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

JP Morgan Chase uses algorithmic bias in processing loan applications and credit lending, which subjected XXXX XXXX to disparate credit lending treatment by failing to approve XXXX 's business line of credit under false and fraudulent pretenses. Disparate treatment occurs when a lender treats a credit applicant differently based on one of the prohibited bases. Federal and State of XXXX law  does not require showing that the treatment was motivated by prejudice or a conscious intention to discriminate against a person beyond the difference in treatment itself. Therefore, XXXX 's application for a line of credit on or about XX/XX/XXXX for approximately {$100000.00} was denied as a result of the algorithmic bias of JPMCB internal systems. The applicant 's credit score at the time was approximately XXXX or more. The XXXX XXXX XXXX Reform and Consumer Protection Act of XXXX further amended the ECOA and covers various rights of the applicant, such as data collection for loans of minority businesses, statute of limitations, etc. Thus, the lender violated the Equal Credit Opportunity Act, which prohibits discrimination in lending based on race, color, religion, national origin, sex, marital status, age, and more. This denial occurred as a result of XXXX XXXX 's race, national origin, color, and greatly disadvantaged business endeavors, as well as the personal life of the applicant in the refusal to adhere to credit law 15 USC 1681 and 24 CFR 201.22.
Product: Credit card or prepaid card

I CALLED AND SPOKE TO FRAUD DEPARTMENT AT DISCOVER CARD TO REPORT CHARGES THAT WERE PUT ON MY ACCOUNT FOR AMOUNTS OF {$4500.00}, {$960.00}, {$630.00}, {$1700.00}, {$200.00} THEY FILED A FRAUD COMPLAINT AND I DID RECEIVE THE CREDITS FOR ALL CHARGES BUT THEN THEY TOOK MY CREDIT BACK AND SENT ME A LETTER SAYING THAT I DID MAKE THESE CHARGES BECAUSE THERE WERE SEVERAL. I DID NOT MAKE THESE TRANSACTIONS AND I HAVE NEVER DONE BUSINESS WITH ANY OF THESE COMPPANIES.. I WOULD LIKE MY MONEY BACK AND TO KEEP MY REFUND THIS TIME. PLEASE HELP ME TO GET MY MONEY BACK FROM DISCOVER CARD.
Product: Debt collection

XX/XX/XXXX Federal Trade Commission Bureau of Consumer Protection Washington, DC XXXX Re : Complaint against a Debt Collector Dear Sir or Madam : This letter serves as my formal complaint against the abusive debt collection practices of CIR Law Offices XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX California XXXX. 

In XXXX of XXXX, CIR Law Offices began the following practices in violation of the Fair Debt Collection Practices Act : ( 1 ) Refusing to send any documentation of the debt-payment agreement, and failing to send any validation of the debt or notice of my right to dispute the debt.

( 2 ) Attempting to collect a debt past the statute of limitations in my state.

I understand that you can't represent me in resolving this matter ; however, I would like to report their activity so that you can take action against them if you receive numerous complaints.
Product: Checking or savings account

XXXX XXXX, a company that I have never been affiliated with has charged my checking/debit card {$99.00} for the periods of XXXX - XXXX. Totaling {$490.00} in fraudulent charges. I first contacted XXXX XXXX, who said I would have to deal with the business charging my account. I spoke with XXXX XXXX on four separate occasions, each time I was assured the matter was being taken care of, paperwork was being issued to my address, and the charges would stop. After months and hours on the phone with XXXX XXXX, I decided to reach out to my bank again ( XXXX XXXX ) to close my account to stop further charges. At this point the bank told me I had been misinformed and they would help me at this time. As of today, XXXX XXXX, 2017, the charges have been stopped and three of the five charges have been reimbursed. The additional two charges totaling {$190.00} were rejected for reimbursement due to the amount of time elapsed. However, I was within the 60 day limit from reporting the first charge both to my bank ( XXXX XXXX ) and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account multiple times with TransUnion and each time I submitted a disputed they verified the account as accurate. However, when I reached out to the credit union, they stated they only report to XXXX and sent me a letter in writing stating the same thing, which I have attached below. 

TransUnion is claiming to have done a proper investigation in accordance with the FCRA which they couldn't have done because the credit union has no proof or record of TransUnion reaching out to them to verify this account. So why is TransUnion verifying false inaccurate information and who are they verifying with since the original creditor, XXXX XXXX, has no record of them contacting them regarding this account. 

