23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

For about a month I am trying to pay my loan via XXXX debit card, but the new website for Heartland ECSI is not allowing me to do so. I spoke to customer service and they told me that there was a problem with the website but 3 weeks have gone by and I still cant pay through the website. 

I filed a complaint with CFPB and in XXXX XXXX the company replied to me saying that yes, that payments with XXXX card using XXXX could be made. I have tried to pay again using XXXX and I still am not able to pay. I inmediatelly answered to their email but they have not responded, and I am still not being able to pay using my XXXX debit card. 

I now live in XXXX and I am very worried because I want to pay my student loans and this company is not allowing me to do so after they changed their website. 

I am afraid also that they will give me late fees because payments are not able to be made.
Product: Debt collection

I was contacted by this " attorney '', to help me settle a debt. I was told that if I did not make settlement arrangements that I would be served with court papers at my place of employment. Because he sounded legitimate, I made arrangements to make payments on the debt by giving him my debit card number. Upon speaking with my spouse, I found that I have never had an account with this alleged attorney 's client. I can not find this man listed on any states Attorney 's Bar list, however, the emails that they have sent clearly look like they are from an attorney 's office, and the gentleman did tell me he was an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a XXXX XXXX Police Report for proof that the following accounts and credit inquiries listed on my Equifax and XXXX credit report are fraudulent and is the result of identity theft : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XXXX XX/XX/XXXX. All of the accounts and credit inquiries are fraudulent, unauthorized and not my accounts or credit inquiries. Please review the attached XXXX XXXX Police Report. Police Report XXXX XXXX : XXXX. Please keep the attached police report on file.
Product: Credit reporting or other personal consumer reports

Dispute of Accounts Reported in 2024 Dear XXXX, I am writing to formally dispute all accounts listed on my credit report from the year 2024. I believe these accounts to be inaccurate or unverified, and I request that they be thoroughly investigated and removed from my credit file. 

Please provide the details of each account in question, including the name of the creditor, the account number, and any supporting documentation that verifies the accuracy of the reporting. I also request that you provide an update on the status of the investigation within the timeframe allowed by law. 

For your reference, I have included a copy of my current credit report with the disputed accounts highlighted. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I understand I am entitled to a resolution within XXXX  days of receiving this letter. Should the accounts remain unresolved or not be verified, I expect them to be removed from my credit file. 

Please notify me in writing with the results of your investigation. If you need further information or documentation, feel free to contact me. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Experian to resolve a {$13.00} discrepancy on my credit report. They asked me to submit a dispute, which I did. They said they looked into my dispute and verified the debt with XXXX, however, when I call XXXX to pay the {$13.00} on the account that I paid in full back in 2014 XXXX says they have no account with my social security number or name and do not have any records regarding accounts from 2014 that have been closed. Since I am not able to verify this account, or pay the {$13.00}, how has Experian resolved my despite? The discrepancy remains on my credit report and is derogatory. When I attempted to file another dispute it was rejected. When I called Experian they gave me the number to your office.
Product: Credit reporting, credit repair services, or other personal consumer reports

A checking account that was supposed to be closed, was not closed. As a result, I was charged fees for account maintenance. The monthly fee took the account into an overdraft status. The account was charged off. 

When I later went to open an account with the same bank, I was advised that I had a delinquent account. The management reversed fees. I agreed to pay half. They agreed to remove the reporting from XXXX consumer report. It also should be noted that the account was reported twice on my XXXX as well. So not only should the account not have been reported at all, but it should not have been reported twice.
Product: Debt collection

Collection Agency refused to acknowledge my Validation of Debt letter ( below ) and chose to have a Sheriff serve me with an Arbitration Summons hoping I would default in 20 days without answering them, which I in fact did on XX/XX/year>. 


RAS LaVrar , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> RE : Your Debt Collection letter XXXX XXXX XXXX XXXX Unsecured Credit Card Account ending in XXXX. 
XXXX XXXX XXXX as of XX/XX/year> : {$16000.00}. 
Your Reference No : XXXX Your letter dated : XX/XX/year> Dear RAS LaVrar , LLC : VALIDATION OF DEBT XXXX. Your claim is disputed, and validation is demanded. I require proof of who the personal guarantor of this debt is by sending me within 30 days, from the date of this letter, the original signed wet ink loan agreement of who is personally liable for this debt. 

2. Within the original loan agreement from XXXX XXXX, on file, there is an arbitration clause, so further collection of this debt is void without first completing Arbitration in the local XXXX XXXX XXXX XXXX in XXXX 

3. I am forever Judgement proof with zero assets, am currently retired and all my income is from social security, which is protected by Federal Law. 

4. If you continue your attempts to collect this debt or seek judgement for the payment of this debt, without first providing all accurate written documentation I have requested, you will be in violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). 

5. You must cease and desist all further collection attempts, including any contact with myself, others, or attempt to sell this debt ; or report this debt as delinquent to all business and personal credit reporting entities if you fail to provide the demanded documentation listed in this correspondence or a Class Action Lawsuit will be following within 60 days of the date of this letter. 


6. In addition, the above debt can not accrue any fees or interest beyond what is allowed by state law, or by contract with the original creditor. 


7. I demand proof that you are licensed to collect and practice collection law in the state of Pennsylvania. 


I look forward to receiving all the original wet ink guarantor agreement documents by XX/XX/year>, showing proof of your alleged debt that you are claiming I in fact owe. Bank statements will not be acknowledged. 

Any further correspondence sent must only be by XXXX Mail, with a name and signature, and not a template from your organization, or you will receive no further correspondence from me due to potentially fraudulent activity. 

This is an official letter, not a template and should be taken seriously and considered a legal document and will be filed with a motion to compel Arbitration. 

No attempt was made to safely seal your collection letter when sent and was available to the public for identity theft. If any identity theft occurs, your company will be held personally responsible. 


CC : File, CFPB Attachments : original copy of your letter. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called them several times to remove fraudulent inquiries I got on my credit report and they haven't done so, even tho they told me they were going to delete them within 24-48 hours. Here is the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

OnXX/XX/2021 Bank Of America closed my account and I was no longer able to access my money. It was determined that that there was an outside agency ( FBI ) who had a seizure warrant. However on aboutXX/XX/21 the FBI reversed the seizure and BOA is still refusing to give me my money back. They are claiming that it is in a harm hold status and I have hit a brick wall as it relates to speaking with anyone about my money. I had {$89000.00} taken from my XXXX XXXX Savings account and {$640.00} taken from my XXXX XXXX  Checking account. OnXX/XX/XXXXI received a letter from BOA stating that they have close my account and at this time, any remaining balance wont be returned to you as per their term in their deposit agreement. The stated that they have frozen the funds while they review transactions and validate the source of the fund. After this I received new statements from each account with XXXX balances. Since this time I have not been permitted to talk with anyone in the harm hold department. I can not get past the client protection department. I have made 10 calls only to be told that rep will email the harm hold department and I never hear anything back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Opened XX/XX/2018 allegedly owe : {$1400.00} I have been a victim of identity theft I have not opened a credit card account with this bank. I have filed an FTC report and now I'm filing this CFPB complaint as well to get help to dissolve this inaccurate information being reported and improve my credit file so I will be able to obtain the work and home opportunities, I can not obtain due to fraudulent, and inaccuracies being listed on my credit file.
Product: Credit card or prepaid card

On  XXXX   XXXX ,  XXXX  a charge of {$560.00} appeared on my Ba nk of America visa credit card statement. It was an erroneous charge that I had not made. I contacted the nu mber next to the charge on my credit card statement. It was a contact number for  XXXX . I informed them that I did not make this charge on my credit card. I have never had an account with  XXXX . I then called Bank  of America  to notify them of this bogus charge. The bank then eliminated the charge off my credit card statement. A couple of weeks went by and I received a package that I never ordered. It was a hair extension of some kind. I threw it away thinking that since Ban k of America  had eliminated the charge off my statement that the problem had been resolved. On  XXXX   XXXX ,  XXXX , I arrived home from work to an email message from Ban k of America sta ting that they had reinstated the {$560.00} charge to my account. I responded by calling the  XXXX  number again to try to extract additional In- formation from them. They divulged the business name, niquesboutique and customer service number  XXXX   XXXX   XXXX  to me. I immediately called this number and left a message about my predicament. A person named  XXXX  called me back and apologized for the charge. She said she would work to reverse that charge off my credit card account. We talked back and forth for a few days commencing on  XXXX   XXXX ,  XXXX  but nothing has been resolved about the charge. On Wednesday  XXXX   XXXX ,  XXXX , I called the Ba nk of America to fin d out why they had reinstated the {$560.00} charge to my account. I was passed through three employees at the bank. The third employee became hostile when I explained that I had not made this charge to my credit card account. He stated that since I received a package that I must have ordered the product. He seemed immune to the prospect that my credit card number had been stolen and abused. I have been with the Ban k of America cre dit card since  XXXX . Within that period of time, the bank has issued me numerous, about  XXXX  different credit card numbers, when they felt that there might be an issue with my card number being stolen and used fraudulently. As it stands right now, Ban k of America  has stated that they will begin charging me interest on this {$560.00} fraudulent charge. I am between a rock and a hard spot with neither the bank nor the merchant willing to acknowledge this bogus charge on my credit card account. Please help me.
Product: Credit reporting

