23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

There is a money judgement against me from JTM Capital Management LLC from what I believe to be a payday loan. 
I finished a Chapter XXXX bankruptcy in XXXX of 2018, I am done making payments and received all my court documents finalizing and closing this chapter XXXX, everything is in good standing. 
Under chapter XXXX bankruptcy payday loans are prohibited, this means this payday loan was taken out under my name, without my permission while I was still making payments under my chapter XXXX plan. 
I never received a court summons, have not been served any court hearing documents notifying me of any dates for a court appearance. 
I now have a money judgement claim under my name and fear that I will have wage garnishment without anything I can do to stop it.
Product: Credit reporting or other personal consumer reports

I NOTICED SOME ACCOUNTS THAT NOT ADDRESSED TO ME, XXXX DO NOT UNDERSTAND WHY THESE CREDIT BUREAUS ARE REPORTING THESE ACCOUNT ON MY CREDIT REPORT, THEY ARE NOT LISTED UNDER MY CURRENT ADDRESS, THIS IS INACCURATE INFORMATION THEY ARE REPORTING,, HOW ARE THESE ACCOUNT SHOWING ON MY CRDIT FILE AND THEY WERE NOT OPEN UNDER MY ADDRESS,, THEY ARE FRAUD ACCOUNTS
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute negative and erroneous claims that werent resolved. I respectfully request a review of the circumstances and request that this matter be resolved in a fair and just manner. 

Specifically, the nature of the noncompliance charge and the related allegations of negligence seem to have been based on incomplete or inaccurate information. XXXX, transunion & XXXX both has incorrect reports on my credit profile. 

To the best of my knowledge, I have fully complied with all relevant standards and regulations. 

I kindly ask that you reconsider the details of the claim, as I believe that the circumstances surrounding this situation have been misinterpreted. 
I look forward to your prompt response and a resolution to this situation Thank you for your time and attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. 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 you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX  XXXX Balance : {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX
Product: Student loan

I have spoken to Navient Student loans about my upcoming payment increasing. I am trying to get ahead of the issue and get the opportunity to stay in good standing with Navient on my student loans. They are telling me that there is nothing they can do to lower my loans, so, it ' like setting me up to fail and go into default. There should be some kind of program that they offer ( since they blame every decision they make on the Department of Education ) to allow a student an opportunity to pay less, even it's for a dated time. I am going through a hardship and if I am forced to make a higher payment that puts my housing in jeoparady, transportation in jeopardy, and then my job. I am not asking not to pay, I'm just asking for my loan payment to stay the same for a little longer until maybe I come up for a raise next year. Or something that could assist me to be able to increase my payment some. They make it difficult for students to NOT default. They don't really care if they survive or not, but, in order for a person to be able to stay in good standing, as myself, we also have to survive. Why is it necessary to have such strigient guidelines, it helps no one if the person goes into default. So, I am asking for a review of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is  XXXX   XXXX   XXXX . I was approached by a sales representative that attempted to sale me a service packet for   XXXX   while I was shopping at   XXXX   XXXX     XXXX  in  XXXX  Ga. I originally was interested and gave him my personal information that he said he needed to find out if service was in my area. I stated to him I did n't want him to make an inquire on my credit, because of the effect it could have on my credit report which I was in the prospect of re-building. He assured me it would n't be entered, he just needed it to call in to his office to get approval. He attempted to call twice and could n't get access on his internet. I then stated to him, maybe that 's a sign, we laughed and I told him I needed to leave and get my shopping done before my wife called to see what 's taking me so long, and maybe I would check back with him, which I did n't.   It was clearly understood I did n't want my credit processed. This inquire need to be removed without question. I would n't have never known, if not for my commitment to checking my report twice a ye ar (   XXXX  and  XXXX   ).    Thank you for your assistant.
Product: Student loan

I have contacted this company repeatedly to no avail. The payments they have on the account is not accurate. I have reached out only for them to tell me about public loan forgiveness in which I have not asked about. My loans were discharged in XXXX. I have attached the discharge below. The company tells me I have until XXXX. This is incorrect. They have refused to investigate and instead continue to receive payments along with interest added. In total I have paid over {$8000.00}. My bankruptcy has absolutely nothing to do with my Borrow Defense Discharge which is listed below. And it is the same letter my previous servicer has sent them. I have sent them this letter as well.
Product: Credit card

I am filing this claim against Capital One credit card. I was told they will no longer bill me a annual fee and my credit limit would be XXXX. My credit limit has not charged for an entire year. I am pretty upset by this. I used this card all the time and can not get the company to do what they promise to do.
Product: Credit card

Today XX/XX/year> I received an offer for a JetBlue Barclay credit card. On the flyer it clearly said 0 % balance transfer for the first XXXX months. It said that I was pre approved so it sounded like a good deal so I submitted there application through the XXXX XXXX. 
During the application process, it asked me for the names of the Credit Cards companies and the balance amount of each. Those were from XXXX XXXX, XXXX XXXX XXXX XXXX. I provided the information that they provided. and the hit submit. The amount that I requested to be transferred was {$6900.00} from XXXX XXXX, {$850.00} from XXXX and {$5200.00} from XXXX XXXX. So then I submit. They instantly qualified me for {$4600.00} which is way below my balance transfer. 
I called them immediately and told them that I did not apply for there Credit to get a balance, I did it for the Pre Approved credit balance transfer that they advertised. All the lady did in Customer Service did was she kept on explaining to me the benefits of Jet Blue rewards. I asked her many times to transfer me to a supervisor, because of what I felt was false advertisement. I kept explaining to her that I did not apply for more credit, I just wanted a balance transfer like the advertised. She kept advising me that your balance transfer was not approved, but you have {$4600.00} credit you can enjoy and then. Since she could not help me she transferred me to the application team who immediately transferred me back to Customer Service. So when I got transferred to the last person ( who I believe was the third or XXXX person I was transferred to, I just canceled the account they just opened. 

I am requesting that Barclay 's inquiry on my credit along with me canceling the their JetBlue reward, does not effect my credit due to their false advertisement. Like I said, they only reason I went through their application process was due to them sending me a pre approved letter for a balance transfer. ( FYI they only provided me with the last XXXX digits of the Credit Card, I tried to retrieve the whole number of the app but I could not figure out how to get it )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments.Pursuant to 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 


Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/2022 were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to get my weekly free credit report online as afforded to me by law. I've asked Equifax to fix this and nothing has been done about it. I am requesting that they fix this and allow me to access my free credit report online- NOT through the mail. I do not know what the problem is. I am including verification of my identity which I've provided to them multiple times. 

Thank you
Product: Mortgage

Have filed my application for loan modification, have had my case turned over to more than 5 different people, all telling me the same thing, do not send any kind of payment in until we contact you to let you know all of the information, before you know it I was receiving foreclosure letters
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX BANK XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX Owed : {$510.00} XXXX XXXX XXXX Balance Owed : {$53.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CREDIT XXXX  XXXX XXXX XXXX Balance XXXX : {$440.00} XXXX XXXX BANK XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$2.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$2100.00} XXXX  XXXX XXXX XXXX Owed : {$1100.00} - tied up XXXX XXXX  XXXX IN XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit card

XXXX opted me in to over-the limit charges of XXXX car without my permission .... 
much damage proceeds from this 2009 credit card act violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to sign up with TransUnion XXXX https : //XXXX 

Gave them all my personal information so I could get a credit lock - their web site just returns " we 're unable to complete your request, contact Support '' ; but, the Support page has no way to actually contact them OR cancel my account/remove my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of my information on my co sumer report had been updated since XXXX. I've had credit card accounts that has had all of the utilization paid down to XXXX for months now. Why aren't any accounts reporting on Equifax?
Product: Checking or savings account

We booked an XXXX XXXX. When we got there the XXXX  XXXX host was not answering and didn't provide us with a code to get in. We finally got them after an hour. It was late we all dried off and went to bed. Next day we were gon na all day. So third day in we noticed a lot of things wrong. I notified host told her the issues she said she fix for next guest. Called XXXX  XXXX they put in for a refund and a safety issue. We left the house but left some of our belongs. My handicapp and young son both couldn't stay in the house. Electrical wires all over yard. Not clean. Infested with bugs. I had sent all this proof to XXXX. Takes them forever to respond. Bottom line is the house was not was she said. Lots of issues. Chime denied my refund after receiving all the info. Not fair I was charged for a play for XXXX days and only stay 2. Then the host leaves a bad review accusing his of stealing. Which was completely untrue and I got her on a conversation lieing about it. Since we asked for a refund our account got closed and no further contact with a XXXX dollar credit on the account. XXXX XXXX is not fair and even they admitted the house was unsafe. Offered to move us out the night before checkout. Before our account was closed we rented a different XXXX. We get a notice at XXXX we r having a party to leave the house right there and then. We were in bed watching tv. I am disgusted with the issue. And now I am out XXXX dollars and I find chime and XXXX  XXXX wrong.
Product: Debt collection

On XXXX XXXX, 2016, the credit bureau XXXX notified me that potentially negative information had been posted to my credit report. I checked my credit report and found that JH Portfolio reported my account as " seriously past due date/assigned to attorney, collection agency, or credit grantor 's internal collection department, '' with the information " Terms '' of " 1 Month, '' and that it is an installment of {$410.00}. This company has not provided me with notification of the right to dispute before reporting to the credit bureau.
Product: Credit card or prepaid card

Stop closing this complaint as the company does not provide sufficient documentation of their claims. I ATTEMPTED TO ACTIVATE THE CARD VIA THE MOBILE APP. 

HOWEVER THE CARD DID NOT WORK WHEN I FIRST ATTEMPTED TO USE IT AND I HAD TO CALL CUSTOMER SERVICE AND WAS TOLD THEY SUSPECTED FRAUD. I WAS UNABLE TO EAT BREAKFAST THAT DAY AS THE APP TOLD ME IT WAS ACTIVATED ONLY IT NEVER WAS. 

I confirmed my identity as requested, even though I had already done that previously when applying and it should not have been approved nor supposedly activated if my identity was in question. WHEN CONFIRMING MY IDENTITY I ALSO CONFIRMED THE OFFER ON THE ACCOUNT WAS VALID. YOU CONTINUE TO LIE TO ME. 

Further, a reputable business would promptly inform the customer they were ineligible, not confirm they are eligible, then waiting until they meet the spending requirement, and then waiting again until they complain after months of not receiving the bonus.before then finally making up lies and telling them they were never eligible and in fact had been previously been informed ( A LIE ). 

THIS IS ILLEGAL AND CITIBANK SHOULD BE PROSECUTED. IT IS A CLEAR VIOLATION OF UDAP. 





I applied for an aadvantage gold credit card with citibank that advertised a promotional offer of XXXX bonus miles for spending {$750.00} within the first 3 months. I spent well over the required amount within the first month. More than 3 months later and I still have not received the bonus. When I contacted citibank I was told I had received the promotion previously and was not eligible. I have never had an aadvantage gold credit card before. I would like my bonus miles and an apology for false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to to see if you can help me resolve an issue I am having with the credit reporting bureau XXXX, Equifax, XXXX i recently requested a copy of my credit reports from each of the credit bureau. Upon receiving my copies I realize some inquiries on my report that i did n't do. I wrote several letters called several time and still the inquires has remained on my credit reports. The Inquires are XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX. I recently send out certified mails to each of these company and I have not heard back from them regarding these inquires. I am asking if you can step in on my behalf this is my last stop to see if I can have these information remove. The only thing they have done is erase the names, addresses, phone numbers, and the person had change around my social security number so they fixed it once i mailed over a copy of my ID, bill with my real address, & S.S.C. to them. They still refuse to remove the inquires that was on my report that i never applied for credit with these company. All the 3 credit bureau did is placed a FRAUD ALERT on credit report for 90 days. I am not understanding why they can erase all the fake names and addresses that the person was using to be me why the inquires ca n't be removed. Please I am seeking help from you or point me in the right direction to get this issue resolve because of all these things it is making it hard for me to really know which way to go. I am patiently waiting on your response. Thank you in advance for your help I really appreciate it.
Product: Mortgage

For 1 year now I have been trying to save this home I sent paper over 10 times they say they never got it I offered to pay house off they refuse to work with me
Product: Student loan

My husband is eligible for a refund for funds paid during the pandemic, and he is also eligible for a student loan forgiveness of {$20.00}. 

On XX/XX/XXXX, he called Aidvantage regarding his student loans and requested a refund, so that his loans could be reopened and he could apply for student loan forgiveness. The agent told us it would take 4-6 weeks, and that since we were calling XX/XX/XXXX, that he would receive the refund in time to meet the XX/XX/XXXX deadline to receive forgiveness without having to repay any student loan interest once payments resume in XX/XX/2023. 

It has been 7 weeks and we have not seen the refund. We called today, and we were told that it was originally 4-6 weeks AFTER their refund agents have approved the refund ( which we were not told ) but is now 8-12 weeks after the US Department of Education was sent the approved request We were also informed today that Aidvantage has not even reviewed the request. We suspect that they will not be reviewing it any time soon. 

Aidvantage has deliberately not processed this request. It has not even been assigned for anyone to review it at this time. We are concerned that this is being done in order to prevent my husband to apply for student loan forgiveness. We are also concerned that this delay will result in significant interest charges being assessed by Aidvantage, because the refund could come in well after XX/XX/XXXX, and they will be able to charge interest on the amount retroactive to the date that student loan repayments resume. 

The information that my husband received was incorrect. He was specifically told that it was 4-6 weeks after the request was submitted ( XX/XX/XXXX ). 

We ask that the CFPB intervene in this matter so that this student loan servicer can not continue to abuse it's position and cause further harm to my family 's finances.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the reporting of late payments on my credit card account, as reflected in my credit report. According to my understanding of the United States Code, specifically 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I kindly request that you investigate this matter and make the necessary corrections to my credit report. 
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 I have thoroughly reviewed my credit card statements and records, and I can affirm that all payments were made on time within the designated grace period as stipulated by my credit card agreement. Therefore, I believe that the reported late payments are inaccurate and should be rectified in accordance with the law. 

As per the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agencies to ensure the accuracy of the information they report. I kindly request that you conduct a thorough investigation into the late payment entries on my credit report. During this investigation, I urge you to consider the provisions outlined in 15 USC 1666b ( a ), which clearly state that late payments should not be applied to credit card accounts under open-end consumer credit plans. 
Please be aware that the inaccurate reporting of late payments on my credit report has had a detrimental impact on my credit worthiness and financial standing. I trust that you will handle this matter with urgency and attention to detail that it deserves.