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

I capitalized ( Authorized ) my Gemini Trading Account ( https : //www.gemini.com/ ) on XXXX in the amount of XXXX and then added XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ) for a total of XXXX from my XXXX  XXXX XXXX Checking Account XXXX 
They further took ( Unauthorized ) XXXX ( XXXX ), XXXX ( XXXX, XXXX ( XXXX ) from my XXXX XXXX XXXX Checking Account. 
All Transfers ( Funds ) went to the Following Gemini Account ( GEMINI TRUST CO ACH TXFER ). 
The second series of ( Unauthorized ) transfers were NOT credited to my Gemini Trading Account. I called their number and asked for an explanation ( Call Customer Support at XXXX ( XXXX ) XXXX ( toll-free in the USA ) ; ( https : //support.gemini.com/hc/en-us/articles/204732835-Contact-us ). 
They declined to accept responsibility for the additional transactions and Closed ( Unauthorized ) my Gemini Trading Account which had XXXX in it as well. They had a total of XXXX of my money and refused to refund it or even speak to me about it. I have tried on several occasions to access my account, communicate with Gemini directly and they have refused to speak to me about my missing money, the closed account ( Unauthorized ) or refunding the XXXX in total that they have taken illegally from me. 

XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Direct # XXXX Office # XXXX ( Victim ) XXXX XXXX Email XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ( Thief ) Gemini Trust Company , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are incorrectly reporting that I am ( XXXX plus ) days late on the DP ED/XXXX account. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. ( Attached is a spreadsheet of accounts for reference. ) I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the accuracy of the information being reported on my credit report by the Department of EducationXXXX XXXX XXXX XXXX and TransUnion XXXX Upon reviewing my credit report, I have discovered numerous discrepancies in the information being reported by all three entities, which is in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. 

The discrepancies include different open dates, varying account balances, and inconsistent monthly payment amounts across all three accounts. Such discrepancies not only undermine the integrity of my credit report but also hinder my ability to make informed financial decisions. 

Furthermore, the Department of EducationXXXX XXXX XXXX, and TransUnion are in violation of the Privacy Act of 1974, which mandates the protection of individuals ' personal information held by federal agencies. Additionally, as the accounts in question are related to educational loans, they are subject to the protections outlined in the Family Educational Rights and Privacy Act ( FERPA ). 

Moreover, it is illegal to report transaction history, such as balances and late payments, to a credit report. Such reporting practices are in direct violation of the FCRA and further compound the inaccuracies present on my credit report. 

In light of these violations, I hereby demand the immediate removal of these accounts from my credit report. Furthermore, I am exercising my right under 15 USC 6802 to opt out of the reporting of these accounts on my credit report effective immediately.

Additionally, the Department of EducationXXXX XXXX XXXX, and TransUnion are also in violation of 16 CFR 433.2, which ensures that consumers have the right to dispute inaccurate information reported by creditors to credit reporting agencies.

I expect the Department of EducationXXXX XXXX XXXX, and TransUnion to take immediate action to rectify this situation and ensure compliance with the FCRA, the Privacy Act of 1974, FERPA, and 16 CFR 433.2. This includes not only removing the inaccurate information but also ensuring that these accounts are expunged from my credit report and that my opt-out request is honored. 

Furthermore, I request a thorough review of the reporting practices of all involved parties to prevent such discrepancies from occurring in the future. It is imperative that accurate and consistent information is provided to credit reporting agencies to safeguard the financial interests of consumers. 

Please consider this letter as a formal dispute under the provisions of the FCRA, the Privacy Act of 1974, FERPA, and 16 CFR 433.2. I anticipate a prompt response from the Department of EducationXXXX XXXX XXXX, and TransUnion regarding the actions taken to address this matter. If necessary, I am prepared to escalate this issue to ensure that my rights under these acts are upheld. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Credit card

On around XX/XX/year> I made a large purchase at XXXX and was told I could take out a promotional 'Big ' card and get XXXX percent interest for 12 Months. Not long after I made my first payment online since I had not received a statement. Then in XXXX I received a statement and it had interest charges assessed. I called Capital One to address the issue and they told me they would resolve it. A week or so later I received a letter stating they could not XXXX my request, with no detail as to why they were not honoring their promotion. It wasn't a requests but me asking to resolve an error on their end. I wouldn't have taken the card out at all if not for being told I would have a promotional XXXX interest period. Now their deception has led to me paying interest I otherwise would not have had to pay. I was managing expenses to complete a kitchen remodel and would have done things differently if I had known they were being deceitful.
Product: Credit card

I received an email and letter on XX/XX/XXXXXXXX  requesting that I activate my new card and to manage reoccurring subscriptions on the same card. Subscriptions that should have ended with the card around XXXX.
Product: Credit reporting 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 XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX MY XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$770.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$900.00} ; XXXX XXXX XXXX Balance Owed : {$960.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$950.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$600.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

I requested a loan modification in XX/XX/XXXX or XX/XX/2017 and now after a year, I am being charged a past due fee of {$110.00} for a property evaluation they did. I was never notified, no authorization and no notification that I will be responsible to pay for this evaluation. First time I heard about this was when they added this past due in my mortgage statement in XX/XX/XXXX. Called to clarify what was this all about and this is what they told me, that a property evaluation was needed because I applied of a loan modification and that they need to know the value of my property. They denied me flatly at that time because I was not in default on my mortgage payments. So what is the point of the evaluation when they know they will not approve it. I called several times for them to take this out but they said they will not. Is this legal for them to charge me this? Wondering if this is a new rule that property owners asking for loan modification have to pay for something that they don't know about, that lenders can just do whatever they want without requesting for approval and then ask property owners to pay for it? As far as I know, when someone applies for a loan modification, they are not to pay anything regardless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted my identifying information to TRANSUNION to which they responded that the information was not sufficient to begin the investigation process.
Product: Mortgage

I've delivered the financial institution a copy of the condominium flood insurance for all XXXX units inthe condo. 
My mortagage is for XXXX units in the same condo, all of them covered by the same insurance policy. 
I've spent hours on the phone to have Shellpoint to cancel the lenders placed insurance, they just cancel the policy for just 1 unit but they are still charging me lenders placed insurance for the rest of the units.
Product: Credit reporting or other personal consumer reports

Equifax is reporting a bankruptcy on my credit report and they have put in this data furnisher as the US Bankruptcy Court of XXXX  which is false I have attach a letter from the US Bankruptcy Court of XXXX  verify and stating that they do not furnish information over to the credit bureau or any other credit monitoring services nor do they verify or validate any information concerning bankruptcy. Equifax is falsely stating this information on my credit report and has yet to remove it from my credit report.
Product: Payday loan, title loan, or personal loan

My husband, who I am separated from, took out a loan in another state, which I did not agree to or sign for. The loan amount was {$300.00} at an annual percentage rate of 144.19 %, to be paid in monthly installments of {$73.00} each, for 6 months. I received paperwork regarding this loan, mailed to me on XX/XX/XXXX, and I received on XX/XX/XXXX. The statement contained a letter from management stating a property law known as Marital Property Act which governs the property rights of persons in Wisconsin. I sent the following reply to the company : " XX/XX/2019 Security Finance Corporation of Wisconsin XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WI XXXX RE : acct XXXX, contractual arrangement with XXXX XXXX . 
To whom this may concern : I received your contract information and will not be a part of an agreement to which I gave no consent. I was not advised of the arrangement and had no knowledge of its existence. I am an Oregon resident. XXXX and I were married in Oregon. I have never been in Wisconsin. Oregon is not a community property state. It is a common law state. I do not agree to the terms of this contract. I have not consented to or signed this contract. There is no joint borrower on the contract. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OR XXXX ''
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 - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX  XXXX - Acct # XXXX XXXX  - Acct # XXXXXXXX XXXX - Acct # XXXX XXXX XXXX  - Acct XXXX XXXX XXXX XXXX - XXXXXXXX XXXX - Acct # XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX/XXXX  XXXX Acct # XXXX XXXX  XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX- Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX Original Creditor XXXX Acct XXXX XXXXXXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX - Acct # XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX, have violated my rights. 

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 card

On XX/XX/2023 {$260.00} was taken out of my account and used at XXXX. This was not me and Chime has not reversed the transaction. Today, XX/XX/2023 sever more transactions were made using my other Chime card. 9 transaction for {$2.00} and 2 transactions for {$5.00} at XXXX and XXXX. Again, chime will not do anything about it. Ive had hundreds stolen at this point
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX To whom it may concern, I looked at my report. I sent a letter to XXXX on day XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On day XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever 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. 

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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 i 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 ( ithe information is, in fact, inaccurate. 
XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

i discovered an account was on my credit report XXXX XXXX, after being the victim of data breach whos currently in litigation and represented by attorneys, i contacted EQuifax and received a letter not validating the account buy accusing me of disputing the account previously which is false i never disputed XXXX XXXX, and there is as far as my recollection any law prohibiting a consumer and within as many days to dispute any account i deems is being reported in error. buy as iv stated i never disputed XXXX XXXX  XXXX, and im still confused as to why Equifax would not only demean me as im the victim, but also willfully neglect its responsibility and not provide anything as required under FCRA rules, buy also never provided anything from XXXX XXXX indicating i owed them by contract, or physical agreement between XXXX XXXX and XXXX XXXX XXXX but sent me a debt letter stating i owe this company as if Equifax is collecting for XXXX XXXX. I ALSO PROVIDED EQUIFAX WITH REQUIRED INFORMAITON MAILED VIA USPS, WHICH IT RECIEVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these accounts immediately.. They should not be on my report. This is fraud. I have proof of fraud. I've already sent it to all bureaus with no changes. I dont know what the issue is but remove it immediately because the credit bureaus are supporting fraud!!!! 

XXXX XXXX  Opened Date XX/XX/XXXX Balance {$770.00} XXXX   XXXX XXXX Opened Date XX/XX/XXXX Balance {$4400.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$4700.00} XXXX Opened Date XX/XX/XXXX Balance {$6500.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
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 15 USC 1681 section 602A states I have the right to privacy.

15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) sections 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 7 years.

15 USCs - 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete the following names off 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Account Number XXXX - XXXX XXXX and Account Number XXXX - XXXX along with Experian Credit Agency has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I have been a customer of Bank of America since XXXX, but I have XXXX-30 day credit marks with them. I am unable to get consistent information. I have tried to get the due date changed because I changed jobs. I was even told by customer rep that I had to give the name of my employer to update my information, I advised them I ca n't get calls at my job unless it 's an emergency. They called my former employer several times in XXXX even though I no longer worked there and I told them this information. I want all negative credit marks removed and the credit bureaus advised me that Bank of America can remove them without me disputing it. Bank of America claims they ca n't, I even offered to set up autopay from an account every month. The information given is not correct, Bank of America 's credit department held my payments for no clear reason, even though I never had return payments with them. The customer service rep claimed my bank rejected the payment which was not true at all. I was able to go online with my bank and see the money was already deducted from my checking account already. The credit department even claimed back in XXXX because I made XXXX payments in 1 month, they wanted to make sure the funds were available ( they even acknowledged that I never had a returned payment. I want the credit marks removed due to misinformation that I was given. You do not need my employment information to discuss the account, I was told I had to update my work information. I gave my address because they called my family constantly looking for me and they were very upset about this. My old employer advised me to let them know that I no longer work there.
Product: Mortgage

STONEGATE MORTGAGE CHARGED ME PROPERTY TAX AND HOME OWNERS INSURANCE FOR THE YEAR XXXX, HOME WAS BOUGHT IN XXXX XXXX, ALL THESES FEE 'S WERE PAID AT CLOSING IN XXXX, XXXX XXXX XXXX. THEY CHARGED ME HOME OWNERS INSURANCE FEE 'S OF XXXX. WHICH WAS NOT DUE XXXX, I WAS ALSO CHARGED IN XXXX, WHEN THE POLICY RENEWED IN XXXX XXXX, ON XXXX XXXX I WAS CHARGED XXXX. FOR PROPERTY TAX, WHICH MY TAX BILL DID NOT COME OUT UNTIL XXXX XXXX. WHICH I ALSO PAID AGAIN IN XXXX. THEY RAISED OUR ESCROW ACCOUNT EVERY YEAR WE HAD THE LOAN, THIS YEAR IT WAS RAISED XXXX a month. a total of XXXX a month. THERE IS ONLY XXXX TAX BILLS ON THIS HOME, FROM XXXX, XXXX, XXXX XXXX THEY DEDUCTED FROM ESCROW ACCOUNT THE PAYMENT FOR TAX 'S. XXXX OFFICE SHOWS PAYMENT MADE XXXX XXXX XXXX. EVERY MONTH OUR ESCROW ACCOUNT GOES UP AND DOWN. WE HAVE A USDA LOAN FEE DUE ONCE A YEAR. {$440.00} I HAVE ALL DOCUMENTS TO VERIFY MY ACCOUNTS, ALL STATEMENTS FROM THE BEGINNING OF THE LOAN TO CURRENT. OUR CLOSING PAY OFF IS CHARGED XXXX OVER THE PAY OFF BALANCE. THEY ARE REQUESTING MONEY GO TO OUR ESCROW ACCOUNT, FOR WHAT. WHEN WE SELL THE HOME, WE PAY OUR TAX 'S FOR THE YEAR AT CLOSING. THEY SAID THEY ARE CHARGING ESCROW FUNDS TO GO FOR TAX 'S IN XXXX. I JUST WANT MY MONEY BACK. I HAVE ARGUED WITH THEM FOR OVER A YEAR. BUT I CAN NOT GET ANY WHERE, PULL UP XXXX XXXX TAX COLLECTOR. PUT IN MY NAME XXXX XXXX. SEE HOW MANY TAX BILLS THERE ARE FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!! AND I WAS CHARGED FOR XXXX, THAT EXPLAINS WHY EVERY YEAR I WAS COMING UP SHORT. THEY HAVE HELD PAYMENTS FOR LATE CHARGES, I WAS ONLY LATE A FEE TIMES, WHEN I WAS I MAILED PAYMENTS OF XXXX FOR THE LATE FEE, I HAVE STATEMENTS HERE WHERE THEY BILLED ME, FROM XXXX TO XXXX FOR LATE FEE 'S. I JUST WONDER HOW MANY MORE PEOPLE HAVE BEEN THREW THE SAME THING. I ONLY HOPE IT IS ALL CORRECTED AND I GET MY MONEY BACK.. THANK YOU FOR YOUR HELP XXXX XXXX