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

I invested in a product that was advertised as an extremely safe, XXXX USD-backed USD equivalent Ethereum token created by the Gemini XXXX and regulated by the most strict NYDFS. This product was advertised as an interest-bearing product and, " redeemable for USD at anytime. '' However, it has been over one year since I requested the exchange of my GUSD into USD and it still has not been provided to me as promised. This exchange is still in business making profits off of similar business practices that we have now come to know as fraudulent. Had I known that XXXX was not backed XXXX, or that Gemini converted XXXX deposited into the Earn program into some other risky asset, I would not have used their services. Had I known they were lending their assets to only one entity, I would not have used their services. None of these risks were made clear at any point when using their services. 

They literally invented XXXX themselves, advertised it's equivalency with the US Dollar, boasted about the regulatory clarity, bragged about it's security and traceability, but then proceeded to LOSE ALL OF IT! Where is the XXXX now, how could it disappear if it is traceable? The questions and answers are obvious : THIS IS BLATANT THEFT AND FRAUD! 

Customer 's have killed themselves, customer 's have been without their funds for over a year. Many of these customers had a lifetime 's worth of savings invested in this " US Dollar Equivalent. '' Gemini has provided meaningless communication updates every month or so since the fraud they conducted in 2022. These updates are absolutely empty of any substance and yet it is this very empty communication that seems to satisfy the CFPB enough to close all the complaints related to this? 

IT IS AN ABSOLUTE TRAVESTY WE ARE NOT PROTECTED FROM THESE BAD ACTORS. GEMINI IS STILL CONDUCTING BUSINESS LIKE NOTHING HAPPENED. IT IS SOUL-CRUSHING AND FINANCIALLY DEBILITATING TO BE A PART OF THIS CLASS OF VICTIMS WHO HAVE BEEN UNWHOLE FOR OVER A YEAR! 

THE CFPB NEEDS TO DO SOMETHING TO RETURN OUR FUNDS ASAP! PLEASE!
Product: Payday loan, title loan, personal loan, or advance loan

I have been trying to request via email that they provided a monthly repayment plan since my financial situation has changed since I took out the loan. They are claiming I asked them for a cease and desist which I did not. I have repeatedly emailed them and received no response. I had a decrease in income and would like a monthly payment plan as once a month payment that would fit my current budget.
Product: Debt or credit management

I paid a collection account with consumer adjustment company ( CACI ) in full. CACI promised to send a notice requesting that collection account be deleted from my credit report. This account was paid in mid XXXX. CACI says they sent notice to have it deleted from my credit reports on XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX but both XXXX and XXXX say they never received this notice.
Product: Checking or savings account

JP Morgan Chase Bank I deposited a check in the amount of XXXX online which they allowed me to do by the app and they froze my checking and savings accounts since XX/XX/2023 because they marked it as a fraud only because they wanted to confirm the source. I told them it is a payment for a divorce agreement in which I give my rights on a house I had in my marriage. 
They were trying to contact the person that issued the check and then finally did and confirmed he made the check. 

The check was confirmed and after that the account still frozen because now I have to provide prove of my new address in which I moved two weeks ago and I made the mistake to change my address on my account. 
They tell me my drivers license with previous adddress, my taxes, my social security number, my date of birth or my pin or my new address lease is not enough to unlock my account. 
Also that it was fraud cause I deposited online which in first place they allowed me to do and they transferred that money from the other persons account into mine. 

Chase bank also send a letter that they are going to close my accounts if they dont fix this problem which is not my fault at all. 
If they dont allow that amount to be deposited online they have to state so in the app or somewhere. 

I already showed them my identity in multiples ways and the account is under my name only and they still no giving me my money. 

To my disgrace I realized my accounts were locked when the police was taking my car with a tow truck because I parked in a wrong spot and I tried to use an atm at a gas station.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 reporting, credit repair services, or other personal consumer reports

I was informed by my mother that I kept receiving mail at her home from a collection company. She said she the most of the envelopes away thinking it was just trash. Until just recently she decided to open the most recent letter because it from the same place from before. I don't owe any money to anyone. Some one falsely has given my name and social to open many accounts under my name. I had to pull my report to figure out what was happening. I need all these fraudulent unknown suspicious accounts off my report. 

XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$290.00} XXXX XXXX  XXXX {$290.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX   XXXX {$350.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX ( account number : XXXX ) XXXXXXXX XXXX XXXXXXXX ( account number : XXXX )
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. XXXX XXXX XXXX -acct # XXXX 2. XXXX -acct # XXXX 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 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 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: Student loan

I was repaying a student loan to Navient for about $ XXXX month when suddenly Navient extended my loan for ten years and lowered payments without my permission. Now it seems that despite asking Navient to remedy the changes they made without my permission, and despite paying the {$300.00} a month the loan has been extended beyond the 10 years. I was suppose to pay based on what I believed to be the terms of the loan. This loan company is criminal. I believe by changing the loan the company intended to collect more interest and has somehow managed to do that despite never getting my permission to change the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/2023 - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report
Product: Checking or savings account

My attorney advised me to inform the federal court Wells Fargo has not honored their settlement offer of {$3700.00} made to me by an XXXX XXXX with Wells Fargo in XXXX. Since no payment was received, I have again requested a refund amount of {$610.00}. I requested this amount prior via four mediation request forms sent to me by Wells Fargo. I deducted prior refunds received as a remedy, they are reflected in this amount. Wells Fargo rep by the name of XXXX XXXX claims to have made numerous attempts at resolution, exhausted all resources. He does not go into any detail of these supposed resolution attempts, which I can assure the CFPB and any other agency are entirely bogus. I've sent in a total of four mediation request forms, was offered a bogus settlement as no payment was received, denied refund since. Further, Wells Fargo is fully aware of what it needs to do in order to resolve this, which is to refund {$610.00}. Since they will not honor my request, an attorney has advised me to notify the federal court they have failed to honor their settlement offer. There appears to be numerous cases in the court system against Wells Fargo, I was advised to inform the court they have not honored their offer, failing to refund. Most recently, I attempted to resolve this matter by calling their Executive Office, I called on Monday XX/XX/XXXX, spoke with a total of three different reps ... I spoke with a XXXX whom could not locate any cases or files under my name, despite numerous CFPB complaints. She then referred me to settlement administrator which I believe to be a mere run-around as the settlement offer was made with a rep with Wells Fargo, her email is from Wells Fargo as well. I called back, spoke with another XXXX, requested to speak with XXXX, she could not locate him and also could not locate any cases under my name. A third call was made spoke with a XXXX, the same result with this rep as well.. If there is any question as to which party is trying to resolve this, please refer back to info I just provided and the fact XXXX has not detailed one attempt at resolution.. I can assure any third party to this matter that Wells Fargo has done absolutely nothing to resolve this..
Product: Debt collection

Hi my name is XXXX XXXX XXXX. I have never done business with Midwest Recovery Systems. I do not have a signed contract nor any type of contract with Midwest Recovery Systems. I have the right to demand to see between Midwest Recovery Systems and myself.
Product: Debt collection

HOA Association XXXX XXXX sent my account to the Collection Agency Nagel and Zaller for XXXX. My Account was paid to the HOA agency before receiving the initial collection notice. Check payments noted on statement balance sheet. Notified HOA and Collection agency and account remained in collections. I have attempted to pay my account and settlement amount was denied. Attempted to make a payment arrangements and the payment arrangement submitted to me by the collection agency was incorrect. My account has excessive charges and fees that are not valid. My account has legal court charges for a case that did not go to court. Charges for preparation of an incorrect payment arrangement. Requested payment arrangement on the amount owed and I was sent an arrangement for double the amount that was owed.Email traffic with XXXX XXXX and account still remains with excessive charges and incorrect information. 
Account was paid in full for the collection amount of XXXX before I received the collection notice. Nagle and Zaller was recently sued for unfair collections practices, for practicing without a license. They are attempting to foreclose on Veterans home and rack up excessive collection charges.
Product: Mortgage

XXXX is a Complaint I already have with the Consumer Financial Protection Bureau in regard to Lender America 's Wholesale Lender, Servicer Bank of America, Trustee XXXX fka XXXX Trustee for XXXX, XXXX Asset Backed Certificates Series XXXX. Today XX/XX/XXXX I have received another letter from Bank of America requesting more time to investigate Account XXXX. Bank of America ( Servicer ) claims to have Legal Standing to foreclose on property @ XXXX. America 's Wholesale Lender ( A Fictitious Corporation ) A Service Mark Name filed with the United States Trademark Registry ( Trademark Assignment ) Number XXXX never had lawful standing to convey property or sell property yet on XXXX/XXXX/XXXX through an Assignment of Deed of Trust conveyed property over to XXXX violating a Pooling and Service Agreement as the Assignment of Deed of Trust was to be in the pool prior to it closing XX/XX/XXXX. Bank of America XXXX then took action to foreclose on property knowing that America 's Wholesale Lender was not a Corporation and Bank XXXX New York XXXX as Trustee who had no lawful say in the property whatsoever foreclosed on property on XXXX/XXXX/XXXX and sold property to XXXX XXXX on XXXX/XXXX/XXXX through a foreclosure sale. XXXX XXXX took me to Eviction Court on XXXX/XXXX/XXXX Justice of the Peace, Precinct XXXX Place XXXX, Judge XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PH : XXXX Case No. XXXX, XXXX XXXX XXXX vs XXXX XXXX. The judge did not evict me from the property and had me pay a {$1500.00} Cash Bond to appeal in a Higher Court. I am waiting on the Court Date and Court to which the appeal will be heard. XXXX XXXX stated that the property was valued at {$110000.00} and presented a Deed without Warranty to the court shows that XXXX fka The XXXX as Trustee for Certificateholders XXXX, XXXX Series XXXX for sume {$10.00} was paid and my property was sold. XXXX put in writing to me a several occassions they did not Own Loan or property was not a lender and had no say in the property yet Bank XXXX New York XXXX sold the property. After giving Bank of America and XXXX fka XXXX 5 years to provide me with who the true lender of the property XXXX XXXX XXXX XXXX was, both parties declined to be honest and truthful. They used deceptive acts to take control of the property and foreclose for their own personal gain. In my opinion, this is why I have the opportunity to Appeal to a higher court. America 's Wholesale Lender and XXXX as Trademark/Service Mark/Fictitious entities is the reason I gave the judge and told her that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX does not have a clean title to the property just as from Origination of the Deed of Trust and Promissory Note in the name of America 's Wholesale Lender was deceptive and it is not clear who the Lender is or who the debt is owed. From what I can see, I am the holder of the Deed of Trust to the Note which reads Lender is America 's Wholesale Lender. I am still living in the property for alleged XXXX under the fictitious Lender. Bank of America sold the property and is going to be held liable for damages.
Product: Mortgage

