23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX Department, I am writing to formally notify you that my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ) have been violated in relation to the reporting and handling of my account.

Violation of Privacy ( 15 U.S.C. 1681 Section 602 ) : The FCRA, specifically 15 U.S.C. 1681 Section 602, establishes that consumers have a right to privacy regarding their personal financial information. It is my belief that this right has been infringed upon, as the reporting of my account details has not been handled in a manner consistent with the privacy protections provided under the law.

Improper Furnishing of Information ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish any account information without the consumers explicit written instructions. I did not authorize the sharing or reporting of this account, and I request that any unauthorized furnishing of my account information be addressed immediately.

Violation of Payment Handling ( 15 U.S.C. 1666b ) : According to 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment was made in a timely manner. I believe that my account has been incorrectly reported as having a late payment, despite compliance with the required payment terms. I request that you correct this reporting error as it violates federal law and unfairly impacts my credit report. 

XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I ask that you take immediate action to address these violations by : Removing any inaccurate late payment information from my credit report. 
Ceasing the unauthorized furnishing of my account information. 
Providing written confirmation of the actions taken to correct these violations. 
Failure to address these issues promptly may result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality until 15 USC1681.

15 USC 1681section 602 A states I have he right to privacy.

15 USC 1681 section 604 A 2 states a consumer reporting agency can not furnish an account without my written instructions.

16 USC 1681c. ( a ) ( 5 ) section states : NO consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2018 XXXXdollars XXXX dollars XXXX dollars told them I went into XXXX XXXX XXXX SAID WONT EXCEPT THEM TO NOGOATE WITH THEM KEEP CALLING AND E MAIL ME ITS XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with XXXX XXXX  credit reporting. I have evidence to prove my case! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, requesting to remove the following items : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; that are UNKNOWN to me. I came across this law and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove and block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Please comply with the law and have the disputed items removed as soon as possible.
Product: Credit card

Hello This is XXXX XXXX from XXXX Florida on XX/XX/XXXX. Someone steal my wallet and he made some unauthorized transactions include {$400.00} in cash I lost like {$2400.00} from my credit cards and debit cards and I asked the banks to refund me for that unauthorized transactions. I received {$1000.00} from XXXX XXXX bank, but the VyStar bank is refusing to refund me for {$900.00} I had money in a bank name is Branch and the Branch bank is refusing. To refund me for {$400.00}. I am going to list all the transactions below, but I have enough screenshots and documentations if you need it. 

Unauthorized transactions from VyStar are below XX/XX/2024 XX/XX/2024 XX/XX/2024 {$300.00} XXXXVYSTAR ATM XXXXXXXX {$300.00} VYSTAR ATM XXXX {$300.00} VYSTAR ATM XXXX XXXX ATM XXXX XXXX XXXX XXXX ATM XXXX XXXX XXXX XXXX ATM XXXX XXXX XXXX I have already disputed these transactions, but the VyStar says that how the person knew your pin? 
and I said I dont know how the person knew my pen I have a police report I have a kiss opened with them a dispute transaction kiss Im gon na put the number here if you want to talk to Dam so that makes it easier VyStar dispute transaction number XXXX or XXXX mailto : XXXX The unauthorized transactions from Branch app I are {$200.00} XXXXXXXX XXXX Transaction Posted Posted transactions are final purchases or transfers that have been settled. The details will not change. 
Details XX/XX/2024 @ XXXX XXXX PIN Debit About XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Transaction details may be preliminary or incomplete and may not match the transaction as it appears on your periodic statement, which is the official record of your account activity. 


{$200.00} XXXX XXXX XXXX  Transaction Details XX/XX/2024 @ XXXX XXXX PIN Debit About XXXX XXXX XXXX  I have a dispute kids with them as well Branch Dispute Case # XXXX XXXX I lost like {$2800.00} plz help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Um yes my name is XXXX XXXX and the reason I'm txting is because my credit is lock file is locked I caint use my credit because XXXX  got security freezie locked I caint get a load because XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/year>
Product: Vehicle loan or lease

XX/XX/2019 my recurring payments were stopped without my knowledge and. A result my credit report now shows a missed payment. Once discovering this I made the payment before the next one was due and continued every payment thereafter on time. Im disputing this late payment and would like it removed from my credit history.
Product: Money transfer, virtual currency, or money service

I received a email from PayPal requesting my account be verified by uploading a copy of my id and proof of my address. It also stated that I had changed my address to an address that was not mine. It had me upload a picture ID and then it disappears from the resolution center on the website PayPal.com I have not been able to close the account without resolving the issues listed in the email. I tried calling the support line however it was an automated system that I couldn't get in touch with a live representative and eventually disconnected me from the call. I also reported it to the email listed on their website, XXXX paypal.com
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following hard inquiries that I do not recognize and believe were made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are negatively impacting my credit score and overall creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX was paid completely and the company stated that they would remove it from my credit report. This has been disputed by XXXX, Experian, and XXXX  and they have not removed it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, Equifax received my request to delete an item from my credit report from XXXX XXXX for {$260.00} regarding a medical collection because they did not successfully validate the debt within 30 days. In conjunction with this dispute, Collection agency may have committed a possible XXXX  violation in that theyve directly sent me a copy of medical records but there is no proof of a XXXX release form with my signature or any proof the agency is a Business Associate which I specifically, addressed and requested from collector. Later in the investigation, I also researched and contacted alleged original creditor and the entity stated the debt was sold and not assigned, therefore, if the collector isn't representing the original creditor, they are not considered Business Associates and don't have the right to protected health information. Furthermore, Equifax did not complete an independent investigation of the matter which is required by FCRA. The company simply sent an XXXXr statement that the account is accurate directly from the collector. In terms of violations already committed, the collector never entered a notation on the account the item was disputed and never ceased collection activity during the validation process, and neither did Equifax when I disputed them directly and they also falsified an " in dispute '' notation when I received the dispute results dated XX/XX/2018 ( I have a copy of my Credit Report over that time period, " In Dispute '' is not in comments section that day or any other day of the dispute process ). Concluding, Equifax did not handle this correctly, they did not conduct an independent investigation and when confronted with violation committed by the collector, my rights were not protected, and I have physical records as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

During the pandemic of 2020, I was receiving my XXXX funds on the u s bank reliacard, with no issues for months. Then upon the emergency relief aid from the XXXX came more relief funds, as The crisis became a longer shut down. Well outta of nowhere I was blindsided by the last XXXX to XXXX weekly XXXX deposits being frozen by USBANK. For months upon months I offered to ID VERIFY, send info, or fax anything .... they went of no assistance and they were unreachable during the pandemic for the most part. They always redirect me back to the XXXX  office which redirected me back to them because they were the ones doing the illegal activities. 

I was left in great distress because if this and face painful hardships because of them, that still leaves me feeling victimized, enraged, and extorted. 

I would like every single dollars of my hard earned tax dollars Unfrozen and claimed to me via a direct deposit or check. 

Not certain, but I'm surely owed about {$1200.00} to {$1600.00}.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$350.00}.
Product: Credit card

On XX/XX/year> around XXXX XXXX XXXX Comenity Bank XXXX the issuer of my IKEA Visa card, sent me an e-mail congratulating me on earning two ( 2 ) IKEA Rewards Certificates of {$15.00} each on my most recent sttement ( which closed XX/XX/year> ), and enclosing electronic copies of said cerificates - complete with barcodes and PIN codes- to use at the IKEA checkout lane. 

In the late afternoon on XX/XX/year>, around XXXX XXXX XXXX I've tried using said two IKEA Rewards Cerificates of {$15.00} each at the checkout lane in IKEA XXXX XXXX XXXX XXXX and they didn't work. An IKEA supervisor was available, photographed my IKEA rewards certificates, and left for about 30 mins. After he was back, the sup [ ervisor informed me that, somehow, Comenity Bank issued the certificates to me and sent me the above-referenced e-mail, but didn't load said cerificates with money, as per the IKEA supervisor 's verification, both certificates were not loaded/ were at XXXX  balance. 

When I called Comenity Bank customer service, the representative at Comenity Bank that I spoke with, and later the supervisor at Comenity Bank that I spoke with, could not figure out what was happening, and were audibly surprised that the IKEA Rewards Certificates that Comenity Bank had just issued to me on XX/XX/year> and sent me e-mail about on XX/XX/year>, were already showing on their end as " expired ''. 

I ended up having to pay the entire amount with my IKEA Visa card, and did not receive the promised {$30.00} discount off of the charge amount, due to the XXXX $ XXXX IKEA Rewards certificates that Comenity Bank issued to me not working at the IKEA checkout lane, not having been loaded with money, and having " already expired '' per Comenity Bank customer service supervisor.
Product: Credit card

On XXXX/XXXX/16 Capital One agreed to settle my credit card account for {$800.00}. The {$800.00} was paid through my spouses bank account on XXXX/XXXX/16, which cleared the bank on XXXX/XXXX/16. On XXXX/XXXX/16 Capital One took {$75.00} from my bank account with no authorization to do so, the account was settled. I called in on XXXX/XXXX/16 to advise that an unauthorized payment was taken out of my bank acxount and the account with Capital One was settled out on XXXX/XXXX/16. I requested the funds be credited back that same day. The manager advised that it would take 15 days to be credited. 15-days expired on XXXX/XXXX/16 and as of today XXXX/XXXX/16 the funds have not been credited back to my bank account. I need assistance and I want to make sure this does not happen to other people.
Product: Debt collection

On XX/XX/XXXX, I looked at my XXXX XXXX XXXX bank account and realized that on XX/XX/2023, I was charged to " Legal Order Fees, LTS ''. XXXX for {$120.00} and the other for {$3200.00}. When I asked my bank what this was, they gave the number of a law office in New York. I called and left a message, as well as emailed, but have not heard back. I have never been contacted by this law office and have no knowledge of any judgement or cases made against me.