{"took":242,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":161,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"3904657","_score":34.038284,"_source":{"product":"Debt collection","complaint_what_happened":"I filed Chapter XXXX bankruptcy on XX/XX/2020, in the United States District Court District of Minnesota Bankruptcy Court and my  Bankruptcy Chapter XXXX was discharged on XX/XX/2020. I had a credit card account with Kohls, and have a current balance and debt I owe Kohls, that was discharged in bankruptcy court. I want Kohls to update their records  immediately and accurately, showing I filed for chapter XXXX bankruptcy, my chapter XXXX bankruptcy was discharged on XX/XX/2020, and owe Kohls no money and have no debt with Kohls, due to my debt being discharged under Chapter XXXX bankruptcy. My bankruptcy attorneys and the United States District Court District of Minnesota Bankruptcy Court will be sending notification to Kohls Bankruptcy Department. Attached to this complaint is my bankruptcy discharge notice for Kohls Bankruptcy  Department review.","date_sent_to_company":"2020-10-17T20:23:24.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"55343","tags":"Servicemember","has_narrative":true,"complaint_id":"3904657","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2020-10-17T20:00:13.000Z","state":"MN","company_public_response":null,"sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["I want Kohls to update their records  immediately and accurately, showing I filed for chapter XXXX <em>bankruptcy</em>, my chapter XXXX <em>bankruptcy</em> was discharged on XX/XX/2020, and owe Kohls no money and have no debt with Kohls, due to my debt being discharged under Chapter XXXX <em>bankruptcy</em>. My <em>bankruptcy</em> <em>attorneys</em> and the <em>United</em> <em>States</em> <em>District</em> Court <em>District</em> of Minnesota <em>Bankruptcy</em> Court will be sending notification to Kohls <em>Bankruptcy</em> Department."],"sub_issue":["Debt was already discharged in <em>bankruptcy</em> and is no longer owed"]},"sort":[34.038284,"3904657"]},{"_index":"complaint-public-v1","_id":"5939289","_score":29.956207,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The following fraudulent credit card accounts currently listed on my XXXX and Experian credit report are fraudulent accounts and not my accounts. I did not authorized or apply for the credit card accounts : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I am a victim of identity theft. The following collection account is a fraudulent account and not my collection account : XXXX XXXX XXXX, {$5600.00}. The following public record : Bankruptcy Chapter XXXX Discharged U.S. District Court District of Minnesota, XXXX, Minnesota. Theres no bankruptcy records on my XXXX XXXX Consumer Report, the third party company/vendor Experian and XXXX use to get public record information. I have sent documentation from XXXX XXXX to Experian and XXXX for proof the public record is not my public record, but Experian and XXXX continues to send me information stating they verified the public record with XXXX XXXX, even though, I have no bankruptcy records on my XXXX XXXX Consumer Report. The following credit inquiries currently listed on my XXXX credit report are fraudulent credit inquiries : XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. I am mailing and send a copy of my complaint to XXXX XXXX, Minnesota United States XXXX, XXXX XXXX, Minnesota United States XXXX, XXXX XXXX, Minnesota Attorney General, XXXX XXXX, United States Attorney General, and XXXX XXXX, XXXX of the United States of America to look into this matter as well.","date_sent_to_company":"2022-09-02T05:37:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"55343","tags":"Servicemember","has_narrative":true,"complaint_id":"5939289","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-09-02T05:37:10.000Z","state":"MN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am mailing and send a copy of my complaint to XXXX XXXX, Minnesota <em>United</em> <em>States</em> XXXX, XXXX XXXX, Minnesota <em>United</em> <em>States</em> XXXX, XXXX XXXX, Minnesota <em>Attorney</em> General, XXXX XXXX, <em>United</em> <em>States</em> <em>Attorney</em> General, and XXXX XXXX, XXXX of the <em>United</em> <em>States</em> of America to look into this matter as well."]},"sort":[29.956207,"5939289"]},{"_index":"complaint-public-v1","_id":"5939141","_score":28.618153,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"The following fraudulent credit card accounts currently listed on my Equifax and XXXX credit report are fraudulent accounts and not my accounts. I did not authorized or apply for the credit card accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. I am a victim of identity theft. The following collection account is a fraudulent account and not my collection account : XXXX XXXX XXXX, {$5600.00}. The following public record : Bankruptcy Chapter XXXX Discharged U.S. District Court District of Minnesota, XXXX XXXX. Theres no bankruptcy records on my XXXX XXXX XXXX Report, the third party company/vendor XXXX and Equifax use to get public record information. I have sent documentation from XXXX XXXX to XXXX and Equifax for proof the public record is not my public record, but XXXX and Equifax continues to send me information stating they verified the public record with XXXX XXXX, even though, I have no bankruptcy records on my XXXX XXXX XXXX Report. The following credit inquiries currently listed on my Equifax credit report are fraudulent credit inquiries : XXXX  XX/XX/XXXX, XXXX, XX/XX/XXXX. I am mailing and send a copy of my complaint to XXXX XXXX, Minnesota United States Senator, XXXX XXXX, Minnesota United States Senator, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, United States Attorney General, and Joe Biden, President of the United States of America to look into this matter as well.","date_sent_to_company":"2022-09-02T05:37:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"55343","tags":"Servicemember","has_narrative":true,"complaint_id":"5939141","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-09-02T05:09:33.000Z","state":"MN","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am mailing and send a copy of my complaint to XXXX XXXX, Minnesota <em>United</em> <em>States</em> Senator, XXXX XXXX, Minnesota <em>United</em> <em>States</em> Senator, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, <em>United</em> <em>States</em> <em>Attorney</em> General, and Joe Biden, President of the <em>United</em> <em>States</em> of America to look into this matter as well."]},"sort":[28.618153,"5939141"]},{"_index":"complaint-public-v1","_id":"7416981","_score":28.296494,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"United States Bankruptcy Court for the Southern District of Texas has NO interaction with credit bureaus ( XXXX, XXXX or TRANSUNION ) which includes reporting information regarding bankruptcy cases or verifying the accuracy of information regarding bankruptcy cases held by these credit bureaus. The Federal Bankruptcy Court does not supply information to credit agencies ( XXXX, XXXX or TRANSUNION ) or to third parties like XXXX who is responsible for reporting this bankruptcy. \n\nThe credit reports supplied by XXXX, XXXX AND TRANSUNION reflects a debt being reported by the United States Bankruptcy Court for the Southern District of Texas which is untrue. This bankruptcy was reported by XXXX and needs to be deleted immediately because all debts including bankruptcy can only be verified by the originator or it must be deleted. Attorneys and other case participants use these third-party services to collect and organize case filings in matters in which they are involved. It is this electronic filing which gives third parties like XXXX XXXX access to restricted or sealed case information and documents, typically in violation of court order. \n\nXXXX never informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.\n\n15 U.S. Code 1681s2 ( A ) ( 1 ) A states \" 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. XXXX, XXXX and TRANSUNION are presenting this information as if it were supplied and reported by the United States Bankruptcy Court for the Southern District of Texas.\n\n15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and TRANSUNION are not maintaining reasonable procedures. \n\nAlso 12 CFR 1016.7 states that \" A consumer may exercise the right to opt out at any time. '' And I am opting out of their reporting services.","date_sent_to_company":"2023-08-17T22:24:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77489","tags":null,"has_narrative":true,"complaint_id":"7416981","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-08-17T22:24:22.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["The credit reports supplied by XXXX, XXXX AND TRANSUNION reflects a debt being reported by the <em>United</em> <em>States</em> <em>Bankruptcy</em> Court for the Southern <em>District</em> of Texas which is untrue. This <em>bankruptcy</em> was reported by XXXX and needs to be deleted immediately because all debts including <em>bankruptcy</em> can only be verified by the originator or it must be deleted. <em>Attorneys</em> and other case participants use these third-party services to collect and organize case filings in matters in which they are involved."]},"sort":[28.296494,"7416981"]},{"_index":"complaint-public-v1","_id":"7416980","_score":28.227348,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"United States Bankruptcy Court for the Southern District of Texas has NO interaction with credit bureaus ( XXXX, EQUIFAX or XXXX ) which includes reporting information regarding bankruptcy cases or verifying the accuracy of information regarding bankruptcy cases held by these credit bureaus. The Federal Bankruptcy Court does not supply information to credit agencies ( XXXX, EQUIFAX or XXXX ) or to third parties like XXXX who is responsible for reporting this bankruptcy. \n\nThe credit reports supplied by XXXX, EQUIFAX AND XXXX reflects a debt being reported by the United States Bankruptcy Court for the Southern District of Texas which is untrue. This bankruptcy was reported by XXXX and needs to be deleted immediately because all debts including bankruptcy can only be verified by the originator or it must be deleted. Attorneys and other case participants use these third-party services to collect and organize case filings in matters in which they are involved. It is this electronic filing which gives third parties like XXXX XXXX access to restricted or sealed case information and documents, typically in violation of court order. \n\nXXXX never informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.