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

On Monday, XX/XX/, it was revealed to my office manager that a check, from a separate practice, had been stolen and made fraudulent. Both medical practices use the same vendor and so our checks were mailed out together. With that said, because their check had been compromised, mine could possibly suffer the same fate. 
On the same day my office manager notified my PNC representative, XXXX XXXX, of the situation to see if we needed to do anything on our part. Later, on XX/XX/2023, it was discovered that my check had indeed been affected as well. 
The fraudulent check was cashed on XX/XX/2023, for {$17000.00} with a completely different receiver noted and a signature that was not mine. It was made out to XXXX XXXX where the original one was for XXXX XXXX in the amount of {$2000.00}. I had written many PNC checks before this one and I would have thought, especially with the given large amount being cashed, that my signature would have been checked for authentication, but it was not. 
Both my office manager and I made numerous attempts to get updates from PNC regarding this issue. Not once did the bank, that is supposed to protect my money, reach out to me on their own for an update. To this day it is still my end checking in for a status update. 
In XXXX, after receiving the only mail from PNC regarding this issue, my office manager spoke with XXXX XXXX to once again correct PNC with the proper information on the check that was stolen. My office manager reached back out to XXXX XXXX to ask why it appears that nothing had been processed when this issue first came to light. He stated that he had initially put in two requests. I am not confident that is true given that XXXX is executing this now, 2 months later. 
Eventually I was directed to speak with XXXX XXXX who was not any better at keeping me updated. My conversations with her gave no insight into any progress being made during the investigation. Dealing with her did not ease the stress, it only confirmed my feelings that this issue was nowhere near a resolution because no one seemed to be vigilante. 

Now, 6 months into this process, I am being told that there is nothing to be done about the stolen funds. I found this to be extremely unacceptable, even more so after discovering that the mutual XXXX  with the stolen check, who also banks with PNC, was able to rectify their fraudulent check that was in the same envelope, within a timely manner. 
This issue has caused me to question the logic of banks. Why do we open accounts and pay for checks if we can not guarantee the security of our accounts?
Product: Credit reporting or other personal consumer reports

EQUIFAX, XXXX, AND XXXX ARE REPORTING FRAUDULENT INFORMATION ON MY CREDIT RTEPORTS. ATTACHMENTS OF FTC REPORT AND OTHER DOCS. SHOWING THE FRAUD.
Product: Credit reporting or other personal consumer reports

I disputed to remove these fraudulent addresses nine times in 2024 and Experian continue to show fraudulent the addresses on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please remove these fraudulent addresses : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Goldman Sachs / Apple credit card, have consistently failed to update my credit file with the 3 major credit bureaus, XXXX. XXXX, XXXX and XXXX. The failure to accurately report the status of my credit on a regular monthly basis is in violation of the Fair Credit Reporting Act and thus a violation of my legal rights. This failure is adversely impacting my credit score and thus my financial health.
Product: Debt collection

In XXXX, XXXX  my information was used to open a credit card with XXXXXXXX XXXX XXXX. The amount was {$2800.00}. I never received a card nor was aware of this debt until XXXX of this year when I looked at XXXX and saw that I had a past due collection report for this amount. I have disputed this with all credit bureaus and the FTC. I continually check but it remains as a collection account with LVNV Funding LLC. I have attempted to speak to XXXX and XXXX but to no avail. I have also had my lawyer contact the parties involved but the fraudulent charges remain in collection with LVNV.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Tx XXXX To Whom It May Concern : Pursuant to 15 ys6 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 USE 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.
Product: Mortgage

I received a a letter from XXXX  on XXXX dated XX/XX/XXXX stating my mortgage loan is past due in the amount of XXXX. I immediately called On XXXX and spoke with XXXX as I made payment per usual of XXXX and it was cashed. It was explained to me that I had a escrow analysis and my mortgage was increased. I explained I never received notification and asked for it to be sent again for my review before I make any adjustments. In addition, I have always traditionally paid the shortage in full as she noted in past years. 
XXXX demanded my banking information to pay the shortage immediately or my loan would be in default. She did agreed to waive the fees. In addition, I asked about deleting my escrow and paying my taxes on my own. In which she provided me with the email address of the escrow department and what contents were required. I was informed that it took 5-7 business days for a reply. 
I contacted XXXX on XX/XX/XXXX to follow up on my request and spoke with XXXX who informed me that the late fee remained from XXXX and I would also incur one for XXXX because I still had not been provided with documentation of an escrow analysis requested prior. XXXX  agree to waive the late fees for XXXX. I asked about the outcome of my request and was informed that I was approved to delete my escrow account. She informed me I still had to pay the shortage or I would incur a late fee for XXXX. I asked if I was approved and I have XXXX in my escrow account why I had to pay an additional XXXX if XXXX would have to reimburse me those funds and she said so I dont pay another late fee. I made payment immediately of XXXX. 
To my utter surprise, I received a notice dated XXXX after being told I was approved by XXXX   on XX/XX/XXXX that I was denied due to delinquent payments. I was delinquent XXXX because I was unaware of the increase! I have not been given the opportunity to even see this bill and when I called the number to rectify I am told too bad and their is no one I can speak to but just email another request. I am be penalized for not receiving a notification. I alone have to accept responsibility for XXXX mailings and the XXXX.
Product: Credit reporting or other personal consumer reports

I had a delinquent account with XXXX XXXX on my Experian and XXXX credit reports ; it was turned over to a collections account with XXXX. 

I settled the account in full with XXXX to satisfy the delinquency. They have not removed and/or updated the account as promised. 

I have included the letter from XXXX showing they received the payment on XX/XX/2023 and Also I have the satisfaction of judgement letter that XXXX XXXX XXXX XXXX filed with my local magistrate back in XXXX.
Product: Credit card or prepaid card

To whom it may concern, OnXX/XX/XXXX We received a Fifth Third Credit card statement Trio Credit Card, dated XX/XX/XXXX to XX/XX/ in my husbands name, with a XXXX balance.This credit card in my husbands name was opened up on XXXX. My husband never applied for this credit card at Fifth Third Bank in XXXX XXXX Illinois, so we called the credit card Fraud department at Fifth Third, and explained the situation and closed the credit card down due to fraud. We then asked if any other cards were opened up in his name, or my name and they told us that a XXXX XXXX rewards card was opened up in my name on XXXX and told them this was fraud as well and to close it down.My husband and I NEVER received an official credit card in the mail, nor did we ever receive any statements except for the one dated XX/XX/XXXXto XX/XX/XXXXin my husbands name which alerted us to these credit cards being opened up fraudulently. 
Both of these cards were opened coincidentally the same day as our loan was opened by XXXX XXXX manager at Fifth Third in XXXX XXXX, which makes me believe someone at XXXX XXXX in XXXX XXXX opened up these cards fraudulently. 
The manager at the time, XXXX XXXX was fired from Fifth Third Bank in XXXX XXXX which makes this even more interesting.Not only did my husband and I find out we had these 2 cards opened in our name, but I had 2 other cards opened in my name from Fifth Third Bank, and my husband had 1 other card opened up at Fifth Third in a woman 's name using my husbands social security number. It is our belief that all these fraudulent credit cards were opened up so that the person who opened them up at Fifth Third Bank ( in XXXX XXXX )? " got bonus points '', or extra money for doing this. Why would all of these credit cards be opened up if my husband and I never received an official card to charge with? We would advise ANYONE NOT TO OPEN CREDIT CARDS UP AT FIFTH THIRD BANK due to what happened to us! We reported this to our local police department, The XXXX FBI, and the FTC in XXXX. No one should have to experience this, but unfortunately this has happened to us since using Fifth Third Bank in XXXX XXXX, Illinois.
Product: Debt collection

