23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

SETF.com ( Southeast Toyota Finance ) to whom I make my monthly payment for the XXXX XXXX XXXX I am leasing and driving has some issues on its website, which XXXX ( company rep based in the XXXX I spoke to on XX/XX/XXXX at XXXX ) told me " the website has recently been updated '' and is having problems. 

Among my problems with the SETF website are : - Not working overseas in other nations when I am traveling abroad ( perhaps to prevent hacking and cybersecurity threats and concerns ). 
- Not showing the full payoff amount when I sell the vehicle to a 3rd party. 
- Not clear about two month grace period ( for late payments made and pre-approved according to the website ). 

SETF site says it understands sometimes people have extenuating circumstances arise ( illness in the family or oneself ) and can not make a payment. SETF says they will give 2 months grace for late payments, but then the misinformation begins because when the consumer attempts to utilize the 2 months grace to pay later, the SETF site says to be eligible to obtain the 2 months grace to delay payment, a {$610.00} payment is made at the time of doing so ( applying for payment delays/ extensions ). 

Thus the SETF site is confusing, complicated, deceptive and sends mixed messages, misinformation and is difficult to understand and navigate. 

I therefore would like to be allowed to make payment 2 months from now ( due to these problems with the SETF website ) and charged no penalties for late payment. Often whenever I have called, the SETF automated phone system has hung up on me and dropped calls ( even after I waited to speak to a real live person ). 

Thus the SETF site is partly negligent for late payments and MISINFORMATION causing consumers harm and confusion regarding payment terms. 

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
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Ive attached a generic decision on my mortgage application from Wells Fargo Mortgage. The letter had absolutely nothing to do with their decision to not approve my loan ( as you will see from my letter attached to XXXX XXXX XXXX of XXXX XXXX XXXX. 
My loan had been approved and scheduled for closing. I received an email on XX/XX/XXXX from XXXX XXXX ( Mortgage Closer ) stating " Hey XXXX please make cashier 's check out to XXXX XXXX, XXXX ''. My closing was scheduled for XX/XX/XXXX ; four days prior to closing Wells Fargo ask for my tax returns and told me two days before my scheduled closing there was a problem with my tax return and therefore I will not be closing. Never stated what the problem was that would cause the closing to be cancelled two days before closing. Totally unprofessional and unacceptable.

Which underwriter failed to request these documents in a timely manner? There was a divorce decree involved with detailed time guidelines. 
This isn't the way you treat a customer that's had two mortgages with Wells Fargo since XXXX and never been late on any payment. 
Wells Fargo had every right to not approve my loan based on their findings. XXXX XXXX of Wells Fargo stated to me after he told me what happened, " yes XXXX this information should have bye requested earlier ''. 


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

Comenitybank XXXX My identity was part of The XXXX breach. I have contacted XXXX and was alerted that I have a fraud alert and I believe that I may have been impacted by this recent breach. I have several inquiries that I 'm unaware of and believe they have been placed on my account without my consent. The inquiries are going to be attached to this report. This is very disturbing and I have contacted Better Business Bureau, FTC, & I have gone down to the bank to file suit against XXXX and the companies listed on my report. I notice that these inquiries we 're reported to XXXX, XXXX, & XXXX. At this time I am very XXXX off that my information has been leaked and have been used. Now I 'm not sure what to do and do n't trust to many people. It is very stressful to know your personal information is out every where and it 's a shame that we have these issues in a country where security is suppose to be used for things like this. I want it removed within XXXX hours at the latest and I wo n't accept nothing no later.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent XXXX letters to each credit bureau requesting that they investigate the seleteced negative accounts on my credit report and properly report the other non-negative accounts since only XXXX bureau was reporting my credit card and a different one was reporting my car loan. They all XXXX should be accurately reporting everything, which they are not. I also asked them to update my personal information as my name has been legally changed for over 2 years and they still were not reporting it which caused me to get a fraud alert and denial on an apartment previously. Only Experian started an investigation but did not provide me with the original contracts that I requested. XXXX did not respond at all. XXXX sent a letter stating they received my letter but not that they were going to begin their investigation so I am unsure if they every did and if they ever finished it or what the results are. Fast forward to XX/XX/2022, I send another letter to all XXXX bureaus asking, again, for them to provide me with the original contracts of the selected negative items AND to provide me with details of how they completed their investigation to validating that these contracts are allegedly mine, which they all failed to do. This is my right, as a consumer, to have an accurate and efficiently reported credit report. Due to their negligence, I have now missed out on multiple opportunites that I was presented with due to the inaccuracies on my report. Today is now XX/XX/2022 and I have yet to be given any of the information I requested of XXXX, Experian, and XXXX.
Product: Payday loan, title loan, or personal loan

I wrote to cancel the loan before it was even deposited on XX/XX/2020 as outlined in The contract by writing. It said that I must submit it in writing to their email XXXX. I did this and received no response. Once the funds had been submitted into my account I called them and they said they would take the amount of the loan back with no charge on Friday XX/XX/2020. But I have received no written communication that the loan has indeed been cancelled. I followed the instructions in the contract to cancel the loan exactly as was stated. I just want clear written communication that the loan has indeed been cancelled.
Product: Credit reporting or other personal consumer reports

I have wrote letters to the companies and the bureaus asking them to remove all inaccurate information reporting on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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

The collection XXXX XXXX  XXXX XX/XX/XXXX. XXXX {$850.00} Im not responsible for this account and I gave no permission for this account to appear on my report as the law states that I have a right to privacy.

This is the 2nd time this account has been place on my Experian credit report and I ask it be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about Credco / XXXX, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiry on my XXXX on XX/XX/2019. Please remove immediately. 
XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Product: Mortgage

To whom it may concern, we are filing a dispute regarding the modification offer that was extended on XX/XX/2017. We completed an RMA package and outlined all of our expenses and income. Our gross income is {$6900.00} and our expenses are {$5900.00}. Thus places our debt to income ratio ( DTI ), is currently at XXXX % on the back end and XXXX % on the front end. 
These payments being offered are extreme and place or debt to income ratio at a severe deficit. It appears that there was no type of underwriter guidelines being followed to determine our affordability. We feel that this modification offer is predatory by nature, due to the fact that these payments are placing our debt to income ratio on the back end at XXXX %. 
None of the Shellpoint underwriting math makes any sense and it is not an acceptable payment. 
It appears also that based on the mortgage calculations and mock amortization schedule, the modification is based on {$28000.00} being paid back within a XXXX year term, which is completely unaffordable. The definition of A loan modification is a permanent restructuring of the mortgage where one or more of the terms of a borrower 's loan are changed to provide a more affordable payment. With a loan modification, the lender may agree to do one of more of the following to reduce your monthly payment : reduce the interest rate. This has clearly NOT been achieved in this case. 

Our family feels that this type of treatment is an outrage and a great way to force our family into a XXXX bankruptcy.
Product: Mortgage

Im currently selling my home and in the process of buying a new one through contingency. The buyers of our current home we are selling are going through DAS acquisition company/USA Mortgage as their lender. Our first closing date was XX/XX/2020 and now here we are 4 different closing dates later and the lender is still having problems. It started off as 5 days before closing, then 3 days before closing, and now 14 hours before closing. I have personally tried calling them and was told someone else would call me back and still havent heard anything, the title company hasnt heard from them and neither has my agent. I want some answers and compensation! This is ridiculous and very very unprofessional. I would not deal with this company if I were a realtor!!! Im currently renting the new house to make sure the owner doesnt sell it which is $ XXXX a month PLUS my regular bills at our current house which is also $ XXXX. My husband is the only person that works in our house because I stay home with our child and this is getting to be way to much on our family. This company is horrible, it needs to be shut down!
Product: Credit reporting or other personal consumer reports

IN THIS LETTER PLEASE SEE THE ATTACHED POLICE REPORT as requested via letter by XXXX in order for this account to be blocked. 
I am writing to demand the fraudulent XXXX account that has been reporting to my credit card for a year now to be removed. The account begins in XXXX and was fraudulently opened in XXXX. I have submitted multiple fraud reports for this account to be removed and disputes. XXXX and Tranunion Fraud Department requested for me to turn in the full Identity theft affidavit report in order for this account to be removed due to Fraud. That has been done. 
Please review the last identity theft affidavit submitted with the previous letter that was sent out on XX/XX/XXXX. I attached proof of verification and the identity theft affidavit to my previous letter that certified mail confirmed that you received. 
This account must be removed/ blocked within 4 business days after receiving. XXXX and the CRA is being unlawful due to this fraudulent account to still be reported.
Product: Money transfer, virtual currency, or money service

I have tried to close PayPal account without having to upload documents requested. Used XXXX, @ AskPayPal, to contact about closing account. By the way, my XXXX @ XXXX, has XXXX only meaning 18 years of age or older.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted TransUnion about the following negative accounts XXXX XXXX ( Account number XXXX, Date opened XX/XX/2022, Balance {$0.00}, Original creditor XXXX XXXX XXXX XXXXXXXX XXXX  ), XXXX XXXX XXXX ( Account number XXXX, XXXX opened XX/XX/2022, Balance {$0.00}, Original creditor XXXX CHARTER COMMUNICATIONS ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX XXXX  ), THE XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX  XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$64.00} XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are using XXXX XXXX XXXX to collect, furnish, share, disclose, publicize, and report information about me that has resulted from Identity Thief as defined by 15 USC 1681a ( q ) ( 3 ) ( 4 ).

I have a right to privacy per the constitution and the Fair Credit Reporting Act, and to breach my privacy you must have expressed ( written ) consent showing that I agreed to have my information shared.

As a result of your actions, I have been deprived of my right of contract and credit extension due to defaming my character. Resulting also in a substantial loss of income.

This is my second attempt advising of the defamation of my character and my right to privacy being disregarded. Unless you can provide me with PROOF that the original creditor had lawful authority and or consent in accordance with 15 USC 6802 ( b ) ( 1 ), to share my information with you, and PROOF that I was given the option to opt out of having my information shared, I demand that your company immediately Block and or Delete all derogatory marks from my consumer report ( i.e., closed accounts, charge offs, late payments, credit utilization, repossessions, collections and evictions ) within 4 days pursuant to 15 USC 1681c-2.
Product: Credit reporting or other personal consumer reports

As per, 15 USC 1681, the Fair Credit Reporting Act ( FCRA ), I have the right to privacy and the protection of my personal information and identifiers. I did not authorize XXXX, TransUnion, XXXX or any other credit reporting and information retaining agency to share my information without my authorized consent. My information has now been a part of a data breach due to the credit reporting agency 's gross negligence.
Product: Debt collection

It looks Credit Control LLC has my name on its system as possible debtor I 'm attaching the letter I received from this debt collector. 
I 'm disputing the whole amount on it says on its letter.
Product: Credit reporting or other personal consumer reports

Dear Sir, Madam, or to whom elsewise it may concern, If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice before my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, XXXX, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly about the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. Upon reviewing my consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

XXXX XXXX XXXX XXXX - XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Debt collection

First Credit INC is a debt collector harassing me to collect {$430.00} from XXXX XXXX XXXX XXXX XX/XX/year> without any billing notification mail or email notification after 3 years. XXXX XXXX XXXX is harassing me all of a sudden after 3 years. Nobody should be harrassed after 3 years of no billing notification, mail or email notification telling me I owe medical bills. I didn't have any chance to file a complaint at the time of service, I don't have the same insurance anymore, I don't have records of this and the statute of limitations on debt is over and against the Fair Debt Collection Practices Act. This is also against the No Surprise Act for medical billing me all of a sudden out of nowhere. In the related matter, hospitals and other medical providers in New York are banned from reporting medical debt to credit agencies under a bill passed in XXXX by the states legislature. This medical service at the time was under an attorney for medical malpractice. I am filing a complaint, I would like this to stop. 


They are not in compliance with applicable state and federal laws.
Product: Checking or savings account

They offered me a bonus of XXXX dollars for opening a bank account, they gave me the option of depositing an amount of money in the account and that at the end of the year they gave it to me and on the contrary they closed my account not to pay me the bonus
Product: Credit card

I was looking at " pending transactions '' on my smart phone and web browser and noticed that a transaction from XXXX XXXX, for a hotel stay, was still in pending status. I contacted the general number, and wanted more information regarding why it was still pending. The representative and I discussed the pending transactions but the pending transaction for XXXX was not on the company 's list. Meaning on all of my devices I see the " pending charge '' for {$100.00} for XXXX XXXX XXXX, but this is not on Citi 's system. During our conversation, the rep also mentioned a " pending charge '' from Best Buy for around {$700.00} which is not on my list of " pending charges ''. 

I am greatly confused regarding the difference between what consumers see as " pending charges '' versus what Citi sees as " pending charges ''. This also brings confusion to what actually my current balance and available credit limits are.
Product: Debt collection

I recently reviewed a copy of my credit report and noticed I have fraudulent account on my Experian and a data breach. Please remove these accounts from my report. They are hurting my ability to obtain job and housing.