WillisBack/dataset-financial-user-claim huggingface dataset:
A person named XXXX, from Wells Fargo Dealership Services, keeps leaving messages for me at my father 's home and on my nieces cell phone. His message is to call him at XXXX. I have never been called directly. The problem is, I do not currently, nor have I ever had a car loan with them. I do n't even have a Wells Fargo bank account. 

When I return the call I am told there are XXXX XXXX at the office XXXX claiming not to be the caller. When I tell them I ca n't give an account number because I do n't have an account, I 'm then asked for my SSN. I refuse to give them that information as, if I indeed had a loan, they would have it on file. I have always given them my legal name when calling. ( Which, by the way " XXXX '' spelled incorrectly on his initial messages. ) They 've never been able to pull up any of the phone numbers they 've left messages for me on yet they continue to call them. In trying to get this resolved, I 've been left on hold for up to 20 minutes only to be hung up on. I 've left messages for a supervisor with no return call. 

I have never requested nor received a car loan from Wells Fargo. 
Every vehicle I own, I paid cash for. Wells Fargo has made no attempt to resolve this issue even when I call to speak to them. The one time I did speak to someone " semi helpful '' I requested the calls be stopped. She assured me they would be since she could n't find anything under my name. I do n't even know how they got my father or niece 's, out of state phone numbers in the first place. They keep harassing my family to collect a debt that does n't exist.
After reviewing a copy of my credit report, I noticed a collection accounts placed on my credit report from Synerprise. I am requesting that you allow my attorneys and I to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is threefoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by me and my attorneys. Also until debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, attorneys will correspond back by certified mail.
On one night of my stay at the XXXX this XXXX ( Friday, XXXX XXXX ) I took my friends to XXXX. The bill of {$3300.00} I put on my Visa, which I handed to the staff, along with my license, to take and charge. I signed for the {$3300.00} and went on my way. However, I noticed after I got home the following week that there was a separate charge for {$630.00} on my visa, a charge that I did n't authorize. Visa sent me copies of both receipts, which to my surprise were both signed. The signature on the {$630.00} is not my signature. Visa is refusing to credit me because XXXX had a copy of my license, which I readily admit I handed over to pay the {$3300.00}. I want the {$630.00} refunded to my Visa. Visa says there is nothing they can do because its a " he said, she said '' situation. I contacted the merchant and they also refuse to refund the fraudulent charge. Visa is supposed to protect its customers from fraud.
Today XX/XX/XXXX XXXX XXXX XXXX reported to credit bureaus that I opened an account on XX/XX/XXXX. In reality this was an Old XXXX account that has been closed since XXXX. Today I contacted XXXX and spoke to XXXX. He checked this account XXXX and stated account has been fully closed since XXXX, no history nor amount nor any remarks on this account. Paid in full. I asked Southwest why are they reporting this XXXX old account as a new Collection but a reason was not given. This has damaged my good credit scores. Now I can not purchase a home.
None of the topics I was presented really described my issue so I chose this one. 

This is an issue is with Experian allowing access to retrieving Credit Freeze PIN numbers online and the serious lack of security in protecting that access. 

XXXX XXXX, 2017 I went on Experian 's credit freeze website ( https : //www.experian.com/freeze/center.html ) and noticed that there was an unsecured menu that allows retrieval of credit Freeze PIN numbers accessible to anyone who just wanders in from the internet. That menu requires no login/password to access it and the information required to retrieve the PIN consists of the information exposed in the recent breach at XXXX and information easily available on the internet. Also I was able to go back and try again and again to access that account as many times as I wanted. 

Upon filing out the main form with my SSN and birthday as the main security objects I was presented with 4 'security ' questions. Three of the answers were easily found by XXXX on my name or buying a {$25.00} online background check on me. They were questions about previous employment, my previous phone number ( seriously ) and which bank I used. None of the banks listed were in my hometown so the correct choice " none of the above '' was obvious. Even XXXX asks more secure questions than this, Worst of all once you got through this menu ( and like I said you have as many tries as you want ) instead of mailing the PIN to a verified address on record like the other Credit companies do the PIN was displayed on the screen visible to all along with the offer to email it to any email address you provided in the form! Why? Because there is no address on record because there is no account created for people with credit freezes. Experian just uses unverified information that is arbitrarily entered on their form. 

I can easily see Experian being the next company in the news for not securing their information properly because they obviously are not. I did n't authorize Experian to collect this information on me the least they can do is implement serious security to protect it, not just trying to make it as convenient and inexpensive as possible. 

