23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This Complaint is about Fraudulent Transfer of Tile to Real Property in which Schools First Federal Credit Union SFFCU Offered False or Forged Instrument for Filling and Recoding ( Cal Pen Code 115 ) with XXXX County Recorders against my legally owned property located in XXXX County, State of California, with intended to defraud and with parties, with no legal interest in the property, or authority to do so. On or after XX/XX/XXXX, in the County of XXXX , Schools First Federal Credit Union , did  unlawfully and knowingly procure and offer, or cause, a false of forged instrument, to wit : the TRUSTEES DEED UPON SALE in XXXX County Public Property Records .. On XX/XX/XXXX, in the County of XXXX, Schools First Federal Credit Union, did unlawfully and knowingly procure and offer, or cause, a false of forged instrument, to wit : COMPLAINT FOR UNLAWFUL DETAINER in XXXX County Superior Court to be filed, registered and recorded in the Public office within this State, which instrument, if genuine, might be filed, registered and recorded under a law of this State or the United States, in violation of Penal Code Section 115, subdivision ( a ), a felony. On XX/XX/XXXX, Schools First FCU, sent an email alleging, Schools First FCU Home Equity Line of Credit Statement, while claiming to be the owner of the claiming to have purchased the property on Auction under a fake created loan number. This fraudulent action scheme could have been carried out because I have a Home Equity Line of Credit with Schools First FCU, which I have been paying on since on or after XX/XX/XXXX, through a direct withdraw monthly payment schedule, dating back to XX/XX/XXXX and has not changed. On Friday XX/XX/XXXX, I found a Notice to Vacate my legally owned property. The Notice to Vacate appeared to be with a Void judgement from the Superior Court of California County of XXXX, with attached XXXX County Sheriffs Office, ( XXXX ) XXXX. No documents were attached to the Notice to Vacate to prove alleged ownership, by Schools First Credit Union, which can not be proven because the Judgement was void on its face. SFFCU acts constitute to unfair and deceptive practice. I own my property and I have the Grant Deed to my property to prove ownership. The Note the Deed of Trust Schools First claim to have obtained had no out standing Debt and the Deed does not transfer the property ; nevertheless, Tile or Deed of Trust together with the note by law can only be transferred by owner or it dedicated agent, and with documentary evidence to prove agency relation and certify the statute of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 us 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 three 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 21 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

My complaint relates to the way American Express investigated our dispute with XXXX XXXX XXXX ( XXXX ) in XXXX Missouri which started in XXXX of 2016. Now that the dispute is a year old American Express has closed it. Throughout the dispute process we were told to contact XXXX in order to come up with a resolution. WE attempted to do this. However, once American Express paid XXXX, XXXX would not return our calls, emails or snail mail. American Express sent us documentation sent to them from XXXX which appeared to indicate that we used the third party time share exit team XXXX XXXX XXXX. We were unable to use the XXXX XXXX exit process because XXXX XXXX asked us to sign a totally blank enforceable agreement form which we refused to sign. XXXX then told us that we could drop out of the process. So the amount of money that we charged on our American Express card - {$2.00}, XXXX which included {$750.00} for XXXX XXXX XXXX should have been refunded back to us. American Express did not do this because XXXX told them that we owed them {$2.00}, XXXX. XXXX knew that we did not use XXXX XXXX XXXX and when XXXX XXXX XXXX from XXXX was talking to us he referred us to another time share exit team, XXXX XXXX XXXX, also in XXXX,. So we opted not to use this group either. So we opted not to use this group either which according to Better Business reports, was under investigation. So we opted not to use this group. We tried to open another dispute with American express with the {$750.00} amount subtracted but American Express said it was too late that they had already paid XXXX. XXXX has our money which means that technically we are members of this group but they have not communicated to us in any way to even acknowledge that they we are technically members of XXXX even though we do not want to be members and only joined because we were told that this was the only way we could access the exit team that they could guarantee would get us out of our XXXX resort time share. Unfortunately, the XXXX promises that we were depending on were all verbal. We understand that according to contracts that we signed with XXXX we owe them some money but not the money that went toward a time share exit team that we clearly did not use.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Lexington Law Firm has provided the wrong information, and I need help fixing it for my credit.
Product: Debt collection

