23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Online Collections has entered into collections activity prior to validating a debt and has not submitted any documentation to support your claim. 


I have no idea who Online Collections is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Online Collections is indicating that an account with the account number XXXX was opened with their company in XX/XX/2020. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have attempted to contact Online Collections via certified mail RR # XXXX XXXX XXXX XXXX XXXX and they have chosen not to provide the information requested. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Online Collections as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ Online Collections } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to Online Collections, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative  information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Checking or savings account

I opened an account, made a deposit in the amount of XXXX using my paycheck. The fund was cleared and was in the account balance for a few days. Out of the blue, Wells Fargo claimed I still owe them money from 5 years ago and took my money and closed down my account. I have no prior experience with Wells Fargo nor even know that I owe them.
Product: Debt collection

My credit application was recently denied, and according to the online credit report that I received less than days ago from the agency denied credit to me, your COLLECTIONS COMPANY issued the report that was used to determine my credit evaluation.   Secti on 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting.    In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered these disputed items on the attached c opy. The reasons why these items should be deleted are indicated below : MEADE & ASSOIATES #   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to each credit agent stating that they need to send information obtaining this information via mail. And I didnt receive any type of validation from any bureau. I was just told they will not remove. But they wont send any proof of where they got this information. And they are required by federal law to provide court documents directly from the court to put on my credit. Or a signed document from myself. 

Per the FCRA 623 ( a ) ( 5 ) : If the credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify-through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Product: Checking or savings account

I opened a new Business Checking account with PNC on XX/XX/23. I was excited to start my new account with a company that is for small business. 

I then made three transactions to deposit money into this account. 
On XX/XX/23 I moved {$5000.00} into this account through a transfer from another bank account I own. 
On XX/XX/23 I moved {$10000.00} into this account through 2 cashier checks. These were banks that I had closed out, and I immediately took the cashier checks to PNC. 
On XX/XX/23 I moved {$89000.00} into this account through a check from my personal bank account. I had to move money from a personal savings account, into my personal checking account. I then wrote my business a check from this account. 

My financial advisor told me it would be a good idea to move the money I had saved for buying a house, into my new PNC account. Since my business shows more income and it would allow me to get a home loan. 

Fast forward to XX/XX/23, I go into the bank and ask to get a few checks. I have some bills I need to pay. The teller notifies me that she can not give me a check and that my account is frozen. I am now trying to figure out why my account is frozen. The only thing they have told me is that they think it is because I had large deposits to a new account. Which I have a paper trail for everything I have deposited... But if this is the case, it is very frustrating that I have been given no update on this. I was never told my funds would be frozen. I was never asked for any information or documentation. 

If bringing my hard earned money over to their account is an issue, I will gladly close my account and go elsewhere...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 : states I have the right to privacy.

15 USC 1681 Section 4 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I have contact Equifax to remove all fraud alerts On XXXX I requested a credit from my annual credit report from Equifax after reviewing my credit report. I see a section on my report called " Credit File Status '' in this section Equifax as noted " Fraud Victim Trade Alert '' I have request statement to be remove. I also requested they unblock my file XXXX Purpose. Having this statement of Fraud Victim Trade Alert has given creditor that look my credit report to turn my down for credit. I also request for the explanation of this statement and what account they are referring to. I have also instructed them to add my contact phone number to my consumer file under personal information.
Product: Checking or savings account

XX/XX/XXXX XXXX  debit account XXXX Called Bank of America last week to have this all taken care of due to poor bank management. 
Bank of America agreed it was a mistake on their end and refunded overdraft fee of {$35.00} Today, notice account is overdrawn XXXX for same XXXX  payment of XXXX that was declined by Bank of America and another {$35.00} overdraft payment. 

Bank of America will not reverse overdraft even though they reversed the XXXX payment. 

