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

So the issue is with the Gemini Crypto exchange and here 's the full story : I've recently decided to convert my decaying cash into bitcoin. I've been with Gemini over 3 years and have bought tens of thousands worth of XXXX and other crypto with no issue. 

About a week ago I asked for clarification on wire instructions and their support was as it usually is. Slow and don't pay attention. Usually I would just ignore this but I answered their survey about my experience and gave them a negative but respectful review. Mere days later, I can no longer send XXXX to my crypto wallet, my Gemini credit card gets constant fraud pings whenever I try to use it asking me to verify whether or not I'm trying to make a transaction and most recently, I can no longer with draw the remaining cash balance from Gemini to my bank. Here 's the funny part though, the remaining transactions that did go through to my credit card where I owe them money, Gemini had no issues accepting payment from my bank account ( the one they won't let me withdraw my remaining funds to ). This really feels like a vendetta or something really crazy going on based upon the negative feedback I left. 

So here we are. I have XXXX major issues that came up in the span of a few days. First they asked me to take a selfie with my driver 's license and a piece of paper with one of the ticket numbers and a driver 's license. Now they are asking for proof and source of funds and I don't feel comfortable giving them that information considering all that is transpiring. What are they doing with that info? 

Anyway, luckily I was able to somewhat outsmart them by selling all the crypto I had and withdrawing most of the cash to my account. What remains is about a grand that I can't get out. I don't call about the security hold on withdrawing crypto to my wallet because I no longer have any crypto on there. I just want my remaining cash so they need to fix or lift whatever error they programmed to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a tax lien still reporting on my credit! the tax lien was paid in full in XXXX, but never filed with the courts cause irs was unable to provide me a copy of the lien release but cause of the age of the account, but that I would be able to get it from the court house which XXXX county could not provide! so this paid debt sits on my credit report and every time I dispute them they are always validated! because I do n't have forms to file at the courthouse! ref number XXXX DATE FILED XX/XX/XXXX Status Filed Amount {$1900.00} Classification Lien Type State Tax Lien
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 reporting, credit repair services, or other personal consumer reports

I have reached out and wrote all three credit bureaus about the identity fraud that I was a victim to back in XX/XX/2019 with a company called XXXX in the amount of {$17000.00}. Also I was victimized again on XX/XX/XXXX with fraud with a company called XXXX in the amount of {$26000.00}. I wrote numerous letters and sent police reports to XX/XX/XXXX, XX/XX/XXXX, and Transunion with no response. These 2 accounts are not mine and needs to be off my credit report immediately. Thank You
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The accounts above have violated my rights 15 U.S.C 1681 section 602A. States I have the right to privacy. 
15 U.S.C 1681 section 604A section 2. it also states a consumer reporting agency can not furnish an 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 fallowing items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 
15 U.S.D 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I never applied for any of these accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, these 5 accounts I never applied for these I was XXXX I left my car with my daughter and she was paying my car on time. please delete my lates and remove these accounts please its not mines. Please I promise you. My attorney gave me this site to help me. XXXX bless
Product: Mortgage

XX/XX/2021 to current date I started the loan process of applying for a mortgage to to purchase a new primary residence. My loan officer XXXX XXXX had all my information regarding that i work in ny and live in Maryland. I was able to purchasemy first home in XXXX with no issues with navy Federal working in ny and traveling back to Maryland for more than 3 years. Now its a issue with me buying a new primary residence. I had to submit documents and hand written letters from my mother stating i only visit ny when im working. XXXX XXXX, XXXX XXXX and XXXX XXXX bamboozle me to get stuck with a higher interest and down payment. I already lost a {$1000.00} for the emd and wont get that back. Navy Federal has all my information and they chose to ignore it. All three individuals have my personal information from the previous loan. Nobody communicated between themselves. The underwriters intentionally denied the process and charge me fees and made me go through a process that a XXXX person would never have to go through since im XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are currently showing 30 days late XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit card or prepaid card

I am writing presently in wish to gain your help. At the present time I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play a significant part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXX ) on XX/XX/2016 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Product: Checking or savings account

Saturday XX/XX/XXXX XXXX I attempt to cash a a check ( {$320.00} ) from second job into my pnc acct from a pnc ATM, the employer banks with PNC also. No success with cashing/depositing check into account the ATM ask if I would like to deposit. No express funds option or letting me know when funds will be available. Ill usually use express funds or cashing just for ease, in the past I would be given the option to how I would like to deposit. this time I wasn't which is my issue. 

Same day - Call pnc, have a rep hang up on me while lying to transfer to manager. Call back to be denied by another manager. Was told my funds wont be available til Tuesday and there's nothing I can do. Call another department and was given more poor customer service. they seem to see the issue but don't care to fix it. if the kiosk wont offer express funds like they typically do let the consumer know they will be waiting 80+ hours for their funds. I put a complaint to have this process looked after, im not sure if they received this. 

Monday XX/XX/XXXX XXXX  Call pnc, Have rep say on telephone she would check for availability of {$100.00}. Withing the next sentence due to her unprofessionalism she tells me she wont do nothing for me today not even check. I asked her did she just say she would check about getting some of the funds available today. She wouldn't answer because she know she did. That call ref Number is ( XXXX ) Called another rep after and he actually went through with the check of available funds and told me none would be available due to the fact I used a pnc ATM. This makes no sense to me as to why im in trouble for using their atm.
Product: Debt collection

This is not my debt, AWA COLLECTIONS claims I owe a balance
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I sent to Coinbase the following transactions, and they were sent through Coinbase to XXXX and XXXX. 
XXXX and XXXX were fraudulent broker sites. 
User XXXX XXXX Timestamp Spot Price Currency Subtotal Total ( inclusive of fees ) Fees Notes XXXX USD {$980.00} {$1000.00} XXXX Bought XXXX XXXX for {$1000.00} USD XXXX USD {$9400.00} {$9600.00} XXXX Bought XXXX XXXX for {$9600.00} USD XXXX USD {$1200.00} {$1200.00} XXXX Bought XXXX XXXX for {$1200.00} USD XXXX USD {$19000.00} {$19000.00} XXXX Bought XXXX XXXX for {$19000.00} USD XXXX USD {$970.00} {$990.00} XXXX Bought XXXX XXXX for {$990.00} USD XXXX USD {$490.00} {$500.00} XXXX Bought XXXX XXXX for {$500.00} USD XXXX USD {$44000.00} {$44000.00} XXXX Bought XXXX XXXX for {$44000.00} USD XXXX USD {$13000.00} {$13000.00} XXXX Bought XXXX XXXX for {$13000.00} USD XXXX USD {$40000.00} {$40000.00} XXXX Bought XXXX XXXX for {$40000.00} USD XXXX USD {$16000.00} {$17000.00} XXXX Bought XXXX XXXX for {$17000.00} USD XXXX USD {$17000.00} {$17000.00} XXXX Bought XXXX XXXX for {$17000.00} USD XXXX USD {$29000.00} {$30000.00} XXXX Bought XXXX XXXX for {$30000.00} USD XXXX USD {$12000.00} {$12000.00} XXXX Bought XXXX XXXX for {$12000.00} USD XXXX USD {$940.00} {$960.00} XXXX Converted XXXX XXXX to XXXX XXXX XXXX USD {$1000.00} {$1000.00} XXXX Converted XXXX ETH to XXXX XXXX {$210000.00} {$210000.00}
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

I am a former XXXX licensed broker and I was successful for many many years. 

It's been over XXXX years since I was robbed of EVERYTHING and I'm still homeless. 

I was in the XXXX XXXX breach of XXXX and I am still in a homeless shelter and completely disenfranchised from this id theft attack I have id theft insurance, it will not pay me ANYTHING let alone my enormous losses. 

I was in the rental relief program for 3 months. 
Chase Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX, my former clients, all have robbed me and my family in several ways once my Identity theft attack started. 

Virtually every govt agency I have contacted since this attack on my son and I does not care to compensate me for my losses either. 

I have contacted everyone I was told to and all dead ends. 

I have nothing left and barely anyway now to prove any of my losses. 

I am very tired after XXXX years being ripped from my son and in a shelter with criminals and crazy people for XXXX years. 

I don't have it in me to explain everything but I will tell you that I will keep writing your office when I have the energy because I want my stuff back and I don't believe anyone needs more of my time to prove anything. Here 's the list of my demands to be made whole and I do not feel obligated to prove why or how I had such wealth. You can figure it out. 

I want my XXXX ID theft insurance with assurant and chase bank to pay me XXXX XXXX dollars. 

I want my credit back to XXXX and no debt. 

I want my fiat abarth back I want my XXXX a month apartment back. 

I want my drafting company back and all my computers I want my son back most importantly and you will not waste my time explaining why he has been out of my life when we were evicted illegally at XXXX point from our home. 

I'm not answering anything I'm demanding and I don't care if you deny it I will just keep demanding it as long as I'm suffering and my son is suffering, I will remind your office of how broken your protection is of not only my son but also of the American public. I have a background helping and protecting many people in finance and health. 

Figure it out, get me whole again and don't dare ask me to work on it. I got a child to raise and explain this all too and how our country is clearly going to XXXX. You try over and over again reliving a horror like this. I will only give you what theives had of mine to take my son 's life from him. 
My social security name number email and mailing address and the names of the services I had. 

I worked like a dog for my son to have a good life and enjoy his parents bc I never had that. And what's listed here is what I can stomach to list right now. you'll never know the full extent of my losses or my son 's plight. Just get it done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for these accounts to be updated, by the respective credit bureaus, and expressed truthfully and accurately. The accounts listed in the documents provided are not being reported truthfully and accurately. Please update the accounts with information I am asking for and provide me via this CFPB portal with the documents used to update the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I visited Sams Club on XXXX XXXX in XXXX Arizona, I used the self check out around XXXXXXXX XXXX. I lifted the hand scanner and scanned my membership card. A Sams Club female XXXX middle aged woman approached me. The Sams Club employee pointed at the self check screen and said : " Wow, look. You have been pre- APPROVED for a Sams Card! '' I said, excuse me? She said you see that- she pointed to the screen again, she said : " I don't see that too often. You are pre approved and can get up to 30 % off todays purchase! '' I mentioned I did not want anything like an inquiry on my credit report ( I am rebuilding my credit ) The Sams Club employee told me : " Oh no, this is already done. She started to push locations on the screen and told me Go ahead and fill this in so we can get it finalized. This is the part I look away for privacy '' She turned her head and put her hand above her eyes. I was excited, I finally did it, I am getting a card- I thought. once I hit the submit button, it states " Sams Club will be sending you a letter in the mail within 7- 10 business days '' the employee said, " Ahhhh, yeah, it does that sometimes! '' and started to walk away. I said, I didn't want to apply and have an inquiry- but she kept walking. I stood looking in disbelief. Sure enough, I receive a declined letter for credit with Sams Club and another from Synchrony Bank. My credit score decreased 23 points for the inquiry!!! I did email a message the way Sams Club asks you to on their website, only a minimum amount of letters allowed to type. I have uploaded their response which they state this has been resolved and for me to contact Synchrony Bank. I have responded Their EMPLOYEE lied to me, and misguided me, they can check their surveillance camera for that day!! I asked if they offer incentives to employees for having customers apply for credit??? Because if so, I am sure this employee has tricked others just to benefit herself. The EMPLOYEE needs to be reprimanded and I would like an apology letter so I can dispute the inquiry on my credit reports.
Product: Money transfer, virtual currency, or money service

I withdrew exactly XXXX from Coinbase on XX/XX/XXXX ( XXXX ) which on the Coinbase account shows Completed transaction but I never received the funds to this date XX/XX/XXXX to my bank account. I think what happened was that on the Coinbase account even after verifying with my new Passport and the Bank Account it did n't change the name on account to my name. We first opened it with my mom but since the names on the Coinbase and my Bank Account has to match that 's why I verified again and with no name change turns out. 
I know the name on Coinbase account and Bank Account has to match in order for the withdrawal to complete but now I 'm in a position where before withdrawing I tried to change the name by re verifying and thought it did it but it did not have been trying to contact the Coinbase support now for weeks but with no answers at all & the transaction on Coinbase account shows Completed for me but no money on bank account. 
Now for a while I 've had my full name there it 's just the support is n't contacting at all!! 

Case # XXXX Withdrawal reference - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I have not heard back from the credit bureaus in over a month.
Product: Payday loan, title loan, or personal loan

When I applied for the loan, my payment plan was decided upon as 1 payment per month. I missed 1 payment ( overdrew my account because it withdrew automatically and I had no control ) and now they are continuously trying to withdraw payments plus interest from my account. I had to open another bank account because they were trying to withdraw so many times/ such an insane amount of money per transaction. Now, because I have not paid my loan in several weeks, I have accumulated a ridiculously exploitive amount of interest fees. My loan was originally for {$1000.00} and now with all fines and fees I owe the company over {$2700.00}. It is damaging my credit and I can not feasibly pay over {$1000.00} in fees and fines. This is the definition of extortion. I attached a copy of my latest bill from the company and you will see that due to my lack of payment I have been charged a total of {$1500.00} in fees thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2020, I got an alert email from TransUnion that my credit score had dropped. Upon viewing I immediately noticed that TransUnion all of a sudden listed more hard unauthorized inquiries on my credit file that was not there a few days ago. When I looked at each inquiry I noticed that they are from XXXX months ago but for some odd reason TransUnion suddenly decided to add them to my credit file today. I have a copy of my TransUnion credit file on XX/XX/2020 and for showing the inquiries that was just added today. I find this very unusual behavior on TransUnion to add inquiries that are from XXXX months ago. I don't know what kind of deception they are trying to get away with but these inquiries are unauthorized.TransUnion is very deceptive in the way they process inquiries, allowing the perpetrator that applied for credit with my personal information to slip away when TransUnion takes months to add the inquires to my credit file. I have included an updated copy of my Identity Theft Report along with this complaint.