WillisBack/dataset-financial-user-claim huggingface dataset:
On 2 separate occasions I have advised Navient of my claim of identity theft. My credit report reflects student loans of appx $ 70k which were opened by my ex-wife without my knowledge or consent. I first provided the information to Navient directly in XX/XX/XXXX - which included an Affidavit of Identity Theft, SIGNED and NOTARIZED statement from the perpetrator admitting to the fact that the loans were opened without my knowledge or consent, copy of my drivers license, and the police report complaint number. I advised Navient that XXXX County PD has an 8 month backlog to produce the actual copy of the police report. Navient closed the investigation but not before forwarding the fraud account to XXXX XXXX XXXX for litigation. On appx XX/XX/XXXX I contacted XXXX and advised that this was a claim of Identity Theft and per their request, forwarded an Affidavit of Identity Theft, SIGNED and NOTARIZED statement from the perpetrator admitting to the fact that the loans were opened without my knowledge or consent, copy of my drivers license, and the police report complaint number - and again advised that there is an 8 month backlog to produce the police report. XXXX advised that they would investigate. On XX/XX/XXXX I received a call from Navient which my wife returned on XX/XX/XXXX. During this conversation we were advised that Navient would again close my claim of Identity Theft because there is no police report. This is despite the SIGNED and NOTARIZED statement from the perpetrator indicating that she opened the account without my knowledge or consent.
I issued a complaint against XXXX XXXX about the title transfer of my mortgage and not being informed of a foreclosure. XXXX has contacted me and stated they can remove the foreclosure from my records with proof of improper title transfer and supporting court cases. These have been sent to XXXX. My loan was sold from XXXX to Caliber Home Loans when they never legally had the title to actually transfer. This is to inform Caliber Home Loans of the incorrect foreclosure they have on record on my name. 
Here is what was relayed to XXXX Bank as to the issue : The title of my loan was not transferred from XXXX XXXX to XXXX until XXXX XXXX, XXXX, which is attached to this fax from XXXX County Clerk. I also have all other amendments that were filed with the court, NOT INCLUDING foreclosure proceedings. This is when foreclosure proceedings supposedly began against me but I was never given written notice of this. 
According to multiple court cases, the title transfer was incorrectly done and should not have been transferred in XXXX when foreclosure proceedings began without my knowledge. XXXX XXXX did not have proper rights to the title of my loan. It was not assigned to XXXX XXXX according to the trust agreement. This gives plausible inference that the assignment was improper. I am not looking to get my home back or for any financial reimbursement. I just want to get the foreclosure removed from my name. 
After much research, there are a tremendous amount of court cases that state this exact thing happened to them and were rewarded for their damages. You could also refer to a website called XXXX, which directly addresses issues with XXXX XXXX and XXXX deceiving homeowners during the time I was foreclosed upon. 
Four years after pledging to clean up wide-ranging foreclosure abuses, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX other banks still are n't complying with consent orders imposed by a federal regulator, reported the XXXX XXXX XXXX ( XXXX XXXX, XXXX ). As a result, the Office of the Comptroller of the Currency has restricted mortgage servicing operations at XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. 
Banking regulators obtained the consent orders in XXXX in response to scandals involving the robo-signing of foreclosure documents by token officials without knowledge of the facts, lost paperwork, illegal fees, and other legal shortcuts that became common after the mortgage meltdown.
Experian/XXXX has a account on my credit report that is not mine and is holding my lively hood up and making me disqualified to obtain a checking account /credit card. The negative item is remaining on report showing a negative effect when it should not be there at all. Whenever I apply for a credit to rebuild my credit score/history the deduct a large amounts of points for inquiries and I get denied for credit. I gave disputed my credit score with Experian letting them know my score should be at a XXXX they do not care about putting me in jeopardy and tell me they have absolutely nothing to do with this. I opened and checking account with XXXX XXXX then a week later I go to the branch located XXXX XXXX XXXX. XXXX, Ca bank representative name XXXX tells me that XXXX chose not to bank with me and is closing my account. He told me he has never seen this happen before. Upon opening this account I was asked who I currently bank with I told them XXXX XXXX and they asked for my account and checking numbers with schools first to offer me a joint opportunity and XXXX deposited a small amount to XXXX  account I was told as soon as the deposit come through to let XXXX know. I believe my information was shared for other purposes other than given to me
I graduated from my bachelors and masters program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX ). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but XXXX serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted XXXX in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XX/XX/XXXX for XXXX for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with XXXX and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to XXXX in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX,  my deferment ended in XX/XX/XXXX. But nelnet refuse to take actions to correct this issue.
Over XXXX mistakes on my report from experian. 
Enquirers, addresses, names and ss # that are not mine. 
Charged off account over 7 years old No response from disputes filed in 2012
I APPLIED MY CREDIT CARD WITH BANK OF AMERICA ON XX/XX/2015.ON LINE. I WAS INFORMED ON XXXX XX/XX/2015 THAT MY CREDIT CARD WAS APPROVED BY THIS BANK. I ALSO GOT A LETTER, DATED XX/XX/2015 STATING THAT CREDIT CARD WAS APPROVED. I FILE A COMPLAINT ABOUT SAME ISSUE EARLIER WITH CFPB. SO FAR. I DID NOT RECEIVED MY CREDIT CARD TILL XXXX XX/XX/2015. XXXX XXXX ( TEL # XXXX, X XXXX ) CALLED ME & INFORMED ME THAT CREDIT CARD WAS MAILED ON XXXX XX/XX/2015, BUT SHE WAS TELLING ME LIE. I CALLED XXXX XXXX COUPLE OF TIME, SHE NEVER EVER COME ON PHONE & NEVER EVER RETURN MY CALL. IT SEEMS THAT BANK OF AMERICA HAS A VERY POOR CUSTOMER SERVICE & HAVE NO RESPECT FOR ME AT ALL. IT HAS BEEN MORE THAN XXXX MONTH WHEN I APPLY FOR CREDIT CARD, BUT I DO NOT HAVE IT TILL TODAY. PLEASE HELP ME TO RESOLVED THIS ISSUE AS SOON AS POSSIBLE.
Received an auto loan through Wells Fargo Financial for a XXXX Chevrolet Impala. Loan was paid on time up until and accident I had in XXXX XXXX that cause me to XXXX. I was out of work for XXXX months which caused my payments to get behind. I did my best trying to manage the payments but maintain a poor history afterwards. even though payments were late, I managed to pay out the loan in full in XXXX and XXXX years later it still shows negative on my credit report.
Nationwide bi-weekly administration has been sending me things in the mail for the last 2+ years advertising a program they have to pay off your home mortgage in 21 years instead of 30 by them taking half of your monthly payment out every 2 weeks and paying it to the bank so you make an extra payment every year. I agreed to this program and in exchange they charged me half of my first years extra payment as their fee. After a year my mortgage was transfered to a new lender and they said in order to set it up again they would have to charge me again. So reluctantly I paid them again approximately a year ago. I received a phone call yesterday from the company that has my home loan, XXXX, stating that they have n't received a payment since XXXX XXXX and that I now have a late fee on my account. I immediately called nationwide bi-weekly administration to discuss the issue. They informed me that they are having issues with banks and that they are no longer able to withdraw money to make the payments for their customers. I said that 's fine, refund me the money I 'll do it myself ( I learned I can do it through my bank for free with no hassle at all ) to which the supervisor I was speaking to responded " it is our business policy that we will not refund the initial set up fee I 'm sorry '' I said that 's fine, but we both entered into a contract correct? I 'm fine paying that fee as long as you guys do your part of taking care of my mortgage parents. Of which you are not completing. So in turn voids the contract since the goods/services that I am paying for are not being completed. All she continued to say was " I 'm sorry but it is our business policy to not refund the initial fee ''
Portfolio Recover reps call like clock work every month and every month I tell them to stop calling me. They tell me they will NOT until I provide payment of the debt, even though I told them over and over that I will be filing bankruptcy. I block the number they call from and then it 's a new phone number they call from the next month and then they start all over again. They always tell me they will not stop calling until I pay even though I tell them I am reporting them for harassing me. I have filed reports in the past to Do not call.gov but nothing ever happens.
In XX/XX/XXXX, I opened a line of credit as a temporary measure for upcoming bills. The APR was astronomical ( 299 % ) and was difficult to pay off, but I did so by XX/XX/XXXX. I called in, finalized my last payment, and asked to close the account. I was assured the account would be closed. I also asked if there was any interest that had not been shown on the last statement which might accrue after the next billing cycle. I did this to prevent any unknown charges going forward. Again, I was assured that all the outstanding interest was taken care of with the last payment, and that the account would be closed. I asked these questions more than once, to avoid any miscommunication. I never received any correspondence stating the account had been closed, but didn't hear anything further and checked my account after the next bill had cycled and no further interests or payments were due. However, after almost 9 months of no communication from the Check Into Cash company, I received an email onXX/XX/XXXX stating I had am upcoming minimum payment of {$10.00} due onXX/XX/XXXX. I received another email this morning ( XX/XX/XXXX ) concerning the same {$10.00} payment due on XX/XX/XXXX, and the email encouraged me to log onto my account and to make a payment. It was at this point that I called the company, and was transferred twice between various departments, finally speaking with a gentleman named XXXX. XXXX did some research and said it appeared that a {$10.00} membership fee had been posted to my account due to a technical error. He couldn't really explain how this error occurred, he said it was something that was missed by the person who closed my account for me. What if I had closed that email address, and this {$10.00} increased with interest and affected my credit?
Central Financial Control was sent a Cease and Desist letter and given 30 days to provide validation of the debt. They failed to do so which puts them in violation of FDCPA. They also failed to produce copies of any agreement granting them authority, to collect on the alleged debt.
This is my husband 's XXXX school. I should be listed as a co-borrower and they have me as primary. But most importantly, they are reporting inaccurate information. We are current on this loan as we have monthly automatic payments taken out. They have fixed the error with my husband 's credit report but are refusing to correct mine. 

The company has refused to correct the issue and Equifax has closed any and all disputes stating the creditor has validated the account information. I have attached supporting documents, supporting my claims.
I have submitted this information multiple tomes and no response from debt collector and experian is reporting as accurate and hasn't provided the proof that is being submitted for this Experian XXXX. XXXX   XXXX XXXX, TX XXXX RE Account : XXXX XXXX XXXX amount {$2600.00} To Whom it May Concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

If you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.

According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX
There are 4 accounts on my credit report that i have never opened cor applied for credit with. 

I contacted the companies ( XXXX, XXXX XXXX & XXXX ) directly as well as XXXX  XXXX amd XXXX. 

They have not removed this information from my report. I asked them for the documents and any copies that they have with my signiture and there was no answer. I want thia removed from my report these are fraudulent accounts that were opened.
I signed up for a new account in XXXX 2015 with PNC bank. There was a {$200.00} sign up bonus. Since then I have called three times to check on it and each time I am told I was approved for the {$200.00} until today when they stated I did NOT meet one of the criteria I never knew about. They also set up my checks on the wrong bank account and charged me NSF fees which I had to call and have reversed several times. People I worked with there are no longer with the company so what they told me or did to me is no longer valid ...
A late fees & interest was charged by BoA for their failure to trigger Auto Pay. When asked the representative, I was told that fees were legit and ca n't be reversed. Its not the first time this has happened. I had a similar issue and had to pay the fees & interest but, now, I would not pay for bank 's system mistake.
Bank Of America took my hard earned tax paying dollars as well as everyone else 's in the bailout and then did absolutely nothing to help me with my underwater property in FL which is what the money was designated for. I have been trying to speak with someone at Bank of America since 2008 to gain access to principal forgiveness or principal reduction and continuously am ignored. I filed a complaint with the District Attorneys office which lead only to a single letter from BofA indicating more time was needed and have never heard from BofA again. They think this is a joke. They lined the pockets of their XXXX 's and whomever else is in the upper positions whilst those of us, including myself continue to suffer with underwater properties if we have n't had to walk away already. I ca n't count how many times I asked for help whether it be principal reduction of forgiveness or asked to simply refi and was denied indicating the property value is upside down and this is denied - hello .... what the XXXX do you think the bail out money was meant to be used for?!!!! I was not able for a period of time to pay my second mortgage and instead of helping me they started the foreclosure process. I had to borrow money yet from someone else to become current on an upside down property - I have to ask myself why I continue to keep paying and not just walk away - this property cost XXXX and has had since 2008 a value between XXXX-XXXX. Oh by the way BofA never included the appraisal with the loan docs - how convenient. How do I know this loan was n't unfairly processed, that some form of unethical practice was used to have the appraisal match the loan amount to justify the approval? I have read public information available online which clearly indicates BofA is in hot water and I am not alone in my situation. What I want to know is why are these large companies bailed out when its us middle class folks who pay for this country and why are n't these CEO 's etc ... rotting in prison where they belong?
Client has been repeatedly mistreated during efforts to modify loan, most recently was denied based upon his being divorced and a " successor in interest '' to the original party to the note, his ex-wife. Specifically, modification was denied on basis that property was not " owner occupied '' despite client 's ownership and occupancy, demonstrated to servicer countless times. Second, denial of application based on this " occupancy '' issue is in direct violation of the XX/XX/XXXX amendment to the XX/XX/XXXX mortgage rules under RESPA ( Regulation X ) and TILA ( Regulation Z ) found at 12 CFR 1024 and 1026, which rules were implemented to protect " successors in interest '' to mortgage and property ownership by virtue of divorce decree. Despite this status and the explicit provisions of the rules, client 's modification was denied based on his status as " non-borrower '' ( the so called " brick wall '' ), the repeated request for unnecessary and nonexistent documentation of home ownership and occupancy ( the " treadmill '' ), and have otherwise made the application for modification unnecessarily difficult. The same documentation was requested countless times. When the servicer 's employees would finally acknowledge receipt of a particular document, they would invent inadequacies and demand additional information which bore no relation to the client 's ability to pay the loan or any other relevant factor in evaluating this request. By way of example and not limitation, client is XXXX and submitted personal financial statement. Servicer then requested further documentation to explain the financial statement in detail which was simply designed to make client produce more paperwork, and did not provide any additional information. These requests for " clarification '' were repeated and abusive, and the ultimate denial of the modification was not based upon any of the information repeatedly provided and painstakingly supplemented, but upon the " borrower 's '' non-occupancy of the property in question. Servicer also claimed investor did not offer modification under the circumstances in question, a claim that was never validated or documented. In short, client was completely " run around '' in the process of attempting to modify his loan, and his application was improperly denied.
I was given a free credit report I noticed there are accounts on there that are NOT associated with me, I have never went to any hospitals EVER and receive any type of medical service, someone has either used my name or fraudulently said they were me. Theres 3 accounts from XXXX XXXX XXXX in the amounts of {$710.00}, {$730.00}, and {$590.00}. I want to either see a valid signature and ID that was used to verify me and or said it was me, I want proof of all documentation that was received in order to receive medical  services from the facility or hospital.
Servicer : SPSLoan Number : XXXXProperty Address : XXXX XXXX XXXX, XXXX, CA XXXX : XXXX XXXX XXXXShort Sale Package was submitted XXXX/XXXX/2015. There is a foreclosure sale date coming up of XXXX/XXXX/2015. SPS is refusing to postpone the sale date, and they are refusing to submit the offer to the investor for decisioning. They are refusing to allow any sort of review on the file for a short sale. 

SPS is not delegated to make decisions on the file for the investor. By refusing to submit the offer to the investor and postpone the sale date, they are defrauding their investor and the federal government.
I submitted disputes on XXXX and XXXX of XXXX and have not received anything but the standard its been verified letter from only one of the bureaus. Not once did any of the credit bureaus send me verifiable documents showing that these accounts should be on my report. These accounts I have disputed should not be on my report and I want them removed immediately if they can not furnish me with the documents I have requested. As a consumer it is my right under the Fair Credit Act to request 100 % viable proof that those accounts disputed belong to me. If this is not done, the credit reporting agency MUST DELETE THE ACCOUNTS. I am asking that the accounts listed in my disputes to XXXX XXXX - XXXX and Experian be deleted immediately as they have taken well over the time frame and have not provided me with any kind of proof whatsoever.
Continues to do business under multiple names. 

XXXX Mortgage and Finance of America. They are closing loans under XXXX and marketing under the other. They have XXXX sets of business Cards. They work for Finance of America but advertise as XXXX Mortgage. How can someone do business under XXXX names?
XXXX   XXXX  has been reporting a debt on my credit report. I have yet to receive  one notice from them in regards to the debt at my address. This also means that I was  not afforded the opportunity to dispute the debt prior to them reporting it my credit reports. I received a notice today    XX/XX/2017    that they received my dispute but there was no information to validate their letter. This is the first notice from the company to my address, never received phone calls in regards to the matter either. According to my credit report they are have been repeating the report to keep it fresh so that it starts the " credit clock '' over which i 'm sure is also illegal. Not to mention I got a notification within the last day or so that a " NEW '' debt was reporting to my credit and once again I was n't notified.