23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is to follow up my Previous Complaints last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were 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 is not information relating to any transaction by the consumer. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the accounts ASAP : XXXX XXXX  XXXX, XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

I had a loan with XXXX XXXX that was refinanced on XX/XX/XXXX. On XX/XX/XXXX, the escrow company wired {$380000.00} payoff funds to PHH. We did not make the XX/XX/XXXX payment, so we called PHH to confirm if they had received the funds. They were not able to send confirmation and said that it would take XXXX business days to receive and apply the wire to our account. Since we didnt want to get a late credit report hit, we made an additional monthly payment on XX/XX/XXXX. 

As of XX/XX/XXXX, PHH had still not applied the payoff to our account, and we noticed only because I checked my online account to confirm the loan was closed. I called PHH to ask why. They told us that the funds were short {$2000.00} but they never contacted us or the escrow company nor returned the funds, they held to them. The amount that they say they were short is for taxes that they removed from our account but did not pay to the county, and furthermore, they had an additional payment from us, we are not short paid, they have excess funds from us. From XX/XX/XXXX to now, we have called numerous time XXXX both me and the escrow company ). We have sent them all the necessary documentation that the front-line customer service representative requests, but they do not do anything to fix the account and apply the payments. We were told that our case is with XXXX XXXX, the escalations manager and XXXX XXXX XXXX, the manager of the department. Every time I call for the last month, I get a promise that XXXX will give me a call back by the end of the day or even 48 hours and never does, it has been a month. As of now, I have not been able to speak to anyone that can give us a resolution. Not even a call back to say they are working on it ; they simply just do not call back. Also, as of now, even though I have asked multiple times that this should not be reported as negative credit, they have reported us late. It is very frustrating, and not sure if its even legal that they can keep such a big amount of funds in a suspense account and keep my account accruing interest and late fees.
Product: Mortgage

Solar Mosaic and their partner XXXX XXXX agreed to install solar panels on my house in XX/XX/XXXX for approximately {$130000.00}. XXXX installed panels on XX/XX/XXXX but never connected them or finalized the permit process. XXXX sent a fraudulent permit to operate to Mosaic in XXXX of XXXX. My electrical provider confirmed that no such permit was issued. Mosaic released all funds to the contractor without verifying with me that the work was complete. Contractor has not finished job and the XXXX XXXXXXXX XXXX is in the process of revoking their license. I have opened multiple complaints with Mosaic and then all have been closed without resolution. On XX/XX/XXXX I received an email that I had the option to request cancelation of the loan. Which I did. I spoke on the phone with one of their representatives on XX/XX/XXXX and XX/XX/XXXX and was told that because of my situation I was eligible for cancellation and that I would receive follow up via email. The only follow up I have received is Mosaic hounding me for money because I have not made any payments towards the loan.
Product: Checking or savings account

On or around XXXX XXXX, 2017 I opened a checking account with US BANK in XXXX, Ohio. 
I made a few small deposits into the account totaling around {$730.00}. 

I made a transfer of funds to another bank and was billed by mistake from XXXX. 

I then noticed US BANK reordered cleared transactions aka stacking to intentionally overdraft the account multiple times for the same charges. 

After much debate I cleared the charges with the account manager who made it seem like she was doing me a real favor eliminating {$72.00} in overdraft fees which I should not have received. 

A few days later XXXX XXXX mistakenly charged me twice for the same meal. 

As a result the Algorithm reorganized and reprocessed nearly 8 charges with 8 over draft fees of {$32.00} each for a total of {$250.00} SO FAR. 

I was made aware by a teller that I would be charged an ADDITIONAL {$25.00} fee for each overdraft fee or {$200.00} bringing the total to {$450.00}. 

The charges that were reorganized were processed from largest to smallest to create the greatest over draft fees. 

So a {$8.00} trip to XXXX XXXX now costs {$65.00}. 

This is my second attempt at using US BANK. Years ago they used a similar tactic to over draft my account, then sold my identity to an identity thief posing as a debt collector AND ANOTHER identity thief posing as a XXXX employee. 

This is a very sad and pathetic attempt from a business to make money. 

I would happily use this service if it were honest, however it is clear this is a complete money grab scam. 

I used the funds in the account to open a secured credit card with US BANK, which I will now be canceling. 

I plan to write US BANK executives, Attorney General, FBI, SEC and other regulating authorities. 

