23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Equifax responded with an update to my CFPB dispute concerning inaccurate late payments on my consumer report. Equifax stated : XXXX XXXXXXXX # XXXX HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, DATE OF LAST PAYMENT, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY. If payment history was verified as reporting correctly then why am I still seeing inconsistence ( see attached ) in payment history and why was any modified fields made. Please provide supporting documentation for your investigation.
Product: Money transfer, virtual currency, or money service

On Thursday XX/XX/XXXX XXXXXXXX XXXX CDT, I wired {$5000.00} from my bank account to the Coinbase Intermediary bank, XXXX XXXX XXXX in New York. I sent this wire from XXXX XXXX XXXX in XXXX XXXX Texas. The following day, XX/XX/XXXX Coinbases intermediary bank, XXXX XXXX XXXX in New York, confirmed receipt of the wire transfer and confirmed that it had been credited to Coinbase, under the correct instruction ( XXXX ). I can provide you with any documentation needed to verify this information I have made no less than 6 attempts to contact coinbase through their customer service portal with no response at all. I also tried to call the company but there is no phone number provided to make contact. I then Emailed directly to their " wire transfer '' department on Saturday XX/XX/XXXX and again NO response. This wire transfer is supposed to be immediately credited to my USD wallet in my Coinbase account. It is Monday XX/XX/XXXX and I have not gotten my money credited. I had a time sensitive business purchase to make on Sunday night XX/XX/XXXX and there was a one hour window for me to complete my purchase through my Coinbase account. My Company missed this purchase opportunity and now it will cost me 10 's of thousands of dollars in revenue. I have read at least 50 postings on various websites and forum 's where Coinbase appears to be deliberately withholding customer funds on wire transfers. Coin base is operating in the USA as an " Exchange " and is governed by US securities laws. This situation looks dangerously like " wire fraud ''. Thank you for any assistance you might provide in helping me recover my misappropriated funds.
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 significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my Financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I have been with Pacific Western Bank, or the banks it acquired, for 24 years. I have both my personal and business accounts in the XXXX XXXX branch in XXXX XXXX. My company also uses the XXXX branch for our deposits from our XXXX office. With few exceptions the relationship with PWB has been symbiotic and professional until recently. As it stands now, a PWB manager is engaging in practices that are putting my business at risk and causing vendors and employees to go unpaid. 

Roughly a month and a half ago, XXXX XXXX, manager of the XXXX XXXX XXXX, began placing holds on our deposits. In some instances she would place a hold on only one of several checks deposited. In other instances she would place a hold on all checks deposited. The holds would be placed without her having reviewed the checks in person and without any personal knowledge of who the check issuers were or the amounts of specific checks. In two instances, at least, she placed 7-10 day holds on cashier 's checks from known depositors with whom we bank with weekly. As far as I can recollect, this year there has only been one instance where a check was returned to PWB from one of our client 's issuing banks for NSF. There was also only one instance of a check being returned due to a stop payment being issued. Those two instances were apparently the trigger for the scrutiny that XXXX XXXX is now indiscriminately wielding on all deposits. 

When I have inquired as to why she is doing this, her responses, the few times she answers my calls or emails, can be summarized as she must protect the interest of the bank and it's employees. How can that be done when she is single-handedly putting one of it's longest standing business clients out of business? 

As it stands today, she has over $ XXXX of my deposits on hold. As a result none of my employees were paid last week and remain unpaid, our primary vendor also remains unpaid, and I am spending more time and energy responding to her decisions to hold our money than I do responding to the needs of my employees during this difficult time. It is unconscionable that a company that is continually making deposits and capable of paying it's employees, albeit difficult, is unable to do so because it's bank manager has chosen to hold all it's deposits while the federal government is giving away billions to avoid this very issue. 

I am requesting all holds be removed from my deposits and that my accounts be transferred to a different branch with a different manager,
Product: Credit reporting, credit repair services, or other personal consumer reports

I I contacted EOS CCA ( Debt Collection Agency ) concerning a past due account to inform them that I ( XXXX XXXX ) was ready and willing to pay my past due amount in a payment plan. The account that I had with them was in collections and I wanted to pay the FULL balance due. I talked to the representative and told her that I would like to pay the FULL AMOUNT so that I could have this removed from my credit after paying. She informed me ( without me asking ) that I do not have to pay the full amount just a percentage and that would settle my debt in FULL. AND I FIRMLY told her NO I rather do a payment plan to ensure that this collection is removed from my credit! But she insisted and stated that no its ok Im repairing my credit as well, and I will have this removed from your credit report. And I told her are you sure because I dont want to have any problems once I pay this. She then stated hold on let me get my supervisor on the line and the supervisor got on the line and stated and I quote yes, Mr. XXXX once you pay the agreed amount we will have this removed from your credit. I said ok now bc I dont mind paying it in FULL so that it could be off my credit. He then stated thats no problem just as long as you pay the agreed amount it will be REMOVED FROM YOUR CREDT! So I paid the agreed amount and the reporting agency XXXX  got it and still would not remove it. I know the phone call was recorded and I let XXXX  knew by filing a dispute twice and they refuse to move it off my credit and they keep telling me after each dispute that their decision to keep EOS collection on credit score remains. This is not right because I feel as though EOS CCA LIED and DECEIVED me just to get me to pay anything when I was willing to pay the whole amount! What the representatives ( the manager and the original representative ) at EOS CCA did was unlawful. And I want justice thats why Im reaching out to consumerfinance.gov because filing two disputes with XXXX  is not helping AT ALL. PLEASE HELP!!!
Product: Debt collection

Zions Bank charged off an overdraft account back in XXXX and we got letters from the IRS that we owe the taxes on this amount. We also have XXXX XXXX XXXX trying to collect this same amount, that has been charged off and again the IRS is sending us statements we owe taxes on this " charged off '' amount. 
I have challenged this credit on my credit report and XXXX XXXX XXXX will not remove it. 
The charge off was back in XXXX, XXXX. opened the file on XX/XX/XXXX. 
So how can Zions bank charge it off, get a tax credit in XXXX and then sell the debt in XXXX? Seems illegal! 
Why do I have to pay taxes on this amount and also be expected to pay the debt as well? 
I have never seen or heard of this and I want it removed from my credit report immediately!
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had at least 10 accounts repoved from my credit report. Possibly more. And not one of the did I acquire proper raises in my score for having it removed. What do I do no
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Loan amount : {$39000.00} I purchased a vehicle from XX/XX/XXXX in Indiana in XXXX. After driving the vehicle for XXXX days, a catastrophic error occurred in the vehicle not due to me as the operator. Vehicle has been in the shop through the end of XXXX. In that time, XX/XX/XXXX in the general manager, XXXX XXXX sent me paperwork to sign for the buyback of the vehicle. During that time the date in which the initial payment was due on, the vehicle did not occur and I let XXXX XXXX know that it is past due. I was receiving phone calls from the collections department at Northwest bank and passed along the letters that northwest bank have been sending to me to XXXX XXXX atXX/XX/XXXX. His finance department was very unresponsive. They kept telling me it was being handled so the check never was sent to, Northwest Bank to buy out the vehicle from me. I had to threaten with legal action for them to finally send the check to Northwest bank in XXXX. I received a letter stating my vehicle had finally been paid off at the end of XXXX. This has negatively impacted my credit score due to the lack of urgency and competence at XX/XX/XXXX. I dont believe its right for me to suffer because of their poor customer, service, and lack of willingness to help. Documentation of the buyback clearly dated XX/XX/2023 is included in this claim in the letter from northwest bank in XXXX stating my payment still had not been made which was past the 90 day window. Please make this right for me.
Product: Debt collection

This company ADR ( XXXX-XXXX-XXXX  ), continues to call my home phone and our cell phone at least 15 to 20 times a day. They states that they are trying to get in touch with someone that doesn't reside here. I told them that they have the wrong number by they continues to harrass us everyday all day.
Product: Debt collection

The XXXX and XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX . Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Checking or savings account

On XX/XX/2023 at XXXX XXXX, I contacted Navy Federal Credit Union 's customer service regarding a concern I had with the check deposit processing time. I had deposited a check over a XXXX dollars in the on-site ATM at the Navy Federal Credit Union 's local branch in XXXX, GA on Saturday, XX/XX/XXXX. After waiting on hold for an agent to answer my call, I was able to speak to an agent. She elaborated on the check deposit processing time of 7 business days, and our conversation ended on a professional note.

However, after I ended the call, my checking account was flagged by the Navy Federal Credit Union security department at XXXXXXXX XXXX on XX/XX/XXXX. I was unable to log in with my correct credentials and was left confused about the situation. 

The next day, on XX/XX/XXXX, I called Navy customer service and was informed that I needed to speak to the security department. But the agent told me the wait time was two hours or more. She suggested that I go to the Navy Federal Credit Union local branch. When I went to the branch, I was told that they could not assist me with unlocking my account. The manager on duty could not provide an explanation about my locked account with their security department. She suggested that I call the security department after XXXX XXXX. However, when I called again after XXXX XXXX, I found out that the security department 's hours of operation were from XXXX XXXX  to XXXX XXXX. 

I am an XXXX  and I deposited a significant check amount at Navy Federal Credit Union XXXX However, my transaction was flagged as suspicious activity. I am confused about why Americans can't deposit a significant amount of checks into their account without being flagged as suspicious. Can you help me understand why this happened and why my checking account is still locked?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate this account from XXXX XXXX XXXX # XXXX, 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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

VXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect. Please remove it from my credit report
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 confidentially under 15 USC1681.

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct : XXXX Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute an inquiry, from Equifax on XX/XX/2024, as inaccurate as I did not authorize it. According to the fair credit reporting act when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that I believe to be inaccurate or incomplete. The act mandates that credit reporting agencies must investigate disputes, correct any inaccuracies, and provide a response to the consumer within 30 days.

I request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I have attached a copy of my credit report with the disputed inquiry highlighted, along with any supporting documentation to substantiate my claim.

Please provide me with a written confirmation once the unauthorized inquiry has been removed. If you require any further information, please contact me at the phone number or email address listed above.

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Monday XX/XX/XXXX, citizens has stated that they would be placing an overdraft fee on my account at XXXX or XXXX pm they claimed it would be removed if the {$45.00} was paid by XXXX. I paid the overdrawn amount at XXXX or XXXX XX/XX/XXXX. Tuesday morning XX/XX/XXXX XXXX comes and the fee is still there they claim because of a fee THEY placed of {$1.00} was added to the account by CITIZENS that I now have to cover {$35.00} despite them saying if the initial {$45.00} not the {$1.00} they added at XXXX was paid the fee would be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$1000.00}, {$500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 


2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$500.00} -This is not my account.
Product: Debt collection

after hundreds of harassing phone calls and letters, I answered a call from them. the woman I spoke with said we could settle the debt for XXXX dollars. I would have 10 payments of XXXX dollars. So I agreed to those terms and sent my first payment of XXXX dollars. Shortly after I made my payment, I got a statement in the mail that reflected a balance of XXXX dollars which should have been XXXX dollars. So I called them to ask if they made a mistake in my balance and they replied, that is your balance. I told them THAT'S NOT WHAT WE HAD AGREED UPON!!! And they said that I had to pay that amount anyway. 
So at that point I decided that portfoilo recovery was using loan shark and Mafia tactics which I'll have no part of! If they would have stayed with our agreement, this would have been paid off already. Now they are taking me to small claims court XX/XX/2019!
Product: Checking or savings account

I filed a dispute with Chase Bank regarding a money transfer company called XXXX I used. I filed a complain here against XXXX which is saying that they have refunded the money to Chase through the dispute process. This is the complain number of that previous complaint. 
XXXX. I been dealing with this situation since XXXX XXXX. Chase bank is saying the dispute was lost. XXXX is saying the dispute was won they acknowledged my failure of reciept of payment. They said this was done through visa. I have copies of receipt of everything. This transaction was for {$500.00} dollar I just want my money back.