23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I had my student loans with Citibank prior to XXXX when I started my XXXX  job until XXXX when I switched to a different loan company. Between XXXX and XXXX I had several conversations with Citibank representatives confirming my status in the PSLF program. Each time Citibank representatives reassured me that my loans were eligible for the PSLF program and there was nothing needed further on my part. It wasn't until XXXX when I learned that my loans weren't in fact eligible for the PSLF program because of the type of loans they were. I have lost out on several years of eligibility toward loan forgiveness due to the incorrect information provided by Citibank Staff.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a Credit Alert from Experian .com indicating that my XXXX XXXX XXXX XXXX XXXX XXXX Account Balance ( for my first mortgage ) increased to {$190000.00}. 

For the month of XX/XX/2022 my current Principle Balance for my XXXX XXXX is {$190000.00}, which is {$4800.00} less than what XXXX has inaccurately reported to the Credit Bureaus. 

On XX/XX/2022, my Credit Score decreased by XXXX points. 

I am respectfully requesting for XXXX to accurately and expeditiously report my Principle Balance of {$190000.00} to all Credit Reporting Agencies ; Expreian, XXXX, and XXXX so my XXXX Principle Balance, Credit File and Credit Score are accurately updated and corrected in all of my Credit Reports.
Product: Credit reporting or other personal consumer reports

I have made diligent attempts to address this matter by contacting the credit reporting agencies and the companies associated with these improper items. However, my efforts have been met with limited cooperation, and it has become evident that I require external assistance to rectify this situation. 

I am deeply concerned about the potential consequences of these inaccuracies, which extend beyond my financial stability and affect my overall peace of mind. I rely on my credit report to accurately reflect my financial history and to protect me from the adverse consequences of identity theft. 

I kindly request your prompt and thorough investigation into the improper items and identity theft concerns that have infiltrated my credit report. The impact on my life is substantial, and I am relying on your expertise to help me resolve this matter. 

Please provide me with a clear outline of the steps you intend to take to address these issues and the expected timeline for resolution. Additionally, I kindly request written confirmation of any actions taken to rectify the inaccuracies in my credit report. 

I am hopeful that your intervention will lead to a swift and satisfactory resolution to this matter. The inaccuracies on my credit report must be corrected, and I implore you to take this matter seriously. 

Thank you for your attention to this pressing issue, and I eagerly await your response.
Product: Mortgage

Ditech misappropriated moneys required to be sent to Suspense. Ditech claims that Suspense money could be transferred to unapplied funds and then put into Escrow and paid out. Detech, literally, NEVER disclosed this until the recent response to my first complaint. It is not legal. If there is a shortfall in escrow, I should be notified and given the option to increase payments in monthly installments. No mortgage company is permitted to simply " take '' thousands of dollars and pay what they want in order to " look better '' in the sale of my loan to loancare. I tried for OVER A YEAR to straightne this out. Ditech never responded. XXXX XXXX only responded in an XXXX letter.XXXX and DITECH lied to me over and over on the phone. Ditech : " We are still researching what became of that payment ... you should contact your new service provided, XXXX. No, we never reported any delinquency to XXXX. '' Then, XXXX, after lying since XX/XX/2019 and saying " we're still researching ''. Finally in XXXX, during a phone call ( so much wasted time ) they admitted the suplus money was taken a day after it was put into Surplus. The representative told me " that's Ditech '' ; you got ta call Ditech. These people are compulsive liars, professional bullies and TOLD ME THEY WERE ALLOWED TO DO THAT WHEN THE MORTGAGE, DITECH AND XXXX HAS A COMPLETELY DIFFERENT POLICY IN WRITING! See attached letter.Many of my credit cards have been downgraded and I, literally, can't get a personal loan based on XXXX report that I have been delinquent for over a year. Why are you allowing this to happen -- to just accept ay face value the lies they tell " we can send money to Suspense or Unassigned funds?! " Unassigned funds '' is NOT an account and has never been mentioned in the mortgage contract nor any communications with me by any loan company. I have paid every dime I was billed for. There is no legal authority for them to seize a partial payment from Suspense and drop it in escrow so they " look '' better.
Product: Credit reporting or other personal consumer reports

I am listed as the Guarantor on my daughters XXXX loan from Sallie Mae. My daughter is the Payor and when shes late on her payments it is wrongly reflected on my credit report. Ive guaranteed the loan and am not responsible for monthly payments. My daughter makes the monthly payments faithfully but sometimes late. To negatively report my performance on this account as delinquent is not true. Actually, the loan is being paid off ahead of schedule and better than most XXXX loans for many years. The only time Sallie Mae can accurately report my personal performance on this loan as delinquent is when or if I fail to guarantee repayment NOT for late payments. If Sallie Mae chooses to foreclose on this loan then I am responsible for full repayment. Sallie Maes derogatory report on my credit standing with regards prompt payments is erroneous and has most recently created issues for me with regards obtaining a desirable interest rate. Im doing my job by ensuring that my daughter will not default on this loan, but I am not responsible for making sure her payments to Sallie Mae are on time. Sallie Mae is hurting my reputation without any due process and unfairly representing the facts. They make more money when my daughters payment is late and they will be paid the full amount much sooner than demanded. When I reported this to XXXX they took numerous notes, but the answer that came back only restated that the information is correct. Thats not the point of the dispute. Only the Payor can be held accountable for timeliness of payments and not the Guarantor. The Guarantor guarantees that the loan will be paid and by definition only takes action as a final resort and only at the request of Sallie Mae.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized acquisition of my bankruptcy records, which I believe were obtained illegally by LexisNexis. According to 15 USC 1681a ( 4 ), I have the right to privacy regarding my personal and financial information, including bankruptcy records. I assert that the disclosure of these records to LexisNexis was not authorized by me, nor do I recall providing consent for this access. 

Please provide me with the following information to clarify this matter : Details of the Access : Information on how and when LexisNexis obtained my bankruptcy records.

Source of Information : The name of the entity or individual who provided these records to LexisNexis.

Verification of Authorization : Documentation proving that I authorized the release of my bankruptcy records to LexisNexis. 

Should you require further information from me to resolve this issue, please contact me at the phone number or email address listed above. I expect a response within 30 days from the date of this letter. If I do not receive a satisfactory response, I will have no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax received my claim, which disregarded and didnt act to remove the accounts from my credit report. These accounts are invalid items which do not belong to me. This is a violation of the California Credit Reporting Act and the FCRA. Please help me to remove this wrong information of my credit report. 

The accounts that are being incorrectly reported are the following : 1 ) XXXX XXXX, account # : XXXX, date open : XX/XX/XXXX, date closed : XX/XX/XXXX, balance : {$2200.00}, status : Charged Off. Incorrect last activity date. Incorrect high balance 2 )  XXXX XXXX XXXX account # : XXXX date open : XX/XX/XXXX, Date Closed : XX/XX/XXXX, balance : {$5200.00}, status : charged off. Incorrect last activity date. incorrect high balance. 

3 ) XXXX XXXX XXXX # XXXX, Date Opened : XX/XX/XXXX, Date Closed : XX/XX/XXXX, balance : {$11000.00}, status : charged off. Incorrect last activity date. incorrect high balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Credit Report Information Dear dispute company, I am writing to formally dispute inaccurate information on my credit report. After reviewing my credit reports from multiple bureaus, I have identified discrepancies that need to be corrected immediately. 
Inaccuracy Details : The account in question is Credit Acceptance Co. with the following details : Account Opened : XX/XX/XXXX Highest Balance : {$9500.00} Status : Closed Balance : {$0.00} Issue : One credit bureau reports that I have made 94 % of payments on time, while another credit bureau states that I have only made 42 % of payments on time and marks several months as late, including recent months in XXXX. This inconsistency is inaccurate and misrepresents my payment history. 
Additionally, my last payment date is incorrectly reported. One bureau states the last payment was XX/XX/XXXX, while another bureau shows incorrect or missing payment data. 
Request for Correction : I am requesting that your bureau conduct an immediate investigation under the Fair Credit Reporting Act ( FCRA ) and correct the inaccurate information. Please update my account to reflect the correct payment history and ensure it is consistent with the accurate records reported by the other bureau. 
For your reference, I have attached copies of my credit reports highlighting the discrepancies, as well as any supporting documentation. 
Please send me a written confirmation once this issue has been resolved. If further information is needed, I can be reached at the contact information provided above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

On XXXX, I received my annual escrow statement from Mr. Cooper mortgage company regarding loan # XXXX, for property located at XXXX XXXX, XXXX  XXXX, Texas. The statement indicated a shortage of {$3200.00}. This amount needed to be paid before XX/XX/2023 to bring the account current. On XXXX, I made an online partial payment to my escrow for {$1600.00} ( conf # XXXX ). I received an email confirmation clearly stating the amount and that the payment was designated for escrow. As a result of this payment the balance was {$1500.00}. On XXXX, I made an online payment for the balance of the escrow for {$1500.00}. I received a confirmation email stating the payment had been posted. This email was very vague in detail. It only contained the loan number and the date it was posted. IT DID NOT SHOW THE AMOUNT OF THE PAYMENT. I only noticed later. On XXXX, I check my bank account and found that Mr. Cooper had deducted {$3100.00} from my account. I called Mr. Cooper and spoke with XXXX who stated that the balance of my escrow AND my XXXX mortgage had been deducted from my account. We did a XXXX call with my bank and had the money refunded. I then went back onto Mr. Cooper website to pay the escrow balance of {$1500.00} only to find that the balance was {$2700.00}. I could not get an acceptable explaination from XXXX. When asked to escalate the issue, XXXX told me it would be XXXX hours before my call would be returned and that I would get the same explaination he gave. This is not passing the smell test. Something fishy is going on.
Product: Debt collection

I served as a guarantor on my former colleague 's apartment rental lease, for some reason my colleague owed the landlord ( XXXX ) a debt of {$220.00}. The landlord sent this debt to a collection agency without noticing me, and the collection agency ( Collection Service International ) reported this debt to the credit bureau without noticing me in advance neither. On XXXX XXXX 2015, I got a debt collection notice from the collection agency, I was told that this debt was reported to the credit bureau at the end of XXXX and had affected my credit history since then. 

I contacted them on XXXX XXXX 2015 and questioned why not notice me before reporting the debt to the credit bureau, they said they are not required to. I was also asking them to provide a written document that shows it 's not required to notice me before reporting to affect my credit history, they refused to do so as well. 

I am not very comfortable to bare the damage on my credit history without knowing what 's going on. No of the three parties ( my former colleague, the landlord or the collection agency ) have noticed me of this debt in advance.
Product: Debt collection

The XXXX XXXX XXXX telephone company has a subsidiary that offers television service called XXXX. They allege that I opened an account with them between XXXX and XX/XX/2020. They sent a report of a debt of {$1000.00} dollars to the 3 credit bureaus that affected my credit history in a negative way. On XX/XX/2020, I contacted the XXXX XXXX XXXX XXXX company to clarify the situation and let them open a fraudulent account in my name. They sent me an email. where they requested sentitive information that I did not want to provide me in which address the service was provided. Im a XXXX XXXX ( XXXX XXXX XXXX  ), and I drive all over United States. The address I use to receive my correspondence is my brother 's address. Most of the time I live in my truck.
Product: Prepaid card

I was gifted a {$40.00} sephora gift card. when i was gifted it, the code and number was NOT exposed. i scratched it off to see my balance on my sephora gift card, i called the number on the back of the card and they told me someone made a purchase XXXX XXXX i called to check the balance on XXXX XXXX i tried to make a purchase today for the first time and it said i had {$0.00} balance.
Product: Mortgage

Back on XXXX my mother XXXX XXXX XXXX passed away. In XXXX we were served foreclosure documents on this property. At the time the property had been through a fire and the reverse mortgage lender was willing to accept {$40000.00} to settle the debt on the house. I also have a copy of that appraisal the ( Reverse Mortgage Lender ) did at the time that advised me of what they wanted on the property. Even though the payout amount they wanted was fair at the time I could not get a loan because of the condition of the home. So I was left with the hard choice of having to file for bankruptcy in XX/XX/XXXX in order to save my home. The lender Reverse Mortgage Funding LLC agreed to be part of my foreclosure process in order to help me reorganize my debt. That meant a lot to me and gave me hope of saving my home. So I begin making bankruptcy payments in XXXX and everything was well until XXXX XXXX when the Reverse Mortgage Funding LLC said they made a mistake because they assume that I was the husband to XXXX XXXX XXXX and now wanted to get removed off the bankruptcy and start the foreclosure process again. I was told this information from my bankruptcy attorney. As you can imagine I was shock and totally blindsided by this information. So the Lender 's Attorney and my Bankruptcy Attorney was trying to come up with a plan to add me to the original Reverse Mortgage Loan. However, the Reverse Mortgage Lender said they could not add me to the loan. Also, this is not what I wanted to begin with because I had already taken of this debt by filing bankruptcy and having them included in my monthly payments. However, I was told that the Reverse Mortgage Lender plans on removing themselves from the bankruptcy and filing foreclosure documents against me and the estate. This is troubling because they are trying to go back on their word since originally agreeing to be part of the bankruptcy puts me in a bad position because I trusted them to follow what they agreed upon back in XXXX.
Product: Credit card

close the fraudulent account and send you a letter confirming that : the fraudulent account is not mines XXXX XXXX
Product: Debt collection

