23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

This complaint is directed towards CoinBase global. Full disclosure I was not materially affected by this situation, but I did witness this situation take place and am submitting a complaint on behalf of everyone who was harmed because I want to add my voice to a call for CoinBase to do the right thing and make their loyal customers and investors whole. 

CoinBase recently listed the crypto token Shiba Inu on their CoinBase pro trading platform. Due to their botched rollout of the token, the price tanked and cost those buying the token on their platform most of their investment within seconds. 

Specifically what happened. CoinBase allowed purchase of Shiba Inu on their platform but not the inbound transfers of shiba Inu from other exchanges or external wallets. This caused the price of shiba into to become inflated far beyond its market value as traded on other exchanges. 

CoinBase stated that there was a technical problem with inbound transfers of shib, but failed to protect their customers in any way, by closing trading while the technical issues were fixed or closing their traders positions before they took actions which would crash the price -698 % in 1 hour. 

Eventually CoinBase would announce that inbound transfers of Shiba Inu would be accepted and the bubble in price of shiba Inu that exited on CoinBase popped as shiba Inu tokens flooded into coinbases exchange from outside exchanges and wallets. 

I do not believe that CoinBase intended for their customers to experience losses in this way, but it was their actions that appear to have caused significant pain for many people. As soon as I witnessed the price drop on my CoinBase pro account I went to CoinBase pros XXXX account and read a litany of complaints from people who lost a significant amount of money. If CoinBase does not compensate these people commensurate with their losses then CoinBase is contributing to a negative image of crypto as a whole. 

I continue to use CoinBase for my trading activities and as stated previously did not personally suffer materially losses from this situation. 

I simply want to call on CoinBase to DO THE RIGHT THING! And make people who were ensnared by this situation whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I made these payments on time, and the company changed the due dates on the card without notifying me. This is a tactic this company continues to use, In order to receive fees. I have reached out several times and asked them to clear up the situation, and they haven't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent back in XXXX and XXXX, I asked the following creditors to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that TransUnion, XXXX, and XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. XXXX failed to send me any correspondence at all after numerous requests. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. As you may be aware, " Estoppel by Silence '' legally means that the credit bureaus and the listed creditors had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense since I have a track record of you not sending documents back to me. Please forward me an updated credit report after you have completed your deletions and corrections of the following accounts from XXXX, XXXX, and Transunion. 

XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX/XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting or other personal consumer reports

Following your recent evaluation, I need to address ongoing issues with my credit report that require immediate attention. The persistent errors on my credit report raise serious concerns about the accuracy of the information. My goal is to rectify these errors, specifically the following : XXXX XXXX XXXX XXXX Balance Owed : {$540.00}. Please provide the names and addresses of the individuals contacted for each disputed item as required by the Fair Credit Reporting Act ( FCRA ). If this information can not be provided to my satisfaction, I request that you update the account and assist in resolving this issue.
Product: Debt collection

recently checked my consumer report XXXX and noticed that Credence Resource Manage was reporting a charge off since XXXX of 2023. I sent debt validation letter green return receipt # XXXX along with the a CEASE AND DESIST XX/XX/2023. Its now XX/XX/2023 and Credence Resource Manage has not responded they are still reporting after i gave them a Cease and Desist all communication through all mediums including the consumer reporting agencies however they did not honor my cease and desist { pursuant to 15 U.S.C 1692 ( c ) ( c ). Credence resource manage never received prior consent with me through communication through the consumer reporting agencies { pursuant 15 U.S.C 1692 ( a ). My privacy is My right and no one can ever infringe upon my privacy however credence resource manage has infringed upon my Privacy with my personal credit data { pursuant 15 U.S.C 1692 ( a ) } the way credence resource manage is very abusive deceptive and unfair should be liable for all my actual damages { pursuant 15 U.S.C 1692 ( a ). This Credence Resource manage has threatened me through communication through the consumer report because the consumer report is my life. { pursuant 15 U.S.C 1692 ( d ) ( 1 ) ( 2 ) ( 4 ) } The fact that this alleged debt wasnt validated should have never been reported nor furnished to my consumer report alleging owing XXXX is obscene and profane language that has truly threatened my reputation. to not honor a cease and desist and continue to Report invalidated alleged debt to my consumer report is only the advertisement for sale of any debt to coerce payment of the debt { pursuant 15 U.S.C. 1692 ( 4 ) }. My Consumer report is my life and My general reputation { pursuant 15 U.S.C 1681 ( a ) } is my life that Credence resource manage has threatened { purauant 15 U.S. C 1692 ( d ) ( 1 ). Credence resource manage has defamed my character and defamed my Reputation. By failing to validate this alleged debt pursuant 15 U.S.C 1692 ( g ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) i now have not been able to extend credit i have been getting denied due to this invalidated untrue reporting information to my consumer report and now i can't provide for my family. Credence Resource manage due to failing to comply with the provisions of Fair Debt Collection Practices Act I have been injured. { pursuant 15 U.S.C. 1692 ( k ) any debt collector who fails to comply with any provisions of this subchapter with respect to any person is liable to such person in an amount equal to the sum of XXXX XXXX ( 1 ) any actual damages sustained by such person as a result of such failure. 

green return receipt # XXXX
Product: Student loan

XXXX XXXX refuses to tell me how they are coming up with my loan forgiveness date. They always say they will get back to me. I have tried calling, letters, and a prior complaint to CFPB in which they responded on XX/XX/17 saying that they would get to me. This is over a XXXX later and they still have not gotten back to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account ( XXXX  # XXXX ) is reported to have been opened XX/XX/XXXX. There is one month of payment history reported by the issuer, which has been disputed as inaccurate and incomplete on a number of occasions.

The issuer will not furnish complete and accurate information to the credit bureaus. 

On XX/XX/XXXX, Experian stated that the account was updated, but the report shows the last status update was XX/XX/XXXX, which means they never investigated and there was no update or, the issuer provided false information. The payment history is still missing. 

I have a legal right to complete and accurate information to be reported on my credit file. If the information can not be updated or corrected, then it must be deleted. 

The omission of payment history has negatively impacted my credit score. Since this will not be updated or corrected, I demand that this item be immediately removed from my credit report.
Product: Credit reporting, credit repair services, 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 usc 1681. 

XXXX  XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting Agency if the person knows or has reasonable calls to believe that the information is inaccurate.
Product: Debt collection

I received a HELOC mortgage back in  XXXX  or  XXXX  from   XXXX   XXXX   During that time, I paid as required, until the mortgage crisis caught up with me in  XXXX . I contacted them to try to make arrangements, but they refused to work with me at all. The property securing the HELOC is in a foreclosure lawsuit that originated in  XXXX  of  XXXX , and  Regions  Bank was named as a Defendant and legally noticed at the same time I was.   XXXX   XXXX   did not respond or file any sort of answer into the court case at the time.     More than a year later in  XXXX  of  XXXX ,   XXXX   XXXX   filed an attorney appearance, and then, a month after that in  XXXX  of  XXXX , filed an Answer. In a hearing or status conference with the Court shortly thereafter, I specifically asked the question about the timeliness of   XXXX   XXXX   claim, and the judge indicated that their answer was untimely and they had lost their opportunity to be a part of the current lawsuit. I assumed the matter was closed and    XXXX   XXXX    claim was dismissed.     However, shortly after those events, in  XXXX  of  XXXX , I received a collections letter that appeared to reference the   XXXX   loan, from a company called   XXXX   XXXX    from  XXXX , MA. They indicated that they were now the " owner '' of the loan and demanded payment. I responded to them, disputing their charge, and requesting proof of their " ownership '' and documentation that   XXXX   XXXX   had transferred this loan to them. I received nothing, and heard nothing as a follow-up to my letter.     But in  XXXX  of  XXXX , some  XXXX  years later, I received correspondence from  XXXX ,  XXXX  and  XXXX , LLP from  XXXX , GA. In this letter, they appeared to indicate they were representing   XXXX   XXXX   directly, but due to the history and the purported selling of the loan to   XXXX   XXXX  , I was quite suspicious. I contacted them, disputed their claim and requested proof of such. I have received nothing, but another demand letter that clears up none of the issues I cited in my original letter, and does nothing to establish who they represent, much less who is now claiming I owe them money.     So, on  XXXX   XXXX ,  XXXX , I sent yet another letter to  XXXX ,  XXXX  and  XXXX ,  XXXX , explaining again my suspicions, and requesting again, for them to show proof of who they are representing, as well as proof that whoever they represent has a claim against me and the nature of that claim.     I am informing your agency of this matter in advance, as I suspect I will continue to receive the run-around from this firm, as has been the case in all collections matters in which I have been associated.     I am requesting that you see if you can find out why these people are harassing me, what the nature of their claim is, and strict proof that this loan has not been charged off, dismissed and retired.     I have attached the last letter I sent to  XXXX ,  XXXX  and  XXXX  containing specific dates of all the events outlined above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax to let them know there were a lot of fraudulent inquiries made there were 28 of them. And I was hoping that they would remove them without having to go through this process but they said they could not and I had to file a report with you guys.
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

Transunion has been neglecting my requests for the removal of the fraudulent information on my file despite the multiple written appeals that I have been sending to them. The last letter I sent to Transunion was XX/XX/2022, with complete attachments of my personal information to remove the account and information reporting on my file that is completely UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this account in my previous Complaints & I am including them again : XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

I do not owe Progressive Insurance anything, they cancelled my insurance for non payment now trying to charge me for insurance not provided!! I am not paying this, Cease and Desist!!!
Product: Vehicle loan or lease

Currently Honda Financial Services only accepts purchase from Honda and Acura Dealers. This practice creates a disadvantage for me as a customer since the Honda and Acura dealers will offer disadvantageous terms in the loan used to repurchase the car. 
I would like to sell the car to XXXX, which is a car dealer, and has a reputable history of operations. This will allow me to collect higher resale price. Honda Financial Services stated that they will NOT accept a check from XXXX and that the title can not released. 

I asked how long I would have the title released so I can resell to XXXX, HFS will only release and provide the title in 3 or 4 months!!! 

This situation is exploitative since the shortage of used cars in the market and XXXX intent do collect benefits to their Honda Dealers.
Product: Credit reporting or other personal consumer reports

Improper use of my report. 
Date of incident XXXX XXXX XXXX ( Amount Credit limit {$750.00} ) Company : XXXX XXXX  Under 15 U.S.C. 1681 section 602 states, I have the right to privacy.

Under 15 U.S.C. 1681, section 604 A section 2, A consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C. 1666B, A creditor may not treat a payment on a credit card account under an open-end consumer credit card as late for any purpose.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Checking or savings account

On XX/XX/2021 {$870.00} was deposited into my capital one capital one was reviewing it was supposed to be released XX/XX/XXXX first payment of {$200.00} second payment for {$670.00} was supposed to be released on XX/XX/XXXX. I spoke to a senior advisor he let me know he is short me they had my funds and it would be released on the days now Captial One says they sent my money back to the financial institution how do you send money back to a financial institution that Ive close down and unlinked from my external account the external account is XXXX XXXX and at XXXX XXXX  you cant talk to human XXXX XXXX  wont give me my money back and it was never deposited so now Im sitting here out of {$870.00} in the middle of a pandemic. With nothing.
Product: Mortgage

My previous complaint with Nationstar Mortgage was looked into deeper by the company regarding a sum held in a suspense account that was not applied to a payment, thus making every payment following that late. After the  XXXX  review, Nationstar admitted fault, stated they would go back and change the VOM, but have not yet completed this. The payment history was completed, but not the VOM.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  verified a bankruptcy through a third party XXXX XXXX. Before, they would say " A company '' verified the public record. I now have proof they never verified because my XXXX XXXX file had a security Freeze since last year. This report is dated XX/XX/XXXX my XXXX XXXX file was frozen XX/XX/XXXX. In addition, the Bankruptcy court said they do not communicate with Credit Reporting Agencies.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I believe that American Express may be discriminating against me due to my age. Taking into consideration my history of payment with them, my income ( which they are aware of. ) I see no other reason why the application could have been cancelled.
Product: Credit reporting or other personal consumer reports

Original case XXXX bureau stated public record XXXX XXXX  XXXX was verified this was a lie and they are committing willful noncompliance. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) RE : Warning to Remove Incorrect Items from my Credit Report XX/XX/XXXX To Whom It May Concern, I have previously disputed XXXX XXXX XXXX Public Record { Docket Number XXXX } with you, and in your initial response, you veried the item as accurate, stating that you have veried the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately. Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CREDIT REPORTING INFORMATION The XXXX XXXX XXXX XXXX does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. XXXX  filings are publicly available records. Any concerns regarding the accuracy of consumer credit files can be directed to the credit reporting agencies. Each credit reporting agency has specific procedures for consumers to dispute information listed in their credit files. The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) is the law that controls credit reporting. The Act states that credit reporting agencies may not report a XXXX  case more than 10 years after the order for relief is entered. This is usually the XXXX  filing date. For more information about the Fair Credit Reporting Act or directions on how to dispute information reported on your credit report, visit the Federal Trade Commissions website, or contact the FTC XXXX at XXXX ( XXXX ).