{"took":307,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":321,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11366605","_score":15.814442,"_source":{"product":"Checking or savings account","complaint_what_happened":"my bank has been charging me insufficient and overdraft fees for over a period of 4 years. The supreme court has finally rules against banks for charging such fees.\n\ntherefore i demand punitive damages and compensation of these unfair and illegal business practices. If you continue to ignore my request, i will file a lawsuit in superior court.","date_sent_to_company":"2025-01-03T22:27:48.000Z","issue":"Problem caused by your funds being low","sub_product":"Other banking product or service","zip_code":"95621","tags":null,"has_narrative":true,"complaint_id":"11366605","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2025-01-03T22:20:49.000Z","state":"CA","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["The supreme court has finally <em>rules</em> against banks for charging such fees.\n\n<em>therefore</em> i demand punitive damages and compensation of these unfair and illegal business practices. If you continue to ignore my request, i will file a <em>lawsuit</em> in superior court."]},"sort":[15.814442,"11366605"]},{"_index":"complaint-public-v1","_id":"5969730","_score":14.559754,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX 2nd case TransUnion, Also stated there company will respond back to me within 60 days. Each and every complaint, that's recorded on file with TransUnion, the company have Always replied, that it would take up to 60 days ignoring Any FCRA Rule on time limits or providing a response back in 5 days per FCRA. THIS MATTER US NOT NEW, AND SHOULD NOT TAKE 2 MONTHS. THEREFORE, TRANSUNION, CONTINUE TO VIOLATE MY FCRA RIGHTS. I WILL BEGIN FILING A LAWSUIT THIS WEEK AGAINST TRANSUNION VIOLATION OF MY RIGHTS.. I'M AWARE OF MY RIGHTS AND TRANSUNION, NEGLECTFULLY VIOLATES MY FCRA RIGHTS AND RULES. THIS IS A DELIBERATE ACKNOWLEDGEMENT OF TRANSUNION MAKING THERE OWN RULES FOR THE CONSUMER. I HAVE EXHAUSTED ALL TOLERANCE, IN FOLLOWING THE FCRA RULES IN DISPUTING THE SAME EXISTING INACCURACY WITH TRANSUNION. This dispute matter is unacceptable for a 60 day turnaround time frame. The FCRA, time frame is 30 days, with some exception to extend to 45 days. Written Communication must be submitted to the consumer 5 days from the date dispute is received.","date_sent_to_company":"2022-09-11T11:42:30.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38128","tags":null,"has_narrative":true,"complaint_id":"5969730","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2022-09-11T11:10:30.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Each and every complaint, that's recorded on file with TransUnion, the company have Always replied, that it would take up to 60 days ignoring Any FCRA <em>Rule</em> on time limits or providing a response back in 5 days per FCRA. THIS MATTER US NOT NEW, AND SHOULD NOT TAKE 2 MONTHS. <em>THEREFORE</em>, TRANSUNION, CONTINUE TO VIOLATE MY FCRA RIGHTS. I WILL BEGIN FILING A <em>LAWSUIT</em> THIS WEEK AGAINST TRANSUNION VIOLATION OF MY RIGHTS.."]},"sort":[14.559754,"5969730"]},{"_index":"complaint-public-v1","_id":"7188591","_score":13.418527,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I recently reviewed my Consumer Report, to my dismay there are items and transactions on my Consumer Report that are violations of the below acts, bureaus, and commissions.\n\nTransactions Act of 2003 ( FACT Act ), which Congress substantively amended the FCRA.\n\nConsumer Protection Act ( Dodd-Frank Act ) which granted rule-making authority under FCRA Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission-Oversees identity for consumers Attorney General of the Consumer Reporting Agency 1681a. Definitions ; rules of construction 1681a. Definitions ; rules of construction 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information THEREFORE, THIS LETTER IS AN ATTEMPT TO WORK WITH THE ABOVE CONSUMER REPORTING AGENCY TO CORRECT MY CONSUMER REPORT BEFORE FILING A LAWSUIT : The below items and transactions that are being reported on my Consumer Report are being reported illegally, unlawful, and bluntly a disregard to the FCRA/FACT Act, that was put in place by the US Congress . This is resulting in identity theft by Transunion a Consumer Reporting Agency a for profit none federal agency. \n\nBEING REPORTED ILLEGALLY, UNLAWFUL BY TRANSUNION US DEPARTMENT OF AGRICUL- LATE PAYMENT TRANSACTION XXXX XXXX XXXXLATE PAYMENT TRANSACTION XXXX XXXXLATE PAYMENT TRANSACTION","date_sent_to_company":"2023-06-30T19:19:49.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"29501","tags":"Servicemember","has_narrative":true,"complaint_id":"7188591","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-06-30T19:12:34.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Code 6802 ( b ) - Obligations with respect to disclosures of personal information <em>THEREFORE</em>, THIS LETTER IS AN ATTEMPT TO WORK WITH THE ABOVE CONSUMER REPORTING AGENCY TO CORRECT MY CONSUMER REPORT BEFORE FILING A <em>LAWSUIT</em> : The below items and transactions that are being reported on my Consumer Report are being reported illegally, unlawful, and bluntly a disregard to the FCRA/FACT Act, that was put in place by the US Congress ."]},"sort":[13.418527,"7188591"]},{"_index":"complaint-public-v1","_id":"11227669","_score":13.356703,"_source":{"product":"Mortgage","complaint_what_happened":"Dear CFPB and CFPB Ombudsman : I am requesting a prompt review of the facts of my case that reveal the collusion between XXXXXXXX XXXX, Nationstar and their attorneys XXXX XXXX with ( XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX ) to conceal the XXXXXXXX XXXX and Nationstar scheme to falsely allege against me, a FAKE delinquent mortgage payment for XX/XX/XXXX to unlawfully obtain a foreclosure order and accomplish the theft of my real property while I was a loan compliant borrower. \n\nI am involved in a federal lawsuit against XXXXXXXX XXXX  and their loan servicer Nationstar in the United States XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Federal Lawsuit ) ( See XXXX XXXX XXXXXXXX ) ( XXXX ) XX/XX/XXXX live Complaint ). \n\nThe federal lawsuit is currently STAYED and INACTIVE in relevant part following XXXX XXXXNationstar attorney XXXX XXXX XXXX XXXX motion to stay the litigation. The XXXX entered a TEXT STAY ORDER on XX/XX/XXXX. \n( See XX/XX/XXXX Email from XXXXXXXX XXXX attorney XXXX XXXX to XXXX ). \n\nPrior to the entry of the STAY ORDER, I filed a Rule XXXX ( b ) Motion on XX/XX/XXXX. \n( See PACER ( XXXX ) XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Rule XXXX ( b ) ( XXXX ) Motion ). \n\nAmong other things, I alleged the XX/XX/XXXX DEFAULT ORDER ( Cause No. XXXX ) obtained by XXXXXXXX XXXX  is void XXXX XXXX and my evidence is undisputed that : 1 ) I was never delinquent with my loan ; 2 ) I was never served the original Rule 736 Lawsuit filed by XXXXXXXX XXXX in the state court in XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX Lawsuit ) at the out of state Indiana address I provided in writing to the XXXXXXXX XXXX  loan servicer XXXX XX/XX/XXXX and XX/XX/XXXX that was two months prior to XXXXXXXX XXXX filing their XX/XX/XXXX Rule XXXX Lawsuit. Therefore, I was denied constitutional due process protections. XXXX XXXX filed a response to my Rule XXXX motion and filed no evidence XXXXXXXX XXXX served me the Rule XXXX lawsuit ; XXXX ) XXXX XXXX made a patently false XX/XX/XXXX delinquency allegation against me in their Rule XXXX Application For Foreclosure for the state court to rely on. In stark contrast, the XXXXXXXX XXXX loan servicer records at entry dated XX/XX/XXXX showed I was never delinquent with my loan or the XX/XX/XXXX loan payment ; ( See PACER ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nXXXX ) XXXXXXXX XXXX  unlawfully obtained a state court XX/XX/XXXX DEFAULT ORDER permitting foreclosure in Cause No. XXXX. Prior to foreclosure, while I was living in Indiana, they changed the locks on my property and removed my personal property ; XXXX ) XXXXXXXX XXXX unlawfully conducted a XX/XX/XXXX foreclosure sale in connection with my property commonly known as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  without mailing me notice of the foreclosure sale at my out of state Indiana address as required by the Default Order and as required pursuant to Texas XXXX XXXX XXXX ( b ). XXXXXXXX XXXX filed a response to my Rule XXXX motion and filed no evidence XXXX XXXX mailed me notice of the foreclosure sale ; XXXX ) XXXXXXXX XXXX filed multiple eviction lawsuits between XXXX and XXXX trying to evict me from my real property. ( See live Complaint ) ; XXXX ) XXXX XXXX forcible detainer attorney made patently false representations in the eviction court and falsely alleged the federal court was reviewing a bankruptcy issue I asserted against XXXXXXXX XXXX when there are no bankruptcy issues I raised as to XXXXXXXX XXXX. I filed a motion for sanctions on XX/XX/XXXX in the federal court to show the XXXX XXXX and their attorneys continuing false representation asserted against me in multiple courts to aid in the theft of my real property. \n\n( See XXXX XXXX XXXX To Lift Stay To File Motion For Inherent Court Sanctions ) ; XXXX ) XXXX XXXX attorney XXXX XXXX XXXX aided his client in concealing relevant evidence during discovery in litigations that showed XXXX XXXX never served me the Rule XXXX Lawsuit and XXXXXXXX XXXX never mailed me notice of the XX/XX/XXXX foreclosure sale to my XXXX address as required by the XXXX Default Order and the Texas XXXX XXXX XXXX ( b ). Through discovery in Cause No. XXXX, XXXX XXXX  and Nationstar responded that all their records were confidential and not subject to disclosure ; ( See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Nationstar XXXX XXXX XXXX XXXX No. XXXX ). \n\nXXXX ) XXXX BANK former attorney XXXX XXXX XXXX knowingly aided his client XXXXXXXX XXXX  in concealing relevant evidence during litigations that showed XXXXXXXX XXXX never served me the Rule XXXX Lawsuit and/ that XXXX XXXX never mailed me notice of the XX/XX/XXXX foreclosure sale to my XXXX XXXXXXXX as required by the XXXX Default Order and the XXXX XXXX XXXXXXXX XXXX ( b ) ; and XXXX ) XXXX XXXX former attorney XXXX XXXX XXXX