{"took":774,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":36,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10497730","_score":17.683435,"_source":{"product":"Debt collection","complaint_what_happened":"I had been getting harassed about a medical debt that I was supposed to owe. The harassment went on for at least 2 years or more over these charges to XXXX XXXX XXXX. I repeatedly explained that my health insurance XXXX XXXX, pays the full amount of cost for my medical supplies, food and protein packets, gauges and syringes, as I am XXXX dependent for the remainder of my life due to XXXX diagnosis 5 years ago. I am XXXXXXXX XXXX but unfortunately was left with the XXXX of not being able to eat through my month. The medical food and supplies are my lifeline and are needed daily. I became very irritated with XXXX XXXX harassment as they had been told before XXXX that my medical supplies and food were covered. The next thing I know, XXXX had sent the {$200.00} bill to collections to the company name State Collection Service , Inc. at that point I just felt helpless and a tremendous amount of stress which led to me paying the debt. I just dont understand why this situation continued. I called XXXX again and complained about the harassment. XXXX then contacted XXXX about the situation. \nQuote this is what XXXX said to XXXX and they even called me and apologized for the error and promised to return my funds back to me and clear the damage on my credit report in which none of this was done. I am furious, stressed and saddened but the situation and would like to sue for pain and suffering and damages. Please assist in looking further into this situation. Thank you.","date_sent_to_company":"2024-10-19T00:59:59.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"21701","tags":null,"has_narrative":true,"complaint_id":"10497730","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"State Collection Service, Inc.","date_received":"2024-10-18T23:51:50.000Z","state":"MD","company_public_response":null,"sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["The next thing I know, XXXX had sent the {$200.00} bill to <em>collections</em> to the company name State <em>Collection</em> Service , Inc. at that <em>point</em> I just felt helpless and a tremendous amount of stress which led to me paying the <em>debt</em>. I just dont understand why this situation continued. I called XXXX again and complained <em>about</em> the harassment. XXXX then contacted XXXX <em>about</em> the situation."],"product":["<em>Debt</em> <em>collection</em>"],"company":["State <em>Collection</em> Service, Inc."],"sub_product":["Medical <em>debt</em>"]},"sort":[17.683435,"10497730"]},{"_index":"complaint-public-v1","_id":"4154086","_score":16.01717,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Submitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! \nDue to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a XXXX  for \" collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \nLOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! \n\nTHE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-02-21T05:53:01.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4154086","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-02-21T00:48:38.000Z","state":"AK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["THEY CAN NOT COLLECT on a DISCHARGED <em>DEBT</em>!!"]},"sort":[16.01717,"4154086"]},{"_index":"complaint-public-v1","_id":"7463835","_score":15.626977,"_source":{"product":"Debt collection","complaint_what_happened":"I was in use of XXXX XXXX in the month/ year of XX/XX/XXXX. Rather than properly submitting claims to the VA as they should have, there is no evidence they ever submitted any form of request for payment. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Phoenix Financial Services debt collector stating that I owed the balance or it would go to collection. On XX/XX/XXXX I contacted the VA at which point they gave me an address to have XXXX send them the claims for processing and payment to close out the billing. I contacted XXXX on XX/XX/XXXX I spoke with a rep in billing, and they refused to send the billing claims to the VA for payment. They stated that now that it was in collections I had to handle it through there. Rather than get completely paid, they'd rather not submit the claims at all. After that call, I contacted the collection agency explaining the situation, and suggesting they instead submit the claims for payment. Instead, the man grew very aggressive and rude. Telling me it was my responsibility to pay, had I never heard of \" patient responsibility ''. I told him that I had, and that is why I was working hard to get this situation resolved. It was not my mistake or error that the account had not been paid in full in the first place, but rather that of XXXX for not submitting the claims correctly. The man continued to berate me, telling me I was at fault, and that he would come after me. I told him to simply submit the claims and he would be paid. He proceeded to utter profane verbiage and threaten me with liens and garnishment. At which point I had to hang up. This is completely unacceptable. I am a XXXX XXXX XXXX XXXX  and all my medical care is covered. Due to the incompetence of XXXX I am now dealing with debt collection and an abusive collector. I am worried about my credit and is causing me serious stress and pain. It is not right that a business can act this way and we are the victims who must suffer for it. \nAfter doing research I found this on XXXX XXXX XXXX XXXX  site : \" Current Alerts For This Business Government Action : XXXX  reports on known government actions involving business marketplace conduct : : Consumer Financial Protection Bureau Consent Order for Phoenix Financial Services, LLC On XX/XX/XXXX, the Consumer Financial Protection Bureau issued a Consent Order against Phoenix Financial Services. The Order settles allegations that Phoenix Financial Services violated the Fair Credit Reporting Act by failing to \" conduct reasonable investigations of consumer disputes, '' as well as the Fair Debt Collection Practices Act by \" using false and deceptive means to collect debt. '' Under the terms of the Consent Order, Phoenix Financial Services is ordered to ( a ) provide redress to affected consumers who received unlawful debt collection letters between XX/XX/XXXX and the Effective Date of the Consent Order and ( b ) pay a {$1.00} XXXX penalty to the Consumer Financial Protection Bureau. For extended details about the CFPB 's action and the Consent Order, you can visit this link : https : //www.consumerfinance.gov/enforcement/actions/phoenix-financial-services-llc/. XXXX XXXX XXXX XXXX More can be read in a XX/XX/XXXX article regarding how the CFPB took action against Phoenix Financial Services for Illegal Medical Debt Collection and Credit reporting Practices. \n\nhttps : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-phoenix-financial-services-for-illegal-medical-debt-collection-and-credit-reporting-practices/","date_sent_to_company":"2023-08-28T21:52:28.000Z","issue":"Communication tactics","sub_product":"Medical debt","zip_code":"32259","tags":"Servicemember","has_narrative":true,"complaint_id":"7463835","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Phoenix Financial Services LLC","date_received":"2023-08-28T20:52:16.000Z","state":"FL","company_public_response":null,"sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["At which <em>point</em> I had to hang up. This is completely unacceptable. I am a XXXX XXXX XXXX XXXX  and all my medical care is covered. Due to the incompetence of XXXX I am now dealing with <em>debt</em> <em>collection</em> and an abusive collector. I am worried <em>about</em> my credit and is causing me serious stress and <em>pain</em>. It is not right that a business can act this way and we are the victims who must suffer for it."],"product":["<em>Debt</em> <em>collection</em>"],"sub_product":["Medical <em>debt</em>"]},"sort":[15.626977,"7463835"]},{"_index":"complaint-public-v1","_id":"4522270","_score":15.592202,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/XXXX, I entered XXXX XXXX XXXX XXXX XXXX XXXX for treatment of severe XXXX XXXX. I was immediately told by the front desk receptionist to leave and get checked-in at the COVID-19 tent outside. At this point, I had barely been able to get out of bed for 5 days with excruciating XXXX XXXX, XXXX, and extreme XXXX. Upon arriving at the tent with my husband, a young man began asking me questions about my symptoms. At this point, I asked if I could please sit down because of how weak I felt and was refused. Another man soon came to where we were standing and took my vitals. He checked my XXXX XXXX and temperature, which was recorded at a little over XXXX, while the other man continued asking me questions. I told him I had been having severe XXXX  XXXX XXXX, XXXX, and was unable to function for almost 5 days. I offered him the diagnoses of a possible XXXX or severe XXXX XXXX. \n\nI was then instructed to enter the tent alone and wait for instructions. My husband left and waited for me in the car. Approximately XXXX minutes later, the young man asked me to submit a XXXX sample. I was instructed to enter the portable bathroom outside the tent and XXXX in a cup. Once this was completed, I placed the sample at the designated spot on the desk inside the tent and was further instructed to wait for a doctor. \n\nAbout XXXX minutes later, a woman approached me as I was sitting on a metal chair in the tent with my head down. She stood about XXXX feet back and yelled at me, Why are you here? I thought maybe I did not hear her correctly because of her bluntness, so I replied Huh? She yelled again, Why are you here? I think I was still in shock because of her demeanor, so I replied again, Huh? At this point, she became very agitated with me and firmly yelled again, Why are you here? I am still unaware of who this woman is because she did not state her name or position, so I assumed she was a nurse coming to ask me some questions. I then told her the same symptoms I had told the earlier young man, severe XXXX XXXX, XXXX, extreme XXXX. She then told me very aggressively to lay back in the chair while she applied pressure to my abdomen. After this, she just walked away without stating any information at all. I am still unaware at this point her name or title. \n\nI continued sitting in the very uncomfortable metal chair for almost another XXXX minutes before I got up and walked to the entrance of the tent where the young man had first asked me about my symptoms. I asked for a status on seeing a doctor, and he stated they would let me know. The metal chairs were very uncomfortable, so I asked him if I could go back to the car and wait. He said yes, and that they would call me when I would be able to see a doctor. I walked to the parking lot and waited in the car with my husband for approximately another XXXX minutes. The man who took my vitals approached the car and knocked on the window, telling us they were ready, and we could drive up closer to the tent. As we drove up to the tent, the younger man who first took all my information approached the drivers side window where my husband was driving. I attempted to exit the passenger side of the car and was told not to get out, I was being discharged. \n\nI was confused because I was still under the impression that I was waiting to see a doctor. The young man handed us the discharge paperwork and explained that it was just XXXX XXXX and that I could take XXXX or XXXX for the pain, and apply a topic pain relief like XXXX XXXX if needed. At this point, I questioned him about the results of my XXXX test, and he told me it was fine. Frustrated and extremely tired, we took the paperwork and left. \n\nLuckily, the next day I had a yearly visit scheduled with my OB/GYN for a pap smear. Still in very much pain, I managed to make it to the appointment where I explained the same symptoms to my doctor. I submitted another XXXX sample for testing and culture. Immediately my doctor knew something was not right. She had me sit up from the medical table where I was laying and began touching my lower back in places, asking me if I felt any pain. When she pressed in the XXXX area, I immediately felt pain. It took her no time at all to diagnose me with a XXXX XXXX and began treating me right away. The culture came back several days later showing a positive result for an XXXX. \n\nThe XXXX XXXX XXXX XXXX has treated me unfairly. I now have been billed by the following : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  {$600.00} for Emergency department visit {$80.00} for Services between XXXX pm and XXXX am at a XXXX Facility XXXX. XXXX XXXX XXXX XXXX {$310.00} for XXXX XXXX {$1100.00} for Emergency Room Once I received these bills, I called and left a voicemail on XX/XX/XXXX with the XXXX Regional Patient Advocate. XXXX XXXX, on called me back on XX/XX/XXXX, where she took my complaint and told me she would follow up with the incident and get back in touch with me the following week. I have placed numerous call and left voicemails week after week with no reply. I also contacted XXXX XXXX XXXX and let them know that the bill was in dispute. They asked me to fax them my medical records showing that this was a misdiagnosis. I faxed my medical records to their XXXX Services on XX/XX/XXXX. I was then told that they would make a note of that on the bill and put a hold on it. \n\nThese ( 2 ) bills are now in collections for non-payment. Once I received these ( 2 ) bills from collection companies, I sent a Dispute letter to each company by certified mail within the XXXX period. XXXX refused my letter and returned back to me. XXXX accepted my letter, but did not reply with the correct validity of my debt. \n\nI am disputing all charges due to an incorrect diagnosis and the fact that I never even sat down in the XXXX XXXX. I also believe I was treated very rudely by what I thought might have been a nurse. \n\nThanks","date_sent_to_company":"2021-07-07T17:58:20.000Z","issue":"False statements or representation","sub_product":"Medical debt","zip_code":"756XX","tags":null,"has_narrative":true,"complaint_id":"4522270","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Medical Data Systems, Inc.","date_received":"2021-07-07T17:45:30.