This is for an AAFES credit card for a debt from 2008 in which they did a wage garnishment from my husbands XXXX XXXX pay for over {$10000.00}. Now they are saying we still owe {$25000.00} for interest that accrued during the time that the garnishment was being paid. I sent them a letter along with a copy of my husbands orders and a Powers of Attorney in XXXX stating that my husband is currently XXXX and falls under the XXXX as AAFES has now turned the debt over to a 3rd party debt collector called XXXX XXXX XXXX . I just a got a letter today called a Notice of Intent to Initiative Administrative Wage Garnishment Proceedings ... .threatening to garnish my husbands wages again! When will this end and how can they garnish a soldiers wages when he is XXXX?
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please take a look at the documents? Some of the mentioned accounts are inaccurate, and this situation is unsettling for me.
Product: Credit reporting or other personal consumer reports

The information given is false and inaccurate and this account does not belong to me.
Product: Money transfer, virtual currency, or money service

I live in multiple countries. ( XXXX XXXX, XXXX & XXXX ). I travel allot since my business is located in XXXX. 

I used PayPal to transfer money between these countries, and then deposited the money into the local bank so that I have money available to use in that country whilst I am there. 

In early XXXX, I sent myself money from my XXXX  XXXX PayPal account to my XXXX PayPal account. 

When the money arrived, I noticed that PayPal had charged me a fee of XXXX for the transaction. PayPals website specifically states that I will not be charged for a transaction between personal accounts. I contacted the customer support, who agreed that there was an error and told me that they would refund the transaction fee. 

On the XXXX XX/XX/2022, I contacted them again to ask when they would be refunding my fee, and within two minutes, I received notice stating that they have seized all of my money and closed my accounts. 

On XXXX XXXX, I received a notice stating that my funds are available, and yet I am not able to get the money from PayPal into my bank account.
Product: Checking or savings account

I had {$800.00} withdrawn from my savings account and have not been able to recover my money. Chase had reversed the funds than withdrew them after they denied the claim. The transaction was made physically at a Chase branch location in the city of XXXX XXXX. There were 2 prior withdrawals made from the same location from my savings those 2 separate transactions were for {$1000.00} and {$750.00}. Chase reversed those transactions which were made in the same fraudulent manner. I have exhausted many hours calling them to try and resolve this issue. They requested documents from my employer regarding my work schedule to prove that I was at home working remotely when this transaction was done. I tried filing a police report and was told that there was nothing that they could do since it had to be filed by Chase. I've requested from Chase to review the ATM camera footage so they can see it is not me that made any of these transactions, to which I've been told they can't unless they get a subpoena request. I was told by the claims department that there are con artist dedicated to making copies of the ATM cards and since I had not changed my pin when i was issued a new card that's how they were able to do it. I was issued a card and I went in to a physical branch to have my pin changed. I have spoken to numerous Supervisors at the Claims department to be told that I need to take this outside of Chase to try and pursue getting my money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 items 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 cost to believe that the information is inaccurate Also, I never lived at these address 's 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 or know anything about them.
Product: Credit card or prepaid card

/I stayed at the XXXX XXXX XXXX XXXX XXXX weekend of XX/XX/20. The gentleman that checked me in charged my card but said that he just put a hold on the card. I explained to him that he processed a charge as the card said " approved. '' He then tried to charge it again in which it said, declined. I explained to him that he was attempting to charge my card again which is why it was reporting as declined. I pulled up my credit card history to show him the {$760.00} that was removed from my balance. I received a letter under my hotel door the night before checkout saying my card couldn't be charged. I went and spoke with the accounting personnel explaining to her that my card was already charged. After a very heated exchange I gave in and gave her another card to charge to check out of the hotel. My debit card was charged {$810.00}. I was told that the {$760.00} hold on my account would fall off. When I returned home, I noticed that the charge was still on my credit card for {$760.00}. I called the hotel back and was advised that it could take up to 10 days for the pending charge to fall off. On the tenth day, XX/XX/20, the charge was still on my credit card. I called back and spoke with a manager, XXXX, which advised, " unfortunately there is nothing we can do. It's up to the bank to release the charge. '' I called the credit card company on three way with her and which the rep said, " its nothing we can do, its up to the vendor to remove the pending charge. We can only dispute the item once it hard hits on your account. '' XXXX, with the XXXX XXXX XXXX nor the Citicard rep did anything to address this matter. The credit card rep said the only option I had was to wait until 30 days for the account to refresh itself, in which the system would still see the account pending, and " possibly '' remove it. Today is XX/XX/20, and as you can see, my credit card is still showing a pending amount of {$760.00} from this hotel. I am a XXXX Rewards member and have traveled all over the world and never experienced the incompetence to this magnitude. The hotel staff fails to digest the fact that they have ultimate charged me twice for this stay. A competent hotel team would know that once the hold is placed on the credit card, the final bill is then charged, only billing what is owed, not holding the visit on the card and then charging the visit to another card. I need this item addressed ASAP. We are in the midst of a pandemic, and my husband isn't working and I have {$760.00} held up on a credit card due to the lack of regard by this hotel chain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone logged into my accounts and possibly took some of my personal information. Lately Ive been receiving letters about opening new accounts. Today I recieved a couple of hard inquiries on my credit report from XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) that I have no knowledge of. I have not applied for any credit recently. With that being said I would like this to be removed immediately.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX of XXXX, I moved out of an apartment complex named The XXXX Apartments in XXXX, TX owned by XXXX XXXX. I received a Final Account statement on XX/XX/XXXX, for {$100.00} for the apartment cleaning fee. Due to my move, it totally slipped my mind that the balance was due, and the XXXX Apartments sold my debt to a collection agency. The Creditor 's name is Pro Collect Inc. Pro Collect placed the debt on my credit report on XX/XX/XXXX for {$580.00}. I have disputed this collection with all three credit bureaus at least three times, only to be told that if the creditor doesn't remove it themselves, then the credit bureaus can't either. 

