{"took":270,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":53,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"4154086","_score":15.665394,"_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":[15.665394,"4154086"]},{"_index":"complaint-public-v1","_id":"4522270","_score":14.878596,"_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> collection"],"sub_product":["Medical <em>debt</em>"]},"sort":[14.878596,"4522270"]},{"_index":"complaint-public-v1","_id":"13614447","_score":14.488276,"_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 <em>complaint</em> with all this info would get something done again."],"product":["<em>Debt</em> collection"],"sub_product":["Medical <em>debt</em>"],"sub_issue":["Threatened to sue you for very old <em>debt</em>"]},"sort":[14.488276,"13614447"]},{"_index":"complaint-public-v1","_id":"9585651","_score":13.552582,"_source":{"product":"Checking or savings account","complaint_what_happened":"Issue 1 : On or about XX/XX/XXXX, PNC Bank illegally withheld my funds that had already been allocated and paid out to an assigned payee. This action resulted in significant financial and personal hardship, causing me to incur a debt of over {$10000.00} and necessitating a relocation that cost me in excess of {$21000.00}. \n\nIssue 2 : On or about XX/XX/XXXX, I reported fraud committed by a merchant to PNC Bank. I called PNC to report the fraud and cancel my card. I was assured by PNC representatives that the fraudulent company would be unable to make further charges on my account. However, PNC paid the fraudsters, overdrew my account, and despite my numerous phone calls pointing out my reports and providing recordings of conversations during which I reported the fraudulent activity and was guaranteed protection, my calls were met with mockery, disrespect, and outright dismissal by PNC 's phone representatives. No corrective action was taken, and my account was closed with a negative balance Issue 3 : Throughout XXXX and XXXX, on more than three occasions, PNC Bank withheld funds from checks paid to me, in violation of Federal Reserve regulations that stipulate a bank must release the funds of a payable check within 48 hours. Some of these holds lasted more than seven days. Repeated calls to PNC 's customer service resulted in being hung up on and receiving inconsistent explanations, such as PNC 's belief that the checks were fraudulent, even after verification by the payor 's bank and even after the check had already been paid out by the issuing bank/payor. This illegal withholding of funds caused me to accrue late fees, negatively impacted my payment history with certain providers, and prevented me from obtaining necessary medical treatments, leading to severe physical distress, pain, and suffering. \n\nIssue 4 : On or about XX/XX/XXXX, after the last incident of PNC withholding a check paid to me, I filed a complaint with PNC 's \" Client Relations '' department. In retaliation, PNC blocked my access to the PNC banking app. Multiple unsuccessful attempts to restore access were met with conflicting instructions from representatives, ultimately resulting in the closure of my account without any feedback. \n\nImpact : The actions of PNC Bank have caused me significant financial and personal hardship, including debt, relocation expenses, late fees, negative impacts on my payment history, and severe physical distress due to the inability to access necessary medical treatments. \n\nActions Taken : I have repeatedly contacted PNC 's customer service regarding these issues and received no meaningful response, other than a patronizing phone call from a representative who acknowledged my complaints but offered no solutions.","date_sent_to_company":"2024-07-22T17:19:12.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"72703","tags":null,"has_narrative":true,"complaint_id":"9585651","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2024-07-22T16:59:22.000Z","state":"AR","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["This illegal withholding of funds caused me to accrue late fees, negatively impacted my payment history with certain providers, and prevented me from obtaining necessary medical treatments, leading to severe physical distress, <em>pain</em>, and suffering. \n\nIssue 4 : On or <em>about</em> XX/XX/XXXX, after the last incident of PNC withholding a check paid to me, I filed a <em>complaint</em> with PNC 's \" Client Relations '' department. In retaliation, PNC blocked my access to the PNC banking app."]},"sort":[13.552582,"9585651"]},{"_index":"complaint-public-v1","_id":"4175119","_score":13.536787,"_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":[13.536787,"4175119"]},{"_index":"complaint-public-v1","_id":"4174899","_score":13.506647,"_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":[13.506647,"4174899"]},{"_index":"complaint-public-v1","_id":"4169191","_score":13.504532,"_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":[13.504532,"4169191"]},{"_index":"complaint-public-v1","_id":"3359832","_score":12.457688,"_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":["Since Portfolio Recovery Associates falsely and maliciously informed XXXX that this <em>debt</em> 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 <em>pain</em> and mental anguish. Because of this I have filed a <em>complaint</em> with the Texas Attorney Generals Office ( <em>complaint</em> number is XXXX ) and now with the FTCs Consumer Financial Protection Bureau."],"product":["<em>Debt</em> collection"],"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":[12.457688,"3359832"]},{"_index":"complaint-public-v1","_id":"2590498","_score":12.235987,"_source":{"product":"Student loan","complaint_what_happened":"I am XXXX XXXX due to a rare, chronic and incurable illness, and have been out of work for more than one year. The only source of income I have is XXXX XXXX which is n't enough to cover my medical needs. Navient completed a financial assessment stating I 'm about {$6700.00} short of monthly expenses. My student loans are in repayment but I 'm not able to pay them. At near default status, I was able to get on a reduced rate program for one loan. To pay this, I 'll have to forego medication each month. XXXX more loans were in the same status and after providing financial information, an amount was offered at a reduced rate of {$280.00}. Though this amount will mean I must forego more medication, I needed to accept it or risk my parents being sued for a debt that belonged to me. The payment was to be drafted at the end of each month. I received a call at approximately XXXX from the representative who set the program up for reduced payments. He told me that his supervisors manager denied my reduced payment request because of my revolving credit payments. Somehow being {$6700.00} in the negative has no bearing on my ability to afford to make student loan payments. He then said I had until XXXX to pay $ XXXX+ to add to the {$280.00} drafted today for the loan program I agreed to. He would n't give me the managers name nor transfer me. But he said my loan would officially default now, as a result which was not supposed to happen. I was mislead into giving navient access to my account. I called the advocate office and they would n't open a complaint for me. The representative was told to transfer me to the rate reduction team. From there I remained on hold for nearly 90 minutes until I finally disconnected because I was experiencing high levels of pain due to the XXXX. I do n't know what else to do at this point. These loans were already and issue because they were illegally modified for approval. But now I 've been mislead for my account access, money has been taken and threatened with loan default and possible legal action.","date_sent_to_company":"2017-08-01T05:23:42.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"30022","tags":null,"has_narrative":true,"complaint_id":"2590498","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-08-01T00:35:05.000Z","state":"GA","company_public_response":null,"sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["I called the advocate office and they would n't open a <em>complaint</em> for me. The representative was told to transfer me to the rate reduction team. From there I remained on hold for nearly 90 minutes until I finally disconnected because I was experiencing high levels of <em>pain</em> due to the XXXX. I do n't know what else to do at this <em>point</em>. These loans were already and issue because they were illegally modified for approval."]},"sort":[12.235987,"2590498"]},{"_index":"complaint-public-v1","_id":"3360870","_score":11.950085,"_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":["Since XXXX XXXX XXXX falsely and maliciously informed XXXX  that this <em>debt</em> 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 <em>pain</em> and mental anguish. Because of this I have filed a <em>complaint</em> with the Texas Attorney Generals Office ( <em>complaint</em> number is XXXX ) and now with the FTCs Consumer Financial Protection Bureau."],"product":["<em>Debt</em> collection"],"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":[11.950085,"3360870"]},{"_index":"complaint-public-v1","_id":"3358525","_score":10.058324,"_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":["Bluhm & Associates , LLC ) was NOT licensed or registered in Florida to try and collect this <em>debt</em>, and that they had multiple other <em>complaints</em> <em>about</em> them. The FL Office of Financial Regulation then directed me to file a <em>complaint</em> 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."