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

I am appealing to the CFPB for intervention regarding the restrictive {$5000.00} weekly sending limit imposed on my cryptocurrency transactions by Coinbase. As a U.S. citizen, a verified Level 3 user, a holder of the Coinbase Visa card, and an IT professional, I find this limit, purportedly for security reasons, completely unjustified and a hindrance to my financial independence. This is especially so considering the robust personal security measures I utilize, such as employing a password manager, two-factor authentication, and additional security best practices. 

I made efforts to address this issue with Coinbase on XX/XX/2023, but my case was abruptly closed on XX/XX/2023 without any form of response or rationale. Such dismissal not only disregards my need to self-custody my assetsa fundamental right in the cryptocurrency sphere that allows individuals to manage their holdings directlybut also ignores the fact that not all Coinbase users are subject to this same limit. The imposed limit means it would take over 2 years to transfer my entire portfolio to my personal wallet. This is not only impractical but also runs counter to the principle of autonomy that cryptocurrency is built upon. This is in stark difference from the {$500000.00} daily transfer capability I have with XXXX. This discrepancy reveals a significant inconsistency in user treatment and a deviation from accepted industry practices. 

The weekly transaction limit also leads to an accumulation of excessive network fees, undermining the cost-efficiency that blockchain technology is known for. The constraints imposed by Coinbase do not align with their promises of transactional freedom, and the opacity of their customer service response has left me without clear justification for how these limits are determined or can be reviewed. 

The current limitation not only undermines my ability to engage in the cryptocurrency space as an informed and responsible user but also limits my financial freedom without a valid basis. I am fully aware of the risks and have taken more than adequate steps to secure my holdings, which should be acknowledged through a reconsidered sending limit appropriate for my situation. 

Therefore, I am requesting that the CFPB support my plea for a substantial increase in my sending limit, reflecting my verified status and my capabilities in managing security risks. Such an adjustment would also ensure equitable treatment in line with other users and market norms. 

Enclosed is evidence highlighting the differences between the sending limits set by Coinbase and those available to me through XXXX. I am grateful for the CFPB 's assistance in this matter, aiming to uphold my rights to securely and effectively control my cryptocurrency investments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my EQUIFAX credit report. The account is showing a REPO status. The car was traded in to purchase another car with a different car dealership. I was not in possession of the car when it was repo 'd from the other car dealership, my fees and everything were paid on time and in full. Please update my account to paid as agreed and not a REPO.
Product: Debt collection

I XXXX XXXX have been on a medical leave since XXXX I not able to work and waiting on SSID for help. I have been receiving false information from a DEBIT COLLECTOR SINCE XXXX. FOR A CREDIT CARD I DON'T EVEN HAVE THE COMPANY IS CALLED NCB MANAGEMENT SERVICES XXXX XXXX XXXX XXXX PA XXXX
Product: Mortgage

I bought my first house in XX/XX/XXXX and my mortgage company went thru XXXX, my first payment was XX/XX/XXXX. I got with my bank and they began having my mortgage payments drafted from my bank account beginning in XX/XX/XXXX twice a month. Everything ran smoothly until XXXX of XXXX when XXXX transferred my loan to Mr. Cooper. Being a first time home owner my bank continued to draft my payments to XXXX until Mr. Cooper sent me a letter stating my past due balance, I emailed Mr. Cooper and XXXX ( researchincoming - Mr. Cooper & XXXX XXXX in XXXX of the payments made showing that my loan was current and XXXX needed to transfer my payments to Mr. Cooper, I spoke with XXXX several times trying to get my payments transferred. In XX/XX/XXXX I had to pay {$2000.00} the loan payments I had already paid for to keep from foreclosure. Finally in XXXX they credited my account and I didn't need to make a payment until XX/XX/XXXX. I had already paid {$670.00} on XXXX which was put into Unapplied Funds with Mr. Cooper and completed my XXXX fee of {$670.00} on XX/XX/XXXX. I also made a payment of {$330.00} on XXXX. I have made a payments to keep my loan current but since my payments are partial payments they continue to keep them in Unapplied Loans and continue to send me letters and threaten late fees. I have called them several times but they insist since they are partial payments they will not move them to my balance. I am a single parent who has suffered health issues and I pay my dues timely. I am unable to speak with a representative from Mr. Cooper any longer due to my health and the fact they do not listen. Mr. Cooper states I owe {$1600.00} for XXXX and that exact dollar amount is in Unapplied Funds. I am unable to pay my mortgage at this time in 1 payment, I will continue to pay 2 monthly installments like I always have. 

Also, I didn't receive a letter from XXXX for resolution until XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So I received a 1099- c for tax year 2018 but DISCOVER keeps reporting the account every single month as past due. Date of first delinquency is incorrect, balance is incorrect payment history is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I wrote TransUnion they never remove anything while other two credit bureau which is XXXX  and XXXX  In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 



I demand the following accounts be verified or deleted immediately. 
Account XXXX/XXXX  - XXXX {$230.00} USDEPT OF ED/XXXX/XXXX  XXXX {$3000.00} US DEPT OF ED/XXXX XXXX XXXX/XXXX   XXXX {$54.00}
Product: Checking or savings account

Bank of America closed my account back in XXXXXXXX XXXX XXXX due to business decision stating over draft fees and stated they couldn't explain to me why they closed it and couldn't reopen it. I was close one time with an agent to reopen he was gon na get me assistance with another agent to proceed with the process but they ended the call. I believe all of this is an conspiracy against myself and other account holders in the world no justice at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows a late payment to XXXX ( XXXX ) in XXXX and XX/XX/XXXX. I have a LETTER from the XXXX company themselves saying 1 ) there were no late payments AND 2 ) they have reported it correctly to Experian showing no late payments. I submitted the correction WITH THE LETTER uploaded to Experian twice, most recently XX/XX/XXXX, and they are refusing to fix it, leaving the ding on my otherwise excellent credit. This is unacceptable. Please inform Experian they MUST fix it. It is not their right to report whatever they want and have that affect rates I am given for my home mortgage etc! Especially after I've done my due diligence twice to write the companies, provide PROOF, and uphold my part of transactions.
Product: Debt collection

This company is asking for a debt that I had no legal binding contract with them regarding. I entered into an agreement with XXXX and have no knowledge of who this company is or why they've been sold my debt. Please see below for steps I am willing to take to correct this action ASAP. 


I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Verification of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commercial Codes, Federal Fair Credit Reporting Act, and Nevada State Statues for Lawful Purposes.3.A copy of the contract signed by both parties and therefore binding both parties.4.Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold.5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.6. I demand you define what $ is in law, and cite any law defining the $ symbol and what form or specie of payment under 15 USC 78m ( q ) ( 1 )? 
I hereby give you 7 days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your said failure to provide the aforementioned documentation within 7 days, from the above date, to validate the debt, will constitute your agreement to the following terms : That the debt did not exist in the first place ; ORIt has already been paid in full ; AND That any damages suffer, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further.
Product: Debt collection

PER 15 US CODE 1681 ( b ) ( 2 ), 15 US CODE 1681 ( a ) ( 1 ), 15 USE CODE 1681 ( C-2 ), 15 US CODE 1681 ( a ) ( 2 ) ( a ) ( i ) these accounts need to be removed asap. Once again per statues above these accounts need to be removed THESE ACCOUNTS DON'T BELONG ON MY CREDIT REPORT REMOVE FROM ALL CREDIT REPORTING ASAP
Product: Checking or savings account

Upon reviewing i notice a New CHASE Total Checking account and credit card open under my information without my acknowledgement or consented. Please authenticate the account holder.
Product: Credit reporting or other personal consumer reports

I applied for Venture card using the pre-approval and XXXX hard inquires for XXXX credit card application on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is about the inaccuracy that is reporting to XXXX, XXXX and XXXX there are serval ideas on my profile that are not accurate or does not show the same information this is the reason I know this is not violate information.
Product: Debt collection

In reviewing my credit report I discovered a new debt from Credence Resource Management for XXXX XXXX XXXX. I do not owe this debt and in addition filed XXXX in 2014. This debt is being reported without and amount on my XXXX credit report with XXXX. No account number or amount is listed just the debt collection agency listed. I wish this to be removed from my XXXX  credit report and any other credit bureaus. 

No date was entered as to the timeframe for the inquiry. This has lowered my credit score and is impacting my ability to re-establish credit.
Product: Credit reporting

Experian " completed '' a dispute in less then XXXX hours after submission. I know that they did not truthfully investigate my dispute. Experian is protecting their " customer '' while breaking the law and allowing the collection company to do the same. FDCPA 809 ( a ). Section 809 ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

Bullcity Financial Solutions in XXXX, NC continues to report fraudulent transactions to my credit report continuously dropping my credit score. I have disputed this before when I first saw it on my credit in XX/XX/XXXX. It was removed from XXXX and XXXX. I've had thr hardest time getting it removed from XXXX   and have been constantly fighting it bc I've never lived at the address they have on file. Now since then they have reported to my credit again in once on XX/XX/XXXX & on XX/XX/XXXX both on XXXX lowering my score by 6 points and then also to XXXX  on XX/XX/XXXX lowering my score by 33 points. It is also back on my XXXX. They are all showing as new delinquent accounts as if this is new. They have a 1.6 star rating and everyone is having to file complaints bc their credit is being ruined
Product: Debt collection