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["The young man handed us the discharge paperwork and explained that it was just XXXX XXXX and that I could take XXXX or XXXX for the <em>pain</em>, and apply a topic <em>pain</em> relief like XXXX XXXX if needed. At this <em>point</em>, I questioned him <em>about</em> the results of my XXXX test, and he told me it was fine. Frustrated and extremely tired, we took the paperwork and left. \n\nLuckily, the next day I had a yearly visit scheduled with my OB/GYN for a pap smear."],"product":["<em>Debt</em> <em>collection</em>"],"sub_product":["Medical <em>debt</em>"]},"sort":[15.592202,"4522270"]},{"_index":"complaint-public-v1","_id":"13614447","_score":14.952335,"_source":{"product":"Debt collection","complaint_what_happened":"Been dealing with XXXX XXXX for some time now. Filed complaint once because of garnishment they issued when I didnt even know they were the ones collecting and got it dropped. They later renewed an expiring judgement and tried to garnish again. Its for at least XXXX XXXX XXXXXXXX XXXX  debt from different state! Had to file another complaint to get them to work with me at lowering payment amount to avoid garnishment. \n\nHave been making monthly payments of {$200.00} now for about a year and half and have paid at least {$3000.00} now towards balance. Original debt was only {$4000.00} something and the rest tacked on is all interest and fees so I have paid a very large amount of original debt now. I can not afford to keep making XXXX  monthly payments, I could not afford it before but agreed to avoid garnishment. \n\nI have explain my situation many times to XXXX XXXX via email and letters. That im in XXXX, single income, rent and bills take most of my income. I need XXXX XXXXXXXX due to XXXX XXXXXXXX but can not get XXXX done as my time off from work I would not get my full pay and with the {$200.00} payments I absolutely would not be able to afford my rent or bills. \n\nSo have been having to keep working and dealing with pain everyday and this is all very stressful and frustrating. I asked them in XXXX if they would accept the amount already paid as settlement and stop collecting the monthly payments and explained my situation in great length once again. Reply back was standard repeat of what they sent before just saying they aren't garnishing and when payment plan would end. XXXX sympathy or understanding or acknowledgement really of situation or what I said. I replied back to their message without any response back to my XXXX message back in XXXX. \n\nThey are not even the company that bought the debt. NCMI Corp is one who had bought debt originally and started having XXXX XXXX  collection on their behalf. NCMI had refused to speak to me at all and go through XXXX. NCMI is not even in business anymore! XXXX bought them out which i found out myself when looking online, never received any notification about it. XXXX confirmed they bought ncmi and also refused to speak to me! \n\nFrom research online and what family member in finance told me is that collection companies buy debt for very little of original amount so my {$3000.00} I have paid I know for a fact is way more than NCMI had purchased debt for and whoever is keeping the money had made a decent profit by now! The interest and fees tacked on having nothing to do with original amount of what it was bought for. So many things I have researched have said debt collectors etc are usually willing to accept some sort of settlement amount of debt. \n\nIm literally begging at this point to accept the {$3000.00} ive paid now and move on. Its a really old medical debt from a procedure I had to get and insurance refused to cover all of and then I got stuck with amount. You'd think an old medical debt collection places would be a little more forgiving. Im getting desperate at this point and ive have tried multiple times to get this do be done with so I can move on from this debt and not have to keep stressing about money. Hoping filing another complaint with all this info would get something done again.","date_sent_to_company":"2025-05-20T19:10:01.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Medical debt","zip_code":"97124","tags":"Older American","has_narrative":true,"complaint_id":"13614447","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"NCMI Corporation","date_received":"2025-05-20T19:09:35.000Z","state":"OR","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["Im getting desperate at this <em>point</em> and ive have tried multiple times to get this do be done with so I can move on from this <em>debt</em> and not have to keep stressing <em>about</em> money. Hoping filing another complaint with all this info would get something done again."],"product":["<em>Debt</em> <em>collection</em>"],"sub_product":["Medical <em>debt</em>"],"sub_issue":["Threatened to sue you for very old <em>debt</em>"]},"sort":[14.952335,"13614447"]},{"_index":"complaint-public-v1","_id":"12786447","_score":14.741013,"_source":{"product":"Debt collection","complaint_what_happened":"I am disputing a rental collection account from RENTDEBT Automated that appears on my XXXX credit report. \n\nIn early XX/XX/2023, I underwent emergency surgery and remained hospitalized from XX/XX/XXXX to XX/XX/XXXX. During this time, I was physically incapacitated, on life-support equipment, and unable to manage my affairs. Upon regaining consciousness on XX/XX/XXXX, my first action was to instruct my ex-husband to return the apartment keys to the leasing office and inform them that I had undergone major surgery and could no longer continue the lease. He did so in person, notifying the office of my hospitalization and indefinite recovery. \n\nAt that point, there were still about two weeks left in the paid rental period, and a {$500.00} deposit remained with the landlord. I had no income, no savings, and was covered by XXXX ( Arizona Medicaid ) throughout this entire time. I did not return to work or begin earning income until XXXX XXXX  due to ongoing pain, surgical recovery, and XXXXXXXX XXXX XXXX XXXX. \n\nThis debt resulted from a medical crisis that rendered me unable to meet my lease obligations. I was not given any opportunity for a reasonable accommodation under the Fair Housing Act, and my oral requestdelivered through a representativeshould have been acknowledged as such. I believe this collection account misrepresents my creditworthiness and fails to account for serious, documented hardship. \n\nI provided documentation to XXXX, including a physicians letter, XXXX proof, and tax records, but they refused to remove the account. I am now requesting that CFPB intervene and require the furnisher ( RENTDEBT Automated ) or XXXX to remove this item from my credit report, as it stems from circumstances beyond my control, involving disability-level medical hardship.","date_sent_to_company":"2025-04-02T18:26:28.000Z","issue":"Attempts to collect debt not owed","sub_product":"Rental debt","zip_code":"85032","tags":null,"has_narrative":true,"complaint_id":"12786447","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"RentDebt Automated Collections, LLC","date_received":"2025-04-02T18:07:14.000Z","state":"AZ","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["At that <em>point</em>, there were still <em>about</em> two weeks left in the paid rental period, and a {$500.00} deposit remained with the landlord. I had no income, no savings, and was covered by XXXX ( Arizona Medicaid ) throughout this entire time. I did not return to work or begin earning income until XXXX XXXX  due to ongoing <em>pain</em>, surgical recovery, and XXXXXXXX XXXX XXXX XXXX. \n\nThis <em>debt</em> resulted from a medical crisis that rendered me unable to meet my lease obligations."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Attempts to collect <em>debt</em> not owed"],"company":["Rent<em>Debt</em> Automated <em>Collections</em>, LLC"],"sub_product":["Rental <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[14.741013,"12786447"]},{"_index":"complaint-public-v1","_id":"4175119","_score":13.2021675,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Once again, I submitted my complaint, and once again, less than 2 days sent a message saying they were \" investigating '' and then sent an email saying it was \" updated '', but did NOTHING! It is like NO ONE is actually LOOKING or READING any of the attachments, including the discharge from the BANKRUPTCY COURT showing ALL Student loans, including XXXX  were discharged. It was discharged due to hardship because of an injury. \nNot ONLY did XXXX turn around and SELL OFF the discharged debt for someone else to try and collect on AFTER discharge, which is illegal, XXXX is now claiming I owe {$20000.00} additional in fees. In 3 years it went from {$21000.00} to {$43000.00}? That's AMAZING! \nAs previously stated. I will submit all my paperwork EVERY DAY until THIS IS PROPERLY taken care of as it is FRAUD and WRONG! it goes against EVERYTHING CFPB is set up to do and so much for protection to me under Federal law!!!!!! These companies are getting away with breaking FEDERAL BANKRUPTCY LAWS and NO ONE seems to give a XXXX! I am injured and disabled and this is incredibly frustrating to have to explain the obvious and NO ONE READS!!!! \nSubmitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! \nDue to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a XXXX  for \" collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \nLOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! \n\nTHE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-03-01T21:18:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4175119","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-03-01T21:14:54.000Z","state":"AK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["That has the ENTIRE <em>point</em> of Chapter XXXX and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am <em>about</em> to file a lawsuit and I will drag in every doctor, judge and person I know for the <em>pain</em> and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \nLOOK at the attachments!"]},"sort":[13.2021675,"4175119"]},{"_index":"complaint-public-v1","_id":"4174899","_score":13.170964,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Once again, I submitted my complaint, and once again, less than 2 days sent a message saying they were \" investigating '' and then sent an email saying it was \" updated '', but did NOTHING! It is like NO ONE is actually LOOKING or READING any of the attachments, including the discharge from the BANKRUPTCY COURT showing ALL Student loans, including XXXX were discharged. It was discharged due to hardship because of an injury. \nNot ONLY did XXXX turn around and SELL OFF the discharged debt for someone else to try and collect on AFTER discharge, which is illegal, XXXX is now claiming I owe {$20000.00} additional in fees. In 3 years it went from {$21000.00} to {$43000.00}? That's AMAZING! \nAs previously stated. I will submit all my paperwork EVERY DAY until THIS IS PROPERLY taken care of as it is FRAUD and WRONG! it goes against EVERYTHING CFPB is set up to do and so much for protection to me under Federal law!!!!!! These companies are getting away with breaking FEDERAL BANKRUPTCY LAWS and NO ONE seems to give a XXXX! I am injured and XXXX and this is incredibly frustrating to have to explain the obvious and NO ONE READS!!!! \nSubmitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! \nDue to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX, I lost my business, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a PHEAA for \" collection '', which is totally ILLEGAL! Now, both XXXX AND XXXX  are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \nLOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! \n\nTHE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-03-01T21:14:24.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4174899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-03-01T20:15:02.000Z","state":"AK","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":["That has the ENTIRE <em>point</em> of Chapter XXXX and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am <em>about</em> to file a lawsuit and I will drag in every doctor, judge and person I know for the <em>pain</em> and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \nLOOK at the attachments!"]},"sort":[13.170964,"4174899"]},{"_index":"complaint-public-v1","_id":"4169191","_score":13.169708,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Once again, I submitted my complaint, and once again, XXXX less than 2 days sent a message saying they were \" investigating '' and then sent an email saying it was \" updated '', but did NOTHING! It is like NO ONE is actually LOOKING or READING any of the attachments, including the discharge from the BANKRUPTCY COURT showing ALL Student loans, including XXXX were discharged. It was discharged due to hardship because of an injury. \n\nNot ONLY did XXXX turn around and SELL OFF the discharged debt for someone ele to try and collect on AFTER discharge, which is illegal, PHEAA is now claiming I owe {$20000.00} addtional in fees. ( HA HA HA HA HA HA HA ). AS IF! In 3 years it went from {$21000.00} to {$43000.00}? That's AMAZING! \n\nAs previously stated. I will submit all my paperwork EVERY DAY until THIS IS PROPERLY taken care of as it is FRAUD and WRONG! it goes against EVERYTHING CFPB is set up to do and so much for protection to me under Federal law!!!!!! These companies are getting away with breaking FEDERAL BANKRUPTCY LAWS and NO ONE seems to give a XXXX! I am XXXX and XXXX and this is incredibly frustrating to have to explain the obvious and NO ONE READS!!!! \n\nSubmitting my Complaint AGAIN and WILL CONTINUE to do so EVERY DAY until SOMEONE LOOKS at the documents and these two companies are REMOVED from my report or at the VERY least, reported CORRECTLY!!! \nDue to an injury, I am NO LONGER ABLE to work. Under my chapter XXXX I lost my XXXX, my retirement, everything I had. The judge declared by case to be a hardship case and ruled that even the student loan to XXXX was discharged. XXXX was aware and, as indicated in the paperwork I am RESUBMITTING, at one point they had reported the account to all the credit bureaus as CLOSED/CHAPTER XXXX  BANKRUPTCY. \n2 years later, they decide to pass it off AFTER DISCHARGED BANKRUPTCY to a PHEAA for \" collection '', which is totally ILLEGAL! Now, both PHEAA AND XXXX are reporting to all the credit bureaus that this DISCHARGED DEBT is PAST DUE! It was NEVER past due! EVER. It was deferred or in forbearance, but NEVER LATE! It is bad enough that my credit report is showing a bankruptcy that hurts me, but to now have these TWO companies reporting FALSE information and CONTINUING to get away with what is a CLEAR violation, is just baffling and infuriating to me! That has the ENTIRE point of Chapter XXXX  and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am about to file a lawsuit and I will drag in every doctor, judge and person I know for the pain and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \n\nLOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! \n\nTHE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!!","date_sent_to_company":"2021-02-26T21:29:22.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"99504","tags":null,"has_narrative":true,"complaint_id":"4169191","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2021-02-26T20:24:54.000Z","state":"AK","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["That has the ENTIRE <em>point</em> of Chapter XXXX  and DEFEATS the purpose! \nI am REALLY, REALLY tired of these companies getting away with reporting something that was LEGALLY under FEDERAL LAW DISCHARGED. I am <em>about</em> to file a lawsuit and I will drag in every doctor, judge and person I know for the <em>pain</em> and infliction these companies are causing to me over my credit report. I have had ENOUGH! \nHOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? \n\nLOOK at the attachments!"]},"sort":[13.169708,"4169191"]},{"_index":"complaint-public-v1","_id":"18084263","_score":13.159951,"_source":{"product":"Debt collection","complaint_what_happened":"On XX/XX/year>, XXXX XXXX XXXX and XXXX XXXX performed a one-time roach clean-out XXXX my home. I was never told any payment was due at the time of service, and they never asked for payment afterward. \n\nI never received any invoice, bill, or payment request by mail, email, phone, or text. I can provide my phone records showing I never received a single call from the company after the service was performed. \n\nI did not hear from XXXX XXXX again until XX/XX/year>, when they texted me saying my service report was rejected. I was confused because I never submitted or rejected any report. I replied to clarify that I never signed any written agreement for ongoing service, and that the initial treatment did not resolve the infestation after more than XXXX weeks. I also informed them that under California Civil Code 1689 and Business & Professions Code 7159, a written contract is required, and consumers are not obligated to accept services without XXXX. I clearly stated I would not be requesting any further service. \n\nI never said anything else after that. Despite never asking me for payment or sending any bill or invoice, on XX/XX/XXXX XXXX XXXX texted me threatening to send the account to collections. They still never told me how much they claimed I owed or gave any due date. I should not have to pay anything when there was no contract, no price disclosed, and I was never billed. \n\nXXXX XXXX later falsely claimed that a text message counted as a written agreement, even though I never signed any contract or agreed to ongoing charges. The representatives tone was rude and threatening. I have a documented XXXX and suffer from anxiety, and this situation has caused me severe emotional distress. The threat of being sent to collections has caused panic attacks, especially because I am in the process of purchasing a home and any negative credit reporting could affect my approval. Since receiving the call from XXXX after XXXX XXXX sent this to collections, I have experienced anxiety, pain, and sleepless nights. \n\nXXXX XXXX then sent my personal information to NPG Associates. XXXX XXXX never contacted me again after XX/XX/XXXX. On XX/XX/year>, NPG Associates contacted me about the alleged debt on XXXX XXXX behalf and threatened to harm my credit and garnish my wages. At no point was I given any notice, invoice, amount due, or opportunity to resolve anything before being threatened with collections. \n\nThere was no contract, no invoice, no notice, and I was immediately threatened with collections. I dispute this debt in full. \n\nPro Techs conduct violates multiple consumer protection laws, including : Rosenthal Fair Debt Collection Practices Act ( California Civil Code 1788 ), Fair Debt Collection Practices Act ( through their agent NPG Associates ), California Business & Professions Code 7159 ( failure to provide a required written contract ), California Civil Code 1689 ( right to cancel when services are ineffective ), California Consumer Privacy Act ( sharing my personal information without consent ), California Business & Professions Code 17200 ( unlawful and unfair business practices ).","date_sent_to_company":"2025-12-02T12:23:04.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"92392","tags":"Servicemember","has_narrative":true,"complaint_id":"18084263","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NPG Associates, Inc.","date_received":"2025-10-16T08:31:47.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["On XX/XX/year>, NPG Associates contacted me <em>about</em> the alleged <em>debt</em> on XXXX XXXX behalf and threatened to harm my credit and garnish my wages. At no <em>point</em> was I given any notice, invoice, amount due, or opportunity to resolve anything before being threatened with <em>collections</em>. \n\nThere was no contract, no invoice, no notice, and I was immediately threatened with <em>collections</em>. I dispute this <em>debt</em> in full."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Other <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[13.159951,"18084263"]},{"_index":"complaint-public-v1","_id":"3512505","_score":12.12931,"_source":{"product":"Debt collection","complaint_what_happened":"I did a voluntary repossession returning the vehicle financed through JD Byrider on or around XX/XX/XXXX. The account was charged off. Then last year in XXXX XXXXI received a notice that XXXX XXXX XXXX would begin taking legal action against me by filing a suit against me rendering a judgement which would give them legal means to freeze or levy my bank account or accounts. I receive XXXX   benefits. At the time I financed a XXXX XXXX XXXX while working at XXXX XXXX to supplement my income. I became unemployed and could no longer afford to pay the monthly payments. I turned over the vehicle and they were franticly telling me as I was walking out the door that they had a form that I needed to sign. I dont know what the form was or what it said as I never signed it. I just got into my friends car and he drove me home. I hadnt received any notices in writing via mail or phone from any collection agencies until XX/XX/XXXX when I received in the mail a collection notice stating that if I did not respond or dispute the debt that XXXX XXXX XXXX would begin taking legal action against me filling a lawsuit and a judgement would be rendered giving them the legal means to levy or freeze my bank account and in addition to that garnish my wages for outstanding debt. I called the collection agency JD Byrider aka CNAC had turned over to XXXX  XXXX XXXX. I spoke with a Mr. XXXX and I dont recall if I told him that I received Social Security XXXX. I did tell him that I worked part time at XXXX XXXX XXXX. I wasnt going to respond to the collection notice thinking it wasnt legitimate. I called CNAC and spoke to a female ( I cant recall her name ). I asked her if she could please provide me with the Collection Agency they used as  I wanted to confirm that XXXX XXXX XXXX was a real collection agency. The female did verify that was the collection agency they turned the account over to. At the time in XX/XX/XXXX I had verified that I was XXXX XXXX and was honest with Mr. XXXX. I in good faith and conscience desired to address the debt since I was being threatened with a civil lawsuit and was threatened that once a judgement was made against me that my bank account and other accounts would be frozen or a levy would be enforced preventing me access to my bank account. The bank account I have is with XXXX XXXX XXXX and I have direct deposit of my SSDI  benefits to my account. I thought about calling Mr. XXXX back to confirm with him that most of my income is from SSDI. Since I worked part time at XXXX XXXX   XXXX I decided to not go to blows with XXXX XXXX XXXX over the outstanding debt as my conscience bothered me greatly over knowing I had this negative mark in my credit file. I did agree to pay XXXX XXXX XXXX {$250.00} a month due on the XXXX of every month until the account is paid in full. Mr. XXXX I do recall telling me he would see about helping me something about a reduced amount or something of that nature. I thought okay great I will be helped with getting some kind of credit towards the debt owed. Maybe I didnt understand what he was telling me as I was scared and nervous just even picking up the phone. Honestly I was wanting to do the right thing because I thought it would help my credit score and turns out it has not. I was told by a few friends NOT to respond or agree to pay anything and to ignore the collection letter. I had been a XXXX XXXX for 12 years and I got clean and have been clean for 3 years and before that clean for 4 years but I XXXX. I became XXXX and lived on the streets of XXXX XXXX even tried to XXXX XXXX I got myself clean on my own. I went cold turkey. It was the best decision I ever made. I went to working on my credit about 2years ago. I paid off 4 charged off creditors. Even though I paid in full it really didnt help my credit. It showed paid but still as a collection. Fortunately 2 of the paid collections were deleted from my credit file. I apologized to Mr. XXXX for ignoring the letter but I told him I put aside my fear and that I was working on cleaning up the damage I caused myself. I guess what Im saying is Im no longer homeless and I have food to eat and a place to sleep at night. Im glad to be alive and happy I chose to not XXXX  or jump off the XXXX  back in XXXX. Im sorry for telling you all this but I just want you to know Im not complaining about it because what I learned is to let go and let God and to accept things as they are. I didnt fight Mr. XXXX the collector for XXXX XXXX XXXX as I wanted to be at peace with myself about my debts I created and failed to pay in full those companies I owed. After all if I didnt pay my debts then Im a liar. I agreed to pay those companies I owed and if I didnt make good on those outstanding debts then I would be in fact a liar. I didnt want that on my conscience. I was financially responsible. I now help others and have even help a few pay their debts whenever I had the means to do so. I learned that the 12 steps to sobriety is worth it. Today I love myself and Im proof that it works if you work it and the promises really do come true. I reclaimed my life. And even when my Father passed away XX/XX/XXXX I didnt relapse. I stayed focused on myself even though I wanted to numb the pain over the loss of my Dad. I didnt I got through because of my Higher Power. Please forgive me if I used this filing of a complaint to tell you what happened in my life which effected my choice to pay the debt owed to CNAC. I could have argued the point with Mr. XXXX that they couldnt legally collect this debt since I am receiving SSDI but I didnt. I believe that God knows what I must do and so I listened. After almost 2 years working on my credit I went from a XXXX credit score to XXXX as of XX/XX/XXXX. Thank you for allowing me to share these thoughts with you. \n\nRespectfully, XXXX XXXX XXXX XXXX","date_sent_to_company":"2020-01-28T07:05:06.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Auto debt","zip_code":"781XX","tags":null,"has_narrative":true,"complaint_id":"3512505","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Byrider Franchising, LLC","date_received":"2020-01-28T07:05:04.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["I stayed focused on myself even though I wanted to numb the <em>pain</em> over the loss of my Dad. I didnt I got through because of my Higher Power. Please forgive me if I used this filing of a complaint to tell you what happened in my life which effected my choice to pay the <em>debt</em> owed to CNAC. I could have argued the <em>point</em> with Mr. XXXX that they couldnt legally collect this <em>debt</em> since I am receiving SSDI but I didnt. I believe that God knows what I must do and so I listened."],"product":["<em>Debt</em> <em>collection</em>"],"sub_product":["Auto <em>debt</em>"]},"sort":[12.12931,"3512505"]},{"_index":"complaint-public-v1","_id":"3512357","_score":12.12931,"_source":{"product":"Debt collection","complaint_what_happened":"I did a voluntary repossession returning the vehicle financed through XXXX XXXX on or around XX/XX/XXXX. The account was charged off. Then last year in XXXX XXXXI received a notice that Cascade Receivables Management would begin taking legal action against me by filing a suit against me rendering a judgement which would give them legal means to freeze or levy my bank account or accounts. I receive XXXX benefits. At the time I financed a XXXX XXXX XXXX while working at XXXX XXXX to supplement my income. I became unemployed and could no longer afford to pay the monthly payments. I turned over the vehicle and they were franticly telling me as I was walking out the door that they had a form that I needed to sign. I dont know what the form was or what it said as I never signed it. I just got into my friends car and he drove me home. I hadnt received any notices in writing via mail or phone from any collection agencies until XXXX of XXXX when I received in the mail a collection notice stating that if I did not respond or dispute the debt that Cascade Receivables Management would begin taking legal action against me filling a lawsuit and a judgement would be rendered giving them the legal means to levy or freeze my bank account and in addition to that garnish my wages for outstanding debt. I called the collection agency XXXX XXXX aka XXXX had turned over to Cascade Receivables Management. I spoke with a Mr. XXXX and I dont recall if I told him that I received Social Security XXXX. I did tell him that I worked part time at XXXX XXXX XXXX. I wasnt going to respond to the collection notice thinking it wasnt legitimate. I called XXXX and spoke to a female ( I cant recall her name ). I asked her if she could please provide me with the Collection Agency they used as I wanted to confirm that Cascade Receivables Management was a real collection agency. The female did verify that was the collection agency they turned the account over to. At the time in XX/XX/XXXX I had verified that I was XXXX XXXX and was honest with Mr. XXXX. I in good faith and conscience desired to address the debt since I was being threatened with a civil lawsuit and was threatened that once a judgement was made against me that my bank account and other accounts would be frozen or a levy would be enforced preventing me access to my bank account. The bank account I have is with XXXX XXXX XXXX  and I have direct deposit of my XXXX benefits to my account. I thought about calling Mr. XXXX back to confirm with him that most of my income is from XXXX. Since I worked part time at XXXX XXXX   XXXX I decided to not go to blows with Cascade Receivables Management over the outstanding debt as my conscience bothered me greatly over knowing I had this negative mark in my credit file. I did agree to pay Cascade Receivables Management {$250.00} a month due on the XXXX of every month until the account is paid in full. Mr. XXXX I do recall telling me he would see about helping me something about a reduced amount or something of that nature. I thought okay great I will be helped with getting some kind of credit towards the debt owed. Maybe I didnt understand what he was telling me as I was scared and nervous just even picking up the phone. Honestly I was wanting to do the right thing because I thought it would help my credit score and turns out it has not. I was told by a few friends NOT to respond or agree to pay anything and to ignore the collection letter. I had been a XXXX XXXX for 12 years and I got clean and have been clean for 3 years and before that clean for 4 years but I relapsed. I became homeless and lived on the streets of XXXX XXXX even tried to XXXX XXXX. I got myself clean on my own. I went cold turkey. It was the best decision I ever made. I went to working on my credit about 2years ago. I paid off 4 charged off creditors. Even though I paid in full it really didnt help my credit. It showed paid but still as a collection. Fortunately 2 of the paid collections were deleted from my credit file. I apologized to Mr. XXXX for ignoring the letter but I told him I put aside my fear and that I was working on cleaning up the damage I caused myself. I guess what Im saying is Im no longer homeless and I have food to eat and a place to sleep at night. Im glad to be alive and happy I chose to not overdose or jump off the overpass back in XXXX. Im sorry for telling you all this but I just want you to know Im not complaining about it because what I learned is to let go and let God and to accept things as they are. I didnt fight Mr. XXXX the collector for Cascade Receivables Management as I wanted to be at peace with myself about my debts I created and failed to pay in full those companies I owed. After all if I didnt pay my debts then Im a liar. I agreed to pay those companies I owed and if I didnt make good on those outstanding debts then I would be in fact a liar. I didnt want that on my conscience. I was financially responsible. I now help others and have even help a few pay their debts whenever I had the means to do so. I learned that the 12 steps to sobriety is worth it. Today I love myself and Im proof that it works if you work it and the promises really do come true. I reclaimed my life. And even when my Father passed away XX/XX/XXXX I didnt relapse. I stayed focused on myself even though I wanted to numb the pain over the loss of my Dad. I didnt I got through because of my Higher Power. Please forgive me if I used this filing of a complaint to tell you what happened in my life which effected my choice to pay the debt owed to XXXX. I could have argued the point with Mr. XXXX that they couldnt legally collect this debt since I am receiving XXXX but I didnt. I believe that God knows what I must do and so I listened. After almost 2 years working on my credit I went from a XXXX credit score to XXXX as of XX/XX/XXXX. Thank you for allowing me to share these thoughts with you. \n\nRespectfully, XXXX XXXX XXXX XXXX","date_sent_to_company":"2020-01-28T07:04:56.