23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

At the end of XXXX, I discovered that my Bank of the West checking account had been hacked and {$600.00} was stolen from my account. I immediately called the bank and was told that my debit card would be canceled and I would not have access to my funds ( unless I banked in person ) for 10 business days. I could not get a temporary card from my local branch and absolutely no other options were made available to me. Many merchants only accept payment via card ( including the parking machine at my job ) thus that single bank policy made it extremely difficult for me to engage in basic 21st century transactions. But with no options available, I had to simply accept this policy. 

Next, I asked the bank to reverse the stolen funds. They refused. Their policy was to mail me an affidavit they would not accept my declaration by phone. One week later, I still had not received the affidavit. When I called back, the Banks best offer was that I could go down to their branch ( at times that conflicted with my work schedule ) with a letter. If that option was available, why did I have to wait over one week to learn about it? 

Prior to receiving the affidavit from the Bank, I received difficult news concerning my health. I informed the bank I was dealing with a health crisis but would get the affidavit to them as soon as possible. Miraculously, despite juggling work, family life, and the challenge of coordinating a slew of doctors appointments to handle a potentially life-threatening challenge ( and fear, of course ), I managed to mail in the affidavit within two weeks of receipt. The bank sent me a letter informing me I had not sent it on their time table so they would not return my money prior to concluding their investigation. 

Finally, just yesterday, the bank returned half of my stolen funds with no explanation as to why or when I can expect the rest. 

In sum, I was the victim of bank fraud brought about through no fault of my own. In fact, the security practices of financial institutions like Bank of the West, are so lax they make such fraudulent activity possible, even common place. When I reported the fraud to my bank, they invoked policies that punished me, the consumer, and allowed them to take as long as they wanted to return my money. They did this just as I was dealing with the most frightening health crisis of my life. The {$600.00} meant nothing to the bank, but for me it meant I had to forgo basic necessaries so that I could pay bills for the month. It also added more stress to a very stressful time. This is unconscionable behavior. I ask CFPB for assistance with my case but also to investigate so that this problem does not happen to others.
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S. Bank charged off my account after failing to alert me that my account was overdrawn in XXXX of 2019. I checked my US Bank app to verify I had no pending transactions and saw there were none.Because I was paid in cash and had no need to use a debit card and left the account inactive for two months. After the period of inactivity, I attempted to deposit money onto my account when I learned that my account had been charged off because of a roughly {$20.00} overdraft. Because U.S. Bank had incorrectly recorded my address into the account with an invalid address, I never received a letter of demand. Before U.S. I had even made a cash deposit in person before my account was charged off, but the U.S. Bank teller neglected to notify me that my account was overdrawn. Due to an error with the U.S. Bank app and their failure to record my address correctly, my personal finances and credit report have been negatively affected. 

It is reasonable for a customer to trust a financial institution to record the personal information a customer provides accurately. It is also reasonable for a customer to trust a financial institution to alert the customer if the customer makes a transaction in person of problems with their account. I trusted U.S. Bank to alert me by mail, phone, and interactions with bank tellers of account problems. Because U.S. Bank failed to maintain an accurate address that I provided them and to inform me when I was speaking with a bank teller, my personal finances and credit have been severely hurt. 

I only learned that this prevents me from taking loans after I graduated college and applied debt consolidation loans. I have attempted to dispute the claim but U.S. Bank refuses to correct its mistakes. 

I have attached portions of U.S. Bank statements that show the invalid address and the date I made a cash deposit. A brief internet search will show that the address U.S. Bank recorded and disseminated to consumer reporting agencies is invalid. There is a house number, the word " XXXX '' but no street name, and a zip code that corresponds to a city in a different state. It is the responsibility of the customer to provide the correct address 's, but it is also the responsibility of the financial institution to enter the correct address they receive from the customer. I use the address that U.S. Bank claims they sent demand letters to for other legal documents but this is the only time that an invalid address has appeared on any of my legal documents. 

I have attempted to dispute the issue with U.S. Bank but U.S. Bank refuses to correct their mistakes. Because of U.S. Bank 's mistakes, I am suffering.
Product: Mortgage

Called XXXX XXXX to ask if I would be considered for a VA loan even though they had written off my second lien in prior years due to my inability to continue payments. At that time my commanding officer did send the bank a letter explaining a problem with the facility that was issuing pay. 

Prior to having my credit report pulled I wanted to be sure I had a chance to qualify.XXXX told me it would be based on my current situation I was confidant because my credit score was now XXXX. Irecieved an e-mail 24 hours later requesting w2 bank statements etc. I waited a day called to be sure they received the info and was told by a loan officer that they would never consider me because I defaulted on my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX in the XXXX XXXX whom was deployed from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, my mortgage was sold from XXXX XXXX  to AmeriHome Mortgage while I was still deployed to an austere environment. The only notification of this action was sent via the Postal Service which I was not home to receive. I had selected auto payments for the mortage with XXXX XXXX and that information was not relayed to AmeriHome upon sale of the mortgage. Subsequently, AmeriHome did not receive any mortgage payments from me for 3 months until I returned home from deployment and collected the notification in my mail. Without receiving payments, AmeriHome began to report my account as delinquent which negatively impacted my credit score ( from XXXX down to XXXX XXXX. I am a Single XXXX ( no dependents ) and the rapid nature of the deployment did not allow time to set up any mail forwarding. I contacted AmeriHome immediately to sort out this situation. At first, it seemed AmeriHome was going to help to fix the problem as they requested I send in my deployment orders to verify I was indeed deployed during the time they took over my mortgage. AmeriHome verified I was deployed and waived the late fees as I made a lump sum payment to get my account current in XX/XX/XXXX. However, AmeriHome was not willing to retract their negative credit reporting on my account with the company. AmeriHome maintained that their reporting was accurate and my inquiries with XXXX XXXX, and XXXX had the same response. It wasn't that I didn't have the monetary means to make the payments. The problem is that I was deployed, notification of the mortgage sale was sent in a manner that was impossible for me to receive in a timely fashion, and my payment information was not conveyed between the old mortgage holder ( XXXX ) and the new mortgage holder ( AmeriHome ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 previous addresses and 2 employers that are wrong and should be removed, I also have 2 accounts I was never late on as well. I have an account labeld charge off that is not correct. I want to validate 3 different accounts.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple over draft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

On XXXX/XXXX/XXXX I went to XXXX Hospital XXXX XXXX, XXXX, Arizona. Services were rendered, I paid the {$100.00} copay, the hospital sent XXXX XXXX the electronic file for the claim. I received from XXXX XXXX an Explanation of Benefits via USPS, stating the Claim # referenced as XXXX Amount billed was {$370.00}, and what I owe was a {$0.00} balance. In XXXX XXXX when I pulled my credit I find XXXX Hospital never followed through for payment from XXXX and sent my bill to collections. Which impaired my credit by falsly sending me to a credit collection agency, Which I paid XXXX/XXXX/XXXX. Since then XXXX Hospital resent the electronic filing back and now XXXX is denying paying the claim they never paid. In which I have documentation they were paying under my insurance plan. Now XXXX Hospital has basically dumped this on me stating it is my issue to resolve. If they had processed and followed up with the insurance company and had done their job, there would not be this complaint. I am getting the run around with XXXX XXXX to pay the claim as well.
Product: Credit card or prepaid card

Back in the beginning of XXXX, I called the Disputes department and asked them why my disputes against XXXX for {$130.00} was denied. They claimed they had no knowledge of the reason, but would request a letter to be sent out with more detailed information as to why the disputes were denied. They sent me documentation that XXXX had sent to them, showing print-outs from a computer, which were obviously based on a faulty system or computer error at the time. I had provided the Disputes department with the ACTUAL receipt that shows the total amount to be charged, along with the amounts listed right above that show what matched the total after XXXX and Rewards were applied. You can not argue with that. And physical receipts outweigh computer print-outs. They supported a print-out verses a physical receipt. When I spoke to the Disputes Department weeks ago, they put in a request for Reconsideration. Well I just received a letter in the mail dated XX/XX/XXXX -- " Their records show that no posting error has occurred on your account. " ... But my records show otherwise, and again, physical receipts overrule computer print-outs...
Product: Debt collection

Amount : XXXX Actions Taken : Payment arrangements made between me and Radius Solutions, who bought the debt from XXXX XXXX XXXX, who bought the loan from XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the past five years I had been harassed by USDE on whose falsely made claims to IRS on overcharges on paid off student loans I had, also IRS were taking my tax return to paid unpaid business taxes reported to them as independent contractor under my legal name XXXX XXXX XXXX, I also filed complains because Transunion credit bureau fraudulently allowed XXXX XXXX from California misrepresenting and accessing my credit file and placed her fraudulent loan as add on in connection with an existing record of my student to cover up her fraud in order to fulfill her economic crimes and XXXX 
Attached find the reason why only TransUnion credit bureau had outstanding debts reported on my credit file and others credit bureau had XXXX balance and reported my student loan paid off, and had gone nothing to clear it, just TransUnion! 
As mentioned before I had security freeze on my credit file since 2010, I recently logged into my credit file to change my password, and noticed that my logging were linked to the spy location address XXXX XXXX in California and PA, not my location I live in XXXX, Florida, I had never been in PA neither in California, also I noticed they were also registered as business inquire and linked to a business name XXXX XXXX XXXX, which is my real legal name, birth name, and accessed my file without having my password neither my pin, which mean to me they are being using my personal logged in to get my credit file in connection with their business, to cover business entity and XXXX XXXX in California, which is a fraud and identity theft FS, 817.568 therefore it means to me that XXXX XXXX has an insider helping her with her fraudulent and abuse economic crimes, his name is XXXX XXXX who is nothing less than a senior Manager of TransUnion credit agency. The address listed on the business inquire as my location is XXXX XXXX residence address located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, and he phone listed on the business inquires are also TransUnion credit bureau phones XXXX, XXXX, XXXX, see attached evidences and proof Now you have everything to made an arrest, forward complain to the FBI and arrest this is the XXXX XXXX XXXX in TransUnion using my name as business, and committing fraud, placing loans under my social security, the domestic XXXX is covering their operation using with citizen existing loan to add on their own loans which in my opinion could be loan for financing domestic XXXX  and they are using good citizens with good credit record. I am sure the US department of education has another XXXX XXXX working on their domestic XXXX operation covering up their operations
Product: Debt collection