I wrote a letter to Mid South Adjustments that was delivered on XXXX asking them to send me proof of debt. they sent me a medical statement for an individual by the name of XXXX XXXX dated for XX/XX/2021 for an abulance bill at an unknown address in XXXX XXXX Arkansas for {$1000.00}. Not only have I never gone by that name but I also was not in that state at that time. I am a XXXX XXXX XXXX XXXX and have been recovering from a XXXX XXXX in the state of New Mexico where I have resided for several years. So this can not be me. I responed yet again to this merchant advising them to provide adequate proof and that was delivered to them on XXXX and also again I wrote them again advising them that they needed to remove this from my credit since they could not provide adequate proof of contract or verification not to mention the HIPPA violation that they are clearly violating by sending me medical paperwork for a XXXX XXXX in the state of AR where I could not clearly be when I have medical documentation in New Mexico clearly showing I have been being treated in the state of New Mexico even to the same time frame of this claim. I am able to provide proof of all letters signed for and sent as well as medical documentation showing that I have been in the state of New Mexico and would like this to be fully investigated and removed from my credit as fraud.
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 U.S.C 1681 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which was highly suspect. As per the FCRA, I allowed this company 30 days to correct my report and send them a letter last XX/XX/XXXX. However, this company company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. My first letter included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days had passed and no proper investigation done by the bureau. All I receive is an obvious computer generated generic response letter. I thought after Attorney General XXXX XXXX 's actions last XX/XX/XXXX, this credit reporting company would comply with the settlement. According to this link : XXXX XXXX XXXX. A copy of the settlement was published in this link publicly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I borrowed {$800.00} and have repaid $ XXXX yet this company claims I owe more than {$800.00} still. This is predatory lending. This is obscene!!! They arent even located in the United States, they are in XXXX! 

I already filed complaints and this company 's response was that I am to STILL repay {$800.00}. Ridiculous! The resolution presented is : " PROPOSED RESOLUTION We understand that you are not completely satisfied with your Line of Credit. As a one-time courtesy, we would like to propose the following resolution : The outstanding balance on your account will be frozen in the amount of {$800.00}, the amount due as of your last statement date of XX/XX/2019. This means that no further fees or interest will be charged on a go-forward basis from this statement date ; The outstanding balance noted above will be divided into 5 installments of {$130.00} and a final 6th installment of {$120.00}, which will be payable on your scheduled pay dates ; and Once all installments are paid, your account will be closed as Paid in Full. '' MoneyKey is offering zero resolution in this matter. I have repaid the {$800.00} borrowed PLUS {$140.00} in fees. Based the original agreement, MoneyKey expects {$800.00} to pay off the loan meaning MoneyKey would collect {$940.00} in fees XXXX 118 % )!!! I would repay {$1700.00}!!! This is OUTRAGEOUS! 

MoneyKey 's proposal solves nothing. MoneyKey still expects me to pay an additional {$800.00} for a total of {$1700.00} for {$800.00} borrored. Again this is predatory, unethical lending!!! And to add to it, MoneyKey wants to sent payments at a rate HIGHER than my loan agreement. 

25 % interest in a fair interest amount. 25 % of {$800.00} is {$200.00}. I have paid {$140.00} of that. I will pay an additional {$55.00} payable by check to MoneyKey to be paid by XXXX XXXX. 

My account will then be marked CLOSED/PAID IN FULL/IN GOOD STANDING MoneyKey has received its {$800.00} plus additional profits from me. I will AGAIN report this as MoneyKey as provided no resolution. MoneyKey is simply restructuring how it still gets the obscene amount of an additional {$800.00} from me.
Product: Bank account or service

Bank of America had changed the term of my checking account to add a monthly fee for my account in 2015. After I had many weeks of disputes with them and finally contacted the CFPB when they charged not only the fee, but also an overdraft fee to my account. Subsequent to that discussion, BofA contacted me and told me the fee would be waived. They 've resumed charging the fee again this XXXX and have continued after I started putting direct deposits greater than the XXXX minimum limit previously set, and I 've now noticed that they 've set the requirement to greater than {$250.00} in one direct deposit. This practice is unclear and clearly intended to mislead consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent updated letter to XXXX Equfax and XXXX  to updated my current address and employer and my phone number all 3 credit bueaue Bureau all 3 credit bureau are stated can remove other addresses because the address was giving about a creditor, there one address never belong to XXXX it starts with I had never lived at the address
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had repeatedly failed to properly investigate XXXX XXXX and XXXX XXXX  inquiries on my credit.
Product: Debt collection

