23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I would like to file a formal complaint against Sprout Mortgage XXXX and request an investigation by the Regulators at CFPB. 

Here is their website : https : //www.sproutwholesale.com Sprout Mortgage XXXX constantly engages in unlawful businesses practices that is causing a tremendous amount of financial damage to the Loan Applicant and Home Owner. 

After they receive a loan application, their underwriters will issue a conditional approval then drag out the loan process for weeks and months. 

Then they will decline the loan unexpectedly at the last minute on the scheduled closing date even when all the approval conditions have been met. 

This creates a lot of financial and emotional hardship for the buyer and seller in the transaction when they engage in this type of unfair business practice. 

Based on my recent experience and numerous online customer complaints, this the pattern they consistently engage in that creates such hardship : 1 ) Borrower submits a new loan application 2 ) Loan gets underwritten 3 ) Conditional Approval is granted by their underwriter 4 ) Broker who's representing the borrower provides all required approval conditions 5 ) Mysterious delays occur ( weeks or months ) 6 ) Closing deadline approaches 7 ) Broker reaches out to Area Manager daily for closing status but is left in the dark. 
8 ) Borrowers, Realtors, Brokers, Title Companies, all start to panic due to closing deadline 9 ) Loan gets DECLINED at the last minute for unspecified reason on the day of closing!

10 ) Area Manager sends an email to the Broker defending this unfair business practice.

This is what occurred with my personal scenario : 1 ) Loan submitted and Conditional Approval received on XX/XX/21 XXXX ) Multiple underwriting delays including appraisal occur. 
XXXX ) Almost 3 months later, loan is ready for Clear To Close waiting on one rent letter condition. 
4 ) Mysteriously, loan got DECLINED by XXXX XXXX on the closing day based on one condition that has already been cleared by their underwriter long time ago? 

This is a constant pattern by Sprout Mortgage that is causing a lot of harm to borrowers and everyone involved in the transaction. 

Please see the attached screenshots of multiple complaints and negative reviews posted by disgruntled borrowers and brokers online. 

Another complaint we would like you to investigate and reprimand is their lack of Loan Estimate Disclosures. 

Sprout Mortgage XXXX never issues any Loan Estimate Disclosures after receiving the loan application and adds undisclosed and unjustified fees at the last minute. 

This is an ongoing unlawful business practice they engage in and needs to be stopped effective immediately Please see the attached screenshots of multiple complaints form other borrowers and brokers with the same issues.
Product: Student loan

Since XXXX 2015, I have been attempting to re-certify my income based loan. Each month FedLoan Servicing has provided incorrect and inconsistent information. In addition to bad information, the servicer took 2 months to process a request causing my loan to revert to an unaffordable amount. Additionally, the servicer refused to grant any kind of administrative forbearance for the delays they caused in the process forcing me to use 2 months of the limited lifetime forebearance on the account to ensure that their delays and misinformation did not negatively impact my credit score. Furthermore, communications regarding the attempts is slow and inaccurate. Emails stating that the request has been processed have been deliver yet when I call in to confirm and make a telephone payment the agent says it is not the case. Traditional mail correspondence often take 6 weeks to arrive and then arrives without detailed information as to why the request has been denied or delayed. Throughout the process the servicer has made no attempt to remedy the situation instead insisting I refile and use the general forbearance that should be used in case of emergencies not administrative incompetency. There is no reason the a re-certification should take 7 months and XXXX different applications and still has not been resolved.
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 number : XXXX Account name : XXXX XXXX XXXX Account number :, XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX account number : 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
Product: Credit reporting or other personal consumer reports

I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is XXXX XXXX with Account number XXXX. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XXXX XXXX XXXX XXXX  and XX/XX/XXXX Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The Account number is XXXX with a balance of {$1500.00}. 15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Experian, and XXXX 3 times requesting information on all accounts. I requested to see a copy of an original contract that I allegedly signed for all accounts. All 3 times all 3 credit bureaus have refused to produce documents showing my sinature on accounts that do not belong to me. The accounts are listed below XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Funds were made available to my account before they actually hit the account then they were taken away putting my account in the negative
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2017, Equifax reported that they had been hacked and that the social security numbers, birth dates, names, and addresses of 143 million consumers were leaked. Using Equifax 's online tool, I discovered that my information may have been breached. I requested an enrollment date for their credit monitoring services ; however, since making the request, numerous online articles have reported that enrolling in the free year of credit services forces the end user into an arbitration clause which hinders the user 's right to be part of a class action lawsuit. I believe, that although Equifax is equally a victim, that they are ultimately still responsible for the breach due to failure to properly secure themselves. I will likely forego their free credit monitoring service in order to avoid being forced into an agreement that I would otherwise not consent to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft, and on my Experian Credit Report it shows one of the XXXX accounts that reflect the incident. I submitted a Fraud form to XXXX and the problem was not fixed. It continued to hurt my credit score and they did not resolve it. My only option was to pay it and have Experian remove it, but I have tried to do so online and I haven't been able to. Thank you!
Product: Credit card or prepaid card

On XX/XX/2021 I received an unsolicited debit card from NetSpend with my address and someone else 's name, XXXX XXXX. I never requested or applied for this card. 

Last month I received a card with a male 's name ( last name XXXX ) on the card, but never opened the envelope. I just shredded it after contacting the company 's customer service number and explaining the situation. I asked to be removed from any mailings and explained that nobody with that name lived here. 

I am submitting this complaint because this is the second unsolicited card I received and it has someone else 's name linked to my address.
Product: Credit reporting or other personal consumer reports

Reporting of illegal lates per U S Code 1666B and U S Code 1681B. I've requested on several occassions that these accounts be removed immediately or updated to paid as agreed. They're also in violation of. U S Code 6801 Protection of non public personal.
Product: Student loan

I am reaching out regarding private student loans I took out through Navient from XXXX to XXXX totaling {$XXXX} as of today, XX/XX/XXXX I owe {$XXXX}. This about has more than tripled from when received. I have made multiple payments since starting repayment on this loan in XXXX. I have requested any type of assistance programs that would reduce, lower my interest rate or forgive any parts of the loan to no avail. Private student loans have limited to no types of repayment assistance of forgiveness programs which prevents those who took these loans out due to poor education from the financial aid office on schools campuses or due to lack of credit XXXX XXXX XXXX 's, like myself, had at that time. My current payment options exceed what I can realistically pay and with no type of assistance I find myself with a lower XXXX XXXX that not even bankruptcy can assist with. Due to that fact that Navient has lost a land mark case with the Consumer Financial Protection Bureau for misleading borrowers about programs that exist. I expected to hear something from Navient however I only have receive yet another bill I can not afford.
Product: Credit reporting or other personal consumer reports

I looked and reviewed my report back on my XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate. And one more thing according to 15 USC 1681s-2 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. Account has been paid
Product: Credit reporting or other personal consumer reports

I understand that you have assumed a vital role in assimilating information on me as a federally protected consumer. You are impeding the banking system, because you are not vested in insuring that my credit report or consumer report are fair and accurate. Your inaccurate and unfair reporting has impaired the efficiency of the banking system because I have now lost confidence in the system because you are not vested in insuring accurate consumer reporting. You have undermine the public confidence which is essential to the continued functioning of the banking system with your unfair and inaccurate reporting. I am not able to take advantage of a system that no longer benefits me. You have been constantly violating my rights of privacy. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have not given you explicit permission to report any information. You are required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to me the consumer. You are willfully non compliant. You are violating my right of privacy, your violating my rights as a federally protected consumer. You have a duty to insure the accuracy of my consumer report and you have fail to do so. follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 us Code 1681c-2 15 U.S. Code 1681c2 - Block of information resulting from identity theft
Product: Credit reporting

IVE BEEN DISPUTING A FEW ACCTS IN MY REPORT THAT ARE IDENTITY THEFT ACCTS AND ADDRESSES AND THESE ADDRESSES AND ACCTS ARE STILL ON MY CREDIT REPORT IVE PROVIDED FTC AFFADAVIT, IDENTITY THEFT REPORT FROM POLICE DEPT. AND XXXX LETTER FORM XXXX TO BLOCK ALL NEGATIVE REPORTING FROM REPORT BUT ITEMS ARE STILL ON MY REPORT PENALIZING ME WHICH IS VERY UNFAIR TO ANY CONSUMER GOING THROUGH A IDENTITY THEFT CASE. XXXX XXXX TOLD CRA IT WAS ME BUT NOONE HAS SENT ME ANY DOCUMENTS PROVING THEIR CLAIM ITS BEEN 4 MOS NOW AND STILL NO DOCUMENTS I EVEN HAVE FRAUD ADDRESSES I CANT GET REMOVED FROM MY CREDIT DUE TO CREDITOR SAYING ITS ME BUT AGAIN IVE RECIEVED NO DOCUMENTATION PROVING THESE ITEMS ARE MINE .IVE PROVIDED ALL MY DOCUMENTATION STATING ITS NOT ME BUT AND IM STILL GETTING SAME RESULTS FROM CREDITOR AND THEYVE DONE NOTHING BY LAW TO PROVE OTHERWISE WHICH IS UNFAIR TO ME AS A CONSUMER ... XXXX SAME OUTCOME XXXX XXXX XXXX XXXX SAME OUTCOME AND NONE OF THESE ITEMS HAVE BEEN VALIDATED TO BE DEEMED AS MINE BY FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED THE CREDIT REPORTING AGENCIES AND XXXX XXXX  BANK THAT THE ACCOUNTS THEY HAVE IN FILES ARE NOT MINES, I HAVE SENT ID INFO SEVERAL TIMES TELLING THEM THAT THESE XXXX ACCOUNTS I DID NOT USE THEM, XXXX XXXX ACCOUNTSXXXX AND ACCOUNT XXXXI KNOW THAT THEIR PRIME OBJECTIVE IE TO KEEP PEOPLES CREDIT SCORES LOW TOSO THEY CAN CHARGE HIGH INTEREST RATES BUT THIS IS NOT GOOD.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEVERAL times I have disputed a collection on my TransUnion report. The same one that XXXX and XXXX already removed because it was due to identity theft. TransUnion REFUSES to remove it from my credit report somehow verifying it after I showed emails that I sent in regard to it being fraud etc!
Product: Credit reporting, credit repair services, or other personal consumer reports

my former XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX had access to our company records and he access these records and opened several accounts for credit for me and other co workers I have tried to alert several credit issuers bit I have not been successful in getting any assistance
Product: Vehicle loan or lease

I was in need of car good running car .I went XXXX XXXX to buy a car it was a XXXX XXXX it had very low mileage. I drove the car about a month. the engine light .i contact the dealership .they told me to bring it to be checked was.I did was told the cowl was out and it would be replaced. I pick the car up from the dealership .drove it for a day the engine came on again this time I called Santander to inform them of what was going on with the car.I still made my payments on time of {$440.00} per mo .Even those the was sitting in my parking stall.this went on about two.expain to Santander.I can no longer make payments on a car that is not running. and pay for a rental car.I needed to retune the .so i parked it on the street.I they never told me they picking up the car .I recived papers in the mail the car had been repo .then the call stared every win am going to the balance .i ow {$12000.00} this repo I can not get another car loan because of this on my credit.
Product: Mortgage

This complaint is in regards to an on going problem this mortgage servicer has cause us a great deal of stress.The company name the The Money Source. We pay our mortgage payment every month. We never miss a payment. Me and my wife are current XXXX XXXX  so one day we decided to break up our mortgage payment in two equal payment so we could always pay our payment before our grace period. We only wanted to pay it this way because sometimes we would have different bills to take care of so this would help us pay the mortgage more comfortably I didnt want a full paycheck to go all on the mortgage so we decided to just break up the mortgage payment one payment in the beginning of the month and the other payment in the second half of the month the payment always came in during that month never 30 days late. The whole problem started we called in To make a payment I regret doing this. The computer did a better job at keeping our mortgage payments accurate. So one day me and my wife called The Money Source to make a routine payment like we would just normally do this one representative applied the partial payment towards the principal instead of putting the pavement in the reserve account. So long story short we found out that this error had occurred months ago we found out the next year which was too late for us to adjust the payment so so our mortgage payment had the status of always being past due. I just happened to look at the mortgage statement months down the line me and my wife are both XXXX  XXXX so we do not look at the mail that often we just set up automatic payments using our bill pay when we called in to make the payments on a monthly basis.When we discovered what was going on we contacted the money source spoke to many people from the money source one person was able to identify the mistake and at that time they trying to correct it but they said that it was too late the year had already closed and they could not adjust the principal balance.therefore long story short we are trying to get a refinance right now and this has come back to haunt us this payment that was incorrectly applied to our principal rather than a complete mortgage payment I need someone to help me as soon as possible im in the process of doing a refinance and if this is not fixed asap I will nit be able to lower my mortgage payment to a more affordable payment thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX Balance : {$2300.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$100.00} ; XXXX  XXXX ( OriginalCreditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$670.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3200.00}
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Re : Complaint Against Reporting Entity for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION Information Solutions , Inc. ( hereinafter referred to as " TRANSUNION '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to TRANSUNION requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXX XXXX XXXX  which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$510.00}. The FCRA mandates that the credit bureau, in this case, TRANSUNION must ensure the accuracy and completeness of the information they report. 

We are filing this complaint on behalf of our client, who is experiencing issues with a closed account reporting negative information on their credit report. Pursuant to our efforts to address this matter, we sent a Validation of Debt letter to the reporting entity, as allowed under the FCRA. Despite our repeated attempts, we have not received any response from the reporting entity. 

This lack of cooperation is a clear violation of our client 's rights under the FCRA, particularly under the following sections : FCRA Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to promptly investigate disputes regarding the completeness or accuracy of any information provided by a consumer and to correct or remove any inaccurate information.

FCRA Section 623 ( a ) ( 2 ) : This section mandates furnishers of information to report accurately and prohibits the reporting of information that they know or have reasonable cause to believe is inaccurate.

Enclosed, please find a copy of the Validation of Debt letter we sent to the reporting entity, along with proof of delivery. We believe that our client 's rights have been willfully neglected, and we seek the intervention of the Consumer Financial Protection Bureau to ensure a fair resolution in accordance with the FCRA.

We kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, compelling the reporting entity to respond appropriately and take corrective action. We appreciate your prompt attention to this issue and look forward to a swift resolution. 

If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your commitment to protecting consumers ' rights and ensuring the fair implementation of the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX