23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/year>, I took out a loan with OneMain Financial for {$6000.00}, which included mandatory add-ons like credit insurance and origination fees, increasing the total loan balance over {$6000.00}. Although I signed the contract, I was not fully informed about the true cost implications of these terms. Since XX/XX/year>, I have made monthly payments of {$230.00} at minimum, totaling around {$7500.00}. Despite this, my outstanding balance remains {$5100.00}, demonstrating that most payments have only covered interest with little impact on the principal. 

There are several key issues. First, the excessive interest rate of 32.13 %, combined with mandatory fees, has resulted in my paying more than the original loan amount with nearly the entire balance remaining. Although I signed the contract, OneMain did not make the long-term financial burden of these terms clear. This payment structure effectively traps me in debt indefinitely. Second, while the insurance and fees were technically disclosed, they were presented as mandatory, which limited my ability to reject them. This lack of choice forced me into a loan with higher costs than I initially agreed to, resulting in financial harm. The forced addition of these products could be seen as a deceptive practice that increased my financial burden unnecessarily. Lastly, although OneMain disclosed the interest rate, they failed to provide essential information such as an amortization schedule or cost projections showing that my payments would barely affect the principal. This lack of transparency prevented me from making an informed decision, resulting in significant financial harm. Compliance with minimum TILA disclosures does not excuse the omission of practical repayment insights.
Product: Checking or savings account

my computer was hacked by people saying that they were from amazon security this was on XX/XX/2020 they told me that i had to help them by depositing money in banks in XXXX  the amounts were XXXX XXXX XXXX XXXX and again XXXXthey told me i had to do this when i told them i felt threatend the y said they were threating me and if i didnt do this they would come and commit XXXX  I was under XX/XX/XXXX son i submitted to ther demands after it was done they called and laughed at me i am now devistated. please help me hanover chas e is my bank in XXXX ca, I have tried to con tact them but with no rethe other organizations i have reached outsponce i filed with both lacal XXXX pd and then with the FBIcase no. is XXXX XXXX i have reached out tothe veterans administratio because i am a retired XXXX XX/XX/XXXXXXXX  XXXX error they could not help others i have reached out to are XXXX XXXX XXXX XXXX XXXX XXXX. i spoke chase global XXXX XXXX XXXX XXXX they do not respond to me.spoke to XXXX XXXX  at XXXX XXXX on XXXX XXXX XXXX XXXX XXXX ca she said she would stay in touch along with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an error to Experian Credit Bureau regarding the amount owed on one of my accounts ( XXXX XXXX XXXX XXXX  ) which is reporting inaccurate information on amounts owed. They reported {$9900.00} However the amount should be much less. I have being paying on this account for the last XXXX years since XXXX of {$190.00} per month. The original amount was {$10000.00} at around 15 % interest and very little has been reduced. There is also the issue surrounding not being able to use the timeshare during the pandemic and that this account should not be reporting late payments based on my complaint about not being able to use the facility during the pandemic months and during which should be wiped out. I notified the creditor XXXX XXXX that this is possibly a violation against me as a consumer rights to not be able to use the facility but they still charge me and refuse to credit me since I wasn't able to use it during the pandemic months but instead they reported me late on payment. 

Based on these facts, I submitted a dispute on XX/XX/XXXX regarding XXXX XXXX 's inaccurate reporting. Experian took past 30 days to investigate and respond.to my complaint. When I notified Experian they should delete the account belonging to XXXX XXXX for investigating the dispute past 30 days they did not adhere. I am attaching evidence showing the time I opened the dispute and the time the got me the results. This should be removed from my credit according to FCRA rules consumer reporting act.
Product: Debt collection

My daughter received medical care at XXXX XXXX back in XX/XX/2012. On the date of service in question, my daughter was covered by Medi-cal ( XXXX California ). The hospital is stating I failed to provider her medical insurance information and this is not true. I contacted Grant and Weber several times to explain what happened, they are not willing to adjust the balance or to bill Medi-cal as they are saying bill is out of timely filing and balance will not be paid by Medi-cal. This is not fair, and also under title 22 in the State of California, If my daughter had medi-cal and I was able to prove it, they are suppose to write off the balance. Grant and Weber are refusing stating this is not true. They want the money from me and that 's all they care about. I have proof my daughter was covered by insurance. I also tried to get help from XXXX and they were on the side of the debt collector, so if you can help, I will be grateful.
Product: Credit reporting

I went to XXXX like I have in the past to order a free credit report from XXXX of the XXXX bureaus. My plan was to do XXXX every 4 months like I had in the past. I went through bankruptcy in 2011 and have been rebuilding my credit since then -- this is the XXXX time I have tried to order my credit reports since that time. I wanted to establish a payment history with a small credit card my credit union issued me. I went through the ordering process for each bureau, and for each XXXX, I was notified that I would not be permitted to order online. I would need to order by phone or mail. I had been using XXXX browser and decided to try XXXX and the same thing happened. I 'd many times in the past ordered my free annual credit reports online. Even when I ordered for the XXXX time online I was never declined and asked to do request by mail or phone. The only thing that has changed is that I went through bankruptcy. To me there is no reason that I should have to order by mail or phone when I was very careful to verify exactly who I was correctly online for all XXXX bureaus. I realize I 'll probably have to call XXXX of the bureaus just to get on with this, but this bothers me very much -- I feel singled out based on my bankruptcy filing. Of course I have no proof of this, but I still felt I should report it to you. People trying to come back from bankruptcy should n't be made to jump through this extra hoop. I 'd appreciate being able to monitor my credit report just like everyone else -- by ordering online -- a method that is far more preferable to me. Thanks for listening. Best, XXXX
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 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 an account without my written instruction. 

The accounts that have violated my rights, will not share the information with me such as where the account came from, or account numbers are as follows. 

XXXX XXXX XXXX. they have harassed me and don't even show that that they were charging my card payments. 

XXXX XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX Solutions, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account ALLY FINANCIAL Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that ALLY FINANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 Credit Bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$7500.00}
Product: Credit reporting or other personal consumer reports

The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has negatively affected the consumers ability to attain credit and services for Personal family and household usage. Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties of the Agreement.

Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records
Product: Credit reporting, credit repair services, or other personal consumer reports

i discovered an item on my credit that was opened in XX/XX/2013 the account in question is a Motorcycle loan from XXXX XXXX. 
An ID Theft Report was filled out, and sent to the major CRAs XXXX, XXXX, EQ. It should be noted because XXXX and EQUIFAX is now attempting to be in the XXXX XXXX XXXX they are violating privacy laws sending affidavits to various organizations without the permission of the victim. She requested the CRAs block fraudulent information resulting from identity theft, as required by Section code 605B Block of the Federal Credit reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.Despite my three previous requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re- investigations, you stated that you " verified '' that these items are being " reported correctly ''? You still have not identified WHO in your COMPANY VERIFIED the accuracy of these accounts or HOW they verified them? I 've yet to have received a SIGNED contract between me and the alleged company. As previously pointed out to you, Black Law Dictionary, 6th Edition, 1990, defines " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party '' .At this time your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this this they must have 1st hand knowledge of the alleged account ( s ) and all that has transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you ca n't properly " Verify '' the accuracy of any of the disputed accounts. Please be advised that Under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section617 if the UNVERIFIED items listed below are not deleted within 10 days. A copy of this complaint along with the three others will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with the Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all the unverified accounts listed below immediately & provide me with a copy of updated and corrected credit report showing that these items have been deleted.
Product: Checking or savings account

I received a Chase Bank Visa debit card in the mail stating that the card was associated with a checking account. The last four numbers of the checking account are on the paper with the card. I did not activate the card, it has my first and last name on it, and it was sent to my home address. I have never had an account or done any banking with Chase. When I called Chase, they confirmed that the account was created online with my SS # in XXXX. The bank found it suspicious and closed the account in XXXX. No charges were made, but it seems that someone has my SS #, date of birth, first and last name, and my home address.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN Charged off : XXXX XXXX  XXXX Balance : {$30000.00} -Evaluate this reporting by making a revision of the information provided. Charge off account should show a {$0.00} balance so why is it that there is a {$30000.00} balance indicating if it is a charge off account. Please stop this erroneous reporting ASAP. 

