WillisBack/dataset-financial-user-claim huggingface dataset:
On or around XX/XX/XXXX-18 I filed a transaction dispute with a teller at XXXX XXXX   regarding a purchase at XXXX XXXX that was missing items. 

I explained to the teller that my order was incomplete and after trying to get replacement items from the company through emails for about a month they never sent some of the items I had paid for. 

I provided some of the emails and a statement to XXXX XXXX at their request for my evidence disputing the charge. 

On XX/XX/XXXX18 I received a credit from XXXX XXXX for {$180.00} which was the original purchase price at XXXX XXXX. 

On XX/XX/XXXX18 XXXX XXXX removed my credit of {$180.00} and in a letter umpqua bank stated that " no error had occurred and based on my agreement with the merchant my order had been processed correctly '' This confused me greatly as I thought the information that I provided clearly indicated that I did not receive some of the items I paid for. 

On XX/XX/XXXX18 I returned to XXXX XXXX to re-file my dispute and even provided more of the emails to show my order was never completely fulfilled. 

OnXX/XX/XXXX18 I received a 2nd credit of {$180.00} while XXXX XXXX re-investigated my claim. 

I thought the situation would finally be over, as I could not believe that if someone actually looked at the emails I provided from XXXX XXXX and myself it was clear I never received my complete order. 

Then it happend. 

On XX/XX/XXXX18 I received a letter from XXXX XXXX stating that my claim was again denied because " no error had occurred " and they closed my dispute.

On XX/XX/XXXX18 I again went to my local umpqua branch pleading with the teller to please contact someone in the dispute department to help me. She told me she would call me back that afternoon and never did.

On XX/XX/XXXX18 I called XXXX XXXX customer service phone number that was provided on their letter and spoke to XXXX about my situation. XXXX informed me that the dispute department is a closed department and there is nothing I or anyone can do about the situation as they only allow for one dispute inquiry and once the decision is made its final.

XXXX informed me that XXXX XXXX provided a tracking number that I received the package form the merchant on XX/XX/XXXX18 and that was the reason why my dispute was denied. I never claimed that I did not receive a package my contention is that it was missing items. This is the part I didn't understand and asked XXXX " if they sent me a box of dirt and I received it does that mean my order was fulfilled as purchased ''? That's why its seems no one read the emails between XXXX XXXX and myself. 

I asked XXXX if there was any recourse or agency that could help me further and he said " no ''. 

Then through my own research I found the CFPB.
I obtained ten separate student loans from XXXX to XXXX to attend XXXX XXXX XXXX XXXX  XXXX. XXXX was the original servicer of these loans. I was unable to obtain gainful employment in my field of study, so I had these loans in forbearance or deferment status until XXXX. That is when all of the loans became delinquent for a period of ten months and were transferred to the Department of Education. In XXXX, I applied for XXXX and XXXX XXXX XXXX through XXXX and satisfied all of the requirements for the three year monitoring period. In XXXX, I received a discharge letter from XXXX. All ten of my loans are being reported twice on my credit report by XXXX. XXXX corrected the status of four of these accounts to " current, paid as agreed '' after I disputed a false late pay on my XXXX report during XXXX XXXX. I prevailed in getting the false late pays removed. I filed an additional dispute with all bureaus to correct the status of the remaining six loans from currently 120 days late to " current ''. That dispute was unsuccessful. I contacted the Federal Student Loan Ombudsman Group for assistance. The first investigation was unsuccessful. I filed a subsequent case with the Ombudsman Group, via email and this case was concluded in a very timely manner. I was assured by the Ombudsman that XXXX would correct the reporting of these accounts, however this has yielded more issues. XXXX responded with correspondence to me stating that after a careful review of my account, they submitted a request to all national credit bureaus to update the trade lines for my loans to show a XXXX balance. I called XXXX to clarify the information in the letter, and the representative stated that the delinquencies would be corrected. XXXX reported all ten of my loans on my credit file with all three bureaus a second time, these loans are reported in good standing. However, the loans are listed twice by XXXX now, with the status not being corrected on the first set of loans reported. Also, all ten of the loans are listed on my report by the Department of Education in a paid, written off collection status. These loans reported by the Department of Education were in good standing up until the point where " inappropriate '' corrections were made. In short, I have ten separate loans that are being reported three times with all three bureaus. Each loan is being reported as a derogatory account twice, once by XXXX and once by the Department of Education. This amounts to twenty derogatory accounts on EACH of the three bureaus. I have consulted with an attorney in this matter, I was advised that since the loans are discharged they should be completely stricken from my credit file. I have attached the letter of discharge from XXXX.
I ordered service they never delivered the device so i called and canceled. They canceled it and told me is account closed. After 6 month later i see this account in collection please help me fix it.
Experian is reporting opened date and payment history in this account XXXX XXXX XXXX XXXX wrong, since this is inaccurate reporting please remove it from my credit report.
Checked my credit on XX/XX/2016. I have never received a notice from XXXX kendwood services. XXXX has stated that I owed {$670.00} to them. They have sold this debt to a a collection agency called Midwest Recovery System and reported it to the credit bureau. I have never received no confirmation of owning this debt.
Equifax released my personal information due to a hack and my identity was stolten, with 1000s of dollars of fraud committed in my name. I filed a fraud alert, and froze every credit bureau account. 

Then, someone filed a change of address to my account ( which should not be able to occur at all due to freeze and fraud alert ) for an address that does not even exist. 

This company literally supports fraud by not actually investigating changes to your account.
In XXXX of XXXX, i notified Upgrade of the natural disaster which was hurricane Florence which devastated my area. We are located in a declared natural disaster still. They told me i would allowed two deferrments or extensions that would help me get back on my feet until the end of XXXX. It is now XX/XX/XXXX and i am about to close on a home equity line of credit which was not only to get myself and my family back on my feet, but also to pay Upgrade off. They never gave me an extension and now on my three credit bureaus it is showing i am 60 days late on my account which is not only enabling me on closing on my home equity line of credit, everything they have told me concerning the the extension unitl XXXX was a lie and deceptive to me which is now putting me in a position to either have to file bankruptcy or hire a debt settlement bank to help me settle for pennys on the dollar. All because of Upgrade 's deceptive tactics. I have tried numerous time to speak with a supervisor and not one time have they emailed me or called to address the matter.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 XXXX XXXX from Clearview Resolution Services made calls to an old employer, left messages and spoke with receptionist, in detail, about debt owed. 

I have tried, repeatedly to call this company to figure out what the bill is for, and until I unblocked my phone number, it would not go through. 

XXXX XXXX harassed the receptionist at my prior place of employment, telling her that they were going to serve me papers there. Then she accused me ( after I finally got through to them ) of being the one who answered the phone and proceeded to tell my that I am a liar and a fraud. 

XXXX XXXX at Clearview Resolution Services is rude, and threatening. I believe this violates all the laws in place to to protect the consumer.
I have pulled my credit report and found there to there to be inaccurate inquiries on my credit report. I have sent 2 letters via certified mail to Equifax Credit Reporting Agency requesting for the removal of these inquiries. This is my official complaint and last resort  before I seeking damages if these inquiries are not removed. It is to my knowledge that the FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes.

1. XXXX XX/XX/17 2. XXXX XXXX XX/XX/17 3. XXXX XXXX XX/XX/17 4. XXXX XXXX XX/XX/17 XXXX. XXXX XXXX XXXX XX/XX/17
On XXXX XXXX, 2016 I went to XXXX XXXX in XXXX, TX and used the Western Union Terminal to transfer the sum of {$120.00} to XXXX. My MTCN tracking # is XXXX. One issue that came up during the transaction was : did the recipient have an ID. I was not sure and the agent suggested that a test question and answer would suffice. I provided a test question plus an answer. 
A day later the recipient informed me that the Western Union agent bank refused to provide the money because of an expired ID and also denied request to use the test question. 
I went bank to Western Union and wanted to recipient name be changed to another individual that has a valid ID. The agent refused to entertain my request stating that I must call from the home telephone number I listed on the transaction, or go to XXXX and make the request. I went back to XXXX and spoke with an agent. He stated that Western Union would not let them change name but can issue me a refund less the transfer fee of {$9.00}. I refused such refund offer. I went home and called XXXX and after about 30 minutes of speaking with XXXX different individuals I was advised to go back to XXXX and get the {$120.00} refund and the agent would put a request for refund of the fees. She further advised that the {$9.00} would be mailed to my home address. 
I did just that. Two days ago I inquired on the status of the fees refund. The Western Union representative advised me that my request was denied because it was not their fault that the recipient did not have a valid ID. I mentioned that the XXXX agent told me that test question would be used in-lieu of a valid ID. He stated that Western Union policy is that for all international transfer all recipients must have a valid ID. This was the first time I was told of such policy. I wanted to know why such information was not given to me during the initial money transfer transaction, the agent had no answer for me. 

I 'm requesting that my full {$9.00} fee transaction be refunded to me.
I received a letter from Midland in 2013, I immediately, ( XXXX XXXX 2013, they received it on XXXX XXXX ) sent them a letter requesting validation on the alleged debt. To this date, I have received any response nor validation to this alleged debt. Instead, I received another letter attempting to collect another debt as the account number of the previous alleged debt do n't match. My name does n't even match, i 've sent them another letter requesting validation again for this alleged debt. This is basically the XXXX bogus attempt from them to collect a debt that I do not owe to them. Also, with this contact they are in clear violation of the Fair Debt Collections Practices Act. As i 've never received any response on my previous request for validation, instead I just received another letter attempting to collect. My initial request for validation was timely within the XXXX days timeframe I have to request validation under FDCPA, so ; any further activity to collect on the debt would be a violation of their cease collection bar under FDCPA 809 ( b ). If they are communicating regarding a different collection ( i.e., they consider it to pertain to a different debt ), then that would have required they send another dunning notice within XXXX days after any initial communication. They thus either consider it the same debt, or have violated requirement for a XXXX dunning notice.
In  XXXX   XXXX  we received the first piece of communication, in some 4 years, fro m SLS ( S  pecialized Loan Servicing ) r egarding our second mortgage on our home, stating that we were approximately {$6000.00} in arrears, demanding payment or foreclosure proceedings would be initiated. We had diligently made every payment to this servicing company that had taken over our second mortgage, even though they refused to communicate with us since  XXXX  of  XXXX , when we had been forced to file personal bankruptcy. We made call after call to SLS to try and determine what was going on but they refused to speak with us and finally we were forced to have our bankruptcy attorney call, at which time they advised us that the loan had reach a point of re-amortization in  XXXX   XXXX , and the payment had changed from {$250.00} to {$820.00} per month. In any case we paid the arrears amount immediately and began looking to refinance our mortgage. SLS unfortunately has taken this opportunity to report erroneous negative information on our credit report and to other mortgage lenders seeking a payment history. We strongly assert that we did not receive any notice of changes to our mortgage payment leading up to the  XXXX   XXXX  change, nor did we receive a single notice of a shortage from  XXXX   XXXX  - XXXX   XXXX . I ca n't see any reason why we should be penalized when SLS clearly did not follow the law regarding a change notice, nor did they make any attempt to contact us when they saw we were making the same payment we had for the last 10 years, instead of the re-amortized payment amount.   I asked SLS today why they did not send us any notifications, and they state that they did, on  3  occasions. I am old school. I read the newspaper ever day. I read all of my mail every day. I know that it is not possible that SLS could have s ent 3 notices and I would not have seen any 1 of the m. Our phone number has been the same since we bought this house as well. We have not received a single phone call or message from SLS regarding this or any other matter. I asked if any of their communication was sent as registered mail, and of course their answer was no. We received no communication and no documentation, period.
Amex used higher APRs to calculate interest/finance charges on my XXXX 2016 ( XXXX/XXXX/16 ) Amex Clear Card Statement.
I have repeatedly asked this online bank to verify whether they have in any way contacted any credit bureau regarding fees they illegally charged when I closed my account, or will contact any credit agencies, or in any way submit anything negative about my credit rating, and the bank has stonewalled deliberately for months, repeating fifty times only that my account is no longer overdrawn, which I have known for months. The bank does not remotely answer the simple question ; has it taken any action regarding my credit history related to my account closure? This bank should have its license revoked
XX/XX/2015, Discover posted a promotion that advertised XXXX % cash back on purchases made with XXXX Pay. They amended the terms and conditions after the offer had started to add a condition prohibiting gift card purchases. Then, starting in XX/XX/XXXX, Discover arbitrarily and without proof began to disqualify entire purchases based on their hunch that the purchase might contain a gift card. In order to receive the cash back promised on the payment, the customer was required to provide receipts ( which has never been, and still is not, in the terms of the promotion ). 

I first received notice of disqualified purchases on XX/XX/XXXX ( attached : XXXX ), with additional notices on XX/XX/XXXX ( attached : XXXX ). I e-mailed Discover on XX/XX/XXXX to let them know that I had not saved the receipts from those purchases, but that they were all at least partially non-gift card purchases, and requested the XXXX % cash back that I was due. I received a response from Discover on the XXXX ( attached : XXXX ) telling me they would request my receipts from the merchant and I would hear back when they were done reviewing the account. 

