23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is regarding account # XXXX for Brite Financial. 

This is a dispute letter regarding an account for Brite Financial Services. 
I originally purchased a vehicle for a 12-month lease on or about XXXX. Once the 12-month lease was up, I had the option to either turn the vehicle in and they will bill me the disposition fee or take it out of my original down payment of {$970.00}, or if I still needed the vehicle, I would have to put down another down payment for an additional 12 months. I opted to return the vehicle, which I was informed by the account rep that I had until XXXX to return the car without any additional fees being added. The account rep also informed me that if there was any damage or additional fees ( disposition fee ) that it would be taken out of my initial down payment or I would be billed for whatever amount remained. 
When I returned the vehicle on or about XXXX ( I had purchased another vehicle several days prior ) I was also informed that if there were any additional fees that did not apply towards my initial down payment that I would be billed. 

1 year later, I checked my credit report and the finance company of Brite Financial, has recorded a charge off amount of {$12000.00} with a 39-month term and a monthly payment of {$310.00} on my both my XXXX and XXXX credit files, and {$6300.00} for 12 months on another with a monthly payment of {$150.00} on my XXXX credit file. 

My agreement was for 12 months with the option to lease again at the end of my 12 months and a monthly payment of {$150.00}. As of XXXX/XXXX/XXXX, this company was paid a total of {$7000.00} from XXXX to XXXX. This vehicle was returned on time with no additional monies owed. 

Furthermore, I contacted the company in XXXX XXXX to ask for my credit report to be adjusted from the amount owed/charged off amount of {$6300.00} to be corrected. The account manager then informed me that the amount that is seen is what was financed and not owed. At this point the finance company is refusing to correct their issue. After I disputed this issue in XXXX XXXX, Brite Financial sent me an email, with a settlement offer for {$220.00} ( for an amount I did not owe ). I asked that if I paid the amount would they removed it off of my credit report, I was told no. 

I have since called the dealership in which I leased the vehicle ( XXXX ), to request a copy of the signed leased ( I have moved since I purchased the vehicle and a lot of paperwork was lost ). I was informed by the Sales Manager that they were under new management and that they no longer have those files ( he did attempt to look for my file in their system ).  I was then told to call the finance company, which I did. I asked if there was any way that I could get a copy of the signed leased and I was told no and that I basically had no rights to dispute. I was told to pay the {$220.00} and that the charged off amount would remain on my all of my credit reports for the allotted time. I have disputed this issue with the credit bureaus several times and still no resolution
Product: Credit card or prepaid card

On XX/XX/2019, I called XXXX and requested a {$10000.00} transfer from my XXXX XXXX XXXX XXXX XXXX ( Barclays ). The person I was working with was XXXX, ID XXXX. I asked her to transfer the monies to my checking account in XXXX XXXX, giving her the routing & account number ... Upon completion of the telephonic transaction, I was given reference # XXXX as a confirmation. I was told by XXXX that the monies would be deposited in my bank account no more than 10-15 days. 
On XX/XX/2019, I checked my bank account & called the bank to find out that the transfer had never arrived to my account. I then called the XXXX XXXX XXXX XXXX ( Barclays ) was connected to someone named XXXX who worked in the Back Office. 
I explained the situation regarding the transfer. XXXX said that the money had been transferred to the same account I had given her but to a person named XXXX XXXX. 
Since I did not know an XXXX XXXX and wondered why it was not transferred to my bank account became extremely problematic. XXXX said that it was sent to the same account number, but to a different person. I asked her how this could happen and XXXX said that the person had made an error on the paper work & that it was not sent to my bank as requested. She said that she had never seen someone with the same account number. XXXX opened a case # XXXX and assured me that it would be resolved within a months time. 
Shortly after the last conversation, I received my XXXX XXXX XXXX statement that showed I owed {$10000.00}. The {$100.00} was a service fee. Payment for the {$100.00}. would be due by XX/XX/2019. I called the phone number of the customer service ( XXXX ) and spoke with 2 persons ( XXXX XXXX XXXX ). They were of no help, so I requested a manager who might be familiar with my case. I spoke with XXXX and she assured me that no payments would be necessary until the matter was resolved. My concern was never receiving the monies and how this would possibly affect my credit. XXXX did state that a letter would be forthcoming that would give an explanation that no monies would be required until the issue was resolved. 
A letter dated XX/XX/2019 from Barclays, XXXX XXXX XXXX, XXXX, DE XXXX stated that " a balance transfer in the amount of {$10000.00} to XXXX XXXX was posted to my account on XX/XX/2019 ''. It then mentioned that it would now take 60 days to complete the investigation. 
To my relief, on the back of my statement from XXXX XXXX ( Barclays ), it was written that I have 60 days after the error appear on my statement to notify them in writing. It said you may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.
Product: Credit card

WUpon reviewing the documents related to my wisdom teeth removal payment through Care Credit, I noticed that the XXXX was mentioned, but there was no mention of the interest charges that would be applied if the total balance was not paid off by. Despite originally owing {$1800.00}, as of XX/XX/year>, I am being informed that I now owe {$2400.00} due to not meeting the promotional period deadline. I am puzzled as to how my current debt exceeds the initial amount from the beginning of this payment plan, especially after making payments for a total of XXXX  months. This situation is quite concerning and raises doubts about the legitimacy of this company.
Product: Credit reporting

I have tried twenty times to get my free report from Equifax. They keep saying I am giving them the wrong information even though i absolutely am not. They are trying to get me to pay for the report instead of having to give it to me for free.
Product: Credit card or prepaid card

Comenity Bank XXXX XXXX XXXX Credit Card THIS IS MY SECOND COMPLAINT AGAINST THIS COMPANY IN LESS THAN A YEAR. After dealing with payment issues ( not receiving proper monthly statements, etc. ) all summer of 2022, I finally paid off the entire balance of my credit card in XX/XX/2022. Unknowing to me, this company decided to still apply finance charges after the pay off and then also applied late fees on this finance charge. Now the late fees and finance charges are capitalizing on top of each other and increasing. I STILL NEVER RECEIVED STATEMENTS. Now they have reported delinquency on my credit report ... over {$6.00} dollars. This is insane and abusive towards a consumer. If statements were sent properly from the get go in the summer of 2022, I would have never had to deal with this headache... twice now.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and request.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate information on my credit report. Under 15 U.S. Code 1681e ( b ), collections must be 100 % accurate across all three credit bureaus. The information I am disputing is as follows : You have failed to respond to any of my disputes that were mailed out this year and I mean any of them. 

XXXX  - XXXX - As directed by the FCRA, I am expecting written notification of the outcomes of your investigation, inclusive of any removals or amendments to my report arising from this dispute as stipulated under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ). I would also appreciate an updated copy of my report that reflects these changes, I kindly request the immediate removal of any erroneous or unsupported material from this page, as it gravely deviates from the expected standards and undermines the integrity of the information presented. 

XXXX - XXXX - As directed by the FCRA, I am expecting written notification of the outcomes of your investigation, inclusive of any removals or amendments to my report arising from this dispute as stipulated under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ). I would also appreciate an updated copy of my report that reflects these changes, I kindly request the immediate removal of any erroneous or unsupported material from this page, as it gravely deviates from the expected standards and undermines the integrity of the information presented. 

XXXX XXXX - XXXX - As directed by the FCRA, I am expecting written notification of the outcomes of your investigation, inclusive of any removals or amendments to my report arising from this dispute as stipulated under 15 U.S.C. 1681i ( a ) ( 6 ) ( A ). I would also appreciate an updated copy of my report that reflects these changes, I kindly request the immediate removal of any erroneous or unsupported material from this page, as it gravely deviates from the expected standards and undermines the integrity of the information presented. - I have previously requested that you investigate this information, and you have failed to rectify the errors present in my credit report. This is not the appropriate time for an update ; I demand that you promptly DELETE this inaccurate information from my credit report. 

XXXX - XXXX - Please verify. - I do not recognize this at all - please remove this inaccuracy as I do not believe it even belongs to me I request validation of this debt under 15 U.S. Code 1692g - Validation of debts. If the information is not provided or the false reporting is not removed, as in XXXX XXXX Trans Union Corp, XXXX. XXXX ( XXXX XXXX. XX/XX/XXXX ), you may be liable for willful non-compliance. Failing that, the items must be deleted from the report as soon as possible. 

Please investigate this matter and correct the inaccurate information at the earliest. I have attached copies of my credit report with the disputed items highlighted for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I have a Capital One platinum master card. It is shown on my credit report that I had a missed/late payment on XXXX of 2018. It is the only one in over 1 year and a half. I am 100 % sure that the payment was made and that Capital One did not process it quick enough. It is impacting my credit score now heavily.
Product: Credit card or prepaid card

I am getting a lot of credit card offers which I have to spend considerably time shredding every week. For instance I get offers from CapitalOne, XXXX XXXX, XXXX  ( not a credit card company I think but they still send me a lot of material ) The problem is that I have tried to opt out but they ask me for my first and last name. Here 's the catch though : the credit card offers I receive have my first and last name reversed. E.g. instead of XXXX XXXX, I appear as XXXX XXXX ( not my real name obviously ). 
So I am not sure how to opt out. That is, when I get asked about my name should I provide my correct legal name or just use the wrong name that they use in the promotional material they inundate me with? 
I worry that if I use my correct name I may keep receiving credit card offers as my name won't match against their database. I also worry that if I supply my name as they have it in their database ( i.e. with the first and last names reversed ) I may be breaking some law as I have to click a button that says that the information I provide is truthful.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Charge Off from Capital for the amount of {$2600.00} and {$2100.00} is negatively affecting my credit report. I have filed several disputes and no resolution has been made. 

As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or outdated. I am exercising this right to dispute the charge off on my credit report. 