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Auto debt","zip_code":"781XX","tags":null,"has_narrative":true,"complaint_id":"3512357","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Cascade Capital, LLC","date_received":"2020-01-28T05:26:30.000Z","state":"TX","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Collected or attempted to collect exempt funds"},"highlight":{"complaint_what_happened":["I stayed focused on myself even though I wanted to numb the <em>pain</em> over the loss of my Dad. I didnt I got through because of my Higher Power. Please forgive me if I used this filing of a complaint to tell you what happened in my life which effected my choice to pay the <em>debt</em> owed to XXXX. I could have argued the <em>point</em> with Mr. XXXX that they couldnt legally collect this <em>debt</em> since I am receiving XXXX but I didnt. I believe that God knows what I must do and so I listened."],"product":["<em>Debt</em> <em>collection</em>"],"sub_product":["Auto <em>debt</em>"]},"sort":[12.12931,"3512357"]},{"_index":"complaint-public-v1","_id":"3359832","_score":12.118822,"_source":{"product":"Debt collection","complaint_what_happened":"On or about XX/XX/XXXX this year I received a letter from Portfolio Recovery Associates, LLC demanding payment on a debt that is not mine. \n\nOn XX/XX/XXXX I informed Portfolio Recovery Associates that the debt was not mine and requested that they provide me with all of the documentation that made them believe that it is mine. \n\nOn XX/XX/XXXX I received the response from Portfolio Recovery Associates rejecting my dispute and insisting upon full payment. It included a copy of a letter from the original owner of the debt XXXX XXXX to the real debtor and a summary page with the past due amount. Incidentally, all of the bank correspondence to the debtor was sent to an address in Florida. \n\nAt this point I thought it best to hire an attorney. \n\nOn XX/XX/XXXX my attorney sent a letter to Portfolio Recovery Associates requesting further information. He specifically asked for a complete executed copy of any agreement between XXXX and myself. On XX/XX/XXXX Portfolio Recovery Associates again responded but did not send the information he specifically requested. All he received were more summary credit card statements. \n\nThe reason that Portfolio Recovery Associates can not provide any proof that it is my debt - is because it simply does not exist. And yet, on XX/XX/XXXX and again on XX/XX/2019 Portfolio Recovery Associates informed the credit reporting company XXXX   that this account was in collection under my name. \n\nThe facts are : 1 ) all correspondence from XXXX to the real debtor were sent to XXXX XXXX, XXXX XXXX XXXX CT XXXX, FL XXXX. I have never lived in or even visited Florida. Tax and real estate records will prove this. XXXX own dispute report # XXXX dated XX/XX/2019 validates this. \n\n2 ) I have a history of paying the balance on my credit cards every month and have done so for at least 20 years. I do not let credit card debt accumulate nor do I make late payments. A simple review of our credit history would have verified this. XXXX own dispute report # XXXX dated XX/XX/2019 validates this also. \n\nI believe that Portfolio Recovery Associates is in violation of The Fair Credit Reporting Act ( FCRA ) Section 623 by reporting this disputed account to credit reporting agencies after being informed ( multiple times ) that the information is inaccurate. In addition to what I told Portfolio Recovery Associates multiple times, they also have access to my credit history and dealings. Together they would cause a reasonable person to have substantial doubts about the the accuracy of their information. \n\nPortfolio Recovery Associates can not provide me with any substantive documentation regarding this account such as the original consumer contract that my attorney asked for three months ago. Once again, on XX/XX/2019 I demanded to see all verifiable proof ( an original Consumer Contract with my signature on it ) that they have on file for this account. \n\nSince Portfolio Recovery Associates falsely and maliciously informed XXXX that this debt is mine my credit score and rating have dropped substantially, damaging my reputation and impacting my ability to get future credit. This has caused me great pain and mental anguish. Because of this I have filed a complaint with the Texas Attorney Generals Office ( complaint number is XXXX ) and now with the FTCs Consumer Financial Protection Bureau. \n\nI am also now looking to retain a legal firm specializing in consumer protection matters. I will incur further cost to correct Portfolio Recovery Associates ' errors.","date_sent_to_company":"2019-08-31T13:19:38.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"78633","tags":null,"has_narrative":true,"complaint_id":"3359832","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2019-08-31T13:00:07.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["On or <em>about</em> XX/XX/XXXX this year I received a letter from Portfolio Recovery Associates, LLC demanding payment on a <em>debt</em> that is not mine. \n\nOn XX/XX/XXXX I informed Portfolio Recovery Associates that the <em>debt</em> was not mine and requested that they provide me with all of the documentation that made them believe that it is mine. \n\nOn XX/XX/XXXX I received the response from Portfolio Recovery Associates rejecting my dispute and insisting upon full payment."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[12.118822,"3359832"]},{"_index":"complaint-public-v1","_id":"3360870","_score":11.608822,"_source":{"product":"Debt collection","complaint_what_happened":"On or about XX/XX/XXXX this year I received a letter from XXXX XXXX XXXX, XXXX demanding payment on a debt that is not mine. \n\nOn XX/XX/XXXX I informed XXXX XXXX XXXX that the debt was not mine and requested that they provide me with all of the documentation that made them believe that it is mine. \n\nOn XX/XX/XXXX I received the response from XXXX XXXX XXXX rejecting my dispute and insisting upon full payment. It included a copy of a letter from the original owner of the debt CapitalOne Bank to the real debtor and a summary page with the past due amount. Incidentally, all of the bank correspondence to the debtor was sent to an address in Florida. \n\nAt this point I thought it best to hire an attorney. \n\nOn XX/XX/XXXX my attorney sent a letter to XXXX XXXX XXXX requesting further information. He specifically asked for a complete executed copy of any agreement between CapitalOne and myself. On XX/XX/XXXX XXXX XXXX XXXX again responded but did not send the information he specifically requested. All he received were more summary credit card statements. \n\nThe reason that XXXX XXXX XXXX can not provide any proof that it is my debt - is because it simply does not exist. And yet, on XX/XX/XXXX and again on XX/XX/2019 XXXX XXXX XXXX informed the credit reporting company XXXX that this account was in collection under my name. \n\nThe facts are : 1 ) all correspondence from CapitalOne to the real debtor were sent to XXXX XXXX, XXXX XXXX XXXX CT XXXX, FL XXXX. I have never lived in or even visited Florida. Tax and real estate records will prove this. XXXX own dispute report # XXXX dated XX/XX/2019 validates this. \n\n2 ) I have a history of paying the balance on my credit cards every month and have done so for at least 20 years. I do not let credit card debt accumulate nor do I make late payments. A simple review of our credit history would have verified this. XXXX own dispute report # XXXX dated XX/XX/2019 validates this also. \n\nI believe that XXXX XXXX XXXX is in violation of The Fair Credit Reporting Act ( FCRA ) Section 623 by reporting this disputed account to credit reporting agencies after being informed ( multiple times ) that the information is inaccurate. In addition to what I told XXXX XXXX XXXX multiple times, they also have access to my credit history and dealings. Together they would cause a reasonable person to have substantial doubts about the the accuracy of their information. \n\nXXXX XXXX XXXX can not provide me with any substantive documentation regarding this account such as the original consumer contract that my attorney asked for three months ago. Once again, on XX/XX/2019 I demanded to see all verifiable proof ( an original Consumer Contract with my signature on it ) that they have on file for this account. \n\nSince XXXX XXXX XXXX falsely and maliciously informed XXXX  that this debt is mine my credit score and rating have dropped substantially, damaging my reputation and impacting my ability to get future credit. This has caused me great pain and mental anguish. Because of this I have filed a complaint with the Texas Attorney Generals Office ( complaint number is XXXX ) and now with the FTCs Consumer Financial Protection Bureau. \n\nI am also now looking to retain a legal firm specializing in consumer protection matters. I will incur further cost to correct XXXX XXXX XXXX ' errors.","date_sent_to_company":"2019-08-31T13:19:55.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"78633","tags":null,"has_narrative":true,"complaint_id":"3360870","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2019-08-31T13:19:53.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["On or <em>about</em> XX/XX/XXXX this year I received a letter from XXXX XXXX XXXX, XXXX demanding payment on a <em>debt</em> that is not mine. \n\nOn XX/XX/XXXX I informed XXXX XXXX XXXX that the <em>debt</em> was not mine and requested that they provide me with all of the documentation that made them believe that it is mine. \n\nOn XX/XX/XXXX I received the response from XXXX XXXX XXXX rejecting my dispute and insisting upon full payment."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[11.608822,"3360870"]},{"_index":"complaint-public-v1","_id":"3358525","_score":11.564278,"_source":{"product":"Debt collection","complaint_what_happened":"This complaint is against the company MBA Law ( Mitchell D. Bluhm & Associates , LLC or MBA Law ). They claim that I owe on a medical bill in the amount of {$1600.00}, but I dispute that bill, because it is for services I do not believe I received, and there is no evidence that MBA Law is registered or licensed in the state of Florida to legally act as a collection agency. I left two voicemails, and sent two e-mail 's disputing the bill, and requesting proof that MBA Law had authority to collect the debt in the state of Florida. I received no response from MBA Law about this question and when I asked a representative on a later phone call to produce their FL license or registration, she simply said that it was public knowledge. There is no record of registration as is required by FL Statute XXXX, which requires the registration of consumer collection agencies. I called the FL Office of Financial Regulation, and they told me directly that MBA Law ( Mitchell D. Bluhm & Associates , LLC ) was NOT licensed or registered in Florida to try and collect this debt, and that they had multiple other complaints about them. The FL Office of Financial Regulation then directed me to file a complaint directly with CFPB. \n\nIn addition, I dispute the medical bill because it is for services I believe I did not receive. After a car wreck that was not my fault ( uninsured motorist ), I had to have minor XXXX XXXX XXXX.  I did extensive research and decided that I did not want XXXX XXXX, due to the much greater risk of side effects and increased recovery time. I only wanted local XXXX. I requested this of the surgeon and he agreed to do the XXXX where he would personally do a local injection to numb my knee. The procedure went very well, and never at any point did I receive additional services from an XXXX ( XXXX XXXX / XXXX ) due to pain or because I could not handle the situation. I was awake and watched the whole procedure on a video screen, while having a conversation with surgeon and his staff. They were amazed that this was my request, and said it was very rare to have someone choose XXXX XXXX rather than being put under. A month or more after the XXXX, I was under the impression that all bills for the medical services had been provided to me or my insurance company. I called The XXXX XXXX a couple times to confirm there were no more outstanding bills before I settled the case with XXXX XXXX and XXXX. We then settled the case, thinking all bills were paid. About four months later I received the first notice of a bill from XXXX XXXX , XXXX for {$1600.00} on XX/XX/2016. XXXX was the usual provider of XXXX XXXX for this arthroscopic type XXXX on behalf of XXXX XXXX XXXX. I think they did a routine billing without considering that I did not receive XXXX XXXX. I called XXXX XXXX multiple times to explain that the bill might be a mistake as I refused to have XXXX XXXX, and the surgeon from XXXX XXXX XXXX performed local anasthesia himself. As far as I know, I did not receive any services from XXXX XXXX. On XX/XX/2016 I spoke with a representative named XXXX XXXX XXXX XXXX and she assured me this bill was not going to collections, but being reconsidered. I called again one month later, and a different XXXX XXXX named XXXX told me on XX/XX/2016 that my responsibility was still {$0.00}, and the bill had been sent to XXXX, even though I disputed it. I also very clearly asked if it had been or would be sent to collections, and again I was told No. I made multiple attempts in good faith to rectify the situation. I asked for them to contact me directly if they were not satisfied after speaking with XXXX. I heard nothing else from XXXX. See my notes on the bill they sent me, and proof of XXXX XXXX \n\nThen three years later, I received a collection notice from MBA Law ( Mitchell D. Bluhm & Associates , LLC XXXX. Their paperwork shows that XXXX XXXX had already made a collection adjustment to their records on XX/XX/2016 and zeroed out my account. This contradicts the conversation I personally had with XXXX on XX/XX/2016 and on XX/XX/2016 and took notes on. It had not been sent to collections, and they were considering dropping the bill. They should have zeroed out the bill as an accounting adjustment, but should not have labeled it as a \" collection adjustment ''. I believe that XXXX made some mistakes in billing me to start with and was disorganized in re-coding my situation, which resulted in this illegitimate bill being bought by MBA Law ( Mitchell D. Bluhm & Associates , LLC ), who bought the debt hoping to make money off of me, even though they are not licensed or registered in the state of Florida to collect, and I have never had any dealings or contracts with MBA Law.","date_sent_to_company":"2019-08-30T00:34:24.