Bank of America is causing pain and suffering due to their shady tactics a d shady employees
Product: Debt collection

I have been receiving numerous phone calls on my cell phone that shows up on my CID with the name XXXX CA and a phone number of XXXX, which XXXX is my local area code. When I called back the recording said ZFN & Associates. On XX/XX/XXXX I was contacted by ZFN & Associates at my place of employment. A lady named XXXX XXXX stated that I owed a loan for {$4400.00} and it was deposited into my bank ( she knew my bank name ) on XX/XX/XXXX. She wanted my birth date. I told her I do not give out any personal information over the phone and if the debt is true she would have my birth date and I do not nor have I ever took a loan for {$4400.00}. I then told her NOT to call my place of employment. I called my bank and talked to the fraud department and they went through all of XX/XX/XXXX deposits and there was never a deposits for the amount the lady stated. Only deposits received were from my employer. On XX/XX/XXXX I received XXXX more on my cell phone from XXXX CA and also at my place of employment. On XX/XX/XXXX I received XXXX phone calls on my cell from XXXX CA and XXXX at my place of employment. When I called back I told the lady I do not know of this debt and because I have not received a validation of debt that this debt is not valid. Also reminded her to NOT call my place of employment again. Which I 'm sure they will from the search I have done on them. From what I have read this place is a scam.
Product: Credit card or prepaid card

Due to the pandemic, I was laid off from my job in XX/XX/2020. I called Fifth Third Bank at that time to see if they offered any assistance. At that time I was advised of their Covid-19 Payment Assistance Program, which would allow payment assistance for a predetermined amount of time. I was assured there would be no negative reporting to the credit bureaus while in the program. It was in XX/XX/2020 that I started the program. However, in XXXX and XXXX of XXXX, I was reported 30 days late to the credit bureaus. I am still currently in the program and have met and continue to meet all of my obligations under the program. I immediately called for help with this situation. I was advised that notes would be taken and someone would look into the situation. To date I have not returned to work, nor has this been resolved by Fifth Third Bank. Im very thankful for the program as it has been a tremendous help. I would just like the negative reporting while in the program to be removed.
Product: Checking or savings account

On XX/XX/XXXX our account at Sofi was compromised. Two unauthorized XXXX  of {$600.00} and {$400.00}, an unauthorized debit of {$110.00}, and a XXXX XXXX XXXX  of {$8.00} were all charged to our account. We contacted support on XX/XX/XXXX and I provided a valid California state drivers license to verify my identity. 

The unauthorized Zelles were refunded on XX/XX/XXXX and the unauthorized debit was refunded on XX/XX/XXXX. The XXXX XXXX XXXX is still under investigation. 

On XX/XX/XXXX, the bank withdrew {$2900.00} from our checking and {$43000.00} from our savings reducing the balances in those accounts to {$0.00}. 

In Sofi 's terms of use for XXXX XXXX  XXXX ( https : //www.sofi.com/terms-four/ ), it clearly states that a XXXX XXXX XXXX loan can only used for purchase amounts above {$50.00}. " a total purchase amount ( the Total Purchase Amount ) of at least {$50.00} from eligible merchants '' There does not appear to be anything in Sofi 's terms of use ( https : //www.sofi.com/terms-of-use/ ) that allow them to remove money from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX  XXXX XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX, ,I Applied For A Personal Loan With Wells Fargo Bank On About The XXXX Of XXXX, ,And Was Denied Again For The,20th Times??? etc, ,I Very Disappointed About This Decision, ,I Really Don't Understand What Happened, ,To My Credit, ,I Used To Have Very Standard Credit, ,Now My Credit Is So???? Up I Can't Even Get A Bank Loan Or A Credit Card, ,What Happened With My Credit, ,Last Time I Applied For Bank Loan And Card They Told Me My Income Was Too Low, ,This Was Back Year, ,XXXX, ,XXXX, '' XXXX, ,XXXX, XXXXand XXXX, ,XXXX XXXX Should Be Ashamed. Of What They Caused, ,They Are Really Messy, ,With This Issue, ,I Have A. Copy Of The Last Statement That Was Sent To Me From Them On XX/XX/XXXX, ,And Is Also Mentioned In The Letter, ,That There Was Too Many Accounts Open In My Name, ,How Is This Possible??
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' an account with XXXX XXXX XXXX account number XXXX**** they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. Transunion has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. They have also failed to supply me with document level contract to support the owner of the reported account. I have asked several times for this information to shown and supplied.
Product: Debt collection

Contacted my employer on the phone and stated that he was going to contact / call everyone at my employer until i paid the debt. Additionally, they called all my relatives harassing them about my debt, while they had all my contact information. I emailed them and verbally told them to only contact me through the mail and they ignored that and actually increased the harassment.
Product: Debt collection

The company involved is Bank of America. I have been a customer for over 20 years. 
I had a Company Credit Card, XXXX, with Bank of America. The company has stopped operating and credit card account had outstanding balance on the account. No one disputing legitimacy of this debt. 

I had a personal Joint Account ( XXXX XXXX XXXX ) checking account with Bank of America. The account was with my wife as a co-signatory. She did not have anything to do with the Company nor Credit Card account in question. 

Bank of America went in and took all of the money from my personal checking account minus {$100.00} to cover corporate debt. After the fact, I got a letter explaining that Bank of America exercised its right and removed money stipulating vague close in the agreement that allows them to do that without any court judgement. 

I have filed a formal complaint with Bank of America and after waiting over a month I received 1-statement-answer to read my agreement. 

Those unfair collection practices have to be stopped as innocent people get penalized because Bank of America has access to their account. And they do that without any warning or due process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my credit report as a result of Identity theft. These items are not related to any transactions completed by me.
Product: Credit reporting or other personal consumer reports

FCRA law was cited because my permission was not given for information that was reported on my report and was exposed in a data breach by the credit bureaus. Also, according to the fair credit reporting act federal law 15, USC 1681. I was promised accuracy in my report. There are errors that can not be validated or verified. Thats another reason. Im requesting any in all such information be removed.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX ( Account number : XXXX )
Product: Credit reporting or other personal consumer reports

I received the title for a car loan that I paid off with no lien holder and they will not remove the account off my account and claim thats its not in collections when it is
Product: Credit reporting, credit repair services, or other personal consumer reports

I.have some hard inquiries on my credit report I have no knowledge of, contacted XXXX to get help with removing them XX/XX/XXXX rep said they could n't help me with this. ( 1 ) XXXX XX/XX/XXXX( 2 ) XXXX XXXX XX/XX/XXXX ( 3 ) XXXX XXXX XXXX XX/XX/XXXX ( 4 ) XXXX XXXX XXXX via XXXX XXXX  XXXX XX/XX/XXXX ( 5 ) XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX ( 6 ) XXXX  XXXX XXXX XXXX XX/XX/XXXX ( 7 ) XXXX XXXX XXXXXX/XX/XXXX( 8 ) XXXX XXXX XXXX XX/XX/XXXX ( 9 ) XXXX XXXX XX/XX/XXXX ( 10 ) XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ( 11 ) XXXX XX/XX/XXXX (
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One, accessed my report without my permission which is a violation, pursuant to 15 USC 1681n. They put inquiries on my report on 3 dates ( XX/XX/XXXX ), ( XX/XX/XXXX ) and ( XX/XX/XXXX ). This has affected my credit. By these violations, Pursuant to 15 USC 1681n, I am entitled to {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY PERSONAL INFORMATION TO STEAL MY IDENTITY AND OPEN FRAUDULENT ACCOUNTS WITHOUT MY CONSENT AND KNOWLEDGE THEY ALSO FILLED OUT SEVERAL FRAUDULENT APPLICATIONSI am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Student loan

Coast professionals inc is the name of the debt collection agency who took oher my account. They basically asked me for all my personal information. I complied, and basically they are saying that all my XXXX dollar monthly payments have been over turned and werent accepted. Which is weird because I sent a fax with my credit card, routing number and account number and had at least XXXX bucks on the card and they didnt take any payments out. Very strange. Then they told me in 9 months my account would be in good standing if I maintain the XXXX dollar payments each month. So I recently talked to them and they told me they have to get me into another program since the payments never went through, them fed ex me and big packet with more personal information to fill out and send. I dont understand whats going on.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXXXXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account # XXXX, ( XXXX XXXX bank ) has violated my rights. 

15 U.S.C 1681 section 602 A : states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding my inability to access my credit report, despite multiple attempts to do so through the major credit reporting agencies ( XXXX, XXXX, and TransUnion ). This issue is preventing me from reviewing my credit information and addressing any potential inaccuracies, which is my right under the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue XXXX. Attempts to Access My Credit Report I have tried to access my credit report online via [ XXXXTransUnion XXXX on multiple occasions, but I have been unable to do so due to [ specific issue, e.g., " identity verification errors, '' " website errors, '' or " system issues '' ]. 
XXXX. Verification Issues [ If applicable ] The credit bureaus have repeatedly failed to verify my identity despite my providing all requested information, including copies of my government-issued ID, proof of address, and Social Security number. 
XXXX. Failure to Fulfill My Request Under the FCRA, I am entitled to XXXX free credit report per year from each bureau through XXXX. However, despite following the proper process, I have been unable to obtain my report.