23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I DONT HAVE AN ACCOUNT NUMBER FOR THIS DISPUTE BECAUSE OF THE ARROGANCE AND CORRUPTION OF XXXX XXXX XXXX XXXX XXXX NEVER SAW ME AND THEY NEVER NOTIFIED ME OF BILLING AND HAD THE NERVE TO REPORT THIS TO A XXXX CREDIT COLLECTOR WITHOUT MT KNOWLEDGE OF EVEN A BILL LET ALONE A COLLECTION. I checked into XXXX XXXX Hospital ( XXXX, Georgia- XXXX County - corrupt Government Hospital minoritys preferred - XXXX XXXX over XXXX & this Hospital Administration is corrupt ) Emergency room and the wait was hours so I left. I never saw a nurse nor hospital employee to take vitals - nothing. These people ( this Government funded Hospital ) billed me without my knowledge ... never a mail notification sent to my home address, not a phone call - nothing. Then these nefarious Hospital administrators reported this to a credit reporting Agency without my knowledge. This is unacceptable and who do these wanton unlawful non-law abiding XXXX XXXX Hospital Arrogant Administrators think they are ... I mean  really??!!?? No notification to me personally at all? THIS IS CRIMINAL AND I WANT TO FILE A LEGAL DISPUTE FOR HARDSHIP AND DAMAGES. This is not the 1st time this has happened. Years ago I beat up by a thug and rushed to XXXX Hospital in a ambulance and was in traction. I have them my insurance via my employer XXXX XXXX XXXX in 2009 and these XXXX XXXX Hospital Government Administrators under the Obama Administration did the same thing.. this time for {$9800.00} - reporting to a credit agency unlawfully as I had medical insurance and was covered and they did not notify me of billing, any balances, nothing! These nefarious employees filed a credit collections against me and requested the Trump Administration to drain this XXXX XXXX Hospital swamp! Take this off my report please by informing them of this dispute with you and want to sue them legally if not resolved immediately!
Product: Credit reporting or other personal consumer reports

I am writing to formally request a complete discharge of all student loans and interest accrued on my credit report and studentaid.gov account due to breach of privacy and misuse of my educational information and access to unauthorized individuals without my permission. Under FERPA, I have the right to privacy and accurate record-keeping regarding my educational history. On XX/XX/year>, my personal, financial and educational information was accessed without my permission or knowledge of what it is being used for. ln accordance with FERPA regulations and consumer protection laws, I request:1. A full review of my student loan records that were improperly accessed by the Doge agency, which is a direct violation of record-keeping or data misuse. 2. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. Including a permanent deletion of accessed reported loan amounts or disbursements. I request written confirmation of the findings of this review within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Student loan

I am currently waiting to be forgiven with the Public Student Loan Forgiveness program. I had my XXXX payment month in XXXX of 2022. Was told by XXXX XXXX that I was to be forgiven but moved to XXXX  in XXXX. Since then, I have been waiting with little to no movement or communication and would like to have a better timeline of when I will be forgiven.
Product: Mortgage

i refinainaced a mgt and loan was paid in full XX/XX/XXXX i waited for escrow refund check which never arrived. i have placed many calls into to find out where check is with call dates and NO follow back from them. calls were placed on : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ( hung up on ) XX/XX/XXXX ( with MGR ), XX/XX/XXXX, XXXX, XXXX ( with mgr ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( with mgr ) XX/XX/XXXX was told check was cashed by someone else on XX/XX/XXXX i have sent in Affidavit of Unauthorized endoresment or atlered item on XX/XX/XXXX and was told check will be reissued and has NOT been. today was told would take XXXX months and still might not get escrow refund back.
Product: Debt collection

Your response to XXXX indicates that the {$2000.00} was for XXXX and XX/XX/2018 were delinquent! Claiming you did not receive my mortgage for those months. I mailed and faxed to your office in Oregon after receiving the threatening letter to pay {$2000.00} or my loan would accelerate? Of course, no one EVER received any faxes or mail forcing me to pay the {$2000.00}. I have attached my BANK proving AGAIN that XXXX and XX/XX/2018 mortgage were paid ACH! 

I want my {$2000.00} back! NOW this clearly indicates that the mortgage was paid in full {$1100.00} for XXXX and XXXX leaving my account OVER paid with money I borrowed and I want it ALL returned as it is not yours! 

This is not how professionals handle money! I have sent this also to Washington showing them that this account is paid and was paid in FULL when you threatened to accelerate my loan! An Audit on this account would show overpaid! The money you demanded ( that was not owed ) was paid by a cashiers check and I have proof it was cashed! 
IF I do not receive in full I will take this further since nothing is happening this route. 

XXXX XXXX # XXXX
Product: Mortgage

This is not a duplicate complaint. I am refiling this because I gave the wrong account number in my previous complaint and Well Fargo was unable to respond. 

I went 60 days late with my Wells Fargo mortgage on XXXX XXXX, XXXX. When I tried to make a payment online on or about XXXX XXXX, I could not log on to my WF Mortgage account. On or about XXXX XXXX, I received a Notice of Acceleration stating the entire mortgage balance was now due. I contacted WFM and after several discussions with several different people, I was told they could not help me and I was referred to their Home Preservation Unit. On XXXX XXXX, XXXX, they stated they may be able to help and I filled out the required forms and provided the supporting documents requested. 

On or about XXXX XXXX, XXXX I received a notice stating my home would be auctioned on the county courthouse steps on XXXX XXXX, XXXX. I contacted WFM XXXX XXXX unit several times and never got any answers, only to keep waiting for them to get back to me. In late XXXX I hired an attorney. After several attempts to discuss the issue with WFM, he got frustrated and said we needed to file suit. On XXXX XXXX, XXXX, 3 days before the planned sale, WFM advised they were unable to help me and my house would be sold. We filed suit on XXXX XXXX, XXXX and were granted a XXXX. 

At that point my lawyer was finally put in touch with their lawyers and discussions were more fruitful. In early XXXX WF lawyers proposed a final settlement that required we pay all past due payments, their legal fees, and that I would have to add escrow to my loan. They were to remove all reports of foreclosure to all credit reporting agencies. 

We paid the amount and everything seemed ok. We only owed about {$62000.00} on a {$110000.00} loan on a home valued at over {$300000.00}. Had I been upside down on the house it is doubtful WFM would have taken the actions that they did. We eventually sold the house in XXXX and paid off the mortgage. 

Now in XXXX, I am trying to get a new mortgage for a very modest home to be built on rural property we purchased with the sale proceeds. However WF is reporting that my account went 60, 90, and 120 days past due beginning in XXXX of XXXX, during the time they would not accept any payment, only the accelerated amount, and were reviewing my application for assistance. I do n't believe it is fair to report these amounts when I could not have made a payment and was waiting for them to decide whether they would provide a modification or other workout. I contacted all XXXX reporting agencies about this and they merely contacted WFM and was told the reporting was correct.
Product: Debt collection

On XX/XX/XXXX a collection was placed on my account from IC SYSTEMS. When I called I found out it was for a XXXX account I had back in 2018. Due to the pandemic I couldnt get XXXX on the line, they wanted me to use a self service option. So I called the collection agency back and told them I needed this collection of of my credit and I agreed to pay it for now and dispute it with XXXX later! I finally got a rep on the line with XXXX and she stated the chargers were from unreturned equipment. She found where the equipment was returned! The collection agency stated they will remove it in 30-45 days it should have never been on my credit. They never once even attempted to collect the debt prior to placing this on my credit. Last I spoke about this account I was advised I didnt owe anything!
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION KEEPS REPORTING BACK SAYING UP-DATED AND THEIR UP-DATES PUT MORE DAMAGING INFORMATION ON MY CREDIT REPORT. I THINK THE WORKERS AT TRANS UNION ARE TRAINED TO KEEP NEGATIVE INFORMATION ON AMERICAN 'S CREDIT FILES. I KNOW TRANS UNION SUB-CONTRACTS TO CALL CENTERS IN THE XXXX. 

I WANT ALL THE GAMES TRANSUNION IS PLAYING TO STOP AND THEY REMOVE ALL MY PAID OFF BILLS. 


Civil Penalty Fund Congress established the Civil Penalty Fund through the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 to provide compensation to consumers who have been harmed by violations of federal consumer financial protection law. 

When the Bureau collects a civil penalty through an enforcement action, that penalty is deposited into the Civil Penalty Fund. The money in the Fund is pooled and can be used to compensate victims who havent received full compensation for their harm through redress paid by the defendant in their case. 

In accordance with the Dodd-Frank Act and the Bureau 's Civil Penalty Fund rule , the Fund can only be used for two purposes : to compensate eligible harmed consumers and, to the extent that victim payments are not practicable, to provide funding for consumer education and financial literacy programs. If victims can not be located or it is otherwise not practicable to pay victims, the Bureau may keep the money in the Fund for victims in future cases, or the Bureau may use money in the Fund for consumer education and financial literacy programs. 

Learn more about how we determine victim eligibility Our work Victim payments The Bureau may make Civil Penalty Fund payments to consumers who were harmed by a violation for which civil penalties were imposed, and who arent otherwise expected to get full compensation for their compensable harm, as described by the rule. The Bureau hopes to make payments to all such victims, but whether it will be able to will depend on the amount of money in the Fund and other factors. 

Learn more about victim payments from the Civil Penalty Fund
Product: Mortgage

I am writing to complain about the practices of PNC Bank relating to a mortgage loan and the ability to resolve a deficiency. Due to the financial crash of 2008, my home value has suffered a loss of approximately {$300000.00}. I have been trying to sell the house for five years with no offers that meet the amount owed. I requested a modification and after the modification was approved the monthly payments were actually higher than the original mortgage. I maintained the payments through the trial period after which time PNC stated we could sell the house through short sale if necessary. We found a buyer, however PNC wanted more than was owed and declined the offer. The loan went into deficiency again and we eventually found another buyer who made an offer and PNC was informed of the offer and began the process for short sale. While in the process of short sale PNC submitted the loan for modification status without our request, knowledge or approval ( it was the same as the current payment with no modification ) and removed it from short sale status, resulting in a delay of the short sale approval process and then turned around and put it into the foreclosure process
Product: Checking or savings account

Supposed to be paid by employee, have yet to receive anything and keep being put off
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted this company about this debt they have placed on my credit upon reaching out to them I clearly stated to them that this is not my debt of {$210.00} that been placed on my credit. The company said they purchased this account from XXXX XXXX for a bill I owed I ask for the proof of this bill they just stated I needed to pay the bill. I have contacted this company again who than stated their was cable on in my name that was at a address I did not resign at I provided them proof and they still refused to remove this off my credit I have disputed this and just keep receiving the same letter that states they did Investigation and will not remove this debt.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There were fraudulent inquiries made to my personal credit. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! Names of the companies and dates of the inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Checking or savings account

To whom it may concern, On XX/XX/XXXX I deposited a XXXX  check at a XXXXXXXX XXXX XXXX  the bank XXXX mistakenly deposited the check into the wrong account. The check wasn't made out to that random account holder 's name and it bounced, and was mailed to this random person whose account the check was accidentally deposited into. 
Eventually the branch located the check and on XX/XX/XXXX they deposited the check again this time to my account. 
On XX/XX/XXXX the check returned by the paying bank for an unknown reason. I contacted TD Bank  and they told me to reach out to the individual who wrote out check. I wasn't able to reach the organization who wrote the check. The people who helped me receive the check in the first place spoke to the organization and were told that there was no reason for the check to return, and it seems that the paying bank returned the check because it was initially deposited into a different account and returned that made the paying bank believe that there was a problem with the check. 
As of now I didn't receive a new check and I'm not sure if the organization is willing the give me one, ( it seems that now they have more important causes than my cause ). Even if I get a new check, I understand it won't be the same amount as the check I got at first. I also had some additional expenses due to the return of the check.
Product: Mortgage

My provider is Panorama Mortgage Group LLC. They have two differnt locations. They switched me internally from one to the other. I have always made my payments on time through the website and have receipts to show it. They claim that the new office doesnt use the same oneline payment site and as such does not show my XX/XX/XXXX payment and my XX/XX/XXXX payment was not applied to my account until XX/XX/XXXX. 

They said they sent notice about the change from one office to the other and when I asked when it was mailed to me they said a notice was sent in XX/XX/XXXX via email and was never mailed. I do not have, nor signed up for paperless commnications and they have confirmed that they did not MAIL this change of service/new payment website to me. 

I have sent them a copy of the XX/XX/XXXX payment and the XX/XX/XXXX payment. They can not promise internal degragatory information will be removed and I have requested for the extra intrest that my account has accured to be removed as well and they said they cant do that.
Product: Credit reporting or other personal consumer reports

I have on multiple occasions disputed a XXXX XXXX XXXX XXXX REPORT ON MY CREDIT FILE. 

XXXX continues to hold me accountable for fraudulent transactions on a bank account I opened in XXXX. Within two months my account was closed after my debit card was stolen out of the mail. Someone rented a XXXX XXXX and made fraud check deposits and withdrawals at an atm. I disputed this activity and requested an investigation. 
XXXX, instead turned me into collections. 
Experian, dispute numerous disputes filed, identity theft. Gov and police reports provided, continues to keep reporting this derogatory fraud account from XXXX. 

In addition, I am in THE STATE OF WASHINGTONS ADDRESS CONFIDENTIALITY PROGRAM and have only a po box for mailing. 
The credit agencies keep posting my physical address on my credit file putting me in danger. Ive expressed the need for it to be removed. While they did remove it. I have been receiving mail from all my creditors now addressed to my confidential address.
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 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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I believe Mohela has mishandled my student loans and my eligibility for the XXXX XXXX XXXX XXXX XXXX. They have erroneously denied and/or processed my XXXX application incorrectly. I have attempted on several occasions to complete the required employment certification for XXXX. I worked at XXXX University from XXXX of XXXX through XXXX of XXXX, and currently work for XXXX XXXX XXXX XXXX, which I began in XXXX of XXXX and last certified on a XXXX form in XX/XX/XXXX. All of this employment was submitted in XX/XX/XXXX, at which point only my current employment was approved. I resubmitted my employment with XXXX in XXXX. I recently received a notice that my XXXX employment was approved, however when they approved my XXXX it appears they removed my employment at the XXXX XXXX XXXX XXXX. Previously, I had XXXX qualifying payments, XXXX through XX/XX/XXXX, however now it lists none, and states the reason is no employment was certified. The letter approving XXXX only has XXXX listed and not the XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$3700.00} XXXX account closed i contacted XXXX- closed paid in full still showing in my credit XXXXXXXX XXXX XXXX {$740.00} Date : XX/XX/XXXX no action taken i contacted XXXX XXXX- {$2000.00} Date : XX/XX/XXXX No action taken i contacted XXXX XXXX XXXX XXXX$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No action taken XXXX XXXX XXXX XXXX5900.00} XXXX No action taken i contacted XXXX XXXX XXXX {$120.00} XXXX XXXX XX/XX/XXXX no action taken i contacted
Product: Debt collection

there is a collection on my credit report from Summit Account Resolution for {$12.00}, XXXX from a Apartment Complex in MN. I do not have any family member in MN nor live there. I currently am a home owner in XXXX, XXXX. Someone has used my information at a apartment complex.
Product: Debt collection

This company keeps calling and harassing me. I advised them to send me a letter stating specifically what is owed and who the original creditor is. They state theyre not sending a letter. They also assume that Im XXXX XXXX, and try to verify the last four digits of my social security number and date of birth. I have asked them repeatedly to cease all communication and to only contact me by mail. I ask there address and they wont give that information, I asked to speak to a supervisor and they hang up. They even hang up as soon as I try to ask a question.