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"32608","tags":"Servicemember","has_narrative":true,"complaint_id":"3358525","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"The Law Offices of Mitchell D. Bluhm & Associates","date_received":"2019-08-29T23:32:36.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The procedure went very well, and never at any <em>point</em> did I receive additional services from an XXXX ( XXXX XXXX / XXXX ) due to <em>pain</em> or because I could not handle the situation. I was awake and watched the whole procedure on a video screen, while having a conversation with surgeon and his staff. They were amazed that this was my request, and said it was very rare to have someone choose XXXX XXXX rather than being put under."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Medical <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[11.564278,"3358525"]},{"_index":"complaint-public-v1","_id":"1514557","_score":11.240776,"_source":{"product":"Debt collection","complaint_what_happened":"I was contacted at the end of last week XXXX to XXXX times a day from a collection company. The call was from a number I did n't recognize, so I was letting it go to voicemail, but the caller never left a voicemail. Today they called again several times. The number was an XXXX area code, and I had just been to XXXX for a XXXX, so I thought it might be the hospital, so I called the number calling me back. It was a debt collector, and they initiated the call by stating that I had to verify information about myself before they could tell me who they were or what debt they were calling about. They wanted me to verify my date of birth, social security number, address and email address. I was told I had to verify at least tow from that selection before they could tell me anything. I refused and said that they needed to tell me the name of their company and what company they were calling about before giving over personal information. \nThey said that it was against they law, they would be breaking the law by giving their information before they got my information. I still wanted to know who they were, but they refused, and said they would just continue to call and harass until I gave up information. They said they had the last XXXX of my social, all I had to do was give them the rest of the numbers to verify. I asked them to tell me the last XXXX, but they refused saying ti was against the law for them to give it that information to me. I argued some more with a couple of different people on the phone and felt like I the conversation was going in circles, but I was in pain from my XXXX, and I wanted to figure out why they were calling so that I could get off the phone. I finally gave them my address and email address, but not more senaitive information. After that they told me that they were National Credit Adjusters, and that they were collecting on an internet payday loan. I asked who the company was, but they would n't say. At this point, my XXXX hurt from my XXXX, and I was getting annoyed by the refusal to give basic information and their attitude toward me for simply asking for verification of their information. I was arguing with them, and asked where their office was, so that I could just go there to see any paperwork proof and settle everything in person. They said good luck coming to their office, because they were in XXXX. I asked how were they in XXXX with an XXXX area code, which is the area code for XXXX XXXX. They just reiterated that they were in XXXX and gave me their address. \nI told them that whatever internet payday loan they are calling me about ( they still would n't tell me the name of the company ) was void in my state and could n't be collected on, as I had received help XXXX years ago with an internet payday loan from an organization in my state that told me they were void. I asked them why should I give them any information, because they could be a scammer, because they are trying to collect on a void loan. They said they are legitimate, and that I could look them up online, which I did, and that they have every right to collect, and was I trying to avoid my obligations. They again said that they needed my social security number, and they even gave me my date of birth and the last XXXX of my social, but they said they needed to verify the full social with me. I refused, and asked to speak to a supervisor, but she also just echoed that they need to verify my information. I ended the call by saying it was a void loan and that I should n't have to verify anything else, and then I hung up.","date_sent_to_company":"2015-08-12T16:34:59.000Z","issue":"Disclosure verification of debt","sub_product":"Payday loan","zip_code":"244XX","tags":null,"has_narrative":true,"complaint_id":"1514557","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"National Credit Adjusters, LLC","date_received":"2015-08-12T16:34:58.000Z","state":"VA","company_public_response":null,"sub_issue":"Not given enough info to verify debt"},"highlight":{"complaint_what_happened":["It was a <em>debt</em> collector, and they initiated the call by stating that I had to verify information <em>about</em> myself before they could tell me who they were or what <em>debt</em> they were calling <em>about</em>. They wanted me to verify my date of birth, social security number, address and email address. I was told I had to verify at least tow from that selection before they could tell me anything."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Disclosure verification of <em>debt</em>"],"sub_issue":["Not given enough info to verify <em>debt</em>"]},"sort":[11.240776,"1514557"]},{"_index":"complaint-public-v1","_id":"4296022","_score":11.204227,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"ThIS IS MY LAST NOTICE TO THE XXXX DEPARTMENT OF EDUCATION and will serve as a final formal notice that I XXXX ; XXXX, XXXX, Trustee, Authorized Representative of XXXX XXXX XXXX XXXX intends to commence a lawsuit against you due to the following due to the utter lack of response and fraud you continue to commit falsely reporting to EQUIFAX and XXXX  from your firm. \n\nYour firm has failed to remove the accounts that have been discharged and still falsely report to EQUIFAX and TRANSUNION that these accounts are delinquent and past due. You have been notified numerous times that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. \n\nYour firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. \n\nFailed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. \n\nCommunicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : Equifax, XXXX. \n\nAs a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress, mental anguish and at the other diminishes of the quality of my life. \n\nI have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.\n\nThe Doctrine of Estoppel applies to any situation where the first party THE US DEPARTMENT OF EDUCATION makes a statement or engages in some conduct upon which the second party ( me ) relies or acts. The first party THE US DEPARTMENT OF EDUCATION is subsequently prevented ( estopped ) from acting in a manner contrary to their first words or actions. As one American legal encyclopedia describes it, estoppel means \" one who by his deed or conduct has induced another to act in a particular manner will not be permitted to adopt an inconsistent position, attitude or course of conduct and thereby cause loss or injury to such other ''. \n\nI duly state, THE US DEPARTMENT OF EDUCATIONs refusal to stay in honor has caused immense damage to my reputation and credit history, will cost me thousands of extra dollars in sub-prime interest rates if I should choose to apply for credit in the future or might prevent me from acquiring credit in the future.\n\nBeyond the issue of the Doctrine of Estoppel, the Fair Debt Collections Practices Act prohibits THE US DEPARTMENT OF EDUCATION from making any false or misleading statements to collect payment. I realize that THE US DEPARTMENT OF EDUCATIONs employees may be inexperienced or unfamiliar with the law. However, regardless of how uninformed they might be, THE US DEPARTMENT OF EDUCATION 's employees are its representatives, and their words and actions are binding on the part of THE US DEPARTMENT OF EDUCATION.\n\nThis is a serious matter.\n\nTHE US DEPARTMENT OF EDUCATION must fulfill the duties required by Law within fifteen ( 15 ) days of its receipt of this notice by completely and permanently removing all negative information added to my credit history in connection with this account. If THE US DEPARTMENT OF EDUCATION does not affect cure on this matter within fifteen ( 15 ) days of its receipt of this notice, I will be forced to pursue legal remedy.\n\nIf you are unfamiliar with the Doctrine of Estoppel and the Fair Debt Collections Practices Act or the legal remedies afforded to those who are negatively impacted by another party 's violation of the Doctrine of Estoppel and the Fair Debt Collections Practices Act, you should refer this notice to a competent member of your legal staff, as this is a matter that you are not equipped to handle. \n\nUnder the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have \" verified '' the debt, but this is in fact not true under law and simply not true under the maxims of Equity. Simply matching up numbers in the database is not sufficient verification. \n\nBe aware I do intend to sue your firm for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. \nYou may contact me in the timely manner via receipt of this complaint. An amicable resolution is still possible, but only if you act quickly. This matter can be settled simply by your agreement to remove the false information from my credit file. \n\nI require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been \" verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against your firm for violation of the Fair Credit Reporting Act and Defamation and the Fair Debt Collection Practices Act.","date_sent_to_company":"2021-04-13T13:18:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"4296022","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-04-13T13:18:46.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["You have been notified numerous times that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair <em>Debt</em> <em>Collection</em> Practices Act. \n\nYour firm knew or should have known that the actions taken against me and the information collected <em>about</em> me was inappropriate and damaging to me."]},"sort":[11.204227,"4296022"]},{"_index":"complaint-public-v1","_id":"4296019","_score":11.176976,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"ThIS IS MY LAST NOTICE TO THE US DEPARTMENT OF EDUCATION and will serve as a final formal notice that I XXXX ; XXXX, XXXX, Trustee, Authorized Representative of XXXX XXXX XXXX XXXX intends to commence a lawsuit against you due to the following due to the utter lack of response and fraud you continue to commit falsely reporting to EQUIFAX and XXXX from your firm. \n\nYour firm has failed to remove the accounts that have been discharged and still falsely report to EQUIFAX and XXXX  that these accounts are delinquent and past due. You have been notified numerous times that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. \n\nYour firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. \n\nFailed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. \n\nCommunicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : Equifax, XXXX. \n\nAs a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress, mental anguish and at the other diminishes of the quality of my life. \n\nI have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. \nThe Doctrine of Estoppel applies to any situation where the first party THE US DEPARTMENT OF EDUCATION makes a statement or engages in some conduct upon which the second party ( me ) relies or acts. The first party THE US DEPARTMENT OF EDUCATION is subsequently prevented ( estopped ) from acting in a manner contrary to their first words or actions. As one American legal encyclopedia describes it, estoppel means \" one who by his deed or conduct has induced another to act in a particular manner will not be permitted to adopt an inconsistent position, attitude or course of conduct and thereby cause loss or injury to such other ''. \n\nI duly state, THE US DEPARTMENT OF EDUCATIONs refusal to stay in honor has caused immense damage to my reputation and credit history, will cost me thousands of extra dollars in sub-prime interest rates if I should choose to apply for credit in the future or might prevent me from acquiring credit in the future. \n\nBeyond the issue of the XXXX XXXX XXXX, the Fair Debt Collections Practices Act prohibits THE XXXX DEPARTMENT OF EDUCATION from making any false or misleading statements to collect payment. I realize that THE US DEPARTMENT OF EDUCATIONs employees may be inexperienced or unfamiliar with the law. However, regardless of how uninformed they might be, THE US DEPARTMENT OF EDUCATION 's employees are its representatives, and their words and actions are binding on the part of THE US DEPARTMENT OF EDUCATION. \n\nThis is a serious matter. \n\nTHE US DEPARTMENT OF EDUCATION must fulfill the duties required by Law within fifteen ( 15 ) days of its receipt of this notice by completely and permanently removing all negative information added to my credit history in connection with this account. If THE US DEPARTMENT OF EDUCATION does not affect cure on this matter within fifteen ( 15 ) days of its receipt of this notice, I will be forced to pursue legal remedy.\n\nIf you are unfamiliar with the Doctrine of Estoppel and the Fair Debt Collections Practices Act or the legal remedies afforded to those who are negatively impacted by another party 's violation of the Doctrine of Estoppel and the Fair Debt Collections Practices Act, you should refer this notice to a competent member of your legal staff, as this is a matter that you are not equipped to handle. \n\nUnder the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have \" verified '' the debt, but this is in fact not true under law and simply not true under the maxims of Equity. Simply matching up numbers in the database is not sufficient verification. \n\nBe aware I do intend to sue your firm for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. \nYou may contact me in the timely manner via receipt of this complaint. An amicable resolution is still possible, but only if you act quickly. This matter can be settled simply by your agreement to remove the false information from my credit file. \n\nI require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been \" verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against your firm for violation of the Fair Credit Reporting Act and Defamation and the Fair Debt Collection Practices Act.","date_sent_to_company":"2021-04-13T13:18:52.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"4296019","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-04-13T13:18:46.000Z","state":"FL","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["You have been notified numerous times that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair <em>Debt</em> <em>Collection</em> Practices Act. \n\nYour firm knew or should have known that the actions taken against me and the information collected <em>about</em> me was inappropriate and damaging to me."]