23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to express my deep frustration and dissatisfaction with the handling of a serious issue concerning my Anne Taylor credit card account. Despite my immediate notification of fraudulent activity on my account in XXXX, the subsequent lack of action and communication from Anne Taylor has left me in an untenable situation.

In XXXX, my Anne Taylor credit card fell victim to unauthorized access by a malicious actor, resulting in fraudulent purchases being made on my account. I promptly contacted Anne Taylor to report the incident, hoping for swift resolution and mitigation of the unauthorized charges. However, to my dismay, no action was taken by the company to address the fraud or provide me with a replacement credit card. 

Furthermore, I have been inexplicably denied access to my online account for the past three years, preventing me from managing my account and making payments online. This lack of access has not only inconvenienced me but has also led to severe financial repercussions. Without access to online statements or account management tools, I have struggled to keep track of payment due dates, resulting in exorbitant late fees being charged to my account each month.

Additionally, I am appalled to learn that Anne Taylor continues to bill me for fraudulent purchases made on my account, despite my repeated attempts to rectify the situation. Moreover, the absence of a new credit card has left me vulnerable to further unauthorized transactions, compounding the severity of this issue. 

To exacerbate matters further, I have incurred excessively high fees whenever I have attempted to make payments by phone, further adding to my financial burden. 

As an individual with a documented XXXX that impairs my memory and ability to concentrate, the lack of online account access and failure to address the fraudulent activity have had a profoundly detrimental impact on my financial well-being and mental health. 

In light of these egregious oversights and failures on the part of Anne Taylor, I urgently request the following actions be taken : Immediately cease all billing for fraudulent transactions and provide a detailed account of charges incurred.

Issue a replacement credit card and restore access to my online account for account management and bill payments.

Waive all late fees accrued as a result of the lack of access to online statements and account management tools. 
Refund any excessive fees incurred for making payments by phone. 
Implement enhanced security measures to prevent future instances of fraud and ensure the protection of customer accounts.
Product: Vehicle loan or lease

To Whom It May Concern : I am writing because my vehicle was repossessed prematurely and not based on company policy. I was informed by an Ally representative their company has a 90  day policy for repossession. My payments are due on the XXXX of each month. My vehicle was repossessed either the evening of XXXX XXXX XXXX XXXX or the early morning XXXX XXXX XXXX XXXX. At the time of the repossession my account was 85 or 86 days past due. I have called XXXX times since XXXX XXXXXX/XX/2019 to resolve this matter with Ally to no avail. I tried to make payments to Ally twice on XXXX XX/XX/2019 ( two different calls ) for the total past due including any and all fees plus the upcoming payment that's not due until XX/XX/2019 ; and they have repeatedly refused to accept my certified funds. They are stating because the vehicle has already been repossessed, I now have to pay the total balance in full. I had just received an email from Ally on XXXX XXXXXX/XX/2019 at XXXX XXXX  stating my payment was due on XXXX XX/XX/2019, but according to the representative my account was already flagged for repossession days before. I was preparing to make a payment on XXXX  XX/XX/2019 because I just received a pay check from my employer that cleared. However, I awoke to find my vehicle was taken prematurely repossessed. I feel I am being treated unfairly and under the circumstances I would like to be given an opportunity to rectify this situation. I never received any verbal or written correspondence stating my vehicle was in jeopardy of being repossessed. I honestly thought if I made payments on XX/XX/2019 I would be fine. I am able to make all the past due payments and any fees plus the upcoming XX/XX/2019 and even XX/XX/2019 payments in full immediately by certified funds. This is my livelihood, if I don't have a vehicle I can't work and if I can't work I lose everything.
Product: Debt collection

The first time I learned about this debt was when I received word from my company payroll department that I had a lien filed against me in the amount of XXXX from a judgement filed in the State of California XXXX XXXX in XXXX through Midland Credit Management. The debt was from a card opened fraudulently in my name back in XXXX. It was charged off in XXXX. At that time, I filed a police report with the XXXX XXXX police department which is where I was living at the time. That information was provided to the credit reporting agencies and the credit card company XXXX XXXX where the issue started. I had no idea this was still active in any way, I received no information about this until the lien. I contacted Midland Credit Management and was told the dept was legitimate and if I wanted to dispute it I would have to send a notarized letter stating it was not my debt along with the police report and a new police report if I didn't have the previous one and that it would take a month to process. I contacted XXXX XXXX who informed me they no longer had any information to assist me, that information that old is not held onto. 
Midland Credit Management followed up with a letter threatening that if I disputed this claim, that dispute process would go on my credit reports causing a negative mark on it. The amount they claimed I owed also changed from XXXX to XXXX. They did not send any of the court paperwork, any letters ever stating I owed this debt, nothing other than the letter and a very small unclear print out of what appears to be a credit card statement from XXXX XXXX dated XX/XX/XXXX to XX/XX/XXXX. They refuse to address my requests for information. When this case was filed they ( based on what information I could find ) had my correct address on file yet sent information to an incorrect address where it was apparently signed for. I believe this to be a tactic used to bring to court to get the judgement. I have attempted to contact the court to understand what rights I have to fight this but due to covid restrictions and the court is over 120 miles away from my residence, I have had no success. Midland Credit Management intentionally withheld information, intentionally filed this case over 100 miles away from my residence, is falsely collecting a debt that was closed out in XXXX and gave no information during this injustice and continue to not provide any details to this. They used the courts in California to perpetrate this crime. I want my money back and want to file charges against this company.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or XXXX, assuming no one will care in any case. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX ) XXXX Original Balance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

In the past few weeks I have made online pick-up orders with the Target store in XXXX NH. When I request a hard copy receipt at pick-up, they say they are unable to do so and I should receive one in my email. On several occasions, when I try to print one from my email, the first page is blank, and the next page does not include prices or dates. When I make an online order, I am unable/not allowed to print a copy of my order. When I complained to the store management, I was told that no one else complains about this and they are unable to give any receipt. I believe this is an attempt by Target to hinder their accountability to their consumers. Do I not have the right to hard copy documentation of transactions? 
Please advise. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX. 
XXXX, NH
Product: Checking or savings account

I received a letter in the mail on XX/XX/21 from my financial institution informing me that all my personal and business checking and savings accounts will be closed in 30 days. My husband went immediately to our local branch for an explanation, and got no answers. The branch manager there would only tell him that she didn't know why and that the decision was final. I then called the the 800 number and got the same. Extremely confused and frustrated I then requested a Consumer Disclosure Report from XXXX. There is absolutely nothing negative on either report. I'm at a loss as to what to do or how to find out why the decision was made to close our accounts.
Product: Money transfer, virtual currency, or money service

Im writing to express my concerns regarding his house handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues, the platform, despite using cell numerous times and important discrepancies my financial institution in Zelle fail to investigate my claims adequately. They informed me that recovering loss funds was impossible in that tracking these transactions was unfeasible the CFPB find it indicate that Zelle has not only neglect to protect consumers, but also allow repeat offenders to explore the system. Leaving user vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

I 'am requesting that this items be removed from my credit report immediately. Transunion is still reporting misinformation on my credit report, and its really hurting my credit score and chances of ever owning a home for my family. 

*Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX ( DELETED ) *Account # XXXX- XXXX XXXX XXXX XXXX XXXX XXXX ( REMOVED ) *Account # XXXX- XXXX XXXX XXXX XXXX  XXXX ( REMOVED ) Please see uploaded pictures and or documents, of accounts mentioned above. send me an updated credit report with new changes made.
Product: Mortgage

Refinanced my home with an online company called XXXX XXXX. They put me in an high interest loan promising to restructure the loan in 6 months. 3 months later they started selling my loan out to XXXX not mortgage companies. I've tried to Refinance away from them but they keep my credit destroyed. Now current collector keeps raising my monthly payments dooming me. This been going on for years and they won't give me a reasonable permanent modification. Please help me.. I've been XXXX now for 10 years. I can't take it anymore..
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

THIS COMPANY USED ILLEGAL TACTICS TO COLLECT ON ALLEGED DEBT THAT I DO NOT OWE. THEY THREATENED ME NUMEROUS OF TIMES OVER THE PHONE. 
FURNISHED A COLLECTION ACCOUNT ON MY CONSUMER REPORT WITHOUT AUTHORIZATION OR VALIDATION. I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THIS ACCOUNT.BLOCK AND REMOVE IT FROM ALL CREDIT REPORTING AGENCIES. IM ALSO SEEKING REMEDY FOR THE BLATANT VIOLATIONS OF MY CONSUMER RIGHTS WITH NO REGUARD TO THE FEDERAL LAW. ACCORDING TO FCRA 605b THIS INFORMATION MUST BE BLOCKED IMMEDIATELY UNTIL THE INVESTIGATION IS OVER.
Product: Debt collection

The company reached out to me for a debt {$1300.00} I dont owe. The arbitration award only awarded the counter party {$4900.00} arbitration costs ( the arbitrator says therefore ) and did not award XXXX XXXX XXXX any costs from claimant. I dont owe Arbitration costs to the XXXX  XXXX XXXX XXXX XXXX and XXXX shall only chase the other party for arbitration costs. Also, the award is currently in court to be vacated with active litigation too.
Product: Credit card

Take note of the attached documents. I want the bureau to start an investigation into these accounts, as I am consistently punctual with payments, yet they are being inaccurately reported as late.
Product: Student loan

Nelnet 's website is completely broken, so I am unable to advance through the website enough to make a payment. I have sent emails since mid-XXXX requesting assistance in making my payments and have gotten no responses. They do not answer the phone, so I wouldn't be able to make a payment over the phone. There is no where to mail a check. I'm concerned I'm going to get hit with missing a payment, when it's not my fault that I can't make the payment. I was originally concerned with security issues with their website, but now that I see that I can't even get through enough of the website to even enter my information at all, there are clearly bigger problems going on at their company, and I don't deserve to suffer because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX  continue to report a derogatory account on my credit file of a company called XXXX XXXX XXXX. There is no payment history, no date of default and the balance owed and account balance show inconsistent amounts. I have reached out to XXXX XXXX XXXXXXXX and informed them that I did not open this account and to submit proof of application. They just sent me a computerized bill and refuse to send me the contractual obligation. Transunion and XXXX  just keep reporting the account as verified but refuse to furnish the method of verification. I was successful in having the account removed from my XXXX  profile for lack of proof of ownership ; however, Transunion and XXXX  have been noncompliant. I would like to file a complaint against Transunion and XXXX  for illegally reporting inaccurate and derogatory information on my credit profile and their refusal to comply with demand for verification of reported account of XXXX XXXX XXXX ; and XXXX XXXX XXXX for lack of diligence in helping resolve this serious issue.
Product: Credit reporting or other personal consumer reports

SEE ATTACHMENTS. I WOULD LIKE TO KNOW WHY YOU KEEP PUTTING THE WRONG DATES ON MY CREDIT FOR THIS ACCOUNT! ENOUGH IS ENOUGH, TIME FOR YOU TO REMOVE THIS ACCOUNT.
Product: Credit card or prepaid card

Over XXXX $ worth of charges to my cash app card that was tied to my bank account by a company called XXXX XXXX XXXX XXXX XXXX. These are unauthorized charges to a social casino. I was instructed by cash app to file disputes for these charges and there are lots of them most are only XXXX $ and up to XXXX $ at a time. So there is a ton I was told to dispute each transaction which took forever but then the denied them, they told me to refile the disputes 2 more times but still denied them. I contacted the merchant ( XXXX  ) they have instructed me and emailed me back stating they are not disputing the refunds they simply are waiting for cash app to send the charges back to them and they will refund them back to cash app and then they can release the funds back to me. However, I can not get anyone from cash app to help me. Everytime I call, email or chat with cash app they are just giving me the runaround. They say XXXX needs to initiate the refunds, XXXX states cash app needs to. Meanwhile as I live in XXXX XXXX tn where we were just hit with a EF3 tornado and left in peril I tell you this is ridiculous. Ive shared all the information from the merchant with cash app. Im told a supervisor or manager will reach back out to me but I never hear anything, I call and email but only response I get is a standard email that accomplishes NOTHING. I think its because there are so many of the transactions that neither cash app or the merchant want to take the time to actually issue the refunds. Thats my guess. However the merchant has emailed me several times telling me that cash app can reach out to them directly to facility the refunds but hasnt received anything from them. Im attaching some of the charges not all because its so many but they have all this information and including the email responses from the merchant
Product: Mortgage

My father passed away XXXX years ago and left no will. The property went to my mom. We moved in with my mother to help take care of her, she was trying to get a loan modification, they told her to not make any payments until the modification went through, but that never went through. They kept telling her things were missing and she kept having to resend the same documents over and over. She got behind and the mortgage company kept telling her, that unless she could pay the total amount behind they wouldn't accept it. My mother passed away in XXXX unexpectedly and shortly after her death we were served with foreclosure paperwork. I contacted the mortgage company and they refused to speak with me. I am the personal representative for my moms probate and they still refused to speak with me. I have sent them all the paperwork they requested and they still say that it is wrong. They even say now that they have nothing to show my mother is dead, when i sent them all the paperwork. I replied to their summons and requested foreclosure intervention, I just received the denial letter, even though I was never contacted about any of my information to work on an intervention. They have served someone not related to me, the foreclosure intervention was denied through the law firm of the prosecutors lawyer. I filed a XXXX  for unfair practices and requested foreclosure intervention again. I just received an email for mediation, I'm sure that's because I requested a XXXX XXXX. I have contacted them numerous times and the lawyer to no prevail. I want to keep the house and take it over, but I can't get anywhere. The company handling the mortgage has pages and pages of complaints of them doing the same things to other families, stringing them along until people get so far behind they loose their homes. I really just need help, but I am not made of money. I had to use my 403b when covid hit, so I can't even use that. I was wondering if you could help.
Product: Checking or savings account

I attempted to purchase fuel at XXXXXXXX XXXX XXXXXXXX on XX/XX/year> XXXXXXXX XXXX XXXX. I have over {$100.00} in the account and Wells Fargo declined the transaction until I had over {$300.00} in the account. This is unacceptable. Also, Wells Fargo and XXXX has screwed up my account and I can not transfer or send funds to others. They have also affected my other accounts at other banks. At this point it has become discriminatory.
Product: Debt collection

company called service finance company XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX fl XXXX XXXX this company is reporting that on my credit account that i owe them {$31000.00} begining XX/XX/year> and account is charged off but they are still reporting that the account is open. they reported that they have recieved payments from me but they cant give me any proof that i have made any payments. i have request they send me any contract with my signature or proof of payment made by me and i have not recieved and coorespondance from them. they are directly responsible for me not getting loans because of their false reporting. I am currently trying to sell my home and i just found out this company has put a lien on my home and this is stopping and sale that i could have closed 2 times. can someone please get this company off my credit and have them take thier information off my home so that i can sell my home. thank you
Product: Consumer Loan

When I 'm not able to make a payment on time I get continuous phone call starting at XXXX XXXX at night if that 's not happening I get letters put in my door I have a stack of letters also I can make an arrangement with them and they will still call or come and put letters in my door it went as far as them calling my daughter and I did n't have her down as a contact she tried to apply for a loan I have been threatened by the workers I work a XXXX shift and they are closed when I get off I 'll try to get money orders and pay I 'm a single parent I surely do n't need XXXX stress on me I 'm tired of it please help I 'm doing my best
Product: Vehicle loan or lease

XX/XX/2022 I placed an application for credit with CarMax. CarMax proceeded to complete a transaction using my ssn and once the transaction was complete CarMax proceeded to violate my federally protected consumer rights by sending me an adverse action letter denying credit based on reasons specifically prohibited by law.
Product: Credit reporting or other personal consumer reports

I woke up this morning to find inaccurate accounts on my credit report, and Im completely baffled as to why theyre there. I routinely check my credit report, and everything was fine before, but now these discrepancies have appeared out of nowhere. I even refreshed my browser, hoping it was just a technical issue, but the inaccuracies remained. Im pleading for the documents Ive sent to be carefully reviewed so I can stop worrying about this.
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. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXAccount # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights. 
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 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.