23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In a nutshell, Bank of America 's Premium Award Visa credit card ( " Credit Card '' ) is improperly denying consumer credit-card disputes by limiting categories of supporting documentation it will accept on its dispute portal. 

I had purchased something on the Credit Card that did not work at all as advertised. I had documented how this did not work via a video on my phone. Because of the type of product that did not work, only a video ( not photos ) sufficed to show how the product didn't work. I then disputed the charge with Bank of America around XX/XX/year>. 

Upon disputing the charge, Bank of America 's portal asked for supporting documentation, but it did not support video files. The size of the video also was too large for Bank of America 's portal, so even if its portal supported video files, the videos would not have been able to upload. 

I wrote a letter to Bank of America explaining the above and asked Bank of America to provide some alternative way for me to get the videos to Bank of America showing that the item did not work. Bank of America responded with a boiler-plate letter saying it needed supporting documentation, but this letter was generalized and did not address my specific issue of not being able to upload videos. 

I then wrote another letter to Bank of America stating that I have evidence in the form of videos, want to provide it, and asked how to get them the videos. In response, Bank of America denied my claim, citing a lack of supporting documentation. 

This is clearly wrong to do to consumers. Bank of America 's portal to upload documentation is extremely limited and outdated, accepting only certain file types and having a very small size limit. This gives Bank of America an easy out to improperly deny disputed claims.
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. Account name : XXXX Account # XXXX never been late or missed a payment. Account # XXXX Account name : XXXXXXXX XXXX XXXX not mine Account name : XXXX XXXX XXXX Account # XXXX, Account Name XXXX not mine bank Account # XXXX Account name XXXX XXXX  Account XXXX not mine Account name : XXXX XXXX XXXX not mine Account # XXXX incorrect personal information Address XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Address XXXX XXXX XXXX XXXX violated my rights 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: Debt collection

Hello to whom this may concern, I want to file the following complaint : I started receiving calls from an unknown number that said it was spam in XXXX, my phone auto-rejects spam calls, however this number persisted to call me. I finally answer the call when I notice it's the same exact number that has called various times, upon answering the phone the person tells me they are from " Nationwide Recovery Systems '', I informed them, that I didn't want any calls from them, and that I was sending them a cease and desist letter asking for proof of this debt. I informed the rep that I only wanted correspondence via mail. They continued to try to talk to me, and disregarded my request, so I hung up. I received calls XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Then XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and the XXXX of 2020. I didn't receive a collection letter from this company until XX/XX/XXXX. 
I verbally told them XX/XX/XXXX that I would mail the letter mentioned above. I sent the letter XXXX certified, on XX/XX/XXXX I I reminded them a letter was headed there way when they had called and not to call me. they continued to call me the XXXX, XXXX, XXXX, and XXXX anyway ignoring my request. So I told the rep on the XXXX that I previously had said not to call and had sent a letter. He started arguing with me telling me they had never called. I told him I was going to record the call, because at this point they were harassing me, and violating my rights with this aggressive illegal practice. I had to hang up on him, because he was so rude. I asked if the calls were recorded, and he never answered me. The certified letter was received on the XXXX. I am including screenshots of my call log from this agency and the receipt for the certified letter, I sent to request that they communicate via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago, I suppressed my information with XXXX from sharing my information with any credit reporting agency or anyone. I had my information suppressed through both XXXX and their sub-company XXXX. In XX/XX/XXXX, I spoke with a representative that verified that my information and the law prohibits them from sharing any information up to and including public records. I have also disputed negative information being reported on my credit report with Equifax, XXXX, XXXX and XXXX and neither company will correct the information. The most recent response I receive via email from Equifax on XX/XX/XXXX was the information they are reporting is accurate and that it was verified through XXXX. Now I wonder how that could be possible when per XXXX all my information with them is suppressed and frozen and they are forbidden by law to report any information pertaining to any aspect of my person, however Equifax, XXXX, and XXXX on every occasion of dispute has verified that their information they receive is accurate and it was provided to them by XXXX. I information should have always been suppressed/frozen with XXXX from several years ago, when I became a victim of from around XX/XX/XXXX, however per a representative from XXXX unfortunately the suppression was compromise and it was being reported. Suppression numbers for XXXX XXXX & XXXX, XX/XX/XXXX & XX/XX/XXXX. XXXX per Equifax, XXXX and XXXX is in violation of privacy law, practices, information, policies and procedures. These above-named companies have caused me great stress duress and financial losses due to their blatant disrespect for the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son 's address appears on my report. 
ie : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX. XXXX XXXX NJ XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX   PA, The above addresss do not belong to me. Please remove from my report. 
Hopefully my son 's credit score is not mixed with mine. Please investigate and make sure my SS is not confused with his.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Last XXXX SSN # XXXX XX/XX/XXXX Dispute Department Experian P.O, Box XXXX XXXX XXXX Texas XXXX To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. 

Sincerely, XXXX XXXX Enclosed : Identity Theft Affidavit Identification Documents Notice to Furnishers Fraudulent Accounts : XXXXXXXX XXXX  Account XXXX XX/XX/XXXX {$10000.00} FRAUDULENT INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX FRAUDULENT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a XXXX  XXXX XXXX XXXX, through XXXX, the loan servicer is Bridgecrest out of XXXX Arizona. 
Basically, they are takign my money and principal reduction payments and applying them toward interest. I have called many times and written in, still they are not applying my principal reduction payments toward principal. 
so, every month i pay XXXX for the car and XXXX toward principal reduction, so i pay {$600.00} total. they keep only processing it as a regular payment. 
Additionally, to PROVE this, i wrote a check with " To be applied to principal reduction ONLY '' on the check, along with a letter explaining the issue and that it should XXXX applied TO PRINCIPAL ONLY ( letter below ) They took this, and also applied it toward interest! 
This company is SCAMMING people on a large scale!! 
I HAVE PAID {$1600.00} this month on a XXXX car payment, and they have me PAST DUE FOR {$29.00}!! 
**I have the check to prove it, the letter i wrote, AND a recorded phone call with bridgecrest showing their tactics ( the go silent on the phone when you call in after making you hold for 30 minutes, then they wont speak, and wait for you to hang up!! ) its deplorable! 
PLEASE stop this company from scamming good people trying to pay off their car! 



MY LETTER THAT WAS ENCLOSED WITH MY CHECK TO BRIDGECREST IS ATTACHED.
Product: Credit reporting

I have an account with XXXX Bank, A Secured credit card, I paid the balance, and I have resolved the account and they still would not remove the tradeline. I called sent emails and contacted the company and I 'm not getting any positive responses, after they said they would remove after payment. I have attached a letter from the collection company stating its paid and i have no debt with them so they should remove the tradeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report- XXXX is being reported as a charged off. Account # XXXX. Yet, I am paying BLINC - This account is not settled or charged off.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX  XXXX Balance : {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Dear CFPB, I have written to Transunion credit bureau on several occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) disputing the fact that the accounts below are not my account ( s ) and or /incorrect. I have requested that Trans union investigate these account and delete them from my credit report, there response was VERIFIED AS ACCURATE AND UPDATED and contact the creditor. So I contacted the creditors listed below and asked them to validate the debt and all three creditor ( XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX   XXXX ) failed to validate the debt. Next I sent Transunion a 2nd request  letter asking them how did thy verify the accounts and to send me the proof used to verify the debt was main sense the creditors could not or would not send me proof that the accounts was main. Once again Transunion continues to responded was the accounts was verified and accurate ( even when I sent them documentation that XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX FAILED TO VALIDATE THE DEBT ) see uploaded attached file. The 3rd letter was sent on XX/XX/XXXX pointing out to them that all three creditors fail to validate the debt and demanded that they remove / delete these account from my credit report. Let this be a formal complaint against Transunion, the following accounts are items that Transunion has refused to investigate/validate and correct/delete from my credit report : account 1.  XXXX XXXX XXXX Account 2. XXXX XXXX Account 3. XXXX XXXX XXXX  Thank You
Product: Credit card or prepaid card

I called on XX/XX/XXXX to report an odd XXXX dollar charge I didnt recognize. I was told I would receive a replacement card in a day. 
I wasnt sent a Chase United Visa, instead I was switched to a MasterCard with no numbers embossed. I was never told that I should expect a change in card, brand and terms.

I called and had to agree to language that I had authorized the switch to Mastercard, when I never did. XXXX  from Texas filed a complaint only after in insisted and used passive aggressive language that would not acknowledge the failures of the Fraud Department. Repeatedly, I was denied a supervisor.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/2017 I contacted all 3 credit bureaus to dispute inaccurate information reporting on my credit report. I supplied them with the accounts in question and it is now XX/XX/XXXX2017 and I have not heard from Transunion or XXXX at all regarding these matters. Additionally, XXXX 's only response to my dispute was to send me a copy of my credit report with nothing to show the outcome of my disputes in question. This is completely unprofessional and a violations of my rights as consumer. This inaccurate information has kept me from obtaining new credit. Please remove it immediately. I have attached each letter that went out to the credit bureaus to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and TransUnion have reported a 30-day late payment from XXXX XXXX XXXX XX/XX/XXXX I have previously disputed. I reached out to XXXX XXXX on this matter and they told me it was paid 3 days within the statement date and should not be reporting as late on my consumer report. I sent a letter via mail on XX/XX/XXXX asking to mark it as OK on my consumer report. I received a late response from XXXX and TransUnion via mail explaining the account has been verified. In return caused my credit score to drop dramatically affecting my livelihood. XXXX never sent any mail. I sent out a 2nd round of letters on XX/XX/XXXX asking how they verified the account, I dont agree with the results of your investigation. Please mail me proof of your investigation or remove the negative information. XXXX and TransUnion sent a letter back saying " THIS ACCOUNT HAS BEEN UPDATED ''. XXXX didn't send a letter. I would like my XXXX points to get put back on my credit score from the dispute and the late payment marked as OK. It has been brought to my attention several violations according to 15 us 1681s, 15 us 1681a, 15 us 1681a-2 a few among others.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Lvnv funding has maintained that I owe them the amount of {$660.00} for a original creditor by the name of XXXX XXXX XXXX XXXX Nowhere on my Consumer Report can XXXX XXXX XXXX  be found even in my closed accounts. I have attempted to obtain verification and a chain of command of debt signature release which has not been provided on my Consumer Report this lvnv funding is listed closed but yet it is still present on my Consumer Report which is impacting my ability to move forward with my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a certified letter to Transunion, XXXX, and XXXX. In that letter, I pointed out multiple violations and inaccuracies contained on my credit report from creditor XXXX, account number XXXX. The incorrect information being reported is coming from the same creditor, so why do we have such incongruent information across all three credit bureaus. Everything is all over the place, we have different date last active, we have a different date last paid, we have different credit limits, we have a totally incongruent payment history. My dispute dated XX/XX/2022 came back as verified from the credit bureaus but the violations has not been updated. 

The FCRA states that information being reported must be 100 % accurate and credit bureaus are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the reporting agency has a reasonable cause to believe is inaccurate.
Product: Credit reporting or other personal consumer reports

I filled a dispute on the following accounts : XXXX XXXX XXXX/ XXXX  : XXXX, According to ( 1 ) 15 USC 6802 : Obligations with respect to disclosures of personal information - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party.. i.e. Experian ( 2 ) 15 USC 1681b Permissible purposes of consumer reports -any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : B ( 2 ) in accordance WITH the WRITTEN instructions OF the consumer TO whom it relates. This addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties ** I never gave them any WRITTEN instructions to furnish anything on my consumer report so they are in direct violation of 15 USC code 1681b** Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA . ( 3 ) 18 USC 1028A - Aggravated Identity theft Whoever knowingly transfers, posses, or uses, without lawful authority, a means of identification of another person shall be sentenced imprisonment for 2 years My rights are in CLEAR violation and this is stopping me from being able to purchase a home.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX  XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Equifax, XXXX. XXXX, Equifax, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.