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

I deposited XXXX USD into Gemini Trust Company , LLC today via wire. I received no notice regarding any negative statuses involving my account and I was permitted to buy XXXX. Once I had tried to withdraw the currency to my personal wallet, I received a notice saying that my account had a security hold on it. I contacted support and had sent pictures of myself with my ID for verification, I had to resend photos since the first set was blurry. No response after that. 

I suspect that Gemini is holding accounts XXXX  to stave off insolvency. Gemini Trust recently allowed American and XXXX users to purchase digital British Pound in addition to their digital USD product |GUSD ''. Therefore they have additional sources of liquidity. I have read of other users having similar issues recently that have not been resolved for over 90 days. 

I have never had issues with this company before it is very suspicious that these isssues pop up during a time when many crypto firms are going under due to liquidity and leverage issues. By the way XXXX XXXX XXXX XXXX XXXX I will sit for my XXXX  exam sometime before XXXX. I currently work XXXX XXXX XXXX  for a non-profit. 

****** Gemini missed their last monthly audit report for their GUSD product. see below Very suspicious, new digital fiat product for the British Pound and no Gemini USD audit for XXXX. 
https : //www.gemini.com/dollar
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reporting 3 loans on my XXXX report past due. I have made payment on time and 2 of 3 loans are paid off.
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 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: Debt collection

I received a judgement from a law firm of XXXX XXXX XXXX based out of XXXX, AZ, numerous time they have violated collection practices in collecting a debt. The most recent which is prompting this complaint is they were sent a payment in full letter, dated XXXX/XXXX/2015 and sent certified on XXXX/XXXX/2015. I find out today they do not have the copy of that letter nor are they sure were it is as it is not in my file. However I have proof they received this letter as well as the letter was sent to the company that sued me of Midland Credit Management, and to my payroll department. The letter stated the debt had been paid in full by my records, and as such they were not to communicate any more to me other they to state the debt was paid in full. They are trying to blame my payroll department for not calling them, and that it happens all the time, so instead of owning up the matter they are blaming another party.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN THESE ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX   and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

Hi CFPB, I opened a business checking account with US Bank on XX/XX/2021, which came with a promotional offer where I would receive {$300.00} after depositing at least {$5000.00} within 30 days of account opening and maintaining at least {$5000.00} for 60 day after account opening, as well as logging into the online banking within 60 days of account opening. I had performed both of these tasks yet do not see the bonus posted to my account. I would appreciate if you could look into this and inform US Bank that {$300.00} is to be posted to my account. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report from XXXX  and XXXX  and i immediately realized a host of violations on each report. The collection accounts listed below are in direct violation to FCRA laws 15 U.S.C 1681 ( a ) ( 4 ) stating that its the credit reporting agencies grave responsibility to respect the consumer 's right to privacy and i feel rights were violating with these collections on my my credit report : XXXX XXXX  Acct # XXXX. 
XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX .... 
XXXX XXXX XXXX Acct # XXXX The credit reporting agencies were also in violation of law 15 U.S.C 1681 ( b ) ( 2 ) stating that reporting agencies are to furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates! No reporting agency had any written consent to furnish these accounts on my behalf and that is identity theft!
Product: Debt collection

I have just been informed of this co llection as of  X/XX/17 . THe co  mpany is saying that they can keep this on my credit report for 20 years. I have researched this case individually, and the amount out for collection exccedes the amount the first party originally attempted to collect.
Product: Credit card or prepaid card

For XX/XX/2023 I paid a total of XXXX dollars to Self.inc. I only used XXXX of the credit in XXXX. I overpaid them XXXX dollars. I still have a balance due. I would like to know why their system does show that I overpaid them and why do I have an outstanding balance. I have tried to contact them. I am getting long wait times or the staff simply can't help me.
Product: Mortgage