},"sort":[11.176976,"4296019"]},{"_index":"complaint-public-v1","_id":"4226291","_score":10.75633,"_source":{"product":"Debt collection","complaint_what_happened":"My name is XXXX XXXX, and I need to report the law firm of Chaplin XXXX XXXXt of XXXX XXXX XXXX XXXX, Virginia XXXX for extorting me and my family financially during the COVID19 pandemic to make more payments on a fraudulent promissory note from an auto accident in XXXX. I am not alone, thousands of others have suffered collections abuse and holding my drivers license hostage through DMV. I am married to a XXXX XXXX an older XXXX XXXX who is approaching retirement. I read an article on the XXXX website about extorting others that they know can pay. Please checkout this link and read the thousands of 1 star reviews that speak of bad business practices, harassment, lying debt collectors, upper attorney XXXX XXXX claims its the debt collectors fault because the attorneys do not know whats going on. \nChaplin XXXX XXXX XXXX XXXX XXXX XXXX https : XXXX I have paid {$41000.00} to date and they are saying they only have record of roughly {$17000.00}. XXXX and XXXXXXXX XXXX  XXXX XXXX have all issued letters that they only do research on any old account for 7 years, despite the account numbers matching up on quick books. I have shown 6 years of not only consistent payments, but over payments as documented by XXXX XXXX XXXX and XXXX XXXX. \n\nThis judgment was taken without my knowledge or service. I have never lived in the City of XXXX as long as I have lived. The dismissal shows up on the XXXX County of XXXX, VA case website. On the XXXX XXXX, of XXXX VAs website shows dismissed without prejudice however, my attorney asked for a stay until we can be heard by a judge. The attorney, XXXX XXXX with https : XXXX in XXXX, VA is stating if they wont accept my quickbooks or cash as evidence, than I will have to pay them at least another {$5000.00} or they wont advise DMV to reinstate my drivers license? I lost XXXX XXXX due to COVID19, I am the sole support of an XXXX XXXX XXXX and I have a serious XXXX XXXX where I am receiving XXXX XXXX. I need to be able to drive to get to the Doctor, this isnt something my husband can fix. His group went without pay for a period of time until their PPE kicked in, but we wont get bonuses for another year bc we depend on them as part of his income. My income right now is unemployment but its not substantial or a long term solution. In fact, by the time he retires in a year, he will only get pennies on the dollar for his group buyout. \n\nThis is becoming a dangerous situation for my family and no one cares, they just want us to continue to pay more. We also help support some family members due to the sudden death of my younger Brother in XXXX with a young Niece who was XXXX at the time. \n\nI just keep hearing that despite no service, despite me trying to pay what I felt was a moral obligation to clear my good name, is that since I agreed to the promissory note that the statue of limitations was reset. They are coming for us despite the Govenors office issuing this statement yesterday. https : XXXX The article specifically mentions XXXX XXXX, and XXXX  workers that are struggling, stressed, and worried about survival of the family. Causing pain and suffering from harassment of debt collectors. If my husband gets to a point bc of age that he can no longer work, how are we supposed to pay this debt off again? \n\nI need some help. A response would be amazing. Because we are mandated to be on a secure VPN, if the phone number is not recognized it will go straight to voicemail causing 1000s of administrative logged hours in returning phone calls, and logging in to portals that wont allow a login from a VPN. We have to keep this for my husbands work so he can login to the hospital system. \n\nMy email is XXXX XXXX","date_sent_to_company":"2021-03-18T21:18:39.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"23113","tags":null,"has_narrative":true,"complaint_id":"4226291","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chaplin & Papa, P.C.","date_received":"2021-03-18T19:32:45.000Z","state":"VA","company_public_response":"Company disputes the facts presented in the complaint","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["They are coming for us despite the Govenors office issuing this statement yesterday. https : XXXX The article specifically mentions XXXX XXXX, and XXXX  workers that are struggling, stressed, and worried <em>about</em> survival of the family. Causing <em>pain</em> and suffering from harassment of <em>debt</em> collectors. If my husband gets to a <em>point</em> bc of age that he can no longer work, how are we supposed to pay this <em>debt</em> off again? \n\nI need some help. A response would be amazing."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Written notification <em>about</em> <em>debt</em>"],"sub_product":["Other <em>debt</em>"]},"sort":[10.75633,"4226291"]},{"_index":"complaint-public-v1","_id":"1557351","_score":10.640472,"_source":{"product":"Mortgage","complaint_what_happened":"Ten years ago, I set up a HELOC loan as a XXXX mortgage on my home, in order to take care of emergency bills that had arisen, etc, and then with other needs over time, that amount ended up at $XXXX, which I have now been paying Interest-Only on for the past XXXX years - around $XXXX/month.  Originally, back in XX/XX/XXXX, I was going to pay off all of my debt (including the HELOC and primary mortgage) with the sale of land, for which I had committed buyers for $XXXX total, for XXXX land parcels totaling XXXX acres.  However, an administrator for XXXX County messed up my subdivision transaction, dragging me out for 2 years, and costing me XXXX of dollars.  I lost both buyers at around the 1 year mark, and then by the XXXX year mark when the County finally gave me the subdivision, the real estate market crashed.  At that point, my house was completely upside-down on just the 1st mortgage, let alone the HELOC sitting as the 2nd.  Zions Bank is the lender for the HELOC.  I didn't feel the financial pain of being upside-down until my ex-wife abandoned our marriage for another man, XXXX, and then drained me of XXXX of XXXX of dollars.  At that point, I was trying to live on a monthly deficit, so I tried to work with Zions Bank to allow a short sale --which my primary mortgage lender, XXXX, was willing to do.  But Zions refused.  They also refused to work with me on any principal reduction or modification.  Fortunately, my primary lender provided a modification program significant enough to keep me in the home, so I kept paying the approx. $XXXX/mo to Zions and didn't skip a beat.  Then, in XX/XX/XXXX, my corporate employment ended, due to our company being bought and downsized.  By the time my severance pay ended in XX/XX/XXXX, I hadn't been able to obtain a job that came anywhere near replacing my income, so I was in a more serious monthly deficit than ever before.  So, I contacted Zions Bank again to discuss the situation with them and see what they would work out with me.  They told me to fill out a Hardship Packet, so I spent hours gathering all the information, filling out the forms, etc, and submitted it.  They responded back with a denial letter, stating that my income was TOO LOW to qualify for their loan modification program!!  I was blown away -- that was the whole reason I had submitted the hardship packet in the first place.  Why would I have even approached them if my income was sufficient??!!  SO, I complained about the denial, and they said I could submit an appeal.  Which I did right away; and all they did was deny it too, on the same basis.  It was a sham.  Fast forward to this summer, when I received a letter from Zions Bank, stating that my HELOC will balloon to a payment of approximately $XXXX on XX/XX/XXXX (a little over XXXX weeks from now).  The letter said to contact them if I \"anticipate difficulty in being able to make the required payments\" and said, \"there may be options available to you\"...and then they listed various options, such as \"extension of loan term\", \"interest rate reduction\", \"principal forbearance\", etc.  But, when I contacted them, they informed me that -- since I had already been denied by them previously -- they wouldn't do anything to help me, unless I could show that my income had significantly improved!  Again, if my income had significantly improved, why would I be contacting them?!?  So, I am sick and tired of their tactics -- they are essentially forcing me to default, so they can put me into collections.  That is going to harm the credit standing I have worked XXXX years to maintain, and I am extremely frustrated with them.  A friend of mine heard about my situation and suggested I contact CFPB.","date_sent_to_company":"2015-09-09T17:03:32.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Home equity loan or line of credit","zip_code":"836XX","tags":null,"has_narrative":true,"complaint_id":"1557351","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ZIONS BANCORPORATION","date_received":"2015-09-09T17:03:31.000Z","state":"ID","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["At that <em>point</em>, my house was completely upside-down on just the 1st mortgage, let alone the HELOC sitting as the 2nd.  Zions Bank is the lender for the HELOC.  I didn't feel the financial <em>pain</em> of being upside-down until my ex-wife abandoned our marriage for another man, XXXX, and then drained me of XXXX of XXXX of dollars."],"issue":["Loan modification,<em>collection</em>,foreclosure"]},"sort":[10.640472,"1557351"]},{"_index":"complaint-public-v1","_id":"6171703","_score":9.952751,"_source":{"product":"Debt collection","complaint_what_happened":"First of all I need to make it clear that I was never contacted by this agency and as of today do not have a clear knowledge of why I was threatened, harassed, stalked, violated, Invasion of my Privacy Under Penal Code 647 ( j ), and embarrassed by this company. I did have knowledge of this company until there was a postal notice placed on my door on XX/XX/2022. I still did not know who this agency was and I had to XXXX search this agency which would be the first time since this devastating event took place. I am unsure, but I believe this debt was from Bank XXXX XXXX who have sold my debt to various agencies like this agency that is being reported. \n\nWithin the past 6 months or more, I noticed a stranger ( white male ) in a dark gray vehicle entering/trespassing on my property on a regular basis. However, I did not have any knowledge of who that person was. I thought that it was a random person trying to sell something in the neighbor. Also during this current pivotal moment of unseen and unheard of violence across America, it was safe for me not answer the door to a stranger that you do not know. Be it known I still did not have any knowledge of who this white male is that was violating my personal safety by trespassing on my property on a regular basis. Most recently it had gotten to the point that this strange white man, whom I do not know and with no identity, was frequently stalking my home all times of the day and late in the evenings. I begin to feel threatened, violated, harassed, feelings of anxiety, and unsafe in my own home due to this strange white male coming to my house. With this type of trauma, I began to seek security measures for my family 's safety. \n\nThe most recent incident that I am delineating was very violent, frightened, traumatized, embarrassed, rude, and unbelievable. On XX/XX/2022 approximately XXXX XXXX, while my family and I were eating dinner, out of no where this strange white man unannounced invaded my home again and forcefully tried to make me open my door. He was forcefully banging on my door and refused to leave even after ignoring him. This angry monster outside of my door tried every tactic to intimidate with his violent behavior by repeatedly banging on my door. Immediately afterwards, this angry crazy white man peeped through my dining room window demanding me to open my door to sign some papers that I do not know anything about. I became overwhelmed with fear and anxiety and yelled through the window demanding that he get away from my home. This incident was so frightened and unbelievable that it left my entire household traumatized. The debacle did not end on that evening. Each and every day ( XXXX XXXX XXXX, 2022 ) the same violent and militant man continued to trespass on my property by driving his vehicle in my driveway, in front of my driveway, on the street curb of my home near my mailbox, etc. He not only continued to harass me, he and several other individuals in various vehicles ( white SUV, gray XXXX car, and a black SUV ) were stalking my home all morning, day, and night. My ring security alerted me of enormous and overwhelming activities of these vehicles on or near my property throughout the day and night. This is a very violent and vicious company who has caused me and my family pain and suffering with violent threats and behaviors. This horrible experience involved my neighbors because they were constantly and repeatedly parked in the community on the street which made it difficult for school buses, medical emergency vehicles, or any other vehicles to get in and out of this neighbor. It also made my neighbors curious about what was going on with me which therefore placed me in an embarrassing situation. I have been placed in public shame by this agency stalking my home as I have been looked upon as a criminal to the all the nearby neighbors. \n\nThe Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from repeatedly or continuously trespassing, invading, or calling to my home with intent to harass, oppress, or abuse me. I am a person of character and high esteem and not a criminal. I have never been so traumatized, threatened, and violated in my life since having contact with this agency. This agency should be shutdown and criminally accountable for the invasion of my privacy, threats, and violent behavior that I received from them all because of noncommunication through the proper channels that professional agencies would follow.","date_sent_to_company":"2022-11-30T16:45:42.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"29063","tags":null,"has_narrative":true,"complaint_id":"6171703","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ZWICKER & ASSOCIATES","date_received":"2022-11-06T16:12:52.000Z","state":"SC","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["It also made my neighbors curious <em>about</em> what was going on with me which therefore placed me in an embarrassing situation. I have been placed in public shame by this agency stalking my home as I have been looked upon as a criminal to the all the nearby neighbors. \n\nThe Fair <em>Debt</em> <em>Collection</em> Practices Act ( FDCPA ) prohibits <em>debt</em> collectors from repeatedly or continuously trespassing, invading, or calling to my home with intent to harass, oppress, or abuse me."],"product":["<em>Debt</em> <em>collection</em>"],"sub_product":["Credit card <em>debt</em>"],"sub_issue":["Threatened to sue you for very old <em>debt</em>"]},"sort":[9.952751,"6171703"]},{"_index":"complaint-public-v1","_id":"2716225","_score":9.894118,"_source":{"product":"Debt collection","complaint_what_happened":"The following letter was sent to the collection agency CMRE ( on XX/XX/XXXX ). It contains the letter I sent to XXXX XXXX XXXX after they deceived me with a Switch and Bait while awaiting care in their Emergency Dept. on XX/XX/XXXX. \nThe following is the letter I sent to CMRE. \n\nCMRE FINANCIAL SERVICS, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX The debt you refer to is NOT VALID. READ LETTER BELOW. \n\nTo : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX XXXX Ca XXXX XX/XX/XXXX Re : your letters of XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. \n\nThis matter is resolved. Your clerk, a XXXX/XXXX XXXX XXXX employee, on XX/XX/XXXX, at sometime between XXXX and XXXX XXXX, called me to Window 3 in the Emergency Dept. waiting room, and informed me that my visit that day would be free of charge. I took her at her word. This is classic Bait and Switch, and will be treated as such by me and my representatives. Your first letter of XX/XX/XXXX, stated that I may qualify for a full or partial discount. With an annual income of {$8000.00}, a full discount should be given, but when I called to request it I was brushed off and instead sent 2 more threatening letters, promising to send me to a Collection agency. \n\nThe following has also been forwarded to the Office of Governor XXXX XXXX XXXX XXXX, XXXX, American Hospital Association , Office of Civil Rights. \n\nThis incident is a Bait and Switch deception that XXXX XXXX XXXX deceived me with. On XX/XX/XXXX, I was in the waiting room of the Emergency Dept. at XXXX XXXX XXXX, XXXX XXXX, Ca. I had checked in with the triage nurse. I was in XXXX XXXX with XXXX XXXX ; this had been going on for some 8 days. With no health insurance, I had tried to live with it, but XXXX XXXX and XXXX caused me to visit an Urgent Care that day, which sent me to the hospital. After five hours of waiting, a XXXX XXXX XXXX clerk/employee ( the hospital is run by XXXX ) called me to Window 3. SHE CALLED ME ; I DID NOT REQUEST TO SPEAK WITH ANYONE! This was sometime between XXXX and XXXX XXXX. She informed me that my visit that day would be free of charge. I showed her my XXXX XXXX XXXX card, and informed her that I did not have XXXX XXXX XXXX ( which covers Emergency Room visits ). However, she reiterated that my care that day would be free of charge. I had been considering leaving the ED at this point, as at age XXXX I was so weak that I could no longer sit up, saw those with less pressing health concerns ( such as a XXXX XXXX in the XXXX! ) given a bed, and was extremely weak being unable to eat or even drink water without great pain. However, a mere several minutes after this XXXX clerk called me to Window 3, I was given a bed in the Emergency Dept. Since XXXX informed me that my visit that day was free, I decided to stay. \nI was diagnosed with XXXX, a common problem for many over the age of XXXX. I received a XXXX with XXXX XXXX, XXXX XXXX, and a XXXX. The emergency physician, XXXX XXXX, XXXX, spoke to me for about 30 seconds, but at no point did he examine me! \nNow here 's the Bait and Switch scenario. Some weeks later, while still recovering, I received 3 bills : one from XXXX for {$5800.00} ; one from XXXX XXXX XXXX for {$1000.00} ; another from XXXX XXXX XXXX for {$420.00}. ( This bill did not even state what it was for! I am assuming it was for reading the XXXX XXXX. ) These bills total to {$7200.00}! For a simple diagnosis at that! \n\nCMRE, IN ATTEMPTING TO TERRORIZE ME REGARDING THIS BAIT AND SWITCH SCENARIO VIA XXXX, YOU ARE PARTICIPATING IN THEIR FRAUD AS WELL. FRAUD IS A CRIME, BOTH CIVIL AND CRIMINAL. I WILL NOT BE INTIMIDATED BY THUGS SENT TO TERRORIZE ME SO A GREEDY, FOR PROFIT HEALTH CARE COMPANY CAN BAIT AND SWITCH ME AND CHARGE OVER 4 TIMES WHAT XXXX WOULD PAY! TO REITERATE : XXXXXXXX XXXX  EMPLOYEE INFORMED ME MY VISIT WAS FREE OF CHARGE FOR MY XXXX XXXX, XXXX EMERGENCY DEPT.","date_sent_to_company":"2017-10-30T21:30:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"92284","tags":"Older American","has_narrative":true,"complaint_id":"2716225","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CMRE Financial Services, Inc.","date_received":"2017-10-30T20:36:22.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["The following letter was sent to the <em>collection</em> agency CMRE ( on XX/XX/XXXX ). It contains the letter I sent to XXXX XXXX XXXX after they deceived me with a Switch and Bait while awaiting care in their Emergency Dept. on XX/XX/XXXX. \nThe following is the letter I sent to CMRE. \n\nCMRE FINANCIAL SERVICS, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX The <em>debt</em> you refer to is NOT VALID. READ LETTER BELOW."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Medical <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[9.894118,"2716225"]},{"_index":"complaint-public-v1","_id":"5060440","_score":8.367291,"_source":{"product":"Debt collection","complaint_what_happened":"Violation of my cease and desist. \n\nToday is XX/XX/XXXX. I am writing this without the assistance of any person. On XX/XX/XXXX, I submitted a complaint concerning SANTANDER CONSUMER USA ( SCUSA ). I have provided physical proof of how they have VIOLATED my RIGHTS as a consumer under the Fair Debt Collection Practices Act. 15 USC 1692c ( c ) ( 1 ) ( 2 ) ( 3 ). See CFPB complaint XXXX. Part of my remedy and claim was that SCUSA ceases and desist any further communication with me through any and all mediums. 15 USC 1692a ( 2 ). Communication includes consumer reporting agencies that I have no contract. Consumer Reporting Agencies include XXXX, XXXX, and XXXX. I am a federally protected consumer who asserted my rights under Federal Laws written by the trustees of the United States ( Congress ). \n\nI get email notifications from the USPS. On XX/XX/XXXX at XXXXXXXX XXXX, I became anxious when I saw a communication from a debt collector, SCUSA. During my 1hr commute to work, I could not get out of my mind what SCUSA or its representatives had to say to me. I got home around XXXX XXXX and finally got to check the mail, and by XXXXXXXX XXXX, I decided to call the number in the communication. I called XXXX as prescribed in the commutation, which reads, \" For any questions, or to request to remove the Cease and Desist from the account, please contact us directly at ( XXXX ) XXXX. See proof attached and labeled as, XX/XX/XXXX - SCUSA Proves Violation of XXXX XXXX XXXX. The automated system did not recognize the account number for the alleged obligation. Even after four attempts, the system said, \" I'm sorry that is still not a valid response ; this communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose. Please hold while I transfer your call to a customer service agent. '' On XX/XX/XXXX, EMPLOYEE ID : XXXX- XXXX said she couldn't find me in the system because her computer froze. She found me after another attempt. She said, \" I'm going to send you over to the \" SPECIALIZED DEPARTMENT '' that would be able to assist you since I'm from customer service... I'm not able to pull up the account ; they would be able to pull up the account. '' I doubt this department 's mission is to make the consumer feel special. \n\nOn XX/XX/XXXX at about XXXXXXXX XXXX, EMPLOYEE ID : XXXX - XXXX stated that she couldn't find me in the system and had to refer me to another department. EMPLOYEE ID XXXX - XXXX from the \" SPECIALIZED, PLATINUM SERVICES, CEASE AND DESIST DEPARTMENT '' stated I do not have an account after I provided her the account number ending in XXXX. \n\nSCUSA has furnished statements and other communications to coerce me into believing I am participating in repaying an alleged obligation that is not mine. 15 U.S. Code 1692j - Furnishing certain deceptive forms. See attachments from complaint ID XXXX and attachments in this complaint labeled as XX/XX/XXXX - SCUSA Proves Violation of XXXX & XXXX. \n\nI went back to review 15 USC 1692c ( c ), ( 1 ), ( 2 ), ( 3 ). Below is the only means of communication a debt collector is supposed to have with me, as prescribed by the United States Trustee, Congress. \n\n15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. \nIf such notice from the consumer is made by mail, notification shall be complete upon receipt. \n\nBased on the dates on the face of the envelope, the communication is willful and knowing at this point. The date on the envelope reads XX/XX/XXXX FIRST CLASS MAIL. The communication within is dated XX/XX/XXXX and makes me feel oppressed. 15 U.S. Code 1692d ( 2 ). Emotional pain caused me anxiety even while writing this complaint, knowing that Federal Law is being overlooked and I am being deceived into paying on an alleged obligation. 15 U.S. Code 1692j. SCUSA sent another envelope on XX/XX/XXXX FIRST CLASS MAIL, but still, the communication inside was dated XX/XX/XXXX. So this leads me to believe the later dated communication was delayed on purpose as to try claim I have defaulted on an alleged obligation. I have still not received the accounting or balance sheet to prove I have a responsibility and that purchase money was loaned. \n\nThese letters violate everything that a cease and desist under 15 USC 1692c ( c ) prescribes.\n\nSCUSA has caused me to have headaches and stomach aches just from that thought of the illegal action of repossession by this debt collector. The communications that came after the cease and desist reads in bold type font, \" ... Santander Consumer USA Inc. will no longer be able to provide verbal notification prior to any repossession actions. '' SCUSA said, \" Remember, you are still OBLIGATED to make your contractual payments on the account. '' I called ( XXXX ) XXXX, and no account could be found using the account number SCUSA provided. I called again at XXXXXXXX XXXX on XX/XX/XXXX to confirm. \n\nTo repossess, you would first have to possess something. SANTANDER CONSUMER USA is listed as a lienholder, and I am listed as an Owner. I can not take the threat of repossession lightly for a vehicle I used for personal purposes to be taken from me. They are leaving me without a means of travel to work and the ability to pay my actual obligations, not alleged ones from a debt collector called SCUSA, with the threat of reposession. \n\nSee attached violations of the Fair Debt Collection Practices Act and the Cease and Desist SANTANDER CONSUMER USA received on XX/XX/XXXX by XXXX XXXX. Congress wrote into Federal Law, \" If such notice ( Cease and Desist ) from the consumer is made by mail, notification shall be complete upon receipt. '' 15 USC 1692c ( c ). \n\nSANTANDER CONSUMER USA has responded to me directly. It has willingly chosen to avoid a response through the Consumer Financial Protection Bureau. 15 U.S. Code 1692a ( 1 ). SCUSA received my Cease and Desist Request on XX/XX/XXXX. See proof attached as XXXX - SCUSA XXXX & XXXX. On XX/XX/XXXX SCUSA knowingly and willfully decided to communicate ( 15 U.S. Code 1692a ( 2 ) ) with me indirectly through a consumer reporting agency. 15 U.S. Code 1611 ( 3 ) - Criminal liability for the willful and knowing violation. One day after receiving my cease and desist XX/XX/XXXX.","date_sent_to_company":"2022-01-01T20:56:51.000Z","issue":"Communication tactics","sub_product":"Auto debt","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"5060440","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Santander Consumer USA Holdings Inc.","date_received":"2022-01-01T20:29:15.000Z","state":"TX","company_public_response":null,"sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["Based on the dates on the face of the envelope, the communication is willful and knowing at this <em>point</em>. The date on the envelope reads XX/XX/XXXX FIRST CLASS MAIL. The communication within is dated XX/XX/XXXX and makes me feel oppressed. 15 U.S. Code 1692d ( 2 ). Emotional <em>pain</em> caused me anxiety even while writing this complaint, knowing that Federal Law is being overlooked and I am being deceived into paying on an alleged obligation. 15 U.S. Code 1692j."],"product":["<em>Debt</em> <em>collection</em>"],"sub_product":["Auto <em>debt</em>"]},"sort":[8.367291,"5060440"]},{"_index":"complaint-public-v1","_id":"4961646","_score":8.310473,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Early last year I looked at my credit report and noticed there were XXXX or XXXX Fraudulent Acts or Errors made on my report. \nIt was brought to my attention by the XXXX XXXX XXXX, because I have to maintain a standard credit score to remain a tenant in the building where I have been living for 4 years in peace. \nSo I filed a police report because there was no way that the charges belonged to me. Two of them were from out of state. And the other was to a local hospital for over {$10000.00} that I had never been to. And have full coverage insurance and it would have been paid. And the other 2 on my report I disputed, got evidence and submitted it and eventually won after 6 months of wrangling to have them removed off of my credit report with less than minimal help by Experian. And they were \" Helping Me '' it seemed like they were more in cahoots with the Debt Collection Agencies than trying to help me. But I took there advice as it stated to get credit cards,,, where it's like I pay XXXX for XXXX worth of credit. And build up credit from there. But I brought it up to their attention that my credit score didnt go up not 1 point when i had the 3 Debts Removed, infact went down 10-12 points and they said it would adjust the following month but never did and feels like it never will. And suddenly there was another debt out of state, I had no way to contact the debt collection agency, I forwarded that info to the police, and the officer said there was something shady about that. And he contacted Experian because they insisted on a copy of the Police Report. I obliged and that was removed. They treated me terribly. And even would call to see if I would make a payment to The Debt Collection Agency to get my score up. When it's not my debt to pay. \nI tried my best to get my score up and it seemed successful when I went to XXXX XXXX instead of dealing Experian directly. \nAnd this entire time. Which is very frustrating, I'm battling XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the Officer had bigger fish to fry than my credit report. XXXX XXXX ( Minnesota XXXX ) and so much more and our correspondence was minimal and finally closed the case when the debts were removed and as quick as that another one from out of state came on there. How is all this possible? And Am I set up to fail? Is this how it works. I almost died this year. My income was {$200.00} per month from XXXX up until XXXX of XXXX. For over 4 years my income was {$200.00}. That was it. People spend that at the gas station. Is what I'm told. \nNo one, no one at the credit agencies would believe that was it. XXXX and everyone in my building and doctors, home nurses and social workers know that was all I was receiving in benefits and before I got so Ill. I did try to earn more as they describe on XXXX Hoarder especially when the Pandemic hit. I felt as an American it was my responsibility in some way, to keep our Economy Floating. So I bought and sold ( tshirts, bags, Sneakers ) and it was ok. Until it wasn't. I became XXXX Physically then severe emotionally and You can't move, no incentive can help with that. I know my bill payments are over due from XX/XX/XXXX, my Telephone and Internet get cut off, my car, ( the only thing I have ) Someone stole the entire Catalytic Converter and Muffler System out. \nMy funds were directed towards my needs. My XXXX XXXX Hearing Went in my Favor in XX/XX/XXXX. I had XXXX XXXX XXXX on XX/XX/XXXX. \nAm officer came to my door. \nMy car had bad tags on it and no insurance and I was fined over 500 on each ticket and had to appear Infront of the Judge on XX/XX/XXXX. \nVia XXXX Dear Sir, Ma'am, Everything I'm telling you is The Honest to XXXX 's Truth and can send you anything you need to verify any of it. Every bit of it. \nI can't not express to you enough how painful recovery from this XXXX was and still is. \nEspecially when I decided not take pain meds, because I have been clean from XXXX since XXXX. And I also decided to quit taking the XXXX they had me on and all the antidepressants all while immediately recovering from XXXX. \nI had nurses coming up to check my vitals XXXX times a week. And it was XXXX. \nI don't think anyone can understand if they themselves or someone they truly love fights the pain of addiction. \nThis was a battle.Full on. ( I suffered and endured the worst 54 days of detox in my life ) in the meantime. My bills were unpaid, no phone, no internet, and I had to take care of my legal issues. I Iive alone, my neighbors are older and also handicapped. \nI had to register the car, transfer title, tag it, and Obtain Full Coverage Insurance, and pay the fines ordered by the Prosecutor all in timely manner which I have recently completed. My XXXX XXXX is {$790.00} which is great compared to {$200.00} but it took 3 entire months of {$790.00} 's just to take care of the legal issues. Now my rent is past due. I got a little help with that. Also my utilities. But everything has gone up tremendously and not to mention I could not drive my car until everything was paid. And I'm doing all this court, DMV stuff on crutches and spent {$430.00} on XXXX. If I don't have it, why am I punished so badly.. These 2 credit card companies WOULD NOT accept a payment for {$20.00} neither one would. I'm yet to get any XXXX back pay. My Checking Account has been cancelled because of overdraft fees. I was so worked up about everything, just everything. Because it seems like no matter how hard I try. \nNO Matter How Focused and Committed My Credit Score will not Go up. \nI changed my mind about that because within myself I reminded myself that because I worked hard and I kept my focus I am 4 years clean and sober through out all this hardship and despair. I need to seek out the help I needed for recovery in the same way I need it to improve my livelyhood. \nGood Credit is a necessity, for everything. But this fight has a life of its own. The Creditors will not work with me. \nTHEY Want lump sums that I do not have currently. They wouldn't accept a payment from me unless it was {$85.00} or 1/2 of the entire amount that just grown by 95 % a month my bill was under {$100.00} before I became deathy ill... It was XXXX XXXX XXXX And the Fees and they Keep piling up. XXXX XXXX XXXX said that I didn't have to worry about my delinquent bills and they wouldn't effect my credit score because they weren't allowed to during the Pandemic. Well that definitely was not true, because they stuck it to me like never before. And she was just trying to keep my XXXX XXXX down. \nPlease please please please help me with this. My score is now under 500... I have to be above 600 to live in these structures and anywhere really. \nI only have about {$1000.00} in debt entirely, but they are committed to making sure my credit never increases. \nDo you notice for a poor person like myself, everything is twice as high. \nHow does that make sense. How? \nPlease Dear Sir, Maam. \nI need assistance. But not the kind they offer on these sites. I don't have that kind of money to pay someone to steal from me like they have been. \nI've been educating myself, on credit, and how it works, I'm XXXX and I have never been informed, told, or even taught about my credit, except from what I thought was accurate information from Experian, I thought I was Adulting and becoming responsible. But instead I was gullible and weak. It's XX/XX/XXXX and there has been a death in my immediate family. I have no emergency money and I can't go I can't afford to send flowers that are cohesive to rest of the Funeral. No one considers Funerals as important unless it's someone they care about, no one considers a car repair, legal costs, ride costs, unless it's them. \nNo one cares, they are just doing their jobs. Their Jobs are going to make me Homeless. I'm writing to you. Because now that I have handled my legal issues. It's now time to Focus on this situation. \nBut you have to understand. I can only handle one situation at a time. Just like my sobriety. One day at a time. \nBut again. I am definitely way over my head. \nIs there anything you can do to help me. \nMy financial situation isn't going to change anytime soon. So please take into consideration. That the {$790.00} I receive now monthly has put me in a different bracket with how much my rent has gone up and I'm also paying Full Coverage Insurance and Premiums to survive. \nThere is no simple solution. Because if there were, I would have paid it. \nBut if I don't have it. How???. \nIm not close with family and have no friends. I have no one and can only rely on myself. So I need you to please advise me as best as possible. \nThis month in XX/XX/XXXX tomorrow I am paying my overdue XXXX XXXX XXXX have internet and phone service again. It's {$170.00}. \nDear Sir, Ma'am, It's not like I'm not trying. I'm doing everything I can. And I can't get ahead. I sacrifice everyday, I haven't had a professional haircut in over 5 years. I shop at XXXX only. I buy only what's absolutely necessary. My XXXX was me the tv and Noodles. That's how my XXXX is going to be. I'm still recovering and in physical therapy XXXX x a week and mental therapy weekly. \nBut they tell me things aren't true when it comes to life. They try to calm me. And help my well-being. I need some help with the things they can't understand. Because it will never ever happen to them. We live in XXXX different worlds. \n\nI left from a foster home at XXXX to work to XXXX bad relationship after the other. \nWhen I say I almost died. I literally died for several minutes and was pronounced dead, and I am grateful to be here today. Alot of us didn't make it through this Pandemic. But I need make it through life. And I need you to understand that I can't make it without a descent credit score, if I get tossed out, I have no where to go. Nor do I have the energy to that. So they will have to take me out in bag. \nAnd ive seen them do it. The neighbors on either side of me. Both deceased recently. This is the world I live in. \nAs I gain my strength, and getting my phone and internet installed by next week, someone from XXXX will be up to install the services again. I plan on attending college courses online, to improve my financial situation which is a great plan for the future. But I still need to live in the NOW which is my existence and I can't count on the future when I can count on the NOW. I'm XXXX. \nPlease consider helping my situation. \nPlease help me like you would a family member or someone you cared about.. \nI'm doing my part this month. And XXXX  Non payment should be removed after payment. This week for sure. \nBut XXXX XXXX XXXX XXXX and whatever else Experian cuncocks will still be there and that's what I need help with. XXXX didn't charge/ or waived all late fees so that's easier to resolve ..... \nThey are working with me. And lowered the cost of my internet. Experian referred me to XXXX XXXX companies that I'm set up to fail..And I can't Fail again. They lead you to their Their highest paying advertisers. Which seem like they are doing people like me A HUGE SERVICE. I know better now. \nPlease Advise and Thank you for reading my letter. Please don't hesitate to ask for any verification on any or all of the above subjects I've mentioned. \nXXXX Bless, XXXX XXXX, XXXX XXXX. \n\nXXXX XXXX SS. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN. XXXX XXXX","date_sent_to_company":"2021-12-27T19:48:24.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"553XX","tags":null,"has_narrative":true,"complaint_id":"4961646","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-11-30T05:25:35.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["But I brought it up to their attention that my credit score didnt go up not 1 <em>point</em> when i had the 3 <em>Debts</em> Removed, infact went down 10-12 points and they said it would adjust the following month but never did and feels like it never will. And suddenly there was another <em>debt</em> out of state, I had no way to contact the <em>debt</em> <em>collection</em> agency, I forwarded that info to the police, and the officer said there was something shady <em>about</em> that."]},"sort":[8.310473,"4961646"]},{"_index":"complaint-public-v1","_id":"4511169","_score":7.862117,"_source":{"product":"Debt collection","complaint_what_happened":"Under Title 15 chapter XXXX, I am a federally protected consumer, a natural person, the administrator, and the original creditor according to 15 USC 1602 ( f ) ( e ) and I am the person who regularly extends credit according to 15 USC 1602 ( g ) ,15 USC 1601, 15 USC 1602 ( f ). \n\nI XXXX XXXX XXXX entered into a consumer credit transaction with CarMax Auto Finance. In this consumer credit transaction in which I granted CarMax the right to be the creditor ( see finance charge on the contract specifying that ), CarMax supplied the California Retail Installment Contract and the debt, however, this contract is a deceptive, misleading document according to 1692 ( j ). In the security clause of the California Retail Installment Contract, it states they were given collateral THE SECURITY INTEREST YOU ARE GIVING US SECURES ALL AMOUNTS OWED BY YOU UNDER THIS CONTRACT AND ALL THE OTHER AGREEMENT YOU HAVE MADE IN THIS CONTRACT. My consumer rights were violated on multiple levels which I will explain ; the finance charge is the sum of all charges according to 15 USC 1605, and when theres a finance charge involved insurance should be included, however, CarMax demanded insurance before the purchase. When a finance charge is involved it should include no cash in a private consumer transaction according to 15 USC 1605 ( does not include charges of a type payable in a comparable cash transaction. ) CarMax demanded a down payment and {$3000.00} was what I paid on said down payment. I signed the contract under the organization XXXX XXXX XXXX with the social security card provided to CarMax. According to 18 USC 8, after XXXX the government assumed ALL liabilities that arise under transactions using your credit card XXXX Social Security Card ). I XXXX XXXX, the natural person, is not obligated or liable to CarMax auto finance alleged debt. In my Affidavit of Truth, which CarMax is in receipt of since XX/XX/XXXX, I revoked CarMax 's rights to be a creditor and I canceled the contract according to 31 USC 3718. CarMax can not originate credit ; they can only extend credit because I am the original creditor, the natural person according to 15 USC 1602.\n\nFederal law states that any person sending you a \" bill '' violates your consumer rights. CarMax is charging me for a transaction that is already paid for. They continue to pursue collection with fraudulent bills, violating the FDCPA. I have many bills with multiple violations on each, such as late payments. For example, since there was a finance charge involved, there should be no late payment fees. I have received many bills from CarMax alleging I owe late payment fees. CarMax Auto Finance Violates FCRA, FDCPA, and TILA. CarMax continues to solicit on this alleged debt and has negatively reported on my consumer credit report. This is defamation of character. I did not give CarMax Auto Finance direct consent to report on my consumer credit report, according to 15 USC 1692c ( a ). CarMax Auto Finance did not tell me about my right of rescission according to 15 USC 1635- the right of rescission. CarMax Auto Finance has been in receipt for more than 30 days of my letters including, an Affidavit of Truth, Cease and Desist, Debt Validation, and Exhibits showing violations with an invoice for remedy of such violations. They made no rebuttal to my affidavit, so it stands as truth in commerce and results in a default of judgment according to the federal rules of civil procedure rule 55 or summary judgment under rule 56. At this point, CarMax is infringing on my privacy, unauthorized and in violation according to 15 USC 1643 and 15 USC 1692 ( j ). This is ISSA fraud and a complete violation of Title 15, Chapter XXXX. Furthermore, on XX/XX/XXXX CarMax sent a repo man named XXXX XXXX an unauthorized third party, a XXXX ) from XXXX XXXX to my address to repossess my vehicle. Who gave XXXX my privileged and confidential information? In the California Retail Installment Contract, it states We may take ( repossess XXXX the vehicle from you as long as we do so peacefully. 1 ) CarMax did not repossess the vehicle themselvesthey sent a third-party vendor to my location to disturb the peace, violate my rights and unlawfully take my vehicle. Nowhere in the California XXXX XXXX XXXX does it say they will issue a THIRD-PARTY vendor to steal the vehicle. As aforementioned, said contract clearly says We to which the Repossessor is not employed by CarMax. 2 ) CarMax can not repossess something they do not own this is THEFT, FRUAD, and IDENTITY THEFT and is completely ILLEGAL. I told the Repossessor that there is a Cease and Desist in place, and he did not have my permission to take the vehicle. I also disclosed to him, CarMax has violated my rights by exposing my privileged and confidential information to a third-party vendor who I am not in contract with and do not know and further clarified that CarMax did not have the right to send him to my location to disturb my peace and illegally take my vehicle. I then called CarMax, while he witnessed, and spoke to multiple agents in upper Management XXXX XXXX and XXXX XXXX in which I explained/enforced the law. They proceeded to straw-man/minimize my claims and even instructed their third-party vendor to have their Repossessor steal my vehicle. CarMax Auto Finance will be persecuted for illegally utilizing my name and will be criminally liable for all violations according to 15 USC 1611, 15 USC 1640, 15 USC 1692e, Title 18 but not limited to.\n\nThat said, I demand the full remedy for violating my consumer rights and illegal wrongdoings against me, compensation for all pain and suffering caused, compensation for defamation of character and damaging my consumer report according to 1692k, refund for all sums of money collected on this fraudulent contract, return of my vehicle and title ( lien-free ), zero out the alleged debt and positively report to all reporting agencies.","date_sent_to_company":"2021-07-02T14:37:35.000Z","issue":"Attempts to collect debt not owed","sub_product":"Auto debt","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"4511169","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CarMax, Inc.","date_received":"2021-07-02T14:33:32.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["CarMax Auto Finance did not tell me <em>about</em> my right of rescission according to 15 USC 1635- the right of rescission. CarMax Auto Finance has been in receipt for more than 30 days of my letters including, an Affidavit of Truth, Cease and Desist, <em>Debt</em> Validation, and Exhibits showing violations with an invoice for remedy of such violations."],"product":["<em>Debt</em> <em>collection</em>"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Auto <em>debt</em>"],"sub_issue":["<em>Debt</em> was paid"]},"sort":[7.862117,"4511169"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":36,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":36}]}},"product":{"doc_count":36,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":19,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Medical debt","doc_count":7},{"key":"Auto debt","doc_count":4},{"key":"Credit card debt","doc_count":3},{"key":"Other 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