aided his client XXXXXXXX XXXX in concealing relevant evidence during litigations that showed XXXX XXXX  falsely alleged a FAKE XX/XX/XXXX default in their Rule XXXX Lawsuit when the XXXXXXXX XXXX loan servicer records showed I timely remitted the XX/XX/XXXX payment. \n\nGiven the above facts, there has been a cloud on my title for over THIRTEEN YEARS that has deprived me from enjoying, developing and selling my property. By way of this complaint, I am requesting the U.S. Treasury, FTC and CFPB order XXXX XXXX and their loan servicer Nationstar to provide me the following documents to resolve this litigation dispute as follows : 4 ) Evidence of the Certified Mail certificate showing XXXXXXXX XXXX mailed me the Rule XXXX Lawsuit that they filed in the XXXX XXXX, XXXX XXXXXXXX XXXX state court in Cause No. XXXX ) at my XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX \n\n5 ) Evidence showing XXXXXXXX XXXX filed in the state court pursuant to the XXXX Texas Rules of Civil Procedure, notice that they mailed me the Rule XXXX Lawsuit at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. \n\nXXXX ) Evidence of the Certified Mail certificate showing that XXXXXXXX XXXX mailed me the Texas XXXX XXXX XXXX ( b ) notice of the XX/XX/XXXX foreclosure sale at my XXXX address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX \n\nI hope this information with documents attached will assist you in demanding a criminal investigation of this matter with the U.S. Treasury and the FTC. If you require additional information, please feel free to reach out and I will be available to assist. \n\nRespectfully Submitted, XXXX XXXX XXXX","date_sent_to_company":"2025-01-07T20:53:04.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"78212","tags":null,"has_narrative":true,"complaint_id":"11227669","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2024-12-20T22:56:07.000Z","state":"TX","company_public_response":null,"sub_issue":"Lien release"},"highlight":{"complaint_what_happened":["their XX/XX/XXXX <em>Rule</em> XXXX <em>Lawsuit</em>."]},"sort":[13.356703,"11227669"]},{"_index":"complaint-public-v1","_id":"7438377","_score":12.890351,"_source":{"product":"Debt collection","complaint_what_happened":"In 2013 Unifund, XXXX, XXXX debt collector got a judgement against me for debt they had purchased from XXXX. I was never served a summons, never given a chance to defend myself, therefore never attended any court hearings and subsequently I XXXX XXXX received a judgement. Now 10 years I receive a Writ of Execution and bank account garnishments. I am a married man ( XXXX XXXX XXXX ) and can not understand how this can happen to a Citizen of the United States. \n\nWe can not afford to hire an attorney. Again, I was never served, never notified and never afforded my day in court to challenge the validity of this lawsuit by this debt collector company. I am now learning Unifund CCR , LLC has placed a lien on our property! \n\nA quick XXXX search and you easily understand this company is crooked who does not follow rules of civil procedure. \n\nNow we are emotionally scared to XXXX  and trying our best to figure how to report them stop them, reverse this judgement. I can't even believe a judge would rule in their favor when the defendant is not even present to defend themselves. \n\nGive me a break!","date_sent_to_company":"2023-08-23T03:15:50.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"836XX","tags":null,"has_narrative":true,"complaint_id":"7438377","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Credit Card Receivables Fund Incorporated","date_received":"2023-08-23T02:51:46.000Z","state":"ID","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["I can't even believe a judge would <em>rule</em> in their favor when the defendant is not even present to defend themselves. \n\nGive me a break!"]},"sort":[12.890351,"7438377"]},{"_index":"complaint-public-v1","_id":"8340640","_score":12.88401,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : XXXX, Trans Union and XXXX From : XXXX XXXX Re : all my XXXX disputed accounts with XXXX XXXX ( XXXX ) to reflect my {$0.00} balance without any negative permissible data due to my prevailing party status in litigation forever extinguishing all XXXX  disputed balances XX/XX/XXXX I write to dispute every XXXX of my XXXX credit accounts with XXXX  as XXXX  continues to report inaccurate balances and derogatory late, past due and other negative inaccurate data. My credit reports must report a {$0.00} balance without any derogatory data of any kind. I therefore dispute the balances on my credit reports which must be {$0.00}. \n\nStarting in XX/XX/XXXX, I filed XXXX arbitration cases with the XXXX XXXX XXXX as lawsuits were not permissible under the arbitration clauses. Subsequently, I filed XXXX more arbitration cases in XXXX with each of the XXXX cases describing statutory and punitive damages exceeding {>= $1,000,000} for FCRA, FDCPA and other statute violations. XXXX filed counterclaims against me for the amounts of its disputed balances in each of the cases. However, XXXX Voluntarily dismissed the counterclaims and filed multiple lawsuits against me in state courts on XX/XX/XXXX and XX/XX/XXXX for identical claims contained in the counterclaims. On XX/XX/XXXX and XX/XX/XXXX, XXXX voluntarily dismissed the lawsuits as evidenced from the attachments which can be authenticated in the online court public record. Under the two-dismissal rule of 15 U.S.C. 41 ( a ) ( 1 ) ( B ) if the plaintiff previously dismissed any federal- or state-court action based on or including the same claim, a notice of dismissal operates as an adjudication on the merits. Rule 41 ( a ) ( 1 ) is the shortest and surest route to abort a complaint when it is applicable. But this quick and ready tool may be used once, and only once, if clear consequences are to be avoided. A second notice of dismissal not only closes the file, it also closes the case with prejudice to the bringing of another. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. United States Court of Appeals XXXX XXXX. XX/XX/XXXX. \n\nTherefore, the second voluntary dismissals of actions closed the disputes forever with {$0.00} balances as XXXX can never bring another lawsuit nor report to credit reporting agencies balances exceeding {$0.00} or derogatory data of any kind. \n\nAccordingly, all my XXXX balances must be reported as {$0.00} without any derogatory data of any kind. \n\nKindly process this dispute to correct the inaccurate balances as balances of {$0.00} are required due to outcomes of litigation.","date_sent_to_company":"2024-02-13T09:06:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"8340640","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-13T09:06:51.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I <em>therefore</em> dispute the balances on my credit reports which must be {$0.00}. \n\nStarting in XX/XX/XXXX, I filed XXXX arbitration cases with the XXXX XXXX XXXX as <em>lawsuits</em> were not permissible under the arbitration clauses. Subsequently, I filed XXXX more arbitration cases in XXXX with each of the XXXX cases describing statutory and punitive damages exceeding {>= $1,000,000} for FCRA, FDCPA and other statute violations."]},"sort":[12.88401,"8340640"]},{"_index":"complaint-public-v1","_id":"8340817","_score":12.877886,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : Experian, XXXX XXXX and XXXX From : XXXX XXXX Re : all my XXXX disputed accounts with XXXX XXXX ( XXXX  ) to reflect my {$0.00} balance without any negative permissible data due to my prevailing party status in litigation forever extinguishing all XXXX  disputed balances XX/XX/XXXX I write to dispute every XXXX of my XXXX credit accounts with XXXX  as XXXX  continues to report inaccurate balances and derogatory late, past due and other negative inaccurate data. My credit reports must report a {$0.00} balance without any derogatory data of any kind. I therefore dispute the balances on my credit reports which must be {$0.00}. \n\nStarting in XX/XX/XXXX, I filed XXXX arbitration cases with the XXXX XXXX XXXX as lawsuits were not permissible under the arbitration clauses. Subsequently, I filed XXXX more arbitration cases in XXXX with each of the XXXX cases describing statutory and punitive damages exceeding {>= $1,000,000} for FCRA, FDCPA and other statute violations. XXXX filed counterclaims against me for the amounts of its disputed balances in each of the cases. However, XXXX Voluntarily dismissed the counterclaims and filed multiple lawsuits against me in state courts on XX/XX/XXXX and XX/XX/XXXX for identical claims contained in the counterclaims. On XX/XX/XXXX and XX/XX/XXXX, XXXX voluntarily dismissed the lawsuits as evidenced from the attachments which can be authenticated in the online court public record. Under the two-dismissal rule of 15 U.S.C. 41 ( a ) ( 1 ) ( B ) if the plaintiff previously dismissed any federal- or state-court action based on or including the same claim, a notice of dismissal operates as an adjudication on the merits. Rule 41 ( a ) ( 1 ) is the shortest and surest route to abort a complaint when it is applicable. But this quick and ready tool may be used once, and only once, if clear consequences are to be avoided. A XXXX  notice of dismissal not only closes the file, it also closes the case with prejudice to the bringing of another. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Court of Appeals XXXX XXXX. XX/XX/XXXX. \n\nTherefore, the XXXX  voluntary dismissals of actions closed the disputes forever with {$0.00} balances as XXXX can never bring another lawsuit nor report to credit reporting agencies balances exceeding {$0.00} or derogatory data of any kind. \n\nAccordingly, all my XXXX balances must be reported as {$0.00} without any derogatory data of any kind. \n\nKindly process this dispute to correct the inaccurate balances as balances of {$0.00} are required due to outcomes of litigation.","date_sent_to_company":"2024-02-13T09:06:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"8340817","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-13T08:56:33.000Z","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":["I <em>therefore</em> dispute the balances on my credit reports which must be {$0.00}. \n\nStarting in XX/XX/XXXX, I filed XXXX arbitration cases with the XXXX XXXX XXXX as <em>lawsuits</em> were not permissible under the arbitration clauses. Subsequently, I filed XXXX more arbitration cases in XXXX with each of the XXXX cases describing statutory and punitive damages exceeding {>= $1,000,000} for FCRA, FDCPA and other statute violations."]},"sort":[12.877886,"8340817"]},{"_index":"complaint-public-v1","_id":"8340639","_score":12.868542,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : XXXX, XXXX XXXX and Equifax From : XXXX XXXX Re : all my XXXX disputed accounts with XXXX XXXX  ( XXXX  ) to reflect my {$0.00} balance without any negative permissible data due to my prevailing party status in litigation forever extinguishing all XXXX  disputed balances XX/XX/XXXX I write to dispute every XXXX of my XXXX credit accounts with XXXX  as XXXX  continues to report inaccurate balances and derogatory late, past due and other negative inaccurate data. My credit reports must report a {$0.00} balance without any derogatory data of any kind. I therefore dispute the balances on my credit reports which must be {$0.00}. \n\nStarting in XX/XX/XXXX, I filed XXXX arbitration cases with the XXXX XXXX XXXX as lawsuits were not permissible under the arbitration clauses. Subsequently, I filed XXXX more arbitration cases in XXXX with each of the XXXX cases describing statutory and punitive damages exceeding {>= $1,000,000} for FCRA, FDCPA and other statute violations. XXXX filed counterclaims against me for the amounts of its disputed balances in each of the cases. However, XXXX Voluntarily dismissed the counterclaims and filed multiple lawsuits against me in state courts on XX/XX/XXXX and XX/XX/XXXX for identical claims contained in the counterclaims. On XX/XX/XXXX and XX/XX/XXXX, XXXX voluntarily dismissed the lawsuits as evidenced from the attachments which can be authenticated in the online court public record. Under the two-dismissal rule of 15 U.S.C. 41 ( a ) ( 1 ) ( B ) if the plaintiff previously dismissed any federal- or state-court action based on or including the same claim, a notice of dismissal operates as an adjudication on the merits. Rule 41 ( a ) ( 1 ) is the shortest and surest route to abort a complaint when it is applicable. But this quick and ready tool may be used once, and only once, if clear consequences are to be avoided. A second notice of dismissal not only closes the file, it also closes the case with prejudice to the bringing of another. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. United States Court of Appeals XXXX XXXX. XX/XX/XXXX. \n\nTherefore, the second voluntary dismissals of actions closed the disputes forever with {$0.00} balances as XXXX can never bring another lawsuit nor report to credit reporting agencies balances exceeding {$0.00} or derogatory data of any kind. \n\nAccordingly, all my XXXX balances must be reported as {$0.00} without any derogatory data of any kind. \n\nKindly process this dispute to correct the inaccurate balances as balances of {$0.00} are required due to outcomes of litigation.","date_sent_to_company":"2024-02-13T09:06:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"8340639","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-13T09:06:51.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I <em>therefore</em> dispute the balances on my credit reports which must be {$0.00}. \n\nStarting in XX/XX/XXXX, I filed XXXX arbitration cases with the XXXX XXXX XXXX as <em>lawsuits</em> were not permissible under the arbitration clauses. Subsequently, I filed XXXX more arbitration cases in XXXX with each of the XXXX cases describing statutory and punitive damages exceeding {>= $1,000,000} for FCRA, FDCPA and other statute violations."]},"sort":[12.868542,"8340639"]},{"_index":"complaint-public-v1","_id":"2465660","_score":12.824279,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted a complaint with the CFPB on  X/X/17    #  XXXX . It should have taken 15 days for the company to respond. It has been over a week from the last day it should have taken them to respond. I thought that the CFPB is here to help us, so I am writing this complaint under the assumption that Experian has no regard for the CFPB and will continue to violate the rules and regulations of the FCRA, FDCPA and the guidelines which the CFPB has set forth.     Since there has been no response, I can therefore declare that the information included in complaint #  XXXX  is FALSELY reported due to the lack of a response. I demand that the contents of the complaint be removed immediately or I will be forced to file a lawsuit for each item listed in the complaint at {$1000.00} per item not addressed. My attorney and I are ready to file a suit unless these items are removed from my report.","date_sent_to_company":"2017-04-25T13:53:39.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"334XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2465660","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-04-25T12:36:41.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I thought that the CFPB is here to help us, so I am writing this complaint under the assumption that Experian has no regard for the CFPB and will continue to violate the <em>rules</em> and regulations of the FCRA, FDCPA and the guidelines which the CFPB has set forth.     Since there has been no response, I can <em>therefore</em> declare that the information included in complaint #  XXXX  is FALSELY reported due to the lack of a response."]},"sort":[12.824279,"2465660"]},{"_index":"complaint-public-v1","_id":"11209460","_score":12.803202,"_source":{"product":"Mortgage","complaint_what_happened":"Dear CFPB and CFPB XXXX  : I am requesting a prompt review of the facts of my case that reveal the collusion between XXXXXXXX XXXX  XXXX and their attorneys XXXX XXXX with ( XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX ) to conceal the XXXX XXXX  and XXXX scheme to falsely allege FAKE borrower delinquent payments to unlawfully obtain foreclosure orders and accomplish the theft of real property from loan compliant borrowers. \n\nI am involved in a federal lawsuit against XXXXXXXX XXXX and their loan servicer XXXX in the United States XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) ( See XXXX  ( XXXX ) ( XXXX ) XX/XX/XXXX live Complaint ). \n\nThe XXXX XXXX  is currently STAYED and INACTIVE in relevant part following XXXX XXXX  attorney XXXX XXXX filing a motion to stay the litigation. The XXXX entered a TEXT STAY ORDER on XX/XX/XXXX. \n( See XX/XX/XXXX Email from XXXX XXXX attorney XXXX XXXX to XXXX ). \n\nPrior to the entry of the STAY ORDER, I filed a Rule XXXX ( b ) Motion on XX/XX/XXXX. \n( See XXXX  ( XXXX ) XX/XX/XXXX Plaintiff XXXX XXXX Rule XXXX ( b ) ( XXXX ) Motion ). \n\nAmong other things, I alleged the XX/XX/XXXX DEFAULT ORDER ( Cause No. XXXX ) obtained by XXXX XXXX  is void XXXX XXXX and XXXX XXXX XXXX undisputed that : XXXX ) I was never delinquent with my loan ; XXXX ) I was never served the original Rule XXXX Lawsuit filed by XXXX XXXX  in the XXXX XXXX in XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX No XXXX XXXX ) ( XXXX XXXX XXXX ) at the out of state Indiana address I provided in writing to the XXXX XXXX  loan servicer XXXX XX/XX/XXXX and XX/XX/XXXX that was XXXX months prior to XXXX XXXX  filing their XX/XX/XXXX Rule XXXX Lawsuit. Therefore, I was denied constitutional due process protections. XXXX XXXX  filed a response to my Rule XXXX motion and filed no evidence XXXXXXXX XXXX  served me the Rule XXXX lawsuit ; XXXX ) XXXX XXXX made a patently false XX/XX/XXXX delinquency allegation against me in their Rule XXXX Application For Foreclosure for the state court to rely on. In stark contrast, the XXXXXXXX XXXX loan servicer records at entry dated XX/XX/XXXX showed I was never delinquent with my loan or the XX/XX/XXXX loan payment ; XXXX ) XXXXXXXX XXXX unlawfully obtained a state court XX/XX/XXXX DEFAULT ORDER permitting foreclosure in Cause No. XXXX. Prior to foreclosure, while I was living in Indiana, they changed the locks on my property and removed my personal property ; XXXX ) XXXXXXXX XXXX  unlawfully conducted a XX/XX/XXXX foreclosure sale in connection with my property commonly known as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  without mailing me notice of the foreclosure sale at my out of state Indiana address as required by the Default Order and as required pursuant to XXXX  XXXX XXXX XXXX ( b ). XXXX XXXX  filed a response to my Rule XXXX motion and filed no evidence XXXX XXXX  mailed me notice of the foreclosure sale ; XXXX ) XXXX XXXX  filed multiple eviction lawsuits between XXXX and XXXX trying to evict me from my real property. ( See live Complaint ) ; XXXX ) XXXX XXXX  attorney made patently false representations in the eviction court and falsely alleged the federal court was reviewing a bankruptcy issue I asserted against XXXX XXXX  when there are no bankruptcy issues I raised as to XXXX XXXX. I filed a motion for sanctions on XX/XX/XXXX in the federal court to show the XXXX XXXX  and attorneys continuing false representation in multiple courts to aid in the theft of real property ( See XXXX XXXX XXXX To Lift Stay To File XXXX XXXX XXXX XXXX XXXX ) ; XXXX ) XXXX XXXX  attorney XXXX XXXX XXXX aided his client in concealing relevant evidence during litigations that showed XXXX XXXX  never served me the Rule XXXX Lawsuit and XXXX XXXX  never mailed me notice of the XX/XX/XXXX foreclosure sale to my Indiana XXXX as required by the XXXX Default Order and the XXXX  XXXX XXXX XXXX ( b ) ; XXXX ) XXXX XXXX  former attorney XXXX XXXX XXXX XXXX aided his client XXXX XXXX  in concealing relevant evidence during litigations that showed XXXX XXXX  never served me the Rule XXXX Lawsuit and/ that XXXX XXXX  never mailed me notice of the XX/XX/XXXX foreclosure sale to my Indiana address XXXX required by the XXXX Default Order and the Texas XXXX XXXX XXXX ( b ) ; and XXXX ) XXXX XXXX  XXXX attorney Mark XXXX XXXX XXXX his client XXXX XXXX  in XXXX relevant evidence during litigations that showed XXXX XXXX  XXXX alleged a FAKE XX/XX/XXXX default in their Rule XXXX Lawsuit when the XXXX XXXX  XXXX XXXX records showed I timely remitted the XX/XX/XXXX payment. \n\nGiven the above facts, there has been a cloud on my title for over XXXX YEARS that has deprived me from enjoying, developing and selling my property. By way of this complaint, I am requesting the XXXX Treasury, FTC and CFPB XXXX XXXX XXXX  to provide me the following documents to resolve this litigation dispute as follows : XXXX ) Evidence of the Certified Mail certificate showing that XXXX XXXX  mailed me the Rule XXXX Lawsuit filed in the XXXX XXXX, XXXX XXXX, Texas XXXX XXXX in Cause No. XXXX ) at my XXXX address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX \n\nXXXX ) Evidence showing XXXXXXXX XXXX  filed pursuant to the XXXX XXXX XXXX XXXX XXXX XXXX notice in the state court that they mailed me the Rule XXXXXXXX XXXX XXXXt XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. \n\nXXXX ) Evidence of the Certified Mail certificate showing that XXXX XXXX  mailed me the Texas XXXX XXXX XXXX ( b ) notice of the XX/XX/XXXX foreclosure sale at my XXXX address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. \n\nI hope this information with documents attached will assist you in demanding a criminal investigation of this matter with the XXXX Treasury and the FTC. If you require additional information, please feel free to reach out and I will be available to assist. \n\nRespectfully Submitted, XXXX XXXX XXXX","date_sent_to_company":"2025-01-09T17:01:43.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"78212","tags":null,"has_narrative":true,"complaint_id":"11209460","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2024-12-18T22:22:55.000Z","state":"TX","company_public_response":null,"sub_issue":"Lien release"},"highlight":{"complaint_what_happened":["<em>Therefore</em>, I was denied constitutional due process protections. XXXX XXXX  filed a response to my <em>Rule</em> XXXX motion and filed no evidence XXXXXXXX XXXX  served me the <em>Rule</em> XXXX <em>lawsuit</em> ; XXXX ) XXXX XXXX made a patently false XX/XX/XXXX delinquency allegation against me in their <em>Rule</em> XXXX Application For Foreclosure for the state court to rely on."]},"sort":[12.803202,"11209460"]},{"_index":"complaint-public-v1","_id":"13068041","_score":12.24415,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"There is an account on my credit report that I have no liability to. The entry in question pertains to a debt collection account reported by XXXX XXXX. The associated account number ends in XXXX in the amount of {$5400.00}. I have no knowledge of this account. The debt was the subject of a lawsuit, and subsequently dismissed WITH PREJUDICE by XXXX XXXX XXXX, in XXXX OH under case number XXXX on XX/XX/XXXX. The court ruled that the debt collector did not have a valid claim to the debt. As a result, this debt is no longer legally enforceable. Therefore, I am disputing the debt since it is still being reported after it was legally dismissed in a court of law. However, when I contacted Experian XX/XX/XXXX, the company disregarded the court order and UPDATED the listing to reflect a past due amount as of XXXX XXXX in their records and they continue to report it in my credit file. I am not sure how there could be a past due amount when the case was dismissed in a court of law. At this time, Experian is in fact violating the Fair Credit Reporting Act.","date_sent_to_company":"2025-04-19T13:14:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"45211","tags":null,"has_narrative":true,"complaint_id":"13068041","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-19T12:43:33.000Z","state":"OH","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 debt was the subject of a <em>lawsuit</em>, and subsequently dismissed WITH PREJUDICE by XXXX XXXX XXXX, in XXXX OH under case number XXXX on XX/XX/XXXX. The court <em>ruled</em> that the debt collector did not have a valid claim to the debt. As a result, this debt is no longer legally enforceable. <em>Therefore</em>, I am disputing the debt since it is still being reported after it was legally dismissed in a court of law."]},"sort":[12.24415,"13068041"]},{"_index":"complaint-public-v1","_id":"2569670","_score":11.949665,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had disputed a civil public record showing on my credit report due to wrong reporting and inaccuracies, under the ( FRCA ) reporting agency, Starting onXX/XX/XXXX, the XXXX major credit reporting companies - Equifax,XX/XX/XXXX andXX/XX/XXXX - will change the their rules for the types of public records they collect. In the future, all items on the credit report will be required to contain the subject 's name, address and Social Security number of date of birth. Entries without this information will be deleted. The most obvious effect will come in the removal of tax lien records and civil judgments from many reports. About half of all tax lien records and almost all of civil judgments for inclusion on credit reports and will therefore be removed. Tax liens comes from unpaid state or federal tax bills ; civil judgments come from lawsuits related to old debt, unpaid child support, evictions or other non-criminal debts. Inclusion of either type of records negatively affect someone 's credit score. will be invalid effective XX/XX/XXXX","date_sent_to_company":"2017-07-10T15:50:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2569670","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-07-10T15:40:06.000Z","state":"CA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["About half of all tax lien records and almost all of civil judgments for inclusion on credit reports and will <em>therefore</em> be removed. Tax liens comes from unpaid state or federal tax bills ; civil judgments come from <em>lawsuits</em> related to old debt, unpaid child support, evictions or other non-criminal debts. Inclusion of either type of records negatively affect someone 's credit score. will be invalid effective XX/XX/XXXX"]},"sort":[11.949665,"2569670"]},{"_index":"complaint-public-v1","_id":"7054541","_score":11.700064,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to request the removal of bankruptcy reporting from my credit reports. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. As a result, any bankruptcy reported is unverifiable and in violation of both federal and state law as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similar situated class decide to pursue such action. Therefore, I am requesting that any bankruptcy reporting be removed from my credit reports immediately. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the bankruptcy reporting from my credit reports.","date_sent_to_company":"2023-05-31T13:34:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"39564","tags":null,"has_narrative":true,"complaint_id":"7054541","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2023-05-31T13:06:55.000Z","state":"MS","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["However, the Privacy Act of 1974 and the Federal <em>Rules</em> of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. As a result, any bankruptcy reported is unverifiable and in violation of both federal and state law as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action <em>lawsuit</em> should a similar situated class decide to pursue such action."]},"sort":[11.700064,"7054541"]},{"_index":"complaint-public-v1","_id":"7016859","_score":11.700064,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to request the removal of bankruptcy reporting from my credit reports. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. As a result, any bankruptcy reported is unverifiable and in violation of both federal and state law as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similar situated class decide to pursue such action. Therefore, I am requesting that any bankruptcy reporting be removed from my credit reports immediately. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the bankruptcy reporting from my credit reports.","date_sent_to_company":"2023-05-23T23:13:28.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"39564","tags":null,"has_narrative":true,"complaint_id":"7016859","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-23T23:08:44.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["However, the Privacy Act of 1974 and the Federal <em>Rules</em> of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. As a result, any bankruptcy reported is unverifiable and in violation of both federal and state law as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action <em>lawsuit</em> should a similar situated class decide to pursue such action."]},"sort":[11.700064,"7016859"]},{"_index":"complaint-public-v1","_id":"6938077","_score":11.700064,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to request the removal of bankruptcy reporting from my credit reports. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. \nAs a result, any bankruptcy reported is unverifiable and in violation of both federal and state law as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similar situated class decide to pursue such action. Therefore, I am requesting that any bankruptcy reporting be removed from my credit reports immediately. \nI appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the bankruptcy reporting from my credit reports.","date_sent_to_company":"2023-05-07T13:13:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30350","tags":"Servicemember","has_narrative":true,"complaint_id":"6938077","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-05-07T13:07:59.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["However, the Privacy Act of 1974 and the Federal <em>Rules</em> of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. \nAs a result, any bankruptcy reported is unverifiable and in violation of both federal and state law as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action <em>lawsuit</em> should a similar situated class decide to pursue such action."]},"sort":[11.700064,"6938077"]},{"_index":"complaint-public-v1","_id":"6940205","_score":11.697338,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to request the removal of bankruptcy reporting from my credit reports. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. \nAs a result, any bankruptcy reported is unverifiable and in violation of both federal and state law as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similar situated class decide to pursue such action. Therefore, I am requesting that any bankruptcy reporting be removed from my credit reports immediately. \nI appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the bankruptcy reporting from my credit reports.","date_sent_to_company":"2023-05-07T13:13:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30350","tags":"Servicemember","has_narrative":true,"complaint_id":"6940205","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-05-07T13:13:51.000Z","state":"GA","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["However, the Privacy Act of 1974 and the Federal <em>Rules</em> of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. \nAs a result, any bankruptcy reported is unverifiable and in violation of both federal and state law as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action <em>lawsuit</em> should a similar situated class decide to pursue such action."]},"sort":[11.697338,"6940205"]},{"_index":"complaint-public-v1","_id":"6940204","_score":11.684049,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am writing to request the removal of bankruptcy reporting from my credit reports. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. \nAs a result, any bankruptcy reported is unverifiable and in violation of both federal and state law as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similar situated class decide to pursue such action. Therefore, I am requesting that any bankruptcy reporting be removed from my credit reports immediately. \nI appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the bankruptcy reporting from my credit reports.","date_sent_to_company":"2023-05-07T13:13:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30350","tags":"Servicemember","has_narrative":true,"complaint_id":"6940204","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-05-07T13:13:51.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["However, the Privacy Act of 1974 and the Federal <em>Rules</em> of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. \nAs a result, any bankruptcy reported is unverifiable and in violation of both federal and state law as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action <em>lawsuit</em> should a similar situated class decide to pursue such action."]},"sort":[11.684049,"6940204"]},{"_index":"complaint-public-v1","_id":"12483551","_score":11.454622,"_source":{"product":"Payday loan, title loan, personal loan, or advance loan","complaint_what_happened":"This is a follow up regarding my closed case of numbers XXXX, I appreciate your response ; however, I firmly disagree with your position regarding the legality of the interest rates charged on my loan. \n\nWhile you maintain that my loan is governed solely by tribal law, this does not exempt you from complying with XXXX XXXX consumer protection laws. XXXX XXXX has a strict usury cap of 30 % APR on personal loans, and courts have repeatedly ruled that state lending laws apply to loans made to residents of that state, regardless of a lenders tribal affiliation. Furthermore, multiple federal and state lawsuits have determined that tribal lending entities can not automatically shield themselves from state regulations when lending to non-tribal residents. \n\nThe fact that XXXX forgave my remaining balance suggests an acknowledgment that the interest rates were excessive and potentially unenforceable. However, this does not resolve the fact that I overpaid due to the unlawful interest rates applied to my loan. Therefore, I continue to request a refund of the excessive interest I was charged, which amounts to approximately $ XXXX {$1000.00} or more. \n\nIf XXXX  maintains its refusal to issue a refund, I will have no choice but to escalate this matter further, including but not limited to : Filing a complaint with the XXXX XXXX Division of Consumer Affairs and the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX \n\nExploring legal action or joining class-action lawsuits against unlawful tribal lending practices. \n\nBringing this issue to the attention of state regulators and legal organizations that specialize in consumer protection. \n\nI urge XXXX  to reconsider its stance and process the requested refund promptly to resolve this matter amicably. I look forward to your response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-14T21:09:16.000Z","issue":"Can't contact lender or servicer","sub_product":"Payday loan","zip_code":"07032","tags":null,"has_narrative":true,"complaint_id":"12483551","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BlueChip Financial","date_received":"2025-03-14T21:05:58.000Z","state":"NJ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["XXXX XXXX has a strict usury cap of 30 % APR on personal loans, and courts have repeatedly <em>ruled</em> that state lending laws apply to loans made to residents of that state, regardless of a lenders tribal affiliation. Furthermore, multiple federal and state <em>lawsuits</em> have determined that tribal lending entities can not automatically shield themselves from state regulations when lending to non-tribal residents."]},"sort":[11.454622,"12483551"]},{"_index":"complaint-public-v1","_id":"2106645","_score":11.434525,"_source":{"product":"Mortgage","complaint_what_happened":"Mortgage loan number : XXXX To Whom It May Concern : We received a letter and a package from Chase dated XXXX XXXX, 2016. This letter addressed the application for mortgage assistance. As per our knowledge the borrowers XXXX XXXX and XXXX XXXX had not provided, not requested, not applied for a mortgage assistance. Therefore, Chase is not on any capacity to enter our loan into such program without borrowers consent. Chase and its subsidiaries are breaking the lending guidelines rules and regulations in regards to mortgage lending and assistance programs. \n\nThe borrowers XXXX XXXX and XXXX XXXX sent a letter addressing the issues with Chase, loan servicing and escrow accounts assessed. The borrowers requested that Chase eliminate the current loan outstanding and release the lien in the property in question as a bargain of any lawsuit against Chase for malpractice and breach of contract. The borrowers had never requested mortgage assistance. \n\nAll of these documentations will be submitted to the legal authorities if Chase does n't take the matter seriously and proceed as request for borrowers to release the lien against the property and eliminate the current loan outstanding as pay off. \n\nIf this concern is not address within 30 days of this letter a legal matter will proceed against Chase and subsidiaries. \n\nBest regards, XXXX XXXX and XXXX XXXX","date_sent_to_company":"2016-09-12T18:11:14.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional adjustable mortgage (ARM)","zip_code":"89011","tags":null,"has_narrative":true,"complaint_id":"2106645","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2016-09-12T18:11:13.000Z","state":"NV","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["<em>Therefore</em>, Chase is not on any capacity to enter our loan into such program without borrowers consent. Chase and its subsidiaries are breaking the lending guidelines <em>rules</em> and regulations in regards to mortgage lending and assistance programs. \n\nThe borrowers XXXX XXXX and XXXX XXXX sent a letter addressing the issues with Chase, loan servicing and escrow accounts assessed."]},"sort":[11.434525,"2106645"]},{"_index":"complaint-public-v1","_id":"2717927","_score":11.313168,"_source":{"product":"Debt collection","complaint_what_happened":"Pressler and Pressler represents XXXX XXXX in the amount of {$9400.00} and commenced action XXXX XXXX XXXX in XXXX XXXX NJ against Husband and wife.. \n\nHusband and wife resided in XXXX XXXX NJ for approx 15 years.Husband and wife moved on or about XXXX XXXX XXXX to XXXX XXXX XXXX NJ over 100 miles away, On XXXX XXXX XXXX Pressler and Pressler attempted service to Husband and wife by certified mail and regular mail. Both certified mail 's were returned as undeliverable and Husband 's regular mail was returned with words written upon envelope : no such person resides here '' 3 times ... as if someone Wife 's regular was not returned.\nService was said to be effectuated upon Wife. \n\non or about XXXX XXXX XXXX Wife was given a writ of wage execution by her employer. This is when Husband and wife found out about the lawsuit.\nWe found out that Pressler and Pressler filed suit against Husband and wife upon an address that Husband and wife did not live at since XXXX of XXXX. \n\nPressler relied upon only XXXX XXXX 's last known address and did not attempt to do any other investigations to confirm such address. This is not first time for this attorney to do a proper lawsuit. It is their professional duty and conduct to make sure they are correct. and When something seems wrong from the start, it is a responsibility to the unsuspected public and their duty to make sure they are correctly effectuating a lawsuit and sending proper notices ... \n\nPressler and Pressler did not send a letter prior to the suit to inform Husband and wife of the debt or potential actions therefore no validation of the debt was able to be provided Pressler and Pressler said they knew of Husband and wife 's actual address XXXX of XXXX, n a motion response dated XXXX XXXX, yet still continued to not send Husband or Wife any court papers such judgment orders, wage execution letters or writs, which were all done after XXXX XXXX. We know this from their answers provided upon vacating the actions of judgement and garnishment of wages. They acknowledged their knowing of Husband and wife 's new address.\nPressler and Pressler violated the law in many ways that an experienced debt collector should have known to not violate and yet continued to push thru a lawsuit without regard to Husband and wife, court rules, state laws and federal laws.\nPressler and Pressler continues to attempt to take Husband and wife 's property by making and deceptively making a wage garnishment ... Pressler and Pressler admitting knew and know of Husband and wife 's address ... But failed to serve with documentation communicate at anytime other than to push a lawsuit against them without allowing them to defend themselves. \n\nThey will try to say it was excusable and not intentional however they know the procedures and need to be held accountable to each of them. They made no attempt to look and confirm addresses and continuously ignored procedures to get to a final verdict with ease ... Taking of Husband and wife 's money and property.ignoring court rules and intentionally causing harm to Husband and Wife.\nUpon calling Pressler and Pressler in XXXX XXXX to discuss the matter, they indicated that did not have our actual address updated in their systems. On the initial communication of that call I spoke to a paralegal and I was put on hold to discuss matters with an attorney. I was put on hold then to voice mail The attorney called back and seem to know very little about my account and the situation. \n\nDeceptive practices such as this by Pressler and Pressler are ignored and can not be ignored any longer. Their previous actions are on record and actions need to be taken to stop their deceptive practices here and in the future. \n\nWhen i called to discuss my matter on XXXX XXXX XXXX, they had me on hold for such a long time as if to update the attorneys on the case. They told me on the phone they did not have my updated address ... When you call, you talk to only a paralegal ... and then passed to an attorney ... who returns calls only so you are put into a voice mail system. \n\nThey never showed at the motion hearing and this indicates to me that my case fell between the cracks with little to no attention given to procedures that an attorney should be doing. XXXX different attorneys handled the papers as they proceeded to slip the service, the judgement and the wage garnishment thru ... How can 4 different attorneys ignore sending papers to a defendant when they say they know of the address but then say they never knew of the address.\nPressler and Pressler has already been sanctioned with a fine by the CFPB ... for practices ... I think I would leave the sanctions to CFPB and hope that you will make a statement to wake up the overlooking that is taken by firms such as Pressler and Pressler to be able to get away with taking people 's money with no regard to rules or merely running along the rules just to slip thru cracks as opportunity is given. XXXX producing lawsuits upon people and using the numbers to benefit their bottom line for profit. \n\nThe courts take stances that defendants are wrong if they arrive in court pro se I can attest this by this very same case when the judge admitted no service was effectuated but yet set a trial within 10 days of the very same motion hearing date.","date_sent_to_company":"2017-11-01T14:48:41.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"082XX","tags":null,"has_narrative":true,"complaint_id":"2717927","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Pressler & Pressler, LLP","date_received":"2017-11-01T14:27:08.000Z","state":"NJ","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["I think I would leave the sanctions to CFPB and hope that you will make a statement to wake up the overlooking that is taken by firms such as Pressler and Pressler to be able to get away with taking people 's money with no regard to <em>rules</em> or merely running along the <em>rules</em> just to slip thru cracks as opportunity is given. XXXX producing <em>lawsuits</em> upon people and using the numbers to benefit their bottom line for profit."]},"sort":[11.313168,"2717927"]},{"_index":"complaint-public-v1","_id":"19576580","_score":11.283435,"_source":{"product":"Debt collection","complaint_what_happened":"THIS COLLECTION HAS TIMED OUT AND MUST BE DELETED! Consumer Complaints and FDCPA Violations : Many consumers have filed lawsuits and class actions against XXXX for alleged FDCPA violations, including misrepresenting debt information, making misleading collection attempts, and failing to disclose information about the debt. The FTC 's Role in Debt Collection : The Federal Trade Commission ( FTC ) plays a role in overseeing debt collectors and investigating illegal practices. The XXXX FTC Report : The FTC issued a significant XXXX report titled \" Repairing a Broken System : Protecting Consumers in Debt Collection ''. This report highlighted systemic issues in the debt collection industry, including the problem of debt buyers like XXXX suing on time-barred debts. Fines and Investigations : In the past, entities related to XXXX, such as XXXX XXXX XXXX, have been subject to investigations and fines for improper debt collection practices, such as one by the XXXX XXXX XXXX XXXX  XXXX. Therefore, there is not a single, high-profile case named \" FTC v. XXXX XXXX, '' but rather a history of regulatory scrutiny, consumer lawsuits, and FTC reports that highlight the company 's alleged misconduct in the debt collection industry. This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : The third-party transfer became popular as a debt purchase arrangement in XXXX after a XXXX XXXX XXXX Decision XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO THE UNITED STATES XXXX XXXX XXXX FOR THE XXXX XXXX XXXX. XXXX. Argued XX/XX/XXXX, XXXXDecided XX/XX/XXXX This decision basically took away federal rights protections under the Fair Debt Collection Practices Act as amended by Public Law XXXX, title X, XXXX Stat. XXXX ( XXXX ) Financial institutions applauded this decision based upon the fact that they could relinquish charged off debts and purge consumer files upon transfer of ownership. In essence, the transfers take place in multiples of XXXX  of dollars at a time. The greatest benefit to financial institutions is the huge reductions of defaulted debts on XXXX quarterly filings with the Securities and Exchange Commission. This huge reduction is essential for continuation of high bond ratings for said institutions to raise new capital at exceptionally low interest rates on XXXX XXXX pooling and servicing agreements. Accordingly, this collection is in FDCPA rules violations, and must be deleted permanently!!!","date_sent_to_company":"2026-04-20T16:44:28.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"55113","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"19576580","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2026-02-18T01:57:30.000Z","state":"MN","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Accordingly, this collection is in FDCPA <em>rules</em> violations, and must be deleted permanently!!!"]},"sort":[11.283435,"19576580"]},{"_index":"complaint-public-v1","_id":"19576532","_score":11.283435,"_source":{"product":"Debt collection","complaint_what_happened":"THIS COLLECTION HAS TIMED OUT AND MUST BE DELETED! Consumer Complaints and FDCPA Violations : Many consumers have filed lawsuits and class actions against XXXX for alleged FDCPA violations, including misrepresenting debt information, making misleading collection attempts, and failing to disclose information about the debt. The FTC 's Role in Debt Collection : The Federal Trade Commission ( FTC ) plays a role in overseeing debt collectors and investigating illegal practices. The XXXX FTC Report : The FTC issued a significant XXXX report titled \" Repairing a Broken System : Protecting Consumers in Debt Collection ''. This report highlighted systemic issues in the debt collection industry, including the problem of debt buyers like XXXX suing on time-barred debts. Fines and Investigations : In the past, entities related to XXXX, such as XXXX XXXX XXXX, have been subject to investigations and fines for improper debt collection practices, such as one by the XXXX XXXX XXXX  XXXX XXXX. Therefore, there is not a single, high-profile case named \" FTC v. XXXX XXXX, '' but rather a history of regulatory scrutiny, consumer lawsuits, and FTC reports that highlight the company 's alleged misconduct in the debt collection industry. This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : The third-party transfer became popular as a debt purchase arrangement in XXXX after a XXXX. XXXX XXXX  Decision XXXX XXXX XXXX AL. XXXX XXXX XXXX XXXX XXXX XXXX TO THE UNITED STATES XXXX XXXX XXXX FOR THE XXXX XXXX XXXX. XXXX. Argued XX/XX/XXXX, XXXXDecided XX/XX/XXXX This decision basically took away federal rights protections under the Fair Debt Collection Practices Act as amended by Public Law XXXX, title X, XXXX Stat. XXXX ( XXXX ) Financial institutions applauded this decision based upon the fact that they could relinquish charged off debts and purge consumer files upon transfer of ownership. In essence, the transfers take place in multiples of XXXX  of dollars at a time. The greatest benefit to financial institutions is the huge reductions of defaulted debts on XXXX quarterly filings with the Securities and Exchange Commission. This huge reduction is essential for continuation of high bond ratings for said institutions to raise new capital at exceptionally low interest rates on XXXX XXXX pooling and servicing agreements. Accordingly, this collection is in FDCPA rules violations, and must be deleted permanently!!!","date_sent_to_company":"2026-02-18T01:57:36.000Z","issue":"Written notification about debt","sub_product":"Telecommunications debt","zip_code":"55113","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"19576532","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2026-02-18T01:54:39.000Z","state":"MN","company_public_response":"Company can't verify or dispute the facts in the complaint","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["Accordingly, this collection is in FDCPA <em>rules</em> violations, and must be deleted permanently!!!"]},"sort":[11.283435,"19576532"]},{"_index":"complaint-public-v1","_id":"2495880","_score":11.192683,"_source":{"product":"Debt collection","complaint_what_happened":"In  XXXX   XXXX , I was rear-ended. Following the accident, I seeked medical attention from a  XXXX  in  XXXX   XXXX , CA. The name of the  XXXX  facility was  XXXX   XXXX   XXXX . I only received an   XXXX   XXXX   and  XXXX  in  XXXX  appointment. I had filled out the necessary paperwork as this was on a medical lien, due to pending litigation. The lawsuit is still pending, therefore, should still be on a medical lien.     The collection agency FIDELITY CREDITOR  SERVICE, INC. list ed on my credit report as an open collection has not contacted me nor made any efforts to validate this debt. I have attempted to contact this creditor to resolve this matter, yet the information for the creditor is not valid on my credit report. The creditor also does not have an active business license in the state of California, where they are listed to be conducting business. The amount of the collection as of  XXXX   XXXX ,  2017  is {$200.00} I have been unable to resolve this matter on my own and even with efforts of small claims suit, have been unable to ser  ve this creditor due to inaccurate information.\nI do believe that a rule of the FCRA requires that creditors have up to date contact information so that debtors may be   able to resolve their debt.     I appreciate your assistance in this matter,  XXXX   XXXX","date_sent_to_company":"2017-05-28T21:46:07.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"83616","tags":null,"has_narrative":true,"complaint_id":"2495880","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIDELITY CAPITAL HOLDINGS, INC","date_received":"2017-05-28T21:27:23.000Z","state":"ID","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The <em>lawsuit</em> is still pending, <em>therefore</em>, should still be on a medical lien.     The collection agency FIDELITY CREDITOR  SERVICE, INC. list ed on my credit report as an open collection has not contacted me nor made any efforts to validate this debt. I have attempted to contact this creditor to resolve this matter, yet the information for the creditor is not valid on my credit report."]},"sort":[11.192683,"2495880"]},{"_index":"complaint-public-v1","_id":"1510701","_score":10.98177,"_source":{"product":"Debt collection","complaint_what_happened":"I had a mortgage foreclosure by XXXX XXXX on XXXX XXXX, XXXX, with a XXXX XXXX, XXXX auction date. Fannie Mae insured the note and paid XXXX XXXX. \n\nOn XXXX XXXX, XXXX, I received a letter from Dyck-O'Neal Inc. ( DONI ) ) stating the note has been assigned to DONI by XXXX DEFICIENCIES. The letter stated no collection efforts will occur on this account for the next 30 days. The next day, XXXX XXXX, XXXX, they filed a lawsuit for {$61000.00}. \n\nOn XXXX XXXX, XXXX, I received a summons on this matter with twenty days to respond or be in default. \n\nI quickly researched the statute of Limitations ( SOL ). I found out the SOL was five years and therefore the lawsuit was beyond the SOL and did n't apply and I responded to the court as such. In XX/XX/XXXX, The state of Florida changed the SOL to one year. However, all of the old foreclosures within the five years, the Collectors had until XXXX XXXX, XXXX to file lawsuits. Hence DONI filed about XXXX lawsuits in Florida. I still thought I was outside the SOL as the foreclosure took place on XXXX XXXX, XXXX with an auction date for sale on the property set for XXXX XXXX, XXXX. When I looked up the court records I found out the sale was postponed until XXXX XXXX, XXXX, which now put me inside the SOL, hence the lawsuitI researched THE FAIR DEBT CONSUMER PROTECTION ACT ( FDCPA ) and other legal and non legal documents. In the FDCPA I noted many violations. Some of which are Section 809 ( validation of debt ) ( a ) ( 1 ), ( a ) ( 2 ), ( a ) ( 3 ), ( a ) ( 4 ), ( a ) ( 5 ) and ( b ). Section 813 ( Civil Liability ), ( a ) ( 1 ) and ( a ) ( 2 ) ( A ). ( Copies of these statutes are uploaded as attachments ) In The Florida Rules of Civil Procedure ( Rule 1.070 Process ) Item ( j ) states : If the service of the initial pleading is not made upon the defendant within 120 days, the court on its own initiative or upon motion to dismiss the action ... .... In this case the plaintiff was not in compliance. Instead, they returned the summons on the 120th day, XXXX XXXX, XXXX to the court. On XXXX XXXX, XXXX, the plaintiff got a new summons from the court which was served on XXXX XXXX, XXXX. It should be noted the defendant has resided at the same address since XXXX XXXX. \n\nDONI has an appraisal on the foreclosed property in an amount of {$210000.00} dated XXXX/XXXX/XXXX. The defendant has an appraisal of {$280000.00} dated XXXX/XXXX/XXXX, prepared by the same appraiser used by XXXX XXXX in order to approve the note. The balance of the note up to Final Judgment of Foreclosure was {$250000.00} plus interest of {$15000.00} and late fees of {$230.00} which equals a total of {$270000.00}, which results in the DONI receiving a value of {$11000.00} in excess of what the defendant owed. In as much as XXXX received property at a value greater than what the defendant owed that amount should be paid to the defendant. \n\nOn XXXX XXXX, XXXX, the plaintiff reported to the Credit Bureaus ' an Account in Collection in the amount of {$61000.00}. The defendant 's credit score dropped from XXXX ( very good ) to about XXXX ( bad ). This has had a deleterious effect on the defendant in gaining employment, her voluntary community service, difficulty in finding housing and obtaining credit","date_sent_to_company":"2015-08-19T16:19:11.000Z","issue":"Disclosure verification of debt","sub_product":"Mortgage","zip_code":"337XX","tags":null,"has_narrative":true,"complaint_id":"1510701","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Dyck-O'Neal, Inc.","date_received":"2015-08-10T15:45:51.000Z","state":"FL","company_public_response":null,"sub_issue":"Right to dispute notice not received"},"highlight":{"complaint_what_happened":["The next day, XXXX XXXX, XXXX, they filed a <em>lawsuit</em> for {$61000.00}. \n\nOn XXXX XXXX, XXXX, I received a summons on this matter with twenty days to respond or be in default. \n\nI quickly researched the statute of Limitations ( SOL ). I found out the SOL was five years and <em>therefore</em> the <em>lawsuit</em> was beyond the SOL and did n't apply and I responded to the court as such. In XX/XX/XXXX, The state of Florida changed the SOL to one year."]},"sort":[10.98177,"1510701"]},{"_index":"complaint-public-v1","_id":"13433455","_score":10.927877,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"RE : Complaint for violation of the Final Rule on Arbitration passed on XX/XX/XXXX HERE COMES NOW, XXXX XXXX, the plaintiff in this case, humbly and respectfully filing a complaint against defendants Lentegrity LLC and XXXX XXXX XXXX XXXX XXXX XXXX for the violation of the Final Rule on Arbitration ( the Final Rule or the Rule ) that was passed on XX/XX/XXXX which prohibits the use of pre-dispute arbitration provisions in consumer financial products and services. \nThe Rule was published in the XXXX XXXX on XX/XX/XXXX, and became effective on XX/XX/XXXX ( the Effective Date ) with mandatory compliance required beginning XX/XX/XXXX ( the Compliance Date ). \nThe plaintiff is currently in litigation against the defendants where the case is pending at the XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX under case number XXXX and initially filed at the XXXX XXXX XXXXXXXX XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX number XXXX. \nThe plaintiff alleges that he experienced predatory lending when he purchased a vehicle from the defendant XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, VA XXXX on the date of XX/XX/XXXX. The vehicle was priced at XXXX XXXX but the plaintiff borrowed an auto loan which was disbursed by Lentegrity LLC as per the plaintiffs credit report, even though the sales contract shows that XXXX XXXX XXXX is the lender. \nThe vehicle was priced at XXXX , but plaintiff did not have the cash amount, therefore he borrowed an auto loan. The predatory practice that the defendants engaged in is adding hidden fees which increased the value of the vehicle to XXXX $ which became the loan amount. \nThe vehicle was priced at about XXXX , but it was overpriced to XXXX $ which is a difference of XXXX $ ( XXXX - XXXX = XXXX $ ). The XXXX $ amount became the loan amount borrowed by the plaintiff where XXXX $ was meant for the vehicle and the XXXX $ became the fee for disbursing the loan from the defendant XXXX XXXX XXXX. The plaintiff is supposed to pay again XXXX $ as the finance fee for borrowing XXXX $ from the same auto dealer selling the vehicle. \nThe auto loan agreement between the plaintiff and XXXX XXXX XXXX are : a. The loan amount is XXXX XXXX \nb. The Annual Percentage Rate ( XXXXnterest Rate ) is 15.99 %. \nc. The loan term is 60 months or 5 years. \nd. The monthly payment is XXXX XXXX \ne. The total amount to be paid at the end of the loan is XXXX XXXX \nf. The Finance charge is XXXX XXXX \n\nThe defendants consumer credit businesses were formed in XX/XX/XXXX for Lentegrity LLC and XXXX XXXX XXXX XXXX XXXX XXXX was formed XX/XX/XXXX, yet the compliance date for the final rule on arbitration started on XX/XX/XXXX, therefore when the defendants sold the plaintiff the vehicle on XX/XX/XXXX, they were already required to be in compliance and as such, they failed to edit their sales contract to remove the pre dispute arbitration clause and now when the plaintiff had a dispute against them, they forced the plaintiff into arbitration which is clearly against the Final Rule on Arbitration. \n\n\n\nThe plaintiff discovered the information and informed them about it and requested them to cancel any pending arbitration hearing with XXXX XXXX, but they are adamant and refusing to cancel the arbitration hearing and now we must take it that they are willfully neglecting to be in compliance with the Final Rule on Arbitration which is within your jurisdiction to take action and discover all the affected victims of predatory lending from XX/XX/XXXX to this day in XX/XX/XXXX. \nThe arbitration clause in question and hereby attached below, clearly stated that, If federal law provides that a claim or dispute is not subject to binding arbitration, this Arbitration Provision shall not apply to such claim or dispute. \nTherefore, the defendants enforced this arbitration provision against the plaintiff which is against the final rule on arbitration and as such the people of Virginia are formally requesting the Consumer Financial Protection Bureau to initiate a case against Lentegrity LLC and XXXX XXXX XXXX XXXX XXXX XXXX in order to rescue victims of predatory lending who have suffered from this arbitration provision since XX/XX/XXXX to this day XX/XX/XXXX. \n\nIn that regard, the Consumer Financial Protection Bureau clearly stated that, On XXXX XXXX, XXXX, the XXXX signed a joint resolution passed by Congress disapproving the Arbitration Agreements Rule under the Congressional Review Act ( CRA ). Pursuant to the joint resolution, the Arbitration Agreements Rule has no force or effect. On XXXX XXXX, XXXX, the Bureau published a notice removing the Arbitration Agreements Rule from the Code of Federal Regulations.