AGAIN THIS IS JUST PATHETIC!!!!!
Product: Checking or savings account

I opened an online checking account with Suntrust Bank on Sunday XX/XX/2021. On Monday XX/XX/XXXX I went into the local Branch located at : XXXX XXXX XXXX XXXX, NC. On that day I met with a bank representative who suggested that I open a money market savings account so I did. I made my first deposit into the checking account in the amount of {$500.00} cash. I returned to the bank on XX/XX/XXXX with another cash deposit of {$500.00}. On XX/XX/XXXX at XXXX am I made a cash deposit of {$1500.00} and I returned later that day with another {$1500.00} deposit via check that was made out to me as a personal loan from XXXX XXXX XXXX, XXXX. After receiving my debit card in the mail on XX/XX/XXXX I went back to the back and made another {$500.00} deposit. I left the bank to see if my card was activated and found out at that point my account was frozen. To my surprise ... ..especially since the bank continued to take my money for 8 days straight and never once said there was any problems with my account. 

On XX/XX/XXXX I had a payroll direct deposit of {$1200.00} that went into that bank as well to total {$5700.00} No one from SunTrust Bank will give me any answers as to why my account was frozen and why they continue to hold my life savings. I am a XXXX years old XXXX man trying to nest egg money to survive throughout this pandemic and this bank has taken every dime that I have without due process. After some deliberation I didn't know what else to do except perhaps notify the local media in hopes in getting some answers. Which is why I pray that your agency can help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

contacted citi bank about a email i got on XXXX XXXX email from XXXX and citi bank .Stating I HAVE FUNDS Aa over due payment USD XXXX CITIBANK. I SHOULD CONTACT Citibank contact CITIBANK XXXX XXXX sq. XXXX, Kentucky XXXX XXXX XXXX XXXX XXXX XXXX email XXXXXXXXXXXX web site www.citibank. com wanting my info end of letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX., dc XXXX XXXX, XXXX I called Citi bank number asked for fraud dept. They put me thru to a foreign country, they asked me for my dept card number they did not understand me. i ask to be transferred to a XXXX XXXX. Real bad could help me they me another number for fraud. This was the XXXX .THEY TOOK MY INFO .REF NUMBER XXXX XXXX said i should let you know. ps DOES ANYBODY CARE XXXX XXXX XXXX thanks
Product: Credit card or prepaid card

An extra payment was made and I requested to have it applied to my XXXX promotional purchase. It was denied being allocated because its less than the minimum payment. I made XXXX payments in XXXX the minimum ( XXXX $ on XX/XX/XXXX ) AND an additional {$500.00} on XX/XX/XXXX. The {$500.00} paid on XX/XX/XXXX I requested to be put towards the promotional balance ending in XXXX. I made an extra payment specifically for that balance and was told it couldnt be allocated because I didnt make the minimum payment, but I did!
Product: Credit card or prepaid card

I have been disputing some fraudulent accounts with synchrony bank, the accounts are XXXX XXXX, XXXX credit card and XXXX club credit card. The company has removed a couple of accounts that were fraud but still yet have not removed the others. I have not applied for any of the accounts that they say are mine and have tried to contact the person whom sent a letter stating to contact her about this matter. I have contacted the person who sent the letter who name is XXXX XXXX Senior Specialist of the corporate consumer relations. I have contacted her four times and left messages but non of my calls have been returned to resolve this matter.
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 15 USC 1681. 


Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX 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 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 item 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 cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Hello a company named Net Credit illegally and fraudulently attempted to process a loan with my name, birth-date, email address, social security number, and fake address on XX/XX/year>. The application information was clearly fraudulent because the street and address was not associated with the city and state the application cotained. The company attempted to complete a loan application without my signature or permission. The fact that the phone number, address, and city were not real should have been an immediate red flag and that it was fraudulent. Yet Net Credit continued to process the application and attempted to extort me. As soon as I became aware of the fraud ( On XX/XX/year> via an email ) I contacted the company Net Credit and verified my personal information with them. They refused to work with me and stop the application process that day. The customer service agent was very hostile and unhelpful. After a week of waiting I was finally able to speak with a supervisor and cancel the application. In the meantime Net Credit is refusing to remove the credit inquiry from my social security number. It is my opinion this company is fraudulently attempting to use my personal information and to get a fake loan in my name. Account number for reference Account # : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a letter to the credit reporting agencies requesting a validation of the debt showing on my consumer report from XXXX XXXX XXXX. I have not received any response from Experian, XXXX or XXXX. In my letter, I mentioned that I have no knowledge of a debt that is owed to XXXX XXXX XXXX. I have reached out to XXXX XXXX XXXX as well on XX/XX/XXXX requesting that they validate the debt by providing the verification of debt, Proof of assignment, complete payment history, as well as Proof of License and Bond, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I have not received any response from XXXX XXXX with regards to my direct request. Since i was unable to receive this information from XXXX, it was my hope that the Consumer Reporting Agencies would be able to provide the same to me since they have the information posted on my report and must only report verified and validated information per FCRA Section 611 and 15 USC 1681s-2. I have attached the Experian and the XXXX letter. The XXXX and XXXX letters stated the same.
Product: Credit card or prepaid card

In XXXX of XXXX I applied to Capital One for a credit card which I received and used. The interest rate was high ( mid twenties ) and the available credit was adequate at the time. I later received an offer for another credit card with a lower interest rate and three times the available credit. I paid the Capital One card down to XXXX and kept it in reserve. The last statement I received was on XX/XX/XXXX. At all times I paid my Capital One account on time, as I have all my other accounts. Abruptly and without any notice or options Capital One closed this account for the reason stated an email I received : " Re : Your account ending in XXXX Its been over 2 years since youve used this credit card account. As a result, the account has been closed due to inactivity. 
It can not be used for transactions or reopened. There were no rewards to redeem when the account was closed. 
For your security, we recommend you destroy all cards associated with this account and notify any other account users. '' Had I been contacted by Capital One to alert me that they would close the account for lack of use I would have arranged to charge and then pay a repeating charge. However, when I spoke with a representative she explained that Capital One 's policy is to not provide any notice nor explain that they close accounts for non-use without a warning or notice. 

My concern is that Capital One knew, or should have known, that by their closing the account that it would negatively impact my credit score. In fact about the same time that I received the email from Capital One I received an alert from XXXX  that my credit score dropped from a XXXX to a XXXX. XXXX  shows the event as " account closed by Grantor '' which carries a negative connotation adverse to my credit interests. My wife and I just finished construction of an addition on our home and were preparing to refinance our home. We are both employed and have no other reason why our credit would be currently affected but for the precipitous action by Capital One. This reckless policy by this financial institution may affect our ability to get the best interest rate on our home refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a fraudulent account to my credit report. I did not open this account, someone else opened it in my name and got it charged off. I have never opened an account with XXXX XXXX XXXX and this is not my account. I need this removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted credit reporting companies and let them know the info on all my accounts are wrong. Not all info is the same like dates opened active or closed. Some haven't reported anything. 30 days later, XXXX reporting agency ( equifax ) said they concluded their investigations and everything is correct and its not. Transunion has not responded and Experian responded with " investigation completed '' and the info is still wrong. Aren't all reporting agencies suppose to have the exact same info? 
XXXX BANK ( CLOSED DATES DONT MATCH ) SHELLPOINT MORTGAGE ( CLOSED DATES DONT MATCH, HIGH BALANCE ) XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX XXXX XXXX CLOSED DATE, LAST ACTIVITY ) XXXX XXXX  MORTGAGE XXXX ( CLOSED DATES, LAST ACTIVITY DONT MATCH ) XXXX XXXX XXXX XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE ) XXXX XXXX XXXX XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, TERMS, HIGH BALANCE, LOAN TYPE, ALL DONT MATCH ) XXXX  XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) FIRST  XXXX  ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE, DONT MATCH ) XXXX FIRST  XXXX  ( CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH )
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Louisiana Laws Dear XXXX, XXXX am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Louisiana Revised Statutes ( LRS ) Title 9, Section 3571.1, which governs consumer credit reporting, and identity theft protections under Louisiana Revised Statutes Title 14, Section 67.16. 

It has unequivocally come to my attention that NSTAR/COOPER h

as engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). Louisiana state law further reinforces this requirement. Under LRS 9:3571.1, credit reporting agencies must maintain strict accuracy in consumer credit information and ensure that no report is made without proper authorization. Additionally, Louisiana 's identity theft statute, LRS 14:67.16, explicitly p
rohibits the unauthorized use or reporting of personal information, underscoring the seriousness of this violation.

I assert, with unwavering certainty, that I have not provided consent for NSTAR/COOPER to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and state laws.

I demand that NSTAR/COOPER immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and LRS 9:3571.1. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Louisiana 's identity theft laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Louisiana state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that NSTAR/COOPER will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.