXXX XXXX- Title company XXXX XXXX XXXX  - Title company - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  & XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX Program Administrator Nature of the Complaint : I am submitting this complaint due to serious concerns regarding potential mortgage fraud, illegal loan servicing practices, document forgery, and violations of federal and state lending laws related to my Hometown Heroes second mortgage. \n\nAt closing on XX/XX/year>, I executed all mortgage documents with XXXX XXXX XXXX, and no party disclosed XXXX XXXX XXXX or LoanCare as being involved in origination or servicing. \n\nMonths later, I received a purported promissory note from LoanCare, allegedly on behalf of XXXX. This note is riddled with spelling errors, contains incorrect dates, identifies XXXX as the original lender ( which it was not ), and includes undisclosed escrow and fee terms that were never agreed upon during settlement. \n\nThe version of the note sent to me : - Lists a loan approval date of XX/XX/year>, XXXX days before closing - Contains obvious misspellings ( volmtarily, parsonally, againt, XXXX XXXXXXXX XXXX XXXXXXXX ) -Misrepresents the lender as XXXX XXXX XXXX XXXX Fails to match the formatting and content of the version filed with the XXXX XXXX XXXX XXXX XXXX XXXX Appears to be altered or potentially fraudulent Further, I have not received any assignment of mortgage or servicing rights, and there is no recorded evidence of a legal transfer from New XXXX XXXX XXXX XXXX/LoanCare XXXX \n\nLegal Grounds for Complaint : XXXX. RESPA Violation ( XXXX XXXX XXXX ) I did not receive the required servicing transfer notices as mandated under the Real Estate Settlement Procedures Act ( RESPA ). The absence of this disclosure undermines the legality of any alleged servicing rights. \n\nXXXX. TILA Violation ( XXXX XXXX Code XXXX ) The loan documents sent post-closing contain terms and fees never disclosed at closing, a likely violation of the Truth in Lending Act, which requires full transparency and clear disclosures. \n\nXXXX. UDAAP ( Consumer Financial Protection Act XXXX XXXX. XXXX, XXXX ) The altered loan documents, deceptive representation of parties, and lack of transparency in servicing constitute Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the CFPBs core enforcement authority. \n\nXXXX. Florida Statutes Mortgage Fraud & Forgery - XXXX XXXX. XXXX Mortgage XXXX - XXXX XXXX. XXXX Forgery of a XXXX XXXX XXXX XXXX. XXXX Prohibited Practices by Loan Originators These statutes may have been violated by parties involved in creating or submitting altered loan documents and misrepresenting program details. \n\nXXXX. Uniform Commercial Code Right to Original Instrument I have not received the original, executed promissory note, and can not verify the legitimacy of the debt being claimed. This raises XXXX XXXX XXXX concerns around enforceability and standing. \n\nXXXX XXXX : Due to the document discrepancies and unclear chain of title : - I XXXX be exposed to unauthorized collection, double servicing, or unlawful foreclosure - My legal title and financial liability are in dispute - I have incurred emotional distress, legal costs, and time attempting to resolve an issue caused entirely by third-party misconduct","date_sent_to_company":"2025-05-21T18:53:03.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"349XX","tags":null,"has_narrative":true,"complaint_id":"13640802","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LoanCare, LLC","date_received":"2025-05-21T18:44:14.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["XXXX, XXXX ) The altered <em>loan</em> documents, <em>deceptive</em> representation of parties, and lack of transparency in servicing constitute Unfair, <em>Deceptive</em>, or Abusive Acts or <em>Practices</em> ( UDAAP ) under the CFPBs core enforcement authority. \n\nXXXX. Florida Statutes Mortgage Fraud & Forgery - XXXX XXXX. XXXX Mortgage XXXX - XXXX XXXX. XXXX Forgery of a XXXX XXXX XXXX XXXX."],"company":["<em>Loan</em>Care, LLC"],"sub_product":["Home equity <em>loan</em> or line of credit (HELOC)"]},"sort":[15.277668,"13640802"]},{"_index":"complaint-public-v1","_id":"14969836","_score":15.084417,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to formally dispute a fraudulent loan taken out in my name through XXXX  ( Customer # XXXX ). I did not apply for or authorize this loan, nor did I receive or benefit from its proceeds. This is a clear case of identity theft, account compromise, and fraudulent use of personal and financial information. \n\n\n\nSummary of Events : A hacker obtained my personal information through XXXX  XXXX  fraud, XXXX XXXX, and XXXX  voice cloning. \n\nThey successfully opened a fraudulent loan through XXXX  and had the funds deposited directly into my XXXX XXXX account. \n\nThey immediately set up direct withdrawals from that same XXXX account to make it appear legitimate. \n\nXXXX XXXX  and I quickly detected the unauthorized activity, and the account was closed as a result. \n\nI have not received any copy of the contract, the full loan amount, nor any documentation from XXXX confirming how the loan was applied for. \n\n\n\nLegal and Investigative Actions Taken : Filed a police report ( Report # XXXX ), recently updated to include this XXXX  loan and the full extent of the fraudulent scheme. \n\nFiled formal complaints with the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXXXXXX XXXX XXXX XXXX ) Department of Insurance and Financial Services ( DIFS ) Federal Deposit Insurance Corporation ( FDIC ) XXXX  fraud division confirmed that I am not liable for this debt and advised XXXX  should cease collections and close the account. \n\n\n\nFormal Requests : Cease and desist all collection efforts related to this fraudulent loan immediately. \n\nProvide a full investigation report, including : The method of application IP address Phone number and device used Banking information where funds were deposited Remove all negative credit reporting related to this loan. \n\nPermanently close the fraudulent account and confirm that I am released from any responsibility. \n\nIf no resolution is provided within 15 business days, I will pursue legal action, including claims under : FTC Act 5 ( prohibiting unfair or deceptive acts ) Identity Theft and Assumption Deterrence Act ( 18 U.S. Code 1028 ) Fair Credit Billing Act Fair Debt Collection Practices Act This matter involves criminal activity and exploitation of personal data. XXXX failure to verify the legitimacy of the loan, as well as its continued pursuit of collection despite my clear and substantiated claims, may result in liability for damages. \n\n\n\nThank you for your attention to this urgent matter. \n\n\n\nSincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX","date_sent_to_company":"2025-07-30T22:00:22.000Z","issue":"Problem with the payoff process at the end of the loan","sub_product":"Personal line of credit","zip_code":"48044","tags":null,"has_narrative":true,"complaint_id":"14969836","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENOVA INTERNATIONAL, INC.","date_received":"2025-07-30T20:24:08.000Z","state":"MI","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["If no resolution is provided within 15 business days, I will pursue legal action, including claims under : FTC Act 5 ( prohibiting unfair or <em>deceptive</em> acts ) Identity Theft and Assumption Deterrence Act ( 18 U.S. Code 1028 ) Fair Credit Billing Act Fair Debt <em>Collection</em> <em>Practices</em> Act This matter involves criminal activity and exploitation of personal data."],"product":["Payday <em>loan</em>, title <em>loan</em>, personal <em>loan</em>, or advance <em>loan</em>"],"issue":["Problem with the payoff process at the end of the <em>loan</em>"]},"sort":[15.084417,"14969836"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":349,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":349}]}},"product":{"doc_count":349,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":95,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit 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