If you are going to allow PIN retrieval online ( which is insane to begin with ) at least secure it. It is the keys to the castle! 

- Create an account for all people with credit freezes with the usual name address, email, along with a login and password which will be needed in order to even get to this menu screen and then only allow the PIN for that account to be retrieved. 

- Only allow one try to get the information correct and then they need to call. Sorry you may need to hire a few more people but thats how real security works. 

- The security questions should be something in my credit history that would n't be found on the internet and certainly not publicly obtainable information like my previous phone number! 

- Most importantly, MAIL the PIN to a verified address ( and not on a postcard ). Inconvenient? yes. Secure? YES!
The total amount due on my BMW Financial Services account is XXXX, which includes a past due amount for the month of XX/XX/XXXX. I spoke with a XXXX XXXX  on XX/XX/XXXX, she advised me I could use an insurance check from XXXX  to apply to my account as payment. This check is payment for minor damage to the vehicle. Check was received yesterday, XX/XX/XXXX in the amount of XXXX. It is made out to myself and BMW Financial Services, it was mailed out today,XX/XX/XXXX, sent to the address provided in XXXX  's email. The check number is XXXX, sent to BMW Financial Services, XXXX XXXX XXXX, XXXX, OH XXXX. I believe there is a notice of default on the account, however, I do not have the notice as I have not received it as of yet. Please advise BMW Financial Services the payment is in the mail, sent out today. In case there is an error in processing or delay in receiving, please request additional time to allow payment to post. I have a copy of XXXX  's email with instructions to send if its needed.
My mortgage lender, U.S. Bank periodically sends multiple Mortgage Statements for the same loan due date period. These duplicate statements are confusing, especially when I timely pay my monthly balance. The duplicate statement is sent even after U.S. Bank acknowledges receipt of payment! I have mistakenly ( almost ) made double mortgage payments to U.S. Bank. I initially called U.S. Bank customer service and they say there is nothing they can do, it is a government ( RESPA ) requirement that they send out duplicate statements and that U.S. Bank can not change its software. U.S. Bank simply says " disregard '' the second statement. The duplicate statement is not identified as duplicate and it creates accounting problems when duplicate statements are sent by my mortgage lender. 

In a recent call to U.S. Bank regarding another duplicate statement they indicated that it is a Consumer Financial Protection Bureau " regulation '' that requires U.S. Bank to send out duplicate statements every " 31 days '' from last communication. Therefore, if I pay my bill timely ( or early when rec 'd ) and/or the following month is a longer month then ( according to U.S. Bank ) per your CFPB regulation, U.S. Bank says it must send me another statement for the billing period that I already paid and they have received. If this " 31 day '' rule is truly a CFPB regulation -- & gt ; then it is a stupid regulation. If it is a CFPB ( well intended ) regulation,,, it results in a consumer unfriendly outcome when it is applied to my facts and circumstances, hence a stupid regulation. U.S. Bank indicated other customers have complained about this problem! I have also escalated this problem from U.S. Bank Customer Service to U.S. Bank Consumer Advocacy for attention. 
So,,, Is this a CFPB, U.S. Bank or other party problem?
I received a debt collection letter from avante on XX/XX/18 involving a bill I supposedly owed. I contacted my local hospital and found the only bill they had for me was written off due to financial hardship ( I have documentation proving it as well ). I then requested avante validate the debt in writing. The request was postmarked XX/XX/18 and was sent via certified mail and was signed for by XXXX XXXX. I never received a validation and now the debt is being reported on my credit report as being in collections since XX/XX/2018, before I was even notified of the alleged debt, which in my understanding is in violation of the FDCPA. I would very much like validation of the debt to cross check with my records from the time. And would very much appreciate if it was either removed or changed to disputed on my credit report as there was no validation.
My mortgage company M & T Bank has refused payments they ran check through my bank account XXXX causing NSF, for payment on XX/XX/XXXX then I made payment the check for {$1200.00} came back but money still in my account I did another check for the XX/XX/XXXX and they rejected the payment causing me to go 4 months past due on my mortgage they have not offered any help or assistance to me at all I need help then they told me I ha e ro do two payments at same time which caused to me default because they stoped accepting payments when I was only two payments behind. 
XXXX XXXX
I called Discover Payment Protection, XX/XX/XXXX, to cancel the plan and get a full refund the fees as I am not aware nor do I remember enrolling in the plan. I talked to XXXX XXXX and she said I enrolled when I applied for the card on XX/XX/XXXX. However, I asked for proof of my enrollment and she said it was not possible as it was so far back. 