\n\nThe Consumer Financial Protection Bureau further states that, First, the final rule prohibits covered providers of certain consumer financial products and services from using an agreement with a consumer that provides for arbitration of any future dispute between the parties to bar the consumer from filing or participating in a class action concerning the covered consumer financial product or service, where the plaintiff asserts that the defendants and predatory lenders are part of the covered providers who are now and have been prohibited by this law since XXXX, and as a result they have not been compliant with this act because the plaintiff signed the sales contract in XXXX, which is clearly after the final rule was issued. \nThe plaintiff notes that the predatory lenders, Lentegrity LLC and XXXX XXXX XXXX evidently fall under the category of service providers because they are an automobile business entity providing credit and finance options for their vehicles and their definitions are clearly set forth fully under paragraphs 5, 6 and 7 of 12 U.S. Code 5481 - Definitions.\n\nThe final rule of 12 CFR 1040 stated that, Second, the final rule requires covered providers that are involved in an arbitration pursuant to a pre-dispute arbitration agreement to submit specified arbitral records to the Bureau and also to submit specified court records. The Bureau has also adopted official interpretations to the proposed regulation.\n\nThis plaintiff argues that the defendants should submit all arbitral records to the Bureau for all the sales contracts from XXXX to XXXX, that they have successfully imposed arbitration on the consumers or in the alternative, the Bureau should order the defendants to release the information of the consumers from XXXX to XXXX so that they can be discovered and compensated accordingly. \nThe plaintiff further argues that other jurisdictions have ruled on the enforceability of arbitration provisions in predatory lending disputes which includes the following notable cases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Respondents filed a complaint against XXXX XXXX XXXX XXXX XXXX ( \" XXXX XXXX XXXX  '' ), which was later consolidated with a putative class action, alleging that XXXX XXXX XXXX had engaged in false advertising and fraud by charging sales tax on phones it advertised as free. XXXX XXXX XXXX moved to compel arbitration under the terms of its contract with respondents and respondents opposed the motion contending that the arbitration agreement was unconscionable and unlawfully exculpatory under California law because it disallowed classwide procedures. The district court denied XXXX XXXX XXXX 's motion in light of XXXXXXXX XXXX XXXXXXXX XXXX XXXX and the XXXX XXXX affirmed. At issue was whether the Federal Arbitration Act ( \" FAA '' ), 9 U.S.C. 2, prohibited states from conditioning the enforceability of certain arbitration agreements on the availability of classwide arbitration procedures. The Court held that, because it \" stands as an obstacle to the accomplishment and execution of the full purposes and objectives of Congress, '' quoting XXXX XXXX XXXX, California 's XXXX XXXX  rule was preempted by the FAA. Therefore, the Court reversed the XXXX XXXX 's ruling and remanded for further proceedings consistent with the opinion. \nXXXX XXXX XXXX XXXX XXXX XXXX ) : Respondents were customers of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a XXXX XXXX registered with the Securities and Exchange Commission ( SEC ) , under customer agreements providing for arbitration of any controversy relating to their accounts. Respondents filed suit in XXXX XXXX XXXX XXXX XXXX and its representative ( also a petitioner here ) who handled their accounts, alleging violations of the anti-fraud provisions in 10 ( b ) of the Securities Exchange Act of 1934 ( Exchange Act ) and SEC Rule 10b-5, and of the Racketeer Influenced and Corrupt Organizations Act ( RICO ). Petitioners moved to compel arbitration of the claims pursuant to 3 of the Federal Arbitration Act, which requires a court to stay its proceedings if it is satisfied that an issue before it is arbitrable under an arbitration agreement. The District Court held that respondents ' Exchange Act claims were arbitrable, but that their RICO claim was not. The Court of Appeals affirmed as to the RICO claim, but reversed as to the Exchange Act claims.\n\nThe plaintiff asserts that his lawsuit against the defendants encompasses a wide range of violation of the U.S. federal laws and as such enforcing arbitration goes against the dictates of the U.S Congress and the President who signed the bill into law of the final rule amending of 12 CFR 1040 and as such sending the complaint into arbitration stood as an obstacle to the accomplishment and execution of the full purposes and objectives of Congress and therefore it should be addressed accordingly and maximum compensation be extended to all affected victims and survivors of predatory lending from the defendants.\n\nThe plaintiff further notes that predatory lenders like the defendants, often involve unfair, deceptive, or abusive practices in connection with consumer financial products and service which are not and should not be arbitrable and therefore the Bureau have previously considered various factors when determining the enforceability of arbitration provisions in these cases, including : Unconscionability : The plaintiff clearly showed and demonstrated how the arbitration agreement was so one-sided and oppressive that it is unenforceable because the entire process was being managed and controlled by the defendant and predatory lender XXXX XXXX XXXX who was being represented by their own registered agent thus appearing as propria persona, which goes against legal norm and other jurisdictions. The plaintiff also notes that he requested for the rescheduling of the arbitration hearing, but the clerk did not acknowledge the plaintiffs request, but as soon as XXXX XXXX requested for the rescheduling of the arbitration hearing, the clerk acknowledged XXXX XXXX request which evidently shows who the arbitration agency is primarily serving their needs. The plaintiff also showed how the defendant was using threats of financial sanctions and referencing the threats issued by the XXXX XXXX to try and subdue the plaintiff into signing another predatory contract which sought to impose unnecessary arbitration fees on the plaintiff as soon as he signed the agreement that did not clarify who would be responsible for all the fees for arbitration. Therefore, this arbitration is unenforceable because it is clearly and evidently one sided where the defendant was hoping for a straight and easy win with a dismissal and further costs to be imposed on the plaintiff, but unfortunately for the predatory lenders, residents of Virginia are much smarter than they appear and as such the Bureau must stand firm with the dictates of the law and grant the plaintiffs request on the grounds of unconscionability of arbitration of this complaint.\n\nPublic policy : The plaintiff provided the provision of the law that goes against enforcing the arbitration agreement, which is the final rule of 12 CFR 1040 where further enforcing arbitration will contravene the public policy and further harm the public interest and therefore the Bureau should grant the plaintiffs request on the grounds of the dictates of the public policy where the CFPBureau amended 12 CFR chapter X by removing part 1040 and as a result, the arbitration clause under the plaintiffs sales contract is null and void. \n\nTHEREFORE, the plaintiff XXXX XXXX claims that by their own admission of the sales contract of the defendants and predatory lenders under the arbitration provisions, the arbitration clause clearly stated that, If federal law provides that a claim or dispute is not subject to binding arbitration, this Arbitration Provision shall not apply to such claim or dispute, and as such since XXXX XXXX, XXXX, XXXX XXXX in his first term signed a joint resolution passed by Congress disapproving the Arbitration Agreements Rule under the Congressional Review Act ( CRA ) and therefore the defendants had no basis requesting for arbitration as it is against the law and as such all the consumers who have been subjected to arbitration since XX/XX/XXXX by the defendants, should be discovered and compensated accordingly with an order from the Consumer Financial Protection Bureau who also has jurisdiction to represent consumers in the XXXX XXXX \nWHEREFORE, the plaintiff respectfully files this complaint and swears under penalties of perjury that the foregoing is true to the best of his knowledge in that the defendants enforced an arbitration provision against the plaintiff which is against the final rule on arbitration and as such the people of Virginia are formally requesting the Consumer Financial Protection Bureau to initiate a case against Lentegrity LLC and XXXX XXXX XXXX XXXX XXXX XXXX in order to rescue victims of predatory lending who have suffered from this arbitration provision since XX/XX/XXXX to this day XX/XX/XXXX.","date_sent_to_company":"2025-05-09T05:55:18.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"223XX","tags":null,"has_narrative":true,"complaint_id":"13433455","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Lentegrity Management, LLC","date_received":"2025-05-09T05:29:53.000Z","state":"VA","company_public_response":null,"sub_issue":"Notice to repossess"},"highlight":{"complaint_what_happened":["The plaintiff asserts that his <em>lawsuit</em> against the defendants encompasses a wide range of violation of the U.S. federal laws and as such enforcing arbitration goes against the dictates of the U.S Congress and the President who signed the bill into law of the final <em>rule</em> amending of 12 CFR 1040 and as such sending the complaint into arbitration stood as an obstacle to the accomplishment and execution of the full purposes and objectives of Congress and <em>therefore</em> it should be addressed accordingly and"]},"sort":[10.927877,"13433455"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":321,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":321}]}},"product":{"doc_count":321,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt 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