23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to the LexisNexis Risk Solutions website, I have the right to request a copy, free of charge, of the information that LexisNexis holds about me in a C.L.U.E . ( Comprehensive Loss Underwriting Exchange ) Report. 

On XX/XX/2023, I submitted a request for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a SECOND REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted Complaint # XXXX with the Consumer Financial Protection Bureau ( CFPB ) which details LexisNexis refusal to provide me with my C.L.U.E Report with COMPLETE SOURCE DATA. LexisNexis response to the CFPB dated XX/XX/2023, failed to address my request for my C.L.U.E Report with COMPLETE SOURCE DATA in any way. 

On XX/XX/2023, I submitted a THIRD REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a FOURTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a FIFTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a SIXTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a SEVENTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted an EIGHTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted an NINTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted a TENTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted CFPB Complaint # XXXX which details LexisNexis refusal to provide me with my C.L.U.E Report with COMPLETE SOURCE DATA after ten requests. 

On XX/XX/2023, in response to my CFPB Complaint, LexisNexis provided a letter addressed to the CFPB which was, in the kindest of terms, another nonsensical mess. In their letter, LexisNexis states : RE : Request for File : On XX/XX/2023, LexisNexis mailed a copy of his file to XXXX XXXX for his review. 

LexisNexis intentionally misled the CFPB by failing to identify the exact report and/or file that they claim to have forwarded for my review. 

On XX/XX/2023, I submitted an ELEVENTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

On XX/XX/2023, I submitted my TWELFTH REQUEST for my C.L.U.E Report with COMPLETE SOURCE DATA. 

As of the date of this communication, LexisNexis is STILL refusing to provide me with my C.L.U.E Report with COMPLETE SOURCE DATA.
Product: Credit reporting

I have never lived or visited the State of Florida, USA and never used this address : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan that is being reported incorrectly to the bureaus in regards to payment activity for my car note on my XXXX XXXX XXXX by Ally Financial. I sent over to the company a copy of my bank statements showing the deductions from my accounts along with a copy of the payment history that was privy to me on Ally Financial 's website. They have me thirty and sixty ( 30 and 60 ) days late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX when {$2100.00} was paid on XX/XX/XXXX, then {$710.00} on XX/XX/XXXX. The next payment was made on XX/XX/XXXX in the amount of {$620.00} because they stated that was all I had to pay for that month because an arrangement was made setting aside the full payment, then {$710.00} on XX/XX/XXXX, and then again {$710.00} on XX/XX/XXXX. XX/XX/XXXXwas missed therefore I paid two car notes in XX/XX/XXXX in the amount of {$1400.00} for both months. I paid XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}, and the XX/XX/XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}. Also I have a ten day grace period every month ; just wanting to make mention of that. Then they attempted to withdraw from my account on both XX/XX/XXXX and XX/XX/XXXX in which they should not have been trying to do, then received XX/XX/XXXX's payment on XX/XX/XXXX in the amount of {$710.00}. Then XX/XX/XXXX for {$710.00}. I am in forbearance until XX/XX/XXXX because of the conflicts of interest, and therefore did not have to make a payment on XX/XX/XXXX in which the supervisor stated I would not have finance charges nor extra fees for that month, nor would there be any negative reporting to the bureaus. In addition per my request at the very beginning of the loan, I expressed wanting all payments to go to the principal of the loan. I told them to make a note of my request in my file because to pay with a representative is a fee. To pay online is free. They claimed to have noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive finance charges, late fees, and other hidden expenses unjustly. I have addressed all of this to the company as I continue to file disputes against them with the reporting agencies as well. I seem to have no other recourse. I ask that you help me resolve this ongoing issue with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX after checking my credit report, I discovered an account in collections on my Equifax report that was fraudulently created. The account was reported by XXXXXXXX XXXX and XXXX with the original debt by XXXX XXXX XXXX. I disputed the account but Equifax is refusing to removed it as others have done. I previously reported identity theft to the XXXX XXXX XXXX XXXX XXXX and disputed several accounts, which were subsequently removed. Also at that time, I noticed an address that I had never lived at. I contacted the apartment management and inquired about any possible account. I was provided a copy of a lease that was delinquent and the apartment was vacated some XXXX prior. I communicated that I was a victim of identity theft and inquired how any information was verified before the lease was signed. XXXX XXXX XXXX stated that there was NO IN-PERSON VERIFICATION of the identity of any individual on the lease. I communicated that I will not accept responsibility for any delinquency and I will seek remedy if they pursued a debt reporting. XXXX XXXX XXXX could have taken very simple steps to prevent this fraudulent account from being created! XXXX XXXX XXXX XXXX could have required an in-person visit to verify identity. XXXX XXXXXXXX XXXX XXXX could have verified the signature on the ID provided with the lease signature. XXXX XXXXXXXX XXXX XXXX could have required each applicant to supply different contact numbers instead of the same. Lastly, XXXX XXXX XXXX could simple use more due diligence and common sense by requiring more than XXXX photo ID and do additional reference verification before creating a lease. XXXX XXXX XXXX is complicit in the creation of the fraudulent lease by not having good business practices.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Lane Bryant ( Comenity Bank ) for misleading and deceptive credit practices in violation of the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I visited a Lane Bryant store in XXXX XXXX  and was encouraged by a store associate to apply for a Lane Bryant credit card. I specifically inquired about whether this application would result in a hard credit inquiry, and I was assured that it would only be a soft inquiry that would not affect my credit score. Based on this information, I proceeded with the application.

However, upon reviewing my credit report, I discovered that Comenity Bank conducted a hard inquiry, which negatively impacted my credit score. I feel that I was misled and unfairly induced into applying for this credit card under false pretenses. Potential Violations 1. Truth in Lending Act ( TILA ) Deceptive L
ending Practices Comenity Bank failed to provide clear and accurate disclosures regarding the impact of the credit application, leading to a misrepresentation of credit terms.

2. Fair Credit Reporting Act ( FCRA ) Unauthorized Credit Inquiry I did not provide informed consent for a hard inquiry, as I was explicitly told it would be a soft inquiry. 

I appreciate your attention to this matter and look forward to your response. Please let me know if you require any additional information.
Product: Credit card or prepaid card

My issue is with my XXXX XXXX credit card through Barclay 's Bank. About 5 years ago I was on an XXXX XXXX flight and applied for this card because the XXXX attendant who was promoting it during flight assured me repeatedly that the XXXX miles I would be credited with upon obtaining and using the card would never expire. I continued to pay the $ XXXX annual fee for the card for years ( but not otherwise using it ) solely to preserve my mileage until I discovered my XXXX miles in my mileage plan had been deleted. I contacted both the airlines and Barclay 's and was told the miles had in fact expired - that I was given incorrect information. I contacted Barclay 's phone center on XX/XX/XXXX and spoke with " XXXX, '' explaining the issue, stating I wanted to close my account, and asking that it be closed retroactively to XX/XX/XXXX. The only balance on my account was {$99.00}, the annual fee, and it was now showing up as delinquent since it was due by the end of XXXX XXXX assured me this would be done and that I would receive an email confirmation within 24 hours. On XX/XX/XXXX ( today ) I emailed Barclay 's because I had not received any confirmation and in checking my online account, while closed, showed a delinquent balance of {$99.00}. Twice I emailed asking them to correct this and twice I received a boiler plate response about the closure.
Product: Credit reporting or other personal consumer reports

I filed 3 disputes on accounts : XXXX XXXX XXXX Account # XXXX, Credit Collection Services Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX due to inaccurate information. I believe these accounts are inaccurate and request its removal based on several consumer protection laws. XXXX denied following up with the investigation. I recently was notified that the CFPB has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results, and accurate investigations on disputes. This aligns perfectly with my situation as my disputes were closed within a day. XXXX has not attempted to remove, nor correct any information. I'm requesting these derogatory accounts or remarks be removed or corrected immediately as it is affecting my chances of getting a home loan and is not accurate. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting

i believe under the federal act and amendment that if the original creditor is not filing the compliant with bureau why is the collector not providing enough information to collect the debt or validation of debt it should be remove from bureau until further notice looking for sign contract or terms of agreement collection make frivolous attempt to collect debt as per credit bureau account number XXXX scs collector, XXXX XXXX if debt was transfer debtor should be remove duplicate debt for same entity whom is the original debt collector need original terms or agreement to support the claim making the scores drop and poor judgement, on amounts how can the make cliam i was never notify of debt or collection identity theft
Product: Checking or savings account

US bank deactivated my reliacard for " inactivity '' even though it had been active up until the date they deactivated it. Then they refused to reactivate it until I submit an ID to them and a selfie. They only made this option available via smartphones and tablets via a software application that does not work on my only smartphone. I have called them and they refused to allow me to try an alternative method. They are refusing to reactivate my account and give me access to my funds or close my account and deliver a check to me for the remaining balance. They have effectively stolen over {$400.00} from me.
Product: Checking or savings account

My daughters identity was stolen last week and used to open a check account with Bank of america. they then bounced a check and incurred a fee. the account was closed with a negative balance which triggered a freeze on her actual checking account at another bank. BOA was contacted by my daughter but they will not give her a letter indicating it was fraudulant for 90 days. I posted about this on Social Media and several people responded the same thing happened to them with BOA. I believe an investigation should be opened to look into potential fraud within BOA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont agree with pnc bank XXXX I feel their lending guidelines are not compliant lending guidelines. Pnc approved me in XXXX then again in XXXX for secured loans, I have a banking relationship with them as well for years. Now I am trying to obtain a unsecured loan and being told that an account ( XXXX XXXX  ) that was in my bankruptcy from XXXX is a reason for decline plus a XXXX XXXX  account also known as XXXX which was my ex husbands. BOTH of them were on the ORIGINAL reports when I was approved -so why- why am I declined?!? Pnc does not use common sense nor good business sense to lend to their customers.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED FRAUDULENT INQUIRES. 
TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRES : XXXX XXXX  ( Bank ) XX/XX/2024 XXXX  XXXX XXXX ( Bank ) XX/XX/2024 XXXX UNAUTHORIZED FRAUDULENT INQUIRES : XXXX XXXX  XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting Experian substantiate late payments and upon updated report there is inaccurate info, therefore proves that no investigation in accordance to law was done. You can not have two consecutive 60 day late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows : My only and Legal name is XXXX XXXX XXXX, any other references to names such as the following must be immediately removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. Also, please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX, FL XXXX. All other addresses are not accurate. Please remove these inaccurate addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, FL 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 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 XXXX XXXX XXXX XXXXXXXX XXXX These Personal information you are reporting are clearly inaccurate and I need you to cease reporting and remove such information from my Credit report as soon as possible.
Product: Credit card

My application for credit card was decined again. American Express didnt do a hard inquiry on my credit instead they use a soft inquiry dated XX/XX/XXXX and I had a lots of fraudulent accounts on my XXXX report. I contacted XXXX and provided them police report and FTC report and they removed those accounts last week of XX/XX/XXXX and my score went up to XXXX. Not XXXX that not my score. American Express havent giving me the opportunity to send a copy of my credit report and rejected the application again by the supervisor. And I need have my application reconsidered by another dept with my copy of my evidence XXXX Is the reference number
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went to TD Bank in XXXX VA to have funds ( {$4000.00} ) transferred from my TD Checking account to my IRA at XXXX XXXX. I wanted this amount to be available as a tax deduction for my XXXX filing. XXXX emailed the wiring instructions to the representative while I waited for her to complete the transaction. The funds were deducted from my checking account, but a couple of weeks later in XX/XX/XXXX I realized that there had been no deposit to my account at XXXX. I opened a complaint with TD. To date the money has still not arrived at my IRA account and TD Bank can not account for it. I have been passed around by phone from person to person, department to department. They have no explanation although the manager tried to say that XXXX 's wiring instructions were incorrect. It is clear that the TD Bank representative misinterpreted the wiring instructions and sent my money to some erroneous location or account. At some point during several phone calls TD Manager XXXX XXXX told me that the money was deposited into someone else 's account and they are unable to recover the full amount. No other information has been given to me. 

It's been months. TD has given me no timeline for a resolution, I am running out of time to file my taxes and I will lose the ability to claim the deduction since I don't have another $ XXXX to compensate. I have recordings of our conversations and am planning to file a complaint in court.
Product: Credit reporting or other personal consumer reports

I have sent letters of dispute to Transunion on four separate occasions to rectify incorrect information on my credit report. I initiated the letter back in XXXX of 2024 but I have not heard any information from them and my credit report remains in the same negative status. I have attached the documents that I sent to Transunion personally.
Product: Mortgage

Earlier this year my VA Mortgage was transferred to Carrington Mortgage Services for unknown reasons from XXXX XXXX XXXX. I elected to refinance with Carrington and was assigned to XXXX XXXX ( Loan Officer, Regional Sales Ctr. Inside Carrington Mortgage Services , LLC ) back in XXXX of 2015. The refi had changed from cash-out to streamline throughout the process and after many failed attempts of attempting to get a hold of her and her supervisor ( XXXX ) I elected to start searching elsewhere after several misleadings by Carrington as a whole. For instance, XXXX left a voicemail for me on XXXX XXXX stating, " please give me a call wanted to find out if you 're going to be available for a closing we finally got the exception we needed ... '' I finally contacted XXXX approximately one week later letting him know that I would no longer be closing with them and that I 've elected to utilize a different company. XXXX stated that he would close out my application and in the mail I received a, " Statement of Credit Denial, Termination, or Change '' stating " Application Denied. '' I find this to be gross misconduct and misreporting on the bank 's behalf and request that appropriate actions be taken. 
Throughout the time that I was dedicated to the process with XXXX and XXXX there were numerous other ill-conduct actions on their behalf, such as in an e-mail on XXXX where I am told, " ... to not make your XXXX payment ... '' and on XXXX am told that I had to make that payment and that I misunderstood what I was told. In the early part of XXXX I am then told that the rate lock had expired and that my rate was being increased from 3.825 % to 4.125 %. I disputed that and it was brought down to 3.875 % as supposedly there is no 3.825 % which I had been signing papers for from the beginning.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$730.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

I received two AMEX gift cards as honoraria ( receipt XXXX XXXX, 2024 ( {$350.00} ) ; XX/XX/year>2024 ( {$200.00} ) ). I have not been able to use them anywhere. Every time I buy something online, I try to use these gift cards before using my personal credit cards and it never works. I tried to add money to my XXXX, XXXX, XXXX accounts using them but they are declined everywhere. I honestly find I can't use these cards anywhere. These virtual cards are declined online everywhere ( from small merchants to XXXX to XXXX XXXX to XXXX to trying to buy grocery store gift cards ). When I called and complained about this, I was told to print out the cards and take them to brick and mortar stores to use them, but no brick and mortar store or restaurant will accept a card they can't swipe. I asked customer service for physical cards to replace the virtual cards and was told that they could not be offered. they instructed me to add to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX the cards are declined at these services. 

No one will take these cards. I have called AMEX customer service and they can not offer me any resolution. They insist that the cards are valid anywhere that accepts AMEX but can not give me examples of locations where I can use them. They say that they can not transfer my balances for my two unusable virtual cards to a physical card. They say that they can not apply the cards as payments to my AMEX credit card. They say they can not offer me a cash or check refund. This system seems designed to skim dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. This is simply not the case. I can not reach a resolution with AMEX customer service. I have been unable to use their cards all year. My money is inaccessible. All I want is the total balance on my cards in cash/check/a usable format.
Product: Checking or savings account

I deposited a check by phone ( mobile banking ) into my Bank of America checking account on XX/XX/XXXX. Only {$200.00} of the deposit is available. The check I deposited comes from a XXXX business checking account and cleared XXXX the same day, XX/XX/XXXX. However, Bank of America has a hold on the remaining balance until XX/XX/XXXX. As a result I had a transaction returned and I incurred a non sufficient funds fee for the returned item. I called Bank of America customer service and was told that they could not do anything about the situation and that the rest of the funds would be available on XX/XX/XXXX. I will probably have more transactions returned and I will incur additional non-sufficient funds fee. I have deposited checks from this same XXXX business account multiple times, at a ATM and mobile banking, and never had a problem.