Upon calculating the Fees paid between XX/XX/XXXX, the payment protection fee total is {$400.00}. This fee does not include from XX/XX/XXXX. I asked to get the full amount back, but she stated something along the line of 'we ' believe we notify our customers enough about the payment protection fee and our policy only allows for 6 months refund. She first offered to refund me last months fee, but then later offered to refund 6 months totaling {$65.00}. I agreed to canceling the plan and refund of the 6 months. However, please refund me the FULL amount, including from XX/XX/XXXX. Thank you.
XXXX   XXXX   is retaliating on me cause I reported them on their scams. They fraudulent sent a late payment on my credit report. I not too long ago paid them  XXXX  they know I just started working I need to file a report in them with the feds on their deeds monday. And then it says on my report that my monthly payments are  XXXX  and that 's a lie! I am going to make sure   XXXX   pays for their lies all the time.
I had the worst experience with the sales manager, XXXX XXXX from Secure One Capital Corp. I called him on XXXX to get a {$50000.00} loan on my rental. I told him I needed to get a fast loan because I needed to pay at least {$28000.00} worth of debt. He said he could close my loan in 10 days ( it even says it on his email. ) The timing was critical. He said he could close it before XXXX. He talked me into getting an FHA loan and refinancing my current home ( which was 3 times that amount ). I agreed. On XXXX, he said we were almost clear to close. The next day, XXXX he told me I could n't do an FHA loan, and we had to go conventional, and I could only get {$21000.00} cash out. I was not happy, but he said he could close it right away. I needed the cash fast, so I agreed. I signed loan docs on XXXX. After my 3 day rescission was over, I contacted him asking if we were funding and closing. That date should of been XXXX. He started asking me questions on my rental property and other questions he could of asked weeks prior. He also asked me about inquiries on my credit report which he pulled on XXXX. After making me jump through hoops to get the loan closed, he informs me I could only get {$6900.00} in cash. That was on XXXX. Almost a whole month had gone by, he was asking me questions I should of been asked in the beginning. Needless to say, he does not know his job very well, and should n't be doing home loans. I ca n't express the stress he put me under and how he never called me, just emailed me. Had me sign. Lead me to believe my loan was closing. I could n't go through with the loan because it was n't enough money. I had to go to a hard money lender and get a fast bridge loan, and pay high points because oh him. He did n't even offer to pay me back for my appraisal of {$550.00} for screwing up so bad. It was his lack of knowledge that put me in such a bad situation. It became a hardship. His company should be paying me back my appraisal of {$550.00}, plus the points I had to pay on a hard money loan. He also never told me that I would have to pay 3 % in points for {$7000.00} until I received my settlement statement on XXXX. It was too late for me to back out because timing was critical.
Experian is reporting my OPEN and CURRENT Mortgage loan with XXXX as XXXX in BK. XXXX is reporting the monthly payments but Experian is supressing the information and refuses to accurately report the payments and show the account is Open. This debt was Officially reinstated in a Chapter XXXX BK. This is NOT a Chapter XXXX BK and Experian has no legal right to not rport the current status of this mortgage
On XX/XX/XXXX I submitted a complaint here bc I had been working to have XXXX, Experian and XXXX   correct a few errors on my credit report for over a year. None of the bureaus sent the requested proof from the investigation that they claimed to have done. The accounts was removed from my account on XX/XX/XXXX. However, this same account ( XXXX XXXX XXXX ) has reappeared on my credit report as of XX/XX/XXXX. Experian has this account reported twice on my credit : one in the amount of {$210.00} and another one that shows {$130.00}. XXXX and XXXX have this account in the amount of {$130.00} as a collections account. 

As stated in my initial complaint on XX/XX/XXXX, I do NOT owe any collections to XXXX XXXX XXXX. I am still an XXXX XXXX XXXX customer and have been for over 11 years. 

I have contacted all three bureaus asking for the same proof of these collections accounts and I've yet to receive it. These bureaus are allowing bogus collection companies to put erroneous information back onto my credit profile AFTER it's been established that it is not a valid debt that I owe.
XX/XX/2017 an unknown hard inquiry showed on my report. the campany is XXXX but i could not find it on the system thanks!
XXXX, XXXX and Transunion are reporting that I have inquiries on my report that I have no knowledge of.
Dispute of payment for one month with XXXX XXXX XX/XX/XXXX. Amount of lease {$420.00} was withddrawn from my account XX/XX/XXXX and never credited. 
XXXX XXXX refused to acknowledge my claim and considered the account delinquent from XX/XX/XXXX to present day, XX/XX/XXXX. 
I attempted to resolve the issue numerous times to no avail. XXXX XXXX has ruined my credit and refuses to lease another vehicle to me based on the low credit score I now have due to their negative reporting to various credit agencies. 
Now XXXX XXXX is holding me hostage to buy the vehicle at a non negotiatable price.
dual tracking ... .. bank of America is attempting to foreclose on the home without a court date i have submitted all of the paperwork to the bank and they are trying to keep the sales date and prolong the process without contacting me ... .. fraudulent deeds were submitted .... payment history that only dates back to XX/XX/XXXX ... .. bank of America is illegally attempting to extort extra money for this home .... a sales date of XX/XX/XXXX is set without going to court
Experian is incorrectly reporting a balance on my credit report for a XXXX account in violation of the FCRA and bankruptcy law. This account is included in a Chapter XXXX bankruptcy which is in good standing and which requires all collection activity to cease. However, the reporting of a balance by a collector to a consumer 's credit report is considered a collection activity. 
Further, XXXX XXXX is reporting a negative payment status for XX/XX/XXXX and a past due amount of {$9200.00} in error. Multiple bankruptcy court decisions, including re XXXX, Case No. XXXX ( XXXX XX/XX/XXXX ) conclude that debts in a Chapter XXXX bankruptcy should reflect a current status and on-time payments if payment history is reported at all. I am requesting that the item be permanently deleted from my credit report.
SinceXX/XX/XXXX I have been sending Frontline Asset Strategies {$50.00} per month to settle an old debt from XX/XX/XXXX. Each month I receive a statement saying, " Thank you for your recent payment of {$40.00} on ... '' No mention is made of the remaining {$10.00}. 

When I contacted FAS, I was told that there is a {$10.00} per month service fee, but no justification for falsely reporting the amount received was made. 

My complaint is this : ( 1 ) Each month they receive {$50.00} from me. I believe I should be receiving a receipt for {$50.00} regardless of how they allocate it. 

( 2 ) This company provides no service to me. I should not be paying them {$10.00} per month to collect {$40.00} per month. What they collect from me should be applied to the debt I owe. I should not have to pay the debt collector, to collect my debt.
Submitted an Appeal for the Denial of my request for Mortgage Modification. I have sent in all requested documentation prior to any deadlines on several occasions in a timely manner.This documentation was submitted in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which we discussed in XX/XX/XXXX. 
Once the request for Modification was submitted in XX/XX/2018, XX/XX/2018 and then Ocwen requested additional information in XX/XX/2018, at that point I resubmitted the information as well as another copy of the modification request. The documents listed below were attached. 
Medicare Award Letter {$1000.00} and listed, Medical monthly deductible {$130.00}. Bank statements showing Medicare returning his deductible because he has MediCal as secondary medical insurance. 
I provided all Bank Statements, in a timely manner. 
I attempted to make payments online and the payments were not accepted. According to my records ( which I received from Ocwen Payment Center ), I have not been late on any of his mortgage payments in the past years. 
Since modification documents were not reviewed or completed in a timely manner, the Mortgage Servicer, XXXX XXXX, Trustee Sale Assistant and Contract Management Coordinator at ( XXXX XXXX, XXXX. ( Civ.Code:2923.5 ) failed to contact me, regarding any financial options regarding his mortgage payments or the unauthorized lien payment that Ocwen paid. No initial contact was ever made. 

My father is a XXXX  Veteran with major health concerns that have kept him XXXX XXXX  XXXX XXXX. He is in need of keeping his home as this is his only place to live. He needs care that is supplied by me and Caregivers. 
To file foreclosure is so wrong on many levels of decencies and respectability to a XXXX Vet and/or any person that is able to pay on time. Ocwen, Relationship Manager has cause great harm to us by not accurently reviewing the mortgage modification documents in a timely manner then denying modification. 
We never knew XXXX XXXX, XXXX existed till received certified documents XX/XX/XXXX to addressee. 

In light of these facts, I request that you reconsider your decision about the Notice of Default for this order is invalid and should be rescinded and modification be re-reviewed for reduction. 

I greatly appreciate you taking the time to read this and the attached document. I am happy to talk or email with you at any time to discuss this further so this matter can be resolved. 

Respectfully, Request 1. Explanation to all additional/extra dollars/fees that Ocwen attached to the loan that were never stated orally or in writing be explained, and subtracted from Ocwen ( Debt Collector ) and Lender ( XXXX XXXX, XXXX c/o XXXX XXXX XXXX XXXX XXXX ) loan Docs.
Some lady calls and says I owe money on a debt. wont ID themselves or company and says I must call back today or legal action will be taken. They call from XXXX.