\n\n15 U.S. Code 1681s2 ( A ) ( 1 ) A states \" 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. XXXX, EQUIFAX and XXXX are presenting this information as if it were supplied and reported by the United States Bankruptcy Court for the Southern District of Texas.\n\n15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. EQUIFAX, XXXX and XXXX are not maintaining reasonable procedures. \n\nAlso XXXX XXXX XXXX states that \" A consumer XXXX exercise the right to opt out at any time. '' And I am opting out of their reporting services.","date_sent_to_company":"2023-08-17T22:24:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77489","tags":null,"has_narrative":true,"complaint_id":"7416980","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-08-17T22:24:22.000Z","state":"TX","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["The credit reports supplied by XXXX, EQUIFAX AND XXXX reflects a debt being reported by the <em>United</em> <em>States</em> <em>Bankruptcy</em> Court for the Southern <em>District</em> of Texas which is untrue. This <em>bankruptcy</em> was reported by XXXX and needs to be deleted immediately because all debts including <em>bankruptcy</em> can only be verified by the originator or it must be deleted. <em>Attorneys</em> and other case participants use these third-party services to collect and organize case filings in matters in which they are involved."]},"sort":[28.227348,"7416980"]},{"_index":"complaint-public-v1","_id":"14518253","_score":26.437366,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing TransUnions continued reporting of a discharged XXXX  XXXX bankruptcy ( Case No. XXXX ), filed in XXXX  in the United States Bankruptcy Court , Northern District of XXXX  . The information is both inaccurate and unverifiable, and TransUnion has failed to provide any valid source of verification. \n\nIve submitted multiple disputes with supporting documentation, including a XXXX deletion letter confirming they no longer report the record. XXXX is a known public records vendor for TransUnion. If XXXX has deleted the record, and TransUnion has not identified any other source, then the bankruptcy can not be verified under FCRA guidelines. \n\nIn addition to being unverifiable, TransUnion is reporting inaccurate information in violation of FCRA 607 ( b ), which requires maximum possible accuracy : The case number is misformatted as XXXX the correct number is XXXX The court name is shortened to USBK Court Northern XXXX  the official name is United States Bankruptcy Court , Northern District of XXXX  , Eastern Division The court address is incomplete the XXXX Floor is missing The court phone number is incorrect they list a general number instead of the official public info line ( XXXX ) They label me as the plaintiff, and my attorney as the plaintiffs attorney, which is legally incorrect. In XXXX  XXXX bankruptcy, I am the debtor, not a plaintiff. \n\nI also requested, as allowed under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), the name and contact information of the data furnisher used to verify this bankruptcy. TransUnion has not provided that information. Instead, they continue to claim the item was verified despite no active vendor furnishing the data, and no proof that a courthouse employee verified anything. This lack of transparency and accountability violates my rights under the Fair Credit Reporting Act.\n\nBecause the item is both unverifiable and factually inaccurate, I am requesting full deletion of this bankruptcy from my TransUnion credit report in accordance with FCRA 611 ( a ) ( 5 ) ( A ).","date_sent_to_company":"2025-07-08T21:39:14.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60487","tags":null,"has_narrative":true,"complaint_id":"14518253","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-08T21:09:19.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I am disputing TransUnions continued reporting of a discharged XXXX  XXXX <em>bankruptcy</em> ( Case No. XXXX ), filed in XXXX  in the <em>United</em> <em>States</em> <em>Bankruptcy</em> Court , Northern <em>District</em> of XXXX  . The information is both inaccurate and unverifiable, and TransUnion has failed to provide any valid source of verification. \n\nIve submitted multiple disputes with supporting documentation, including a XXXX deletion letter confirming they no longer report the record."]},"sort":[26.437366,"14518253"]},{"_index":"complaint-public-v1","_id":"8917319","_score":25.944262,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On or around XX/XX/year> Lexis Nexis reported inaccurate Information about a Bankruptcy pertaining to me, they also have inaccurate and unverifiable information about a bankruptcy in my consumer report file. In which they have been giving and reporting to other companies This Inaccurate, invalid and unverifiable information.\n\nI have attached a letter from the UNITED STATES BANKRUPTCY COURT DISTRICT OF NEVADA verifying and stating that they do not furnish or report information over to the credit bureau or any Credit monitoring service nor do they verify or validate any information concerning bankruptcy, Lexis Nexis is the reason this information is on my credit report and has yet to be remove. this unvalid and UNVERIFIED information Lexis Nexis is reporting violates fair credit reporting act.\n\nINACCURACIES Reporting : The county of bankruptcy is inaccurate, name of the court is inaccurate, disposition details is Inaccurate, Petitioner Represented By Attorney is inaccurate and contact details are inaccurate. When compared to my PACER court records, Lexis Nexis is reporting inaccurate information","date_sent_to_company":"2024-05-02T08:21:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89011","tags":null,"has_narrative":true,"complaint_id":"8917319","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2024-05-02T07:45:08.000Z","state":"NV","company_public_response":null,"sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["I have attached a letter from the <em>UNITED</em> <em>STATES</em> <em>BANKRUPTCY</em> COURT <em>DISTRICT</em> OF NEVADA verifying and stating that they do not furnish or report information over to the credit bureau or any Credit monitoring service nor do they verify or validate any information concerning <em>bankruptcy</em>, Lexis Nexis is the reason this information is on my credit report and has yet to be remove. this unvalid and UNVERIFIED information Lexis Nexis is reporting violates fair credit reporting act."]},"sort":[25.944262,"8917319"]},{"_index":"complaint-public-v1","_id":"4563936","_score":25.89407,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been requesting LexisNexis to delete a reported Bankruptcy since XX/XX/2021 due to inaccurate information being reported and it has yet to be corrected. \n\nAccording to the attached document, LexisNexis lists their source for the listed Bankruptcy as Maryland Federal Bankruptcy Court-XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX. However, I have documentation that the United States Bankruptcy Court, District of Maryland does not report any information to the credit bureaus ( also attached ). They also do not verify or validate information from consumers ' credit files. So I would like to know who at the Maryland Federal Bankruptcy Court-XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX LexisNexis verified this listed Bankruptcy with, their contact information and the date said Bankruptcy was verified. \n\nI will be filing a complaint with the Federal Trade Commission and also contacting a Consumer Protection Attorney.","date_sent_to_company":"2021-07-21T08:33:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21117","tags":null,"has_narrative":true,"complaint_id":"4563936","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2021-07-21T08:04:30.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["However, I have documentation that the <em>United</em> <em>States</em> <em>Bankruptcy</em> Court, <em>District</em> of Maryland does not report any information to the credit bureaus ( also attached ). They also do not verify or validate information from consumers ' credit files. So I would like to know who at the Maryland Federal <em>Bankruptcy</em> Court-XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX LexisNexis verified this listed <em>Bankruptcy</em> with, their contact information and the date said <em>Bankruptcy</em> was verified."]},"sort":[25.89407,"4563936"]},{"_index":"complaint-public-v1","_id":"4194461","_score":25.673351,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"These Student Loans was deemed fraudulent by the Attorney General of Massachusetts XXXX XXXX and the Commonwealth of Massachusetts XXXX, Superior Court ( CIVIL ACTION NO. XXXX ). The CFPB has also filed a complaint against XXXX XXXX XXXX XXXX XXXX for Defrauding Students. These Loans are also in Administration Forbearance after I have filed a complaint with the U.S. Department Of Education for generating these student loans fraudulently through the Borrower Defense To Loan Repayment act. I am also part of the Class Action Adversary Proceeding Complaint filled in the United states Bankruptcy court of XXXX District of Indiana, XXXX Division ( Chapter XXXX Case No. XXXX ).","date_sent_to_company":"2021-03-08T22:17:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"01832","tags":null,"has_narrative":true,"complaint_id":"4194461","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-03-08T22:17:35.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am also part of the Class Action Adversary Proceeding Complaint filled in the <em>United</em> <em>states</em> <em>Bankruptcy</em> court of XXXX <em>District</em> of Indiana, XXXX Division ( Chapter XXXX Case No. XXXX )."]},"sort":[25.673351,"4194461"]},{"_index":"complaint-public-v1","_id":"4194459","_score":25.563519,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"These Student Loans was deemed fraudulent by the Attorney General of Massachusetts XXXX XXXX and the XXXX of Massachusetts XXXX, Superior Court ( CIVIL ACTION NO. XXXX ). The CFPB has also filed a complaint against XXXX XXXX XXXX XXXX XXXX for Defrauding Students. These Loans are also in Administration Forbearance after I have filed a complaint with the U.S. Department Of Education for generating these student loans fraudulently through the Borrower Defense To Loan Repayment act. I am also part of the Class Action Adversary Proceeding Complaint filled in the United states Bankruptcy court of XXXX District of Indiana, XXXX Division ( Chapter XXXX Case No. XXXX XXXX.","date_sent_to_company":"2021-03-08T22:17:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"01832","tags":null,"has_narrative":true,"complaint_id":"4194459","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-03-08T22:17:35.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am also part of the Class Action Adversary Proceeding Complaint filled in the <em>United</em> <em>states</em> <em>Bankruptcy</em> court of XXXX <em>District</em> of Indiana, XXXX Division ( Chapter XXXX Case No. XXXX XXXX."]},"sort":[25.563519,"4194459"]},{"_index":"complaint-public-v1","_id":"4707233","_score":25.443249,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I recently contacted you and requested a reinvestigation for Chapter XXXX bankruptcy record reference # XXXX that is appearing on my credit report. In response to my request, your company replied saying that you verified the item as accurate and that this information was verified as accurate by the United States Bankruptcy Court of XXXX  District of Mississippi. I contacted this court and their response is enclosed. It is clear that they do not report you or to any credit bureau for that matter ; therefore, your original response verifying this item with the court was either an error or a lie. Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately. I have also enclosed a letter from XXXX XXXX which states that they did not verify this record either! If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.","date_sent_to_company":"2021-09-09T17:39:17.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"388XX","tags":null,"has_narrative":true,"complaint_id":"4707233","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-09-09T17:36:12.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I recently contacted you and requested a reinvestigation for Chapter XXXX <em>bankruptcy</em> record reference # XXXX that is appearing on my credit report. In response to my request, your company replied saying that you verified the item as accurate and that this information was verified as accurate by the <em>United</em> <em>States</em> <em>Bankruptcy</em> Court of XXXX  <em>District</em> of Mississippi. I contacted this court and their response is enclosed."]},"sort":[25.443249,"4707233"]},{"_index":"complaint-public-v1","_id":"4707228","_score":25.41979,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I recently contacted you and requested a reinvestigation for Chapter XXXX bankruptcy record reference # XXXX that is appearing on my credit report. In response to my request, your company replied saying that you verified the item as accurate and that this information was verified as accurate by the United States Bankruptcy Court of XXXX  District of Mississippi. I contacted this court and their response is enclosed. It is clear that they do not report you or to any credit bureau for that matter ; therefore, your original response verifying this item with the court was either an error or a lie. Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately. I have also enclosed a letter from XXXX XXXX which states that they did not verify this record either! If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the FTC and my state attorney general.","date_sent_to_company":"2021-09-09T17:31:24.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"388XX","tags":null,"has_narrative":true,"complaint_id":"4707228","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2021-09-09T17:28:39.000Z","state":"MS","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I recently contacted you and requested a reinvestigation for Chapter XXXX <em>bankruptcy</em> record reference # XXXX that is appearing on my credit report. In response to my request, your company replied saying that you verified the item as accurate and that this information was verified as accurate by the <em>United</em> <em>States</em> <em>Bankruptcy</em> Court of XXXX  <em>District</em> of Mississippi. I contacted this court and their response is enclosed."]},"sort":[25.41979,"4707228"]},{"_index":"complaint-public-v1","_id":"3255951","_score":24.879374,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX does not stop calling me even though I have a Bankruptcy in place. \nThey continue to call repeatedly threaten me and need to stop by law. I have tried many times to let them know as well as sent them my bankruptcy paper work. They use false names as well as ghost phone numbers and I would like them to stop calling and harassing me. \n\nAttached is a copy of my last letter to them. I have sent a letter requesting them to stop in each name they have called under as well. \n\nThank you XXXX XXXX XX/XX/XXXX Certified Return Receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  ( XXXX ) XXXX / ( XXXX ) XXXX / ( XXXX ) XXXX Debt Collector : Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. \nYou are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the States Attorney Generals office. Civil and criminal claims will be pursued. \nAttached is a copy of my Chapter XXXX Discharge Dated XX/XX/XXXX. \nCollection of Discharged Debts Prohibited The discharge prohibits any attempt to collect from the debtor a debt that has been discharged. For example, a creditor is not permitted to contact a debtor by mail, phone, or otherwise, to file or continue a lawsuit, to attach wages or other property, or to take any other action to collect a discharged debt from the debtor. \nA creditor who violates this order can be required to pay damages and attorney 's fees to the debtor. \nShould any information needed please contact my attorney at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( fax ) XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CC : XXXX XXXX XXXX , CA States attorney Generals Office, NV States Attorney Generals Office , Office of the XXXX County District Attorney , United States Bankruptcy Court District of NevadaXXXX","date_sent_to_company":"2019-05-28T23:51:39.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"90703","tags":null,"has_narrative":true,"complaint_id":"3255951","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2019-05-28T23:51:35.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was already discharged in bankruptcy and is no longer owed"},"highlight":{"complaint_what_happened":["Should any information needed please contact my <em>attorney</em> at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( fax ) XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CC : XXXX XXXX XXXX , CA <em>States</em> <em>attorney</em> Generals Office, NV <em>States</em> <em>Attorney</em> Generals Office , Office of the XXXX County <em>District</em> <em>Attorney</em> , <em>United</em> <em>States</em> <em>Bankruptcy</em> Court <em>District</em> of NevadaXXXX"],"sub_issue":["Debt was already discharged in <em>bankruptcy</em> and is no longer owed"]},"sort":[24.879374,"3255951"]},{"_index":"complaint-public-v1","_id":"3855052","_score":24.311876,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I filed for Chapter XXXX bankruptcy on XX/XX/XXXX in the United States District Court District of XXXX. My Kohls credit card account was included in the bankruptcy petition for the current balance I owe kohls.  There was some unauthorized transactions made on my Kohls credit card account from XX/XX/XXXX to XX/XX/XXXX and Kohls did an investigation and determined I was not liable for the unauthorized transactions that on my Kohls charge account. Kohls recently sent me a letter informing me, I am now liable for unauthorized transactions that Kohls determined previously, I was not liable for. Kohls also filed a police report with the XXXX XXXX Police Department in XXXX XXXX XXXX, MN requesting for criminal charges be filed against me for unauthorized transactions that was made on my Kohls charge account from XX/XX/XXXX to XX/XX/XXXX, that Kohls previously informed me I was not liable for. I did not commit any fraud or crime with my own Kohls credit card account. There has been miscommunication and a misunderstanding with me and Kohls in regards to unauthorized transactions that was made on my account from XX/XX/XXXX, to XX/XX/XXXX. I can not recall any of the unauthorized transactions that was made on my account from 9 months ago. Even after filing for bankruptcy, Kohls continued to contact me by sending me letters by U.S. mail informing me of their investigation of unauthorized transactions on my Kohls credit card account. The federal bankruptcy law of an Automatic Stay specifically states that creditors can not contact you to collect debts after youve filed bankruptcy. The Automatic Stay protects me from harassing phone calls, emails, and letters. My Bankruptcy Attorney XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX will be in contact with Kohls about this matter.","date_sent_to_company":"2020-09-19T07:29:13.000Z","issue":"Struggling to pay your bill","sub_product":"Store credit card","zip_code":"55343","tags":"Servicemember","has_narrative":true,"complaint_id":"3855052","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2020-09-19T02:49:11.000Z","state":"MN","company_public_response":null,"sub_issue":"Filed for bankruptcy"},"highlight":{"complaint_what_happened":["I filed for Chapter XXXX <em>bankruptcy</em> on XX/XX/XXXX in the <em>United</em> <em>States</em> <em>District</em> Court <em>District</em> of XXXX. My Kohls credit card account was included in the <em>bankruptcy</em> petition for the current balance I owe kohls.  There was some unauthorized transactions made on my Kohls credit card account from XX/XX/XXXX to XX/XX/XXXX and Kohls did an investigation and determined I was not liable for the unauthorized transactions that on my Kohls charge account."],"sub_issue":["Filed for <em>bankruptcy</em>"]},"sort":[24.311876,"3855052"]},{"_index":"complaint-public-v1","_id":"6076668","_score":22.666462,"_source":{"product":"Mortgage","complaint_what_happened":"Dear CFPB I am filing a new complaint to place CFPB on notice of the patently false representation being made to the CFPB by XXXX XXXX through their attorney, XXXX XXXX. \n\nOn XX/XX/XXXX, XXXX XXXX responded to my CFPB Complaint ( No. XXXX ) and intentionally falsely represented to the CFPB that all my claims and facts were currently part of the record on appeal with the United States Court of Appeals for the Fifth Circuit as follows : Most recently, you appealed the District Courts order entered on XX/XX/XXXX dismissing your claims with prejudice to the United States Court of Appeals for the Fifth Circuit , Case No. XXXX XXXX. This appeal is pending the Courts consideration and therefore no further response is necessary ( XXXX XXXX ). \n\nXXXX XXXX concealed that on XX/XX/XXXX, I filed an Opposed Plaintiff-Appellant Motion For Leave to Supplement The Record On Appeal And Request For Court Referral To the Texas XXXX XXXX . ( See Ex-B ). \n\nMy XX/XX/XXXX motion was not filed in the District Court. The motion is currently pending at the Fifth Circuit Court of Appeals and has not yet been decided by the Court and/or made a part of the District Court record and is ripe for the CFPB review XXXX \n\nThe motion reveals that between XXXX, XXXX XXXX never remitted payment to me in the sum of {$4500.00} plus interest in connection with a Fourth Court of Appeals XX/XX/XXXX Judgment and Mandate in Case No. XXXX. \n\nXXXX XXXX HAS NOT REMITTED A PAYMENT TO ME SINCE XX/XX/XXXX AND SHOULD BE REQUIRED TO RESPOND TO WHY THEY IGNORED AND VIOLATED A COURT JUDGMENT/MANDATE. \n\nXXXX XXXX also concealed that on XX/XX/XXXX, I filed another Opposed Plaintiff-Appellant Motion For Leave to Supplement The Record On Appeal. ( XXXX XXXX ). \n\nMy XX/XX/XXXX motion was not filed in the District Court. The motion is currently pending at the Fifth Circuit Court of Appeals and has not yet been decided by the Court and/or made a part of the District Court record and is ripe for the CFPB review . \n\n\nSpecifically, the motion reveals : 1 ) In the State Court, XXXX XXXX filed XX/XX/XXXX sworn interrogatories and falsely swore they obtained an assignment of my Note and Mortgage on XX/XX/XXXX. XXXX month before on XX/XX/XXXX, my original lender XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) sold only an interest in my loan to XXXX Bank, not XXXX XXXX. \n\nIn XX/XX/XXXX, I obtained my mortgage loan records ( including the XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX letter agreement with XXXX XXXX XXXX from XXXX XXXX, the U.S. Bankruptcy Court Trustee for my original lender, XXXX XXXXXXXX XXXX XXXX \n\n2 ) In the District Court, XXXX XXXX judicially admitted they obtained an assignment of the XXXXXXXX XXXX  pursuant to a XX/XX/XXXX Transfer of Lien purported to be executed with my original lender XXXX XXXXXXXX XXXX XXXXXXXX, two years after the U.S. Bankruptcy Court, District of Delaware ordered the dissolution of XXXX XXXX XXXX  XXXX in XXXX. XXXX XXXXXXXX XXXX XXXX did not exist in XXXX to execute a Transfer of Lien with XXXX XXXX. \n\nXXXX XXXX SHOULD BE REQUIRED TO RESPOND AND PROVIDE A COPY OF THE XX/XX/XXXX WRITTEN ASSIGNMENT PURPORTED TO BE EXECUTED WITH XXXX XXXX XXXX XXXXXXXX, AFTER XXXX XXXX XXXX SOLD ONLY AN INTEREST IN MY XXXX XXXX TO XXXX BANK ON XX/XX/XXXX. \n\nThese issues were not before the District Court and the Fifth Circuit Court of Appeals has not yet ruled on my motions to supplement the appeal record. Therefore, XXXX XXXX should be required to provide a response to this CFPB Complaint. \n\nXXXX XXXX and their attorneys have made patently false sworn statements in both state and federal court regarding the assignment date of my Note and Deed of Trust to XXXX XXXX. They also orchestrated the criminal theft of my homestead and personal property in XX/XX/XXXX on behalf of XXXX XXXX which caused me substantial damages in excess of {$2.00} XXXX dollars. I am also seeking criminal action against the XXXX XXXX attorneys.","date_sent_to_company":"2022-10-25T17:56:53.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"78212","tags":null,"has_narrative":true,"complaint_id":"6076668","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2022-10-13T04:29:45.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["XXXX ) and intentionally falsely represented to the CFPB that all my claims and facts were currently part of the record on appeal with the <em>United</em> <em>States</em> Court of Appeals for the Fifth Circuit as follows : Most recently, you appealed the <em>District</em> Courts order entered on XX/XX/XXXX dismissing your claims with prejudice to the <em>United</em> <em>States</em> Court of Appeals for the Fifth Circuit , Case No. XXXX XXXX."]},"sort":[22.666462,"6076668"]},{"_index":"complaint-public-v1","_id":"1910183","_score":21.726986,"_source":{"product":"Mortgage","complaint_what_happened":"We were in Bankruptcy and home loan with green tree! As, of XXXX XXXX United States bankruptcy court XXXX district Ohio XXXX division Judge XXXX XXXX XXXX sent copy of \" Order granting trustees motion to determine final cure and payment of mortgage ( Doc. XXXX ) Served via regular mail : Green Tree Servicing LLC. XXXX XXXX XXXX XXXX XXXX, SD XXXX. \nOn XXXX XXXX 2015 I was now to pay mortgage payment to Green tree since bankruptcy was over in the amount of {$1100.00}. I paid {$1100.00} on XXXX/XXXX/2015 n {$5.00} on XXXX/XXXX/2015. Payments received.XX/XX/XXXX I receive monthly billing statement for amount of {$5800.00} stating account severely delinquent stating no payments made for XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX and XXXX/XXXX/2015. The bankruptcy courts paid thru XXXX 2015 payment. The final cure shows paid in full. I paid XX/XX/XXXX payment they even thanked me on XX/XX/XXXX bill for amounts paid and I was holding XX/XX/XXXX bill in my hand and they printed it was not paid. Really seriously makes no since. We hired an Attorney to clear up this matter in XXXX 2015 he sent letter to Ditech whom took over Green tree with no response. On XXXX XXXX, 2015 and XXXX XXXX our Attorney sent more letters still no response. I have called written letters pleaded for someone to help us but to no avail has anyone been helpful. Our credit report shows we are delinquent 90 days or more to Ditech. XX/XX/XXXX monthly statement now shows no amount for current payment amount due. ' This is not a bill. This statement is for informational purposes only. Please pay bankruptcy trustee or Ditech. Omg!! Our billing statements now are being sent to our Attorney address which they wrote incorrect but he still receives them. What is going on with Ditech please help us resolve this matter.","date_sent_to_company":"2016-05-04T19:23:35.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Other mortgage","zip_code":"43082","tags":"Older American","has_narrative":true,"complaint_id":"1910183","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ditech Financial LLC","date_received":"2016-05-04T19:23:34.000Z","state":"OH","company_public_response":"Company believes complaint is the result of an isolated error","sub_issue":null},"highlight":{"complaint_what_happened":["We were in <em>Bankruptcy</em> and home loan with green tree! As, of XXXX XXXX <em>United</em> <em>States</em> <em>bankruptcy</em> court XXXX <em>district</em> Ohio XXXX division Judge XXXX XXXX XXXX sent copy of \" Order granting trustees motion to determine final cure and payment of mortgage ( Doc. XXXX ) Served via regular mail : Green Tree Servicing LLC. XXXX XXXX XXXX XXXX XXXX, SD XXXX. \nOn XXXX XXXX 2015 I was now to pay mortgage payment to Green tree since <em>bankruptcy</em> was over in the amount of {$1100.00}."]},"sort":[21.726986,"1910183"]},{"_index":"complaint-public-v1","_id":"2340654","_score":21.329256,"_source":{"product":"Mortgage","complaint_what_happened":"I filed a chapter XXXX bankruptcy XX/XX/XXXX, after missing 1 mortgage payment. I have made up the missed payment through my chapter XXXX repayment plan. \n\nSince XX/XX/XXXX, Ditech has kept all loan servicing and accounting information ( including payment history, chapter XXXX trustee payments, principal, interest, and escrow information, including escrow analysis and balance ) hidden from me at Ditech.com. \n\nDitech sends monthly \" informational statements '' to my home address without ANY loan servicing and accounting information ( including payment history, chapter XXXX trustee payments, principal, interest, late fees, and escrow information ). It is basically a blank statement. \n\nDitech has removed reporting of my mortgage loan from all of my credit reports. The loan originated XX/XX/XXXX. \n\nDitech has incorrectly calculated my XX/XX/XXXX yearly interest payment on my form XXXX at {$2700.00}. I have no way of correcting this because I can not communicate with them nor can I view my accounting of applied payments with principal and interest. \nDitech has not applied my previous payment XX/XX/XXXX to my account. \n\nDitech 's automated phone system will only transfer me to their \" make a payment '' option, which then states that that I owe {$6300.00}. If I try to connect to a Ditech representative, I am automatically transferred to another company : XXXX. \n\nDitech has sent letters to my bankruptcy attorney, each time stating a different loan representative name and phone number to call if I have questions or need help. Yet when I call the Ditech phone number provided, I am automatically forwarded to another company, XXXX XXXX XXXX. \n\nI am unable to speak with anyone at Ditech. I have recently fallen behind on my mortgage and am unable to reach anyone at Ditech for assistance or information on the servicing and calculations of my account. \n\nI will be filing a complaint with my State 's Attorney 's office ( XXXX XXXX ) as well as following the guidelines of RESPA, and contacting XXXX, who is the loan holder of my mortgage. \nI will also file complaint with the FTC. Ditech, formerly Green Tree, should be found in contempt of court for failure to uphold the STIPULATED ORDER FOR PERMANENT INJUNCTION AND MONETARY JUDGMENT filed on XX/XX/XXXX, with the UNITED STATES DISTRICT COURT, DISTRICT OF MINNESOTA.","date_sent_to_company":"2017-02-11T22:17:44.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional fixed mortgage","zip_code":"60586","tags":null,"has_narrative":true,"complaint_id":"2340654","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ditech Financial LLC","date_received":"2017-02-11T22:17:43.000Z","state":"IL","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":null},"highlight":{"complaint_what_happened":["I will be filing a complaint with my State 's <em>Attorney</em> 's office ( XXXX XXXX ) as well as following the guidelines of RESPA, and contacting XXXX, who is the loan holder of my mortgage. \nI will also file complaint with the FTC. Ditech, formerly Green Tree, should be found in contempt of court for failure to uphold the STIPULATED ORDER FOR PERMANENT INJUNCTION AND MONETARY JUDGMENT filed on XX/XX/XXXX, with the <em>UNITED</em> <em>STATES</em> <em>DISTRICT</em> COURT, <em>DISTRICT</em> OF MINNESOTA."]},"sort":[21.329256,"2340654"]},{"_index":"complaint-public-v1","_id":"6743552","_score":20.851072,"_source":{"product":"Mortgage","complaint_what_happened":"Fact we obtained a ( Residential Mortgage Backed Securitized Loan ) with XXXX  XXXX Bank XXXX, XXXX  XXXXXXXX XXXX was closed by the XXXX, and FDIC became the Receiver, XXXX XXXX XXXX XXXX  became the Servicer, after the FDIC became Receiver XXXX, the next day XXXX, the Parent Company of XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) filed bankruptcy, ( Case # XXXX ) and part of the reorganization the XXXX Liquidation, Canceled or Extinguished all Securitized bonds, and reissued Stocks, per United States of Security Exchange Commission Quarterly report dated XXXX. \n\nAfter XXXX filed the Bankruptcy Case, XXXX, XXXX, the FDIC in its corporate capacity ( XXXX ), and the Receiver became involved in several lawsuits contesting the ownership of over {$20.00} XXXX in assets. \n\nThe parties reached a settlement in the Bankruptcy Case that was approved by the FDIC 's Board of Directors on XX/XX/XXXX, and XXXX filed a plan of reorganization incorporating the terms of the settlement ( \" XXXX Bankruptcy Settlement '' ). Several parties objected to XXXX 's proposed plan, in particular, XXXX 's proposal to release its claims against XXXX, FDIC-C, and the Receiver. At the request of XXXX 's equity holders, the Bankruptcy Court appointed an examiner to thoroughly investigate XXXX 's claims against XXXX, FDIC-C, and the Receiver, and determine whether the proposed settlement ( which would release these claims ) was fair and equitable to XXXX. The examiner found that the XXXX Bankruptcy Settlement was a fair resolution. \n\nOn XX/XX/XXXX, the Bankruptcy Court entered an order confirming the seventh amended plan - PDF proposed by XXXX and its co-debtor XXXX XXXX XXXX ( the \" Plan '' ). The XXXX Bankruptcy Settlement - PDF, as amended from time to time, remains integral to and incorporated in the Plan. The Plan and Settlement became effective on XX/XX/XXXX. The Receiver received {$840.00} XXXX pursuant to the terms of the XXXX Bankruptcy XXXX. \n\nLitigation filed by XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) and XXXX and Settlement Soon after XXXX failed, XXXX sued the Receiver and JPMC, claiming {$6.00} XXXX to {$10.00} XXXX in damages arising out of XXXX 's alleged breach of representations and warranties made in connection with mortgages sold to securitized trusts. ( Amended Complaint - PDF. ) In XX/XX/XXXX, the United States District Court for the District of Columbia issued a partial summary judgment decision finding that the Receiver retained liability for DBNTCs claims to the extent that such claims were not reflected at a stated book value in the financial accounting records of XXXX as of the failure date. ( Amended Memorandum Opinion - PDF. ) The Receiver sought appellate review of the decision in the United States Court of Appeals for the District of Columbia Circuit. \n\nAlso, XXXX filed lawsuits and cross-claims seeking indemnification against the Receiver and FDIC-C ( Indemnification lawsuit - PDF ) and submitted over XXXX notices of potential indemnity claims. ( Notices can be found at Group XXXX : XXXX XXXX XXXX relating to Washington XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX in the Freedom of Information Act ( FOIA ) Service Center Reading Room and, XXXX XXXX XXXX relating to Washington XXXX Bank XXXX Bank XXXX XXXX XXXX at, Group XXXX : XXXX XXXX XXXX relating to Washington XXXX XXXX Bank P & A ). \n\nOn XX/XX/XXXX, the FDIC XXXX XXXX XXXX approved a settlement among the Receiver, FDIC-C, XXXX, and XXXX, to settle the lawsuit filed by XXXX, the Indemnification lawsuit filed by XXXX and all claims for indemnification made by XXXX against the Receiver, including XXXX other lawsuits disputing JPMCs responsibility for tax liabilities of the failed XXXX ( XXXX Settlement ). Under its terms, the XXXXFDIC Settlement became effective only if XXXX obtained court approval XXXX the settlement. On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX, California entered an order approving the settlement, and that order became final and unappealable on XX/XX/XXXX. Under the settlement agreement, in exchange for releases from XXXX and XXXX, the Receiver paid XXXX {$640.00} XXXX and issued XXXX an allowed unsecured receivership claim of {$3.00} XXXX on XX/XX/XXXX. The XXXX-FDIC Settlement agreement can be found at the following link : XXXX-FDIC Settlement agreement - XXXX. \n\nAs a result of the settlement, the parties dismissed certain lawsuits pending in the district court and an appeal pending in the court of appeals. These lawsuits had been stayed while XXXX obtained approval of the settlement by the California state court. \n\nWe are now going thru a Foreclosure, Plaintiff - ( XXXX, XXXX, AS TRUSTEE, IN TRUST FOR REGISTERED HOLDERS OF XXXX ASSET-BACKED CERTIFICATES XXXX XXXX XXXX XXXX, ) ! st per Mortgage Electronic Registration Service there is no Mortgage under XXXX, and Per XXXX XXXX Company , a Assignment was added for XXXX, XXXX XXXX XXXX without a Mortgage being added, also the Assignment was done after XXXX, which makes it unauthorized because XXXX XXXX XXXX XXXX XXXX Became Trustee over XXXX  XXXX XXXX effective date XXXX XXXX As for all unsecured assets of XXXX XXXX XXXX that was not part of the ( XXXX XXXX XXXX XXXX Bank ) belongs to Receiver ( FDIC ) Per XXXX XXXX XXXX Attorney for ( XXXX ) the Receiver FDIC is responsible for the Note that was not repurchased, by XXXX XXXX XXXX XXXX any other Bank XXXX or Company. \nXXXX XXXX XXXX XXXX  continued to collect Mortgage Payments as Servicer for Washington XXXX Bank until XXXX when they sold the Servicing rights to Select Portfolio Servicing. Transferring the Original Note from XXXX XXXX XXXX also showing Pool Number- ( RMBSL ), and that Pool number was Canceled by XXXX Liquidation Trust , Per United States Security and Exchange Commission quarterly report dated XXXX, also shown on Bankruptcy paperwork making XXXX XXXX XXXX XXXX XXXX Trustee over XXXX XXXX Bank XXXX","date_sent_to_company":"2023-04-21T13:48:39.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Other type of mortgage","zip_code":"60621","tags":null,"has_narrative":true,"complaint_id":"6743552","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SELECT PORTFOLIO SERVICING, INC.","date_received":"2023-03-24T19:27:54.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["liability for DBNTCs claims to the extent that such claims were not reflected at a stated book value in the financial accounting records of XXXX as of the failure date. ( Amended Memorandum Opinion - PDF. ) The Receiver sought appellate review of the decision in the <em>United</em> <em>States</em> Court of Appeals for the <em>District</em> of Columbia Circuit."]},"sort":[20.851072,"6743552"]},{"_index":"complaint-public-v1","_id":"1784362","_score":20.269093,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX, XXXX WRONGFUL FORECLOSURE BANKRUPTCY - VIOLATION OF AUTOMATIC STAY ORDER sec. XXXX XXXX XXXX, XXXX XXXX XXXX, Attorney for ; The XXXX. \nXXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX United States Bankruptcy Court XXXX District of California C/o Hon. Judge XXXX XXXX XXXX Case No. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX XXXX : VIOLATION OF BANKRUPTCY CODE 11 USC 362 AUTOMATIC STAY NOTICE GIVEN TO ALL PARTIES AND THE HON. JUDGE XXXX XXXX XXXX It is known to me that the Attorney 's of record and purported successors-in-interest ( \" Claimant '' ) have conducted an unlawful foreclosure sale of the subject property in this order, on XXXX XXXX, XXXX, approximately at XXXX XXXX. ( Exhibit A ) The Debtor ( \" XXXX XXXX XXXX '' ) has diligently investigated several suspicious documents which were examined by the Secretary of State of XXXX, and where rejected for \" Authentication '' issues which involve ( d ) ; 1. Notary Jurisdiction 2. Illegible Seal, and 3. Signature does not correspond to the one on the acknowledgment/XXXX submitted 4. The document has not been notarized according to the appropriate California Civil and/or Government Code. \n5. Jurisdiction ( XXXX ) - Is under review for criminal investigation regarding a Complaint filed against the \" Trustee Deed Upon Sale '' filer, ( \" XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX '' ) for Fraudulent Conveyance of title, amongst other new findings to be announced, under the laws of XXXX and XXXX. \nThis Complaint has been filed against the Parties named above, and a pending complaint against the Attorney 's as follow ; 1. XXXX XXXX XXXX 2. XXXX XXXX Upon new information from the authorities, Debtor shall keep this Court inform of their findings. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX EXHIBIT A MAILING LIST : XXXX Attorney General XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX Federal Bureau of Investigation XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX Federal Trade Commission Reference No. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX","date_sent_to_company":"2016-02-18T17:42:43.000Z","issue":"Application, originator, mortgage broker","sub_product":"Other mortgage","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"1784362","timely":"Yes","company_response":"Closed","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2016-02-11T05:54:27.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["XXXX XXXX, XXXX WRONGFUL FORECLOSURE <em>BANKRUPTCY</em> - VIOLATION OF AUTOMATIC STAY ORDER sec. XXXX XXXX XXXX, XXXX XXXX XXXX, <em>Attorney</em> for ; The XXXX. \nXXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX <em>United</em> <em>States</em> <em>Bankruptcy</em> Court XXXX <em>District</em> of California C/o Hon. Judge XXXX XXXX XXXX Case No. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX XXXX : VIOLATION OF <em>BANKRUPTCY</em> CODE 11 USC 362 AUTOMATIC STAY NOTICE GIVEN TO ALL PARTIES AND THE HON."]},"sort":[20.269093,"1784362"]},{"_index":"complaint-public-v1","_id":"2860889","_score":20.081762,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX and XXXX XXXX. XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX Chase mortgage acc # XXXX In XX/XX/XXXX my wife and I filed bankruptcy chapter XXXX in United states Bankruptcy XXXX District of Florida. The Document was approved on XX/XX/XXXX. At that time we were current on our mortgage ( Chase Bank ) and our personal vehicle XXXX XXXX financed by XXXX XXXX XXXX. Both items, house and car were NOT included in the bankruptcy and we paid a separate fee for what it is called Reaffirmation agreement ( {$300.00} ). I must mention these monies were paid to XXXX XXXX XXXX XXXX XXXX XXXX   whom represented us, prepared and filed all documentation before the court. I will include documents as necessary to prove our complain. Chase bank got ride of the loan and sold it to XXXX XXXX XXXX after fraudulent foreclosure process that has not been resolved until today .Earlier on XX/XX/XXXX it was discovered on court that only one item ( XXXX XXXX ) XXXX XXXX was accepted in a timely date through the reaffirmation agreement ( XX/XX/XXXX ) and The mortgage was not, even though they were paid and filed about the same dates or close by, therefore the house had to be surrendered due to the mortgage house showing included in bankruptcy. Despite all of our allegations and showing proves of receipts and been over five years, and the none jurisdiction of the court in the bankruptcy case, the judge sided with the bank attorneys and we lost that battle due to the inefficacy of the bankruptcy lawyer or a premediated action of someone else. Please we need Chase bank to provide the exact time and date of receipt for the Reaffirmation Agreement sent by our lawyer XXXX XXXX XXXX XXXX of XXXX Florida back in XX/XX/XXXX excluding the house in the such call bankruptcy case .Also explain thoroughly why if mistakenly the property was included in the bankruptcy chapter XXXX on XX/XX/XXXX, Chase bank kept collection mortgage payments until XX/XX/XXXX.We are requesting chase to reimburse us all the payments collected after XX/XX/XXXX when chase knew the house was included in bankruptcy. Thank you for your help","date_sent_to_company":"2018-04-02T17:16:19.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"31548","tags":null,"has_narrative":true,"complaint_id":"2860889","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2018-04-02T02:56:04.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX Chase mortgage acc # XXXX In XX/XX/XXXX my wife and I filed <em>bankruptcy</em> chapter XXXX in <em>United</em> <em>states</em> <em>Bankruptcy</em> XXXX <em>District</em> of Florida. The Document was approved on XX/XX/XXXX. At that time we were current on our mortgage ( Chase Bank ) and our personal vehicle XXXX XXXX financed by XXXX XXXX XXXX. Both items, house and car were NOT included in the <em>bankruptcy</em> and we paid a separate fee for what it is called Reaffirmation agreement ( {$300.00} )."]},"sort":[20.081762,"2860889"]},{"_index":"complaint-public-v1","_id":"2635431","_score":19.74501,"_source":{"product":"Debt collection","complaint_what_happened":"Reference the following cases for details of what is going on : Case # XXXX dated XX/XX/XXXX Case # XXXX dated XX/XX/XXXX Case # XXXX dated XX/XX/XXXX. We are a bit confused and want Aldridge Pite , LLP. to clear up this question : Is Aldridge Pite, LLP., a Law Firm, or Debt Collector for any of the following entities : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX , not in it 's individual Capacity, but solely as \" TRUSTEE '' for the RMAC Trust, Series XXXX?? If so, which one ( s ) do you represent, or contract with? In XXXX XXXX, attorneys for the Aldridge Pite, LLP., \" Law Firm '' filed an OBJECTION TO CONFIRMATION OF CHAPTER XXXX PLAN in my Federal bankruptcy case on XX/XX/XXXX. The attorney for Aldridge Pite , LLP. executed and filed this document under REPRESENTATION of XXXX XXXX as \" Trustee '' of the RMAC Trust, Series XXXX. Then, again on XX/XX/XXXX, attorneys for the Aldridge Pite , LLP. \" Law Firm '' filed a FRAUDULENT CREDITOR 'S PROOF OF CLAIM in my Federal Chapter XXXX Bankruptcy case, again, as the Law firm attorneys REPRESENTING XXXX XXXX XXXX XXXX, not in it 's individual capacity but solely as \" TRUSTEE '' for the RMAC Trust, Series XXXX. Since XXXX XXXX XXXX XXXX XXXX, not in it 's individual capacity but solely as \" TRUSTEE '' for the XXXX XXXX, XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX. ( current \" SERVICER '' ), or XXXX XXXX, or XXXX XXXX DO NOT LEGALLY OWN MY LOAN, THIS IS FRAUD UPON A FEDERAL COURT! The first week of XX/XX/XXXX I wrote to Aldridge Pite 's attorneys involved in my bankruptcy case, and I SPECIFICALLY asked for documents related to my pooling and servicing agreement for that \" RMAC Trust, Series XXXX '', and all pertaining mortgage file accounting paperwork, in regards to that trust, and my home loan. The funny this was that Aldridge Pite LLP., wrote me back on XX/XX/XXXX. They claimed that they have NO INFORMATION REGARDING THIS TRUST, NOR OUR LOAN OR PROPERTY ADDRESS!!! SO, my question to Aldrige Pite LLP., is this : Who are You?? Who do you REPRESENT??? Your website states that you represent \" Lenders, Loan Servicers and Investors '' ... .so WHICH XXXX DO YOU REPRESENT IN MY BANKRUPTCY CASE- BE SPECIFIC?!! Your attorney already executed the document as an attorney for XXXX XXXX XXXX XXXX, not in it 's individual capacity, but solely as \" TRUSTEE '' for the RMAC TRUST, Series XXXX! So which is it?? First, are you a \" Law Firm '', or are you a \" Debt Collector ''? Do you have a CURRENT LICENSE to practice either or both in California? What client did you represent in my Federal Bankruptcy case? If it was XXXX XXXX XXXX XXXX, for the RMAC Trust, Series XXXX - then WHY do you NOT have any documents related to that trust, and my loan?? If you work for the loan Servicer, XXXX XXXX XXXX XXXX XXXX, WHY did you file a Creditor 's Proof of Claim as attorney for the XXXX XXXX XXXX . as \" trustee '' for the RMAC Trust, Series XXXX?? If you truely represent XXXX XXXX, XXXX XXXX, or the investors in my Federal Bankruptcy case, why did you NOT DISCLOSE THIS, AND GIVE ME THE DOCUMENTS I REQUESTED, ... and you MUST LEGALLY COMPLY WITH?? WHO ARE YOU?? WHAT IS IT \" YOUR BUSINESS '' to inject yourself in my Federal Bankruptcy Case?? You better produce answers quick, as you have committed A FEDERAL CRIME UNDER THE FALSE CLAIMS ACT : 851. False Claims18 U.S.C. 152 ( 4 ) Subsection ( 4 ) of Section 152 sets out the  offense of filing a false bankruptcy claim. A \" claim '' is a document filed in a bankruptcy proceeding by a creditor of the debtor. It is sometimes also called a \" proof of claim. '' For the purposes of this section the nature of the claim is immaterial -- i.e., the claim can be secured or unsecured, liquidated or unliquidated, disputed or undisputed. A \" false '' claim is one that is known by the creditor to be factually untrue at the time the claim is filed. Subsection ( 4 ) provides : A person who ... knowingly and fraudulently presents any false claim for proof against the estate of a debtor, or uses any such claim in any case under title 11, in a personal capacity or as or through an agent, proxy, or attorney ; ... shall be fined ..., imprisoned ..., or both. The elements of a false claim violation are : that bankruptcy proceedings had been commenced ; that defendant presented or caused to be presented a proof of claim in the bankruptcy ; that the proof of claim was false as to a material matter ; and that the defendant knew the proof of claim was false and acted knowingly and fraudulently. United States v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Cir. ), cert. denied, XXXX XXXX XXXX ( XX/XX/XXXX ). A claim can be asserted by a creditor whether or not it is reduced to judgment, whether the claim is liquidated, unliquidated, fixed, contingent, mature, unmatured, disputed, undisputed, legal, equitable, secured or unsecured. United States v. XXXX, XXXX XXXX XXXX, XXXX ( XX/XX/XXXX denied ) ( XXXX Cir. XX/XX/XXXX ), appeal after remand XXXX XXXX XXXX ( XX/XX/XXXX ). Since the falsity of a claim, in most cases, is obvious, the key issue frequently becomes what was the defendant 's state of mind at the time of the filing of the claim. Good faith is a complete defense to this charge. The filing of a false claim is not a crime where there was a good faith belief in its accuracy. United States v. XXXX, XXXX XXXX XXXX, XXXX ( reh'g denied ) ( XXXX Cir. XX/XX/XXXX ), appeal after remand XXXX XXXX XXXX ( XX/XX/XXXX ). A proof of claim is not false merely because it may be inaccurate or erroneous in any or all respects. The claim may be asserted by a creditor in good faith even though the moneys being sought are thereafter successfully disputed by the debtor or disallowed by the Bankruptcy Court. Instead, a proof of claim is false if the statements contained therein are intentionally inaccurate and submitted without any good faith basis for the claim and are not the result of some mistake or clerical error or inadvertent omission. United States v. XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. ), cert. denied, XXXX XXXX XXXX ( XX/XX/XXXX ), appeal after remand, XXXX XXXX XXXX XXXX XXXX Cir. XXXX ), cert. denied, XXXX XXXX XXXX ( XX/XX/XXXX ) ( quoting above instruction with approval ). [ cited in XXXX XXXX ] ANSWER THE FOLLOWING QUESTIONS TRUTHFULLY AND COMPLETELY, AND DO NOT \" PRETEND '' THAT YOU DO NOT KNOW THE ANSWER, OR THAT YOU HAVE NO INFORMATION ON THE SUBJECT MATTER : XX/XX/XXXX 2nd Modified Demand for Information on my Proof of Claim in Chapter XXXX Bankruptcy Court ( Case # XXXX ) United States Bankruptcy Court : XXXX District of California : XXXX XXXX Division RE :  OBJECTION TO PROOF OF CONFIRMATION OF CHAPTER XXXX PLAN Dear XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX ( XXXX XXXX ) and XXXX XXXX XXXX ( XXXX XXXX ), and the Aldridge Pite LLP. , located at XXXX XXXX XXXX , XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA. XXXX, I am in receipt of your answered correspondence dated XX/XX/XXXX. We demand to know WHOM you work for, in relation to your representation as \" attorneys for XXXX XXXX XXXX XXXX, not in it 's individual capacity but solely as trustee for the RMAC Trust, Series XXXX., in the XX/XX/XXXX OBJECTION TO CONFIRMATION OF CHAPTER XXXX PLAN, which was prepared and filed by XXXX XXXX XXXX @ Aldridge Pite LLP., in my Federal Chapter XXXX bankruptcy case ( # XXXX ), In your XX/XX/XXXX answer, in writing, to us, ... you stated that you were \" unable '' to produce any documentation, including, but not limited to, the Pooling and Servicing Agreement, for the RMAC Trust, Series XXXX. You stated that our address of XXXX XXXX XXXX XXXX, CA. XXXX, the address on our loan, and our loan number was \" unfamiliar to you, and that we were NOT in your system '', therefore you were UNABLE to give us the information that we requested, and is our right to inspect. If you filed an OBJECTION TO CONFIRMATION OF CHAPTER XXXX PLAN in my Chapter XXXX bankruptcy case on XX/XX/XXXX, WHY then, would you have NO INFORMATION regarding this trust you state you are representing? ( RMAC Trust, Series XXXX )?? You state in this document that you are attorneys REPRESENTING the XXXX XXXX XXXX XXXX not in it 's individual capacity, but solely as trustee for the RMAC Trust, Series XXXX : IS THIS IN FACT WHOM YOU REPRESENT? If you do in fact legally \" REPRESENT '' XXXX XXXX XXXX XXXX not in it 's individual capacity but solely as trustee for the RMAC Trust, Series XXXX as their attorney, or in any other capacity, or agency, WHY would you NOT have any records relating to my loan ( XXXX ) and /or Property located at XXXX XXXX XXXX XXXX , CA. XXXX. Did XXXX XXXX XXXX execute or prepare, or any agent or representative of XXXX XXXX XXXX execute or prepare the XX/XX/XXXX OBJECTION TO CONFIRMATION OF XXXX XXXX PLAN in the XXXX XXXX XXXX XXXX case # XXXX for debtor XXXX XXXX? If XXXX XXXX XXXX did NOT execute/prepare/file this document from Aldridge Pite LLP, who did? Does Aldridge Pite LLP., DENY that they have a client that they \" REPRESENT '', either as an attorney or attorneys, or in any debt collection capacity by the name of XXXX XXXX XXXX XXXX not in it 's individual capacity but solely as trustee for the RMAC Trust, Series XXXX OR XXXX XXXX XXXX XXXX XXXX .? Is XXXX XXXX XXXX XXXX XXXX., a client of Aldridge Pite LLP , and did they request an execution/filing of an OBJECTION TO CONFIRMATION OF CHAPTER XXXX PLAN in my XXXX XXXX Bankruptcy case in XXXX XXXX , CA. CASE # XXXX XXXX XXXX on XX/XX/XXXX? Is Aldridge Pite LLP. a \" DEBT COLLECTOR '' for either XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. , XXXX XXXX , XXXX XXXX XXXX XXXX not in it 's individual capacity but soley as trustee for the RMAC Trust, Series XXXX? Is XXXX XXXX XXXX XXXX XXXX., a client of Aldridge Pite LLP. in relation to Loan # XXXX? Under what AUTHORITY does XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX interest themselves, and inject themselves, as \" agents/attorneys '' for Aldridge Pite , LLP, in my Federal Bankruptcy Case ( XXXX XXXX CASE # XXXX )? What business do they have filing documents in my Chapter XXXX Bankruptcy Case ( CASE # XXXX )? Under what authority, and for WHOM do they file FRAUDULENT DOCUMENTS in my FEDERAL Bankruptcy Case # XXXX United States Bankruptcy Court : XXXX District of California-XXXX XXXX Division. Does Aldridge Pite LLP., work in ANY CAPACITY, for investors of the XXXX Asset Backed Ceritificates Trust, XXXX XXXX? Is Aldridge Pite LLP., or ANY of it 's agents or atttorneys filing FRAUDULENT DOCUMENTS in my California Chapter XXXX Case # XXXX for any INVESTOR, or Financial Firm? Are you \" REPRESENTING, OR COLLECTING '' for the XXXX XXXX  XXXX XXXX int in it 's individual capacity but solely as trustee for the RMAC Trust, Series XXXX, AND/OR for investors or financial firms for the XXXX ASSET BACKED CERTIFICATES TRUST, SERIES XXXX. Is Aldridge Pite LLP., or any of it 's agents/attorneys/debt collectors working on behalf of XXXX XXXX , ( The XXXX XXXX XXXX XXXX XXXX )? Why has XXXX XXXX XXXX XXXX, not in its individual Capacity but solely as trustee for the RMAC Trust, Series XXXX filed FRAUDULENT Corporate Assignment of Deed of Trust on XX/XX/XXXX in the XXXX XXXX County Recorders Office, claiming that they are the owner and trustee of my loan secured by my property at XXXX XXXX XXXX, CA. XXXX?? Why did XXXX XXXX AND their attorney / debt collection firm, Aldridge Pite LLP, file a FRAUDULENT PROOF OF CLAIM on XX/XX/XXXX ( which is a FEDERAL CRIME- FALSE CLAIMS ) in my Chapter XXXX Bankruptcy Case in XXXX XXXX , CA.? Why is XXXX XXXX for the RMAC Trust, Series XXXX FALSELY CLAIMING to be OWNER and HOLDER of my note, secured by my property at XXXX XXXX XXXX, CA. XXXX, if, as you claim, they have NOTHING to do with my home loan, or property? And WHY are your attorneys/debt collectors, Aldridge Pite LLP filing the Proof of Claim, as YOUR representatives, in my bankruptcy case? WHO ARE YOU, AND WHAT ARE YOU CLAIMING YOU ARE OWED??\nPLEASE RESPOND WITHIN FIVE BUSINESS DAYS OF THIS DEMAND FOR INFORMATION. SINCERELY, XXXX XXXX","date_sent_to_company":"2017-08-09T15:11:25.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Mortgage debt","zip_code":"93551","tags":null,"has_narrative":true,"complaint_id":"2635431","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Aldridge Pite, LLP","date_received":"2017-08-08T20:08:04.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Seized or attempted to seize your property"},"highlight":{"complaint_what_happened":["Under what authority, and for WHOM do they file FRAUDULENT DOCUMENTS in my FEDERAL <em>Bankruptcy</em> Case # XXXX <em>United</em> <em>States</em> <em>Bankruptcy</em> Court : XXXX <em>District</em> of California-XXXX XXXX Division. Does Aldridge Pite LLP., work in ANY CAPACITY, for investors of the XXXX Asset Backed Ceritificates Trust, XXXX XXXX? Is Aldridge Pite LLP., or ANY of it 's agents or atttorneys filing FRAUDULENT DOCUMENTS in my California Chapter XXXX Case # XXXX for any INVESTOR, or Financial Firm?"]},"sort":[19.74501,"2635431"]},{"_index":"complaint-public-v1","_id":"15862790","_score":19.405853,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, OH XXXX To Whom It May Concern, I am writing to formally dispute the alleged debt that you have placed in collections under my name. I recently discovered this debt, which you claim originated from XXXX ( XXXX ). However, as you may be aware, XXXX XXXX XXXX, along with affiliated debtors, filed for XXXX  XXXX on XX/XX/XXXX, in the United States Bankruptcy Court for the Southern District of Texas, Case No. XXXX ( XXXX ). Subsequently, on XX/XX/XXXX, the cases were converted to XXXX  XXXX proceedings. \n\n\nUnder the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, I am requesting the following : 1. Validation of the Debt- Provide proof that I legally owe this debt, including the original signed agreement and a detailed payment history. \n\n2. Proof of Your Legal Right to Collect - Documentation showing that XXXX legally acquired this debt and that it was not XXXX in XXXX 's bankruptcy. \n\n3. Proof That This Debt Is Still Enforceable - A statement confirming that the debt has not been XXXX or rendered uncollectible due to XXXX 's bankruptcy. \n\n\nIf you can not provide proper validation of this debt, I request that you cease all collection efforts, remove this account from my credit report, and confirm in writing that this matter is resolved. \n\n\nFurthermore, if you continue reporting this debt without proper validation, I am prepared to file disputes with the Consumer Financial Protection Bureau ( CFPB ), my state 's Attorney General, and the Federal Trade Commission ( FTC ) for potential violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA. \n\n\nPlease provide the requested information within 30 days of receiving this notice. If you fail to do so, I will assume this debt is invalid and will demand its immediate removal from my credit report. \n\n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-10-03T19:59:57.000Z","issue":"Attempts to collect debt not owed","sub_product":"Medical debt","zip_code":"84015","tags":null,"has_narrative":true,"complaint_id":"15862790","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TekCollect Inc.","date_received":"2025-09-12T02:20:28.000Z","state":"UT","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":["However, as you may be aware, XXXX XXXX XXXX, along with affiliated debtors, filed for XXXX  XXXX on XX/XX/XXXX, in the <em>United</em> <em>States</em> <em>Bankruptcy</em> Court for the Southern <em>District</em> of Texas, Case No. XXXX ( XXXX ). Subsequently, on XX/XX/XXXX, the cases were converted to XXXX  XXXX proceedings. \n\n\nUnder the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, I am requesting the following : 1."],"sub_issue":["Debt was already discharged in <em>bankruptcy</em> and is no longer owed"]},"sort":[19.405853,"15862790"]},{"_index":"complaint-public-v1","_id":"1455828","_score":19.353422,"_source":{"product":"Mortgage","complaint_what_happened":"I filed a Bankruptcy in XX/XX/XXXX my Bk was discharged I included the Mortgage and the charge off of the mortgage in my bankruptcy. The bank is Bank of America in 5 years thye have not released the lien nor have they taken my name off the property I am being held liable for all the expenses that are incurring on the property. Iahve called them several times they say they reconcongize the mortgage and the chargeoff and it was included in my bankruptsy they are saying I tried to do a loan MOD which is not correct they will not show me any paperwork or anything I have been dealing with this for 5 years now it is causing me financial hardship and stress. \n\nThen Bank Of America Responded : Response disputedBank of America Home Loan Servicing said : Explanation of closureNothing contained herein is intended to be, nor shall anything herein be construed as : ( a ) the commencement or continuation of any action to recover a claim against you that arose prior to the filing of your bankruptcy case, ( b ) an effort to obtain possession of any property in your bankruptcy estate, ( c ) any other action in violation of the automatic stay that may be in effect in your bankruptcy case, or ( d ) any violation of any discharge injunction that may have been entered as a result of your bankruptcy case. This letter is solely a response to your request for mortgage assistance and is not a demand for payment or an attempt to collect a debt. You are not obligated to enter into a modification or other workout agreement. Please inform your bankruptcy counsel, if you have XXXX, that you have requested a loan modification or other workout assistance from Bank of America. In addition, any workout assistance that you may be eligible for may require bankruptcy court approval before going into effect.According to our records, on XX/XX/XXXX, you filed a voluntary petition under Chapter XXXX of the United States Bankruptcy Code in the United States Bankruptcy Court. Furthermore, the U.S. Bankruptcy Court Central District of California records indicate that the Chapter XXXX bankruptcy was discharged on XX/XX/XXXX, and subsequently closed on XX/XX/XXXX. Additionally, we have confirmed this loan was not reaffirmed.Please note my research indicates there is no record of a loan modification review during the time of servicing by Bank of America. Please understand that the following information is provided for informational purposes only. Our records indicate the loan was paid through the XX/XX/XXXX installment. Further research reveals that the account was charged-off. Please note a charge-off does not release you from liability of the Note. Please see the enclosed copy of the mortgage note for your reference.Therefore, we respectfully decline your request to pay any taxes or fines incurred since the loan was discharged in XX/XX/XXXX. In order to satisfy the account, you may set up monthly payments or settle on the account. If you are interested in exploring these options, please contact our XXXX XXXX XXXX Monday through Thursday from XXXX to XXXX and Friday from XXXX. to XXXX Eastern at XXXX. \n\n***My Response is I did file a BK on the Mortgage and the Charge off According to several different attorneys they are supposed to release the lien and they are not compliant and Bank of America has recongized that my loan was discharged in bankruptsy, however they have not provided me with a release of the lien. I am demanding that they release the lien the on the property so that I may sell my property. \n\nI Have been leaving several Messages since there response and no one has returned my phone calls.","date_sent_to_company":"2015-07-08T13:52:50.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional adjustable mortgage (ARM)","zip_code":"92886","tags":null,"has_narrative":true,"complaint_id":"1455828","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2015-07-07T14:46:26.000Z","state":"CA","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Please inform your <em>bankruptcy</em> counsel, if you have XXXX, that you have requested a loan modification or other workout assistance from Bank of America. In addition, any workout assistance that you may be eligible for may require <em>bankruptcy</em> court approval before going into effect.According to our records, on XX/XX/XXXX, you filed a voluntary petition under Chapter XXXX of the <em>United</em> <em>States</em> <em>Bankruptcy</em> Code in the <em>United</em> <em>States</em> <em>Bankruptcy</em> Court. Furthermore, the U.S."]},"sort":[19.353422,"1455828"]},{"_index":"complaint-public-v1","_id":"2545559","_score":18.731718,"_source":{"product":"Mortgage","complaint_what_happened":"The Law Office  of   XXXX   XXXX   XXXX   XXXX   XXXX   and/or their attorney ( s ),     XXXX   XXXX   XXXX   or   XXXX   XXXX   XXXX   ma de an unauthorized change to the deed of the consumer,    XXXX   XXXX   XXXX   on or abo  ut  XX/XX/XXXX  wit hout proper signature. Additio nally, Wells Fargo  diverted several thousands of dollars of mortgage payments paid by    XXXX   XXXX   XXXX    to  Wells Fargo Home Mortgage  to their attorney  ( s ). T he amounts obvious to have been granted on  a  XX/XX/XXXX   statement indicate s three ( 3 ) payments w ere for attorney cost all on the date of   XX/XX/XXXX . P aymen t ( 1 ) {$830.00}, ( 2 ) {$550.00} ( 3 ) {$400.0 0} ; totaling {$1700.00} with additionally evidence of > {$14000.00} was placed in a suspense account and never applied. There is sufficient evidence that the mortgage payment account was assessed a \" foreclosure service fee '', \" advertising cost '', \" recording fees '', \" foreclosure attorney cost '', \" title cost '', and \" bankruptcy attorney fees ''. Foreclosure service fees {$970.00}, Advertisement costs &  XXXX , recording fees {$1700.00}, foreclosure attorney costs {$1700.00}, title cost {$2100.00}, and {$2300.00}. None of these costs or diversions in mortgage payments were consented to not did     XXXX   XXXX   XXXX   agree to   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   or   XXXX   XXXX   XXXX   XXXX   reversion of deed or representation in behalf of consumer,   XXXX   XXXX   XXXX   when it comes to alterin g   the deed on her home known as    XXXX   XXXX   XXXX   XXXX  , VA  XXXX  with a total investment in just the pr operty being {$160000.00}. The action and conduct of these individuals were halted  three tim es prior to     XXXX   XXXX   XXXX     ruling in the lower cour t (   XXXX   XXXX   XXXX   General District Court ) by the actions of consumer   XXXX   XXXX   XXXX   and the higher court ( United   States  District Court-  XXXX   . ) ( 1 ) C onsumer    XXXX   XXXX   XXXX   o pened a case against    XXXX   XXXX   XXXX   XXXX   XXXX   in   XXXX   XXXX   XXXX   Circuit Court ( 2 ) c onsumer  XXXX   XXXX   XXXX  further halted a foreclosure sale by appearing with currency from a DOJ Consent Order from the    XXXX   XXXX   case ( 3 ) th e final action was by the United S tates District Court- XXXX  . on    XX/XX/XXXX ,  just  one da y befor e   XXXX   XXXX   XXXX   d ecision in the lower court on the basis of a foreclosure sale. It was never made known to consume r   XXXX   XXXX   XXXX   that s he was to pay these attorn ey ( s ), for a foreclosur e sale that did not occur, or the  XXXX , much more deprive her own family and allow the  Commonwealth of Virginia, et al. including but not limited to the Judge ( s ) in   XXXX   XXXX   XXXX   County, V A to attack her family ( parents, a woman on a cane, a  XXXX  aunt and many others ), whom greater than  10-15 persons  have directly been impacted in  XXXX  &  XXXX   County, V A as a result of the violent conduct of  XXXX   XXXX   XXXX   and/or poli ce officers threats to them, their children ( at minimum  XXXX  children who were both ages  XXXX  and under at the time of the incidents ) and their homes. Further greater than  XXXX  in the  XXXX   XXXX   XXXX  has met some contact as a result. There will be no release of liability in this matter as there have been too many affected by these individuals conduct. The    XXXX   XXXX   Company  to    XXXX   XXXX     XXXX   XXXX  . i s  Wells Fargo Home  Mortgage, which is the mortgage company of the consume r   XXXX   XXXX   XXXX   as  the consumer has no mortgage or debts wi th   XXXX   XXXX  .","date_sent_to_company":"2017-06-14T21:19:40.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"231XX","tags":null,"has_narrative":true,"complaint_id":"2545559","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2017-06-14T20:34:07.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The action and conduct of these individuals were halted  three tim es prior to     XXXX   XXXX   XXXX     ruling in the lower cour t (   XXXX   XXXX   XXXX   General <em>District</em> Court ) by the actions of consumer   XXXX   XXXX   XXXX   and the higher court ( <em>United</em>   <em>States</em>  <em>District</em> Court-  XXXX   . ) ( 1 ) C onsumer    XXXX   XXXX   XXXX   o pened a case against    XXXX   XXXX   XXXX   XXXX   XXXX   in   XXXX   XXXX   XXXX   Circuit Court ( 2 ) c onsumer  XXXX   XXXX   XXXX  further halted a foreclosure"]},"sort":[18.731718,"2545559"]},{"_index":"complaint-public-v1","_id":"4248959","_score":18.44426,"_source":{"product":"Mortgage","complaint_what_happened":"Homeowner : XXXX XXXX XXXX XXXX : Shellpoint Mortgage Servicing Loan Number : XXXX Property : XXXX XXXX XXXX XXXX MD XXXX I filed for bankruptcy in XXXX after failed attempts on my own for a loan modification. With the help of my bankruptcy lawyer I was able to complete all requested documentation for a loan modification and received a letter dated XX/XX/XXXX ( attached ) agreeing to a trial period. \n\nI made all payments during the trial period XXXX bank payment history attached ). In XX/XX/XXXX, I contacted Shellpoint to inquiry of the status of the permanent modification, I was informed an agent of the bankruptcy attorney ( XXXX XXXX ) contacted Shellpoint the day before ( XX/XX/XXXX ) to request a forebearance. No documentation of this call can be found. No documentation was sent to me or my attorney indicating they were honoring a forebearance request. XXXX accepted all payments from me. \n\nMy attorney ( XXXX XXXX XXXX ) was informed the trial payments would not be honored and I would have to apply for a loan modification again. I began the process again and sent all required documentation. In follow up I was told Shellpoint never received my documentation. So I sent the documentation again. Still Shellpoint claims they did not receive. I have forwarded all documentation a total of XXXX XXXX times. From my personal fax machine, from XXXX  XXXX XXXX 's fax machine 2 times, from Attorney XXXX 's fax machine, it was mailed and emailed from me and XXXX XXXX to a supervisor 3 times. \n\nAt of today XX/XX/XXXX, Shellpoint is not taking calls - every call I've made to Shellpoint I speak with the first representative, today it was XXXX, before being transferred to the bankruptcy department, then I'm on hold for XXXX minutes before they disconnect. \n\nMy chapter XXXX bankruptcy will be finalized on XX/XX/XXXX. I have lived in this house for 18 years and now I am looking for a place to rent as a bankruptcy has lowered by credit and I am not eligible to buy another home. \n\nMy experience with Shellpoint has been horrible through no fault of my own. Before they were Shellpoint they was XXXX who filed for bankruptcy before that there was another company. Every few years the company files for bankruptcy and changes their name. Throughout all of this somehow in XXXX an FHA loan for # XXXX was opened on my house that I did not know about. \n\nAs a result of their company practices I am part of a federal case involving people who called stole mortgage payments under the disguise of being a mortgage fixer Criminal Case # XXXX United States XXXX XXXX et al. \nReference is made to the above-cited criminal case that is pending in the U.S. District Court in XXXX, Virginia. As you are likely aware, you are named as a victim in the case. \n\nI am victim on several fronts not only with this criminal case but with Shellpoint. I filed for bankruptcy not because I have credit bill I could not pay. Because I have a mortgage company that was not working with me. I don't have credit cards, I am Substance Abuse/Mental Health Counselor, I have student loans, I have a car payment, I have the usual life bills ( utilities, medical, internet ) I make {$45000.00} a year and this company and their practices have financially bankrupted me, ruined by credit and have emotionally stressed me to the point of distress. \n\nAnything you can do to bring this company 's business practices to an end and make them follow regulations and not hid under the \" debt collector '' status is appreciated.","date_sent_to_company":"2021-03-26T20:16:04.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"21215","tags":null,"has_narrative":true,"complaint_id":"4248959","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2021-03-26T18:45:07.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["As a result of their company practices I am part of a federal case involving people who called stole mortgage payments under the disguise of being a mortgage fixer Criminal Case # XXXX <em>United</em> <em>States</em> XXXX XXXX et al. \nReference is made to the above-cited criminal case that is pending in the U.S. <em>District</em> Court in XXXX, Virginia. 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