I received a letter from the law firm XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX stating my account from Capital One had been referred to the law firm for {$1200.00}. I mailed a written request for validation of this debt on XX/XX/XXXX. I received a letter from them on XX/XX/XXXX stating that my account was originally opened on XX/XX/XXXX and that their client has verified that the balance is correct and copies of billing statements from XX/XX/XXXX through XX/XX/XXXX. The problem is that I had two accounts with Capital One. One opened on XX/XX/XXXX and one opened on XX/XX/XXXX. These accounts had two different account numbers and two different amounts charged on them. The one that the law firm stated in their verification that was opened on XX/XX/XXXX is not the account number listed in any correspondence from them. The law firm filed suit against me on XX/XX/XXXX concerning this amount owed except I don't know which account it is since the date opened and account number do not match.
Product: Checking or savings account

My name is XXXX.I am writing to you with regards to an improper post death disbursement made by Chase Bank. 

My father, XXXX XXXX, passed away on XX/XX/2022. 

At the time of his passing he had a sole owned account ( with no designated beneficiaries ) at Chase Bank, with an approximately {$32000.00} balance as of the date of death. However in early XXXX nearly {$30000.00} was disbursed to an individual present at the Chase Bank Branch located at XXXX XXXX XXXX, XXXX, IL. 

My father died without a will and the estate was not probated, therefore there is no court appointed administrator to whom the funds could have been distributed. On XX/XX/XXXX I presented a small estate affidavit to Chase to receive the account balance and close the account, and was informed by banker, XXXX XXXX, there was a hold due to social security direct deposits. I checked back frequently for several months and learned in XXXX that Chase permitted someone to make an in-branch withdrawal of all but {$1900.00} of the balance. I contacted Chases executive office to find out what authority that person had to make a withdrawal from my fathers account after his death. Chase responded to my inquiry via voice-mail and provided no details except that [ Chase acted properly ]. 

Two weeks after receiving Chases response to my inquiry, I received a check from Chase for {$1900.00}, the few dollars remaining in the account after the unauthorized withdrawal was permitted. If the individual who was allowed to make a {$30000.00} post death withdrawal from my fathers account had authority to transact on behalf of his estate, why didnt Chase send that person the remaining balance instead of me? I believe Chase acted improperly by allowing an individual without legal authority to conduct a withdrawal transaction, and as such should reimburse my fathers estate and honor the small estate affidavit I submitted to Chase on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I voluntarily gave the car back. Told them to pick up the car from another dealership twice. They still never got the car and they froze my payments. Then out of no where decided to mark me as late payments or missing payments when I no longer have the car in my possession.
Product: Credit card or prepaid card

Chase opened a Chase Freedom Unlimited Card after applying and getting accepted for the Chase Freedom card. As per the terms I spend over {$500.00} to receive the equivalent of {$150.00} account credit. I always paid my bill on time. Nevertheless my account was closed by chase within two months. I was told I could still use the points I had earned. I made many attempts to use the points online starting on the day I got the letter that my account was closed. Despite continued on time payments I have made many efforts to use these points starting on the day the account was closed. I have been unable to use the points and recently they disappeared from my account. I called chase and was told I would be able to use the points starting the next day. The next day I got a letter saying that because the account was closed through no fault of my own I would not be able to use the points. Despite the closure of my account I continue to pay my bill every month in keeping with the terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously lived at My current Address is XXXX XXXX XXXX, XXXX, GA XXXX. 

The following addresses I would like removed from my credit reports : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX and Transunion XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX I have my ID with my address on it as well.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX : {$22000.00} ; XXXX XXXX XXXXXXXX Balance : {$5400.00}.
Product: Student loan

When my loans were transferred to the new servicing platform with Mohela they advised that my payment amount was different. When I called and spoke with them, they let me know that the information showing the different payment was incorrect and that they would get that corrected. This was not done. I called again, they apologized and said that this would be corrected. When I went online it showed that I only owed a lower payment of {$90.00}. I made that payment and thought that everything was corrected and that the {$90.00} payment was because of the error and that I wasn't charged interest. I see today that they have also taken out the payment amount that I was paying before about {$260.00}. I did have payments set up to pay in the future through the old platform but since we as the consumer can not see or go into the old platform they should not be taking payments from that platform. They also are not showing as pending on the new system. This is now the 4th issue that I have had with Mohela. When I call everyone is nice and professional but they clearly have no idea what they are doing with this system change. This is extremely harmful to the consumer. I have children, and taking an almost {$300.00} payment out of my account unexpectedly is really harmful to our well being. Something needs to be done with Mohela their systems are not doing what they are supposed to and it is hurting Americans. I am trying to pay my loans and keep moving and they are making it really hard. I also would really like to be able to see my previous payment history because I no longer have faith that my loans have been applied properly. This is very very stressful.