I have sent documentation of the final account statement that the apartment complex sent me to the collection agency, and they still don't want to update the amount so that I can finally pay it off. I called back one more time to make sure that they received my email, and they confirmed that they did, but also added that the apartment complex told them that the amount is correct, when it is in fact not. I never received any other amount or notice from the apartment complex about a different amount. I have also tried reaching out to the apartment complex via email, and phone, but am constantly getting a runaround. 

The collection agency closed the account on my credit report for the same amount in XX/XX/XXXX. This issue is messing with my livelihood and peace of mind because I currently can not get another apartment until this issue is resolved. I am currently living with someone due to this.
Product: Student loan

I had attended XXXX and was forced to take out the XXXX loan to attend school. I had to take out a {$22000.00} loan with a 14.9 % interest rate and had to make {$400.00} payments while I attended school. I was enrolled from XX/XX/XXXX to XX/XX/XXXX. I was told by a few of my former classmates that they had received a reduction in their balance. I was curious what the criteria was to receive the reduction?
Product: Mortgage

XXXX XXXX XXXX recently helped in getting my mortgage payments and to help avoid foreclosure. I signed the agreement and recently got notified that my pension would decrease {$760.00} in XX/XX/XXXX when I turn XXXX. Caliber did help me in trying to keep my home but the payments were changed from the trial amount to {$760.00}. Since I am loosing almost the amount of my mortgage payment I will still be facing hardship. XXXX said I qualified for a $ XXXX payment. Will u please work with me and lower my payments. I bought the home in XX/XX/XXXX when my daughter was a baby so she could have a place to call home which I never did. I worry always about having to move and need your help desperately. Please help me.. Bless you
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Money transfer, virtual currency, or money service

This is a new complaint because my old complaint XXXX was not resolved and yet falsely closed. 
This is related to XXXX transaction XXXX 
Paypal/XXXX claimed that the transaction is complete and the funds have been deposited to recipient 's bank, which is a false claim. 
PaypaXXXX had made the claim multiple time, starting around XX/XX/XXXX that the funds have been deposited, again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX, without providing any evidence to substantiate their claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed all the proper documentation and reports regarding my identity theft situation and Equifax has not notified me of the investigation. Nothing has changed on my Equifax report or anything. Those accounts are killing my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent complaints about this matter than has been resolve only mad worst. I have an account on my consumer report that XXXX XXXX XXXX XXXX has yet to provide me with a contractual agreement, proof ANYTHING that I owe this alleged debt. Instead they submit to the credit bureaus a higher balance before. This company is hung up on me twice when I ask for the period that I owe because this I clearly FRAUD. I contact all THREE bureaus who all can not provide me with PROOF I owe this debt. Equifax sent me a copy of my consumer report as proof saying I owe they debt. They KNOW BETTER than that. A copy of my consumer report is not proof I owe a debt. No one still have sent anything providing I owe this debt. At this point I will be contacting my attorney if not handle in a fair matter.