Avant is reporting that I owe {$630.00} on my credit reports but according to there website and my payment schedule I only owe {$350.00} and therefore Avant is reporting incorrectly on my credit reports. In the original response it stated I didn't pay my installment plan as promised. I found my bank statements showing that I actually paid up until XX/XX/2018. I have included the bank statements.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing it in accuracy of a late payment, and it should not be showing on my account because I was never late 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting major issues with the platform. Despite using Zelle numerous times and reporting any issues ive encountered, my financial institution and Zelle failed to investigate my claims correctly. They informed me that recovering lost funds was impossible and that tracking the transactions was infeasible. The CFPBs discoveries shows that zelle not only neglected to protect its consumers it also allowed continuous offenders to exploit the vulnerable system in which the consumers put trust in leave the consumers vulnerable to fraud and scams
Product: Debt collection

Fair Collections & Outsourcing Inc. advised me that they do not delete debts and I understand that I did not sign a contract with them for this debt that was owed to XXXX XXXX XXXX. This debt was settled and paid, but has been causing my credit score to be low. I was not aware of my consumer rights for accounts that were sold to debt collection agencies. Since I did n't have a contract signed with Fair Collections & Outsourcing, this debt should not be reported because I also have no payment history established with them. I would like this to be deleted from XXXX and XXXX. The date this was recorded as paid was XXXX/XXXX/2015.
Product: Debt collection

I have a loan with this company that I pay monthly. I always pay online and only use this method to interact with the company. As soon as even one day goes by past my due date, the company repeatedly calls me beginning as early as XXXX XXXX  all the way past XXXX. In XXXX of 2020, I became frustrated with them and I answered the call. I expressly told the person to make note on my account of the following things : I do not make payments over the phone. I pay my bill online, every month. I do not wish to receive calls from them. And most importantly - I CAN NOT receive calls during work hours, which for me is XXXX to XXXX Monday through Friday. They have ignored my requests and continue to call me despite my requests and insistence that I can not receive calls during my work hours.
Product: Checking or savings account

Capitol One is holding my direct deposit and I am not able to access MY FUNDS!!
Product: Money transfer, virtual currency, or money service

This is in reference to a complaint that I opened here with CFPB ( XXXX ). The complaint was closed but I have not received resolution from Wells Fargo. 
Wells Fargo closed the case that I had opened with them. They closed it without a solution. 

In that case I had opened with Wells Fargo, Wells Fargo had requested that the recipient that I had sent the money to get a letter from XXXXXXXX XXXX ( the recipient bank ) Indictating that XXXXXXXX XXXX did not receive the funds. 

XXXXXXXX XXXX provided the written statement that they did not receive the funds. They also provided proof ( bank statements from the recipient ) that the money did not arrive at the recipient 's bank account. 
Wells Fargo also stated in writing to me that they verified that the money was not received by any institution. 

However, Wells Fargo refuses to refund me the {$9000.00} to me. They instead want XXXX XXXX, the recipient, to go back to XXXXXXXX XXXX  AGAIN to request the same written statements. 

It is clear that Wells Fargo is going in circles and is not taking responsibility and they refuse to return my money. 

I have been opening cases with Wells Fargo now since XXXXXXXX XXXX XXXX. It's been 2 and a half years and this is unacceptable. XXXX does not have the money and they have provided written statements attesting to that. There is nothing else the recipient needs to get from XXXX. 

Wells Fargo must refund the money to me. It's none of my business whether or when they recover it from their system. But it must be refunded to me immediately without any further requests from me or from XXXX. 
Wells Fargo has the XXXX XXXX XXXXs and it's their responsibility to track and recover the money. 

Please, how can you make Wells Fargo stop putting me in circles on this issue? It can not be acceptable.