I recently had a name change, but prior to my name change I disputed this account multiple times under the name stated on the attached letter from the XXXX XXXX XXXX XXXX.
Product: Checking or savings account

1. I was alerted by XXXX XXXX XXXX and XXXX XXXX on XX/XX/2024 that 2 regular donation checks and their deposits ( from XXXXXXXX XXXX XXXX  were missing from their records. XXXX donations had been received which alerted them to the missing XXXX deposits. 
2. Two checks ( bound for The XXXX XXXX and XXXX XXXX ) issued by my local credit union ( XXXX XXXX XXXX XXXX XXXX - XXXX, OH ), in the amount of {$500.00} each ( {$1000.00} total ) were never received or deposited by any XXXX entities. I was directed by my local credit union to have the receiving entity ( XXXX ) investigate. 
XXXX 's investigation was completed on XX/XX/2024, and summarized via letter from ( documentation can be provided ). XXXX does not execute business with Wells Fargo and could not locate the missing {$1000.00}. 
3. Both checks were deposited into the same Wells Fargo account ( documentation of the account numbers and check images can be provided ). To reiterate, neither XXXX XXXX XXXX XXXX XXXX XXXX have accounts or accounting business with Wells Fargo. In addition, I do not have any banking business with Wells Fargo. 
4. On XX/XX/2024, I contacted Wells Fargo via their website instructions ( using XXXX ) and was told by a representative to report fraud to XXXX. I completed this report. 
5. My email received a bounce-back automated response from XXXX stating that " If you are a customer, this email has been provided to you in error. Please contact Wells Fargo Customer Service at ( XXXX ) XXXX '' ( the same number that directed me to send the email ). 

I am submitting this complaint to seek resolution with Wells Fargo.
Product: Debt collection

I already have XXXX mobile from XXXX 2022. the CCS credit collections service states I owe {$300.00} for canceled service I still my account and it is active already
Product: Credit reporting, credit repair services, or other personal consumer reports

I received copy of my credit report and i saw incorrect information. 
I have never apply for this company, i have no idea who is creditor, how is appear on my credit, i have never sign any contracts or agreements with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, & XXXX  have infringed my rights as a consumer and they are in violations of the following sections of the FCRA 1681i ( 6 ) ( b ) ( iii ), 1681i ( 7 ), & 1681e ( b ). 
On XX/XX/2020 i request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature for the following accounts XXXX XXXX XXXX XXXX XXXX Also to challenged the completeness & accuracy for the following account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed two FTC reports, the report numbers are XXXX on XX/XX/2021 and XXXX on XX/XX/2021, stating my card was stolen and the charges were fraud. Discover added remarks on my credit report stating the debt was " Charged off as bad debt - Dispute resolved ; reported by grantor. '' I have done another FTC report the report number is XXXX and it is attached.
Product: Debt collection

I sent XXXX XXXX at XXXX XXXX Hospital in XXXX, NC copies of my daughter 's Medicaid card for her XXXX XX/XX/XXXX. All the other providers ( aka, the surgeon 's bill ) was covered by Medicaid. Why XXXX XXXX purposely keeps losing my daughter 's Medicaid information is beyond me.
Product: Checking or savings account

I believe that NFCU is charging an excessive amount of fees and are not willing to waive that much but they did waive a few. I don't see how they can possibly believe their members can get ahead with so many fees. 

XX/XX/XXXX - Charged two {$29.00} NSFs ( total {$58.00} ) XX/XX/XXXX - Waived one fee of {$29.00} XX/XX/XXXX - Charged two {$29.00} NSFs ( total {$58.00} ) XX/XX/XXXX - Charged one {$29.00} NSF XX/XX/XXXX - Charged one {$29.00} NSF XX/XX/XXXX - Charged three {$29.00} NSFs ( total {$87.00} ) XX/XX/XXXX - Charged two {$29.00} NSFs ( total {$58.00} ) XX/XX/XXXX - Charged one {$29.00} NSF XX/XX/XXXX - Charged one {$29.00} NSF XX/XX/XXXX - Waived {$110.00} in fees XX/XX/XXXX - Charged XXXX {$29.00} NSFs ( total {$58.00} ) XX/XX/XXXX - Charged one {$29.00} NSF XX/XX/XXXX - Charged one {$29.00} NSF XX/XX/XXXX - Charged four {$29.00} NSFs ( total {$110.00} ) XX/XX/XXXX - Charged one {$29.00} NSF XXXX -- That means that since XXXX, I have been charged only {$630.00} in NSFs. That is way too much! Of all of that, only {$140.00} was waived. So, that means that I had/have {$490.00} owed to NFCU in less than two months. Currently, my account is so overdrawn that I have no idea how I'm going to pay it back, so I basically can't use my checking account at all. And these fees were only the last couple months, I've been charged way more in the last year, but my concern is more so the last couple months.
Product: Credit reporting or other personal consumer reports

This account is showing open and reporting late every month and this is a closed account. The inaccurate information on my credit report is misleading and negatively impacted my credit score. This company is also unlicensed to collect any debts from the state of New Jersey. As required by state law operating without a proper license is a violation of New Jersey debt collars and renders this companys collection activities illegal. I would like a cease and desist all collection activities related to this alleged debt and remove all inaccurate information from my credit reports regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report and observed that there are fraud inquiries on my Transunion report.This are fraud and unauthorized inquiries on my credit report as well that are negatively impacting me and credit report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX Also there is inaccurate late reporting on my credit reports for XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX and XXXX   XXXX Date Opened : XX/XX/XXXX. I was never late on this two accounts and I sent XXXX and XXXX letters and they stated they would send an update to credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Around 15 years ago I got copies of my credit reports from the 3 big ctedit beureas. They all showed me with credits cards and othet types of loans with addresses in North Carolina.I have never set foot in North Caroluna. I had previously been in a class action case against my employer XXXX XXXXXXXX XXXX. I was in because I was 1 of the 300 top wage earners in the XXXX XXXX. Our names address SSN # how much we made and more had been put out by a high level supervisor and it was posted on bulletin boards even put online. After 12 years of litigation were awarded XXXX dollars because they found no evidence of anyone harmed. Now after buying a XXXX XXXX with a slightly cracked taillight cover and having a very hard finding one. Nobody wanted to pass it inspection with red tape so i was stopped 3 times.all 3 officers asked if I was a registered XXXX XXXX.No.I asked why am I being asked this so i said if it shows that we need to fix it now. After awhile this officer said no it's avXXXX XXXX crom North Carolina. So i asked how are we getting mixed up. No answer was given. But still XXXX for sure and maybe others. I haven't even been able to look at XXXX   becauze I cant answer any of the 4 security questions. They tell me I have to provide documents to prove ive never lived there. What in the heck would that be. Looks like they should have to prove I did which is impossible beause i have never been even close. These Credit Bureau 's tag you with a # that affects almost all parts of your life. Insurane Companies.Utility companis loan everything a low # makes every far more than anybody else. I need some kind of documentation so I can get a new SSN #. Im sick and tired of fighting this XXXX for almost 2 decades. Help me and other Americans aho are unjustly being forced to pay outrageous amounts of money for things we need.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$160.00} XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX  XXXX XXXX Balance : {$58.00}
Product: Mortgage

Due to the coronavirus, I was quarantined home for 21 days during the month of XXXX, during this time I was not compensated in any way from my employment, as I adhered to the guidelines of the quarantine. Also in addition to that, the area that I live in was hit with multiple hurricanes and while recovering from that, then being quarantined, I fell behind in my finances in lieu of it and was late making my mortgage payment. The mortgage company reported a 30 day late payment notification to all credit bureaus and upon calling them told me that it was nothing that they could do about it. The late payment was in the amount of {$280.00} for the month of XXXX.
Product: Debt collection

I called National Credit Systems on XX/XX/2023 about a collection that is showing on my reports. I spoke with XXXX XXXX ( collection manager ). She explained the debt was from a previous apartment I had rented in XXXX and the charges were from carpet cleaning, I ask to see the billing statement from the apartment and pictures she sent photos only, I offered to settle the debt only if she agreed to delete the account of my credit reports, she said she could do that but refused to put it in writing. I told her I needed it in writing, she claimed she couldnt do that she could lose her job. She verbally agreed to delete but refused multiple times to put it on paper. She was very rude and talked over me, said that I wasnt worth losing her job over, she has kids she has to feed, and I could either take her word for it or it can just stay on my credit. She also claimed the phone call was being recorded, I find this very unprofessional they way she spoke to me and tried to belittle me. If she can agree verbally there is no reason she couldnt put the good will deletion in writing. I want this removed off my report asap and this company needs to be sued for the way they speak to clients.
Product: Bank account or service

It has now been 7 days past the deadline for Citi to honor their targeted promotion to me for opening a citi gold checking account and meeting all requirements which I have successfully done as confirmed by several representatives since account has been opened ( XX/XX/XXXX ). My offer was for XXXX Thank you points ( promotional code : XXXX ). My account was opened over the phone and confirmed I qualified for this promotion.
Product: Credit card or prepaid card

