23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, FL XXXX. My ssn is : XXXX. 

I hold an account with Suncoast Credit Union in XXXX. My account number is XXXX. On XX/XX/XXXX XXXX a forged check number XXXX in the amount of {$1900.00} was presented and honored by the bank. As soon as I discovered the fraud in early XXXX, XXXX, I filled out an affidavit of fraud and took all steps required by the bank to receive my funds back. 

This account has never had checks issued to be used with it. The account has solely been used as a deposit account with electronic transfers out of the account along with the use of a debit card. Notwithstanding the fact that no checks have ever been issued for this checking account, the above referenced check was presented with an address unassociated with me, with a clearly forged signature, and made out to an unknown person. This could not have been a stolen check because none has ever existed for this account. 

I have had several similar issues with Suncoast which were resolved expediently. Those issues involved a money market account under the same account number. No checks were ever issued for that account either and the fraud was identical : unknown address, forged signature, and unknown person. At that time, despite my request that the account be closed, Suncoast assured me that I did not need to close the account and merely changing the suffix was sufficient. Obviously that was ill advised. 

I have been in contact numerous times to determine the status of the return of my funds. Each time I have been given the run around to the effect that they are processing the request. When I spoke to them this morning ( XX/XX/XXXX - more than 3 months later ) they claimed that they needed to do their due diligence and that they were extremely busy. This is unacceptable to me. This is clear fraud identical to fraud for which they refunded my funds within a couple weeks. They have failed and refused to refund my funds in a timely manner. 

The handling of this matter and the entire series of frauds committed on me has been abysmal. I have received contradictory advice from different representatives and different stories justifying Suncoast 's failure to return my funds. My entire family is leaving Suncoast over this matter. We have been with Suncoast for 30 years.
Product: Credit card or prepaid card

I went on Capital One website to request an credit line increase and was denied. I have a credit card limit that I pay off several times a month because the limit is small ( {$600.00} ) compared to my income ( {$180000.00} ). The credit limits as they stand do not statisfy my current credit needs. I understand that my credit score is only fair but I have income that I can afford and maintain a higher limit card. I contacted Capital One but I am always referred to the automatic system.
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 consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX AUTO Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

In XXXX, My parents and I had to apply for a private loan because my older brother and mother used up federal funds and/or they made too much money. I have just over 30k in a private student loan with Sallie Mae. I attended my college through summer of XXXX, paying out of pocket for the summer classes. I had every intention of returning to XXXX  to finish my degree once I was able to get my issues worked out. I was not working or barely working because my parents moved out of state ( far ) and in the country where jobs are limited. I had my loans on deferment for as long as they allowed. I was not unable to return to XXXX because they closed. My credits were not transferable and I had only finished my freshman year of college. I have tried to make arrangements with the loan servicer but every time I call they will not help me at all. I know that if a school closes, federal loans can be forgiven if you apply but my private servicer will not help me in any way. I went back to school for a bit but found an opportunity in skilled trades. I am just starting out and had to move for this job. I bought a townhouse, have a car payment, utilities, credit card payment, gas, food, a dog ( food, medical care ), etc and I live alone but am searching for a roommate unsuccessfully. I am unable to make {$400.00} plus payments a month and survive much less live. Also, I am behind 2 payments currently and my parents are co-signers and are not in a position to help me financially but it is also affecting their credit negatively. Please help.
Product: Student loan

On XX/XX/2019 I was approved for an income based repayment plan. The amount of my loans continue to rise as if theres no activity on my loans although the repayment plan is in place. The amount also fluctuate by the thousands monthly according to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX. Company Inquiries : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : US DEPT ED # XXXX
Product: Debt collection

I have never lived in XXXX Florida the name of the apartments is XXXX XXXX XXXX and i have never lived in XXXX or have shown any interest in living in XXXX I live in WASHINGTON in the city XXXX. I need this debt taken off my credit...
Product: Credit card

I had a reservation from XXXX XXXX and XXXX XXXX XXXX, with holds in the amount ts of {$100.00} and {$40.00}. Cashapp asked for documentation on letterhead which I did and they are still refusing to remove the holds. They are saying after 30 days they will investigate the hold. Even after 30 days there is no promise they will remove the hold.
Product: Credit reporting or other personal consumer reports

I Have 4 Inaccurate Late Payments On My XXXX XXXX XXXX XXXX I Made These Payments & It Was Rejected By Software Malfunction. I Ask That You Please Delete Those 4 Inaccurate Late Payments Off My Credit Report Please By Law. 

( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Those 4 Inaccurate Payments Are Stopping Me From Buying A Home. Can You Please Remove Those 4 Inaccurate Payments Asap. 
Thank you & XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian regarding their failure to respond to my dispute letter. On XX/XX/year>, I mailed a dispute letter to Experian via certified mail ( tracking # XXXX ), requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. 

To assist Experian in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill showing my current address. Despite this, I did not receive any response or investigation results from Experian. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation when the accuracy or completeness of information in a consumer 's file is disputed. It appears that Experian has violated my rights as a consumer by failing to conduct such an investigation upon receipt of my dispute. 

