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

Gemini Trust Company , LLC offers an account called XXXX XXXX  ( They've also referred to the account as XXXX XXXX  ) Customers are able to deposit cryptocurrency assets into the account where they earn interest. The XXXX  account is promoted as a safe way to earn interest on cryptocurrency assets. Gemini promises that assets can been redeemed at any time, instantly. 

I opened an XXXX account with Gemini in XX/XX/XXXX. I made my first transfer into the account on XX/XX/XXXX. The amount was XXXX. I received an email confirmation. The text of the email stated very clearly that I can redeem the funds at any time. 

Since that time, I transferred a total of XXXX into my XXXX account. ( as of XX/XX/XXXX ) The total interest earned on all of my assets in the XXXX program is XXXX 

On XX/XX/XXXX I initiated a redemption from the XXXX program for XXXX. I received a message stating the funds would be available by XX/XX/XXXX or earlier. As of today the redemption is still " pending '' and I have not been received my assets back. 

I contacted Gemini support on XX/XX/XXXX regarding the pending redemption. They responded the same day stating they had paused the redemption of funds from the XXXX program. I corresponded with them again on XX/XX/XXXX and XXXX, XXXX. They have continued to state that they can not give me access to my assets and they have frozen withdrawals from my XXXX account. 

Gemini has indicated their partner company, XXXX XXXX XXXX is responsible for customer assets in the XXXX program. Theyve stated XXXX XXXX XXXX has frozen redemption and withdrawals from XXXX accounts. They have not been able to provide additional information, or to give a date when my assets would be available for withdrawal. I have not been able to reach XXXX XXXX XXXX regarding the issue. 

Gemini Trust Company , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX floor XXXX XXXX NY XXXX United States XXXX # : XXXX # XXXX XXXX
Product: Vehicle loan or lease

The company in question stated that at the moment of final payment a certain amount was owed that I was not aware of. I received a late payment mark on my credit report. When I tried to resolve the issue by paying in full I requested for them to remove the late payment mark on my credit as well. The response I received from the company was that it was out of their department. I could still pay the payment and the company was willing to accept payment however they would not remove the late payment. At this point in time, the account has been paid in full but I still have late payment marks on my credit report.
Product: Credit reporting or other personal consumer reports

The personal loan amount is {$14000.00}, the application loan was made in a diferent state, Im live in florida never in another state, the bank who issued the loan is Penfed Credit Union. The account has been in my credit since XX/XX/2017, I have been disputing this account since then with XXXX, nothing happened, my last dispute was placed last month, they said the information is accurate.
Product: Checking or savings account

Citibank acknowledged after 4 months that I was a victim of Identity Theft but only credited my checking account half of the funds ( $ XXXX {$5000.00} ) that were fraudulently withdrawn. I have filed a XXXX appeal with their Citi XXXX XXXX XXXX ( Citi Reference Number : XXXX ) only to be told that my appeal has been denied to have the remaining {$2500.00} credited back to my account. The special investigator assigned is XXXX ( XXXX Ext # XXXX ) who I found to be very rude and completely unsympathetic to my situation. I have left him several messages but he never returns my phone calls. I am at my wits end trying to get the remaining funds credited back to my account. I am a XXXX  living on a fixed income and being out all of these funds has created a significant financial hardship. I am calling upon the Consumer Financial Protection Bureau to intervene in this matter to facilitate the respective funds to be credited back to my account by Citibank. 

I can be reached at ( XXXX ) XXXX and welcome the opportunity to discuss this matter in greater detail.
Product: Consumer Loan

Purchased a vehicle from XXXX XX/XX/XXXX, XXXX. 
XX/XX/XXXX replaced transmission, I was advised by the service person they had left the old wave plate on and attached the new transmission. XX/XX/XXXX my check engine light came on by XX/XX/XXXX failed my emission test due to the check engine light ; carried papers from emission for the service to sign for the light to be overridden which lasted long enough for me to pass emission. Light came back on no sooner than I parked in my drive way. From this point with no assistance from XXXX service department was OFFERED to get the car diagnosed. For the recommended tire/battery/steering rack/coolant yes they were all denied. MY ISSUE WAS THE CHECK ENGING LIGHT PERIOD. I was told to record or video if the car starts to do anything. Finally was able to do this when I let the service guys there see this clip I was told all I needed was a battery. Shortly after I found a hole in the manifold intake value which was suppose to have been fixed.To this date service guys has lied about the many times I came to get something done about the issue ; gave date of when they say the car was diagnosed at XXXX, which is records of one time the car was there after transmission replacement. Yes they are to this point call me a liar because I declined a battery and tires etc. On XX/XX/XXXX the heater hose failed due to the check engine light was already on I had no warning. Car towed to garage, now they are saying short block part of the engine failure to a bad to worst situation now service denied warranty. The car sat unrepaired for 60 days, XX/XX/XXXX I removed my personal belongs and found a open container of antifreeze, OK on the floor of the car where my grandchildren would be sitting, " yes the service department put that there ''. I wish it could have been dusted for fingerprints ; my prints would not be on the container. The dealership wanted me to pay {$3500.00} to fix the car. NO WAY. I made a decision to surrender the car back I guess the only satisfaction I will get from this the car was in my BKO do n't owe a dime! I am still thinking on this issue because there was no REASON FOR SERVICE TO BE DENIED..MANUAL SAYS CHECK ENGINE LIGHT GET TO YOUR NEAREST SERVICE DEPARTMEMT. I did all I was suppose to do I tried honestly to get service. Who knows customer does not have to lie about a broken car, just can not drive it either.
Product: Mortgage

We are disputing not receiving disaster insurance payout, Please provide info showing we are delinquent. Information that was shared from Mr. Cooper was incorrect. They are misleading and false in the area of my mortgage payment being 30 days or more late. We have documentations on ALL PAYMENTS that have been maid. Mr. Cooper previously said " Please note that accounts that were already 30 days or more delinquent at the time of the loss may receive claim funds up to {$5000.00} with an insurance adjuster 's worksheet/estimate '' We know for a fact that at the time of loss we have bank statement showing payments maid well before 30 days of being delinquent. We entered into a program to make XXXX payments in the row in order to be caught up from XXXX late payment before they took over from Home Point Financial. XXXX, XXXX, and XXXX payments where on time, XXXX payment was maid XX/XX/XXXX. and applied XX/XX/XXXX.We are current on our mortgage to date and have not missed a payment since XX/XX/XXXX, in which they hadn't taken over yet. We are asking Mr. Cooper to produce documentation showing delinquent at the time of loss. ( XX/XX/XXXX ) They are holding our insurance claim money of {$12000.00}. Threatening to only give partial if we do not meet such demands! We have sent them adjusters report on two different occasions. We have completed the work, the contractor is threatening lien & lawsuit because we have not paid for completed work. Mr. Cooper also states they will determine how much we will receive from insurance claim payout because its standard mortgage practices, the work is complete. There are many complaints against this company for fraudulent actions. We intend to gather other clients from Mr. Cooper who are having similar problems and pursue this to the fullest extent of the law. Our family has been great impacted by these course of events. We believe they are holding our insurance in a fraudulent way. Our opinion Mr. Cooper is intentionally trying to force families to default on mortgage after disasters by holding insurance claim payments.
Product: Mortgage

This complaint is a continuation of 3 previous complaints for an issue over the last 18 months. The escrow account is being overcharged first with lender placed insurance now overcharging the escrow account with multiple unnecessary charges. 

Contacted Finance of America ( Lender ) via email XXXX regarding the matter but no response. I was advise that was the only contact available.

Finance of America contracted XXXX XXXX to manage the loan and I need their help in getting the escrow issue corrected. There is confusion about 1 piece of property having multiple buildings on it. Its one address for property taxes, deeds, and insurance. Im submitting additional information.

**What should be happening with Escrow** Insurance Policy Cost {$5100.00} ( 2023 ) Taxes Cost {$3500.00} ( 2023 ) Total Escrow Requirement {$8700.00} Escrow Payment Requirement ~ {$720.00} Mortgage Payment ~ {$2400.00} or less. 

**What is currently happening with Escrow XXXXXXXX XXXX  Escrow Charges {$5100.00} Additional Coverage $ XXXX XXXX Tax {$3500.00} {$5100.00} Homeowners Insurance {$5100.00} Wind Coverage {$19000.00} Total Escrow Requirement Escrow Payment Requirement {$1500.00} Mortgage payment {$4000.00} **Note : Wind Coverage is included in the property policy. 

Original Closing Attorney Contact XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, GA XXXX Attachments : Security Deed ( See Exhibit A and Schedule 1 only parcel XXXX ) COI ( Proof of coverage for entire parcel XXXX ) Tax Information ( Taxes based on 1 parcel XXXX ) Escrow Analysis ( Loan # Included ) Arial View of Property from Appraisal includes everything on Parcel XXXX
Product: Mortgage

They marked me as delinquent despite me paying early every month plus additional for principle ; they were not crediting my account and as a result I have more interest and not less principle and could have had my credit hit for being late due to Their misapplication. 

After switching home owners insurances a couple times within 6 months, my escrow account was short due to payouts while we waited for refunds. Without notifying me, Amerisave applied some of my mortgage payments in full to escrow or taxes and noted my mortgage account as delinquent one month. Over the next 5 months I have had at least 8 recorded conversations with Amerisave about them misplacing a refund check they received directly, misapplying multiple checks ( Escrow refund applied to mortgage and my mortgage to Escrow, etc ), and failure to fully communicate with me about new shortages in Escrow somehow related ( after all these conversations, Im still unclear why there is a shortage despite full refunds being now applied to Escrow because every staffer had different ideas about why it MIGHT be ). I have lost hours on the phone with them in which each one ends with them telling me all has been fixed and we are square. Now they sent me a refund AND when I called to ask why, the answer is convoluted and they also say I owe about twice the refund they just sent me.

Yearly they up what I must pay and then also send me a refund within a month or two of the change. They are always confused. This practice seems illegal and distasteful at best.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my free annual credit report from annual credit report.com about 5 months ago. The web site returns a message that they can not give me any information. I then contacted each of the credit reporting agencies directly Equifax, XXXX, and XXXX. I get the same response from each of them. The information requested name, DOB, and SSN is sufficient to identify me. These companies also share data with the commercial data aggregator/broker industry which has caused me problems with identity verification when I applied for my government pension and now my social security due to having other peoples data mixed up with mine. This has also caused other problems like being dropped from my states active voter list, frequently having to verify my address with the Postal Service, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is on my two other credit reports as charge off which is Transunion and a XXXX. The only report that is correct is XXXX. This was my daughter cat and she was on the car as co-signer. I never had the car and have inform the other two companys XXXX and XXXX. They did a charge off because of what I said on the phone they had me and my daughter upside down in this loan. I never knew that my daughter was late until she told me on phone. When I talk with them they wasnt willing to do anything so my daughter told them to come get the car and car was sold with no money being old because the extra money that they had on the loan would have had us paying a lot more than the car was worth. Im so tied of dealing with fraud and other companies trying to take advantage. I would like it removed or state XXXX balance on XXXX and Transunion report because it hurting me and this all happen due to someone fraudulent information on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection amount against my SSN in the amount of {$410.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification and validation of the debt, including a wet signature on the document of my alleged debt, however, the business failed to provide adequate proof. Considering this business does not have a signed contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are errors on my credit report pertaining to the following Personal Information.

INACCURATE NAME SPELLING XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX INACCURATE XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX OUTDATED EMPLOYERS : XXXX  XXXX 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

My husband passed away on XXXX/XXXX/XXXX. On XX/XX/XXXX I made an ACH payment of {$260.00} to pay off the balance on his Citi Bank XXXX XXXX card. ( As I have done with all his other CCs with no problem ). I was my intention to track his CC for recurring payments and pay off balances, prior to closing. Later that same month I see that Citi Bank had ( supposedly ) returned the payment I made and began charging interest on his account. I called Citi Bank and let them know that my husband had passed away. I said I would like to pay off balances and asked why they had returned payment. They said they would take finance charges off account but I could not pay off account and I would be getting bill from XXXX XXXX. At that point account was closed and I was no longer able to access his records. 
In early XXXX, I received a bill from XXXX XXXX for {$670.00} but with no details of specific charges or merchants, which I expected and need for my records. On XX/XX/XXXX, I called Citi Bank Probate department requesting the last XXXX statements from husbands account showing itemized charges and merchants. I also complained to them about how they had handled his CC, especially for someone who had always paid his bills on time. They said they needed marriage license and death certificate, which I provided them. On XX/XX/XXXX, I got a letter from Cit Bank stating they could not provide me with the statements as it wasnt clear that I was authorized to act on husbands behalf. Mind you, I live in NM, which is a community property state, so marriage license and death certificate should have been sufficient. But on XX/XX/XXXX, I provided them with Durable Power of Attorney showing me as agent, again requesting last XXXX statements, prior to paying of any bill. 
Then, in researching this further, I find that the {$260.00} payment I made back in XXXX, which was supposedly retuned to me by Citi Bank, has not been credited back to my account. ( The XXXXCH department of my bank is requesting the XXXX tracer number so they can research if further ). 
On XX/XX/XXXX, I requested the XXXX tracer number on the supposedly returned ACH payment and again requested the last XXXX statements on husbands account. Again, I let them know how poorly they had handled the situation. At best, it is incompetence with systems not communicating, at worst, fraudulent practices by Citi Bank. And again, I am not going to pay off anything until I receive the information I have requested and to which I am entitled.
Product: Credit reporting or other personal consumer reports

On numerous occasions, I have expressed to TransUnion of their violations of XXXX. Their unsound practices have placed my family and I at risk of unsafe transactions. TransUnion does not accurately represent the people if they are constantly furbishing inaccurate information without proof. Furthermore, I NEVER gave TransUnion my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take necessary action for each violation at {$1000.00} each. If this is not fixed in the next 30 days, I will file a suit and will follow up with an Invoice of Each Violation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent account and associated inquiries from my credit report. I am a victim of a data breach, and these accounts and inquiries were made without my consent or knowledge. In accordance with 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request that the fraudulent information be removed from my credit file. 
Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$11000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$430.00} ; XXXX  XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I recently examined my credit report and discovered multiple accounts that I believe were added without my knowledge and are incorrect.
Product: Credit reporting or other personal consumer reports

I saw high inquires on my credit report that I havent authorized, I need it removed
Product: Payday loan, title loan, or personal loan

I'm having a financial hardship and I have been unable to pay the loan. I'm getting harrassing calls to myself and family threatening an attorney action if I don't pay off the loan. I told the debt collector I didn't have the funds to make the past due amount. He said what about your check i said I paid rent am I supposed to pay the loan and not have a house to. Live in he responded yes. I'm tired of this man harrassing my family and myself by being abrasive and rude over the phone. He keeps threatening legal action unless I make the minimum payment even went as far as calling me a criminal for defaulting on the loan. I'm tired of it!