In XXXX my husband and I refinanced out home with Country Wide Home Loan to consolidate a first and second loan, substantially lower interest rate and cash out some equity. When the original loan was started in XX/XX/XXXX we were not married as of yet but was married prior to final documents being signed therefore the property remained solely in my husband 's name since he had purchased the property a couple of years earlier. In XX/XX/XXXX a second was taken out which was a joint loan and therefore changed title on property. 
After finalizing the refinance in XX/XX/XXXX a loan agent approached us that the rates were coming down again and we should refinance again to lower our payments however advised us not to include my name as I had student loan debt. we were assured nothing would change When Country Wide failed Bank of America assumed our mortgage ow recognizing only XXXX as the sole owner and I as non existing. On XX/XX/XXXX XXXX, my husband unexpectedly passed away. When I notified B of A of his passing the options given to was to be appointed as executor of the estsae,, sell, continue to make payments with no legal interest in the property or assume the loan which involves qualifying to do so. 
In XX/XX/XXXX I was placed on XXXX due to health issues seeing I am not XXXX years old at the time of XXXX 's passing and knowing my main goal is to keep my home where we have lived in for almost thirty years. Where we have raised our children and had the pleasure of welcoming XXXX grand children was absolutely daunting. 
After much exchange of information with B of A they now are granting me information on the loan but the no legal authority. I am in the process of working with Keep Your Home California however they are requiring a new modification which B of A sent me an application for but when I phoned to request information was informed the modification would not be granted if I did not assume the loan. 
The deed to the home is now in my name going through paper work we found copies of the XX/XX/XXXX loan where on XXXX different papers my name was listed with the word borrower as well as letters from ReconTrust the note holder of the property when we fell behind on payment after a prolonged layoff. 
I feel victimized seeing we were lured into a loan where my name was omitted but led to belieie it was no big deal since we were married and the house was in my name I feel this was extremely predatory and fraudulent and B of A needs to do the right thing. 
The loan is current and in good standings however XXXX of my kids have moved into assist me financilly but are in the midst of purchasing their own home. I want m home not only because I have paid for it for 29 years and is modified for my XXXX issues
Product: Debt or credit management

I signed up with Freedom Financial company for my outstanding debt negotiation. I signed up last year in XXXX however they collect my payment for about XXXX payments when I realized they are not negotiating with my creditors instead charging me {$10.00} per month for an account service where my agreed payment was being deposited. At the end of XXXX month I receive a court summon from XXXX of my creditor then they provide me a lawyer who said he negotiated to pay the whole balance. Before I signed up the creditor company offered me better deal then the freedom financial. Freedom financial originally promised to save me at least 30 % of my balance and later after court summon asking me to agree to pay 100 % payment. I felt this is a game they are playing with me to make more money then they originally promised said they would make from the creditor. I cancelled their service but I am not getting any more information where I stand with my court summon. I am extremely under stress and can not sleep worrying about my court summon.
Product: Student loan

Navient is the loan serviced. They call everyday threatening to have me arrested at work for default. The minimum payment they are requesting is over 2,000. I am a single mother barely making it as it is. I have tried to negotiate a lower payment and they forbid to help me. No one can give me details on the loan, such as amount borrowed or when it was borrowed.
Product: Debt collection

I have disputed these debts with XXXX, XXXX and XXXX 6 times without success in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX The following collection : I.C System, Inc {$870.00} Some of the answers that I received were that the collection had an update, again it said that it was verified but I do not agree with the answer since they are not my collections.
Product: Credit card

I have been a customer with Capitalone for over XXXX years. Today I called to try to lower my high % APR and they said they ca n't help me with this. I 've always made my payments on time and I have paid of my balance XXXX times this year.
Product: Credit reporting or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX