23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I am reporting BRIDGECREST ACCEPTANCE CORPORATION ( sponsor ) and BRIDGECRESTXX/XX/XXXXXXXX XXXX XXXX ( depositor ), XXXX XXXX ( XXXX ), for securities fraud, money laundering and interference of commerce. I tended in the endorsed contract as payment of the loan obligation ( negotiable instrument ) per XXXX cfr XXXX ( a ) - XXXX ( a ) which BRIDGECREST dishonored. 
Per XXXX XXXX This should result in an automatic discharge of this debt obligation. After reviewing the car contract I have come to realize the agreement was between BRIDGECREST and XXXX per XXXX CFR XXXX. Also per XXXX CFR XXXX, Regulation Z and the Truth in Lending Act The finance charge of {$21000.00} was supposed to be paid to me and BRIDGECREST never did. 

Per their indenture agreement with XXXX XXXX XXXX ( Indenture Trustee ), BRIDGECREST is supposed to be paying me back the principal amount plus interest of the loan as they securitized my contract and applications. They are trading my securities on the primary and secondary treasury markets without compensating me. Per your SEC filings, Rule XXXX, XXXX XXXX BRIDGECREST have no recourse liability for credit losses on retail installment contracts arranged and held by third-party providers but use third-party providers for your approval process. This is language and securities fraud! 
BRIDGECREST, with the help of their indenture trustee XXXX XXXX XXXX and trustee ( XXXX XXXX XXXX XXXX XXXX ) have been transferring and trading my car/loan contract. 
They can no longer have the right demand any further payments from me as they have been a break in the chain of the title which was transferred to their Trust ( BRIDGECREST XX/XX/XXXX 
They can not transfer the title as holder in due course. The contract is hence void. 

Down payment : XXXX ( the credit arranger for this transaction ) made me pay a down payment of {$2900.00} for this retail installment contract. Per the Truth in Lending Act a down payment is the sum of all charges. 
So I owe NOTHING on this loan. 


I have suffered emotional distress and economic hardship as a result of negative credit reporting on my credit by BRIDGECREST. 
I have made lawful changes to contract and subsequently revoked the power of attorney and security interest BRIDGECREST had over me yet they are still threatening to reposes my truck.
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX I sent a letter asking all Credit Reporting Agencies to send method of verification of debt which all fail to do so. Which they had 15 days to respond From the second dispute receipt of the letter. I have not received anything from no credit reporting agency. Please see attached documents that were submitted to all credit reporting agencies.
Product: Credit card

I had opened an XXXX XXXX visa credit card ( Synchrony ) at XX/XX/year>. At XX/XX/XXXX XXXX XXXX ROOMSTOGO.COM charged me two time at same day. The first transaction amount was {$260.00} and the second transaction amount was {$370.00}. I had never purchased any thing from ROOMSTOGO.COM. I was not authorized these two transactions. So I disputed these two transactions twice. My first dispute request sent at XX/XX/year> which was not successful and I sent the second disputed request at XX/XX/year> which was failed as well. On the other hand, the XXXX XXXX Visa card company ( Synchrony ) keep charging me interest fee and late fee month by month. By the way the attachment shows the previous account number after I reported lost/stolen the card number was different, but all the balance transferred to the account that I provided. Synchrony had record for all the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited XXXX  days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or removed anything. 

So i asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything.
Product: Mortgage

I lost my job 4 years ago, so I tried to get help with a Hamp loan modification. Nationstar told me I was not in enough hardship and denied the modification. I had to file bankruptcy so I worked XXXX sometimes XXXX jobs to make my over {$700.00} house payments. I could not miss payments because of my bankruptcy. Now I tried again to get help because I ca n't find a part time job any longer. Again I was denied because not enough of a hardship. XXXX paycheck does n't even cover XXXX house payment. If XXXX or hamp is a federal program, why ca n't I get help now instead of when I get deeper and deeper in debt. I am XXXX XXXX XXXX old, and only have XXXX years on my loan. So what am I suppose to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX  account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection / charge-off. It's showing a balance of {$2400.00}, per the FCRA this is a violation, balance should be XXXX Date Opened : Inaccurate Balance : Should be {$0.00} High Credit : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate Date of Last Payment : Inaccurate
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. I have expressed numerous times over the years especially the past year to have EXPERIAN accurately verify my account. I have sent proof of my entity, proof of the other bureaus deleting the alleged accounts due to lack of proof. I've also expressed that I have the capacity to overstand my federally protected rights. They keep sending emails and stall letters about the dispute being accurate. They have NEVER provided me PROOF of ANY documentation of my wet-ink signature, that proves these alleged accounts belong to me. EXPERIAN has successfully humiliated me. As a consumer under my federally protected rights, I have NOT given any company, or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b. I will not keep putting up with these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ). I hope this issue can be resolved PROMPTLY! 
Also, please be aware that i'm aware of the lawsuit that the CFPB has filed against the agency EXPERIAN for falsely claiming to investigate claims properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED ON MY CREDIT REPORT WAS OPEN WITHOUT MY CONSENT AND STOPPING ME FROM BUYING A HOME FOR THE FIRST TIME
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now, I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining accounts need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the following accounts below : XXXX XXXX Balance : {$23000.00} ; XXXX XXXX Balance : {$23000.00}.
Product: Debt collection

I AM SURVIVOR OF DECLARED DISASTER DR4493 COVID 19 PANDEMIC XXXX DR 4473 EARTHQAUKES , DR 4339 HURRICANE MARIA AND DR4336 HURRICANE IRMA AND THEIR DISASTER DISRUPTION CAR ACCIDENT WITH PROPERTY LOSS. I WAS REVIEWING MY CREDIT REPORTS AND NOTICE THAT US BANK XXXX XXXX CREDIT CARD REPORTED MISSED PAYMENTS AND CHARGE LATE FEES TO THE FOLLOWING MONTHS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND I AM A SURVIVOR, ILOST ALL MY BELONGINSG DUE TO THE DISASTER HAVE A HARDSHIPSITUATION WHEN DUE TO DR4339 LOST MY JOB AND MY INCOMES AND NEWJOBS AND CONTRACTS DUE TO FALSE ACCUSATIONS AND LIVELS DAMAGES TO MY IMAGES AND DEFAMATION AND DAMAGES AND LOSSES. I HAVE NO AIDS AFTER MARIA AND IRMA HURRICANE. THIS COMPANY CHARGE LATE FEES AND MISSED PAYMENTS TO MY CREDITCARD BALANCE WHEN THEY KNOW ABOUT MY RIGHT TO AMORATORIUM AND DEFFERRED ON PAYMENTS. I CONTACTED THEM IN XX/XX/XXXX, AND MAKE A PAYMENT PLAN, BUT I COULD NOT CONTINUED DUE TO MY RIGHTS UNDER THE DISASTERS DR4473 , DR 4493 AND DR4339, AND THEY DIDNOT CARE ABOUT IT CARES ACT AND FOLLWOING BILLS AND ACT AGAINST MY RIGHTS
Product: Credit reporting or other personal consumer reports

COMPANY XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT. 

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint against Experian in regards to them reporting a public record in my consumer file. They responded as they provided me with the data furnisher of the information which was XXXX XXXX. I had contacted XXXX XXXX in regards to this matter to find out where they received this information and why it was being reported to Experian. The customer service agent, XXXX, told me they did not provide any information to Experian as my information is currently suppressed due to identity theft a few years ago. I had contacted Experian by phone on XX/XX/XXXX and again was informed that Experian verified this record with XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. I had then called XXXX XXXX back and spoke with a customer service supervisor, XXXX, who again assured me they did not verify this public record on those dates to Experian and reassured me that any information they may have on me is suppressed because of the police affadavie I provided them a few years ago. I called Experian back and was told this time they can not answer any questions for me that my file was being handled by their legal department and I would have to speak to XXXX XXXX. I am going to file a complaint with the XXXX XXXX XXXX as well.
Product: Credit reporting or other personal consumer reports

Hello There, I tried reaching out to Oportun regarding the status of my account. I called them multiple times about my account and payments. With the loss of my job, Oportun placed me into a hardship program. I was able to continue to make payments on the account. However, they have my email, number, and address to stay in communication with me. During the time Oportun did not reach out to me regarding my account they continued to let the days accumulate. Oportun has me in the system to call or text. I told them I would like communication due to financial hardship and losses in my family. They failed to communicate with me regarding my account. I called in to discuss my account the representative stated they charged off the account and your account has been sold. I dont understand why they would do this to me when I requested communication. Oportun continued to take payments but didnt follow up on my account. The balance on my credit report is incorrect and Im requested that the charge off be removed.
Product: Debt collection

East Point Recovery group has continued to call my employer, family members and landlord after I 've already provided them with my cell phone number and told them that I am working with a debt consolidation company. I even gave them my account number and phone number to that company handing my debt.
Product: Credit card or prepaid card

During XXXX XXXX Best Buy had offered a 10 % cash back reward when applying for a Best Buy credit card and using it to complete the purchase. So I had applied for XXXX and used it to complete the purchase ; in addition, I firmly recall that I had selected to receive the rewards in my credit card and had expected to see it in my next credit card statement. However, to this day I still have not seen the rewards in my credit card statement and that Best Buy and Citi ( the credit card company ) had seem to be pointing fingers at each other on the where about of my rewards. So it is my understanding that the companies are engaged in unfair and dishonest consumer financial practice in to generate fees in new credit card accounts, and without the intention to provide an actual cash reward.
Product: Credit card

I made payment of {$10000.00} on XX/XX/XXXX on my Greenlight credit card. This payment cleared my bank account on XX/XX/XXXX. As of XX/XX/XXXX, a week later, the payment has not been credited to my account, which is at its limit so I am unable to use the card. I contacted Greenlight and I was told that they have an issue with payments made on XX/XX/XXXX and that someone will get back to me in a few days. They see the payment, but can not credit the account or increase the limit or help in any way. I pay my bill in full every month, and have had no payment issues and have good credit. I find it unacceptable that the payment clears my bank account and a week later they have not given me credit, and they offer no solution. I have had regular issues with this card and crediting of payments, but this month is the worst. Please help.
Product: Credit reporting or other personal consumer reports

I am formally submitting this CFPB complaint just to notify you about the late open account, charge off and late/closed upon checking them in in my credit file. I found out that the accounts still on my credit file which are appeared as late and inaccurate the fact is, I've been paid it already. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. With your assistance, these accounts should be corrected right away : XXXXXXXX XXXX XXXXXXXX XXXX : {$530.00} Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXXXXXX Balance : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX : {$0.00} The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX # XXXX 30 days late on XXXX 2022. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of this accounts Account name Account number XXXX XXXX XXXX XXXX XXXX  services XXXX XXXX XXXX **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 USC 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and unfortunately, I need to fill the FTC report, because I am a victim of Identity theft. The issue is some scam XXXX succeeded to theft my information and opened fraudulent account with XXXX XXXX XXXX  XXXX XXXX I found fraudulent on my credit reports on XX/XX/year> and called to XXXX bank and closed it, because it is fraudulent. It got closed good standing, but still reports on my credit reports. It is fraudulent account and inaccurately reports under my name. Please delete it from my credit file.
Product: Credit reporting or other personal consumer reports

Misuse of credit report without proper consent from me.
Product: Student loan

I had made student loan payments through XXXX during the Covid forbearance time as I did not know that payments were not required. I also learned in XX/XX/XXXX that I might qualify for loan forgiveness, so I applied and my loans were transferred to FedLoans in XX/XX/XXXX. I had made payments from XX/XX/XXXX through XX/XX/XXXX. 

Once they had been transferred to FedLoans on XX/XX/XXXX, I was told I could request a refund for the payments made during the Covid forbearance period but I needed to wait for them to receive all the information from XXXX. I initially made the refund request through FedLoans on XX/XX/XXXX. I did not hear anything back, so I contacted FedLoans again on XXXX and was told that they could not find my payment history as it had " not been transferred yet '' from XXXX. I requested my payment history be mailed to me during that same phone call. I called again on XXXX, where again I was told that they could not find my payments. On XXXX, I called and they had found my payments and were initiating the refund request. I called on XX/XX/XXXX to verify that the request had been initiated, and was told it would take 60 days. I didn't hear anything for a while, so I called on XX/XX/XXXX and spoke with XXXX # XXXX who again verified that my request had been initiated, but told me it could take up to 90 days. I called again on XX/XX/XXXX and spoke with XXXX # XXXX, confirming the request once again. 

On XX/XX/XXXX, I could see in my FedLoans account online that my loan total had been increased by the amount of my payments that I had requested for refund. The added values were {$13000.00} principle and {$17.00} interest, for a total of {$13000.00}. I called that same day to see when my bank account would be issued the refund. I was told that they were waiting for the Department of Education to review the request and issue the refund. I did not receive any refunds, so I called on XXXX and was told that I was waiting on either the Dept of Education or the Dept of Treasury to issue my refund. I made several attempts to contact someone in both of those departments, but kept getting the run around about who was responsible for issuing my refund and where it might be in the process. 

I filed a report with the Ombudsman on XXXX and have received several email updates over the last 5 weeks, all saying that they do not have any more information and are still looking into the issue. Overall, the process started in XX/XX/XXXX and they are supposedly working through it. The refund for all my past Covid forbearance payments has not yet been issued to my bank account.
Product: Debt collection

I sent an email to the office that is trying to collect from me. After they received my email they proceeded to call my phone XXXX times in a row while I am work. I can not answer the phone and could lose my job over that. I did leave a message with the lady that answered the phone at your office. Since I can not take calls at work and your office is closed when I get off I asked her if I could email you. These people are relentless and have told me that they call the law office today and the trustee and was told that your office has no idea who I am. I made an offer to pay this account and they did n't take my offer the man ( Director @ XXXX XXXX will answer that number ) advised me that he would see me in court and slammed the phone in my ear. Please advise me on what I can do at this point, I am not refusing to pay they are just really rude and abusive when I talk to them. XXXX, XXXX XXXX, NY XXXX Phone No. : XXXXXXXXXXXX Fax No. : XXXX
Product: Credit card or prepaid card

In accordance to The Fair Credit Reporting Act the following financial institution Goldman Sachs have validated my rights to privacy by sharing my nonpublic personal information to a nonaffiliated third party. 

As a consumer I was not given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to any third party. As a consumer I was also not given an explanation of how the consumer can exercise that nondisclosure option.