23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Rapid Mortgage Funding ( RMF ) located at XXXX XXXX XXXX # XXXX XXXX XXXX MI XXXX, made promises and guarantees, to which they have not followed through with. The agent I spoke with was XXXX, who pitched a streamline loan product that started at 6.37 % and would streamline to 3 % 6 months after my first payment. RMF is not honoring this product as promised and guaranteed. I am sure phone records can be pulled, along with a letter that I rescinded the initial agreement. I then let them talk me back into the product based on the guarantee that I would be at 3 % in 6 months. I have complied with the stipulations that I was told I needed to adhere to, which was to simply maintain my payments on time. All these claims were made verbally. I do have some emails that I send in relationship to this company. 
According to internet research, this company has similar complaints filed for the same activity. This company is unethical, dishonest, and should be shut down. They have built themselves by scamming XXXX XXXX, such as myself and, according to a little digging, it appears as though they have pitched this same product, or have made similar promises to other XXXX, who have also fell victim to their scam.
Product: Credit reporting or other personal consumer reports

on Experian, XXXX both have my birthdate as XXXX  which is my father who is deceased. 
Also XXXX XXXX is reporting negative account and can not provide me with an original signed agreement, I believe to possibly be my fathers
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB NEEDS TO INVESTIGATE THIS NOW!!! My name is XXXX XXXX DOB XX/XX/XXXX. When I spoke to the rep and paid this account in full once out of the XXXX, he just me 100 % All that was owed on my account back to XXXX was a {$35.00} late fee that I filed a Reg Z dispute for and THEY NEVER RESPONDED!!!!! I ENDED UP WITH OVER A {$200.00} BALANCE OVER NOT PAYING A {$35.00} LATE FEE I DISPUTED. Then here is the best part- IT WAS WAIVED WHEN I PAID THIS ACCOUNT IN FULL BECAUSE IT WAS INVALID!!!! XXXX XXXX  is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XXXX XXXX!!! They clearly know I had XXXX in early XXXX and did not get out of the XXXX and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! 

They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX XXXX Account! 

I almost died from XXXX AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON XXXX XXXX CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! 

I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO XXXX MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS XXXX RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! 

OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!
Product: Debt collection

Never receive any paperwork prior to collection / reported on bureau. I went ahead and paid it on XX/XX/XXXX and the collection agency said they would send it for the trade line to be deleted off my credit. I called in on XX/XX/XXXX and spoke with a rep who said they wont remove it. I asked for a supervisor, and spoke to XXXX on XX/XX/XXXX who said give him 72 hours and he would call back after pulling the recording to verify that was what I was told. I never heard back so I called that following Friday, he didnt have the tape still and said he would call me back Monday. Its now XX/XX/XXXX. We keep calling and cant reach him and no one has called back. I want the trade line deleted as promised when I paid. Called today and spoke with XXXX who said I cant help you bye the call wasnt recorded. By law they have to be.
Product: Credit reporting or other personal consumer reports

I noticed two hard inquiries on my credit report that I do not recognize. The inquiries are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I contacted the credit companies directly, but they were unable to assist me and referred me to Equifax. I called Equifax to request the removal of these hard inquiries, but they informed me that they need documentation to proceed. Therefore, I am submitting this form to the CFPB to help resolve this situation.
Product: Checking or savings account

On tuesday XX/XX/2020, I was scammed out of all my money. I was called by this scammer who posed as a government official who said my identity had been stolen and in my name there are many properties and bank accounts and even criminal activity. I was told that all the accounts would be frozen and I had to pull my money out and convert to digital data through gift cards. I went to my Chase bank in XXXX. I said I needed {$20000.00}. They said they could only give me {$10000.00} and they called the Chase on the XXXX  side of XXXX and told then I would be coming to withdraw the remaining {$10000.00}. The scammer was listening to all the conversations. I went to the easy XXXX Chase bank and asked for {$20000.00}. The women said she was told {$10000.00} but would go ahead and give me the {$20000.00}. I pulled a total of {$30000.00} out of my account in 1 day and lost it all to the gift cards. Looking back, the bank should not have allowed me to pull that much out in such a short period of time in case of these types of scams where and individual is under duress.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$720.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting

I have a derogatory mark from the state of Oregon child support division. I paid the account arrears and they were supposed to fix all this. The reporting is inconsistent and unfair.The dates logged on my report are not consistent with the previous reporting practices. I was retaliated on from an employee that made her personal problems mine. I then dealt with a different case worker.
Product: Credit reporting or other personal consumer reports

I've raised disputes regarding a particular account with Equifax multiple times over the past XXXX XXXX months. However, after each purported " investigation, '' the outcome consistently asserts the accuracy of the reported information. It is imperative to emphasize that Equifax bears the responsibility of exclusively reporting precise and truthful information. Attached to this formal complaint are supporting documents tor verification. It is truly unreasonable for me, as a consumer, to invest my time in rectifying errors made by one company through the intervention of another.So, I do want to thank CFPB for their time and dedication to holding company 's like Equifax accountable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to adequately protect my personal information, which it had gathered without my consent in the first place, and which is used by financial institutions and lenders to open lines of credit. As such, Equifax has disclosed private information in my credit report to unknown individual ( s ) and put my entire financial life at risk. At a minimum they have cost me {$20.00} at this time to freeze my credit reports at  the other two agencies, and will cost me at least {$30.00} to unfreeze those reports at another time. Furthermore, the time and effort it took to get this freeze instituted should be taken into account. Equifax 's failure cost me time and money and will continue to do so for years, as I will have to temporarily lift this freeze whenever I want to open a new credit account and then reinstate the freeze when done. Their disclosure of my personal information, including SSN, is unacceptable. Their delay in informing the public about this disclosure is further unacceptable. And their use of a flawed tool to suggest that people were not implicated in this data breach, which returned random responses and certainly led me to delay in instituting credit freezes borders on active concealment of the breadth of the breach.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CREDIT REPORTS AND NOTICED A XXXX XXXX XXXX XXXX ON MY REPORTS
Product: Credit card or prepaid card

I got behind on my payments. I called Chase on XX/XX/XXXX to renegotiate my payment amount. I was told that I could do that and was told my payment would change from XXXX  XXXX/month to XXXX XXXX/month. I was also told that for credit reporting purposes I would be shown as current. I understood this to mean that the late payment information would be updated and no longer show missed payments. I called back on XX/XX/2019 to find out why my credit report still showed that I was late. I was told I had to make 3 consecutive payments for this to occur. In XXXX, after having made 3 consecutive payments, the credit report still shows that I am past due by 90 days. On XX/XX/2019 I received a letter stating that my payment had not been received for XXXX when it was made and recorded on the website as of XX/XX/2019 at the new agreed upon amount. I called on XX/XX/2019 and XXXX ( employee id # XXXX ) told me she would review the call log and get back to me. She was going to research the phone log and find out why I had been told that my status would be updated and then it was not. 

On Monday XX/XX/2019 I called back again. Only the XX/XX/XXXX call was reviewed and not the XXXX call. Account still shows over {$500.00} past due and it should show as current as of XXXX as agreed. 

Additionally, Chase had a name change to JPMCB and this resulted in a 1 point drop in my credit rating. Their name change should have NO impact on my report.
Product: Debt collection

I am not the person in debt, but my sister is. I received a call today from XXXX, asking for my sister by her full name. When I asked who they were, they said " I 'm sorry I can not disclose that information. '' When I asked " Why do you need to talk to my sister? '' they said " It is a private matter. Can you please pass a message? '' And when I asked how they got my information they said " We got it with some software. We ca n't disclose how. Do you know her? Can you pass a message? '' I then told them that I am a third party and they should not be speaking to me and then hung up the phone. They have now spoken to my sister and the company insisted that it is OK to call me, even though my name is not on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX XXXX XXXX was never been late as mine account they have to be changing this account with the other people ... this is e big mistake..
Product: Checking or savings account

As of XX/XX/19 JP Morgan Chase closed my checking and savings account without notice. My account had only been overdrawn for 2 days, and I was goin to bring my account back to positive standing on Sunday XX/XX/XXXX. I have always paid any overdraft fees, I usually had my account in good standing. They did not give me a reason for the account closing except that they are ending the relationship. I need my bank account. Im very upset about them closing the account, because I genuinely loved this bank. I dont know what to do. I have only been overdrawn 2 times.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a credit report alert that a dormant account was utilized. In reviewing the account, I recognized the amount charged. The amount was disputed in the prior year ( XX/XX/XXXX ) and the dispute was found in my favor and charges reversed. The merchant recharged the disputed amount on XX/XX/XXXX. I reported this to Brand Source Card and was transferred to various departments. It doe snot seem Brandsource has the appropriate controls ( as I did not receive an alert from them ) to detect that this was XXXX ) conducted on a dormant account and 2 ) the amount was disputed in the prior year. The third party ( XXXX XXXX ) is attempting to collect money that was already resolved under the Regulation Z process from XXXX to XX/XX/XXXX. I attempted to discuss with Brandsource, but kept getting transferred- the fraud department stated disputes handles the claim and the dispute department sends me back to fraud. This is clearly merchant fraud, trying to bypass Regulation Z error resolution requirements by re-charging the disputed amount, resolved in XXXX. I have attached reference to the dispute in XXXX along with my original complaint.
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 Account # XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 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 items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 USC, 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: Checking or savings account

I couldnt find any way to close my account on the Marcus by Goldman Sacks website. Then I spent several hours trying to close my account by phone. 
The first person I talked to said the account couldnt be closed because I had recently updated my email address on their website. The next 2 people I talked to said someone would have to call me back and Id have to give them a one-time 4 digit PIN. The first time, I was told someone would call me as soon as our call ended. They didnt call. I called back after over 30 minutes. After being put on hold 3 times, I was told again that someone would call to ask for the PIN but this time it would take 20 to 30 minutes for them to call for the PIN. There was no call back for several hours. I cant hang around for hours and keep my phone line open waiting for Marcus by Goldman Sacks to call. 
They also require me to be at home to sign for the check sent via USPS. That would certainly be another delay. 
Seems clear that this is a runaround to avoid closing a CD thats paying only a third of a percentage point interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting information is wrong/balance etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 unauthorized hard inquiries on my credit and I would like them removed. 

Dates are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I called navient to set up a payment arrangement even tho I had put my loan in deferment, I wanted to still make some type of payement. I asked can I be set up on auto pay for XXXX dollars bi-weekly, which would have covered the interest I would accumulate. The representative told me, they do n't accept transactions under XXXX dollars per transaction.I received this loan while attending XXXX College which at the the was handled under XXXX XXXX and transferred over to Navient.
Product: Credit card

I have recently learned that my credit card issuer ( Discover ) provided my credit card number and expiration date to a merchant ( XXXX XXXX ) without my authorization. Had I not reviewed my monthly statement in detail, this charge would have been incurred unnoticed. 

Since XXXX 2015, XXXX XXXX was attempting to automatically renew a subscription for a service purchased a year prior. They were unable to process the charge since my Discover card number changed the previous year ( number was stolen, new card was issued ). I contacted XXXX XXXX on XXXX to expressly request, in writing, that I wished to discontinue the once-purchased service. They acknowledged my request and said that after a time-out period the attempt to charge will cease and my account will reset. 

However, on XXXX, after apparently XXXX attempts to charge my previous credit card number, Discover provided my new credit card number and expiration date to XXXX so that they could process my transaction. I was never informed of this action. 

I do not view this as a lapse of XXXX since they considered that the issue would take care of itself once the charge failed to post after several attempts. But I have never heard of a credit card volunteering an individual 's credit card information to a merchant, or anybody, for any reason. I find this disturbing, whether it is under the guise of customer service or not. 

I have since read, and been informed, that it is part of an " Account Updater '' service that appears to exist between merchants and the credit card issuer. This " Account Updater '' service applies to special " recurring '' charges, although these are not disclosed on monthly credit card statements, and the customer has no ability to opt out of the program. I asked my Discover rep on XXXX to opt me out of the program and to no longer disclose my credit card number to any merchant. I was told that this is not possible. 

While there may be instances where this type of service benefits consumers, I find it remarkable that the consumer is not directly involved in making this decision. Instead, the agreement is made between a merchant and a credit card issuer. According to my Discover rep, the consumer authorization must be part of fine print agreements when a consumer purchases a merchant 's service, on a recurring basis only. I have not verified this, but I would certainly not agree to anything a merchant puts forth to indicate their ability to obtain updated credit card information other than directly from me. 

Ultimately the protection and disclosure of a credit card number is an individual 's responsibility and right. As such, this program should begin with the consumer and should exist between the consumer and credit card issuer. The service, and use thereof, should have no bearing on recurring service agreements between consumers and merchants. While visibility and awareness of the program would be a vital first step, I would hope to see a restructuring that permits a consumer, as expected, complete authority of their credit card information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following negative account listed on my credit report does not belong to me neither where the inquiries authorized by me.
Product: Credit reporting 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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  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 or other personal consumer reports

I DO NOT RECOGNIZE THESE INQUIRIES AND I HAVE ASKED FOR THEM TO BE REMOVED THE CREDIT BUREAUS DID NOT DO AS I ASKED I AM PROVIDING AN IDENTITY THEFT REPORT WHICH I WILL ATTACH AND I AM REQUESTING THAT THEY BE REMOVED, AS THEY ARE INACCURATE AND DO NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

CACHLLC has reported inaccurate information. This collection agency is reporting that I have recently made payments when I had never made a payment to them because I do not owe them anything. The account states closed.This is fraud and inaccuracy of reporting. It is affecting my credit report negatively and that is why I'm filing this complaint