23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This whole thing started in XX/XX/XXXX when we had a hurricane ( hurricane was actually in XXXX ). The bank was supposed to move 3 mortgage payment to the end of the loan. At first it seemed they did that but the all of a sudden in XXXX of XXXX even though I was paying the current payments they started to say I was behind 3 mortgage payments. So at some point I got a letter I can't remember exactly when but I got a letter saying I had to pay all 3 payment in full  by XX/XX/XXXX or they would be able to start to a foreclosure process. I sent the payment in and they credited the account on XX/XX/XXXX. So at this point I was paid up there was a {$0.00} balance past due. Then on XX/XX/XXXX they took out of my escrow {$1700.00} for foreclosure fees for an Attorney. I didn't find out about this until XXXX of XXXX when I got the end of year statement. At that point I called them and asked about this and they said that yes the fees should not have been taken out and they would be put back in. Well they never did that and they sold my mortgage to another bank in XX/XX/XXXX. So when I started to receive new statements I see in very small print this {$1700.00} in fees. I inquired about it with the new mortgage company and they took three months to tell me it was a fee from my old bank Santander. So I inquired at Santander and I finally heard back after another two months. They said it was Attorneys fees for foreclosure and so they weren't giving  me the money back but they didn't even address that I was paid up a {$0.00} past due balance when they took the money. I have written to them again and asked them to address why they would take the money when I was paid up with a {$0.00} past due balance but they haven't responded. I will include an attachment of the account statement where u can see the payment was received on XX/XX/XXXX and they took the money out XX/XX/XXXX. Clearly I would think it is illegal to take money out of a escrow for Attorney foreclosure fee when the past due balance is {$0.00}.
Product: Credit reporting

On XXXX XXXX, XXXX, I made arrangements with the following companies : XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX # XXXX to settle my outstanding debt with XXXX in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, XXXX and Experian ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that my Experian credit report was not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I filed a dispute with Experian Credit bureau and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX Experian has not removed any of the accounts from my credit report, they have not sent any documentation to support that they have ever fully investigated my complaint, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts between me, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX the debts are being illegally reported and are not mine once they accepted the terms of our agreement by cashing the checks. XXXX XXXX withdrew the money as an ACH from my personal bank account although I sent them a check via US Postal mail and they received a physical check. My credit bureau disputes are being ignored and my consumer rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong JEFFERSON CAPITAL SYSTEM company this is a written request for you to cease and desist all forms communication with me effective immediately.

12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

volenti non fit injuria Volenti non fit injuria is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine.

You JEFFERSON CAPITAL SYSTEM knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Absolute Resolutions Investments , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Absolite Resolutions Investments, LLC, I acknowledge receipt of your response to my debt verification request dated [ Date ]. However, the documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt collectors validation response, which must now include : The name and mailing address of the debt collector ; The name of the creditor to whom the debt is owed ; The account number ( if any ) associated with the debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided.

Your response dated [ Date of Response ] did not include any of the aforementioned details.

In accordance with the FDCPA, please provide the following : 1. The name and address of the original and current creditor ; 2. Verification of the debt amount you are attempting to collect ; 3. Documentation of any assignment from the original creditor, including my name and the original account number ; XXXX. All relevant information on the securitization of the debt and proof of its reassignment to XXXX XXXX XXXX, XXXX. 
Federal law, specifically XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX. XX/XX/year> ), and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount. 
Please refrain from accessing my credit report or reporting this disputed debt. Any mention of this disputed debt should be clearly noted as such on my credit report. 
I appreciate your prompt cooperation in this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

applied for wise credit card that comes with a {$200.00} bonus. I submitted my application in XX/XX/XXXX and received a denial letter dated XX/XX/XXXX. I immediately contacted the XXXX XXXX credit reporting company., who then sent me an outdated credit report. I then called them to state the errors on the report so they sent me a new & improved report showing no outstanding debt and any liens now outstanding, which is NONE. I then called/wrote wells fargo who said once a application is denied, it no longer is considered. My credit is excellent, there is absolutely no reason to deny me an account ... .except for discriminatory business practices
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy is listed on my credit report. I explained in detailed on my attached letter what exactly is going on. I only communicate in writing with the credit reporting agency in case I need to file a civil case.
Product: Debt collection

Dear Bank of New York, Good day! 

I want to know if I have unclaimed funds there in Bank of New York since I am the beneficiary of the trust funds of my fiancee. His name is XXXX XXXX XXXX XXXX XXXX And I want also to know if my trust documents are there. Because before he went to XXXX  he sent me a bank key of a safety deposit box. I did not claim it because the sd card that he sent me. I put it on my phone and there's someone steal my phone that time. And the trustee also don't contact me anymore. But aside from the trustee theres have a copy of the trust there in the bank and I want to know if it's there in Bank of New York. If there's have unathourised transactions under my name its not me. It's a scammer, stop it because even XXXX cent of it I dont receive anything since 2014. And I want justice. I want also to know the correct contact number of Bank of New York because everytime I search bank of New York in XXXX it keeps changing the mobile number. If there's someone will withdraw looks like him that's an impostor don't allow that person to withdraw from it. Because that's a scammer. I want also to know why Bank of New York becomes BNY Melon Corporation. Bank of New York is Incorporated not Corporation. I sent you thr evidence here. I'm from XXXX. Was hoping to hear back from you soon. Thanks.. 

Sincerely yours, XXXX XXXX XXXX XXXX # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX {$0.00} XXXX {$14000.00} XXXX XXXX XXXX {$1000.00}
Product: Debt collection

CheckRedi, the company that the complaint is written about has taken to deceptive practices, They fail to notify in writing about any debt, and commence with the harassing phone calls. When told to stop the phone calls, the phone calls actually begin to increase through the day. They claim to send their notices via email, which is not an actual letter. However, I have never received a letter from them, and have even checked my junk folder in my email. Their practices are deceptive, their agents make threats, and they run multiple charges against your bank account and add predatory charges to each charge. a XXXX dollar drink that was charged incorrectly by them resulted in XXXX dollars in fees.
Product: Bank account or service

Chase Bank accepted a {$3500.00} check for deposit which was made payable jointly to myself, my wife, and  XXXX   XXXX   XXXX   ,   XXXX  ( "  XXXX  '' ) as non-alternative payees, with an unambiguous " & '' symbol on the payee line.  XXXX  forged endorsements for myself and my wife and deposited the check without authorization from myself or my wife, in violation of California law including Californ ia Commercial Code Section 3110 ( d ).  Our insurance company wrote a letter to  XXXX   XXXX   XXXX   ( t he payor bank ) stating that I was entitled to {$1400.00} of the check amount.  XXXX   XXXX   XXXX  made a claim with Chase Ban k ( th e deposit bank ). On  XXXX   XXXX ,   XXXX  , Chase Bank improperly denied the claim on the basis of a purported and unlawful power of attorney. Chase Bank 's denial of the claim was an unlawful, unfair, or fraudulent business practice within the meaning of California Business & Professions Code Section  17200,  because in so doing, Chase Bank assisted  XXXX  in stealing my {$1400.00}. Under Californi a Probate Code   Section 4121, a p ower of attorney is legally sufficient only if it is acknowledged before a notary public or signed by at lea st 2 witne sses. The purported power of attorney which Chase Bank honored was not so notarized or witnessed. As such, under Califo rnia Commercial Code Section 3403, the  endorsements were ineffective. Chase Bank violated Califor nia Commercial Code Section 3404 ( d  ) by failing to exercise ordinary care in paying or taking the check with the forged endorsements and refusing to honor the claim. We have been trying to persuade  XXXX  to return the money for years, but  XXXX  refuses.  XXXX  has admitted that it signed our names despite promising to hold the check while we were resolving billing issues with  XXXX . There is no dispute of fact that  XXXX  signed our names.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX  XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

trans union has a.bankruptcy, on my credit report. virginia va. court did no send information its from, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ILLEGAL AND IMPROPER REPORTING ACTIVITY- REPORTED LATE XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX AND IMPROPER REPORTING ACTIVITY- REPORTING LATE, XXXX, AND CHARGE OFF- ACCOUNT WAS PAID IN FULL SUCCESSFULLY
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been endangered. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which 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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1400.00} ; If you 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 you to verify with 100 % accuracy that each itemis 100 % true, accurate, correct, complete & VERIFIABLE ). If credit Bureaus do not provide any records & claim these items are 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, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX Balance Owed : {$460.00}
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. 
XXXX XXXX  : account # XXXX, XXXX  : account # XXXX, XXXX  XXXX  : account # XXXX, XXXX  : account # XXXX, has violated my rights.

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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # : XXXX, Account # : XXXX, Account # : XXXX, Account # XXXX, Account # : XXXX, Account # : XXXX, Account # XXXX, Account # XXXX, Account # : XXXX, Account # : XXXX, Account # XXXX,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. 
BK OF AMER XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.
Product: Credit reporting or other personal consumer reports

Ive noticed several mistakes on my credit report, showing late payments that dont reflect my usual payment history. Kindly adjust these and update my account.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX XXXX regarding account number XXXX. I am being contacted by XXXX XXXX XXXX in an attempt to collect a debt that I do not owe. 

I believe this debt is inaccurate and does not belong to me. I request the immediate deletion of this debt from my credit report. Additionally, I ask that you provide details of any violations of the Fair Debt Collection Practices Act ( FDCPA ) that may have occurred, including but not limited to : Section 1692e : False or misleading representations in connection with the collection of a debt.

Section 1692f : Unfair practices in the collection of a debt.

Section 1692g : Failure to provide the required validation notice.

Please be advised that if this issue is not resolved promptly, I may have to take legal action, seeking {$1000.00} per violation, along with recovery of attorney fees. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you.