23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Before XXXX ( around XXXX ) my employer switched Payroll company from XXXX  to ADP. 
Accrued funds ( up to the moment of transition ) were transferred accurately on XXXX BUT just the employee contributions for XXXX and XXXX ( and not XXXX ) were allocated to my 401k account. 
I wrote to the plan administrator ( in my company ) and he asked me for more time as he knew the transition had not been fully reconciled. 
Time passed and the rest of the contributions from XXXX on ( both employer and mine ) were posting with no issues. 
In XXXX I decided to leave the company and contacted my plan admin again to have the account reconciled as I was leaving in XXXX. He told me it has been fully reconciled and I explained to him there were still differences, missing contributions. He asked me to contact ADP. I tried, they refused to talk to me and asked me to do it through the plan admin. Finally I was able to put us all three together in the same call. In which they realized it was not only me but almost all the employees were missing contributions allocated ( about XXXX USD ) so they started the investigation and fix. 
To make the story short, in XXXX, after NEVER replied to my emails asking for updates on the fix, they credited the missing employer matching contributions for XXXX and XXXX, but still the never posted the missing contributions ( employer / empoyee ) for XXXX. 
In early XXXX, after left the company in XXXX, I was able to be transferred to a supervisor who listen to my complaints and was able to contact the person who was supposed to fix this mess, he asked me for patience and I told him about my decission to file a complain with you if they dont have this addressed before year end. 
Still, XXXX contributions are missing for almost all employers @ XXXX XXXX. In my case is XXXX USD, but for around 60 people in the company, some of them putting higher amounts towards their retirement is considerable. For not to mention the possible dividends they may have lost in 6 months according to their investments.
Product: Credit reporting or other personal consumer reports

I was trying to resolve and identity issue that has been going on since 2005 when unfortuneltey lost my wallet on a city cab since then my life has gone to the birds I can have aphone with out harrasing calls I hace spoken to the creditors send the ftc report filed a complaint and dispute with the credit agencies as intructed by the creditor themselves and still nothing I ask them for results of investigation they give the run a round almost all the agencts cant speak c ; early in english and a lof of them just say not understanging and hang up on me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX J # XXXX XXXX, Tx XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : XXXX XXXX XXXX XXXX : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear Sir/Madam, I am writing to formally request the immediate deletion of an unverifiable XXXX XXXX XXXX Charge Off account that was previously reported on my credit report on Transunion. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately. 
Additionally, under FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ), data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights. 
I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by FCRA 611 ( a ) ( 1 ) ( A ). Failure to comply with this request may result in legal action, as I have the right to pursue damages under FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) for willful or negligent noncompliance. 
Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe. 
I appreciate your prompt attention to this matter and expect a resolution within the legally mandated timeframe.
Product: Student loan

I have been battling this issue, and others, with Navient for several months. Ive submitted several complaints through their ombudsman and advocate office, as well as three CFPB complaints. One of the cases ( XXXX ) was documented as duplicate. None of my complaints have been resolved yet theyve been marked as closed. Part of my last complaint was regarding a fraudulent loan. While Im fighting the fraud issue, Im still trying to keep the loan from becoming increasingly delinquent. Upon submitting financial information for myself and my mother who is the co-signer, I was placed in a payment program. In the first three months of the program, I had to submit another complaint due to a manager deciding I was no longer eligible for the program, regardless of my XXXX status. The advocates office got involved again. They discontinued the payments and placed my accounts in an administrative hold status. While I was working on the medical documentation required for my XXXX request, my mother received a call from Navient about the loan defaulting. I called the person back and he stated one of the loans had now defaulted due to no payments being made and its been reported to the credit bureaus as a charge off. I made it explicitly clear this information was not accurate. After ending the call I reached out to the advocates office to find out what was happening as none of this made any sense. Approximately 2 weeks later, I was informed that the loan is now in the Navient recovery office for default but that a payment arrangement could be made and the interest reduced to nearly 0 %. Ive reached out to this recovery office but have yet to speak to the person who is said to be the account manager. This cant be legal. This account had three payments made, via the required ACH process. The loan was then on an administrative hold. So I dont understand how they are now able to say no payments were ever made and have subsequently charged the loan off. Not only is this loan included in my current request for the Borrowers Defense Act against XXXX XXXX, its also the loan Im fighting for fraudulently being processed. Its also the same loan Ive submitted complaints to your office about, including written and voice-recorded documentation. Theyve now severely ruined my mothers credit and mine and if this complaint is addressed in the same manner as my previous complaints, allowing things to progress to the present status Im facing, they will get away with multiple illegal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company requested a credit score from Transunion : XXXX XXXX, TX XXXX ( XXXX ) XXXX I my most current check of my credit score, XXXX XXXX, XXXX, I noticed a hard credit score check on my Transunion XXXX XXXX profile. I did not authorize a credit score check by " XXXX '' nor do I have any information about this company. How do I request that they provide a reason as to why they obtain my credit score information from Transunion? 

Thank you, XXXX XXXX ( XXXX XXXX XXXX Cell
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted your office after I ordered a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time just today I have charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with the accounts listed below, so please help me remove this charge off including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. PLEASE DELETE THIS FRAUDULENT ITEMS : XXXXXXXX XXXX XXXX XXXXXXXX & XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX TU Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX TU XXXX XXXX XXXX TU XXXX XXXX XXXX XX/XX/XXXX {$150000.00} TU XXXXXXXX XXXX XXXX XX/XX/XXXX {$3000.00} TU XXXX XXXX XXXXXXXX XX/XX/XXXX {$22000.00} TU XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1000.00} TU XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$15000.00} TU These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I am filing this complaint as i have attempted to dispute the late payments on my credit report with Transunion as they have impacted my credit worthiness as a consumer of the United States. As of the FCRA 15 USC 1681B my rights have been violated as Ive NEVER given written consent to the credit bureaus to furnish those transactions as well as FCRA 15USC 1681a is another right of mine that was violated as this transaction was supposed to be exclusive between me the consumer and the creditor. Transunion has repeatedly sent me inconclusive responses simply stating they verified the disputed items but they have not sent me conclusive verification that Ive requested in the attached method of verification. Documents attached.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The accounts that I have reported : XXXX XXXX XXXX : Account number XXXX
Product: Checking or savings account

I rented a car in XXXX on XXXX XXXX, 2018. My total payments for the vehicle was {$630.00}, I gave a deposit for the vehicle with my second American Express card of {$250.00}, and then the {$630.00} with the silver card of American Express which I paid in full of the amount of {$630.00}, being this is a prepaid card and the monies there have to be deposit then used. Well, I called A. E. to  get my deposit from card # XXXX back for {$250.00}, being they are no pending charges from enterprise and AE tells me I have to wait 30 days for my monies that are a prepaid deposit for the vehicle I am cleared of with XXXX. 
I had an Agent from XXXX name XXXX, speak to a supervisor and representative there at AE and they still want to hold my monies 30 days without any sympathy if I have other bills or not or if this is just amount I deposit into my prepaid card ... These monies are mine and it should be returned not in 30 days, but in 3 days is acceptable ... I want to get my monies now. I had also called them telling them I needed {$50.00} of my money until it clears for medication and they said no. This is not their money it is mine and I want it back soi can close both accounts the XXXX one and the XXXX ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute this item on my credit. I contacted the creditor several times and provided documentation stating that the account does not belong to me and the creditor will not remove the account. 
I then contacted the credit bureau several times to dispute the account provided proof of identity theft such as a police report and the credit bureau EXPERIAN will not remove the account even thought sufficient documentation has been provided multiple times. 

I requested documentation from the creditor to see if the information matches mine such as signatures on XXXX  or address on file or any relevant information and the creditor is non responsive. 

Experian did not do a thorough investigation. This has affected my credit for XXXX years. I keep disputing and the creditor along with EXPERIAN will do nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XX/XX/XXXX add a hard inquiries on my credit reports per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/2019, XXXX XXXX XX/XX/XXXX add a hard inquiries on my credit reports per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/2019, CREDCO add a hard inquiries on my credit reports per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX  POWER OF ATTORNEY REVOCATION Use of this form is for the power of attorney of : - Health Care Powers- Financial Powers - Other : - XXXX, XXXX XXXX -, hereby immediately revoke those portions covering decisions of the document titled Auto Loan -, that I previously executed on the XXXX of _ XXXX _, XXXX which appointed XXXX XXXX XXXX _ as my agent and XXXX XXXX XXXX XXXX my alternate successor agent. I hereby notify said agents ) and any other interested persons and institutions that all portions of said document are revoked. 
This revocation takes effect immediately. A photocopy has the same effect as an original. 
This revocation was signed the XXXX of XXXX Signature of Principal XXXX cut Print Name Join XXXX -, 2024. 
NOTE : Provide copies to anyone who XXXX have copies of the XXXX of Attorney that is being revoked. Retain the original of this form in your personal papers. 
State of XXXX XXXX of XXXX On this XXXX XXXX XXXX of XXXX _, in the year 2024, before me XXXX XXXX _, a notary public, personally appeared XXXX XXXX - proved on the basis of satisfactory evidence to be the person ( XXXX ) whose name ( XXXX ) ( is/are ) subscribed to this instrument, and acknowledged ( he/she/they ) executed the same. 
XXXX XXXX XXXX my hand and official seal. 
Print Name XXXX XXXX My Commission Expires on XXXX XXXX, XXXX! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana XXXX XXXX XXXX XXXX XXXX Expires XX/XX/year> ( Seal )
Product: Debt collection

Received a bill from Aargon collection company of club dues. I was not given opportunity to dispute the item.
Product: Credit reporting or other personal consumer reports

I have several inquiries, collections, and car loan on my report that DO NOT belong to me. I disputed through the 3 credit bureaus and started getting harassing phone calls from collections. And nothing has changed on my credit report due to a data breach I have to suffer the consequences.
Product: Debt collection

XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX, XXXX TN for {$100.00}. I responded that I disputed the collection attempt because I had never received an invoice from XXXX Hospital. They responded with " proof of debt '', {$99.00}, that had a name that matched mine but no address, phone, DOB. I took the documents to the XXXX XXXX of my family doctor to inquire if I actually owed them anything. They found in their system that I owed them {$2.00} which I did not need to pay. They gave me the phone number ( XXXX ) of XXXX lab and imaging billing which I called, they found me in their system and stated I had no outstanding balance. They transferred me to a separate billing dept. which stated the same. I sent XXXX a letter with this information and never received anything from them after. Then in XX/XX/XXXX, over a year later I received a collection letter from Paragon, XXXX NC, for the same disputed debt from XX/XX/XXXX. I responded to them, they responded by sending me " proof of debt '' for {$100.00} that had a name that matches mine, incorrect phone number, no address, no date of birth, etc, and they reported this as " bad debt '' to the credit reporting companies. As instructed by my attorney I am now reporting this to the CFPB.
Product: Debt collection

This debt was notified that it was resulted of identity theft. I contacted NRA through the CFPB regarding this debt. Stated on XX/XX/2024XX/XX/year> this debt was supposed to be removed and closed I have an updated report on XX/XX/2024 stating this debt is reported. Im making another complaint regarding this collection this company has not yet removed off my credit report but has updated on my credit report regarding my remarks.
Product: Student loan

I need all discrepancies removed and account closed because I feel deceived.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX, I had a fraudulent check to clear my account with XXXX XXXX. It took them exactly 14 days to give me my money back, which threw me further behind, I was paying AF XXXX about XXXX every 2 weeks fir about 9 months and my credit limit was only XXXX, The bank closed my account so that whoever sent the check through wouldnt be able to do it again. I called AF247 to try to set up payment arrangements, I was told I couldnt set up arrangements and I had to just catch my payments up which I couldnt afford to do, I was strong paying them XXXX every pay period. I didnt hear anything else from them until XX/XX/XXXX stating they sold my account to a collection agency and the amount is now almost XXXX, They wouldnt work with me and now they have doubled the amount as if I havent paid them anything, and reported it to the credit bureau. Thats really wrong of them, they wouldnt set up arrangements with me, never tried to continue me, unless they blocked their number and it came accords as spam risk. I sure Im not the only one theyre doing this to, Im willing to pay what I owe, but I know I dont owe nothing close to that, can someone please help me because this is definitely unfair
Product: Credit card or prepaid card

On the    XXXX   XXXX   XXXX   I  tried to pay my balance on my credit card.I called the number listed.   I heard about every  3rd w ord from the customer service person. I would like to add that making payments before due dates are not as straight forward as they need t o be .I 'm wond ering if this is not intentional. It should n't be that hard to pay your bills.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNKNOWN ACCOUNT XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$320.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$790.00} ; XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : XXXX ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BalanceOwed : {$590.00} ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  ) XXXX BalanceOwed : {$1700.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am requesting this complaint about my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the accounts on the credit report is incorrect and need to be corrected.XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to purchase a car and during the negotiation of the car they asked to run my credit, I asked how many times they were going to run my credit which will result in a hard pull on my credit report, they told me that they were going to only do one hard pull on my credit. When I check my credit report I see that I have two credit inquires from XXXX XXXX and XXXX XXXX XXXX XXXX in which I did not authorize since I was told that the hard pull that they told me about would be for another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to Equifax for months now and I have repeated myself over and over again. I am extremely concerned about the actions Equifax is having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX) XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XXXX