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

On Friday, XX/XX/XXXX at XXXX XXXX  EST, I executed a trade of XXXX DNT  ( XXXX ) tokens using the Coinbase App. At this time the spot price on Coinbase was XXXX USD. As communicated through the Coinbase App, when I agreed to sell my tokens, my portfolio was valued at XXXX, XXXX USD. As the transaction was completed moments later, my portfolio, then in USD, was valued at XXXX USD - an evaporation of XXXX, XXX USD having been given XXXX USD per token, while DNT was still trading north of XXXX higher. I fully understand slippage is to be expected while trading cryptocurrencies, especially on Coinbase, however a delta of north of 20 % is not slippage but an error ( at best ) and one that hopefully is corrected swiftly.

I've attached screenshots of the transaction as well as a video illustrating the sudden, instant, drop in my portfolio value.

Please see the attached for reference : Image # 1 & # 2 : DNT 's Coinbase Spot Price on two different views showing that at XXXX XXXX EST, 1 minute after my transaction was executed, the spot price was still XXXX - XXXX USD. 

Image # 3 & # 4 : My personal Portfolio balance at XXXX XXXX  EST on XX/XX/2021 and my personal portfolio balance at XXXX XXXXM EST on XX/XX/2021 after I had sold my DNT. 

Image # 5 : This video illustrates the above ( similar to Images # 3 & # 4 ) and clearly shows the evaporation for XXXX USD in portfolio balance.
Product: Mortgage

To whom it may concern, Citizens Bank has such a terrible job getting my loan closed this will be my second complaint within a week because they are still giving me problems I had to switch lenders because we were pushing the 90 day mark and they are now refusing to transfer my case number for loan XXXX which was requested over 1 week ago they have also The phone that it has been transferred which is false information I just checked with my new lender and they HAVE NOT received it as of XXXX a.m. here on Monday XX/XX/XXXX. 
Thanks a bunch for your help in advance and if you have any questions please feel free to contact me at the number below or my email address thanks again Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FLXXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

Without warning, Capital One Bank ( XXXX Checking Product ) put a freeze on my opening deposit that I sent via XXXX ( which they had been hounding me for for DAYS after opening the account ). I asm not subject to any kind of garnishment, levy, or anything of that nature. When I attempt to even access my account, I get the following message '' Your funds are currently not available for withdrawal. Please call us at XXXX.
Product: Debt collection

Ally Financial XXXX made various phone calls to my home in XXXX and cell over 2-3 days from no. XXXX, left message without stating purpose or simply called without leaving message. 

On XXXX/XXXX/2016 around XXXX XXXX I called the call back no. and spoke to a XXXX XXXX. She checked both my phone nos. that Ally had called and said they had no record of a debt owed them at either phone no., she could n't say why Ally had called me. 

I then saw an email from my daughter that someone from XXXX had called my son-in-law asking for my contact information. 

The next day XXXX/XXXX/2016 I called the no. given to my son-in-law, XXXX, x XXXX, and spoke first with " XXXX '', who said that they had been looking for a client with same ( very common ) first and last name as mine that they " had lost contact with '' in XXXX. 

XXXX noted that he saw my locations in his database were XXXX and XXXX. 

I then asked XXXX to speak to his supervisor, XXXX XXXX, who said it was customary for them to call all associations of someone when they have the same name of a debtor, even in this case where my locations did n't agree. 

In fact, I have had my XXXX tel. no. for 8 years, and my XXXX no. for about 20 years, so I could not possibly have been Ally 's client in XXXX. 

Ally Financial did not use publicly available personal data in a responsible way. They invaded my family 's right not to be disturbed by not using data in a professional way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX applied for a loan for XXXX for the purchase of a car he was issued the loan via check from Navy Federal XXXX XXXX and XXXX XXXX was on the loan they went to Navy Federal XXXX XXXX XXXX  and deposited the check from Navy Federal the check clear and the money was available for XXXX to take the money out XXXX went to the bank and asked if he could withdraw XXXX out they said no we don't have it but they said we can issue you a cashier check for the amount so XXXX said ok issue me a cashiers check for XXXX XXXX because he has a car I want to buy Navy federal in XXXX XXXX  issued the cashiers check to XXXX XXXX. XXXX XXXX deposited the check in our account we were able to use the money then on XX/XX/XXXX at XXXX am we called the bank and asked if we could withdraw XXXX out of the bank because we were told to call ahead of time for money like that so then the security department gets on the phone talking about we shutting your account down for fraudulent activity and wouldn't explain what they thought the fraud was please help.
Product: Debt collection

JEFFERSON CAPITAL FRAUDLENTLY ADDED A COLLECTION TO MY ACCOUNT. I DO NOT HAVE AN ACCOUNT WITH JEFFERSON CAPITAL. I DID NOT CONSENT FOR MY INFORMATION TO BE SHARED WITH JEFFERSON CAPITAL. MY RIGHTS WERE VIOLATED AND IT RESULTED IN MY CREDIT REPORT HEALTH BEING DAMAGED.
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 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX  XXXX XXXX XXXXXXXX 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 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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, credit repair services, or other personal consumer reports

MEDICAL DATA SYSTEMS INC OPENED XX/XX/2021 AMOUNT {$190.00} I contacted this company to ask for verification of this account unfortunately, they was not able to do so and they are still reporting. It is not my intention not pay for debt that I owed, however, I do not recalled doing any type of business with this company, however, I asking this company to verify this account and I am not asking for any itemized bill, I am asking for contracted with my signature that stated I have done business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONTINUING TO FURNISH INVALID, INACCURATE AND/OR OUTDATED INFORMATION ON MY CREDIT REPORTS. PROVIDING FALSE AND MISLEADING REPRESENTATION UNDER FDCPA AND FCRA GUIDELINES.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transaction was authorized, I was charged fees due lagged posting of charges and credits. Thiis 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX data breach and this may be the way my information got into the wrong hands
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to XXXX
Product: Money transfer, virtual currency, or money service

I used XXXX through my XXXX  XXXX XXXX account on XX/XX/2018 to purchase hockey tickets, at a cost of {$300.00}, that I never received. I realized within an hour I was scammed. I tried to call XXXX  XXXX XXXX to stop the payment and they told me I had to file a claim. I then called Wells Fargo where the fraudulent account was, to stop acceptance of the payment, and they refused to speak to me since I do not have a Wells Fargo account. XXXX XXXX XXXX reviewed my claim and said I made the transfer, there's nothing they can do. I only used XXXX as it is on the XXXX XXXX XXXX website, so assumed ( wrongly apparently ) it was a safe manner to transfer the money. I am a Premium Platinum Client at XXXX XXXX XXXX I have banked with them for over 35 years and they will do nothing to help me. I recently spoke to a friend who told me he had a similar situation. He banks at Wells Fargo and they reimbursed him the {$250.00} he had transferred to a scammer. So I decided to call XXXX XXXX XXXX and ask them to once again review my claim based on Wells Fargo 's reimbursement and they again refused to help me.
Product: Credit card

I had a TD Bank credit card which I last used in early XXXX. Although I cant say with certainty when my credit card was stolen, when I noticed fraudulent charges on my statement, on XX/XX/XXXX, by phone, I disputed the charges for {$5400.00} incurred between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I disputed the charges posted on XX/XX/XXXX and XXXX. I closed the account to ensure that there would be no further fraudulent charges. In correspondence dated XX/XX/XXXX, I was informed that there had been a determination that no fraud had occurred. The sole justification included was that " similar transactions were authorized by you, and the spending pattern is consistent with previous account history. '' No further explanation was given, nor was I ever contacted to provide additional information. It is clear that a thorough investigation was not conducted as the fraudulent spending included over 20 car related transactions and I do not have a car and have never made vehicle transactions similar to the pattern used by the thief. I worked XXXX from XXXX Monday through Thursday during the time period in question. By phone on XX/XX/XXXX, I requested the documentation used in making the decisions. I have yet to receive this information. Subsequently I received a letter dated XX/XX/XXXX informing me that payment was due on the disputed fraudulent charges. I sent a certified letter with return receipt requested noting my continued dispute but the bank refused to sign for the letter. To assist in resolving the matter and to aid in my own understanding of the fraud I have listed the charges in date order. I have looked up addresses to the extent possible but because I am not a customer of these merchants, this information may not be complete.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts I have marked inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After the data breach at the Oregon XXXX, I checked my credit report to look for unusual activity. I discovered one entry that I did not recognize on XX/XX/2023, from " XXXXKAYJEWELERS ''. The description was " XXXX ''. I did not ask for this request for credit and I am concerned it was done by someone who stole my information.
Product: Debt collection

The debt collector Source Receivables is attempting to collect a debt on behalf XXXX. I don't know the chargers or reason of the collection and I didn't receive enough information to verify the debt, I asked to the collector for a full Itemized statement but they refused to mail me the bill that they are collecting because they don't have it on file. I assume is a balance with XXXX is because XXXX never applied a credit that they supposed to do, -so XXXX promised a credit but never applied in the account-. 
I called the collector and disputed the account because they never gave me the chance to pay the bill before they report the collection account with the credit report agencies, they said they sent me an initial notice of right to dispute my old address on the XXXX XXXX XXXX XXXX, XXXX XXXX CA, but I am not longer living there since 2018, even my new address is in a different city but the collector said " that is irrelevant '' I told the collector my intention to dispute this account because I don't known the charges and I think XXXX has to apply the credit that they promised, but they collector said I can not dispute the bill I just have to pay it and for the collector the initial told the collector my but the collector said that is irrelevant.
Product: Checking or savings account

Ive had XXXX $ saved my Venmo accounts for months now I need the money badly so I finally decided to transfer it now they have frozen my account and not let me access money I have rent due this is just not right they can just take my money like this I need hope pleas I beg Ive showed them my id and everything and that Im owner and my bank account statements can provide proof of anything if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please take a look at the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$830.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$810.00} DEPTEDXXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$460.00} XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Debt collection

XXXX XXXX called me from XXXX but left a call back number of XXXX. He said he was trying to reach my neighbor XXXX XXXX about a debt collection and I needed to reach him and have him call them. I told him this was highly unprofessional and he shouldn't call clients neighbors. It actually turns out he had my maiden name from 14 years ago and was calling about a very old neighborhood. He told me calling neighbors isn't illegal and he can do what he wants.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

There are XXXX state liens on my credit file. They are not my state liens. They are associated with another person at a different address with my name apparently. After telling this to the bureau over and over again, they have refused to remove it. I even contacted the courts and they stated that they do not communicate and verify information on state liens to the credit bureaus. And XXXX courthouse do not have anything with my complete SSN and address on file. So, I need to know how do the credit bureaus verify, especially if it is not through the main source. And, who gave them permission to do so, if that is what they did. it is obvious that they have the incorrect information.
Product: Credit reporting or other personal consumer reports

Bank of America ran my credit twice I never gave permission XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ran my credit I never gave permission XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX has auto loan out that I never applied for XX/XX/XXXX I did not apply for credit nor give permission to any XXXX to apply on my behalf
Product: Credit reporting or other personal consumer reports

XXXX refuse to update information to its third parties. The third parties has all the wrong information and can not update until XXXX updates them. its been over a year and these vendors and XXXX are blamming each other while i get denied credit, housing
Product: Debt collection

I went to XXXX  from XX/XX/XXXX to XX/XX/XXXX. I seen on my credit report that was a collection of {$1400.00} from a collection agency named Vance & Huffman LLC account XXXX XXXXXXXX. The original creditor is XXXX. I reached out to them and told them I never took out a loan from that creditor. I don't even know that company at all. So I went on line and disputed it and it come back and said that the name and the I formation was correct. I want it off my credit report. I was in XXXX at that time. I can send in my release dage papers. Please help me. Thanks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. This account is reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX )