23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Resurgent/LVNV Funding is contacting me again ; EVEN THOUGH XXXX XXXX XXXX HAS DELETED MY ACCOUNT AND IS PAID TO XXXX. THE XXXX XXXX XXXX ACCOUNT HAS BEEN DISHARGED AND DELETED FROM MY CONSUMER REPORT! 
THIS IS A COMPLETE VIOLATION OF FDCPA -AND I HAVE EXPLAINED IN DETAIL BELOW AND ATTACHED PAID OFF ACCOUNT WITH PROOF XXXX. 
I HAVE ALSO SENT TO MY STATE OF MICHIGAN ATTORNEY GENERAL XXXX XXXX. 

RE : CLAIMS AND FAIR NOTICE XX/XX/23 2ND CEASE AND DESIST NOTICE AFTER THE XXXX XXXX ACCOUNT HAS BEEN PAID TO XXXX BALANCE AND DISCHARGED WITH PROOF. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorney XXXX XXXX Michigan Attorney General XXXX XXXX XXXX XXXX XXXX, MI XXXX RESURGENT/LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing this letter to formally enforce my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., in relation to the alleged debt you are attempting to collect from me. Delete your account from my credit report across all agencies now! You at LVNV FUNDING/RESURGENT ARE RUINING MY CREDIT. I WILL ENFORCE CLAIMS OF {$10000.00} FOR EACH VIOLATION. 

I have received communications from your agency regarding the debt in question, and I believe that your actions XXXX constitute violations of my rights as outlined in the FDCPA. Therefore, I am requesting that you cease all communication with me and take the necessary actions to comply with the FDCPA immediately. 

Specifically, I believe the following FDCPA provisions have been violated : Section 805 ( c ) : Communication with Third Parties I have reason to believe that your agency has communicated or disclosed information about my debt to third parties, which is prohibited by the FDCPA.

Section 807 ( 5 ) : Threatening Legal Actions I have received written correspondence from your agency that suggests legal action XXXX be taken against me without any intention or legal basis for such action. This behavior is in violation of the FDCPA. 

Section 807 ( 10 ) : Using False Representation or Deceptive Means Your agency XXXX have used false, deceptive, or misleading tactics in attempting to collect this debt, in violation of the FDCPA. 

Under the FDCPA, you are obligated to cease all communication with me until you have fully investigated and remedied these alleged violations. 

Please consider this letter as a formal dispute of the paid off debt as well as a cease and desist request under the FDCPA. I request that all communication regarding this debt be halted immediately, and I expect you to respond to this letter in writing within 30 days. 
Failure to comply with the FDCPA XXXX result in legal action, including a lawsuit against your agency. I trust that you will take this matter seriously and act promptly to rectify any violations. 
Enclosures : XXXX XXXX XXXX IRS Discharge of Debt Proof 1099B
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer privacy and confidentiallity under 15 USC 1681.

15 USC 1681 Section 602 A States I have the right to privacy.

15 U S C 1681 Section 604 a Section 2 it is also states a consumer reporting agency can not furnish a account without any written instruction.

USC 1681 c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the items of information .Any other adverse item of information other than record s of convictions of crimes which antedates than seven years.

USC 1681 s-2 ( A ) ( 1 ) 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. 

XXXX XXXX XXXX {$13000.00} - XX/XX/2023 XXXX  XXXX XXXX {$1100.00} - XX/XX/2023 XXXX  XXXX XXXX {$4000.00} - XX/XX/2023 XXXX  XXXX XXXX {$4700.00} - XX/XX/2023 XXXX
Product: Money transfer, virtual currency, or money service

TIAA Cref automatically deposits an annuity payment in my bank on the XXXX of every month. 

In mid XX/XX/XXXX2020, I changed banks and confirmed on the website and by phone that the new bank was correctly identified. I was assured by phone that the change would take place on XX/XX/XXXX and there would be no problem. 

On XX/XX/XXXX the deposit never arrived in the new bank. I found that their website had reverted to the old bank and sent the deposit to them ( where I no longer was a customer ). I have tried on multiple occasions to update the bank information. Each time the new bank is accepted and I'm issued a dated/time stamped receipt for the change in information. And each time it reverts back to the old bank. 

I eventually was able on XX/XX/XXXX to reach a supervisor at TIAA Cref who took my information by phone and stayed on the line while they confirmed that the system took the update. She said she could NOT send my money to me any earlier than 7-10 days by printed check mailed to my home. I did receive the XXXX check on XX/XX/XXXX. Today ( XX/XX/XXXX20 ) I checked the website again to assure myself that the new bank would be used for the XXXX deposit as promised by the supervisor during our phone call. 

The website still reverts back to the old bank. While I have a verbal assurance that my check will be properly deposited next month, that seems pretty weak. I believe they are " working the float '' to their advantage and not in keeping with their agreement to me to have the funds available on the XXXX of every month.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXXXX/XX/year> To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) 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 demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
I demand my date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Sincerely, XXXXXXXX XXXXXXXX
Product: Debt collection

Continuance of prior complaint XXXX I went through 3 different collections agencies harassing me for this debt, each time disputing the validity and all they did was sell it to someone else. The last company finally sent it back to PNC and removed it from my credit report. I thought PNC had realized its error when the reference was removed from my credit report. I have never had a loan with PNC Bank and received no notification of any loan being sold to them, and all of my student loans remain with my original lender. PNC Bank ( XXXX XXXX ) sent me a letter on XX/XX/XXXX saying she was investigating and would revert via mail. That is the sole contact I had from PNC, even after filing a complaint here, with the PA XXXX XXXX XXXX and PA Attorney General. Then a week ago I received a letter from XXXX XXXX XXXX obo PNC Bank saying the loan at issue here had been cancelled and implicates my taxes. Today, I received a letter from the IRS. I am very upset and angry with PNC and that this is still going on, 2 years later from my complaints, which were already at my wits end from bullying and lack of any substantiation whatsoever from PNC that this debt is actually mine ( because it is NOT ). That started XX/XX/XXXX. It is impossible to respond to, at this point, the demonstrable bad faith and utter malfeasance of this enormous bank. I require your help, yet again from this horrible and unethical company.
Product: Debt collection

This was paid off long ago. I paid it over the phone and did not receive any confirmation. It is still showing on my credit as being owed and I still get phone calls.
Product: Credit reporting or other personal consumer reports

XXXX has removed me as the co-signer for these loans. Which was granted in XXXX of XXXX  due a permanent XXXX. 

The loan 60 days passed due and is now in default. This information has been sent to all 3 credit bureaus resulting in a lower credit score. 

I have called XXXX at least 3 times, as well as disputing this issue via the credit Bureaus, with no results. 

XXXX student loan is also affiliated with XXXX This issue needs to be addressed and corrected with all XXXX credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report I have already disputed these items with the bureaus but they did not remove nor prove validation. 

under sec. 602 " I have a right to privacy '' XXXX XXXX Account Number : XXXX XXXXXXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a line of credit with a local department store and was denied. After being denied I pulled a copy of my credit report to see what was on it found several account that need to be removed because they are not mine. The accounts are XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX, and one with just an account number and no name, acct # XXXX. There are also numerous inquiries as well : 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: Student loan

I consolidated my student loans. Somehow one loan was left out. I recieved collection papers from National Recovery Services on behalf of the department of education. I attempted multiple times to make payment to National Recovery to avoid garnishment. National Recovery would not accept payment because my last name is now hyphenated. They requested a copy of my drivers license before payment could be accepted. I sent a copy of my drivers license to them via email. They confirmed receipt. A month later it still has not been updated " in their system '' and they still claim they can not accept payment. I filed a request for hearing with the department of education to stop garnishment while waiting for National Recovery to update their system. My request was granted by the US department of education and garishment was stopped. I have a letter stating the US department of education granted me and extension. However, National Recovery proceeded to contact my employer and initiate garnishment! National Recovery is garnishing my wages on behalf of the US dept of education illegally and they are garnishing my wages under my maiden name. It makes no sense to me that they garnish my wages under a name that is not my legal name but they can not accept payment now that my name is hyphenated. I have done everything within my power to make payments to National Recovery. The US department of education states the garnishment order was stopped. However, National Recovery has proceeded to garnish my wages without proper authority and in my belief in violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00}, XXXX XXXX XXXXXXXX Balance XXXX -, XXXX XXXX XXXX XXXX XXXX XXXX : {$100.00}, XXXX XXXXXXXX Balance : {$570.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$690.00}, 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

Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile and in accordance to the FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 602 A states I have the right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent
Product: Credit reporting or other personal consumer reports

I have submitted docuents that all my XXXX loans had been repaid prior to a XXXX loan conslidation and that 2 other loans issued by XXXX had been dischagrged in a a XXXX XXXX bankruptcy and that the loans that should be in repayment are loans with a disbusment date of XXXX or higher with the expection of the XXXX XXXX and the total amount for the XXXX consolidation should be XXXX or only loans assocaited with XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

I have not recived a call or any correspomndeence fro the departpatment of education since my inquiry back in XXXX and subswuent inquiry as outinined in attachements There seems to an issue on wether the XXXX XXXXs werer Priviate/ Altertative loans the gurantor states that they are Priviate/ Altertative loans. However regaldless the bankruptcy judge listed them on the XXXX dischagre papers and adversary proceeding was not required or necesaary as I was only discharging the XXXXXXXX XXXX  which I contend were provaite/alternive how does the gurantor of said loans try to take one to count in XXXX for non payment of said loans AES and Dept of ed have yet to expain why a XXXX AES loan that was never funded / canacleed appreas on the XXXX when I never excuted or requested a that loan
Product: Debt collection

I believe the account is invalid. CAWLEY & BERGMANN needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

CAWLEY & BERGMANN Original Creditor : XXXX XXXX XXXX XXXX Reference # : XXXX
Product: Debt collection

HELLO, I HAVE NEVER HEARD FROM THIS COMPANY, NEVER HAD ANY COMMUNICATIONS WITH THEM ; AND OUT OF THE BLUE, THEY REPORT ME TO CREDIT COMPANY, XXXX XXXX DOLLARS. THEY HAVE VIOLATED MY RIGHTS TO VALIDATE OR DISPUTE THIS ISSUE AND WHEN I SPOKE TO A CONSULTANT, XXXX, HE SAID THEY WERE MAILING IT TO MY PREVIOUS ADDRESS WHICH IS UNTRUE, BECAUSE MY MAILS FORWARDED TO THIS ADDRESS MY ACCOUNT NUMBER WITH THIS COMPANY WHICH THERE REP GAVE ME IS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported XX/XX/2020 30 days late to all the credit bureaus. I made the payment at or before the XXXX XXXX  Mountain time cutoff but the transaction history shows that the payment was made at XXXX XXXX so they processed the payment on XX/XX/2020. This caused the account to appear to be 30 days late. I called and asked them to correct the issue and they said that they could not and the issue is closed with their Consumer Escalations department. I told them that I would be filing a complaint with this agency and they responded that they would not remove it and the case is closed. This report is inaccurate because I was not 30 days past due and this has completely damaged my credit rating and caused me to be rejected for a refinance of this mortgage. I just want this to be corrected as soon as possible.
Product: Checking or savings account

I am lodging a formal complaint against Truist Bank for their failure to provide adequate customer service and accurate information regarding my account documents. On XX/XX/2023, I contacted Truist Banks customer service for clarity on my personal account deposit agreement, specifically regarding the processing of social security XXXX payments. At my previous bank, such payments were accessible up to XXXX days earlier. 

To my dismay, the customer service representative declined to discuss this matter and instead, directed me to visit a branch. This was not feasible due to my work hours overlapping with the branchs operational times. Upon requesting to speak with a supervisor, I was eventually connected, but received only a subjective interpretation of the deposit policy. When I insisted on receiving the policy in writing, the supervisor placed me on hold, which resulted in a call disconnection.

Moreover, Truist Banks claim that account information is readily accessible online through my business account is misleading. The only document available is the online banking terms and conditions, which does not cover the necessary details.

I assert that Truist Bank has been deceptive and negligent in failing to provide customers, including myself, with physical copies ( whether through email, online account, or postal mail ) of crucial documents such as account terms and conditions, deposit agreement, and fee schedule.

This experience has left me with serious concerns about Truist Banks commitment to transparent and customer-focused service.
Product: Credit card or prepaid card

Capital One continues to send me clickbait promotional pre-approval to apply for Credit Cards with no intention to keep my account open. This is the second time this happened that I applied for a Credit Card using a Pre-approval received in the mail, only for the account to be closed a week later. 

Capital One is taking advantage of vulnerable consumers who are working hard to re-build their credit history and are more likely to apply for a pre-approval for credit to start rebuilding their credit. I've spoken to someone from Capital One on XX/XX/XXXX, whom agreed that it's not right to send pre-approvals to consumers who are " blacklisted '' in the system with no intentions of actually keeping their account open, but there is nothing that can be done. 

This impacts my Credit Report, and now I have to wait 18 months for it to drop off. 

I also waited 30 minutes on XX/XX/XXXX on the phone as I requested to be taken off all promotional services advertisement in Capital One because they are misleading, but the Customer Service representative ended up NOT removing me and just telling me to call back at another time. They are not executing requests to be excluded from advertisements upon request by the consumer. 

Here are the notable events : 1. In XX/XX/XXXX, received a " promotional pre-approval '' in the mail from Capital One for a Quicksilver Credit Card. 
2. On or about XX/XX/XXXX, acted on pre-approval, received a Credit Card a week or two later. 
3. A week after having the Credit Card, my account was closed. I called in on XX/XX/XXXX and received no information. I filed a separate complaint with CFPB regarding the incident. 
4. On XX/XX/XXXX Capital One called me and said ( for the first time ) why I was removed which was some high level business reason ( no bad history with Capital One ). In any case, they said they can't remove the inquiry. They agreed its bad consumer practice to send advertisement to consumers that are blacklisted in the system, but said it is what it is. 
5. On the same call on XX/XX/XXXX - I asked to remove my information from any promotional advertisement, they transferred me to some department. I spent 30 minutes on the phone and the customer service representative ended up NOT removing my information and said to call at another time. 

In summary, there is some scheme going on at Capital One to open accounts ( maybe a business reason ) without intention to keeping them open and also to make it impossible from consumers to be taken off advertising lists.
Product: Money transfer, virtual currency, or money service

Back in XXXX I traveled to XXXX and once there i tried to open my Coinbase phone application to check my balance and see how my XXXX investment was doing. 
I follow the steps and at the end i couldn't open it. 
Once i came back to XXXX XXXX, Ca i tried to recover access to my phone application/my account and it displays a message saying that i tried to use the application in an unauthorized country. 
I email Coinbase and i provided all the documentation they asked for to verify my identity ( My driver license and a bill with my current address ) proving that i lived in USA Customer Service replied to me that i will be contact once a specialist review my case and as of today XX/XX/2021 I have not hear from them. I have tried to contact tweeting them and no answer. 
Since i emailed Coinbase multiple times i have two cases number. 

Thank you