23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied at Sprout Mortgage over 90 days ago. Worst process ever. After 90 days I finally was told the loan was approved. They then waited another 3 weeks to schedule my closing. Due to delays on their end ( their words ) they have now raised my rate twice and said they have to redisclose again the new rate and that would not take 3 more weeks. It is like groundhog day over and over and they keep charging me more money and higher rates. I went online to look at reviews and there are hundreds of others in the same boat with Sprout. They need to be shut down before hundreds more get taken by them. I am a single mother and this has really hurt my family. I am a super qualified borrower so this should not happen. PLEASE LOOK INTO SPROUT MORTGAGE ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the credit reporting practices of XXXX XXXX  concerning my XXXX XXXX XXXX XXXX account ( Account Number : XXXX ). This letter serves as a formal complaint of multiple legal violations and a demand for corrective action. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Inaccurate Reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : XXXX XXXX has failed to report accurate information regarding the status and balance of my account. The account, reported as a " Charge off / profit and loss write off '' with a balance of {$1700.00} and past due amount of {$440.00}, contradicts the legal requirements for charged-off accounts. 

Failure to Conduct Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : Despite my repeated requests, XXXXXXXX XXXX has not conducted a reasonable investigation into the disputed information, as mandated by the FCRA. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Misrepresentation of Debt ( 15 U.S.C. 1692e ) : Attempting to collect a debt that has been written off for tax purposes, without issuing a 1099C form, constitutes a misrepresentation of the character and legal status of the debt. 
Case Law Precedent : Gugger v. USAA Fed. Sav. Bank : This case establishes that reporting a balance on a charged-off account is misleading and inaccurate. 
Demand for Statutory Damages : Under the FCRA, I am entitled to statutory damages of up to {$1000.00} for each violation by XXXX XXXX The continued reporting of inaccurate information and failure to conduct a reasonable investigation constitute separate violations for which I seek compensation. 

Reporting to the IRS : I will be reporting XXXXXXXX XXXX  to the Internal Revenue Service for attempting to collect a debt that has been written off for tax purposes, in violation of federal tax laws.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. 

Moreover, Either credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I had loans for a private college through Navient. Navient put me in forbearance when I couldn't pay and told me that I'd sit in forbearance and accrue interest, or I should go back to school if I couldn't pay ( I elected to go back to school to try to get a higher paying job ). People like me should have been included in the settlement, can't tell if I actually qualify due to the limited information available, though think I should be eligible because I was steered towards accruing more debt, just in a different way than those pushed to forbearance long term
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Investigation and Correction of Inaccurate Late Payments XXXX XXXX XXXX  Account Dear CFPB, I am reaching out regarding inaccuracies on my credit report related to the XXXX XXXX XXXX  account ( # XXXX ). After careful review, I identified errors in how payments have been reported, specifically a 30-day late payment for XX/XX/XXXX and a 60-day late payment for XX/XX/XXXX under TransUnion. These reports are incorrect, as all payments were made on time. 
It is crucial for credit reporting agencies to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ), and I am requesting a thorough review of this matter. The errors in reporting have negatively impacted my credit file and are not representative of my payment history or financial responsibility. 
Details of the Account : Account Number : XXXX Account Type : Installment Lease Account Status : Closed Date Opened : XX/XX/XXXX High Credit : {$12000.00} Date of Last Payment : XX/XX/XXXX Disputed Information : TransUnion XXXX Incorrectly reports a 30-day late payment for XX/XX/XXXX and a 60-day late payment for XX/XX/XXXX. 
XXXX and XXXX : No similar reporting issues. 
I have attached bank statements and proof of timely payments for these months, which clearly demonstrate that I was never late. These inaccuracies violate FCRA guidelines, which mandate that consumer reports contain only accurate and verifiable information. 
My Request : Correct the Errors : Update the XXXX XXXX XXXX  account to reflect a status of " Paid As Agreed Never Late '' for XX/XX/XXXX and XX/XX/XXXX. 
Provide a Detailed Investigation Report : As required by 15 USC 1681i ( a ) ( 7 ), I request a description of the procedure used to verify the information in dispute. 
Submit Supporting Documentation : Provide verifiable proof of the reported late payments, including specific dates, amounts, and communications indicating delinquency. 
In the absence of such proof, I expect these inaccuracies to be removed immediately. Furthermore, I ask that you confirm in writing the steps taken to ensure my credit report is corrected to reflect its accurate status. 
Supporting Documents Included : A highlighted copy of the credit report indicating the discrepancies I trust that you will handle this dispute with urgency and professionalism. I expect a resolution, including written confirmation of updates to my credit report, within the timeframe mandated by the FCRA. 
Thank you for your immediate attention to this matter. Please feel free to contact me directly if additional information is needed. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

Purchased item on Macy 's CC in XXXX. Upon due date of payment, attempting to pay IN FULL on their website, the site was down. I called to make payment - their processing system was down. The representative documented my case and ASSURED me that I may mail payment but NO late fee or interest would be assessed. Received the next months statement WITH late fee and interest. Called to make complaint, which took hours out of my time to wait to speak with management. Was told over the course of THREE months this was resolved and I would NOT receive another statement. Come XXXX, I received ANOTHER bill for {$4.00}. IN anger and frustration, I wrote a complaint on their customer portal, but PAID the {$4.00} PRIOR to the due date in hopes this would finally be resolved. It is now XXXX and I have continued to receive COUNTLESS calls a day from Macy 's collections and continued to receive bills for {$2.00}, then {$4.00}, then {$6.00}, etc ... ( I am unable to answer my personal phone during any of their attempts to contact me, and it has taken at least an hour out of my day on my attempts to contact them. I can only imagine their efforts will be to submit me to collections over these ERRONEOUS minimal charges. As documented, I had already just gone ahead and paid the {$4.00} in XXXX, though was told REPEATEDLY by management I WOULD NOT receive another statement. I have multiple confirmation numbers if needed and I informed the representative each time I spoke with them in XXXX, XXXX, XXXX, and XXXX to record the conversation.
Product: Payday loan

I was told my loan would be be about XXXX month they took out XXXX this month they are taking XXXX out of bank I live on widows pension this is very hard on me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Experian, XXXX, and XXXX, regarding the multitude of inquires listed on my credit report. However the only response i get from them is to contact the company who placed them onto my reports. In the FCRA it states that i am entitled to a fair and accurate credit report. These reports are not accurate. The burden of verification is on Experian, XXXX, and XXXX  since they are the ones who are responsible for ensuring things are correct on my report. They are bound by law to make sure everything is correct. Not to tell me to call the individual creditors my self. I demand that Experian, XXXX, and XXXX  go back into my past disputes, and Remove the unauthorized inquiries from my credit report ASAP
Product: Checking or savings account

According to your site information on the type of transaction taken unauthorized by me on my debit card checking and savings account through Chase bank, your site identifies the problem as phishing. The individuals had a fake XXXX web page set up with a XXXX toll number for XXXX customer service XXXX I contacted the number and they immediately asked me if I had XXXX account or XXXX account. I said yes, and before I could request what I needed done they had me sending a small amount to my daughter through XXXX to see if my account was active. Then they asked me to send to someone they knew a small amount to see if I was sending correctly I guess? XXXX 's account information was attached along with the transaction information to this complaint. Once this was done I began to realize this was looking like something illegal and hung up my cell phone. I immediately called.my.bank and asked them to close my account which at that point nothing had occurred or was showing on my account. The next morning there was activity that had happened and {$490.00} dollars had been sent to the individual whose name and account information I was given and still have registered on my account. I contacted my bank and they said they're not responsible for the transaction because I was scammed. I asked if they could close my checking account and the said we stopped your debit card they shouldn't be able to access your checking account because you didn't give them your account number. Well that same day another transaction occurred this time for {$1500.00} dollars and then again for approximately {$490.00} dollars. I have screen shots of these transactions. Chase doesn't think they're responsible and will not help me recover the funds that were illegally removed from my account. This doesn't seem right because they told me they couldn't access my checking account even after they cut my debit card which is all I gave these crooks to work with and my XXXX and XXXX accounts. Can you help me with this issue? Thank you!
Product: Vehicle loan or lease

I applied for financing of a new XXXX on XX/XX/ @ around XXXX. 
# XXXX The credit application was denied for financing of {$160000.00} An email was sent for confirmation. 
I have spoken personally with the dealership nearby, I have sent notice, and I have made phone calls and emails in regards to this consumer transaction. 
I will continue to attempt gentlemenly conversation so that we can try to work things out, yet a complaint seems necessary. 

This naturally offers no consideration for the use of my credit. It also represents discrimination as well as fraud for the use of my collateral security, while receiving no benefit. 

I have a right to my credit pursuant to 15 usc 1602 ( f ) and equally I have been denied benefits from the use of my credit pursuant to 15 usc 1602 ( p ). 

As the agent on behalf of the Principal, I hereby accept all titles, all rights, all interest, guaranteed equity prevailing. 

Pursuant to the Federal Reserve act section 16 second paragraph, I'm fully aware of the use of my application to be used as a collateral security for Federal Reserve notes. I simply want the terms and instructions applied for as well as proper administration of fiduciary duties.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX AV XXXX, NY XXXX, XXXX XXXX
Product: Checking or savings account

All our business account deposits goes on hold from 3 to someone's 14 days, our business based on purchasing inventory. No one is able to provide a reason or take the hold off. Our account keep going in the negative, checks are getting returned with a lot of overdraft fees. We are held back from committing to our promises, the business financial records is in a very bad shape due to not being able to commit to payment when the company average {$60000.00} a month
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX and XXXX I duspute the following inquiries with the credit bureaus and also with the perspective companies. 

The companies have not responded and the credit bureaus are continuing to report them on my report. 

I do not have any credit line with these companies, i have not applied for any credit nor have I received any firm offers of credit from these companies. 

They are as follows : -XXXX -XXXX XXXX -XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX ( CRA ) for failing to remove an unauthorized inquiry from 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  I did not authorize XXXX XXXX  to access my credit report, and the inquiry is inaccurately listed. Despite my disputes, XXXX has refused to remove the inquiry. 

I have attempted to dispute this through XXXX XXXX. There was no thorough investigation invest it was closed within an hour or two of me submitting my dispute.

The following laws and regulations support the deletion of a disputed inquiry : 1. Fair Credit Reporting Act ( FCRA ) : - Section 611 ( Dispute Process ) : Requires credit reporting agencies ( CRAs ) to investigate disputes and delete inaccurate or incomplete information.

- Section 605 ( Requirements Relating to Information contained in Consumer Reports ) : Requires CRAs to ensure the accuracy and completeness of information in consumer reports.

2. Regulation V ( 12 CFR Part 1022 ) : - Section 1022.43 ( Dispute Process ) : Implements the FCRA 's dispute process requirements. 
3. Consumer Financial Protection Bureau ( CFPB ) Guidance : - CFPB Bulletin XXXX ( Disputed Information on Consumer Reports ) : Clarifies that XXXX must investigate disputes and delete inaccurate information.

4. Federal Trade Commission ( FTC ) Guidance : - FTC Commentary on the FCRA ( 16 CFR Part 600 ) : Provides guidance on the FCRA 's requirements, including the dispute process. 

These laws and regulations require credit reporting agencies to investigate disputes and delete inaccurate or unauthorized inquiries. 

I request your assistance in resolving this issue and removing the unauthorized inquiry from my credit report. 

Thank you for your attention to this matter.
Product: Mortgage

I am currently XXXX days past due with Selene Finance. I fell behind because my XXXX  went on XXXX XXXX XXXX. XXXX XXXX sent a Notice of XXXX XXXX XXXX. At this time I was XXXX days late. They said I had to bring the account current or they would proceed to foreclose and gave me until XXXX/XXXX/XXXX to make the past due payments plus any late fees accrued. 

I reached out to them immediately and asked for a XXXX month repayment plan for the amount that is past due. Selene said I had to submit an application that had to be reviewed by underwriting. I did this and Selene acknowledged they received the completed required paperwork on XXXX. They claim underwriting is still reviewing the application and have not offered a repayment plan. They will not acknowledge the CFPB rules and said that even though my application is under review, it still could be referred to their foreclosure department. If this happens, they will add additional fees to the amount owed. 

I am not even XXXX days late and I want to bring the account current. I want to clarify that Selene Finance must follow the CFPB rules in Michigan and not proceed with any foreclosure filing prior to XXXX days and while the account is under review for repayment options.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX I got a deb collection from above company forXXXX that I never owned or received services Agency account number XXXX My name : XXXX XXXX A.m.r debt collector, working on behalf of our client, XXXX XXXX XXXX XXXX only delivered one time on XX/XX/23, never received the propane delivered on XX/XX/23 there is still a remaining balance of {$830.00} due on the account are for the propane did not delivered
Product: Mortgage

I had my original loan with XXXX XXXX XXXX for a little over two years before and it was transferred to XXXX on XX/XX/XXXX. XXXX contacted me asking for proof of " hazard coverage '' as required under " the terms of [ my ] mortgage ''. 

The terms of my mortgage were not provided and I do not understand what this requirement is based on. I shared the insurance policies provided by my condominium 's HOA by submitting it both through the website provided in XXXX 's letter ( I submitted this on XX/XX/XXXX ), as well as by calling their representative ( who told me she could not see the website submission ) and emailing her a copy of that policy on XX/XX/XXXX, which she then submitted into their system. 

I have now again been contacted by XXXX via letter dated XX/XX/XXXX, telling me that they have not received proof of hazard insurance, and that they will charge me {$1900.00} per year for the annual premium.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter in attempt to remove These accounts that should not be furnished on my consumer report as they are in violation! Under 15 US Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.As a consumer, I am demanding the deletion of all the accounts listed IMMEDIATELY! XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXXXXXX {$85.00} US Dept of EDXXXX XXXX US Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

My debit card was lost and was used in a identity fraud scheme and my account was used and filled with XXXX and I disputed the claims and everything went well and they said that it wouldn't be back charged to me. Now they are saying the claims were denied and that I owe the money
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found multiple errors, such as late payments that do not reflect my typical payment behavior.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan the number is XXXX I asked for XXXX XXXX dollars they ask me for a date I want to start paying I sent bank account plus drivers license they sent me back a payment option XXXX for XXXX then a guy told me I had a low credit score and he never called me back I want the loan we agreed on
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX Late/Closed XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX
Product: Checking or savings account

I swear the only way to get a resolution on the bank side is filing CFPB complaint or I'll never hear back, this is a poor customer experience and bad business practice. Bad enough I'm unemployed due to lay off, but I've yet to receive any unemployment funds or help from the bank. I've done the majority of the work for the bank, I cant find my own money or we wouldn't be having this conversation. 

I set up direct deposit and checks were confirmed sent but no deposit received to date. I was able to confirm routing #, but not acct # with the company. It's possible they didn't provide the acct # when checks were sent and the payment is abandoned. I contacted C1 on XX/XX/XXXX and provided the information below with no response, update, research information, nothing. I had to opt for their prepaid debit card in the meantime to access other funds, huge inconvenience because now I have to transfer those funds and wait 2 more days. This is impacting my ability to pay other bills. 

Company name : XXXX  XXXX XXXX Date, amount, check # : XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$680.00} XXXX XX/XX/XXXX {$340.00} XXXX XX/XX/XXXX {$340.00} XXXX XXXX : {$1700.00}