I am including a copy of the dispute letter I sent to Experian, along with proof of delivery, to support my claim. I am now demanding that Experian immediately and permanently remove the disputed items from my credit report.
Product: Debt collection

XXXX XXXX stated to me that I was committing fraud by not paying on this debt and that they are filing paperwork with the XXXX county courts. I do n't nor never did have the alleged account in question. They also disclosed my last XXXX digits of my Social Security Number to my parents and when I spoke to them they repeated it back to me again. There were told not to call myself and my parents house and the still did.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships wit
h a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to BBB and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Debt collection

My mother fraudulently opened a XXXX account sometime between XXXX and XXXX. I have tried multiple times since then to have the account closed and removrd from my credit history. Not only was it fraudulent created it's been over 7 years.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, XXXX, I was tricked by XXXX to take out an online auto title loan for XXXX} with a XXXX XXXX  interest rate for XXXX years. I was told over the phone that it would be XXXX XXXX APR but they never disclosed that was a monthly rate. Over the past XXXX months, I have given them over XXXX} and I still owe them XXXX}. I called them to dispute their illegal business tactics but with no luck. They did offer to lower my rate to XXXX XXXX but I would have to borrow XXXX more and extend my loan to XXXX  years. How are they still in business this has to be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to try and purchase a vehicle and they pulled my credit report they said they were only going to pull my credit report one time and they ended up pulling my report multiple times with other lenders. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX  XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XX/XX/202XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of the FCRA. I sent Equifax ( via certified mail ) multiple dispute requests dated XX/XX/22, XX/XX/22, and XX/XX/22. Each of those times Equifax said the results were verified or they modified the file as a result of the investigation. After 3 attempts of disputing and each time coming back verified, I exercised my rights under FCRA 611 ( a ) ( 7 ). I requested a method of verification along with a re-investigation. I stated that any automated response or e-Oscar verification was unacceptable. I listed the accounts in question and sent that request via certified mail on XX/XX/22. FCRA 611 ( a ) ( 7 ) provides A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Equifax did not comply with my request for method of verification. On XX/XX/22 I sent Equifax another letter via certified mail asking them to delete the accounts in question based on their lack of compliance with the method of verification. I asked them to do so within 15 days of receiving that letter. Equifax received that letter on XX/XX/22. As of XX/XX/22 those items remain.
Product: Debt collection

I never received a phone call or any written documentation from Company, I never such heard of Company until it was reported on my Credit XX/XX/2018. I have " NO CONTRACT '' with Company. Company need to provide me with a contract bearing my signature showing I have a debt with them
Product: Credit reporting 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 the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Remove Unauthorized Inquiries Dear TransUnion, After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete the items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Please remove these Unauthorized items IMMEDIATELY and send me a copy of my updated credit report. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the late payments showing on my account for Consumer ADJ which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Product: Debt collection

I recently decided to fix my credit DIY style, started by ordering my credit reports and looked at every account as if it was under a microscope. One by one I realized that re-aging of accounts was astonishingly prevalent and running rapid on my credit report. I couldnt believe it! Nevertheless I decided to contact the collection agencies to clarify the debt ( not verification or validation ), I didnt get very far as they could not or would not answer my questions. Thats when I turned to the original creditors for answers, they were able to answer every questions I had but, then another problem arose. The information reported by the collection agencies to the bureaus were different than what I was being told by the original creditors. Surly the original creditors will know Activity date, date the account was open and so on. 

I C Systems INC is the collection agency for the original creditor of XXXX XXXX XXXX XXXX. According to XXXX XXXX XXXX  as evident by the recorded phone call attached as evidence ( I live in a one party consent state- New York ). The Date Of Last Payment XX/XX/XXXX ( last activity date ), the Date Account Was Closed XX/XX/XXXX. According to the collection agency I C Systems the date of last activity is XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. I C Systems INC is re-aging the account, this is illegal. According to Fair Credit Reporting Act { FCRA } If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the CREDITOR FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. I have never had a bankruptcy. 
I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX Recording According to the recording the agent of XXXX XXXX XXXX XXXX XXXX states at ( XXXX timestamp of the recording ) that the last payment was XX/XX/XXXX in the amount {$120.00}. This date is the last date of delinquency ( known as the delinquency date or date of last activity ). However the I C Systems Inc is listing the last date of activity as XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. 

Lastly Ill like to discuss how re-aging hurts the consumer, and destroys their credit and reputation. It affects the consumer like myself credit worthiness much longer than it should. Uncollectible collections accounts forces the consumer to reluctantly and unknowingly settle the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Dispute Investigations : I am sending in a copy of the student loan forbearance approval letter from FedLoan Servicing. I highlighted the dates of the forbearance. The letter is dated in XX/XX/2017 which makes the forbearance retroactive meaning it applies to dates before the date of the letter. With that being said, all 11 accounts of Fedloan Servicing should reflect the true status of the account with Fedloan Servicing. The late payments status on all accounts should have been updated to current or deleted altogether. By reporting negative late payments while the account with Fedloan Servicing shows all on time payments is an example of inaccurate reporting which is a violation of the Fair Credit Reporting Act. I have disputed these late payments several times. However, your credit reporting agency, constantly verify the account as accurate when that is not true. How are you validating? Im pretty sure both, Fedloan Servicing and your credit reporting agency did not thoroughly investigate my dispute. Because of this both Fedloan Servicing and your CRA have denied me my right to have an accurate credit file with the bureaus. I demand that all Fedloan Servicing accounts be updated to show no late payments or deleted all accounts altogether due to negligence. 

Thank you