It is now XX/XX/XXXX and I have n't heard anything from Discover since then. I would like my cash back, as I have paid an opportunity cost in using Discover over other cards at that time. The amount of cost in disqualified purchases was {$1800.00}, so I would be owed {$180.00} cash back on the purchases if the full amount were to be found eligible.
I encountered significant hardship in the last year : became a single mom ( no child support ), closed two of my businesses, and suffered extreme financial hardship. I applied for loss mitigation over 6 months ago ( immediately when I fell behind my second missed mortgage payment ). With a ton of back and forth, constant follow up, I finally received a letter today that was dated XX/XX/18. Saying I did not quailify. They did not specify a reason, or date of foreclosure. Im desperately trying to save my home for my XXXX year old son and myself, to keep a roof over our head, and I have tried making payments but they have been sent back. They are demanding I pay {$13000.00} in full and I do not have that.
I had an invoice from XXXX XXXX XXXX and it was referred to Medical Business Bureau for non payment. Debt owed was XXXX. On XXXX XXXX, I called and paid this and was promised it would be removed from all XXXX credit reporting agencies. As of today, all XXXX show a balance, however it shows closed on XXXX. Medical Business Bureau has failed and I expect complete removal of this from my credit report. Please see attached paid proof along with my current credit report as of this morning showing the debt open/not closed/.
Hello, My name is XXXX XXXX and I completed a program through the XXXX XXXX XX/XX/XXXX I believe. It was a loan rehabilitation program to remove penalties from my defaulted loans and bring them current. After finishing the program my loans were sent to Navient and they settled on {$84.00} per month. I had been making payments then all of a sudden the loans were sold and I have no idea where they are. I was still paying through Navient but that is NOT who these funds were being dispersed to. 
Unfortunately a substantial amount of time has passed. I sent a previous complaint in XX/XX/XXXX stating that I could not reach anyone from XXXX XXXX now Navient. I was always routed to a collection agency, even though I have been paying on XXXX loan consistently since XX/XX/XXXX. XXXX XXXX responded admitting to this action taking place. The Case Number is XXXX. 
I was unable to contact anyone about where the loans were sold to. I received no correspondence. I even reached out to student aid.gov and they said that they can not help me as they do not handle these things but I can contact my lender. This was very unhelpful because a ) my loans had been sold b ) XXXX XXXX/Navient was routing all calls to creditors c ) you ca n't handle this issue but you can take my money. 
This has been a grueling process over the last 5 years and it 's a huge maze and circular. 
I have also recently found out that Navient has stooped applying my $ XXXX monthly payment to my {$1700.00} loan that I have been paying since XX/XX/XXXX. I am almost done paying it off and they have taken it upon themselves to appropriate the funds elsewhere without my permission. 
At this point this needs to be sent my state Senator and Attorney General. 
Thank You So Much for Your Help, XXXX XXXX
I was never laid on my XXXX XXXX Credit card. They reported me as late in XX/XX/XXXX. I paid of the card in full. Capital One had an issue processing it. I was told this would be updated ... they DID update it.. then it came back on my report ...
I have attempted several times to get the tax lien removed however experian ignored all my attempts. I have applied with XXXX and got an approval for withdrawal which I sent to county of XXXX XXXX who confirmed that this is NO longer a public record and they are NOT reporting this to the bureaus which I have submitted to experian with hopes that they will remove this inaccurate information from my credit report. However, all my requests were ignored and nothing was done to correct this
I have tried repeatedly to obtain a mortgage modification from Ocwen, my mortgage servicing company. They have never offered any reduction in principal, have done their appraisal on the wrong house, and have denied me with no reason given. This is a short version of the ongoing ordeal. Giving up on a modification, I have been trying to do a Deed in Lieu for the last 9 months, with them dangling the promise of a relocation fee. They have delayed and goven me erroneous info over and over again, and have already forced me to reapply once because time had expired, even though the delay was due to actions on their part. Now a further reapply is about to occur, again because of erroneous info provided by them. It is maddening to deal with this company. I am certainly at fault for being behind in my payments on my mortgage, but it is them who have caused me to be so far behind with fees and charges and months and months and months of applying and being rejected for program after program, often with no reason given, and based on erroneous info provided by them. I have no idea if they are proceeding with foreclosure or not. I just want to resolve this issue. It is driving me crazy dealing with these incompetent, inconsistent people. One person tells me one thing and another tells me something else. Please help me if you can and tell me what I can do to deal with Ocwen and resolve the status of my home. This is certainly a short version of what has gone on over the last 3 years. 

Thank You XXXX XXXX XXXX
I entered into a loan rehabilitation program with the Department of XXXX. If I made my XXXX payments on time that XXXX would remove the default status on my loans that were rehabilitated. I was told if I disputed my credit report, by XXXX, that my credit report would update faster. I disputed the XXXX accounts as not being in default/not late. The credit agency contacted XXXX and XXXX stated to remove all accounts instead of taking off the default status, as per our written contract. I would like to have those accounts added back to my credit report and updated with the default status removed.