Bank of America has been stealing from me XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX, I accidentally send Adivine Spiritual Healer {$440.00}, I immediately disputed the transaction. I even XXXX this young lady and asked her to refund my money back. She informed me that she wasn't able to refund and only had the option of disputing the payment. She submitted a dispute saying she didn't know me and refund back the money. After speaking with your supervisor XXXX XXXX ID XXXX today XX/XX/2022 at XXXX PM EST, information of the response from the seller XXXX XXXX XXXX. I asked for my refund to be released now due to the seller response in regards to the dispute.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.SXXXX Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation everyone in is HJR 192. As all debts are prepaid, there is no valid claim for any further payment. Understand *no valid claim for any further payment* So for a third-party company to be trying to collect a debt is beyond breaking regulations & the LAW. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing XXXX and XXXX XXXX  as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.
Product: Mortgage

XX/XX/XXXX I requested a payoff from Roundpoint mortgage. I received notification that they received my request, and they would email the payoff.. they keep telling me they email it but it has not been received.. their email also said this payoff would be available to access thru my customer portal. once again they lied..it is not. I spent over two hours on the phone with them today ( XX/XX/XXXX ) and they said they see the payoff and email its..tried two different emails that are BOTH working fine, and no receipt. I asked to speak with a supervisor who was supposed to call me back within the hour..its now been over two hours and no phone call..nothing... I asked them to fax it and the person on the phone was incapable of making this happen..I asked them to upload this into the portal as they said it would be and the person was incapable of making this happen.
Product: Mortgage

Since I had my home in XXXX, my mortgage company has been changed 3 time. My current company Home Point financial, which I have been with since XX/XX/XXXX, has increased my monthly payment every year. What I dont understand is no one in my neighborhoods mortgage has been increased. I have a single family and its only my spouse and me. 

When this mortgage company took over my monthly bill was {$630.00}, then to {$680.00} and not they are increasing it to {$710.00} as of XX/XX/XXXX. 

Why does it increase seems every 6 months, when my income isnt increasing to keep up. 

Ive owned a home in XXXX  for 15 years before coming to XXXX  and never has my monthly mortgage payment change so frequently as this. And the cost of living in XXXX  is more expensive then XXXX. 

Bottom line is why this is happens and how does anyone not go bankrupt? And is this a normal practice. I would be open to a new mortgage company if this keeps happening, because eventually I wont be able to afford it! 

Please help me with this, Ive asked for clarification from the mortgage company but it all sounds toooo technical for the command person to understand. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Discover card XXXX bank XXXX and XXXX bank I paid them all but they still call ms
Product: Credit reporting, credit repair services, or other personal consumer reports

HI AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file fro the crime. I have included the items in this letter and listed items within my affidavit. Please block and remove this information immediately. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed and corrected.

Delete the following accounts : 1. XXXX XXXX/XX/XX/XXXX not mine 2. XXXX XXXX XX/XX/2017 not mine.
Product: Debt collection

On XX/XX/2022, Paragon Revenue Group sent a letter and an invoice to MY address ( Without my permission ) claiming that I owe them {$120.00}. I don't know who gave them permission to contact me at my home address, I don't know who they are, or how they have the audacity to claim I owe them ANY money. I sent them a debt validation letter on XX/XX/2022 ( see attached letter and certified mail green slip ). On XX/XX/XXXX, they sent me back everything I did not ask for, further proving they have violated my rights as a consumer ( see attached ). I've never done business with this company, I don't owe them money, and they did not provide me with proper debt validation. They did NOT abide by my demands and reported this fraud account to my consumer credit file anyways ( without my written permission ).
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX