23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Demand for Investigation and Legal Compensation Fraudulent Debt Collection by Caine & Weiner , Inc.

Dear Consumer Financial Protection Bureau ( CFPB ) /Federal Trade Commission ( FTC ), I am filing a formal complaint against Caine & Weiner , Inc. for multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Their unlawful and deceptive actions have caused undue stress, harassment, and financial harm, for which I demand legal compensation. 

Caine & Weiner, initially through an agent named XXXX XXXX, falsely claimed that I owe {$8800.00} on a completely unverified debt that has no legal or contractual basis. After I sent a cease-and-desist notice and lawful responses disputing the claim, they reassigned the case to another agent, XXXX XXXX, in an attempt to continue their deceptive collection efforts.

Violations of Federal Law : XXXX. Acquiring and using my private information without my consent. 


XXXX. Attempting to collect a debt without verification or a valid contract. 


XXXX. Adding interest and fees to a fabricated, unverified claim. 


XXXX. Repeatedly contacting me via mail, email, and phone after receiving cease-and-desist notices. 


XXXX. Switching from one agent to another ( from XXXX XXXX to XXXX XXXX ) after I provided lawful responses disputing their claim, in an attempt to circumvent legal procedures. 



My Demands for Legal Compensation : I request that the CFPB/FTC take immediate enforcement action against Caine & Weiner for their violations and hold them financially accountable. Specifically, I demand : Monetary damages for every instance of illegal contact, including unauthorized use of my personal information, deceptive collection attempts, and harassment.

Statutory penalties against Caine & Weiner for their FDCPA and FCRA violations.

An immediate cease-and-desist order preventing them from contacting me again regarding this fraudulent claim.

A full investigation into Caine & Weiners practices, including how they obtained my private data and their pattern of illegal collection tactics.

This company is engaging in fraudulent, abusive, and deceptive practices, and they must be held accountable. I expect swift action on this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

the companies XXXX  and Equifax are showing my adverse information without my consent, harming me for the acquisition of services or goods
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 after Equifax had the worst security breach in history, I was a Victim. To this day with over 18 Inquiries I have been trying to correct for six months now no no avail. I even contacted XXXX to have the fraudulent inquiries removed from my Equifax credit report and a month ago they agreed. Equifax also agreed and nothing even gets done. In fact do you want to hear something so crazy? Equifax has an internal error in their database called Credit Splitting that happens as they have discussed with Equifax, when a consumer report gets too large in data. Giving the lender only half of the information and hurting or coming in the way of the application process getting approved.
Product: Student loan

About a month and a half ago ( so on XX/XX/XXXX ) I had called Naviet because has two issues. One needed to get my payments lowered ( which are at XXXX a month ) and also to get my co-signer off the loan. As Im telling him I am struggling and can not make the payment but will be able to make a lower payment. He ( I can not remember his name ) said that there werent any other options for me at this time and there is no way to get the co-signer off. He said the only way is to payback the full amount and get it through the bank. Im a XXXX XXXX XXXX with no collateral, so that is out of the picture. After telling the young man my struggle and troubles Ive had with keeping up with this payment, that Im not able to even get grocerys or little household items ( for I was trying to live on my own ). I was crying on the phone and again telling him I just cant make the payment, he says at the end Im really sorry to hear that XXXX but there really isnt anything we can do at this moment, but I do see that you have a bill coming up this month how would you like to take care of that today! So not only did he not really listen to what I had to say, he Had the audacity to ask me to make a payment. 

Now I live back at my parents working two jobs and still can barley save enough money to get a place. I really dont want to live back at my parents for ever but will this payment of XXXX I cant have any other payments unless I work to death. All I ask is that I can get help with my payments or my interest on my loans to go down for I have 5 loans each at XXXX %. They also said that I couldnt get help with lowering my interest either. I know there is a way to get my co-signer off because they go off how much he makes not me.
Product: Debt collection

As of XX/XX/year>XXXX  I received a {$1300.00} bill from XXXX. 

This will was due to late payment fees associated with REPEATED service issues with XXXX that were never remedied. 

XXXX was completely negligent with these issues and after over 20 phone calls, email support conversations and repeated attempts to get the service corrected, I asked XXXX to cancel my service. XXXX refused to cancel this service, even though they also refused to fix the issues. 

I am now attempting to get this collection removed from my credit reports, as I truly believe my rights are being exploited and I'm being taken advantage of by a billion dollar corporation.
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 rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX  XXXX XXXX # XXXX, Account name XXXX XXXX : # XXXX, Account name XXXX : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my Consumer Report and noticed that a change was made on my report. It states that I C Systems was removed from my report and I gained 1 point. I disputed this item last year which wasn't deleted and now after another dispute it has become deleted. I would like to know what was the purpose of the deletion. According to 15 USC 1681 n and 15 USC 1681 b ( 2 ) they are in Violation. I never gave them permission to report anything to them and Pursuant to 15 USC 1692j. I am asking for remedy of XXXX by Check Only.
Product: Debt collection

The company contacted me and I told them the debt wasn't mine that my mom used an account in my name and has since passed but I would be willing to pay the debt so it wouldn't end up on my credit report, that was maybe a month or so ago and they never contacted me back Around probably XX/XX/22 the collection ends up on my credit report so I had to dispute the matter with the credit bureaus On XX/XX/22 I received an email from them still trying to collect the debt and I emailed them and told them the original creditor has been paid and to remove the collection from my credit report The original creditor is XXXX XXXX XXXX XXXX  ), and the confirmation number for the payment is # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the credit reporting agencies, including XXXX, XXXX, and TransUnion, for their failure to adequately handle disputes regarding incorrect information on my credit report. As a wounded veteran, I am particularly frustrated by their failure to properly investigate and remove medical debt that should not be reported. 

Over the past several months, I have attempted to dispute multiple inaccuracies on my credit report, including medical debt, which I believe should be removed due to its improper reporting. Unfortunately, the credit reporting agencies have failed to provide adequate information about the results of my disputes. In some cases, they have not conducted the required investigations as mandated by the Fair Credit Reporting Act ( FCRA ). Furthermore, there are times when these agencies have not allowed me to file disputes online, restricting my ability to correct the inaccuracies in a timely and convenient manner. 

Despite my good-faith efforts to resolve these issues, the credit reporting agencies have not fulfilled their legal obligations, and the inaccuracies remain on my credit report, causing me unnecessary harm and stress. As a XXXX  veteran living with the challenges of medical debt, this situation is particularly distressing, and I believe the credit reporting agencies are not adequately addressing my concerns. Specifically, some collection debts have not been verified by certain agencies but remain on the credit reports of others. Despite this inconsistency, these debts are not being properly investigated or removed across all reporting agencies, as required by law. 

I am requesting that the CFPB investigate these matters and hold the credit reporting agencies accountable for their failure to comply with the FCRA. Specifically, I demand that they be required to conduct proper investigations into my disputes, provide clear and comprehensive results, and remove inaccurate medical debt from my credit report.
Product: Money transfer, virtual currency, or money service

Thursday XX/XX/XXXX I went to my Wells Fargo branch, talked to a personal banker, and requested a wire transfer of {$9500.00} to the XXXX. He completed the form with the information he requested from me, sent it to the wire transfer department and told me it would take about a week. At XXXX we had completed the transaction. 
Thursday XX/XX/XXXX I went to the branch again and talked with the same banker. I had expected the money to have arrived in the recipients bank account. He called the wire department to check on it and told me that he thinks it takes 7 working days not calendar days. He told me the wire department said they had not had the funds returned so that was a good sign but they did not appear to know where the funds were. He said it may arrive as late as Monday XX/XX/XXXX. It did not arrive on the XX/XX/XXXX. 
Tuesday XX/XX/XXXX I talked to a banker on the phone and said I wanted to file a complaint. She said she would look into it and that they could put a trace on it if I wanted, and that usually they charge for that, but she would waive the fee. I also asked for the wire transfer fee to be returned since they had not provided the service as described. The {$35.00} wire transfer fee has been refunded. 
Wednesday XX/XX/XXXX I went into the branch again. I was concerned that Wells Fargo might not have collected all the necessary information to complete the transaction. I took the information with me and talked to a different banker suggesting that maybe the transfer failed due to incomplete information. I offered to provide additional information ( twice ). The banker did not respond but contacted the wire transfer department. She informed me that the transfer takes 8 working days and that the transaction was not initiated until the XX/XX/XXXX. This was news to me. I understood it was initiated on the XX/XX/XXXX when I requested it and the money was removed from my account. It was already the 8th day. I was told the trace would take 3 days and she would call me when the money arrived. I asked to be updated each day. I also talked to the branch manager and expressed my concerns about lack of training in the bank, lack of service, and poor processes. 
Thursday XX/XX/XXXX the banker I worked with initially emailed me, said he had escalated the complaint. He copied the branch manager and someone from the customer resolution service. I responded to all. As of end of day Monday XX/XX/XXXX neither of them contacted me. 
Tuesday XX/XX/XXXX I emailed the branch manager to escalate my complaint and ask for the name of his manager. He provided her contact details. He did not acknowledge that I had requested a refund. His message suggests he is still waiting for the transaction to occur : I will review your account tomorrow. If the funds are not available, I will contact our wire department again. 
I responded to him and his manager saying that this was unacceptable. I asked his manager if she intended to play any part in resolving the issue.
Product: Credit reporting or other personal consumer reports

Equifax is conspiring with XXXX XXXX. According to XXXX XXXX XXXX XXXX the XXXX XXXXXXXX XXXX was a public safety hazard. XXXX procrastinated the fuel pump repair for months endangering my life. XXXX XXXX supervisors combative and harassment was relentless, they insisted I trade the vehicle to mask the manufacturer allocating hazardous vehicles to my zip code and when I didnt their shenanigans were carried out to prohibit on time payments. For example, the representatives were combative, aggressive, and abusive when I attempted to make payments, I was transferred into the queue and refused supervisor assistance. I would eventually be told after numerous calls the supervisor would call me back within 48-72 hours ; which NEVER happened, and when I called back they would repeat the same, and make me wait another 48-72 hours. I contacted my Maryland Attorney General case XXXX XXXX  XXXX and the XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX. Most important, prior to this XXXX XXXX XXXX, XXXX XXXX me and I had very great credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00}
Product: Student loan

Subject : Mohelas Loan Reporting Errors and Failure to Discharge Loans per XXXX XXXX XXXX Issue : I am filing this complaint regarding Mohelas mishandling and inaccurate reporting of my consolidated student loans, as well as their failure to comply with my XXXX XXXX XXXX 

Details : My student loans were consolidated and transferred to Mohela. However, Mohela is inaccurately reporting several of my loans as discharged by XXXX when they should have been marked as Paid-in-Full by Consolidation. 
Mohela claims they never received certain loans from XXXX, but these loans were consolidated and should have been fully accounted for. 
Additionally, I have a XXXX XXXX XXXX, which entitles me to have my consolidated loans discharged, but Mohela has not taken action to comply with this discharge. 
Loans with Discrepancies : Loans from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX which should be marked as Paid-in-Full by Consolidation, are being incorrectly reported as discharged by XXXX. 
Mohela is holding me responsible for a balance that does not reflect the full consolidated amount, and these loans should have been discharged per my XXXX XXXX award. 
Impact on Financial and XXXX  Well-being : Inaccurate Loan Balance : Mohela is holding me accountable for a loan balance that does not correctly reflect the full amount that should have been consolidated and discharged. 
Failure to Discharge : Despite my XXXX XXXX award, Mohela has not XXXX my loans, causing ongoing financial strain. 
Negative Credit Impact : These errors have negatively impacted my credit report, as the incorrect reporting of loans has distorted my credit situation. 
Desired Resolution : Investigate Mohelas reporting errors and ensure that all loans are correctly marked as Paid-in-Full by Consolidation and transferred to Mohela. 
Discharge all my consolidated loans immediately in accordance with my XXXX XXXX XXXX, as required by law. 
Correct my loan balances and update my credit report to reflect the discharged status and remove any negative impacts caused by these discrepancies. 
Thank you for your attention to this matter. I look forward to a swift resolution and confirmation that my loans have been properly handled and discharged, as required by law. 

Contact Information : Name : XXXX XXXX XXXX Email : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

In XXXX I purchased my home with the builder XXXX XXXX they issued a first mortgage for {$230000.00} and a second mortgage was {$57000.00}. Since then the mortgage loan has been transferred to many other mortgage servicing companies The Bank of New York Mellon XXXX The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is their servicer on my mortgage loan. 
In XXXX after my divorce, I applied for a loan modification. The new loan was for {$340000.00}. After several years of on-time payments to XXXX XXXX XXXXXXXX , then in XXXX my home went into foreclosure. I called XXXX XXXX XXXXXXXX they told me to not worry because my mortgage was in good standing. It seems to me that they never did a true modification of the mortgage because the second mortgage was transferred to another mortgage servicer I was never aware of it until last year. I thought the modification of {$340000.00} was the new mortgage modification. Since XXXX I have been making payments of {$1200.00} on the {$340000.00} and now they are asking for an additional monthly payment of {$1400.00} and an additional mortgage amount of {$140000.00}. The new combined mortgage amount will be {$490000.00} and a new monthly mortgage payment of {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the past month I noticed hard inquiries on my credit reports with the three main bureaus, Equifax,XX/XX/XXXX and XX/XX/XXXXwhich I have not authorized. 

In exercising my legal right under the Fair Credit Reporting Act, Section 609, to request information regarding said hard inquiries on my credit reports, I mailed details of each of the unauthorized hard inquiries to the respective credit bureaus. 

As per Sec. 609 of the FCRA, I am legally entitled to see the source of the information, which is the original contract that contains my signature. If the reporting agency is unable to verify the account with the original contract, containing my signature the unverified information must be immediately removed. 

Despite having been notified by me in mail with sufficient documentation substantiating my true identity, Equifax, XX/XX/XXXX and XX/XX/XXXX have all failed to remove the unverified information from my respective credit reports.
Product: Checking or savings account

I am unable to reach a person at XXXX to request them to void two checks they have issues and reissue them. The checks were lost by USPS and they have been noted as lost. My issue is I can not get a hold of anyone at the company as there is no means to speak to someone about this issue. There is no transparency in how to go about solving this issue and the method to speak to real person regarding my issue has been obfuscated completely to the point that I am now filing a complaint.
Product: Vehicle loan or lease

This is my responce to ally financial, this is my last warning to your corporation and final draw. 

The contract you sent me has signatures on it that my original copy does not have, this is constructive fraud, The law in this regard is relatively straightforward. A trust is not a legal entity and therefore lacks legal capacity. The trustee must undertake all legal formalities pertaining to the trust arrangement. 
CONSTRUCTIVE FRAUD Under contract law, a defendant can be liable to a plaintiff for constructive fraud if there was : ( 1 ) a false misrepresentation ; ( 2 ) in reference to a material fact ; ( 3 ) for the purpose of inducing the other party to rely on such representation ; 4 ) on which the other party did justifiably rely ; ( 5 ) which resulted in damages or injury; and ( 6 ) a fiduciary relationship between the parties. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX ( XX/XX/XXXX). 

Bad intent or dishonesty is not a requirement to satisfy constructive fraud. 

The elements for actual and constructive fraud are the same with two exceptions : constructive fraud drops the element of scienter -- knowledge on the part of the injurer of the representations falsity -- and adds the element of a fiduciary relationship. 

There's no lawful money to pay and debt which means constructive fraud is being performed in everyone that accepts credit cards and federal reserve notes which are " debt vehicles '' This debt is a obligation of the United States 18 usc 8 Banks do not loan money and its ur duty to borrow 12 usc 1431 Ally financial shall provide a bank statement from there personal account proving they loaned me money, since they are saying I owe them. 
You took XXXX down payment violation of 15 usc1605, you also violated cease and desist as your still sending me threats for repo when you never had possession of my property to begin with, that will be theft if you touch my personal property. As far as the repo man you shall warn him if he come and takes my property he will be breaking the cease and desist order and will be just as guilty in fraudulent activities, Also your 30 days has expired as my affidavit of truth unrebutted stands as truth in commerce and there is no statue of limitations on fraud you should have responded to my facts line by line in another affidavit but you failed to respond to it, and should have been no problem if everything you are saying is true Once again this is your opportunity to cure if not I will go further and you will not win this im a living man, original creditor, natural person. 

And have all evidence on fraud and my consumer rights that have been violated,
Product: Mortgage

I previously opened a complaint that was closedXXXX, however the Loan servicer still has not fixed the account. 
Loan was transferred to Lakeview Loan Servicing XX/XX/XXXX. 
Payment was made to XXXX on XX/XX/XXXX and transferred to Lakeview Loan Servicing in amount of {$3200.00} Payment to Lakeview Loan Servicing XX/XX/XXXX for {$1700.00} Payment to Lakeview Loan Servicing XX/XX/XXXX for {$1700.00} Next due date was XX/XX/XXXX for {$3200.00} paid by previous two payments with an overage of {$100.00} to go as Principal only payment. 
Payment to Lakeview Loan Servicing XX/XX/XXXX for {$1700.00} Payment to Lakeview Loan Servicing XX/XX/XXXX for {$1700.00} Next due date was XX/XX/XXXX for {$3200.00} paid by previous two payments with an overage of {$100.00} to go as Principal only payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I noticed I had a few negative accounts reporting to my consumer credit report that I did not recognize so I called XXXX, Experian, and XXXX to have them removed. They all informed me that I needed to file a FTC report and mail it to them. I procrastinated for a few months and fast forward to XXXX I filed a FTC ID Theft reports for the accounts I did not recognize ; FTC Report Number XXXX. I called all Credit Reporting Agencies again after filing and they instructed me to mail the report to them, I emphasized that I did not feel comfortable mailing sensitive information especially with my information already being compromised yet they said nothing could be done over the phone.