{"took":306,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":265,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"7195088","_score":25.41508,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"United States vs Santander Consumer USA My complaint is in reference to the class action lawsuit that was filed by the attorney general and several states, and which I was a part of the lawsuit and was awarded a check however, Santander made an agreement to remove all bad marks from Credit in reference to former consumers as it follows they are continuously holding me liable for a bad loan that was in litigation and they were found guilty of predatory loans to consumers who were at risk for default or repossession. I have contacted the attorney general in the district of Columbia and I was responded to. They also reached out to Santander to no avail they have not remove this remark from my credit report. And its been charged off 1099 IRS","date_sent_to_company":"2023-06-29T12:53:21.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"20019","tags":null,"has_narrative":true,"complaint_id":"7195088","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2023-06-29T12:21:58.000Z","state":"DC","company_public_response":null,"sub_issue":"Loan balance remaining after the vehicle is repossessed and sold"},"highlight":{"complaint_what_happened":["<em>United</em> <em>States</em> vs Santander Consumer USA My complaint is in reference to the class action <em>lawsuit</em> that was <em>filed</em> by the attorney general and several <em>states</em>, and which I was a part of the <em>lawsuit</em> and was awarded a check however, Santander made an agreement to remove all bad marks from Credit in reference to former consumers as it follows they are continuously holding me liable for a bad loan that was in litigation and they were found guilty of predatory loans to consumers who were at risk for default"]},"sort":[25.41508,"7195088"]},{"_index":"complaint-public-v1","_id":"2761974","_score":25.273735,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of Civil Action No.  XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with Equifax, XXXX, and XXXX, XXXX persist in filing negative reporting. The credit reports should read \" disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, XXXX has committed violations of the Fair Credit Reporting Act.","date_sent_to_company":"2017-12-21T16:50:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"01960","tags":null,"has_narrative":true,"complaint_id":"2761974","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-12-21T16:50:29.000Z","state":"MA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX in the <em>United</em> <em>States</em> <em>District</em> Court , <em>District</em> of Massachusetts. The subject of this <em>lawsuit</em> is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes <em>filed</em> with Equifax, XXXX, and XXXX, XXXX persist in <em>filing</em> negative reporting. The credit reports should read \" disputed '' rather than delinquent."]},"sort":[25.273735,"2761974"]},{"_index":"complaint-public-v1","_id":"2761969","_score":25.273735,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of Civil Action No. XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with XXXX, XXXX, and TranUnion, XXXX persist in filing negative reporting. The credit reports should read \" disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, XXXX has committed violations of the Fair Credit Reporting Act.","date_sent_to_company":"2017-12-21T16:50:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"01960","tags":null,"has_narrative":true,"complaint_id":"2761969","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-12-21T16:50:29.000Z","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 information incorrect"},"highlight":{"complaint_what_happened":["XXXX in the <em>United</em> <em>States</em> <em>District</em> Court , <em>District</em> of Massachusetts. The subject of this <em>lawsuit</em> is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes <em>filed</em> with XXXX, XXXX, and TranUnion, XXXX persist in <em>filing</em> negative reporting. The credit reports should read \" disputed '' rather than delinquent."]},"sort":[25.273735,"2761969"]},{"_index":"complaint-public-v1","_id":"2761956","_score":25.239607,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of XXXX XXXX XXXX. XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with XXXX, XXXX, and XXXX, Navient persist in filing negative reporting. The credit reports should read \" disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, Navient has committed violations of the Fair Credit Reporting Act.","date_sent_to_company":"2017-12-21T16:50:27.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"01960","tags":null,"has_narrative":true,"complaint_id":"2761956","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-12-21T16:26:58.000Z","state":"MA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX in the <em>United</em> <em>States</em> <em>District</em> Court , <em>District</em> of Massachusetts. The subject of this <em>lawsuit</em> is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes <em>filed</em> with XXXX, XXXX, and XXXX, Navient persist in <em>filing</em> negative reporting. The credit reports should read \" disputed '' rather than delinquent."]},"sort":[25.239607,"2761956"]},{"_index":"complaint-public-v1","_id":"2761970","_score":25.100489,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of Civil Action No. XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with XXXX, Experian, and XXXX, XXXX persist in filing negative reporting. The credit reports should read \" disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, XXXX has committed violations of the Fair Credit Reporting Act.","date_sent_to_company":"2017-12-21T16:50:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"01960","tags":null,"has_narrative":true,"complaint_id":"2761970","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-12-21T16:50:29.000Z","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 information incorrect"},"highlight":{"complaint_what_happened":["XXXX in the <em>United</em> <em>States</em> <em>District</em> Court , <em>District</em> of Massachusetts. The subject of this <em>lawsuit</em> is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes <em>filed</em> with XXXX, Experian, and XXXX, XXXX persist in <em>filing</em> negative reporting. The credit reports should read \" disputed '' rather than delinquent."]},"sort":[25.100489,"2761970"]},{"_index":"complaint-public-v1","_id":"7450970","_score":24.973337,"_source":{"product":"Debt collection","complaint_what_happened":"I received an email from XXXX and the contact persons name is XXXX XXXX. He said I owed a debt to ACS Incorporation for {$800.00}. If I do not respond and pay within 24 hours, they will file a lawsuit at United States District Court XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX, United States Against my Name and SSN. \nThey said they are in a Process to inform the Social Security Administration & major Credit Bureaus as well. \nAlso that I will receive court summons at my door steps with the cost of the lawsuit around {$4200.00}. \nThey said they would settle and let me pay {$400.00} today or bi weekly payments of {$200.00} until paid off and that once the full and final payment is received a receipt will be sent to me stating that my outstanding debt is paid in full with XXXX balance and i have no more debtors for the company and they will update the Major Credit Bureau.","date_sent_to_company":"2023-09-13T17:19:39.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"425XX","tags":null,"has_narrative":true,"complaint_id":"7450970","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"A.C.S. Companies, Inc. I","date_received":"2023-08-24T18:07:39.000Z","state":"KY","company_public_response":null,"sub_issue":"Threatened to sue you for very old debt"},"highlight":{"complaint_what_happened":["If I do not respond and pay within 24 hours, they will <em>file</em> a <em>lawsuit</em> at <em>United</em> <em>States</em> <em>District</em> Court XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX, <em>United</em> <em>States</em> Against my Name and SSN. \nThey said they are in a Process to inform the Social Security Administration & major Credit Bureaus as well. \nAlso that I will receive court summons at my door steps with the cost of the <em>lawsuit</em> around {$4200.00}."]},"sort":[24.973337,"7450970"]},{"_index":"complaint-public-v1","_id":"9775899","_score":24.485418,"_source":{"product":"Mortgage","complaint_what_happened":"Dear CFPB, I am writing to inform you of XXXX lawsuits that have been filed against Specialized Loan Servicing ( SLS ) : Suit No. XXXX filed in the United States District Court for the Middle District of Louisiana XXXX \nSuit No. XXXX filed in the XXXX Judicial District Court for XXXX XXXX XXXX XXXX XXXX XXXX XXXX State of Louisiana. \nThese lawsuits pertain to multiple violations of state and/or federal regulatory laws by XXXX. Specifically, XXXX has : Illegally changed my mailing address without my knowledge, resulting in my failure to receive pertinent correspondence regarding my account. \nIllegally added an address that is not mine to my loan account and credit report, further preventing me from receiving important correspondence. \nI have alerted various agencies to XXXX 's servicing practices, including the Federal Trade Commission 's Division of Credit Practices at XXXX XXXX XXXX XXXX, Washington XXXX XXXX XXXX, Phone : ( XXXX ) XXXX. \n\nAs a result of these actions by XXXX, any delinquency notices should be considered null and void. I have not received the proper notifications required by law, and XXXX has violated 12 CFR 1024.30-1024.41 and HUD regulations .","date_sent_to_company":"2024-08-09T17:35:51.000Z","issue":"Struggling to pay mortgage","sub_product":"FHA mortgage","zip_code":"70122","tags":null,"has_narrative":true,"complaint_id":"9775899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2024-08-09T17:29:58.000Z","state":"LA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure"},"highlight":{"complaint_what_happened":["Dear CFPB, I am writing to inform you of XXXX <em>lawsuits</em> that have been <em>filed</em> against Specialized Loan Servicing ( SLS ) : Suit No. XXXX <em>filed</em> in the <em>United</em> <em>States</em> <em>District</em> Court for the Middle <em>District</em> of Louisiana XXXX \nSuit No. XXXX <em>filed</em> in the XXXX Judicial <em>District</em> Court for XXXX XXXX XXXX XXXX XXXX XXXX XXXX State of Louisiana. \nThese <em>lawsuits</em> pertain to multiple violations of state and/or federal regulatory laws by XXXX."]},"sort":[24.485418,"9775899"]},{"_index":"complaint-public-v1","_id":"3924938","_score":24.404219,"_source":{"product":"Debt collection","complaint_what_happened":"Court Case XXXX Last Date to file Lawsuit-XXXX. \n\n\n\nWe are going to file a lawsuit in the next 24 hours at United States District Court XXXX XXXX XX/XX/XXXXXXXX XXXX # XXXX, XXXX XXXX, FL XXXX, United States against your Name and SSN. After giving several notifications we did not receive any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.This is our last warning to you ; kindly update us ASAP so that we can proceed. \n\n\nNote- If we don't receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around {$3200.00}. \n\n\nDo update us with your intention that you want to resolve this case or you want to dispute. Do revert back for any queries. \n\n\n\nThank you, ACE CASH EXPRESS. \n\nWhich is bogus I never borrowed any money. With my credit no one will give me a loan. And theyre saying I owe them XXXX crazy.","date_sent_to_company":"2020-10-28T11:46:47.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"Payday loan debt","zip_code":"94015","tags":null,"has_narrative":true,"complaint_id":"3924938","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Populus Financial Group, Inc. (F/K/A Ace Cash Express)","date_received":"2020-10-28T11:40:00.000Z","state":"CA","company_public_response":null,"sub_issue":"Sued you in a state where you do not live or did not sign for the debt"},"highlight":{"complaint_what_happened":["Court Case XXXX Last Date to <em>file</em> <em>Lawsuit</em>-XXXX. \n\n\n\nWe are going to <em>file</em> a <em>lawsuit</em> in the next 24 hours at <em>United</em> <em>States</em> <em>District</em> Court XXXX XXXX XX/XX/XXXXXXXX XXXX # XXXX, XXXX XXXX, FL XXXX, <em>United</em> <em>States</em> against your Name and SSN. After giving several notifications we did not receive any response from your side. We will consider that you are ignoring this matter and you want to dispute."]},"sort":[24.404219,"3924938"]},{"_index":"complaint-public-v1","_id":"7489194","_score":23.956348,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : CITIBANK , N.A . I write to advise you that I plan to file a lawsuit against you in the United States District Court Middle District of Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC Middle District of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.","date_sent_to_company":"2023-09-01T15:39:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7489194","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2023-09-01T15:34:52.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I write to advise you that I plan to <em>file</em> a <em>lawsuit</em> against you in the <em>United</em> <em>States</em> <em>District</em> Court Middle <em>District</em> of Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you."]},"sort":[23.956348,"7489194"]},{"_index":"complaint-public-v1","_id":"7489029","_score":23.92154,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : XXXXXXXX XXXX  XXXX AND Midland Credit Management , Inc . I write to advise you that I plan to file a lawsuit against you in the United States District Court Middle District of Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC Middle District of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.","date_sent_to_company":"2023-09-01T16:38:22.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7489029","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ENCORE CAPITAL GROUP INC.","date_received":"2023-09-01T16:38:19.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I write to advise you that I plan to <em>file</em> a <em>lawsuit</em> against you in the <em>United</em> <em>States</em> <em>District</em> Court Middle <em>District</em> of Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you."]},"sort":[23.92154,"7489029"]},{"_index":"complaint-public-v1","_id":"7489012","_score":23.91245,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : Comenity Bank XXXX AND XXXX XXXX XXXX XXXX XXXX. I write to advise you that I plan to file a lawsuit against you in the United States District Court Middle District of Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC Middle District of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.","date_sent_to_company":"2023-09-01T16:38:15.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7489012","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bread Financial Holdings, Inc.","date_received":"2023-09-01T16:19:01.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I write to advise you that I plan to <em>file</em> a <em>lawsuit</em> against you in the <em>United</em> <em>States</em> <em>District</em> Court Middle <em>District</em> of Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you."]},"sort":[23.91245,"7489012"]},{"_index":"complaint-public-v1","_id":"4624735","_score":23.592905,"_source":{"product":"Checking or savings account","complaint_what_happened":"My Account has been locked due to my weekly unemployment benefit I'm currently receiving from the State of New York. I've attempted to resolve the issue with Chime & have my account unlocked but all my efforts have so far proven abortive. I've provided Chime with my Unemployment Benefits Approval Letter, State ID as well as Proof of Address as of XX/XX/2021 but Chime has refused to unlock my account. Please kindly assist me in unlocking my account & retrieving my trapped funds being held up by Chime. \n\nSuch actions by Chime constitutes a clear violation of Banking Laws. If Chime continues to lock my Account, I'll have no other option but to file a Lawsuit against Chime at the United States District Court for the XXXX District of New York inorder to recover my funds.","date_sent_to_company":"2021-08-12T15:50:51.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"100XX","tags":null,"has_narrative":true,"complaint_id":"4624735","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2021-08-12T15:24:26.000Z","state":"NY","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["If Chime continues to lock my Account, I'll have no other option but to <em>file</em> a <em>Lawsuit</em> against Chime at the <em>United</em> <em>States</em> <em>District</em> Court for the XXXX <em>District</em> of New York inorder to recover my funds."]},"sort":[23.592905,"4624735"]},{"_index":"complaint-public-v1","_id":"14519760","_score":23.52438,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"complainant XXXX XXXX XXXX has for several months attempted to resolve this issue with Transunion it took 3 months for TransUnion to comply with a lawful court order on name change From XXXX XXXX XXXX to XXXX XXXX XXXX in addition to Transunion ignoring the previous complaints filed already with the Consumer protection Bura on this very matter. \n\ni am requesting a investigation by the Consumer protection bureau in this matter in addition XXXX XXXX XXXX mailed a XXXX demand letter to TransUnion demanding the exact corrections and in such advised them if not corrected in XXXX  days a federal lawsuit will be filed in the United States District court XXXX for repeated violations of my consumer protected rights.","date_sent_to_company":"2025-07-08T17:27:58.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"344XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"14519760","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-08T17:03:44.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["i am requesting a investigation by the Consumer protection bureau in this matter in addition XXXX XXXX XXXX mailed a XXXX demand letter to TransUnion demanding the exact corrections and in such advised them if not corrected in XXXX  days a federal <em>lawsuit</em> will be <em>filed</em> in the <em>United</em> <em>States</em> <em>District</em> court XXXX for repeated violations of my consumer protected rights."]},"sort":[23.52438,"14519760"]},{"_index":"complaint-public-v1","_id":"7489163","_score":22.656235,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : Bank Of America , N.A . I write to advise you that I plan to file a lawsuit against you in the United States District Court Middle District of Florida Orlando Division due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.","date_sent_to_company":"2023-09-01T16:04:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7489163","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-09-01T15:58:44.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I write to advise you that I plan to <em>file</em> a <em>lawsuit</em> against you in the <em>United</em> <em>States</em> <em>District</em> Court Middle <em>District</em> of Florida Orlando Division due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you."]},"sort":[22.656235,"7489163"]},{"_index":"complaint-public-v1","_id":"7487988","_score":22.622065,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : First National Bank of Omaha AND XXXX XXXX XXXX I write to advise you that I plan to file a lawsuit against you in the United States District Court Middle District of Florida XXXX Division due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.","date_sent_to_company":"2023-09-01T19:26:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7487988","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIRST NATIONAL BANK OF OMAHA","date_received":"2023-09-01T19:17:51.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["To : First National Bank of Omaha AND XXXX XXXX XXXX I write to advise you that I plan to <em>file</em> a <em>lawsuit</em> against you in the <em>United</em> <em>States</em> <em>District</em> Court Middle <em>District</em> of Florida XXXX Division due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you."]},"sort":[22.622065,"7487988"]},{"_index":"complaint-public-v1","_id":"3152637","_score":22.616127,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"i received as part of and lawsuit settlement from transunion an credit monitoring product called my true identity this product was to continue for 3 years and give me full access to all functions of the website. \n\nhttp : //www.XXXX/ The class action settlement was approved on XX/XX/XXXX, by the federal court in XXXX XXXX. Letters were mailed to all class members on XX/XX/XXXX, containing information about credit monitoring services. \nUNITED STATES DISTRICT COURT NORTHERN DISTRICT OF CALIFORNIA Background Infomation XXXX XXXX XXXX and XXXX XXXX XXXX ( the Class Representatives ) both filed class action lawsuits against TransUnion relating to the erroneous display, on certain credit file disclosures obtained online in XXXX, of information about the Office of Foreign Assets Control ( OFAC ). The lawsuits were filed under the Fair Credit Reporting Act ( FCRA ). \n\nThe XXXX XXXX and TransUnion have reached a settlement of the lawsuits. The settlement provides that TransUnion will write a letter of apology to each class member, explaining that the OFAC information was included in the online disclosure due to a programming error, but was not transmitted to any third parties such as lenders. TransUnion corrected the programming error in XXXX, soon after it occurred. Further, TransUnion will offer each member a free, three-year Credit Monitoring Subscription, which includes daily access to TransUnion credit reports and daily access to a credit score. \n\nupon establishing this account i can not use the dispute process and have been transferred to many..many transunion representatives to no success in using the website or transunion contacts even including the special handling and attorney representatives as well. \n\ni believe i am being discriminated against because the of the lawsuit settlement. \n\nthis has been the same ongoing practice since XXXX XXXX. \n\ni have filed complaint after complaint and still no resolve.","date_sent_to_company":"2019-02-14T21:24:35.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92630","tags":null,"has_narrative":true,"complaint_id":"3152637","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2019-02-14T20:13:11.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["<em>UNITED</em> <em>STATES</em> <em>DISTRICT</em> COURT NORTHERN <em>DISTRICT</em> OF CALIFORNIA Background Infomation XXXX XXXX XXXX and XXXX XXXX XXXX ( the Class Representatives ) both <em>filed</em> class action <em>lawsuits</em> against TransUnion relating to the erroneous display, on certain credit <em>file</em> disclosures obtained online in XXXX, of information about the Office of Foreign Assets Control ( OFAC ). The <em>lawsuits</em> were <em>filed</em> under the Fair Credit Reporting Act ( FCRA )."]},"sort":[22.616127,"3152637"]},{"_index":"complaint-public-v1","_id":"7534298","_score":22.579954,"_source":{"product":"Debt collection","complaint_what_happened":"Address for service of lawsuits To : Admin Recovery , LLC. Re : Your XX/XX/ correspondence in violation of my cease & desist notice as to XXXX XXXX XXXX XXXX XXXX I write to advise you that I plan to file a lawsuit against you in the United States District Court XXXX XXXX of Florida XXXX Division due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC Middle District of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.","date_sent_to_company":"2023-09-12T14:51:47.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7534298","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Admin Recovery, LLC","date_received":"2023-09-12T14:35:08.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Address for service of <em>lawsuits</em> To : Admin Recovery , LLC. Re : Your XX/XX/ correspondence in violation of my cease & desist notice as to XXXX XXXX XXXX XXXX XXXX I write to advise you that I plan to <em>file</em> a <em>lawsuit</em> against you in the <em>United</em> <em>States</em> <em>District</em> Court XXXX XXXX of Florida XXXX Division due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you."]},"sort":[22.579954,"7534298"]},{"_index":"complaint-public-v1","_id":"2724388","_score":22.345905,"_source":{"product":"Debt collection","complaint_what_happened":"I was received a letter from The Circuit Court for XXXX XXXX of Maryland stating plaintiff : Utah Loan Servicing , LLC has put in a motion for Default Judgment in the amount of {$130000.00} for a loan that I borrowed from XXXX XXXX  XXXX on XX/XX/XXXXXXXX for a single unit property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX. \n\nI believe I owe Utah Loan Servicing none of this amount ( {$0.00} ) as I was a victim of subprime lending and part of the National Mortgage Settlement filed with the United States District Court for the District of XXXX in which Maryland was one of the states who alleged XXXX XXXX XXXXXXXX, F/K/A : XXXX XXXX XXXX XXXX. All of whom collectively state these banks violated the Unfair and Deceptive Acts and Practices laws of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989. I also received a check from the XXXX XXXX XXXX on XXXX/XXXX/XXXX in the amount of : {$1400.00} as my portion of the amount of the lawsuit settlement. I am asking for your office 's assistance in helping me to resolve this matter with Utah Loan Services","date_sent_to_company":"2017-11-08T22:19:41.000Z","issue":"False statements or representation","sub_product":"Mortgage debt","zip_code":"20874","tags":null,"has_narrative":true,"complaint_id":"2724388","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Utah Loan Servicing, LLC","date_received":"2017-11-08T20:31:25.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I believe I owe Utah Loan Servicing none of this amount ( {$0.00} ) as I was a victim of subprime lending and part of the National Mortgage Settlement <em>filed</em> with the <em>United</em> <em>States</em> <em>District</em> Court for the <em>District</em> of XXXX in which Maryland was one of the <em>states</em> who alleged XXXX XXXX XXXXXXXX, F/K/A : XXXX XXXX XXXX XXXX. All of whom collectively state these banks violated the Unfair and Deceptive Acts and Practices laws of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989."]},"sort":[22.345905,"2724388"]},{"_index":"complaint-public-v1","_id":"2724477","_score":22.233635,"_source":{"product":"Debt collection","complaint_what_happened":"I was received a letter from XXXX XXXX XXXX for XXXX XXXX of Maryland stating plaintiff : XXXX XXXX XXXX , XXXX has put in a motion for Default Judgment in the amount of {$130000.00} for a loan that I borrowed from XXXX XXXX XXXX on XX/XX/XXXX. for a single unit property located at XXXX XXXX XXXX XXXX , XXXX , Maryland XXXX. \n\nI believe I owe XXXX XXXX XXXX  none of this amount ( {$0.00} ) as I was a victim of subprime lending and part of the National Mortgage Settlement filed with the United States District Court for the District of Columbia in which Maryland was one of the states who alleged XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX. All of whom collectively state these banks violated the Unfair and Deceptive Acts and Practices laws of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989. I also received a check from the XXXX XXXX XXXX on XX/XX/XXXX in the amount of : {$1400.00} as my portion of the amount of the lawsuit settlement. I am asking for your office 's assistance in helping me to resolve this matter with XXXX XXXX XXXX","date_sent_to_company":"2017-11-08T22:19:45.000Z","issue":"False statements or representation","sub_product":"Mortgage debt","zip_code":"20874","tags":null,"has_narrative":true,"complaint_id":"2724477","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WMC MORTGAGE, LLC","date_received":"2017-11-08T22:19:43.000Z","state":"MD","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["I believe I owe XXXX XXXX XXXX  none of this amount ( {$0.00} ) as I was a victim of subprime lending and part of the National Mortgage Settlement <em>filed</em> with the <em>United</em> <em>States</em> <em>District</em> Court for the <em>District</em> of Columbia in which Maryland was one of the <em>states</em> who alleged XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX. All of whom collectively state these banks violated the Unfair and Deceptive Acts and Practices laws of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989."]},"sort":[22.233635,"2724477"]},{"_index":"complaint-public-v1","_id":"6104467","_score":21.649452,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is a formal complaint as a consumer my consumer rights have been violated. This is also a formal complaint pursuant to XXXX, XXXX XXXX XXXX LexisNexis XXXX XXXX XXXX XXXX, XXXX XXXX LexisNexis XXXX XXXX Management XXXX XXXX XXXX XXXX \nXXXX XXXX. XXXX United States District Court for the Eastern District of Virginia The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This means that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report it should not be there.\n\nThis is a violation. I never gave written instructions to furnish any of the following accounts. \n\nAccount : XXXX XXXX XXXX XXXX Account : XXXX XXXX Bankruptcy - Reference # : XXXX Please provide any original signatures bearing my signature that I consented to this to be reported on my consumer report. \n\nI've also read information as a consumer eligible under the settlement pursuant to XXXX, XXXX XXXX XXXX  LexisNexis XXXX XXXX XXXX XXXX, XXXX XXXX LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX. XXXX United States District Court for the Eastern District of Virginia The lawsuit claims that the Defendants failed to timely retrieve and report updates to judgment, tax lien and landlord tenant records such as lien releases, satisfactions of judgments and dismissal of landlord tenant cases and also reported inaccurate and outdated motor vehicle records. Plaintiffs claim that Defendants alleged practices violated the federal Fair Credit Reporting Act ( FCRA ). Defendants deny any claim of wrongdoing.\n\nPlaintiffs also claim, in a part of the case in which the ( b ) ( 3 ) Settlement Class is involved, that Defendants did not properly respond to disputes concerning public record information in their reports and file disclosures. \n\nThis inaccurate information has caused emotionally distressed as I've disputed these accounts for months just to be notified that were deemed to fail in providing any information regarding my disputes.","date_sent_to_company":"2022-10-19T17:23:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"009XX","tags":null,"has_narrative":true,"complaint_id":"6104467","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2022-10-19T16:41:27.000Z","state":"PR","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX <em>United</em> <em>States</em> <em>District</em> Court for the Eastern <em>District</em> of Virginia The law clearly <em>states</em> the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates."]},"sort":[21.649452,"6104467"]},{"_index":"complaint-public-v1","_id":"3815774","_score":21.51792,"_source":{"product":"Checking or savings account","complaint_what_happened":"Santander Bank indicated that the block placed on my XXXX XXXX  Checking account ending in XXXX and my Santander Savings account ending in XXXX were removed from my accounts on XX/XX/2020. \n\nHowever that's a false claim. \n\nSince XX/XX/2020 I've made multiple attempts to login to both my Online Banking & Mobile Banking but both platforms remained locked by Santander Bank. \n\nTo the Best of my knowledge, Santander Bank continues to lie to both to the Consumer Financial Protection Bureau ( CFPB ) and to the Office of the Comptroller of the Currency ( OCC ). \n\nSuch actions by Santander Bank constitutes a clear violation of Banking Laws.\n\nIf Santander Bank continues to lock my Account, I'll have no other option but to file a Lawsuit against Santander Bank at the United States District Court for the XXXX XXXX of New York..","date_sent_to_company":"2020-08-27T07:26:41.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"331XX","tags":null,"has_narrative":true,"complaint_id":"3815774","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER BANK, NATIONAL ASSOCIATION","date_received":"2020-08-27T03:07:37.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["If Santander Bank continues to lock my Account, I'll have no other option but to <em>file</em> a <em>Lawsuit</em> against Santander Bank at the <em>United</em> <em>States</em> <em>District</em> Court for the XXXX XXXX of New York.."]},"sort":[21.51792,"3815774"]},{"_index":"complaint-public-v1","_id":"6743552","_score":21.043537,"_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":["Litigation <em>filed</em> 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 <em>United</em> <em>States</em> <em>District</em> Court for the <em>District</em> of Columbia issued a partial summary judgment decision finding that the Receiver retained"]},"sort":[21.043537,"6743552"]},{"_index":"complaint-public-v1","_id":"11136647","_score":20.427422,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"hey there, Recently i been going over my contract with CREDIT ACCEPTANCE after my repossesion and notice that my contract was not a fair deal as a whole. My car loan started on XXXX XXXX and repossessed on XX/XX/XXXX. They are still saying that i owe a balance of {$13000.00} after roughly 2 years of payments. \nI am absolutely positive that i am a victim of CREDIT ACCEPTANCE trap for Hiding Auto Loan Costs, Setting Borrowers Up to Fail. On XX/XX/XXXX, the Bureau and New York Attorney General XXXX XXXX filed a joint lawsuit in the United States District Court. I would like to know if i am still eligible to participate in this settlement. I would like to receive monetary compensation and for credit acceptance to delete these accounts from all 3 of my credit reports for damages to my credit score and repossession which resulted in me having to reconstruct my transportation arrangements. If this is not possible i will definitely look to getting a lawyer to look over my contract and investigate.","date_sent_to_company":"2024-12-12T19:55:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27616","tags":null,"has_narrative":true,"complaint_id":"11136647","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2024-12-12T18:36:15.000Z","state":"NC","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":["On XX/XX/XXXX, the Bureau and New York Attorney General XXXX XXXX <em>filed</em> a joint <em>lawsuit</em> in the <em>United</em> <em>States</em> <em>District</em> Court. I would like to know if i am still eligible to participate in this settlement. I would like to receive monetary compensation and for credit acceptance to delete these accounts from all 3 of my credit reports for damages to my credit score and repossession which resulted in me having to reconstruct my transportation arrangements."]},"sort":[20.427422,"11136647"]},{"_index":"complaint-public-v1","_id":"7488060","_score":20.266617,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : XXXX XXXX XXXX XXXX XXXX AND LVNV Funding LLC I write to advise you that I plan to file a lawsuit against you in the United States District Court XXXX XXXX of Florida XXXX Division due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC XXXX XXXX of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.","date_sent_to_company":"2023-09-01T19:26:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7488060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Resurgent Capital Services L.P.","date_received":"2023-09-01T19:26:54.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["To : XXXX XXXX XXXX XXXX XXXX AND LVNV Funding LLC I write to advise you that I plan to <em>file</em> a <em>lawsuit</em> against you in the <em>United</em> <em>States</em> <em>District</em> Court XXXX XXXX of Florida XXXX Division due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you."]},"sort":[20.266617,"7488060"]},{"_index":"complaint-public-v1","_id":"7487836","_score":20.220444,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To : Trans Union I write to advise you that I plan to file a lawsuit against you in the United States District Court XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. 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However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.","date_sent_to_company":"2023-09-01T19:45:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32836","tags":"Older American","has_narrative":true,"complaint_id":"7487836","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-09-01T19:41:39.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["To : Trans Union I write to advise you that I plan to <em>file</em> a <em>lawsuit</em> against you in the <em>United</em> <em>States</em> <em>District</em> Court XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. 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