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

I am writing to formally request a reconsideration of your decision to close my Capital one account XXXX to a chargeback related to a bad check written to me by a third party, XXXX XXXX XXXX, in the amount of {$1500.00}. 

The check in question was received as payment for legitimate services I provided to XXXX XXXX XXXX on XX/XX/year>. Despite multiple attempts to secure proper payment, the restaurant issued a check on XX/XX/year>, postdated for XX/XX/year>. This check was deposited on XX/XX/year>, and returned for Non-Sufficient Funds ( NSF ) on XX/XX/year>. 

This situation has placed me in significant financial hardship, as the bank has withheld my funds totaling {$4200.00}, rendering me unable to meet essential living expenses for my family. This includes rent, utilities, and basic needs. Please note : I acted in good faith by accepting the check as payment. 
The insufficient funds issue was caused by the third party and not due to any action on my part. 
I have attempted to collect this payment from XXXX XXXX XXXX, but they have blocked communication and avoided resolution. 
I kindly request the following : That you release the withheld funds to allow me to meet my financial obligations. 
That you reconsider the permanent closure of my account, as I was a victim of a third partys fraudulent actions. 

I have attached supporting documents, including the demand letter sent to XXXX XXXX XXXX, copies of the bad check, and details of the hardship caused by this situation. 

I trust that Capital One values its customers and will consider this request with understanding and fairness. Please feel free to contact me directly at XXXX or XXXX should you require any additional information. 

Thank you for your prompt attention to this matter. I look forward to your favorable response. 

Sincerely, XXXX XXXX XXXX XXXX Copy of NSF Check Demand Letter to XXXX XXXX XXXX XXXX Account Documentation
Product: Student loan

I applied through XXXX XXXX XXXX  to receive an Income Driven Repayment plan ( XXXX ) and was approved under the SAVE plan for a fixed monthly payment. 

My loan servicer, EdFinancial, has repeatedly failed to honor the payment amount set and approved by the IDR under the SAVE plan. Despite my monthly compliance making payments in the exact amount set by the IDR plan, EdFinancial repeatedly flags my account as delinquent and sends messages and phone calls to me alleging delinquency. 

The delinquency notices step from errors in their servicing system that misallocate the loan payments, despite my selection of auto-allocation to ensure that my monthly payment, set by my IDR, is properly being allocated to each separate loan posted on my account. 

I have spent hours on the phone with various representatives from EdFinancial, who repeatedly are ignorant of the errors EdFinancial is having processing my payments. I have to take hours out of my day to explain the error, listen to their proposed solutions, and agree to what they say only to have the same call one month later when I make my next payment. This misallocation of my approved IDR payments violates EdFinancial 's contractual obligations.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I hope this email finds you well. My name is XXXX XXXX, and I am writing to bring to your attention some unauthorized charges that appeared on my account while I was on vacation in XXXX XXXX XXXX 

Recently, I noticed several transactions on my account related to XXXX XXXX XXXX from XX/XX/XXXX - XXXX, 2024. The issue is that I was physically in XXXX XXXX XXXXXXXX during this time, and as you may know, New York prohibits online gaming casino apps. Therefore, these charges are not only unauthorized but also in violation of the local regulations. 

Here are the details of the transactions : Date and Time : XX/XX/XXXX - XXXX, 2024 Transaction Amount : {$34000.00} Description : Online Casino Gaming I kindly request that you investigate these charges promptly and take appropriate action. As a responsible user, I did not authorize these transactions, and I believe they were made without my consent. 

Please find attached any relevant documentation or evidence that supports my claim. Additionally, I have already contacted my bank to dispute these charges, but I wanted to inform you directly as well. 

I appreciate your attention to this matter and look forward to a swift resolution. If you require any further information, please feel free to reach out to me at [ your contact information ]. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I submitted, by myself information directly to the IRS on MOHELA, about XXXX weeks later I rightfully received my copy of a XXXX c copy b for cancellation of debt at the end of XX/XX/2023. I reached out to MOHELA regarding the copy B and was told to submit my copy B to their website, after they reviewed it, it was told to me from a representative, XXXX and his supervisor, I believe her name was XXXX that my account would be updated by the end of XXXX. When I saw no update and no updated report to the credit bureaus, I then followed up again and was told to give them up to XXXX days to correct my account. When I followed up again in the beginning of XXXX, I was then told, they did not send me a XXXX c copy b, and that my copy was part of a scam. I did not take part in ANY scam whatsoever. The real scam is what they are doing to people instead of canceling debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. IDtheft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$42.00} and XXXX  XXXX ; INQUIRIES : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

They never responded to any of my dispute letters. I have sent 5 letters starting XX/XX/2020. They fail to do their job and they are reporting inaccurately. please help me as they are purposely hurting my credit score.
Product: Checking or savings account

I was charged {$100.00} on my checking account for no reason. I have call them several times and they give me different answers but they dont resolve anything. Supposedly I was charged from the credit card department to pay for my credit card but that payment isnt reflected in my credit card record. I have talked with both departments checking account and credit card and they dont resolve anything.
Product: Credit reporting or other personal consumer reports

This is my third request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed {$0.00} XXXX XXXX XXXX XXXX Balance Owed {$0.00}
Product: Credit reporting, credit repair services, 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 and Account # XXXX, have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I was under XXXX XXXX bankruptcy from XXXX. My XXXX XXXX was discharged on XX/XX/XXXX. The trustee made all of my mortgage payments during this time and cured any past due amounts. I became responsible to begin making my own mortgage payments on XX/XX/XXXX. However I sent that payment to the Trustee on XX/XX/XXXX and they sent the payment to PHH Mortgage in the amount of XXXX. I have been making weekly payments to PHH since XX/XX/XXXX. My last payment of {$160.00} was made on XX/XX/XXXX and they rejected my payment. The reason for rejecting my payment is that my account is due for XX/XX/XXXX payment. I have repeatedly called them since XX/XX/XXXX to have my account updated since my discharge to no avail. The last statement date of XX/XX/XXXX shows a payment due date of XX/XX/XXXX with no past due amounts.The information on their website and the information on my statement differs.
Product: Bank account or service

Dear Sir/Madam, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at Scottrade Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XXXX XXXX, 2013 ( XXXX XXXX ), XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XXXX XXXX, 2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed via HTTP or HTTPS, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.
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 U.S.C 1681. 

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 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing the following information items. 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 agency if the person knows or has reasonable cause to believe that that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. For a XXXX account I have never signed up for I started randomly receiving a bill in the mail for a past due bill. Back in XXXX which was my last communication I got a incident number XXXX I have recently have a collection with AFNI for this particular account.
Product: Debt collection

I've been receiving harassing calls every day for weeks from XXXX XXXX XXXX XXXX XXXX, despite blocking the number. They claim to be collecting a debt from Volkswagen Credit, though I've never had an account or any financial dealings with Volkswagen Credit. I called the company on XX/XX/XXXX to have my number removed since blocking it on my phone didn't work, but was required to verify name, address, date of birth, and last four of my social before they would tell me anything further about the claim. They also refused to remove my number unless I verified that information. I would and will not verify any of that private information, and they informed me I will continue to get calls but they will not give me any information regarding the claim or remove my number unless I verify the private information. I suspect this is an identity theft scam since the VW brands had a data breach in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2018, I sent this credit repository a letter via fax requesting the XXXXXXXX XXXX account ref # XXXX to be removed and blocked from my credit report pursuant to FCRA 605B. Pursuant to FCRA 605B a reported fraudulent account MUST be removed from a consumer 's credit report within 4 business days. Attached to this complaint is a copy of my Police Report and FTC ID theft report and copy of the letter faxed to this credit bureau.
Product: Credit reporting, credit repair services, 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 XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX and XXXX 15 U.S.C 1681 SECTION 602 A. STATE I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A. SECTION 2 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 REPORTS CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATESYTHE REPORT BY MORE THAN 7 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 THE INFORMATION IS INACCURATE
Product: Debt collection

XXXX XXXX Capital One ... 
Its has come to my attention that Capital one Has been party in preitory lending scams. .when I signed up for the journey of XXXX XXXX, I had no ideal ..The amount of money I have paid in fees, That are really masked payments, to get money from, unsuspecting customers.. 
I got cash advance loans and cerdit spending limits from capital one. Totaling less than XXXX XXXX, after all was said in done, after padding the debt with cerdit cards fees on every payment, and maintaince fees, on every account, i have paid my cerdit card debt twice over, if it was not do to Capital one ..I have sat down with my hard copies statements,, ,I requested a summary of the fees to prove my point.. 
But it has went to death ears,,, I will not be put in debt, due to under haned legal action .In fact the agreement is binding, unless broken, you Capital one broke the trust i have for Capital one ... Check out the information contained in my account, cerdit and personal. I have a excellent payment history ..I await a response of any kind. .. 
Other than XXXX XXXX XXXX , Financial Banking authority,, Or whomever, I will be responsible and delivering this message, I will keep my business activities to a minimum, until this matter is handle fair and just ...
Product: Vehicle loan or lease

I am writing to file a formal consumer complaint against American Honda XXXX XXXX, American Honda Finance Corporation, and several affiliated XXXX dealerships, including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. This complaint concerns their systematic violation of federal and state consumer protection laws and engagement in deceptive practices under the Racketeer Influenced and Corrupt Organizations ( RICO ) Act. 

During the COVID-19 pandemic and subsequent vehicle shortages, these entities orchestrated a nationwide bait-and-switch advertising scheme through their platform, XXXX. They advertised used vehicles at lease-end purchase prices while failing to disclose that these vehicles were unavailable to the general public due to existing lease contracts granting property rights to lessees. These practices misled consumers into believing these " bait '' cars were available for purchase. 

Key Issues : False Advertising : Honda and its affiliates listed vehicles for sale that they could not deliver, as these vehicles were subject to lease-end purchase options. Consumers were drawn in with these low-priced offers but were then redirected to purchase more expensive " switch '' cars. 
Financing offers for the advertised vehicles were also fraudulent, as loans tied to these cars could not be honored when the vehicles were unavailable. 
Racketeering Practices : This deceptive scheme was executed systematically across Honda 's nationwide dealership network using wire fraud and other illegal activities. The fraudulent advertisements generated sales leads, which were exploited to push consumers toward higher-priced cars and loans, causing financial harm to unsuspecting buyers. 
Consumer Harm : Consumers, including myself, were damaged by these practices. I was unable to purchase a car at the advertised price and was forced into a more expensive alternative. For example : An XXXX XXXX was advertised for {$29000.00} but was unavailable due to an existing lease. I ultimately purchased a similar model for {$36000.00} {$7100.00} more than the bait price. 
The deceptive advertising also wasted significant time and resources, including travel expenses. 
Requested Action : I urge the CFPB to investigate these practices thoroughly. The defendants ' actions not only harm individual consumers but also undermine fair competition in the automotive market. Specifically, I request that the CFPB : Impose penalties for the false advertising and racketeering activities. 
Require the defendants to cease their deceptive practices immediately. 
Mandate restitution to affected consumers for financial losses incurred due to these schemes. 
I am prepared to provide further documentation and details upon request to support this complaint. Please ensure swift action to prevent continued harm to other consumers. 

DO NOT HAVE HONDA OR THE DEALERS CONTACT ME AS THEY ARE REPRESENTED IN THE MATTER
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX XXXX  # XXXX XXXX  # XXXX BANKRUPTCY  # 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 a account without my written instructions 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBEXXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you