Debt being reported is from XXXX alleging that their equipment was not returned. I spoke with representatives at XXXX and they are not showing any debt owing by me on their records. I have disputed this with many different collection agencies and when I do they sell my account to another agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXXXXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

Account name : XXXX XXXX XXXX XXXX Co - Opened XXXX XXXX XXXX XXXX XXXX -Opened XXXX XXXX XXXX - Opened XXXXXXXX XXXX XXXX  - Opened XXXX 15 U.S.C. 1681 section 602A States I have the right to privacy 1 5 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates 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 cause to believe that the information is inaccurate
Product: Checking or savings account

This complaint is against W. Fargo and their XXXX XXXX XXXX XXXX. XXXX XXXX is the Escalations Manager / Supervisor over the XXXX XXXX XXXX XXXX, at Wells Fargo. This should be a Solution Focused, Customer Friendly, department within Wells Fargo. Ive been involved with this department for 14 plus months, and have experienced many different Executive Office Case Specialists. They do not believe in communication which is an important component of any Resolution. This department refuses to return phone calls and Emails on a continual basis. So how is this going to achieve an agreeable Resolution??? This approach simply adds more blemish to the already destroyed W. Fargo Reputation!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$24000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The date of last activity was XXXX. Experian is reporting an incorrect date of last activity as XXXX. This account is well over XXXX 7 ) years old and this item needs to be removed from my credit report. XXXX is reporting correctly. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX hard inquiries was pulled on my credit from Truist XXXX XXXX without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Cfpb ; XXXX ; XXXX ; Equifax ; See attachments ... .I 'm not sure why you keep saying that you already verified this public record XXXX as being accurate, whereas, I've contacted all the credit bureaus, courthouses and obtain paperwork where it says that they don't verify nor provide any data to the credit reporting agency. This is reporting in violation and it's unverifiable, also it continues to report with multiple inaccuracies and incomplete info. Again, The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 

A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your XXXX. I will be seeking {$5000.00} in damages for, but not limited to Defamation ; Negligent Enhancement of Identity Fraud ; Violation of the Fair Credit Reporting Act
Product: Credit card

Kindly see the attached documents. I urge the bureau to start an investigation into these accounts, as I am never late, despite them being reported inaccurately.
Product: Debt or credit management

I was with lexington law credit repair in XXXX the company did not do anything they promised for my credit so i cancelled services. I would like to get in on the lawsuit action against Lexington Law.
Product: Credit card or prepaid card

The following creditor referenced below is reporting a fraudulent account to my credit report, after providing substantial information verifying that I am indeed not the owner of this account and therefore am not liable for this debt that exists as the direct result of identity theft. 

XXXX XXXX ACCT NO : XXXX
Product: Debt collection

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me a i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible enhanced recovery company Account # XXXX amount {$1300.00}
Product: Checking or savings account

The personnel at Wells Fargo know me very well. Despite knowing me by face and name they require an ID, so I went and got my passport. During the shuffle my Social security card fell out, but they told me that they had it, when I returned later in the week. Despite the very same people who know me being present they refused to return it. Claiming that they needed two forms of ID. One of which they held. I want to property returned post haste. My name is XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX EQUIFAX XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX has admittedly violated the FCRA by not conducting a complete and reasonable investigation. After disputing an erroneous bankruptcy tradeline on XX/XX/2018, the company sent me a letter that stated the bankruptcy was accurately reporting on my file. I have specifically asked the procedure used to determine the accuracy of this information in my file. I was eventually informed by a representative of XXXX that PACER is often used by the Bureau to validate credit errors. United States Case Law has stated many times that PACER and E-Oscar and other third party verification is not sufficient. Credit Report Bureaus including XXXX could not merely parrot information from creditors and third party information distributors. Credit Bureaus must go to the ORIGINAL furnisher of the record. 

This erroneous bankruptcy should be immediately removed from my credit report. I have a letter that proves XXXX never went to the bankruptcy court to obtain accurate information. In fact, none of the bureaus ever go directly to the court and obtain the information needed. Otherwise the companies would have responded via mail the requested signed documents needed to Verify this erroneous tradeline.
Product: Credit card or prepaid card

XXXX closed all of my credit card accounts after pulling my credit report saying I had too many recent inquiries. I have a spotless credit history and have never missed a payment and I rarely even carry a balance on my credit cards. I 've been with XXXX for over 10 years and still have an auto loan with them.