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Medical <em>debt</em>"],"sub_issue":["<em>Debt</em> is not yours"]},"sort":[10.058324,"3358525"]},{"_index":"complaint-public-v1","_id":"7158140","_score":10.050772,"_source":{"product":"Mortgage","complaint_what_happened":"I contacted the legal team representing MR.COOPER and their legal team has even remained silent when I asked if they could prove the validity of the alleged loan from XXXX XXXX so I think it's safe to assume it is indeed void ab initio. I really wanted to avoid this cause it will be a pain, but as per DTPA regulations sec. 17.46 DECEPTIVE TRADE PRACTICES ( b ) ( 3 ) causing confusion or misunderstanding as to the source, sponsorship, approval, or certification of goods or services ; ( 4 ) Causing confusion or misunderstanding as to affiliation, connection, or association with, or certification by, another ; ( 12 ) representing that an agreement confers or involves rights, remedies or obligations which it does not have or involve, or which are prohibited by law ; ( 24 ) failing to disclose information concerning goods or services which was known at the time of the transaction if such failure to disclose such information was intended to induce the consumer into a transaction into which the consumer would not have entered had the information been disclosed ; XXXXXXXX XXXX  as well as MR. COOPER have attempted and alleged that I am the cesta que trust XXXX XXXX XXXX. I am the administrator and beneficiary of this trust I am not the trust itself and I am not a name. I will also provide multiple copies of the statements in which the last time I sent a complaint they provided a photo saying this coupon we've sent you here 's a photo. That was the first time I've ever seen it so they lied in their response and I have downloaded statement after statement on their website not one is accurate to their response. I also have many paper statements with the same result. I have requested more that 10 times between MR COOPER and their legal team to verify that I was loaned anything of value. If they could show a paper trail that would verify with 100 % certainty that I was loaned anything at all. They have not produced this or can not. This was a part of my complaint last time as well and even then the only thing they sent was a copy of the contract which is in no way a paper trail or proof that I was loaned anything of value. They have continued to harass me by attempting to illegally sell my property which they have no claimed rights to as they can not verify the validity of the debt. I am currently seeking to sue them as companies such as yours clearly don't do anything about the deceptive business practices that these companies operate in. If you want the cusip number that verifies that XXXX XXXX XXXX is a trust I can provide that. I'd rather not sure the XXXX out of them but I definitely will. They gave out my personal private phone number for zounds of unwanted solicitations. I thought I have made it incredibly obvious that I only desire to talk through writing, but somehow I never get any mail or anything from. In fact I was getting paper statements before my last complaint and haven't gotten a single paper statement since then. Fishy. Regardless of whether you do your job or not with the necessary action that should be taken with MR COOPER \" the face of home loans '' ( like it says on the front of their mail ) I will take action against them, their harassment, their desire to continue with the fraud they are committed and for violating my rights as I don't have any signed agreement anywhere that MR COOPER can produce, they have no claimed rights to the property they are attempting to steal from me. I paid for the house with my cesta que trust by signing on behalf of my trust. This is all fact I have copies of all their running around avoiding giving any evidence that would prove they have any rights to the property in question. At this point they are literally stealing my property and trying to sell it to someone else cause I caught them and they hate it.i Can not wait to go to court because I have 100 % confidence in my facts. Below I attached the three most recent statements none of which as you can see for yourself include the documentation that was complained about the last time is not included as they claimed. They once again have been deceitful and to you and did you do anything to look into any of it. Nah clearly not so I'll be making this known to the judge if I take them to court under DTPA voilations. I'm really confused on how the consumer protection company just sends my complaint to the company I'm complaining about and takes no action for justice to be had, how exactly is that protecting anything? For me this is more evidence against them when they respond so I guess there's that. \n\nAll rights reserved The living man XXXX","date_sent_to_company":"2023-06-23T15:30:52.000Z","issue":"Closing on a mortgage","sub_product":"FHA mortgage","zip_code":"79703","tags":null,"has_narrative":true,"complaint_id":"7158140","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2023-06-23T14:50:13.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["This was a part of my <em>complaint</em> last time as well and even then the only thing they sent was a copy of the contract which is in no way a paper trail or proof that I was loaned anything of value. They have continued to harass me by attempting to illegally sell my property which they have no claimed rights to as they can not verify the validity of the <em>debt</em>."]},"sort":[10.050772,"7158140"]},{"_index":"complaint-public-v1","_id":"3512505","_score":9.631409,"_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 <em>complaint</em> 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> collection"],"sub_product":["Auto <em>debt</em>"]},"sort":[9.631409,"3512505"]},{"_index":"complaint-public-v1","_id":"3512357","_score":9.631409,"_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 <em>complaint</em> 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> collection"],"sub_product":["Auto <em>debt</em>"],"company_public_response":["Company disputes the facts presented in the <em>complaint</em>"]},"sort":[9.631409,"3512357"]},{"_index":"complaint-public-v1","_id":"4296022","_score":9.33028,"_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 may contact me in the timely manner via receipt of this <em>complaint</em>. 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 <em>point</em>, 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."]},"sort":[9.33028,"4296022"]},{"_index":"complaint-public-v1","_id":"4296019","_score":9.309333,"_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 may contact me in the timely manner via receipt of this <em>complaint</em>. 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 <em>point</em>, 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."]},"sort":[9.309333,"4296019"]},{"_index":"complaint-public-v1","_id":"5332069","_score":9.044788,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This complaint is regarding EQUIFAX infringement of reporting as well as investigation I have sent FTC complaint as well as CFPB complaint after complaint. sent letter and violation after violation at this point, I feel as though it is my race, and my current reporting status as is shows on their report benefits them for me to be on the lower average of consumer reporting ( DISCRIMINATION ). I have a fraud alert on their CRA reporting platform and yet still the refuse to remove DEFAMATION of information from reporting platform. i feel as though information and proof has been providing, they do not take my rights to the highest regards. This agency as well as companies helping in my DEFAMATION OF CHARCATER dispute/status. They were to notify me within 5 days prior and I WAS NOT. As the original creditor, ONLY I can validate the alleged debt that they are trying to tack to my file and report. They have taken their platforms to bury me with stress and unjust acts when cause me pain and suffering refusal of having my own things in need to help my family prosper and be above average in the world thats already set for me to fail as a single working-class mother trying to make sure we are not a part of welfare in environment. which i believe this CRA as well as companies would enjoy seeing me suffer as a woman of XXXX and single trying to provide for my children and build a family of integrity which EQUIFAX lacks integrity. they have used their E-Oscar and generic response to my disputes as a consumer to be unjust. They also are a part of my breach of information per there most recent breach that cause me to have my private information to be plastered in placed they were not supposed to be which improper people and scammers could use my information at the cost of EQUIFAX. EQUIFAX has broken the law several times as well as help me be violated by several companies. These following accounts must be deleted.at once. failure to respond with demanded deletions with a free report or updated changes will proceed with actions against CRA EQUIFAX for VIOLATIONS THEY UPHOLD AND INFLICKED AGAINST ME AND MY CHILDREN. STOP VIOLATION MY RIGHTS AND OKAYING COMPANIES TO VIOLATE MY RIGHTS. THIS IS A FORM OD CONSUMER MOLESTATIONS.THEY CLAIM TO HAVE VERIFIED INFOMATION IS A LIE BECAUSE XXXX AND XXXX REMOVED INFORMATION BECAUSE IT COULDNT BE VERIFIED. THE 2 OUT OF 3 REPORTS MATCH AND EQUIFAX IS THE ONE WITH ALL THE INACCURACCIES.\n\nAs well as accounts with a late report per law shouldnt have any late payments when account have a exsisting finance charge.\n\n15 U.S. Code 1605 - Determination of finance charge : Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. REMOVE INACCURATE LATE REPORTING PAYMENTS UPDATE AS PAYED AS AGREED!!! -- - WHAT EQUIFAX IS SAYING VERIFIED IS A BILLING ERROR ( LAWS TO REFRENCE ) 15 U.S. Code 1681b - Permissible purposes of consumer reports : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n15 U.S. Code 1666b - Timing of payments- ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.\n\n15 U.S. Code 1666b - Timing of payments ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.\n\n( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.","date_sent_to_company":"2022-03-17T00:43:45.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76011","tags":null,"has_narrative":true,"complaint_id":"5332069","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-03-16T22:18:17.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This <em>complaint</em> is regarding EQUIFAX infringement of reporting as well as investigation I have sent FTC <em>complaint</em> as well as CFPB <em>complaint</em> after <em>complaint</em>. sent letter and violation after violation at this <em>point</em>, I feel as though it is my race, and my current reporting status as is shows on their report benefits them for me to be on the lower average of consumer reporting ( DISCRIMINATION )."]},"sort":[9.044788,"5332069"]},{"_index":"complaint-public-v1","_id":"2954789","_score":9.044445,"_source":{"product":"Debt collection","complaint_what_happened":"I am being sued by The Law Offices of Michael and Associates, PC on behalf of their client XXXX XXXX. Our last agreement was that I would pay XXXX a month, which was deducted out of my checking account. In XX/XX/XXXX their representative XXXX XXXX notified me that XXXX XXXX would no longer accept XXXX a month and that a court date of XX/XX/XXXX Case No. XXXX at XXXX  had been set. I went the day before to make sure I new where I was going and that I would be on time. The department on the notice didn't exist, so while at the court house I called and spoke to XXXX XXXX and after much discussion he told me \" it was not on the docket '' and had been vacated. I sent an email which I will attach that said Thank you and that I would wait to hear from him either by mail or phone for the next court date so that I could attend. Apparently The Law Offices of Michael and Associates went to court XX/XX/XXXX and received a court order against me for XXXX. I only found out about this because Monday XX/XX/XXXX I went to use my ATM card and all my funds had been put on hold due to the court order. I WAS NEVER NOTIFIED OF A XX/XX/XXXX COURT DATE. I still CAN NOT access my money. I have two daughter ages XXXX  and XXXX and I was not able to feed them. We were at the store checking out, when I was informed my money was on hold. I have since spoken with XXXX from Michael and Associates and he said their client XXXX XXXX will not accept XXXX a month, they wanted XXXX. We live paycheck to paycheck. My husband was out of work for a year and a half back in XX/XX/XXXX. We withdrew XXXX from my 401K to make the first XXXX   payment to XXXX. We had to sell our home after living on our 401K for the year and then had to pay XXXX in penalties and taxes. I would like to see in writing the proof of delivery for the court date in XX/XX/XXXX. If I had known about it, I would have been there. I have never disputed this is my debt, and was always willing to pay the XXXX a month. I was told last year from XXXX XXXX that his client XXXX XXXX could no longer accept payment from me. I have not seen a court order, I would like to see in writing where XXXX XXXX said it would no longer accept XXXX a month, I feel that the Law Offices of Michael and Associates have acted illegally and have been deceitful. No matter how much I have begged, pleaded and cried there has been no consideration of the circumstances. My hands are now tied. I can't pay XXXX or any other bill due to the hold on my Bank Account at XXXX. I need help with this matter. It has been agreed that I will now pay XXXX a month, which could have easily been agreed upon without a court order or holding my bank account hostage. I would like XXXX XXXX and the Law Offices of Michael and Associates investigated for the way they have handled this situation. I have yet to receive anything in writing from Michael and Associates. They have my address, my email address, and my phone number, nothing has changed. There is absolutely no reason that I wasn't informed of the XX/XX/XXXX court date other than they didn't want me to attend. I would also like to know how to file a complaint with the XXXX XXXX. The actions of Michael and Associates has caused harm, stress, pain and a hardship for my family. My credit has taken a big hit due to the \" charge off '' amounts from XXXX XXXX, so I am not even sure what is owed at this point. I would like an accounting of every dime I have paid. They are also now charging me court costs on top of my debt. Forgot to mention that I have a voicemail from XX/XX/XXXX from XXXX  at Michael and Associates, no where is it mentioned that a court order was put in place and that my funds would be placed on hold. I WAS NEVER NOTIFIED OF ANY ACTION BEING TAKEN! That is not right.","date_sent_to_company":"2018-07-05T21:47:03.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Credit card debt","zip_code":"94579","tags":null,"has_narrative":true,"complaint_id":"2954789","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Michael & Associates, PC","date_received":"2018-07-05T20:27:13.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Sued you without properly notifying you of lawsuit"},"highlight":{"complaint_what_happened":["I would also like to know how to file a <em>complaint</em> with the XXXX XXXX. The actions of Michael and Associates has caused harm, stress, <em>pain</em> and a hardship for my family. My credit has taken a big hit due to the \" charge off '' amounts from XXXX XXXX, so I am not even sure what is owed at this <em>point</em>. I would like an accounting of every dime I have paid. They are also now charging me court costs on top of my <em>debt</em>."],"product":["<em>Debt</em> collection"],"sub_product":["Credit card <em>debt</em>"]},"sort":[9.044445,"2954789"]},{"_index":"complaint-public-v1","_id":"5060440","_score":8.913404,"_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 <em>complaint</em>, 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> collection"],"sub_product":["Auto <em>debt</em>"]},"sort":[8.913404,"5060440"]},{"_index":"complaint-public-v1","_id":"3821133","_score":8.853727,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have suffered actual damages in the form of emotional and mental pain and anguish, stress, humiliation, embarrassment, anxiety and nervousness, from the actions or lack of actions, of Experian, XXXX, XXXX, XXXX XXXX, XXXX ( Hereafter The Credit Reporting Agencies ) and will continue to suffer the same for an indefinite time in the future, all to my great detriment and loss. \n\nAs a result of The Credit Reporting Agencies conduct, I have suffered actual damages in the form of injury to credit rating and reputation, and a decreased credit score, and I will continue to suffer the same for an indefinite time in the future, all to my great detriment and loss.\n\nAt all times hereto, The Credit Reporting Agencies is a person associate employed by the consumer reporting agencies, and consumer reporting agency as those terms are defined by 15 U.S.C. 1681a ( b ) and ( f ).\n\nAt all times pertinent hereto, I am a consumer as that term is defined by 15 U.S.C. 1681a ( c ).\n\nAt all times pertinent hereto, the below-mentioned credit were consumer reports as that term is defined by 15 U.S.C. 1681a ( d ).\n\nPursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, Credit Reporting Agency is liable to me as a consumer for engaging in the following conduct : 1 ) Reporting aged debts, as new in 2020 on my credit file. \nXXXX XXXX outgoing communication requesting debt validation, of a reported error on my credit file, without California residents consent to solicit any creditor for my information or proof of what is being reported. The Credit agencies do not have my consent to solicit information from anyone on me.\n\n3 ) In all past reports submitted to the Credit Reporting Agencies, via consumer protection port the credit reporting agencies sent a request to the creditor reporting wrong information, asking for the creditor to respond. This was done without my consent. I did not give consent nor imply consent to send out a request to a third party to request my personal information or the derogatory account being falsely reported. \n\n\nFirstly, I am a California resident, and live in a state protected by its own constitution and privacy laws. I hereby revoke any and all permissions of XXXX, XXXX, and Experian, together with XXXX XXXX, XXXX to sell my derogatory information, or supply my derogatory information to third party banks. Moreover, let it be noted hereto [ a ] ny new debt, reported on my credit in 2020 or credit pull, I have not agreed to, nor applied for. I have no new debt. The resent 2020 addition of an alleged new debt to my credit file is unlawful, false and misleading. I do not give XXXX, Experian, or XXXX or any associated entities my consent, to communicate with the creditor falsely reporting the alleged new debt in 2020. \nFor Experian to communicate with any third party regarding the validity of the reported debt will be a violation of California privacy, laws. A cursory review of my credit file will show the debt has been on my credit file for longer than 7 years, and thus even under the circumstance of the debt being sold or transferred to another LLC, the LLC holding the old debt can't report a debt as new. \n\nThis complaint asserts, XXXX, Experian, or XXXX is in perceived potential violation of the Fair Credit Reporting Act ( hereafter the FCRA ), 15 U.S.C. 1681 and reporting misleading and false derogatory and inaccurate statements and information relating to myself, and credit history to third parties. Due to XXXX, Experian, or XXXX ( hereafter the Credit Reporting Agencies ) faulty procedures, the credit worthiness is impacted.\n\nA very good parallel case of Credit Reporting Agencies faulty procedures has emerged in the new 2020 class action lawsuit filed ref ; Sass et al. v. Great Lakes. In the current class action, It is alleged, Experian, XXXX and XXXX has illegally damaged the credit, of Millions of student loan Borrowers by reporting inaccurate information on consumers credit, passed onto the Credit Reporting Agencies by creditors. The complaint alleges 8 million federal student loan lenders mishandled the implementation COVID-19 relief by illegally providing inaccurate information about millions of its customers to XXXX, XXXX, and Experian, each CREDIT REPORTING AGENCY of which in turn HAS illegally reported this information. Damaging the credit of millions of people. Further, each of these companies, in their capacities as the joint owners of XXXX XXXX, XXXX, which was also named in the complaint, treated this inaccurate information as derogatory and sold borrowers improperly damaged credit scores to third parties. \n\nI hereby file formal notice, to the Credit Reporting Agencies, for the purpose of recorded evidence, too. And the use of this in a potential future lawsuit, and I elect by free will to allow the Consumer Protection Bure to make this document public, and allow the plaintiff in the current lawsuit Sass et al. v. Great Lakes the right to use this complaint as evidence to support the exsiting 2020 class action lawsuit alleging \" Faulty Practices '' of the Credit reporting agencies. The Credit Reporting Agencies have been notified, by me as an individual, the reporting of new debt on my credit report in 2020 is not true, and inaccurate. Keeping it on my credit past XX/XX/2020 is inappropriate. \n\nMoreover, allowing for a new entity, to report an old debt as new is alleged to be a lack of due diligence. This illuminates simmilar faulty practices the Credit Reporting Agencies are currently in a class action lawsuit on. In the lawsuit, it is alleged the student lenders passed the derogatory information onto the credit reporting agencies ( COVID-19 laws did not allow for ) and the Credit Reporting Agencies are alleged to have just gone ahead and reported it, on public record, of millions of people, without validating the lenders ' accuracy. A key point of the currnet lawsuit, iscredit reporting agencies are alleged to have not conducted due dalliance to validate if the lenders were being compliant with the law and new COVID-19 laws in particular, reporting unpaid student loans during COVID-19. \n\nThe fair credit reporting act, does not allow for the reporting of a debt more than a statute f limitations on the credit report. In 2020 there is a new debt on my credit. A simple cursory review of my credit report will reveal is report for more than 7 years. The Credit agencies has failed to pick up the debt has been sold to another company, and there is no evidence to show it was lawfully sold to the new entity wrongfully reporting the debt as new. It is clear that this is the same debt, that has been reported for years. The current 2020 lawsuit this, has very close parallel circumstances to my credit file and the Credit Reporting Agencies Faulty practices.\n\nThe Credit reporting agencies protocol when receiving this letter is to send out a letter to the creditor falsely reporting my information, to verify the information. However, I do not give The Credit Reporting Agencies my permission or consent to communicate to a third party or request information on me. To do so is a violation of the California privacy laws. \n\nWhen I advise The Credit Reporting Agencies the information being reported is inaccurate, I consider it a mental torment, and harassment that instead of removing the offending and misleading data, the Credit reporting Agencies send a request to the creditor alleged to be reporting the wrong information, requesting the creditor to validate the information on my credit file. Who gave the credit reporting agencies consent to request information on me from a 3rd party? I do not. It seems again, faulty practices and processes. \n\nI hereby demand the credit reporting agencies remove immediately, the derogatory information on my credit report. \n\n1 ) XXXX XXXX, and any other entities the debt appear in, including but not limeted to XXXX XXXX XXXX XXXX XXXX and the new 2020 entity created displaying the old XXXX XXXX debt. \n\n2 ) XXXX XXXX 3 ) XXXX.","date_sent_to_company":"2020-08-29T07:17:46.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91101","tags":null,"has_narrative":true,"complaint_id":"3821133","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-08-29T06:55:48.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The <em>complaint</em> alleges 8 million federal student loan lenders mishandled the implementation COVID-19 relief by illegally providing inaccurate information <em>about</em> millions of its customers to XXXX, XXXX, and Experian, each CREDIT REPORTING AGENCY of which in turn HAS illegally reported this information. Damaging the credit of millions of people."]},"sort":[8.853727,"3821133"]},{"_index":"complaint-public-v1","_id":"3821140","_score":8.832381,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have suffered actual damages in the form of emotional and mental pain and anguish, stress, humiliation, embarrassment, anxiety and nervousness, from the actions or lack of actions, of XXXX, Equifax, XXXX, XXXX XXXX, XXXX ( Hereafter The Credit Reporting Agencies ) and will continue to suffer the same for an indefinite time in the future, all to my great detriment and loss. \n\nAs a result of The Credit Reporting Agencies conduct, I have suffered actual damages in the form of injury to credit rating and reputation, and a decreased credit score, and I will continue to suffer the same for an indefinite time in the future, all to my great detriment and loss.\n\nAt all times hereto, The Credit Reporting Agencies is a person associate employed by the consumer reporting agencies, and consumer reporting agency as those terms are defined by 15 U.S.C. 1681a ( b ) and ( f ).\n\nAt all times pertinent hereto, I am a consumer as that term is defined by 15 U.S.C. 1681a ( c ). \nAt all times pertinent hereto, the below-mentioned credit were consumer reports as that term is defined by 15 U.S.C. 1681a ( d ).\n\nPursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, Credit Reporting Agency is liable to me as a consumer for engaging in the following conduct : 1 ) Reporting aged debts, as new in 2020 on my credit file.\n\n2 ) outgoing communication requesting debt validation, of a reported  error on my credit file, without California residents consent to solicit any creditor for my information or proof of what is being reported. The Credit agencies do not have my consent to solicit information from anyone on me.\n\n3 ) In all past reports submitted to the Credit Reporting Agencies, via consumer protection port the credit reporting agencies sent a request to the creditor reporting wrong information, asking for the creditor to respond. This was done without my consent. I did not give consent nor imply consent to send out a request to a third party to request my personal information or the derogatory account being falsely reported. \n\n\nFirstly, I am a California resident, and live in a state protected by its own constitution and privacy laws. I hereby revoke any and all permissions of Equifax, XXXX, and XXXX, together with XXXX XXXX, XXXX to sell my derogatory information, or supply my derogatory information to third party banks. Moreover, let it be noted hereto [ a ] ny new debt, reported on my credit in 2020 or credit pull, I have not agreed to, nor applied for. I have no new debt. The resent 2020 addition of an alleged new debt to my credit file is unlawful, false and misleading. I do not give Equifax, XXXX, or XXXX or any associated entities my consent, to communicate with the creditor falsely reporting the alleged new debt in 2020. \nFor XXXX to communicate with any third party regarding the validity of the reported debt will be a violation of California privacy, laws. A cursory review of my credit file will show the debt has been on my credit file for longer than 7 years, and thus even under the circumstance of the debt being sold or transferred to another LLC, the LLC holding the old debt can't report a debt as new.\n\nThis complaint asserts, Equifax, XXXX, or XXXX is in perceived potential violation of the Fair Credit Reporting Act ( hereafter the FCRA ), 15 U.S.C. 1681 and reporting misleading and  false derogatory and inaccurate statements and information relating to myself, and credit history to third parties. Due to Equifax, XXXX, or XXXX ( hereafter the Credit Reporting Agencies ) faulty  procedures, the credit worthiness is impacted.\n\nA very good parallel case of Credit Reporting Agencies faulty procedures has emerged in the new 2020 class action lawsuit filed ref ; Sass et al. v. Great Lakes. In the current class action, It is alleged, XXXX, Equifax and XXXX has illegally damaged the credit, of Millions of student loan Borrowers by reporting inaccurate information on consumers credit, passed onto the Credit Reporting Agencies by creditors. The complaint alleges 8 million federal student loan lenders mishandled the implementation COVID-19 relief by illegally providing inaccurate information about millions of its customers to Equifax, XXXX, and XXXX, each CREDIT REPORTING AGENCY of which in turn HAS illegally reported this information. Damaging the credit of millions of people. Further, each of these companies, in their capacities as the joint owners of XXXX XXXX, XXXX, which was also named in the complaint, treated this inaccurate information as derogatory and sold borrowers improperly damaged credit scores to third parties. \n\nI hereby file formal notice, to the Credit Reporting Agencies, for the purpose of recorded evidence, too. And the use of this in a potential future lawsuit, and I elect by free will to allow the Consumer Protection Bure to make this document public, and allow the plaintiff in the current lawsuit Sass et al. v. Great Lakes the right to use this complaint as evidence to support the exsiting 2020 class action lawsuit alleging \" Faulty Practices '' of the Credit reporting agencies. The Credit Reporting Agencies have been notified, by me as an individual, the reporting of new debt on my credit report in 2020 is not true, and inaccurate. Keeping it on my credit past XX/XX/2020 is inappropriate. \n\nMoreover, allowing for a new entity, to report an old debt as new is alleged to be a lack of due diligence. This illuminates simmilar faulty practices the Credit Reporting Agencies are currently in a class action lawsuit on. In the lawsuit, it is alleged the student lenders passed the derogatory information onto the credit reporting agencies ( COVID-19 laws did not allow for ) and the Credit Reporting Agencies are alleged to have just gone ahead and reported it, on public record, of millions of people, without validating the lenders ' accuracy. A key point of the currnet lawsuit, iscredit reporting agencies are alleged to have not conducted due dalliance to validate if the lenders were being compliant with the law and new COVID-19 laws in particular, reporting unpaid student loans during COVID-19. \n\nThe fair credit reporting act, does not allow for the reporting of a debt more than a statute f limitations on the credit report. In 2020 there is a new debt on my credit. A simple cursory review of my credit report will reveal is report for more than 7 years. The Credit agencies has failed to pick up the debt has been sold to another company, and there is no evidence to show it was lawfully sold to the new entity wrongfully reporting the debt as new. It is clear that this is the same debt, that has been reported for years. The current 2020 lawsuit this, has very close parallel circumstances to my credit file and the Credit Reporting Agencies Faulty practices. \n\nThe Credit reporting agencies protocol when receiving this letter is to send out a letter to the creditor falsely reporting my information, to verify the information. However, I do not give The Credit Reporting Agencies my permission or consent to communicate to a third party or request information on me. To do so is a violation of the California privacy laws. \n\nWhen I advise The Credit Reporting Agencies the information being reported is inaccurate, I consider it a mental torment, and harassment that instead of removing the offending and misleading data, the Credit reporting Agencies send a request to the creditor alleged to be reporting the wrong information, requesting the creditor to validate the information on my credit file. Who gave the credit reporting agencies consent to request information on me from a 3rd party? I do not. It seems again, faulty practices and processes. \n\nI hereby demand the credit reporting agencies remove immediately, the derogatory information on my credit report. \n\n1 ) XXXX XXXX, and any other entities the debt appear in, including but not limeted to XXXX XXXX XXXX XXXX XXXX and the new 2020 entity created displaying the old XXXX XXXX debt. \n\n2 ) XXXX XXXX 3 ) XXXX.","date_sent_to_company":"2020-08-29T07:17:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91101","tags":null,"has_narrative":true,"complaint_id":"3821140","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2020-08-29T07:17:51.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The <em>complaint</em> alleges 8 million federal student loan lenders mishandled the implementation COVID-19 relief by illegally providing inaccurate information <em>about</em> millions of its customers to Equifax, XXXX, and XXXX, each CREDIT REPORTING AGENCY of which in turn HAS illegally reported this information. Damaging the credit of millions of people."]},"sort":[8.832381,"3821140"]},{"_index":"complaint-public-v1","_id":"3821217","_score":8.827292,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have suffered actual damages in the form of emotional and mental pain and anguish, stress, humiliation, embarrassment, anxiety and nervousness, from the actions or lack of actions, of XXXX, XXXX, TransUnion, XXXX XXXX, XXXX ( Hereafter The Credit Reporting Agencies ) and will continue to suffer the same for an indefinite time in the future, all to my great detriment and loss. \n\nAs a result of The Credit Reporting Agencies conduct, I have suffered actual damages in the form of injury to credit rating and reputation, and a decreased credit score, and I will continue to suffer the same for an indefinite time in the future, all to my great detriment and loss.\n\nAt all times hereto, The Credit Reporting Agencies is a person associate employed by the consumer reporting agencies, and consumer reporting agency as those terms are defined by 15 U.S.C. 1681a ( b ) and ( f ). \nAt all times pertinent hereto, I am a consumer as that term is defined by 15 U.S.C. 1681a ( c ).\n\nAt all times pertinent hereto, the below-mentioned credit were consumer reports as that term is defined by 15 U.S.C. 1681a ( d ).\n\nPursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, Credit Reporting Agency is liable to me as a consumer for engaging in the following conduct : 1 ) Reporting aged debts, as new in 2020 on my credit file.\n\n2 ) outgoing communication requesting debt validation, of a reported  error on my credit file, without California residents consent to solicit any creditor for my information or proof of what is being reported. The Credit agencies do not have my consent to solicit information from anyone on me.\n\n3 ) In all past reports submitted to the Credit Reporting Agencies, via  consumer protection port the credit reporting agencies sent a request to the creditor reporting wrong information, asking for the creditor to respond. This was done without my consent. I did not give consent nor imply consent to send out a request to a third party to request my personal information or the derogatory account being falsely reported. \n\n\nFirstly, I am a California resident, and live in a state protected by its own constitution and privacy laws. I hereby revoke any and all permissions of XXXX, TransUnion, and XXXX, together with XXXX XXXX, XXXX to sell my derogatory information, or supply my derogatory information to third party banks. Moreover, let it be noted hereto [ a ] ny new debt, reported on my credit in 2020 or credit pull, I have not agreed to, nor applied for. I have no new debt. The resent 2020 addition of an alleged new debt to my credit file is unlawful, false and misleading. I do not give XXXX, XXXX, or TransUnion or any associated entities my consent, to communicate with the creditor falsely reporting the alleged new debt in 2020. \nFor XXXX to communicate with any third party regarding the validity of the reported debt will be a violation of California privacy, laws. A cursory review of my credit file will show the debt has been on my credit file for longer than 7 years, and thus even under the circumstance of the debt being sold or transferred to another LLC, the LLC holding the old debt can't report a debt as new. \n\nThis complaint asserts, XXXX, XXXX, or TransUnion is in perceived potential violation of the Fair Credit Reporting Act ( hereafter the FCRA ), 15 U.S.C. 1681 and reporting misleading and false derogatory and inaccurate statements and information relating to myself, and credit history to third parties. Due to XXXX, XXXX, or TransUnion ( hereafter the Credit Reporting Agencies ) faulty procedures, the credit worthiness is impacted.\n\nA very good parallel case of Credit Reporting Agencies faulty  procedures has emerged in the new 2020 class action lawsuit filed ref ; Sass et al. v. Great Lakes. In the current class action, It is alleged, XXXX, XXXX and TransUnion has illegally damaged the credit, of Millions of student loan Borrowers by reporting inaccurate information on consumers credit, passed onto the Credit Reporting Agencies by creditors. The complaint alleges 8 million federal student loan lenders mishandled the implementation COVID-19 relief by illegally providing inaccurate information about millions of its customers to XXXX, TransUnion, and XXXX, each CREDIT REPORTING AGENCY of which in turn HAS illegally reported this information. Damaging the credit of millions of people. Further, each of these companies, in their capacities as the joint owners of XXXX XXXX, XXXX, which was also named in the complaint, treated this inaccurate information as derogatory and sold borrowers improperly damaged credit scores to third parties.\n\nI hereby file formal notice, to the Credit Reporting Agencies, for the purpose of recorded evidence, too. And the use of this in a potential future lawsuit, and I elect by free will to allow the Consumer Protection Bure to make this document public, and allow the plaintiff in the current lawsuit Sass et al. v. Great Lakes the right to use this complaint as evidence to support the exsiting 2020 class action lawsuit alleging \" Faulty Practices '' of the Credit reporting agencies. The Credit Reporting Agencies have been notified, by me as an individual, the reporting of new debt on my credit report in 2020 is not true, and inaccurate. Keeping it on my credit past XX/XX/2020 is inappropriate. \n\nMoreover, allowing for a new entity, to report an old debt as new is alleged to be a lack of due diligence. This illuminates simmilar faulty practices the Credit Reporting Agencies are currently in a class action lawsuit on. In the lawsuit, it is alleged the student lenders passed the derogatory information onto the credit reporting agencies ( COVID-19 laws did not allow for ) and the Credit Reporting Agencies are alleged to have just gone ahead and reported it, on public record, of millions of people, without validating the lenders ' accuracy. A key point of the currnet lawsuit, iscredit reporting agencies are alleged to have not conducted due dalliance to validate if the lenders were being compliant with the law and new COVID-19 laws in particular, reporting unpaid student loans during COVID-19.\n\nThe fair credit reporting act, does not allow for the reporting of a debt more than a statute f limitations on the credit report. In 2020 there is a new debt on my credit. A simple cursory review of my credit report will reveal is report for more than 7 years. The Credit agencies has failed to pick up the debt has been sold to another company, and there is no evidence to show it was lawfully sold to the new entity wrongfully reporting the debt as new. It is clear that this is the same debt, that has been reported for years. The current 2020 lawsuit this, has very close parallel circumstances to my credit file and the Credit Reporting Agencies Faulty practices.\n\nThe Credit reporting agencies protocol when receiving this letter is to send out a letter to the creditor falsely reporting my information, to verify the information. However, I do not give The Credit Reporting Agencies my permission or consent to communicate to a third party or request information on me. To do so is a violation of the California privacy laws. \n\nWhen I advise The Credit Reporting Agencies the information being reported is inaccurate, I consider it a mental torment, and harassment that instead of removing the offending and misleading data, the Credit reporting Agencies send a request to the creditor alleged to be reporting the wrong information, requesting the creditor to validate the information on my credit file. Who gave the credit reporting agencies consent to request information on me from a 3rd party? I do not. It seems again, faulty practices and processes. \n\nI hereby demand the credit reporting agencies remove immediately, the derogatory information on my credit report. \n\n1 ) XXXX XXXX, and any other entities the debt appear in, including but not limeted to XXXX XXXX XXXX XXXX XXXX and the new 2020 entity created displaying the old XXXX XXXX debt. \n\n2 ) XXXX XXXX 3 ) XXXX.","date_sent_to_company":"2020-08-29T07:17:55.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91101","tags":null,"has_narrative":true,"complaint_id":"3821217","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-08-29T07:17:51.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The <em>complaint</em> alleges 8 million federal student loan lenders mishandled the implementation COVID-19 relief by illegally providing inaccurate information <em>about</em> millions of its customers to XXXX, TransUnion, and XXXX, each CREDIT REPORTING AGENCY of which in turn HAS illegally reported this information. Damaging the credit of millions of people."]},"sort":[8.827292,"3821217"]},{"_index":"complaint-public-v1","_id":"3331357","_score":8.462181,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/2019, my XXXX representative, XXXX XXXX, and I spoke with XXXX XXXX with BSI Financial, regarding my loan modification file that was submitted to them about a week prior to our phone call. \nUpon us speaking with XXXX, she informed us she received the request but, how she feels it's not going to be approved. \nMy XXXX representative advised her that it's not your place to say whether or not it's going to be denied, will you go ahead and just submit it. After being advised of such, XXXX once again repeated how she feels it's not going to be approved and stated that the reason will be because I just had a modification and I need to look into lowering my home owners insurance and have my property taxes audited. \nShe also stated how she pays XXXX XXXX or whatever dollar amount for her homeowners insurance there in California and that I need to find something cheaper to help with getting my escrow out of the negative and again, because of that, they're not going to approve it. \nMy XXXX rep. responded to XXXX reminding her how things happen in life and 4 years ago and should not be considered as a \" just '' moment. I also pointed out to XXXX that my last modification was about four years ago. After hearing XXXX condescendingly repeat those words to me, I frustratingly told her, my situation have changed dramatically since then and that she doesn't have to keep repeating, \" they're not going to do it '' and not be so rude in how she's speaking to me. \nI did included in my hardship letter the reason I fell behind was due to a bad car accident I  was in two years ago, where to date, I'm still missing days from work, as a result of, the pain I'm still in. The accident resulted in me having XXXX XXXX, XXXX XXXX, XXXX, and a XXXX XXXX in my neck. After hearing and feeling XXXX 's negative advise and her rude repetitive deliverance of her choice of words, I decided at that point I don't want to speak with her or even have her handle my file. \nFinally after the back & forth between us all, XXXX said she's going to submit the file. After hanging up with XXXX, XXXX, with XXXX advised that I call BSI Financial and ask that they assign someone else to my file. \nI took XXXX 's advise and called BSI the next day. \nUnfortunately, I didn't write down the person that answered my call which was a big mistake and I regret tremendously because, this person was no better with his attitude than XXXX. \nUpon verifying my info, after inputting it with their automated service, I was asked to do so verbally by this person and he got upset with me for asking, why do you guys have the automated system ask you all these questions, if you reps. are going to do so too? His reply was so nasty. He replied, \" well mam, I'm trying to help you ''! I instantly replied by asking him, \" Why are you guys so rude and nasty there ''? Then I asked for a manager over XXXX XXXX. His reply, I am one of the managers over XXXX, what's the problem? \nAgainst my frustration, I did explain how I wanted to request for someone else to handle my file besides XXXX, due to how short, condescending, and the impression of I was bothering her to do her job. He replied by saying, well, your file was denied, I'm looking at it right now. It was denied by the investors, due to debt to ratio. \nI just got quiet and told him, \" I've never dealt with such a rude company in my life ever '' and I just hung up. I hung up because, in that moment, I was in tears and felt so judged, defeated, and hopeless. Yet, just yesterday, XX/XX/19, I received a letter from them saying, that my file is being reviewed and now, I'm so confused. I just wanted to make this complaint in an effort to help the next person not to have to experience what I did because, it hurts to be treated that way and it's not right.","date_sent_to_company":"2019-08-06T19:26:02.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"30157","tags":"Servicemember","has_narrative":true,"complaint_id":"3331357","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Servis One, Inc., Titusville, PA Branch","date_received":"2019-08-06T18:08:47.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["I just wanted to make this <em>complaint</em> in an effort to help the next person not to have to experience what I did because, it hurts to be treated that way and it's not right."]},"sort":[8.462181,"3331357"]},{"_index":"complaint-public-v1","_id":"10368953","_score":8.23299,"_source":{"product":"Debt collection","complaint_what_happened":"CONSIDER THIS A FORMAL COMPLAINT REGARDING THE UNAUTHORIZED SALE OF MY INFORMATION TO A THIRD PARTY BY SALLIE MAE WHICH DIRECTLY CONTRAVENES 15 USC 1666b. \n\nI am so XXXX off that I have to sit here and take time out of my day to write this complaint. I learned that Sallie Mae has given not only my personal information as well as financial information to a third party. XXXX, XXXX & XXXX continuously calls my phone, my fathers phone and his ex wife. This is absolutely ridiculous over a something that I do not owe. I am so tired of the harassment, anxiety, panic, mental anguish, and trauma to my family dynamic that this has caused. This debt has been discharged and all documents pertaining to the discharge have been requested from the original creditor they claim to be Sallie Mae. \n\nI have not had an account with Sallie Mae since XXXX and Sallie Mae along with their debt collectors continue to harass me and my loved ones. Sallie mae was given a revocation of power of attorney both verbally and in writing certified mail. Verbal revocation was given on XX/XX/XXXX as well as written notice to follow up on XXXX XXXX where they claimed there was no power of attorney on file playing stupid like they dont understand what the XXXX revocation of power of attorney means. Please see attached letter. They then proceeded to share my information with a third party who clearly doesnt understand that I know my rights and they have no business contacting me. Who gave you permission or consent to take my name and commit securities fraud along with your trash partner Sallie Mae? Where Is the proof of assignment because I did not contract with XXXX XXXX XXXX I or their kangaroo court partners XXXX, XXXX XXXX XXXX. After reading the XXXX, XXXX, and prospectus they are furnishing these applications as receivables and NOT fully disclosing that I am an investor in their company. Who gave you all consent to sell my information on the stock market and to your investors for profit? Where is my portion of the money? You all blatantly state that you are moving forward with providing great loan options to students. Only to turn around and extort them not only be selling contracts for stock market options buyers, share holders and who knows what else. I WANT THIS XXXX SHUT DOWN!!!! When was I told that I would be doing business with XXXX bank and many others?? NEVER! CUT THE GAMES Where is the contract with my wet ink signature that I requested from both parties? They keep playing XXXX and sending computer generated applications with an online signature that I do not remember signing. Where is the original application? If Sallie Mae was the servicer who is the bank that they sold the security to that they did not give full disclosure of? They have completely violated me and my trust 15USC1666b. I am completely worried and anxious about the privacy and compliance from Sallie mae. This has not only breached trust as well as FEDERAL LAW. I would also like to point out 31 USC 3718 as well as18 USC 8. Who the XXXX is obligated to pay because it XXXX sure isnt me! Which is why as mentioned in Sallie Maes validation paper work This is furnished by an open ended credit plan. Well from my understanding as used in 1666f payment by use of check, draft or negotiable which results from debiting of an open ended credit plan or a credit card holders account shall not be considered payment. This was a debit. So where the XXXX does it say pay? \n\nThey are operating as if they are not already under fire due to their extortionate, predatory and defamatory tactics proven in recent court proceedings. \n- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have also requested pertinent information from the clowns XXXX XXXX XXXX XXXX XXXX XXXX XXXX their partners and they could give me nothing but the same trash packet that Sallie mae gave. Sallie Mae kept calling and I am not sure why. What do we have to talk about? Either you can provide the information or you can't. Where is the information in writing like I requested? \n\nCould you provide me with form SSA89 that confirms you verified the social with the SSA to open an account I needed for personal family household usage?\n\nCould you provide all GLBA disclosures?\n\nCould you provide 1099c if applicable or any other tax forms filed in connection with this account? \nCould you provide the itemization date? \nCould you provide the Proof Required disclosures that were sent? \nCould you provide All account notation and call logs? \nCould you provide copies of documentation sent to the consumer and all reg F applicable disclosures?\n\nCould you provide the date of first delinquency?\n\nCould you provide what executive level officer or board member who retained you? \n\nCause who retained you? I XXXX sure did not and do not with to contract with any of you. Who gave you consent to open new accounts in my name? Where is the XXXX at because I XXXX sure did not sign or authorize for you to use any of my social information. So did you even verify who I was or you slapped my name on something knowing XXXX well I do not owe you or anyone else? Do I need to contact the Comp controller? Because you are completely committing fraud and need to not only stop harassing, calling and sending my elderly father into a frenzy. You have completely torn apart his marriage with your lies and extortionate tactics and I WILL be seeking remedy under 18usc41 and 15USC1611 if this XXXX is not fixed. I am so tired of you all ruining families and feeling like you are above the law. It is time out for the mental games and tyranny placed on the people. There has been no lawful consideration made by any of these companies. Please see Anheuser-Busch Brewing Ass'n v. Mason. Even if I did wish to contract debt collectors are not holders in due course. 1. You stated you bought it by default. Was this not properly filed as income under the US tax codes by your friends Sallie mae? Where are the 1099s to prove it was? 2. Installment sale contracts are not negotiable instruments. So again who owes you? I believe you all need to take this matter up with the bank because this is not a matter between you and I the consumer who would have only used these services for PERSONAL, FAMILY OR HOUSEHOLD USE. IN ARTICLE XXXX IT STATES THAT IS AN ASSIGNEE WHICH WE KNOW YOU TRULY ARE NOT RECEIVES AN INSTRUMENT AFTER DEFULT IT IS NOT IN GOOD FAITH. HMMMM SEEMS LIKE WE HAVE AN ISSUE HERE HUH? \n\nI AM DEMANDING REMEDY AND ONE THAT WILL ALLOW MY FAMILY AND I TO REST AND NOT BE SUSCEPTIBLE TO THE PAIN AND SUFFERING AS WELL AS EXTORTION THAT ALL THREE COMPANIES HAVE PLACED UPON US TO THE POINT THAT MY FATHER HAS LOST HIS MARRIAGE. ENOUGH IS ENOUGH. If this matter is not quickly resolved I will not only have all accounts audited by multiple sources but I will move along to the FTC, SEC and Comp troller. \n\nCFPB please investigate this matter thoroughly as it is ruining my life and mental health.","date_sent_to_company":"2024-10-08T00:51:59.000Z","issue":"Attempts to collect debt not owed","sub_product":"Private student loan debt","zip_code":"46037","tags":null,"has_narrative":true,"complaint_id":"10368953","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2024-10-08T00:51:57.000Z","state":"IN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["I am completely worried and anxious <em>about</em> the privacy and compliance from Sallie mae. This has not only breached trust as well as FEDERAL LAW. I would also like to <em>point</em> out 31 USC 3718 as well as18 USC 8. Who the XXXX is obligated to pay because it XXXX sure isnt me! Which is why as mentioned in Sallie Maes validation paper work This is furnished by an open ended credit plan."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Private student loan <em>debt</em>"],"sub_issue":["<em>Debt</em> was already discharged in bankruptcy and is no longer owed"]},"sort":[8.23299,"10368953"]},{"_index":"complaint-public-v1","_id":"10369313","_score":8.21644,"_source":{"product":"Debt collection","complaint_what_happened":"CONSIDER THIS A FORMAL COMPLAINT REGARDING THE UNAUTHORIZED SALE OF MY INFORMATION TO A THIRD PARTY BY XXXX XXXX WHICH DIRECTLY CONTRAVENES 15 USC 1666b. \n\nI am XXXX XXXX off that I have to sit here and take time out of my day to write this complaint. I learned that XXXX XXXX has given not only my personal information as well as financial information to a third party. XXXXXXXX XXXX XXXX XXXX continuously calls my phone, my fathers phone and his ex wife. This is absolutely ridiculous over a something that I do not owe. I am so tired of the harassmentXXXX XXXX panic, mental anguish, and trauma to my family dynamic that this has caused. This debt has been discharged and all documents pertaining to the discharge have been requested from the original creditor they claim to be XXXX XXXX. \n\nI have not had an account with XXXX XXXX since XXXX and XXXX XXXX along with their debt collectors continue to harass me and my loved ones. XXXX XXXX was given a revocation of power of attorney both verbally and in writing certified mail. Verbal revocation was given on XX/XX/XXXX as well as written notice to follow up on XXXX XXXX where they claimed there was no power of attorney on file playing XXXX  like they dont understand XXXX XXXX XXXX  revocation of power of attorney means. Please see attached letter. They then proceeded to share my information with a third party who clearly doesnt understand that I know my rights and they have no business contacting me. Who gave you permission or consent to take my name and commit securities fraud along with your trash partner XXXX XXXX? Where Is the proof of assignment because I did not contract with Southwood Financial trust I or their XXXX XXXX XXXX XXXX XXXX XXXX XXXX After reading the XXXX, XXXX, and prospectus they are furnishing these applications as receivables and NOT fully disclosing that I am an XXXX  in their company. Who gave you all consent to sell my information on the stock market and to your investors for profit? Where is my portion of the money? You all blatantly state that you are moving forward with providing great loan options to XXXX Only to turn around and extort them not only be selling contracts for stock market options buyers, share holders and who knows what else. I WANT THIS XXXX XXXX XXXX When was I told that I would be doing business with XXXXXXXX XXXX and many others?? NEVER! CUT THE GAMES Where is the contract with my wet ink signature that I requested from both parties? They keep playing XXXX and sending computer generated applications with an online signature that I do not remember signing. Where is the original application? If XXXX XXXX was the servicer who is the bank that they sold the security to that they did not give full disclosure of? They have completely violated me and my trust 15USC1666b. I am completely worried and anxious about the privacy and compliance from XXXX XXXX. This has not only breached trust as well as FEDERAL LAW. I would also like to point out 31 USC 3718 as well as18 USC 8. XXXX XXXX XXXX  is obligated to pay because it XXXXXXXX XXXX isnt me! Which is why as mentioned in XXXX XXXX validation paper work This is furnished by an open ended credit plan. Well from my understanding as used in 1666f payment by use of check, draft or negotiable which results from debiting of an open ended credit plan or a credit card holders account shall not be considered payment. This was a debit. So where XXXX XXXXXXXX does it say pay? \n\nThey are operating as if they are not already under fire due to their extortionate, predatory and defamatory tactics proven in recent court proceedings. \n- https : //www.consumerfinance.gov/XXXX XXXX XXXX XXXX XXXXXXXX I have also requested pertinent information from the XXXX Southwood Financial Trust TWICE as well as their partners and they could give me nothing but the same trash packet that XXXX XXXX gave. XXXX XXXX kept calling and I am not sure why. What do we have to talk about? Either you can provide the information or you can't. Where is the information in writing like I requested? \n\nCould you provide me with form SSA89 that confirms you verified the social with the SSA to open an account I needed for personal family household usage? \nCould you provide all GLBA disclosures? \nCould you provide 1099c if applicable or any other tax forms filed in connection with this account?\n\nCould you provide the itemization date?\n\nCould you provide the Proof Required disclosures that were sent?\n\nCould you provide All account notation and call logs?\n\nCould you provide copies of documentation sent to the consumer and all reg F applicable disclosures?\n\nCould you provide the date of first delinquency? \nCould you provide what executive level officer or board member who retained you? \n\nCause who retained you? I XXXXXXXX XXXX did not and do not with to contract with any of you. Who gave you consent to open new accounts in my name? Where is the SSA89 at because I XXXXXXXX XXXX did not sign or authorize for you to use any of my social information. So did you even verify who I was or you XXXX my name on something knowing XXXX well I do not owe you or anyone else? Do I need to contact the Comp controller? Because you are completely committing fraud and need to not only stop harassing, calling and sending my XXXX  father into a frenzy. You have completely torn apart his marriage with your lies and extortionate tactics and I WILL be seeking remedy under 18usc41 and 15USC1611 if this XXXX is not fixed. I am so tired of you all ruining families and feeling like you are above the law. It is time out for the mental games and tyranny placed on the people. There has been no lawful consideration made by any of these companies. Please see XXXX XXXX XXXX XXXX XXXX. Even if I did wish to contract debt collectors are not holders in due course. 1. You stated you bought it by default. Was this not properly filed as income under the US tax codes by your friends XXXX XXXX Where are the 1099s to prove it was? 2. Installment sale contracts are not negotiable instruments. So again who owes you? I believe you all need to take this matter up with the bank because this is not a matter between you and I the consumer who would have only used these services for PERSONAL, FAMILY OR HOUSEHOLD USE. IN ARTICLE 3 IT STATES THAT IS AN ASSIGNEE WHICH WE KNOW YOU TRULY ARE NOT RECEIVES AN INSTRUMENT AFTER DEFULT IT IS NOT IN GOOD FAITH. HMMMM SEEMS LIKE WE HAVE AN ISSUE HERE HUH? \n\nI AM DEMANDING REMEDY AND ONE THAT WILL ALLOW MY FAMILY AND I TO REST AND NOT BE SUSCEPTIBLE TO THE PAIN AND SUFFERING AS WELL AS EXTORTION THAT ALL THREE COMPANIES HAVE PLACED UPON US TO THE POINT THAT MY FATHER HAS LOST HIS MARRIAGE. ENOUGH IS ENOUGH. If this matter is not quickly resolved I will not only have all accounts audited by multiple sources but I will move along to the FTC, SEC and Comp troller. \n\nCFPB please investigate this matter thoroughly as it is ruining my life and mental health.","date_sent_to_company":"2024-10-08T00:51:47.000Z","issue":"Attempts to collect debt not owed","sub_product":"Private student loan debt","zip_code":"46037","tags":null,"has_narrative":true,"complaint_id":"10369313","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Southwood Financial, LLC.","date_received":"2024-10-08T00:40:00.000Z","state":"IN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["I AM DEMANDING REMEDY AND ONE THAT WILL ALLOW MY FAMILY AND I TO REST AND NOT BE SUSCEPTIBLE TO THE <em>PAIN</em> AND SUFFERING AS WELL AS EXTORTION THAT ALL THREE COMPANIES HAVE PLACED UPON US TO THE <em>POINT</em> THAT MY FATHER HAS LOST HIS MARRIAGE. ENOUGH IS ENOUGH. If this matter is not quickly resolved I will not only have all accounts audited by multiple sources but I will move along to the FTC, SEC and Comp troller."],"product":["<em>Debt</em> collection"],"issue":["Attempts to collect <em>debt</em> not owed"],"sub_product":["Private student loan <em>debt</em>"],"sub_issue":["<em>Debt</em> was already discharged in bankruptcy and is no longer owed"]},"sort":[8.21644,"10369313"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":53,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":53}]}},"product":{"doc_count":53,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":15,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":5},{"key":"Auto debt","doc_count":3},{"key":"Medical debt","doc_count":3},{"key":"Private student loan 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