23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am writing to express my dissatisfaction with the current situation at Gemini XXXX. I recently attempted to redeem rewards from my account, only to be met with a lengthy and confusing process that has left me without the funds I am owed. 

Gemini XXXX advertises itself as a quick and easy way to earn rewards. However, this has not been my experience. Upon attempting to redeem the rewards I had earned, I was met with a confusing and difficult process. It first required me to fill out a lengthy form, with a variety of personal information that I had already provided when I signed up. After completing this form, I was then told I had to wait an unspecified amount of time before I could access my rewards. 

I understand that there are certain security and verification processes that must be followed in order to ensure that all transactions are completed safely and securely. But this process should not be so long and XXXX  that it becomes an obstacle to accessing rewards. Furthermore, I was not provided with any information on how long this process would take, leaving me in the dark as to when I could expect to receive my rewards. 

It is also concerning that there is no clear customer service line for Gemini XXXX. I have attempted to contact customer service multiple times, but have not received a response. This lack of communication is particularly concerning as I am unable to access my rewards and have not been provided with any information about when I can expect to receive them. 

I am extremely disappointed with the current situation at Gemini XXXX and feel that the company should provide more transparency and communication with its customers. I believe that the process for redeeming rewards should be simplified and that customers should be provided with more information about the timeline for when they can expect to receive their rewards. Additionally, a customer service line should be established to ensure that customers can contact the company in the event of any issues or questions. 

I hope that Gemini XXXX will take my concerns into consideration and make the necessary changes to ensure that customers are provided with a more efficient and transparent experience when attempting to redeem rewards. 

Thank you for taking the time to review my complaint. 

Sincerely, XXXX
Product: Checking or savings account

Checking account with Truist, added a XXXX user to transfer money. They name of the receiving party did not appear when I added the phone number ( like what XXXX XXXX does ) and it appeared to be a match, name to the phone number I inputted. It was not and Truist will not assist to get money back. Money was sent even though the name i added with the phone number did not match the receiving party. 
Truist does it differently ( than XXXX XXXX  ) and did not alert me to the name difference. 

I sent {$700.00} but the funds never arrived to my intended receiver, a friend, not a fraudster. Instead, funds went to a person whose telephone number is one digit off and she kept the money. Truist did nothing to help,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two student refinance loans with XXXX/Earnest ( Earnest.com ). I recently moved and changed my address for many of my personal accounts. I gave Earnest my correct new address, but they still somehow reported it incorrectly to the 3 major credit bureaus as well as the 2 smaller ones ( XXXX and XXXX ). 

I requested to Earnest that they fix this issue as when I tried to have XXXX   remove it, they said that Earnest must first correct it on their end. After contacting Earnest, they told me that they do have the correct address on file and that's it's not their problem. 

I now have inaccurate information on all of my credit files and am having personal information mailed to the wrong address. Please assist me! 

The correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, GA XXXX Incorrect address reported by Earnest ( missing the " XXXX '' in my Apartment number ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed multiple inaccuracies. There were several unauthorized inquiries that alarmed me. I immediately contacted Transunion, in part, because I have been a victim of identify theft in the past and also because I was affected by XXXX data breach last year. Transunion was not helpful and requested I file a complaint with CFPB or provide an Identity Theft Affidavit. I am choosing to do both and expect a quick remedy to this issue. I would also like to add a 90 day security/ fraud alert to my file. The following inquiries are unauthorized and I would like to dispute and have them removed from my credit report ASAP : XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX, I received a call from an unknown number for which no voicemail was left. I called the number back and was informed that I owed a debt to XXXX for an amount of ~ {$130.00}. I told them that that was impossible as the XXXX bill was handled through the property management of my previous address that I moved out of in XXXX. I told them that I am disputing this and that this is not a debt that I owe. When I told them this I was told that I would need to be the one that needs to contact XXXX XXXX XXXX regarding this. That is patently false. I have not received ANY written notification regarding this debt, not have I received anything that verified this debt. T
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.
Product: Money transfer, virtual currency, or money service

I made a purchase with XXXX XXXX on XX/XX/XXXXXXXX  in the amount of {$1500.00}. On XX/XX/XXXXXXXX  they refunded me a partial amount of {$1300.00}. Their payment processor Square shows the refund initiated that day. That same day a pending transaction hit my bank account to hold place for the refund. My bank DOES NOT hold refunds and posts them instantly. So on XXXX, no refund posted, I reached out and asked if Square had actually initiated it. All I got back was a canned response. On XX/XX/XXXX, I reached out to my bank as I'd never had a refund take more than a day to process. My bank said they could physically SEE the {$1300.00} refund and that the only reason I didn't have access to it it because Square has a " hold '' on it and won't allow it to be released until XX/XX/XXXX. So I reached out to Square and they provided the same canned response about refunds taking up to 7 days to process. But it HAS processed, they're just holding it. Then I was told that sometimes they hold it if they are investigating the sellers account. I'm not sure why MY refund is being held up for an investigation of a sellers account. I signed NO agreement with Square that would allow them to hold my money for no reason, and honestly, didn't even know I was using Square until I got the charge on my card showing that XXXX XXXX uses them to process. So today, thinking my refund will be there since the hold was supposed to be released today, I look at my bank and NOPE. Still no refund. I reach out to my bank and they say that Square STILL hasn't released the hold. I reach out to Square and yet again get another canned response about processing times. Again, they are HOLDING my money. Not processing. The process is done, my bank sees the full {$1300.00}. It is being HELD from being released by Square and I did not sign any agreement with them that allowed them to WITHHOLD MY MONEY. I would like my funds released NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX XXXX  ) IS NOT SHOWING PAYMENTS I HAVE MADE IN TIMELY MANNER. BALANCE IS OLD AND CURRENT/ NEW BALANCE IS MUCH LOWER. 
REPEATED REQUEST ( DISPUTES ) WITH CREDIT BUREAUS HAVE NOT HELP TO CORRECT BALANCES.!!!!!!
Product: Checking or savings account

Wellsfargo proceeded with a temporary deposit RETURN- removal on my account in regards to a scam. 
This is what happened, I had agreed with the seller on two orders of XXXX gloves. Totaling XXXX gloves. However, instead, seller sent a total of XXXX gloves. Seller sent XXXX gloves for each order, totaling XXXX gloves.Seller did not sent the XXXX that were agreed on both orders. 

I submitted proof that the seller sent wrong quantity. I proceeded with a return. The items were packaged and shipped as instructed and APPROVED by the seller and shipped. I have attached proof of conversation with seller in regard to return instruction agreement. 

Now, wellsfargo a bank I been with for almost 8 years have sided with a scammer and charged me two disputed transactions of {$900.00} each Totalling {$1800.00} charged on my account from a temporary deposit RETURN
Product: Debt collection

I don't recall having a contractual relationship with this collection company XXXX XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft which has caused my credit to suffer tremendously due to someone using my social security number to apply for loans and credit in my name that I did not do. Please remove the following accounts immediately. 
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I have been a victim of Identity Theft and have enclosed the following documents with this document, My ID for Proof of Identification, my Identity Theft Report, Identifying the following information, and a copy of my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are incorrect and adversely affecting and hurting my livelihood. 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
Product: Credit card or prepaid card

Purchased {$25.00} vanilla gift card and tried to check balance and site said invalid card. I called customer service and they said my card was locked due to potential fraud and they would have to send me another card in the mail taking 7-10 days! How can they lock my card right after the purchase of it? I think they are doing this to hold your money longer ( draw interest of your purchase ) without you being able to spend your balance. Im sure they are doing this to slot of people! Please do something! Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I sent a certified letter with return receipt to Americollect regarding 2 erroneous and unverifiable entries that they are reporting on my credit reports. This was my second attempt to seek validation on the reporting of this entry. Americollect has not one time provided a dunning letter prior to placing this entry on my reports, nor have they attempted to respond to my requests. 

In my latest correspondence to them dated XX/XX/2018, I requested they provide a copy of the financial responsibility page, provide a copy of my signature with the provider of service to release any medical information regarding the alleged debt as well as cease any credit bureau reporting until the debt had been validated by me. Americollect did not. This entry 's insertion on my credit reports is a blatant violation of my consumer rights and the mere fact that I have requested in writing, to this company, to provide specific information regarding this alleged debt and they did not respond, nor have they responded in well over 60 days, is yet another notable violation. 

These entries must be deleted from my credit report immediately.
Product: Debt collection

When the original creditor called we were confused about the debt because they were saying XXXX XXXX and I have a XXXX XXXX Credit Card. We told them we did n't have an account with them and they said thank you and we never heard from them again. Now they have apparently sold the debt to LVNV Funding and they call and tell me they are serving me with papers and going to be contacting my place of work. I am not even sure what this is about.
Product: Vehicle loan or lease

I purchased a car on XX/XX/2019. I was given a copy of an XXXX Credit rating that was XXXX. I immediately contacted XXXX to inquire and was given a much higher score by them. I contacted Carvana on XX/XX/2109 to inquire and was told there was nothing that could be done. They said if I was not satisfied I could refinance through another lender. 
I believe I was intentionally told I had a lower credit score to give a loan at a high interest rate. The form sent to me by Carvana with an XXXX header seems suspect to me.
Product: Credit reporting or other personal consumer reports

Greetings i have just notice that these companies listed has bought my personal information not to collect a debt but reporting for profit to themselves. This is against permissible purposes of my credit report. I do not owe any debt and refuse to pay charged off, collections accounts. Debt bondage is against the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a serious crime because I understand what fountain pen money is. There is no money gold and silver coin. Money theory and credit says that we use credit. Credit is only from the living sole. That's why corporations need and sell information to generate income through debts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There is no law that gives debt collector the right to steal and sell my personal private information. This is identity theft and fraud on me. I will not work to pay debts that is unlawful. According to all of the privacy acts I have the constitutional right to be protected and secure. I do believe the CFPB willfully does not hold these thieves accountable to the letter of the law. The law is clear about Identity theft and permissible purpose. I do not have any written agreement with theses companies I am not lawfully obligated to pay a third party a debt that was charged off. That would be insanity paying a debt that a group of thieves bought to coerce more money from me a living man.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my mortgage to XXXX since XXXX of XXXX yet the have failed to report my loan to the credit bureau. I have a pdf. of all my payments ( none late ) yet I can not get them to report to any of the 3 bureaus. This means I can not refinance because other lenders can not see my loan. They basically have me XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after XX/XX/2023 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Company failed to submit all original signature documents of the accused debt. This a case fraud And identity theft.
Product: Checking or savings account

I checked in to the XXXX XXXX XX/XX/XXXX and XXXX. Both times I had to deposit {$50.00} more for the hotel incidental fees twice. After I checked out on XX/XX/XXXX. I was told both of {$50.00} that totaled to {$100.00} will be sent back to my card account 3-5 days. Friday arrives I still didnt have my money deposited back into my account. So I called and got the manager XXXX XXXX on the phone who was very rude and used me being loud as an excuse to hang up the phone and tell me she wont be returning my money back. Although I let her know I took a screenshot of my account balance being back to {$6.00} before and after the transaction both times. She also, informed me how I couldnt take screenshots of the account. My money was never returned to me. 

I then called Wells Fargo who stated that they dont see the transaction of the {$50.00} deposit twice even though I have a screenshot of the monies being deposited and the ending balance after purchase of the room. Therefore there is no debate on the whether or not the transaction existed. Wells Fargo then informed me that they couldnt help me because they dont see it in their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is derogatory information on my Credit Reports that needs to be removed. XXXX placed a {$78.00} amount owed in my credit reports. The Collection Agency hired by XXXX is XXXX XXXX XXXX. I pay all my bills on time and have no debts. 
I paid my final bill to XXXX account number : XXXX on XX/XX/2019 and advised XXXX that there were erroneous charges on my final bill which I do not owe XXXX. I contacted XXXX on XX/XX/2019 to pay my final bill and to advise them of the mistakes on my bill. These are the mistakes on the bill which I corrected in my letter to XXXX. 

I advised them that my XXXX XXXX lease ended on XX/XX/2019. XXXX charged me a Lease Cancel Charge for XXXX XXXX XXXX XXXX in the amount of {$29.00}. Why would XXXX charge me a cancellation charge for a lease that previously ended or expired? I deducted the {$29.00} charge from the bill. 

I returned the three XXXX  XXXX phones to XXXX, in their unopened boxes on XX/XX/2019. XXXX charged me a Total Lease amount due of {$6.00} for each of these telephone numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I deducted the {$6.00} charge for each of the three of them for a total amount of {$19.00} from the bill. 

XXXX over charged me {$29.00} for the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX Own it in 1 payment price was {$170.00} and not {$200.00}. I deducted the {$29.00} charge from the bill. 

The total amount that XXXX has overcharged me was {$78.00}. I enclosed my check number XXXX in the amount of {$610.00} which was my final payment to XXXX. I do not owe XXXX any further charges. XXXX then to sent the {$78.00} charges to XXXX XXXX XXXX and neglected to remove the erroneous charges from my bill and put derogatory information in my credit reports. XXXX should remove this derogatory information. Please resolve this on my behalf.
Product: Checking or savings account

I check was not deposited on the XXXX XXXX XXXXXXXX cause an internet to be turned off Capital One would not give me any resolution and I was expecting a {$1400.00} check to be deposited on Thursday
Product: Debt collection

I received XXXX services and was not told the XXXX was no longer in network with my insurance. I never receiving a bill from XXXX XXXX XXXX in XXXX SC. They reported the amounted owed to a Collection Agency, XXXX. As soon as I saw this on my credit report, I paid it. It remains on my credit report. I have contacted both XXXX and XXXX XXXX XXXX with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Finance manager XXXX XXXX illegally pulled the credit more than once for me ( XXXX XXXX XXXX, and daughter ( XXXX ) with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX XXXX XXXX never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX  XXXX ( never authorized ), XXXX XXXX  ( never authorized ) and XXXX XXXX ( never authorized ). Mr XXXX XXXX directed the auto loan to XXXX XXXX  at a higher rate than the one with our financial institution, and falsely tried excusing himself using a credit score of XXXX for me, to which we demonstrated XXXX for 2 agencies and XXXX for one, and the ability to get the best rate offered by our financial institution of 5.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 5.33 %. The fraudulent practices by this individual are performed after a 5 hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's XXXX XXXX with the inquiries, and they ended paying slightly more to the non-preferred institution, abusing of the three persons involved in the purchase ( my wife, my daughter and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : XXXX ) trade-in value ; XXXX ) being forced by the dealer to buy unwanted additional items not yet installed ; and XXXX ) The fraudulent actions from Mr. XXXX XXXX to earn a referral fee from XXXX XXXX . Regardless of that the fraudulent Finance Manager pulled the credit with 6 unauthorized institutions instead of pulling with the only XXXX instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my daughter.