There is item in collection on my credit report. The collection agency is called XXXX XXXX. Its for {$230.00} owed to XXXX. 
I have never had XXXX account. I live in XXXX and we do not have XXXX here. 
I have been trying to get copy of the invoice or some sort of documentation or proof of this invoice. XXXX is giving me run around. This has been going on since end XXXX 2015. I am at my wits end because I do n't know what to do. My daughter lives in Florida and has XXXX account. Maybe its from her, she still has XXXX and she knows nothing about this invoice. This is affecting my credit score which I have been working very hard to improve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent letters with identification such as social security and if. Informing equifax that I want a copy of my credit report. Still equifax has neglected to provide me with the copy. I even reached out to you guys confirmation # XXXX equifax lied stating that an unauthorized person was trying to access my account this is appalling and untrue and I will be escalating my complaint against this agency. Im once again requesting that equifax send a copy of my report per my authorization. Ive attached copies of identification as well
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am formally disputing several accounts on my credit report dated XX/XX/year>. These accounts contain derogatory, inaccurate information that has substantially harmed my credit score and financial reputation. In accordance with the doctrine of estoppel by silence as established in XXXX v. XXXX, Mo. XXXX XXXX. XXXX, XXXX, I state the following : " I have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo. ) XXXX XXXX. XXXX, XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. '' Disputed Accounts Negatively Impacting My Credit File I request immediate removal of the following accounts from my credit report due to lack of verification and their detrimental impact on my credit : XXXX XXXX Account Status : Collection/Chargeoff Balance : {$15000.00} Credit Bureaus Reporting : XXXX, Experian, XXXX Violation : Unverified debt with derogatory status affecting my credit score. 
XXXX  Account Status : Collection/Chargeoff Balance : {$110.00} Credit Bureau Reporting : XXXX XXXX : Reported as a charged-off debt, affecting my credit without verification of debt legitimacy. 
XXXX XXXX Account Status : Collection/Chargeoff Balance : {$1600.00} Credit Bureaus Reporting : XXXX, Experian, XXXX Violation : Account reported as charged-off, harming my credit rating without proof of validity. 
Request for Immediate Removal and Notice of Intent to Sue The inclusion of these derogatory accounts without verification constitutes willful and negligent reporting, damaging my credit score and reputation. I request the immediate removal of these accounts from my credit report. If these items are not promptly deleted, I intend to pursue legal action for defamation of character due to the unsubstantiated and harmful reporting of these alleged debts. 

Please confirm in writing within 30 days that these items have been removed. Failure to act will result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and further action in court. 

Thank you for your immediate attention to this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX, a balance transfer check was sent from HSBC bank to XXXX at my request, as HSBC was offering a 0 % balance transfer. Unfortunately, the payment address I provided was incorrect, due to the fact that HSBCs website asks for the provider address, not the providers payment address. I contacted HSBC by  telephone on the XXXX to find out if I could stop payment if it had not already gone out. Instead of telling me that the payment had gone out, the agent stopped payment on the check. Once she finally told me that the check had already gone out but she went ahead and stopped the payment, I became irate and told her that that is not what I wanted.She then put in a request to have the stop payment canceled. I called back a couple of days later and was told that the payment address was irrelevant, because the balance transfer should be processed electronically. 

I received a communication from XXXX on XX/XX/XXXX stating that my payment had been returned by the shore. I was then charged an NSF fee, my payment transaction was reversed, and I have accrued interest on that balance. I made calls to HSBC every few days beginning on XX/XX/2019. Each time, I got a new customer service agent who could not tell me what was going on with the balance transfer. They all said that they had no idea where the funds were, as it showed that the transaction cleared on their end. My most recent call to them was XX/XX/2019. Each time I called, the agent assured me that they would have it looked into and someone would call me back. I have never once received a return phone call from HSBC. Further, there is no way to upload any documentation when sending a message to HSBC to show that their own transaction had been declined. 

I sent an online message on XX/XX/2019 indicating that I would be filing a complaint. When I logged in this morning, my balance now reflect that the transaction was reversed, but the date of the reversal is listed as XX/XX/2019, which is false. I have also been required to make the minimum payment on the balance including the balance transfer, rather than my very small purchase balance. 

This erroneous charge and length of time to find their own money has affected my credit in that it has shown to balances where only one existed. It is also cost me extra money in fees and interest, payments to two credit card companies ( when there should have only been one ), as well as my time and stress and trying to get the issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed STERLING : Inquiry Date XX/XX/2018 XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXXXXXX XXXX i went to USA CHECKS CASHED to cash a check but they said it was too late to verify and to leave the check and they would verify it in the morning on the XXXX so they called me in the morning and said the bank needs to speak to me and to come in so i did and they took copies of the check and gave me XXXX and said they would call me on XXXX XXXX to pick up the rest of the money.They were charging me XXXX to cash a check for XXXX at first i agreed then when i got home i looked up what they are suppose to charge and i called them on XXXXXXXX XXXX and told them i changed my mind because that fee was too high and i told them i would be bringing the XXXX back to them and getting my check back cause i decided to cash it with another bank and they said it's too late they already deposited it and i told them that's not true cause the bank already had the check and i hung up. Then on the XXXX XXXX they called me and said that the check went through and to pick the money up and i said i already deposited it with another bank so i went up there to take the XXXX back and asked for my check and they said they already cashed it so i left and told them i would be back and i called the bank to see who had the check and i was told XXXX  XXXX XXXX had it, then on the same day they called me again and said the check returned and to bring the money back but my husband had suddenly died and i was distraught so i told them i would be there in the morning, the sad thing is that the check cashing place new the check returned on XXXX XXXX so why would they call me on the XXXX to pick of cash if the check already bounced and now they are trying to get me to pay them XXXX when i don't owe them anything and that is why i can't get my money.
Product: Debt collection

I am in a XXXX XXXX XXXX with XXXX assistance. My entire income is taken to pay the patient responsibility part of my bill. I can not make payments. I have explained this repeatedly.
Product: Mortgage

We refinanced with Intercontinental Capital Group XXXX Inc DBA Proven Mortgage last year in XXXX. Previously, we were making {$2100.00} payments on our new construction home for the year XXXX with a different mortgage company, with appropriate escrow included for taxes and escrow cushion. We were set up with the correct amount for mortgage payment, PMI, and escrow in our monthly payment with a little surplus to be sent back to us. Intercontinental Capital Group , Inc reached out to us with a refinance opportunity. We talked on the phone with an agent who told us that Intercontinental Capital Group , Inc could get us a better rate and lower our monthly payment to {$1600.00}. They did all the math to show us that this would be our new monthly payment. We now understand that they assumed the escrow payment to be only {$2300.00}, which is what we paid in taxes for only 4 months of the last year ( XXXX ). They did not estimate for the full year in order to show us a lower monthly payment and get us to refinance with them. If they had done the math correctly and had been honest we would have only saved {$80.00} a month and not refinanced with them. Once we completed the refinance, they immediately sold our loan and disappeared. We have contacted the number provided to us by the agent and Intercontinental Capital Group , Inc did not answer the phone and stated they had no idea where our refinance documents were or who serviced us. We now owe an unexpected {$7000.00} this year to make up for the escrow that was not calculated by Intercontinental Capital Group XXXX Inc and our new mortgage payment is not much of a better deal than it was before the refinance. We have been deceived and our escrow was mishandled leaving us in a difficult situation of paying out {$7000.00} which we do not have or paying an extra {$1000.00} a month which drastically impacts our quality of life with our two children. If we had stuck with the original mortgage company and did not refinance we would have been fine, but because we refinanced with Intercontinental Capital Group , Inc, we have financial damages to deal with for the year of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting Erroneous and fraudulent information violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Equifax because my character has been defamed and my information is being falsified. I demand that these inquires be removed immediately.

I am reporting on my own behalf. 


Inquires listed : 1. 
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