Furthermore, under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 USC 6801, credit bureaus are required to maintain the accuracy and integrity of the information they report. The charge off on my credit report does not meet this requirement. 

In addition, I would like to bring to your attention that charge offs are considered gross and ordinary income under the Internal Revenue Code, and as such, should be reported as such on Form 1099-C by the creditor. Failure to issue a 1099-C for the charge off may result in penalties for the creditor.
Product: Consumer Loan

Wal-Mart Credit Card account XXXX with Synchrony Bank throughout the period I had an account they double charged payments by trying to take the same amount out a second time for the same amount as I made the payment. Last payment they did the same thing, my banking institution caught it and reversed the charge. Synchrony Bank once again accused me of bouncing a check and closed my account. I have never paid late. This is unfair activity by Synchrony Bank ; I received a letter of their acquisitions. Treating consumers this way needs to stop ASAP.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I was looking at new phones on XXXX store and when I'm at the check out section there was an option to pay in full or finance. 

I clicked on finance to see more information and was led to third party bank website by www.synchrony.com, on this website it asked me to enter the last 4 numbers of my social security and phone number, WHICH I DID NOT ENTERED AND LEFT! 

a few minutes later I got emails saying that there was a credit hard inquiry on my experian from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is an unauthorized credit check! no where did I allowed this, no I did not give out my social security number! 
I have tried to call the number above but it tells me to get support from their online website and I tried but it went no where, it's not easy to reach the right person! 

I request XXXX XXXX XXXX XXXX XXXX to fix this by contacting all the credit agencies that they pulled my information from and request that the bureau remove it from my report.
Product: Payday loan, title loan, or personal loan

To Whom it may concern, I have tried to work with Net Credit and its customer service representatives over the phone, but I have not received acceptable results. In addition, I have read my contract, but the contract is not defined. For example, nothing in the agreement states interest rates or what percentage of my payments are going back to my principal balance because the contract hides the facts of the line of credit payment facts from consumers. 


Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing as a federally protected consumer with the right to privacy. According to the policy of Congress, each financial institution is required to uphold an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of nonpublic personal information. This includes ensuring the protection and confidentiality of customer records and information, protecting against anticipated threats or hazards to the security or integrity of such records, and guarding against unauthorized access to or use of these records or information, which could result in substantial harm or inconvenience to the consumer. 

I am disputing the late payments reflected on my credit report, as they are inaccurate and have caused significant harm to my livelihood. These errors have placed unnecessary financial strain on my ability to provide for my children, secure affordable housing, and pursue better opportunities for my familys future. 

These financial institutions have violated the following Federal rules and regulations 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication 4681 The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence. For refernce, my FTC complaint account number is 182065106
Product: Credit reporting

To whom it may concern, I mailed several letters of dispute last one being certified on XX/XX/XXXX in regards how XXXX Mortgage is reported on my credit report. Once again within a few days it comes back as verified. XXXX is reportinb me to be anywhere from 30 to 90 says late and being over 100,000 behind. They only purchased my mortgage in XXXX from another servicer. In XXXX I obtained a government modification which at that time my acct was at a XXXX past due and my new payment became XXXX a month. It does not add up. I am given the run around when it comes to verification. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA it states the CBA is required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and am requesting the blocking and deletion of certain unauthorized accounts and inquiries that have appeared on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights under these federal protections and formally request the immediate removal of the following unauthorized items : Unauthorized Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} Unauthorized Inquiries : XXXX. XXXX XXXX - Inquiry Dates : XX/XX/XXXX ( XXXX inquiries ) XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX & XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Dates : XX/XX/XXXX ( XXXX inquiries ) XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Dates : XX/XX/XXXX ( XXXX inquiries )
Product: Credit card

Paypal made a hard inquiry on my XXXX credit report on XXXX/XXXX/2015. This was not authorized and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear EQUIFAX : Please be advised that you are reporting the wrong Public Record information on my credit report. Please delete and/or remove the Bankruptcy from my report as it does not belong to me and is being reported in error : Record Type : Bankruptcy chapter XXXX-discharged, Filing Date : XX/XX/2013, Amount : {$0.00}, Reference Number : XXXX Court : US BKPT CT WA XXXX. 

I will await an updated copy of my credit FILE to reflect these changes. Thanking you in advance. Sincerely, XXXX XXXX, any help you can give me with updating this information as soon as possible would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Product: Student loan

Re : Privacy Violation I am writing to formally file a complaint regarding a serious breach of my personal and financial information, which was compromised without authorization due to government negligence. The severity of this breach can not be overstated. The compromise of my personal and financial data has resulted in potential risks that could affect my privacy and financial stability. The negligence in protecting my data violates federal law and undermines my trust in the systems designed to protect my educational records. The Family Educational Rights and Privacy Act ( FERPA ) requires stringent guidelines to maintain the confidentiality of student records. My personal information, including but not limited to my financial details, has been exposed due to a breach that violates FERPA. This incident highlights a serious failure by the XXXX XXXX to fulfill its duty to safeguard student information.