Collection : XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} -I would like you to review the date this collection was first assigned and the date of the last activity. I don't think this collection is 100 % accurate, please remove this item immediately XXXX Charged off : XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$10000.00} -These particular accounts are undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$30.00}, XXXX and {$10000.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$14000.00} Closed Account number XXXX Account status Closed Date opened XX/XX/2014 XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This grumbling to EXPERIAN was the after effect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting information on my credit file. XXXX and XXXX have already updated my credit file with the deletion of the ese inaccurate items. Items include XXXX ( Acct # XXXX ), Late payment ( XXXX XX/XX/22 ), and ( XXXX XXXX XXXX  XXXX  ) ( Acct # XXXX ). I have attached the deletion of the XXXX account and the confirmation number of the late payment deletion is ( XXXX ) for XXXX. Furthermore, ( XXXX XXXX XXXX  XXXX XXXX ) is not reporting on any other credit report besides Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate have past due balances PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS - XXXX XXXX XXXX XXXX Balance {$10000.00} Account # XXXX Violated MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to XXXX XXXX compliance i Demsnd : - Original Contract - Creditor info - Payment History - Requesting for documentation that gives me the options to opt out to a non affiliated third party prior to them reporting it 15 USC 6802
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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
Product: Debt collection

This was a pre-paid installment loan that I was paying until I contracted XXXX XXXX for the XXXX  time and suffered XXXX  and XXXX XXXX. I requested to close this account, which they did. But I did not receive notification that this was going to be placed on my credit report anyway. In XX/XX/year> I starting disputing the information on my credit report, which they have only updated.
Product: Debt collection

Text received on XX/XX/2019 and XX/XX/2019. 

Please contact MRS Assoc. regarding a XXXX matter at ( XXXX ) XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. MRS is a debt collector. Further details have been mailed or emailed. Please review your email inbox, junk, or spam folder. Prefer to chat? Visit us at www.mrsbpo.com and chat with a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my XXXX credit report and I've disputed them several times with the company and XXXX  and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX/CBNA  XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX NA XX/XX/2021 CBNA XX/XX/2021
Product: Checking or savings account

All of a sudden, this month, I was charged a {$3.00} paper statement fee on my savings account. I have never had paper savings account statements mailed to me and never requested them. Truist apparently combined my checking and savings statement into one statement ( without notifying me of their intention to do so and without my consent to do so ) and is now assessing my savings account with a {$3.00} monthly fee to receive this statement. Although I do receive a monthly checking account statement in the mail, I have never been charged for that. And I certainly want that to conrtinue. 

Doesn't the federal E-Sign Act prohibit financial institutions from charging for paper statements when the consumer does not consent to electronic statements? Doesn't the financial institution have to provide paper statements, at no cost, although they may offer a discount to those who want to receive electronic statements? And how is this fair to someone who may not have access to the equipment needed to access and download statements online? Why should they have to pay more for something for which they may have no other way of accessing? 

This is completely unfair for them to charge this fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX ONCE AGAIN IS BIAS AND SHOW FAVORITISM WITH INVALIDATED COLLECTION AGENCIES. DELETE THESE ITEMS OR BE SUED IN CLASS ACTION AGAINST EQUIFAX, XXXX XXXX   AND XXXX XXXX XXXX.
Product: Checking or savings account

Someone walked into a Citibank branch office in XXXX XXXX, FL and withdrew money from my account. I live in XXXX. Its been over 30 days and Citi can give me no info on the progress of their investigation and the money has not been credited back to my account. I signed and hand delivered the return to the bank as well as faxed it back and mailed a copy back. Still no solution.