WillisBack/dataset-financial-user-claim huggingface dataset:
I requested a loss mitigation review for a modification to help bring my account current. The correspondence between the loss mitigation team at Freedom Mortgage and myself has been slacking. 
First, I have not received the acknowledgment letter that was supposed to be dated within 5 days of receipt of my documents advising me of the missing items. Yes I received a call, but they stated a letter was sent out. I advised them that I was at work, unable to write things down as I operate construction vehicles ( dozers, etc. ). They said no worries basically because this letter was supposed to be sent out. NEVER RECEIVED IT. I know according to the CFPB and OCC regulations, they are in violation of notifying me of my missing information. 
Number 2, Just 2 days ago, I finally received the SPOC letter advising me who my contact was. This should have been sent to me as soon as my documents were first reviewed. Not 3 weeks later. I am aware of the regulations and compliance rules/laws. 
3rd issue, I was advised my 4506T form was incomplete, when I review the sample provided verses the one I submitted, EVERYTHING is filled out correctly. This is alarming to me, as I now feel that Freedom Mortgage staff might not be able to review the documents in the proper manner. How do I know they will calculate my income, expenses, and review all the rest of my documents correctly?
I originally submitted a complaint against Equifax Credit Reporting Agency as I could not get my annual credit report for the past 4 yrs. After filing the complaint with you, Equifax mailed me my credit report at my address on XXXX XXXX XXXX in XXXX, NV. on XXXX XXXX, 2016. My first name was spelled wrong, it 's XXXX not XXXX and, more important, my birth date was wrong, it is XX/XX/XXXX NOT XX/XX/XXXX. I called and told them this and they gave me a fax no : XXXX and told me to give the following information on the cover sheet : name, social security, email address and phone no. I then faxed over a copy of my birth certificate and a copy of my social security no. XX/XX/XXXX, with a request to mail me a corrected credit report ( for free ) to insure the corrections were made. I have the receipts. Then I received a letter today, dated XX/XX/XXXX that stated the information I gave them did not match the information they currently have on file. Well, that 's pretty obvious.THIS IS BECAUSE THEY ( not me ) HAVE THE WRONG INFORMATION. The letter states I MUST submit the following : birth certificate ( I did ), XXXX ( I am retired ), pay stubs ( I receive soc. sec., I 'm retired ) and copy of my social sec. card ( I did ) It also states I must submit a copy of my driver 's license, rental agreement, utility bills etc. to verify my address. My address IS ON MY CREDIT REPORT AND I HAVE RECEIVED ALL OF THEIR MAIL AT THIS ADDRESS at XXXX XXXX XXXX, XXXX, Nv XXXX. Why do I need to verify this??????? I called their customer service no. today and was shocked. They told me that they did n't know what fax no. the XXXX belonged to and gave me a new fax no. of XXXX/Dispute Depart. and in the letter it says I have to pay for the credit report. I have no idea where all my private information has gone. They should not be allowed to function as a credit reporting agency. I would like you to fine them so much money that they might become a better company and certainly more organized. They are handling people 's lives. Your credit affects everything. If they are so concerned about protecting your credit then they should get this under control ... who knows who has all my personal information? Please make them correct my credit report and issue me a free one reflecting those corrections. The information with the other XXXX credit reporting agencies are correct.
After contacting the Department of Education and detmermining unauthorized student loans were taken out in my name i was advised to communicate directly with the student loan servicer Navient. Navient 's fraud dept requested that I complete an ID Thief Affidavit form in order for them to investigate the case. I filed a police report with the XXXX   College 's police dept on XX/XX/XXXX to report the fraudulent loans. On XX/XX/XXXX I filed a Federal Trade Commission ID theft report with the XXXX  College police report attached. This report was sent to Navient via Certified mail, including account numbers, detailed information regarding my identity, my claim and a Notary Seal. On XX/XX/XXXX I received a letter from Navient dated XX/XX/XXXX which stated that Navient closed the case because they were unable to confirm my claim. I contacted Navient for an explanation of the letter. Navient 's fraud dept agent ID # XXXX, started the case on XX/XX/XXXX. On XX/XX/XXXX, the agent insisted I i was required to grant Navient access to a third party entity in order for their investigation to proceed. On XX/XX/XXXX Navient closed the investigation due to " Insufficient information to determine fraud. '' This would mean the case only remained open for 13 days. The initial time frame given was 30 days for the investigation to conclude/proceed. In lue of this time frame not being upheld, I received communication from XXXX  XXXX XXXX XXXX dated XX/XX/XXXX. This notice advised me of a XXXX interest charge and a XXXX collection fee in addition to the Principle Balance in question. I received a Master promissory note via Navient, outside of that I have yet to receive any documentation regarding the validity, application of the loans, documents used by the person that took the loans out, or any other pertinent information to further assist in my research as well as the ongoing investigation.
Below is a description of events and the chronology in which they occurred, while dealing with Afni collections. 

On XX/XX/18, I received an email from XXXX XXXX informing me of a new account under my name. I opened and read that email on XX/XX/18. It stated that a new AFNI account was added to my XXXX  report. I followed the link and found out they had placed a collection on my account for {$370.00}. They claimed it was an XXXX XXXX XXXX account I owed money on. I have no knowledge of this account. I was unable to contact Afni until  XX/XX/18. A XXXX answered the phone and asked me for some identifying information. Once she was able to bring up the account, I was transferred to an XXXX XXXX. After she went through her legal statement, she asked how I wanted to pay for the debt. I informed her I have no knowledge of this account, nor have I received any information from Afni regarding this. I asked for proof of any communications sent to me. This is what I was told by XXXX according to her, Afni received the account on XX/XX/18. She stated that a letter went out on that date describing the debt. I asked for proof of this letter and she was unable to provide it to me. She then directed me to their website where I could find all of the communications sent to me. XXXX provided me with the instructions on how to login to my account. I told her I would look into this and call her back. On the website, I found only 1 letter dated XX/XX/18. This letter states that it confirms the original creditor and the balance owed. I could not find a letter dated XX/XX/18 as told to me by XXXX. I called her back and explained that I could not locate the XXXX letter and if she could assist me on finding this letter. She asked to place me on hold so she could speak to her support department. When she returned to the call she stated the following .... According to her support department, because Im in NY when I access the letter online it defaults to the date in which I access the account. Not sure how that happens when it is in .pdf format but Im no computer whiz anyway. I asked simply on how I could get a hold of the XXXX letter. After some divisive wording by her, she told me they were going to close the account and have it deleted. I specifically asked if they were going to send communication to the credit bureau notifying them of this deletion. She clearly stated YES.
During the buying processing of a home under construction, we applied to Wells Fargo for a small loan ( {$20000.00} to {$30000.00} ) and was told we would have to pursue an unsecured loan until the home was completed and we actually owned it. We were approved for the unsecured loan, but the actual percentage was higher than what was originally quoted. 

After the home was completed, we then applied for the line of credit loan, again quoted one percentage rate, but first had to have an inspection. The initial bank response was that it would most likely be a `` drive by '' inspection because we were asking for {$50000.00} max for a {$300000.00} plus home. In approximately 2-3 weeks later an inspector came by for a walk through. One week later, we were told that the walk through was n't good enough and that we had to have a full inspection. A couple of weeks after the inspector came through. We were finally approved for a line of credit loan, again at a higher rate than originally quoted. During this time frame, we were paying a very high interest for an unsecured loan. We feel that Wells Fargo intentionally prolonged the processing time in order to collect additional interest on the unsecured loan. 

After the the line of credit was approved and due to the very frustrating process that we encountered, we proceeded to work with another bank and secured a line of credit within four weeks. We paid off the original line of credit amount with Wells Fargo. 

Because we paid the loan off before a three year period, we were told we would have to pay an additional {$300.00} if we closed the account.. We elected to leave the account open. We just received a bill for {$75.00} for the first year period because we were maintaining an account with a XXXX balance. We were told that we would have to pay this amount each year for 3 three years because the account was still opened with a XXXX balance
I was a victim of fraud, I ask navient to fix the situation and was denied on multiple occasions. I asked navient who has been reporting this on my credit account for about 12 years now to stop. I asked for the original instrument of indebtedness in its original form and did not receive a response within the 30 days. I was then sent an altered document which did n't even has my proper social security number, not the original document I asked for in its original form. I contacted the three credit reporting agencies and pleaded with them to stop and they kept on reporting the negative inquiries on my credit which has affected me throughout the years. please help me
I stopped at this PNC branch to cash a check drawn on said bank by XXXX XXXX XXXX XXXX. My XXXX was refunding an over-payment I made of {$200.00}. Teller told me it would cost 2 % of check to cash even though it was drawn on PNC Bank! I asked to speak to branch manager who wasn't in at that time. ( Approx. XXXX ) Instead, teller supervisor XXXX XXXX came to speak with me. Though she was polite, I would have been better off talking to a computer, a desk, a chair, the wall, etc. I explained though I didn't have an account w/PNC it was a small check, written by a small business right down the road from this branch ( about a 1/2 mile away. ) I think I may have also mentioned I'm a stockholder, and I emphasized the check was drawn on PNC Bank and that XXXX XXXX XXXX XXXX, obviously was their customer, and they certainly wouldn't want me to have to pay 2 % for the money they accidentally overcharged me! Nothing! No empathy whatsoever. She simply kept chanting her 2 % check cashing fee mantra! Disgusted she wouldn't listen to what I had to say and continued to talk like a robot, I asked for the branch manager 's  business card. She handed me the card, and I started to walk away. As I looked at the card, I realized it was her card instead of the card I asked for, and I immediately headed back to the counter. I repeated my prior request, telling her I didn't want her card, I wanted the branch manager 's card. She then handed me his card. Upon getting back to my car, I sat in the car, and I called the branch manager 's phone number. Of course, one of the girls in the bank answered the phone. I asked to be connected with Mr. XXXX 's voicemail, and I was I would be connected, but I was immediately cut off. I immediately called back. This time I got another girl who successfully connected me with XXXX XXXX 's voicemail. After I left the message, I thought to myself, " How XXXX! '' There was hardly anyone in the bank when I was there, it was early, and everyone was listening. They clearly knew who I was, and I'm sure they probably erased my voicemail before XXXX ever got in the office! ( It's XXXX at present, and I haven't heard from, and I'm confident I won't. I'm sure they erased the voicemail I left him. ) I think it's an absolute sham ( and again, I'm a stockholder! ) the way this bank wants to charge me 2 % to get such a little amount of money for which I was overcharged by me dentist WHO IS A CUSTOMER OF PNC BANK!!! Poorest, most arrogant customer service I've ever encountered at any bank in my entire life! The teller supervisor 's lack of empathy and constant, robotic response is what really gets me! It's clear it wouldn't have mattered if the fee was ten cents, a nickel or a penny! She was gon na continue chanting the fee was their policy  until her lips fell off!
I have been the victim of identity theft and somehow someone has got a vehicle in my name. The account is : 1. XXXX XXXX # XXXX I first notices it few months ago that I had a vehicle and a recent 30 day late payment. 

This account was not opened by me and I have included my ftc id theft report.
The debt reported by the collection agency was removed by  XXXX  from a previous dispute. this company has also reported the same item on my credit report repeatedly  on. XXXX /2017,  XXXX 2017, XXXX /2017,  XXXX /2017,  XXXX 2017 and  XXXX /2017. I want these items and collecti on removed from my credit report
A card was taken out with US Bank without my knowledge or authorization. I have contacted them on several occassions but they have yet to resolve this matter. I notified them that I am a victim of identity theft and that account is not mine.
I was a victim of identity theft, someone applied for an XXXX credit card at XXXX XXXX. Now i have a fraudulent hard inquiry in my credit report, i ask TransUnion to remove it but they refused. I received a letter from XXXX XXXX letting me know, they ask TransUnion to removed the fraudulent hard inquiry from my credit report but nothing has changed yet. Im very frustrated, this is a very serious matter and TransUnion is not willing to help. Please remove XXXX/XXXX XX/XX/2017.
In or around XX/XX/XXXX, the credit reporting agency Equifax was the target of a massive data breach. As a result, the data of approximately 143 million Americans was improperly allowed to be accessed by malicious 3rd parties. 

Upon being notified of this breach by various media reports on XX/XX/XXXX I checked to see if I was impacted on the website provided by Equifax. According to their system I was indeed subject to that breach. I immediately placed a fraud alert in my account. Additionally I attempted to place a security freeze on my credit only to find that this would cost me {$80.00} between my spouse and myself in order to cover all 4 credit reporting agencies, a fee that I consider burdensome considering that it was Equifax that allowed their system to be breached and I as a consumer did not elect to use the services of this company. 

I have reached out to Equifax to no avail.
I am less than 2 weeks past due on my lease through Chase Auto Finance, and I have a pretty good record of paying them on time for the past 3 years. They have called me 5+ times a day, today starting at XXXX and it is now XXXX and I have already received 5 calls. They never leave a message, and when you answer it is a robo call. In order to speak with someone to ask them to stop harassing me, they require you to enter your Social Security #, which I will not do when they are calling me. 5 calls in one day is intimidating and harassing.
Send money through Western Union on theXX/XX/XXXX to pay a bill but the company sent it back through Western Union and there were supposed to give me my money back that I paid the company in the amount of XXXX. It was settled on the XX/XX/XXXX and I was supposed to receive my money on the XX/XX/XXXXXXXX. Company refuses to give me my money back
This company began reporting the account in collections in 2012. Fortunately, this company is neither licensed or bonded in the state of Texas to collect debt. By law, they are required to remove this account from my credit report
Equifax has told me that my identity has likely been compromised because of their service 's improper handling of my credit information. I am not willing to give up my legal rights in exchange for their freeze/monitoring offer. I should not have to give up my right to sue for damages in exchange for these services.
I WAS NOT ABLE TO RECEIVE MY FREE CREDIT REPORT FROM TRANSUNION CREDIT BUREAU, THE SYSTEM TIME-OUT. HOW CAN I SEE THAT INFORMATION AGAIN, KNOWING THAT THERE IS ONLY XXXX ATTEMPT PER YEAR. HOW AND WHERE DO I SEE MY FREE CREDIT SCORE FROM ALL XXXX BUREAU : XXXX, TRANSUNION, AND XXXX. 
ALSO, THE NAME ON MY BIRTH CERTIFICATE DOES NOT MATCH MY SOCIAL, PASSPORT, ETC. HOW AND WHERE DO I CORRECT MY NAME? I HAVE XXXX CURRENT JOBS AND THEY BOTH NOT LISTED CORRECTLY ON MY CREDIT REPORT. I NEED MY JOBS TO BE CORRECT ON ALL XXXX CREDIT BUREAU.
IN 2009 MY XXXX, XXXX AND XXXX MORTGAGE ACCOUNT WAS TRANSFERRED TO OCWEN LOAN SERVICING, DUE TO FACT XXXX XXXX XXXX WENT DEFAUNCT XXXX XXXX, XXXX. AS A RESULT OCWEN LOAN XXXX IS TILL REPORTING AS A DUPLICATE MORTGAGE ACCOUNT ON XXXX XXXX XXXX  AND THIS IS THE LAST TIME I AM ASKING, BUT WILL SUE FOR VIOLATION OF THE FCRA, TILA AND FINALLY VIOLATING THE : DODD-FRANK ACT 2009.
My husband and I tried to cash a check from the XXXX XXXX XXXX XXXX ( my husbands work credit union ) at XXXX on XXXX/XXXX/2016. It was declined. I came home and called the credit union and they assured me that the check was good. We tried again at XXXX ( our bank is closed on Saturdays ), again the check was declined. I have called Certegy customer service over and over again. I have never spoken to a live person. All I ever get is a recording and then I am put on hold. Endless hold, for hours at a time. My husband and I never write checks, we use a debit card all the time. The only thing that I can figure out is that we do n't meet Certegy 's criteria, because we do n't write checks. What in the world does that have to do with us cashing a check?? This seems terribly unfair to me that we are being punished and unable to cash a check at a business that offers check cashing just because we do not write a lot of checks. It is horrible that they can decline to cash your check and they do n't have to tell you why. This seems illegal to me.
Upon viewing my consumer report I noticed that their is a US Bank account that I never opened. I was recently a victim of ID Theft. I believe that this is a result of the ID Theft. I sent the following dispute to the XXXX but I received no response. I ask that this information be immediately deleted from the record they maintain under my Social Security number and provide an updated report. 



XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Fax : ( XXXX ) XXXX To Whom It May Concern : I was recently informed of negative information reported by US BANK included in the file XXXX maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a ACCOUNT CLOSURE FOR ABUSE. 

I am unaware of ever having an account from this US BANK. 

Please validate this information with US Bank and provide me with copies of any documentation associated with this " [ item ] '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

For your reference, my personal information is as follows : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Received a " welcome '' package from  Wells Fargo - here 's your information on your new account, complete with account number, debit card, application with personal data. The info states that by taking any action, including an inquiry, the account is deemed active. Tried calling Wells Fargo about this but they would not speak with us without an account number. We did not give ac count number and they hung up on us. Today, we received the PIN for the debit card.
my loan through  American first finance  who I did n't know was a long provider has not given me the contract is alone nor have they provided me account number axis to any of my nation I initially got them from the furniture store without even realizing who the buyer was going to be I just recall been approved for {$3000.00} I have since paid {$2400.00} into this loan and come to find out I owed {$3200.00} still because I 've only paid in interest which is right seems pretty illegal to do to me I have no information regarding this well at all I want to resolve this issue I want is taking off then I called in and asked for the pay off in my pale keeps increasing making it impossible for me to pay it off I need help resolving this issue and getting it off my credit report is settling this debt that I no longer care to have this is an unsecured debt according to my credit report
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX CBNA XXXX XX/XX/XXXX To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX Toll Free No : XXXX Fax : ( XXXX ) XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission CBNA XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX