23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom it may concern..

KIKOFF LENDING LLC Account number XXXX  You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 

Under 15 U.S. Code 1681b - Permissible purposes you must receive written instructions from me to release my information to third parties such as ( XXXX, XXXX and XXXX ). 

I request that you send me proof of the letters I have sent in writing to you KIKOFF LENDING LLC authorizing my personal disclosure to third parties and authorizing the permissible purpose, it is my right as a consumer to receive written proof under the ( FCRA ) within 30 days of receipt of this letter as provided by law.

If the company KIKOFF LENDING LLC can not provide proof of my written authorization for permissible purposes under 15 U.S. Code 1681b within 30 days, the account must be immediately removed from my credit report XXXX, XXXX and XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumercan exercise that nondisclosure option.

15 U.S.C 1681s-2 ( A ) 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.

Show me written evidence that KIKOFF LENDING LLC complies with all the laws mentioned above, and that it complies with the standards imposed by the FCRA MENTIONED ABOVE
Product: Credit card or prepaid card

On XX/XX/2021 I made a purchase via Paypal for {$900.00} USD. Since the seller was in XXXX - the amount was converted to {$1000.00} CAD and was transferred to seller after taking out fees. 

Seller later on XX/XX/2021 decided that he does not want to go through the transaction and returned me the full amount of {$1000.00} CAD and so I was expecting to get the full {$900.00} USD back since there hasnt been significant change in the USD CAD conversion rate. But Paypal used two different rates to first convert USD to CAD when i made payment to seller and a different USD to CAD when the seller refunded, resulting in a refund of only {$860.00} or a loss of {$37.00} for me without having made a transaction.

I tried resolving this with paypal multiple times but they are not willing to refund me on this
and blame it on exchange rate - the exchange rate for USD CAD has not changed in last month and the difference in the payment and the refund is being pocketed by Paypal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Student loan

The loan servicer fedloan never sent correspondence at the outset of the loan to let me know that they were the servicer and how to repay the loan. In XXXX of XXXX we researched XXXX loan servicers before we found fedloan. Once we found them, we immediately brought the account current, and set up an auto debit. Between XXXX and XXXX they reported over XXXX delinquencies on my credit report and refuse to reverse them. My credit is ruined, making it impossible to refinance any of my student debt. I am XXXX, have a good job, and am making my loan payments monthly. XXXX inadvertently did not get information to me regarding payback of the loan. They also sent me a document in XXXX discussing a forebearance request that I had supposedly made. I never made such a request. I would like to know what I need to do to fix the credit, and move forward.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The XXXX Credit Bureau is reporting inaccurate information on FRONTLINE ASSET STRATEGIES which opened XXXX XXXX, 2020. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Mortgage

We were trying to refinance our office building and were provided a letter of intent from our mortgage broker, She supplied multiple of these with different brokers and this was constantly changing. We had asked for an estimate multiple times from the mortgage company and was not provided one until final loan doc signing, This was the only document we had to work off of. Our funding was delayed for multiple internal bank issues and then we received the wire for our loan proceeds for {$34000.00} short of what we signed at loan doc signing because of an additional fee of {$33000.00} that was added. Were in the business and she said on our LOI this was the cost of the loan, now there's additional fees after closing without my approval The estimate I signed with Loan docs shows our proceeds to be {$320000.00} per the document I requested and remind you that this is the first estimate I have received after multiple requests I was then given a wire of the amount of XXXX, this was a difference of {$34000.00} with no notification or approval. After asking our Loan officer why I wasn't notified of this and that this is a classic bait and switch she had no response., I questioned why I wasnt informed that it wasn't on the estimate and where was this fee explained and broken out other than the only Estimate that I had seen with loan docs After the fact and funding the escrow and title company realized they didn't have consent of these changes prior to funding and asked us to now sign a corrected closing statement which I provided proof of this as well
Product: Student loan

I am  one  of the people that has been affected by The  U.S. Ed. Dept. 's Loan Forgiveness Bait  and Switch  Sham. I h ave been paying on my loans before  Former President   XXXX  may it law in  XXXX   XXXX  loan forgiveness. When the law was enacted I was happy thinking that in  ten  years my student loans would be forgiven as a federal employee.  XXXX  or  XXXX   XXXX  I contacted my loan servicer FedLoans to see why on my bill  ( s  ) it stated I had only made  41  qualifying payments toward forgiveness of my loans. I was told they would research and contact me within 90 days. No call and/or no response. I contacted the loan servicer in  XXXX   XXXX  and was told I was not under the correct payment plan until  41  payments ago. That I had been under forebearance, etc. and not a payment plan. All along I thought my payments were going to loan forgiveness. I thought I had less than a year left on my student loans to tell me I have  five  plus more years to pay. I HAVE BEEN MISGUIDED AND DECEIVED. I was offered no appeals, etc. The loans have been serviced by several different companies within the Department of Education 's umbrella. I have been told I 'm now in the correct payment plan and under the correct servicer. I DO N'T THINK THE WHOLE PROCESS IS FAIR. I have been paying on these student loans over 10 years ; and thought I had come on a good thing. BUT I WAS FOOLED.
Product: Credit reporting or other personal consumer reports

SYNCB/PHILLIPS66, XXXX XXXX XXXX, XXXX, FL XXXX SYNCB/PHILLIPS66 has a inquiry on my under my name & social security number. I did not apply for Phillips 66. I contacted them with lifelock & notified them it was identity theft and to please remove it from my credit report. 
As of today it is still showing on my credit report as a inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

According with the Fair Credit Reporting Act the company or services below have violated my rights. 

1.US Dept.Of EDXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX 2.XXXX  XXXX XXXX XX/XX/XXXX. account # XXXX 3.XXXX  XXXX XX/XX/XXXX. account # XXXX 4.XXXX  XXXX XXXX XX/XX/XXXX acct # XXXX 15 U.S.C. 1681 section 602 A states I have the right for privacy 15 U.S.C.1681 section 604 A it also states it consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft resulting from a data breach. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), I am requesting that the following fraudulent accounts and credit inquiries be blocked and permanently removed from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX XXXX  - XXXX - XXXX : XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - {$1000.00} XXXX. XXXX XXXX - XXXX - Reported : XX/XX/XXXX - {$1100.00} XXXX. XXXX XXXX XXXX ( XXXX ) - XXXX - Reported : XX/XX/XXXX - {$1600.00} Fraudulent Inquiries : XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX Experian Business Credit - XX/XX/XXXX Experian Business Credit - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Predatory loan was not told that loan repayment was impossible and cant seem to find out what laws this company and regulations they are abiding by very deceitful tactics used that were not explained by the company
Product: Vehicle loan or lease

I financed two XXXX XXXX with Yamaha Finance USA. I made monthly payments on time for 7 years. The account was set on " auto pay ''. The final payment came due and was {$60.00} greater than the recurring payment of {$320.00}. I was contacted via email saying the account was past due - much to my surprise as the regular monthly payment of {$320.00} had been withdrawn from my bank account, on time, as in the past. When I got in touch with Yamaha Finance I was told I owed {$100.00}. I made the payment on the call and asked for the transaction history to demonstrate the account was paid off. When I received that history, I was surprised to find a late fee of {$39.00}, which there was no mention of on the call. 

That history is : XXXX - email notice of draft reminder ( as usual ) XXXX - draft drawn on my bank account of {$320.00} ( as usual ) XXXX - email notice of account past due XXXX - payment made ( due to my phone call regarding past due notice ) of {$100.00} which included difference between final payment and recurring payment of {$60.00}, a late fee of {$39.00} and finally an additional interest charge of {$2.00} XXXX - email of account history showing late fee, interest and account balance - which I had to request After receiving that email on XXXX with the account detail, I requested that the fee be refunded, and I was declined. However the only way I found that out was by me contacting them again today ( XXXX ) to check on the status, which was not easy, since the account had been paid in full it was no longer an active account. 

I am concerned there may be a practice going on that is at least unethical and at most fraudulent and possibly should be reported as a whistleblowing incident. I was very pleased to see Yamaha has a compliance and whistleblowing program. However, when I spoke with the account reps ( XXXX and XXXX XXXX, neither was aware of such a program. I absolutely love the waverunners, have owned various models over 20 years. Great product. I am concerned the finance department is acting unethically and damaging the reputation. Most importantly, other customers may be getting ripped off in the same fashion and simply give up because the amount is not all that significant. Please help in addressing this matter.
Product: Payday loan, title loan, or personal loan

I recently applied for a loan with Affirm through XXXX, was denied based on payment history. The payment history I believe includes non payment of a loan applied for through XXXX, in which case, the item was returned back to merchant and XXXX tracking number provided to Affirm several times in prior CFPB complaints. The merchant, XXXX, initially verbally agreed to refund order, their rep said he would refund and when I attempted to follow up, calls were not answered from XXXX.. Most recently, I called again, spoke with XXXX, claimed the order was placed directly on XXXX site in which case, it was not, it was placed via third party link and terms of sale including return policy not disclosed.. XXXX claims the item is final sale, not eligible for return, in which case it was not advertised as such ... Unfortunately, we were unable to come to resolution and messages left for the owner, XXXX, remain UN-returned to date.. Further, the item, a Mens pair of XXXX XXXX jeans, XXXX not returned back to me. It appears XXXX may have sold the item, in which case, I believe they would need to refund but refuse to do so ... As stated before, Affirm refers to this order as payment history and reason for decline, in which case, item was returned and should not be included in credit decision
Product: Mortgage

My loan was sold from my current mortgage holder to Mr Cooper mortgage company. I understand this is not uncommon and I understand that for the first 60 days federal law prohibits them from charging me any late fees or fines during the transitional period. I received a letter saying that I did not need to take any further action and that my automatic withdrawal would continue at Mr Cooper. During an unrelated issue I was told that after 3 months ( 1 month past the Federal limit ) I would need to reach out to Mr Cooper and reset up my automatic payment withdrawal otherwise I could be charged for non-payment or late payment. If I had not been speaking to them about another unrelated issue there would have been no documentation to inform me of this. They promised me it was listed on my welcome letter and that I should go look at it. While on the phone I found the welcome letter and nowhere does it say that. It seems very predatory to me that they would allow the grace period to expire before canceling automatic payments. I can think of no logical reason that they wouldn't do it on the second month so that the transfer would still be new people wouldn't be lulled into a sense of security. At that time if something did happen it wouldn't negatively affect borrowers lives.
Product: Credit reporting or other personal consumer reports

I did not authorize these fraudulent inquiries and I demand proof of my full authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Dividend Financial did a hard inquiry on my credit and opened a loan in my name without my permission.
Product: Credit reporting or other personal consumer reports

Regarding account ending in XXXX Citibank is still reporting information on this account and has admitted that they have sold this account to another company. This account shows inaccurate information, XXXX shows account in collections and XXXX shows all payments made on time. If Citibank sold this account to another company, why are they still reporting inaccurate information. 
I believe Citibank is purposely trying to harm my financial wellbeing. During Covid Citibank removed all of my available credit because I was late 1 month on my payments and when Citi removed all my available credit to protect themselves my credit score dropped XXXX points in 1 day. 
How can Citibank still be reporting an account that they sold. 
According to 15 U.S. code 44 Documentary evidence. I am requesting that Citibank show all documents relating to account ending in XXXX this includes all documents, papers, correspondence, books of account, and financial and corporate records.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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

I, XXXX, the consumer, have identified information in my Experian consumer credit report resulting from identity theft. These items are not related to any consumer transaction completed by me, the consumer, nor initiated by me. This inaccurate information has been disseminated to over 54 companies and other 3rd party users without my written permission, enabling identity theft, unauthorized & impermissible access, and use of my consumers private financial information as it is false, inaccurate, erroneous, and misleading information. Block delete and remove immediately as I have been damaged and denied consumer credit due to this. There are name variations, false addresses, and false telephone numbers. Experian must uphold their duty to report true and accurate information about the consumer by the Fair Reporting Act. I am asking to be awarded damages for violations.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please act immediately to eliminate the unauthorized inquiries from my credit report, as they were not made by me and are causing me significant XXXX.
Product: Debt collection

this company is calling nonstop. they call at least 8 times a day. I have never used this company have told them to send me information to validate this debt.i am an XXXX veteran on social security income. this company, is relentless in their debt collection methods, I feel as if I need to contact the attorney general of Florida. they have reported this on my credit report, in a negative light, they sent letters stating I owe, and to pay. on my credit report XXXX XXXX states CHARGE OFF FOR A LEASE, THEN IT SHOWS 90 DAYS LATE IN XX/XX/XXXX, 60 DAYS LATE IN XX/XX/XXXX, AND 30 DAYS LATE IN XX/XX/XXXX, AS WELL AS THE COMPANY WHICH IS N.A.R THAT IS CALLING ME DAILY, IS NOT THE COMPANY FOR WHICH THE DEBT ORIGANATED. I AM ASKING THEM TO DELETE, AND REMOVE THIS FROM MY CREDIT REPORT, TO STOP THE HARASSSING PHONE CALLS. AS I HAVE NEVER SIGNED ANY DOCUMETS, HAVE NO IDEA WHO THEY ARE OR WHY THEY ARE CONTACTING ME, I INFORMED THEM THE FIRST CALL THAT UNDER FEDERAL LAW THEY HAD ONE TIME TO NOTIFY ME OF A DEBT AND TO NOT CALL AGAIN.
Product: Credit reporting

I contacted Transunion to correct deficiencies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuse to remove collection/negative item or provide an option for online dispute for these inaccuracy accounts from Fico Score Equifax XXXX As shown by the docs provided below, Equifax does not have these accounts on my Equifax credit report, however these accounts still showing on Fico Score Equifax. I have contacted Equifax via Phone on XX/XX/2023. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute on Removal of Fraudulent Information on credit report in Violation of 15 US Code 1681C-2.

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

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT DATE OPENED. 

XXXX XXXX XXXX XXXX XX/XX/year> As required by 15 USC 1601c-2, please block this fraudulent information from my credit report Immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent Information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mina, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Mortgage

Early in XXXX  approximately XXXX I was contacted by JP Morgan, Chase Bank that I need to provide proof of insurance on my condo. I did that and got no response. Then I got another notice to do the same thing. Again I sent the information in no response. The third time I requested to speak to XXXX Escalation Dept. I had my Insurance Agent and Myself provide Proof of insurance for the third time. Finally, they said it was resolved. In XXXX I got a notice again to provide for Insurance. Again, I did this to my Chase info website. I got a note that everything was good and I was good. On XX/XX/XXXX I got a notice from Chase that they placed insurance on my property for {$1200.00} which was incorrect. I am looking to do a refinance on my property and for the fourth time this year, Ill try to reach out to Chase to rectify this and Ive got no response. My condo insurance for the association is due for renewal in XXXX. XX/XX/XXXX to be exact. I need to get this removed off of my mortgage and Im looking for assistance with this.