23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Good morning, We are selling our property in XXXX XXXX. We have a mortgage with Equity Prime Mortgage, who is based in XXXX. 

In the payoff letter they sent me, they have a line item for " Additional Fee of {$8700.00} '', with no further explanation. I've called every number I can find for EPM many times in the last 3 weeks to : 1 ) find out what the additional fee is 2 ) have them remove the fee 3 ) get a updated payoff letter I talked to many customer service people ( XXXX XXXXall center, and XXXX call center ). Finally, I found a number on the XXXX  website and was able to talk to " XXXX '' who escalated to " XXXX '' who told me the fees are mortgage cancellation fees and notary fees. I explained to them that for properties in XXXX XXXX, the mortgage cancellation is handled by a lawyer/notary, and the fees are paid out at closing by the seller, not the bank, and we have an invoice from the lawyer that will be sent to EPM with payoff funds. They insisted that these are their notary fees that they have to charge. I asked him to list out what the fees were, which he did, and then I proceeded to explain which of those fees are paid by us, the seller, at signing and settlement. He point blank told me that isn't how it works, and even if I got another payoff letter, the additional fees would still be on there. 

What this person refused to understand is that : 1 ) EPM automatically assigned THEIR OWN LAWYER/NOTARY in XXXX XXXX to cancel the mortgage. However, we chose a different lawyer to complete the transaction, as is our right. 
XXXX ) XXXX XXXX notaries are different that XXXX notaries, in that they have to be a lawyer to be one. Hence the larger fees. 
XXXX ) This " Additional Fee '' will already be paid personally by us at closing, as is proven by settlement documents sent with the Payoff Funds. So, these fees should be removed or refunded.

Long story short, EPM refused to remove the fees, and won't release my deed unless I pay the Additional Fees on the Payoff Letter, of which I've already paid. These actions are fraudulent, and the lawyer in XXXX XXXX and EPM is trying to steal money for services NOT rendered. 

Thank you. 
XXXX
Product: Debt collection

In XX/XX/XXXX I moved from XXXX, XXXX to XXXX, XXXX due to job change and put my home in XXXX in the market and eventually sold in XX/XX/XXXX. I called my cable services ( XXXX XXXX XXXX ; A/C XXXX XXXX XXXX ), and they came on-site to disconnect on XX/XX/XXXX and took one of the cable modems ( I bought the other one ) with them. 

I received my last bill showing after the return of the equipment and adjustment my final is a credit to me for ( {$20.00} ), copy enclosed dated XX/XX/XXXX.  However, within a month I received a revised bill dated XX/XX/XXXX showing that I owe {$110.00}. I called them number of times and have records of most of them ( e.g., discussion on XX/XX/XXXX Ref # XXXX ) and tried to resolve XXXX XXXX changed position that I did not return the modem and hence should pay for it. Finally, In XX/XX/XXXX they informed me that they will refer to a credit collection agency ignoring my offer to settle it for 50 % of the disputed amount ( their counter offer was 20 % ). 

Finally, I started receiving calls and mail from RGS ( a  collection services company, XXXX ; A/C XXXX ), after sharing my documentation with them ( see enclosed e-mail ) and number of discussions they advised me to work with XXXX directly, they are not authorized to accept my repeated offer to settle for 50 %. In my discussion with XXXX XXXX from RGS on XX/XX/XXXX, he agreed with my position after review of records I shared with them, and since then RGS stopped calling me. Last time I tried to make a final offer to XXXX was on XX/XX/XXXX (  XXXX ), and it was declined as well. 

I have had excellent credit history with NO previous record of non-payment or late payment, my FICO score until recently was around XXXX. However, since this SINGLE incident reporting it has dropped to XXXX. 

Requesting your review and assistance with this matter, my cell is XXXX.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX are not employing procedures to assure the accuracy of the consumer report pursuant to 15 USC 1681 ( a ). Nor are they complying with the federal the federal laws that govern them, I Recent viewed both of My full reports from Equifax and XXXX, it shows that both agencies are reporting inaccurate information that adversely affecting my rights liberties and pursuit of happiness. XXXX is reporting {$15000.00}. for credit acceptance account, and Equifax is reporting {$14000.00}. for credit acceptance. Both of them fall under 15 USC 1681 ( e ) ( b ) accuracy of report, Also reporting transactions between the consumer and credit acceptance is not a permissible purpose according to 15 USC 1681 ( a ) ( 2 ) ( a ) ( I ) and should be excluded from the consumers report. According to 15 USC 1681 ( b ) ( 2 ) permissible purposes a consumer reporting agency may furnish a report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. This is actual and constructive notice that you are no longer authorized to report this inaccurate information to my consumer report. This Inaccuracy in The reporting from bout agency has affected me in a negative way. I've been denied for products and services based of the in accurate information that is displayed on both platforms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute to Equifax, XXXX, and XXXX  on XX/XX/XXXX and have never received a response.
Product: Debt collection

I recently reviewed my credit file and noticed that a debt collector that goes by the name " Plaza Service '' was reporting a debt for a lending company by the name of " lendmark Financial ''. I was a victim of identity theft and this account was opened up fraudulently and was resolved with the original creditor. However, Plaza Service continued to harass me about the debt. The debt was reported by Plaza service to my credit file on XX/XX/2021.
Product: Payday loan, title loan, or personal loan

Good Afternoon, I am following up based on the information discussed on the phone call today with XXXX. 

During our conversation, I advised XXXX that the information you reporting to XXXX is inaccurate. Since XXXX, the account has been reflecting as a CLOSED CHARGED OFF, witha balance od {$320.00} suddenly ( today ) the account is showing as an OPEN account. Per XXXX, it should NOT have been reporting as a CHARGE OFF or CLOSED as it was only CHARGED OFF internally. XXXX also advised that the account should have always reflected {$760.00}. 

I advised XXXX that 1. I do not owe that amount. I had insurance to cover my purchase, your company applied a damage waiver of {$400.00} for the bed but could not cover the full amount due to XXXX XXXX admitting that the bed was damaged due to their employee not putting the bed together correctly ( please note that I continued to pay while you conducted your investigation ). XXXX XXXX is responsible for the remaining balance not me as the bed could not bed used due to their error. Your company began reflecting the account as a closed charge off with a balance of {$320.00} ( please see below ) and has done so for the last 4 years up until today. This was disputed because I do not owe and your company XXXX XXXX does, your company came back stating the information was verified ( please see below ). 

Today XXXX offers me {$220.00} to close the account, this is laughable because the account has already adversely affect my life. Please see snippets of how your company has been showing on my Credit Report. 

As a resolution, please update the account as paid/closed as soon as possible and send a letter via email confirming that this has been done to ( XXXX ). The information previously reported has negatively impacted my life and was being reported inaccurately ( this was admitted on a recorded conversation ) and I will seek to pursue Montary relief if this issue is not resolved. 

Additionally, this is bad business, also admittedly and proven by the damage waiver payment applied to the account there was damage done to the bed, it was not fully cover due to the issue/damage ( admittedly ) being the fault of the merchant not me. 

Please also be advise this company previously responded to an investigation that the account reporting as closed/charge off for {$320.00} was accurate. 


If you have any questions, please reach out to me at XXXX.
Product: Vehicle loan or lease

My interest rate on this loan is over 31 percent According to title 9, title12 of loan, chapter 1 of section 9:35 00 under the rate of interest can not exceed 12 percent per annum. Pursuant section 9:35 01, any contract agreed between the parties for the payment of usurious interest will result in forfeiture of the entire interested so contacted. Louisiana usury law
Product: Credit reporting or other personal consumer reports

One main account opened fraudulently in my name on XX/XX/2020 balance of {$18000.00}
Product: Mortgage

XX/XX/19 NOW THEY ARE SAYING WE ARE DENIED FOR ANY MODIFICATION BUT THEY SAID CONGRATS ON SHORT SALE OR FORECLOSURE THAT IS TERRIBLE AND SAD TO SAY THAT TO A PERSON THATS TRYING TO SAVE THERE HOME WHICH THEY SCREWD UP THE MODIFICATION DUE TO THE NOTARY I HAVE ALL THE RECORED MESSAGES FROM THEM THEY ARE FRAUDULENT AND LIARS IF WE HAVE TO FILE BANKRUPTCY TO KEEP MY HOME THEN I WILL
Product: Credit reporting or other personal consumer reports

XX/XX/year>2024 I mailed a certified letter to XXXX requesting that they provide me with proof of consent to obtain and furnish my personal info. I also requested that they investigate the matter at hand. 

I've also tried to dispute multiple times in the past other accounts on my credit report, and requested that they investigate the accounts but little to no change has occured.
Product: Mortgage

This is a complaint against Loan Depot. It is a long story but here we go, my husband and I purchased a home. The previous owner had a lien on the home because he took a loan for the installation of solar ( we did not know this at the time of purchase, it was not disclosed by the MLO ). This lien is charged to the property taxes and taken from the escrow account. The previous owner paid of the solar once our mortgage funded. Since the payoff was done after XX/XX/XXXX ( which is the cut-off date for Property Tax Assessment ), the tax assessor kept the charge on the Property Taxes even though the solar was paid off, hence double charging for that payment ( Once in the payoff and once in our property taxes. Which led to the lender, ( LoanDepot ) collecting that money from us, deducting it from my escrow account and paying my Property Taxes with that fee included. LoanDepot sells my loan to XXXX. I talk to the Tax Assessor 's office, and the county and they say it is the loan company 's responsibility to pay me back. I proceed to get the property taxes on my property, the release of the special lean, from both the solar company and the loan company ( XXXX and XXXX, on behalf of XXXX XXXX  XXXX, as well as a California Parcel Payoff Quote that reflects that the solar was being charged to my property taxes. I send this information to XXXX and LoanDepot ; XXXX  refunds their half of the fee almost immediately since they made the 2nd installment on my property taxes, but LoanDepot, who made the 1st installment, will not refund me. I have been in contact with them since XXXX of 2019, trying to settle this. They go without responding for months, they send me to different departments over and over again. It has been over 6 months now that I have heard anything from them. My husband is in the military and we are going to move soon, overseas and I can not have this unresolved before I leave. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 


ACCOUNT : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have my credit report free from inaccurate, outdated, or unauthorized information. Upon reviewing my recent credit report, I have identified several inquiries that I believe are either unauthorized or inaccurate and are affecting my credit score.

The inquiries in question are as follows : Rocket Mortgage on XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXX I did not authorize these inquiries, nor did I initiate any action that would have led to a credit check by these entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXXhas NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020, I had an appointment for a crown replacement that had cracked and was giving me pain. XXXX XXXX XXXX barely introduced himself before he jabbed me with a needle with no pre-numbing swab. He drilled out what he said was " decay under the crown '' and put in a new crown made in the office. No one adjusted the new crown before they sent me on my way to make an appointment to have it adjusted the following week. THAT IS NOT NORMAL PROTOCOL!!! 

Everything was very rushed and my anxiety was through the roof because it cost me {$1500.00} on the spot. I was offered no options for payments ( even though his site says they use XXXX XXXX XXXX ) except to pay it all at once right then and there. No estimate, no pre-approval with insurance, no nothing beforehand! 

After about XXXX hours of the visit, I had TREMENDOUS pain with this new crown... this was NOT my first replacement crown so I knew something was very wrong. I paid out of pocket for XXXX and XXXX dentists ' opinions and was shown the x-rays with decay XXXX didn't fully remove before putting on the new crown. As a result of XXXX 's rushed/shoddy work, I was told by those XXXX dentists ( XXXX opinions I paid for out of pocket ) that the tooth had to be extracted. Having it pulled was traumatic and cost me {$560.00} out of pocket and now I have no molar/crown at all! The only resolution I have is to replace the tooth. I received an estimate from a reputable dentist who said it would be approximately $ XXXX to replace this tooth!! 

So I contacted my bank ( XXXX ) to dispute the XXXX charge and based on my physical evidence and XXXX second opinions in writing and x-ray photos, they rescinded the charge. Thats great, except I have no molar/tooth there FOREVER and paid over {$560.00} for the tooth extraction, and an additional {$680.00} for second and third opinions/exams and x-rays. 

Then A YEAR LATER, this " zoology-degreed dentist '' placed the amount ( but made the amount {$1400.00} to keep me from utilizing small claims court ) into collections on ALL THREE of my credit reports WITHOUT A WARNING IN ANY FORM OF COMMUNICATION. I have been fighting with all three credit companies ever since.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting or other personal consumer reports

I was hospitalized due to XXXX on XX/XX/2022, and my health insurance expired while I was in the hospital. I was charged and billed {$4.00}, dollars, by the insurance company and my employer did not offer me XXXX or send me an election notice, I was not informed about XXXX and did not know how to apply for it. this medical bill was placed on my credit reports with XXXX XXXX, XXXX, and EXPERIAN, I challenged it, but the credit bureaus did not remove it, according to Federal Law employers have to provide employees with XXXX notice and election procedures, and I was not presented with notice, and this would make the bill placed on my credit reports wrong and the balances wrong. I would like this bill removed immediately causing me financial hardship. The account is listed below. 

XXXX XXXX XXXX ( original creditor XXXX XXXX ) ACCOUNT : XXXX Sincerely Yours, XXXX XXXX
Product: Checking or savings account

I lost my wallet at a gas station a couple weeks back and got charged at a place called XXXX XXXX  for a XXXX and some dollars. I made a dispute with chase bank and they told me someone confiscated my pin and card and they told me they will give me a temporary pin and card in the mail and give me a temporary credit to my account. Today I look and they denied my claim due to the person using my pin while doing the transaction. I was home sleep and they wont budge I offered to provided a police report anything and they still wont do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in prior disputes with XXXX, Experian, and XXXX. They have not responded. They are failing to respond to my request by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and C. XXXX, Experian, and XXXX have no reason to assume the request has not been from me considering all the information required to validate and initiate a request was included. I expect XXXX, Experian, and XXXX to investigate and complete their investigation procedures within 30 days of my initial retrieval of my request as according to the Fair Credit Reporting Act section 611 ( a ) Reinvestigations of Disputed Information ; which requires them to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date in which they received the notice of dispute from consumer. I expect to receive notice of any notice of determination within 30 business days after today as outlined in the FCRA section 611 ( 3 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  TX ) XXXX ... I C SYSTEM ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can XXXX account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.