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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

We were approached by a banker who assisted us in opening a US Gold business banking account with a business triple cash account. At the time, there were two business owners involved, but the specific details on how to qualify for the account opening bonus were never disclosed to us. After waiting for over two months, I took the initiative to inquire about the status, leading to the eventual crediting of the checking account bonus. Had I never taken the initiative, we would have never gotten that bonus. However, to our dismay, the credit card bonus was not provided. 

Under this account, there are two credit cards linked to it, as there are two owners. We diligently met the required {$4000.00} spending minimum on the account. When I reached out to the designated support number for the credit card, I was assured that we had fulfilled the necessary criteria, and the bonus would be issued to us by early XXXX. 

Unfortunately, the situation took a turn for the worse. After the promised date had passed and we still hadn't received the bonus, I contacted customer service once again. To our surprise, the next representative informed us that we had not met the requirement because one of the cards was an employee card something that was never communicated to us. Furthermore, they stated that in order to reach the spending limit, I must spend additional money on the primary card holder 's card. Had we been aware that the bonus only applied to one of the cards, we would have concentrated all our spending on that specific card. 

Following this conversation, the representative assured me that the matter would be escalated, and they would get back to us within 10 business days. Regrettably, after the specified period, no response was received. Today, upon contacting them again, the representative disclosed that the previous escalation was never acted upon and indicated that they would seek input from a supervisor. They then cited that it was outlined in their terms of service that all the money must be spent on one card to qualify for the bonus. 

This experience has been deeply disappointing and feels like a scam. It appears that the process was deliberately prolonged, potentially to surpass the deadline for meeting the requirements. The banker who assisted us did not provide adequate information about the cards, leading to our wasted time and financial loss. The entire process was plagued by misinformation and incompetence. 

To others seeking to open accounts with US Bank, I strongly advise exercising caution and self-researching. It is essential to thoroughly question and verify all terms and conditions before proceeding. Trusting vital information with an incompetent banker and engaging with a business that employs dubious practices is ill-advised. Consider documenting all interactions and agreements when conducting business with such entities. Alternatively, we recommend considering other reputable options for conducting business.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion 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 XXXX
Product: Checking or savings account

I had opemed an account in XXXX  many years back. It was my first account after having my junior savings account stolen as a minor. 
I mistakingly when i lost my job i looked for another online thats when i was given the offer online to start work. Which came with a check and orders to start work immediatly as the checkn was for my paycheck and for " supplies '' to begin work. 
I regrrtfuly deposited the check and pulled out the initial XXXX which was under what they were expecting me to pull out. At which point they said to send the money threw XXXX XXXX in order to pay for services of another company to clean the property. 
It wasnt. Till a week or so later that i wasnt told anything by bank of america i wasnt even told the check had bounced nothing they never tried to rectafy or even charge me for the negative balance they just compketly closed my account and said they were not offering me services anymore. And this was only after i had contacted them when trying to use my atm card to depsoite cash money from a legitamite sidejob that i had completed that day. 
Since then i have been unable to open an account at all with almost any bank. 
Also XXXX XXXX the company they shared there information which was invalid and incorrect has also caused me massive issues from being abke to access credit bank accounts or/and even from renting. 
As tbank of america stated that i never rectafied my account balcance and that it was closed with a negative balance but that was never the case. As i never recieved any information on the check in question or an explaination of what had happened or that i had a balance owed to me or that i owed to bank of america for the bad check.. 
I have tryed to cleae this up with them. More then one time and they have an account in my name but theree is no way to access such account. 
Ive been dealing with this and XXXX XXXX for years and its done nothing but ruin my life i despise bank of america for this and the fact they lied about everything. I was never charged for the bad check and what ever it was. i lost in more ways then one and got scammmed out of any job money and they never even spoke with me before closing and black balling me with no explaination or willingness to work with me.. 
That is the most. Angering thing is as i would of easily payed back the XXXX dollars from the initial check that was authoriezed to pull from the atm. And i could have continued my banking relationship with them and my life coukd of been so much easier if that was the case or they could of closed my account but without the negative balance that they would later charge or claim they charged me and informed on my credit report yhat i was delinquent of which was nothing farther from the truth.
Product: Mortgage

My name is XXXX, and I have been working with Bank of America 's home loan team for the past few months regarding a refinancing of the home loan for my second residence down in XXXX, FL. 

My loan application was rejected by BOA on XX/XX/2016 due to the % the of investors in the complex being above some predetermined threshold set by some agency. 
My frustration in this whole process is three-fold : 1 ) At no point during the home loan process was this ever identified as a potential risk. I would think that the loan originator ( XXXX ) or someone in loan processing ( XXXX/XXXX ) has done a cash out refi on a multi-family dwelling, and they would know that this was a potential issue. 
2 ) My closing date was pushed back 3 times and I was informed of the rejection the day before my 3rd closing date. This has left me absolutely scrambling as I am now having to start this whole process again nearly 3 months into it. 
3 ) When I was informed of the decision, no one from BOA advised me as to alternative solutions nor what the next steps are from here. XXXX provided me with the bad news, and she committed to connecting with me that week to discuss if there were any other options available to me. I have left dozens of emails + Voicemails with XXXX, XXXX, and XXXX since XX/XX/2016, and none of those individuals nor anyone from their team has responded back to me. 

I have been a very loyal BOA customer for over 15 years, and I have never had such a negative experience with this organization as I have had during this process. I have spent nearly {$1000.00} on appraisals and fees with nothing to show for it. 

I financially support my XXXX mother, and the money from this loan has been earmarked for her medical expenses. We are now having to delay appointments and treatments until I figure out a financing option ... .all of this occurring during the holidays. 

It is equally maddening that BOA states that customer service is a priority, and all of these individuals ' voicemail indicate that they will return the call within one business day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  credit card account # XXXX XXXX XXXX XXXX not only has the wrong information ( payments, amounts owed, and total balance ) posted on all three credit bureaus, but I paid this account off. My agreement with XXXX XXXX  was to pay them the agreed amount and they would remove this negative information from my account. However, this account remains on all three of my credit bureaus. I called XXXX XXXX  today and they totally agreed with me ( XXXX Option # XXXX  ) but said they can not remove the account in that department. The credit bureaus are unwilling to remove the account because they are incompetent. Please help me remove this very old credit card account that has been paid off and contains false information. 

I'm attaching an example of this account via credit report to help you analyze the problem.
Product: Credit reporting or other personal consumer reports

This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. XXXX and its associated companies like XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, and XXXX have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.
Product: Vehicle loan or lease

Got a truck loan from ally financial month later was laid off. Made payment on truck till XX/XX/2023 I was 29 days late I called up ally financial to see if I could get an extension but I wasnt qualified yet. So I ask the representative if I pay the payment today will it be marked paid and not hit my credit report 30 days late she said yes by XXXX XXXX on sat XX/XX/XXXX if u pay by XXXX XXXX you will be marked currant not 30 days late. I paid the payment XX/XX/XXXX at XXXXXXXX XXXX I then asked her again will this be good to go wont hurt my credit she said your all set. I made payment w her on the phone I guess they use third party people for this they did not tell me it wasnt gon na be marked that day.. the ally app that I use to pay my payments regularly was not in working order that day it said down for maintenance. So I couldnt pay on line I had to call and use check over the phone. I had asked this lady atleast 6 times this wont hurt my credit she replied no your all set. The next day XX/XX/XXXX I got an alert on credit report that I was 30 days late on my truck payment. Now that made my credit score drop XXXX points I am buying a house at the end of XXXX but Im not gon na be able to do this now due to them reporting me 30 days late. I called many times to get info on this i did get a XXXX XXXX and she had her supervisor look at this and she even said it shouldnt of hit my credit report it was paid on the XXXX th day. The file has notes that it was paid in time. That supervisor XXXX XXXX I been trying to get in touch w her no results they did record the conversation so that should be accessible I was told it wouldnt hit my credit and it did now Im having many Repercussions for this action they did.. I did get a call from a XXXX XXXX opt XXXX she said she would be looking into this but said if she cant find any reason to take it off report than it stays. Now the other supervisor agreed it should not have hit my credit report the lady who took my payment told me I was good to go and also the website app for payment was down for maintenance XXXX said had I used the app that it would have posted that day how can I use the app if it was down for maintenance that day but also told from two different representatives there on on Friday XX/XX/2023 and XX/XX/2023 that if payment is received by XXXX XXXX Saturday XX/XX/2023 then I would be good. I want this 30 day late removed from my credit report immediately they can do a good will Deletion to remove this and. Need a deletion letter for my mortgage loan. I think this was unfair to me being told that I was good from two people and then from a supervisor that it shouldnt be on my credit report. Please help me thank you..ally Financial is the company
Product: Checking or savings account

B B & T of North Carolina allowed someone to open a Checking account in my name and social security fraudulently. When I started receiving overdraft notices in the mail, I could not reach anyone by phone at the local branch ( XXXX, NC ) or at the branch listed on the statements XXXX XXXX, NC XXXX for several days. When I finally got through to a person, they transferred me to someone with voicemail who did not call me back. I called the Corporate office in XXXX which transferred me to the local XXXX branch and the guy who answered the phone challenged my spouse as if security was of the utmost concern to them, although she clearly stated the issue, gave them her social, and mine also. When she called me to the phone, he began to question me and lecture my spouse as if 'she ' were the person who was in the wrong. After much persistence, I learned that they had allowed someone to open an account ONLINE with MY social security number and this person on the phone was attempting to tell my spouse that 'she ' could not speak to them about it if I was not present WHEN I was telling him to do so. He ignored my requests, ignored my instructions, and continued to act as if it were my spouse in the wrong. He stated they would 'mail ' a form ( as if it were of no consequence that fraud had been committed ) and THEN had the gall to hang up on us. We have no idea if the issue is being addressed and this bank has acted in a completely negligent fashion, not to mention treating concerned, and justifiably so, persons contemptuously. They need to be caused to answer as to how this has happened and we expect an appology and FULL disclosure of information as well as how they intend to remedy any damage caused by their lack of security.
Product: Credit card or prepaid card

On    XXXX   XXXX   XXXX  , I  paid  Wells Fargo Ba nk {$8000.00} to satisfy the full amount owed on my Visa card ending in  XXXX . Immediately after I paid it, the bank added an additional {$140.00}, which the bank says I now owe in addition to the fully satisfied amount I already tendered. This is bogus and banking fraud. How could I owe interest after I 've satisfied every penny owed? I want the charge removed as it is unjustified.
Product: Credit reporting

I never lived at the XXXX PA address. This is not or never has been my address. Please remove from my credit report.
Product: Debt collection

To the short response AWA Collections has mailed the validating documents, with the legal electronic signature required, to his address. The full balance remains due. As for the verbiage on the credit report, that is completely the responsibility of the credit bureau. AWA Collections does not control how the debt is described, other than it was assigned for collection. 

XXXX And XXXX Please provide and upload the Validation proofs on CFPB and also since were on a great verbiage demanding to collect a debt. That sound like you cant provide the validity of an original contract. Could you please upload also the legal electronic signature that you stated that has been required. Cause to my knowledge I still dont know what Accusations AWA Collections is addressing to. 

Please practice The Fair Credit Reporting Act XXXX FCRA XXXX is a federal law. Cause your now violating with not should any type of validation not accepting a any payment and demanding a FULL Balance payment.
Product: Credit reporting or other personal consumer reports

This Citi bank card appears in my credit reports, specifically in XXXX. I've called the bank and the credit buros, several times, but no ones helps me. I've requested documents and never gets them. The card is from 2016, and appears as a XXXX XXXX in my report. The account ends in XXXX.
Product: Student loan

My Direct Loans were transferred to MOHELA in order for them to facilitate my Public Student Loan Forgiveness. I have well over XXXX payments, and was told my loans would be forgiven. MOHELA removed a portion of my loans, but not all. The only reason I have been given for not having all my loans forgiven is that I am responsible for the loan co-borrower 's amount. However, the co-borrower 's loans were all discharged due to Permanent and Total XXXX, and Federal Student Aid has said the only loans remaining are mine and that the remainder should be forgiven. In addition to this, as far as I can tell, my IBR recertification is due very soon, but I don't know if I need to submit anything or not because of the student loan pause or ( better yet ) my account is completely forgiven. I've tried to explain this to MOHELA and get this resolved and my questions answered, but most of the times I've tried to communicate with them I just get a scripted response telling me to call them. However, I can never reach a live representative by telephone. In addition, it is difficult for me to communicate verbally and I have requested written communication, but MOHELA has disregard my request and continues sending scripted responses telling me to call them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to get my report for way over a month, I've called I've written emails and the company is throwing up every roadblock there is. When attempting to pull my report, I get asked questions on accounts I never opened that aren't on any of the other credit reporting sites. I know that Equifax got hacked, and I believe that there is incorrect information on my report and that they are covering it up. The other possibility in they're incompetent, in that case they should not be allowed to operate a credit reporting agency.
Product: Credit card

The credit limit was lowered with no notice to myself. I found out when the auto pay was declined at one of my childrens activities. I called and spoke with them about this situation and was told another letter would be sent. I have been a customer for over 30 years and when I asked to speak to a supervisor I was told that there are none they dont speak with customers they just supervise. The biggest issue is they lowered my credit line to where no Im utilizing 97 % of my credit whereas before it was only about 15 % utilization. Can some pleas assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I pulled my Equifax credit report and come to find out I have over 50 hard inquiries and I don't have no way in my life where they come from here are the list of them ... XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ..XXXX XXXX XXXX XX/XX/XXXX .. XXXX XXXX XX/XX/XXXX..XXXX XXXX   XXXX XX/XX/XXXX..XXXX XXXX/XXXX XX/XX/XXXX..XX/XX/XXXX XX/XX/XXXX..XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XX/XX/XXXX ... XX/XX/XXXX ... XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX all are from this one company it don't make since..XXXX   XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX..XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX   XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX..XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XXXX   XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX   XX/XX/XXXX..XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XX/XX/XXXX.. XXXX XXXX XXXX XX/XX/XXXX sorry for long history I just want to get this remove off my credit report asap because it's not right
Product: Payday loan

I borrowed a loan from CashnetUSA.net for {$800.00}. They have added an amount of fees that will total {$2300.00}, more than {$1500.00} past the XXXX owned. They have scheduled payments twice a month at XXXX for XXXX payments. This is outrageous!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/17 I applied for a job working with XXXX. The company ran a Confidential Background Screening report on me. Within the next few days they told me that based on the information they received from Sterling Talent Solutions, they could not invite me to work for their company.
I did receive a copy of the report and it does state that the length of my XXXX XXXX was 46 Years, not 46 Months like it should. This is a huge mistake and I would like to know where they received their information from because I spoke with the Attorney Generals Office and they recommended that I write to your company to fix this information because in all their reports it states 46 Months, not years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there is still an account to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm this account. 

XXXX XXXX XXXX XXXX