CHASE BANK-REFERENCE NUMBER XXXX I have called CHASE BANK , several times from XXXX, XXXX, and today XX/XX/XXXX, that I DID NOT APPLY for no CREDIT CARDS with them. CHASE BANK REPRESENTATIVE told me in XXXX, XXXX, and today XX/XX/XXXX, that they were going to file an IDENTITY THEFT. Unfortunately, NO ONE is listening to me. I am getting very tired of being harassed and possible this might end up on my credit report.
Product: Student loan

wells Fargo has denied my application for a cheaper payment, citing my cosigners income as the reason. My cosigner is actually in dire straits himself and is in the process of filing chapter XXXX. I ca n't keep making the payments they want ( 35 % of monthly income ), I do n't have the money to pay what 's past due, I ca n't adjust the payment amount and I ca n't ask my cosigne for money. I have no options and it terrifies me
Product: Checking or savings account

My stimulus checks of {$8000.00} was sent to my chime account and was cleared to be cashed ..shows in account but not on available balance and has t for two months now .I have verified identity and everything asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights . 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was effected with identity theft due to my illegally name change in the database system reported deceased illegally without a death certificate illegally data of birth change cause me to not gain credit assistance denied credit letting other companies gain credit card an mortgage loans in my name making my credit score to decrease to poor knowing I never had anything in my name identity theft I was effected in XXXX database identity theft never received my settlement if they can't provide 2 form identity card by government law name an an birthday incorrect they company 's that reported should be hold acceptable for the action should be deleted off my credit report I half to suffer knowing I get turn down because my credit is XXXX because other companies saying I owe them for stuff I never applied for my credit is in good standard I fill like I should fill a lawsuit against the them for allowing them to do that an report false information cause me to go through this stress I get denied credit from everyone can't even get a home loan due to poor credit for allowing them to be placed on my credit report knowing my data of birth is incorrect no debt no nothing with out identity cards on file thats the government law in the United States apply for credit u should have identified card on file nobody should use false information to gain credit in someone name
Product: Money transfer, virtual currency, or money service

I am a XXXX resident and a chase bank client. Someone wired a total of $ 32k from a Chase branch in XXXX using a fake ID ( that contained my name and address and incorrect XXXX ID #, expiration date, and photo ) to unknown recipients on XX/XX/21. Ive filled a fraud packet and sent Chase Bank all necessary items to file the claim. Chase has yet to credit or reverse these fraudulent transactions. This was a mistake done by their teller to allow such a transfer. Here is the Claim # XXXX
Product: Credit reporting or other personal consumer reports

I was the guarantor for XXXX XXXX rental he paid uptodate by the court Index XXXX case closed. 


I have no Rental agreement with them. 
and I withdraw my Guarantee. 

Topline is my credit report long time hurt my credit. 

This is harassment by company.
Product: Credit reporting, credit repair services, or other personal consumer reports

faxed two letters to Equifax to have a judgement removed. and it has not been removed.  XXXX  and  XXXX  have removed the debt. The debt has been paid and is no longer owed. I have my expungement letter.
Product: Credit reporting or other personal consumer reports

I received a credit report I noticed a lot of unauthorized inquiries all around The same that I have not done myself or been to these places I have not given anyone my information so someone else must have done it I ask at the time they be removed by law as inaccurate information and unauthorized use of personal information by FCRA Permissible Purpose law please look at my report & & remove these XXXX unauthorized hard inquiries on dates of XXXX & & XXXX and date of XXXX car dealerships all have used my report in some way reporting wrong information that I have not done myself if my information was in use it was not me I have made a report with the Federal trade commission about the scams and bad business being reported to my account. I asked that they all be removed and terminated it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX have violated the following laws : 15 U.S. Code 1681g, 15 U.S. Code 1681b, and 15 USC1681 ( c ) ( a ) ( 5 ).

I have mailed the attached letter over a month ago and have not received a response. Please remove the circled information in my attached dispute letter. I have not recieved a response from any credit reporting agency.
Product: Credit reporting or other personal consumer reports

Account number XXXX Information on this account is incorrect. Due to an unforceen Technical difficulty with my autopay I missed a payment in XX/XX/XXXX. I was unaware payment was not recieved because I was not notified. I continued to make on time payments for the next year unaware that every payment I was making was being counted as late because I was paying the previouse months past due amount unaware to myself. I was making my normal payments till I received a letter from a XXXX XXXX XXXX which is a collections agency informing me they are trying to collect a debt. I was not notified by lightstream that my account was even past due. Once contacted by the law firm in XX/XX/XXXX I immediately payed the amount of {$13000.00} to resolve the issue. I have yet to receive any answers to my question from light stream or from truist bank. I initially tried to resolve this issue directly with the lightstream and pay the full amount to resolve this but was turned down.