WillisBack/dataset-financial-user-claim huggingface dataset:
Around XX/XX/2018 I started the process to open a Charles Schwab account that provided an debit card. In order to open this Charles Schwab account, there was a lot of forms that needed to be filled up. I was also under the impression that the debit card would be XXXX XXXX   compatible as shown on their website. When I received the card, I attempted to add this to my XXXX XXXX wallet, but it kept failing. 

When I reached out to Charles Schwab about it, they told me that the account type I opened was incorrect and they would be happy to open the right account type for me. Unbeknownst to me, they ran a hard credit inquiry on me. When I found out about this I called Charles Schwab again about it, and they apologized for it and had me close the new account. They also said they would contact the credit reporting agency ( XXXX  ) to retract the inquiry, and I would have to wait 90 days for this to take effect. 

90 days have passed. XXXX  still has the record, and Charles Schwab conveniently passed this off as my responsibility to contact XXXX. When I talked to XXXX, they refused to help me or give me any status update about this, telling me it is Charles Schwab 's responsibility to remove the inquiry. 

At this point, I'm out of options as both parties ( Charles Schwab and XXXX  ) have refused to offer any assistance.
I have received a number of collection on my credit report from Merchants Credit Guide. Each time in a different amount for the collection of XXXX XXXX. Each time I have disputed the collection and the amount. They would removed the collections only to come back with a different account number and collection amount. I also have contacted the XXXX XXXX in regards to the collections. XXXX have stated to me that they have no knowledge and or records of the amount ( bills ) owe to them. I am frustrated with the company adding collections to my account with different amounts and account numbers. I have not received documentation or any proof of this collection or collections ownership. Please have them to remove any and all collections from my ( 3 ) credit reports XXXX, XXXX AND, XXXX. And stop any actions of reporting. ACCORDING, TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a account. 

Thank you XXXX XXXX
Nelnet purchase my Loan from another company. When a company purchases a loan they are required to very that ALL details of the loan are valid. Nelnet did not validate the debt before purchase and violated FDCPA guidelines. Nelnet has been asked in CFPB complaints to verify debt by asking about the lack of reported information to CRA 's. Nelnet has never responded with verification of Debt following those allegations. Under 1692g ( b ), if a consumer notifies the debt collector in writing within thirty days of receiving the 1692g ( a ) notice that he disputes the debt or any portion of it, the debt collector must stop collecting the debt, or the disputed portion of the debt, and obtain verification of it and mail that verification to the consumer. This information has never been obtained from Nelnet. Nelnet has engaged in False or misleading representations, Other prohibited unfair practices as Debt collection agencies may not : collect an amount greater than what you owe. If they do not have validation of the debt and have not provided that it stands that the amount due can not be known. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX, -- - XXXX XXXX -- - ( XXXX Cir. 2014 ), 2014 WL XXXX ( XXXX Cir. XXXX 2014 ), XXXX XXXX XXXX. XXXX XXXX, the Sixth Circuit expanded the requirement for how a debt collector must respond to a debtors request for verification of a debt under the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. ( FDCPA )
I 'm trying to get my house refinanced with XXXX and I was told that a title search showed my old mortgage company ( BANK OF AMERICA ) sold my loan to XXXX Mortgage a few years ago ( XXXX, XXXX? ) but allegedly did not file a release of Lien with the proper county. My account number ( before my loan was sold to XXXX ) with Bank of America is so old the bank had a hard time finding it on their records ( and i 'm not sure if they really did, anyway ). When XXXX asked Bank of America to release the lien so we could finalize the closing they were told it is going to take three weeks, thus denying me the closing on my house and forcing me to miss more workdays ( at a monetary loss to me and my family, not including my stress level that just hit the roof ). I was passed from one person to another three times ; the last individual I spoke with was someone named XXXX ( XXXX ) and she was not very pleasant either. 13 years of not filing the lien release on a mortgage loan they sold to another mortgage company is appalling and unethical. Not willing to resolve this issue in a timely matter is outrageous. I need this issue resolved immediately.
Experian is the company that verifies identity for XXXX. Every year I am denied and have to go through a series of other steps through XXXX to verify my identity. As of today for the 2017 coverage year, Experian has not verified my identity even thought I have sent them the info needed. They do not allow disputes like this on their website and no one has returned my calls in any of the last 3 years that i have had this issue. I have a very extensive and excellent credit profile but my family and I are being singled out for this process every year. Last Year, My daughter was without coverage for 2 months due to this delay. I sent in a copy of my drivers license as I have every year but no response.
The client 's mother passed away. She provided the death certificate and deed showing that the house was in her name. We asked for an assumption and modification of the loan. It took Wells Fargo months to even code that the borrower had died and they refuse to accept the deed as proof of ownership and pursuant to the law provide an assumption.
We paid-off our mortgage on XXXX XXXX of this year. Our former lender ( Bayview Loan Servicing ) acknowledges that they received funds on XXXX XXXX. We called this evening ( XXXX XXXX ) to inquire about refunding the balance remaining in our escrow account. They informed us that it is their policy to wait 30 days before processing the refund.
On XX/XX/XXXX. I opened an account with VEROS CREDIT LLC. The account was closed on XX/XX/XXXX. 

I got a Repossession remark on my XXXX credit report stating that this account was Repossession, However i was involved in a car accident with the same car i couldn't work for few months and I was never notified about this debt and never received this bill since i move to another location. I would like to address this immediately The Auto Loan is paid off i owe {$0.00} dollars, and i want this negative remark remove from my credit report.
On XX/XX/2016 XXXX XXXX from XXXX XXXX in XXXX, Texas with a phone number of XXXX closed my CHECKING account XXXX days before HE KNEW my automatic deposit would be arriving because I had this account since XX/XX/2016 when I opened it up at XXXX XXXX XXXX, XXXX, Texas XXXX with XXXX XXXX # XXXX under account number XXXX ; XXXX XXXX or XXXX XXXX then accepted my funds of {$2000.00} XXXX & then DID NOT return them to the issuing financial facility until 10 days later BUT suggested I stop by XXXX XXXX in XXXX, Texas to see if I could pick up the cash from this location when I was IN XXXX, Texas XXXX XXXX, Texas at XXXX XXXX XXXX XXXX Washington, Texas XXXX ( XXXX ) where XXXX & XXXX were tellers & so nice as well as XXXX plus to my knowledge I have never met XXXX XXXX or XXXX XXXX because I only stopped by XXXX, Texas bank on a handful of occasions & used the DRIVE-THRU because I was headed to Washington or XXXX, Texas to see family
I don't understand why my credit score has dropped 13 points and nothing has changed from the last report date. I feel that this reporting system is taking advantage of consumers. There is no reason why my Transunion credit should have dropped 13 points. This system is unethical no morals what so ever. I need my 13 points back on my report immediately. Can  you please assist me thank you.
Equifax faced a recent security breach and my data was compromised. They withheld news of the breach so select investors could sell their stocks ahead of the pending fallout.
My most recent statement indicates XXXX charges for interest rate. XXXX is interest charge on purchases and the other XXXX is interest charge protected purchases. To the best of my knowledge I did not subscribe the XXXX service. I log in for chat with their rep. she was unable to tell me the difference between the XXXX interest charge, she keep telling me that it was a special purchase charge.
Bank of America promised to reward XXXX dollars to customer who spend XXXX dollars within 3 months after opening their credit card. I have not received this such reward, and the bank representative denied the existence of this offer.
Received letters from XXXX XXXX XXXX twice since 2018. I contacted them with question about the debt/delinquent account, and why it pertained to myself. My father and grandmother purchased a vehicle through a local dealer. On the letter from collection is reference from the dealer to myself with an outrageous balance that is false and also doesn't involve me. They give no information in why they're collecting this debt and also no reason given about such.
Graduation 2006. $ XXXXdebt/Flooded in Katrina . Home flooded, my wife and children had to relocate/join me in TN. Have aggressively paid Loans. We Question how Principle is applied, the 10Year Forgiveness Program, and Income-Based Exclusionary Loan Forgiveness Program. Responsibile Good Stewards of Loan Repayments. Countless phone calls, begging, seeking Resolution. 1st complaint XXXX. The process restarts with a new high school graduate, Been unable to contribute to a college fund. Navient is Criminal and Stifling in its Loan Practice. MS Navient Lawsuit/Attorney General XXXX XXXX. Balance- {$19000.00}!
I bought an XXXX XXXX XXXX, Fully Unlocked 5.8 '', 64 GB - Silver Sold by : XXXX   {$1100.00} XX/XX/2018 When the package was delivered, there was no phone in the box, just another box. XXXX denied my claim for a refund because the package was delivered. 

But i paid for a phone, not a cardboard box.
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX : 90 days past due XXXX, 60 days XXXX, 90 days XXXX, 120 days XXXX, XXXX XXXX : 60 days past due XXXX, XXXX, 90 days XXXX, 120 days XXXX XXXX : 60 days past due XXXX, XXXX, 90 days XXXX, 120 days XXXX XXXX : 60 days past due XXXX, XXXX, 90 days XXXX, 120 days XXXX XXXX : 60 days past due XXXX, 90 days XXXX, 120 days XXXX XXXX : 60 days past due XXXX, 90 days XXXX, 120 days XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
XXXX XXXX collections reported an account with the amount of {$490.00} on XXXX XXXX and XXXX XXXX of XXXX. I have never received any mail or proof of Validation nor Verification from the company before they reported this. I am requesting that they send ALL DOCUMENTATIONS THAT SHOW I HAVE A CONTRACT WITH THEIR COMPANY ( I need to see my Actual signature on these documents ) Also send me proof that they have spoken with me before reporting this account.
I have Navient for a servicer. In XX/XX/2016 I contacted them to apply for the Non-Profit Loan forgiveness program. I was told I did not qualify for the RePAYE program ( income driven ) to pay the loan down within the 10 year non profit forgiveness program, when in fact I was eligible and qualified. A year has passed now and if I want to get on the program my payment will now be considerably larger and I have lost 1.5 of the 10 years of qualified non profit employment. I even went to studentloans.gov where it stated I was eligible bur Navient refused.
This derogatory information is reporting on my bureau and this company i have never heard of, never done any business with them and i previously disputed this information under a different company name and it is reappearing as a new trade line under a different company name. I do not do business with XXXX and have no clue why i am repeatedly disputing erroneous information on my credit reports.

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX  ) XXXX
this account from XXXX XXXX does not and should not have any delinquencies, i have already submitted the letter from the creditor itself to all three major credit bureaus, experian and XXXX have not removed this inaccuracy yet, please find attached the creditors letter for which they have approved of doing so. 
thank you
On XX/XX/XXXX 2017 XXXX XXXX re-inserted an old debt onto my credit report and failed to notify me within 5 business days afterwards and wo n't remove this previously Deleted item.
I started having problems with this company last year when they couldn't figure out where to put the extra money I paid for my escrow account. so I received a letter stating there was a shortage so I called and was told if I paid the full amount the monthly mortgage wouldn't change so I did. since I was late reading the noticed I paid {$150.00} for XXXX then I paid regular mortgage {$990.00}, I also paid a total amount of {$1000.00} for the escrow shortage and fees. I spoke to a XXXX XX/XX/XXXX to ask why the money wasn't put into the escrow account she said it was but the statement showed otherwise. so after that I kept getting new charges and my mortgage went up double, I called again on XX/XX/XXXX and spoke to XXXX # XXXX, she informed me that that the extra money I sent was put in a 'SUSPENEDED ACCOUNT ' not put in the escrow, and they were taking money to apply to my mortgage which I was told would be {$1000.00} but since they didn't apply the amount to my escrow they were taking it out of this account each month?? so she said she would put it all in the right account and I still had to pay and additional {$170.00} total me paying {$1300.00} and everything was supposed to go back to the {$1000.00}. which I paid over the phone. but the next statement was like I hadn't paid any of the fees and I get a letter stating delinquent and he said I missed a payment I have never missed a payment in the 16 yrs that I had my house. they are making me late with other bills paying extra money, now I can't refinance because of other payments this has dropped my credit score. I am so disappointed with this company. I want it cleared so that I can refinance.
Complaint - To help us get the investigation process started, provide a brief description of the complaint including dates and the names of those you dealt with. 
Do NOT include any personal information such as account numbers or Social Security numbers. 

Title : Account Opening Bonus ( {$300.00} ). I received a flyer from BB & T to open a new bank account, per flyer I would be eligible for {$300.00} account opening bonus if I will keep {$5000.00} in my account with 30 days of account opening. I went to the BB & T XXXX branch with the flyer and opened an account on XX/XX/18. Per flyer language " Use promo code " XXXX '' when opening your account to get {$300.00} - offer ends XX/XX/2018 '' I asked banker to ensure that I get account bonus since I made deposit of {$5000.00} in my bank on XX/XX/18. I waited until XXXX end to receive {$300.00} bonus since I fulfilled all the conditions. I called BB & T customer care three times to  know whereabout {$300.00} bonus but they had no idea and they told me to check with the bank directly. I visited branch on XX/XX/2018 and explained the situation to business banker " XXXX XXXX '' he promised to look into the matter and resolve it by XX/XX/2018. After XXXX I made three follow-up calls to him but I did not receive any response. I am very unsatisfied with poor customer service and lack of accountability demonstrated by BB & T. I have original flyer clearly indicating that welcome bonus will be deposited within 90 days if {$5000.00} is maintained as average daily balance. Please help me to get resolution and promised bonus.
XXXX 2 separate letters of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills. On XXXX, I wrote to them asking to validate said collection accounts. I further requested that they cease and desist. My correspondence was sent via delivery confirmation, which they received on XXXX. 

XXXX Correspondence generated from XXXX XXXX XXXX XXXX, Division of XXXX, with attached medical bills attached, which is a clear violation of HIPAA law. On XXXX, I again wrote to them indicating that I disputed the bills and asked that they cease and desist. I further and asked for a copy of a signed release wherein I waived my HIPAA rights. They received that via delivery confirmation on XXXX. 

XXXX 3 separate letters of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of the original medical bill and two additional medical bills. On XXXX, I wrote to them asking to validate said collection accounts. I further requested that they cease and desist. My correspondence was sent via delivery confirmation, which they received on XXXX. 

XXXX XXXX 2 separate letters of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills sent in my husbands name. On XXXX, I wrote to them asking to validate said collection accounts. I further requested that they cease and desist. My correspondence was sent via delivery confirmation, which they received on XXXX. 

XXXX Correspondence generated from XXXX XXXX XXXX XXXX, Division of XXXX, with attached medical bills attached, which is a clear violation of HIPAA law. On XXXX, I again wrote to them indicating that I disputed the bills and asked that they cease and desist. I further and asked for a copy of a signed release wherein I waived my HIPAA rights. They received that via delivery confirmation on XXXX. 

XXXX Correspondence of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills sent in my name. 

XXXX Correspondence of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills sent in my husbands name. 

Between XXXX and XXXX, this company has telephone me 8 times even though I asked them to cease and desist. Today, XXXX, this company called my employer. 

This company has not provided either my spouse or me with a copy of a signed contract that we owe them any money. Nor have they provided us with a copy of a signed contract that they may act as collecting money for the medical clinic. In addition, they are not abiding by our requests to cease and desist.
XX/XX/XXXX- signed contract for solar panels ( {$50000.00} across 4 credit cards, all $ XXXX and up ) XX/XX/XXXX - called into customer service to see what options ( had not received solar panels yet ) - was told max $ XXXX return - so continued to work with solar company and their date extensions due to " rains '' XX/XX/XXXX - solar company quit responding XX/XX/XXXX - hired lawyer- got nowhere, credit dispute dept basically told lawyer they could not even settle with me until my card goes 90 days delinquent Currently - I am now 90 days delinquent and settlement offers are lame- and principle of the matter of having to settle for something I never got is physically upsetting That solar company closed shop, 1 owner ran and the other opened another solar company in our same area yet I can't do anything to them to get my money back. 0 % looked great as an option for solar panels vs 5 % min bank loan - now its a nightmare XXXX and Capital 1 both clinging to 120 days to report fraud. I wouldn't have known at that point.
There are some inquiries on my experian credit report that I did n't permit some being multiple times : XXXX XXXXXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX XXXX XXXXXX/XX/XXXX,XX/XX/XXXX7,XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXXXX/XX/XXXX,XX/XX/XXXXXXXXXX/XX/XXXX,XX/XX/XXXX
I have sent numerous dispute letters to XXXX about a furnisher /public record named XXXX XXXX XXXX XXXX XXXX XXXX they are reporting on my credit report. XXXX claimed they verified directly with the with Lexis Nexis that XXXX XXXX XXXX XXXX XXXX XXXX that the account belongs to me. I 've requested their method of verification SEVERAL times and each time they just mark as " verified '' without providing me proof of their method of verification with a written reply from the furnisher nor Lexis Nexis ( who  by the way has my account locked ) that clearly states this account belongs to me. These are all clearly stated on all my requests and yet they ignored and just marked it as " verified ''. If my account with Lexis Nexis has been  locked from access how is XXXX able to verify this? I 'm very dumbfounded. 
If XXXX is not able to provide their method of verification to me how do I know this belongs to me and how is this accurate? 

Nonetheless, I made my own request directly to XXXX XXXX XXXX XXXX XXXX XXXX, and my letter was as returned '' ( letter attached ). Now, with my request being returned from the court, how is XXXX and Lexis Nexis able to verify so quickly with the court and mark it as " verified '' and close my dispute? With XXXX XXXX response to my CFPB complaint # XXXX as " verified '' again. How is this all possible and how is this fair and accurate reporting? 

Several creditors, home lenders refuse to provide me credit due to this information and it is very damaging to my score. I 've attached all the letters I 've sent to XXXX and each dispute they 've responded with " verified '', again without providing me information on how they verified this information from Lexis Nexis or the furnisher. 
Again, each dispute I 've sent to XXXX answered as " verified '' without providing me proper " written '' method of verification is a violation of the FCRP 611 ( a ) ( 7 ). This is an intentional false reporting if they are unable to provide me their method of verification. I am making one final attempt to have XXXX correct/delete this information from my personal credit report before I proceed in a small court claims if they are unable to provide me WRITTEN verification on how they verified this directly with Lexis Nexis and/or the XXXX XXXX XXXX XXXX XXXX XXXX. 

I, again will remind XXXX that in a case, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance.
XXXX XXXX XXXX  has a report that has not be accurately adjusted on the account holder 's credit report. The report states that the account is negative and unpaid. On XX/XX/2017 the account has been resolved with XXXX XXXX, XXXX and the account has been satisfied and closed. The XXXX XXXX, XXXX has failed to share this information with XXXX XXXX XXXX, XXXX XXXX XXXX  has failed to accurately update the information that was originally reported to the credit bureau.