I am a victim of the " Hardest Hit '' in employment & mortgage during this economic downturn. My mortgage was originally with XXXX XXXX, refinanced through XXXX XXXX for a fixed interest rate, after XXXX failed, XXXX XXXX took over, and from XXXX XXXX until XXXX XXXX, it has been a constant battle to keep my home. I do not believe XXXX XXXX ever had the legal right to collect funds and harass me with foreclosure. In XXXX XXXX, XXXX XXXX trans- ferred my mortgage to Bayview Loan Servicing LLC . Florida. Bayview was to continue where XXXX XXXX left off and that was a newly approved Short Sale application. Well Bayview did not honor this plan and has cancelled the Short Sale process, did not offer an alternative plan to help me stay in my home, until I asked would they consider a modification, with the principle reduction offered by XXXX XXXX and sent them the information from XXXX XXXX website. Bayview sent me the documents to apply for a modification, but during the process I was asked for documents that was included in the package, that I mailed certified and while getting the information, I received a notice from XXXX stating they were handling a foreclosure on behalf of Bayview. So now, Bayview is saying they will not stop the fore- closure unless there is either an offer for a Short Sale, or an approved modification, and they are not honoring either one! There is a sale date of XXXX XXXX, XXXX! I thought it was a Federal rule that during appli- cation for an alternative work-out plan a foreclosure could not be pro- cessed. I filed a complaint with XXXX XXXX, but their agent is in agree- ment with Bayview , saying they should have an answer for me about the modification, but weeks have gone by and the foreclosure sale date is in thirty days. 
If you can help me with this matter, I appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # 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.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX and I could not submit my form online with the credit reporting agency I keep getting an error message making it impossible to correct the adverse items on my credit report. 


1022.142 Prohibition on inclusion of adverse information in consumer reporting in cases of XXXX XXXX

403 ( 3 ) ( B ) ( i ) of the Credit Repair Organizations Act, 15 U.S.C. 1679a ( 3 ) ( B ) ( i ) ), that : ( A ) Identifies any items of adverse information that should not be furnished by a consumer reporting agency because the items resulted from a severe form of XXXX in persons or XXXX XXXX of which the consumer is a victim ; and ( B ) Must contain a preferred method for a consumer reporting agency to contact the consumer electronically or in writing such as an email address or physical address where mail can be received. A consumer reporting agency shall use only the consumer 's preferred method of contact for communications under paragraphs ( d ), ( e ), and ( f ) of this section about the consumer 's submission and shall not use the consumer 's preferred contact information for any other purpose.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This morning, starting at XXXX, they called me 16 times. The last call at XXXX. ( I took screen shots of the calls ) That is harassment. They call all the time anyway, at least 2-4 times a day. 
I called them once and asked them to prove the debt is mine and they have never provided me the proof.
Product: Debt collection

Regarding account XXXX WAKEFIELD & ASSOCIATES is contacting me at inconvenient times and places. They are contacting me before XXXX XXXX., and after XXXX XXXX. I never agreed to it. These repetitious phone calls have annoyed my family and myself. WAKEFIELD & ASSOCIATES have also used obscene and profane language and threats regarding this debt that is not mine. They are also blocking their number and calling me without telling me who they are. 
In addition, they have also stated that they are an attorney making threats to arrest me, garnish my wages and bank accounts, and sue me. 
WAKEFIELD & ASSOCIATES has also contacted family members of mine more than once trying to collect this fraudulent debt. WAKEFIELD & ASSOCIATES have discussed this account and personal information about this debt harassing others trying to get me to pay this debt. WAKEFIELD & ASSOCIATES fail to respond to my verification letter by certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT THREE LETTERS TO THIS COMPANY ASKING THEM TO REMOVE THESE CREDITS FROM MY REPORT BECAUSE THERE IS NO CONTRACT WITH THESE COMPANIES ; THEY ARE SHOWING THE ACCOUNTS AS CHARGED OFF AND CLOSED ; AND UNABLE TO PROVIDE PROOF OF DEBT. 
UNFAIR REPORTING REGIONAL XXXX XXXX ( REPORTING OPEN DATE AS XX/XX/XXXX ) XXXX XXXX XXXX XXXX REPORTING XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX UNIVERSITY XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

I XXXX XXXX have been in XXXX. My XXXX is at XXXX and I have a long road to recovery. My daughter had reached out to you about rapid cash. I have an account with XXXX XXXX XXXX in Nevada. Rapid cash refuses to respond back to me or my daughter countless times. I have intent to pay but I am a VA member and they do n't cover all the hospital expenses I need. If rapid cash is unable to temporarily suspend it, They will drain my account and I wo n't afford my recovery expenses. I have submitted a claim to my bank. And now I am writing you as well I do n't want them to take my truck and I only want a temporarily hold on my debit card and ach from them until I 'm out of the hospital My case worker can be contacted
Product: Credit card or prepaid card

I made an online purchase of multiple clothing items from   XXXX   XXXX   for a total of $ xxxx.xx back in  XXXX . 2016. It was shipped in  XXXX  boxes with   XXXX   separate charges to my credit card. The merchandise was all a size too big and of inferior quality, so all was returned in a fairly timely manner - in one box.   XXXX   credited less than half the amount with assurances that the full amount would be credited. Then, that did not happen ;   XXXX   will only issue a store credit which is not acceptable as the merchandise is not quality.
I opened a dispute with Barclay Card us. Barclay refused assistance of any kind for the following reasons. ( 1 ) They allow only 60 days to file a complaint. When a filed a written response explaining that I had been dealing with the merchant for months, who had assured me of a full refund but never delivered, they refused on a different basis as follows : ( 1 ) Before I returned said merchandise, I was to have gotten a letter from a competitive designer stating that the   XXXX   XXXX   clothing did not fit and was inferior. This information needed to be on the competitive designers letterhead " detailing how the merchandise received from the above merchant was incomplete, unnecessary or of inferior quality, size, color, or unsuitable for the purpose sold etc. PRIOR to returning the merchandise back to the merchant. '' Ridiculous! Take a moment to consider, is it EVER a customary practice to have a competitor write a letter guaranteeing that the merchandise consumers need to return is defective?! This is a outrageous criteria for a bank to insist upon to credit a consumer.
( 2 ) I needed " to supply a letter of intent as proof the merchant intends to credit my account ''!
This is also outrageous criteria for the consumer - is n't this what my fees for this card pay for? It certainly is what   XXXX   XXXX   XXXX   and our American banks do. Barclay 's reasons for blowing off the consumers can not possibly be legal ; their tactics all but guarantee that money will be stolen from us from the big banks as is the case here.
Thank you for reporting this to the authorities. I hope a Barclay can be restricted from doing business in the US.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Checking or savings account

I have tried to open accounts through XXXX  XXXX XXXX and Truist bank and they wont let me open one due to them thinking I was involved in fraudulent activity but u was never involved any of that type of activity I am currently a student in colleg and have no idea on what is going on and why I cant create or make a new bank account
Product: Checking or savings account

On XX/XX/2018 I opened a new Citi checking account stating I would receive a {$400.00} bonus if terms were met. I met required terms and on XX/XX/2018 I received an Email stating congratulations you have earned a {$400.00} bonus. After multiple calls and chats being told I got it but just needed to keep waiting it still has not been credited.
Product: Credit card or prepaid card

I am writing to dispute a billing error in the amount of {$700.00} on XXXX/XXXX/XXXX. The amount is inaccurate. I am requesting the error be corrected, that any finance and other charges related be credited as well and I receive an accurate balance. A clerk at Kohl 's Department store processed a payment for {$700.00} on XXXX/XXXX/XXXX, instead of the correct amount for {$100.00}. The bill, was for {$100.00}, the check was written for {$100.00} but the clerk keyed in {$700.00} and it was debited from my XXXX checking account. On XXXX/XXXX/XXXX I notified XXXX of the error. On XXXX/XXXX/XXXX XXXX confirmed the incorrect amount was charged and stopped payment for the {$700.00} and allowed correct payment for the {$100.00}. Kohl 's is still showing I still owe {$700.00} with interest and late fees. I never made any purchases for {$700.00} and have not been able to resolve this with Kohl 's Department Store.
Product: Debt collection

I was disputing addresses that were on my credit report with XXXX that were incorrect. I tried disputing the address ( XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  as Ive never lived there. XXXX said they could remove it bc there was an account connected to this address. I found that the account IC systems is showing as a collection connected to this address. I disputed the collection bc it does not belong to me. I called IC systems directly and they have the same address listed with an account number that does not belong to me. The original creditor is XXXX whom I currently have an open and active account with under my current address and a different account number as the collection acct. my acct is in good standing. Please have them remove this collection from my XXXX XXXX reports asap . It is causing issues on my end. Thank you! 

I.C. SYSTEM, INC Account number XXXX
Product: Checking or savings account

on XX/XX/2022 my girlfriend and I were in the parking lot of a food truck when we were approached by XXXX people armed masked gunman. The XXXX had hoodies to cover their head and mask, this instantly made me fear for our lives. The XXXX approached the car and immediately told us not to move or say anything or they would shoot. After that they took all of our belongings ... our wallets. her purse. my backpack and our phones. at the time we were so afraid that we were completely unaware or why they were moving our phones around our faces but that was the furthest thing from our minds. we were just trying to make it home safely. I later discovered an unauthorized transaction on my account on the amount of XXXX $ USD. I contacted Chase Bank about the unauthorized transaction and they ask me to explain what happen. I explain the situation and they made the claim and told me they would have a decision on my case in a few days. A few days past I didnt receive a call or notification. I contacted chase again only to find out my case was denied. I asked for a reason and they told me because it was threw Face ID and they couldnt prove it. They asked me to prove it was unauthorized. I asked what could I do to prove the incident they asked me for supporting files to prove my case. I asked them would a police report helped, they said yes they dont deny police reports normally when are faxed in to them. So I faxed the police report. I also faxed an online police to make sure. I called back and let them know the documents where on the way, and was there anything else I could do to make this process faster or more convenient for us both. They replied no and said we will wait on the documents to reopen your case. So I wait another week call back and they still have received the documents.they told me it would only take XXXX hours. I wait and call back in XXXX more days and they still havent received them yet. I asked to speak to a manager an they pretty much tell me the documents want help. they dont know why they even told you to waste my time and send them we hand we. I call back the next day and the new representative tell me the documents will help. I repeat this process for weeks. So I go into the branch to send them and the branch had to send the documents 3 times before they received them. Only for Chase tell me XXXX  days later, after the holidays that my case was denied again and theres nothing I can do about it. I have talked to XXXX different managers and this has been going on over a months and a half. I been to the branch and call them XXXX plus times. I need yours help to resolve this case XXXX $ is a lot of money that I dont have to waste please help.
Product: Debt collection

National credit systems fraudulently reported debt on my credit and gas ignored my repeated attempts to validate debt get it removed. They report that I owe amounts around {$300.00} to each of these apartments that I never lived in and have no knowledge of. In fact, when I call the apartments to discuss debt they said they have no idea who I am and also confirm that Ive never lived there and never set foot on their premises. I didnt even live in Texas XXXX XXXX, and the alleged debts are from XXXX. Therefore these entries must be removed : XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$350.00} in XX/XX/XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$300.00} Account number XXXX XXXX. XXXX XXXX {$310.00} Account number XXXX Opened XX/XX/XXXX
Product: Checking or savings account

BANK OF AMERICA LET SOME ONE TAKE XXXX OUT MY ACCOUNT IN XXXX IN ABOUT 5 DIFFERENT TRANSACTIONS I SUBMITTED A CALL LOG THAT SHOWED THE PHONE IT WAS BEING TAKEN FROM WAS LOCKED ON EACH TRANSACTION DATE AND SOMEONE HAD LOCKED AND TAKEN CONTROL OF MY WIF PHONE IF BEEN TRYING TO GET MY MONEY BACK EVER SINCE BUT KEEP GETTING THE RUN AROUNDS