WillisBack/dataset-financial-user-claim huggingface dataset:
I received an email from moneygramheadoffice, ift was emailed to me today XX/XX/XXXX @ XXXX. Since I was a former XXXX XXXX agent and was trained to look out for these types of scams, I did not send any money or replied to the scammer. However, I wish to inform everyone to either look out for these scams and to be able to get the scammer caught and tried for their actions. Here is the email that was sent to me, I hope this is helpful. 

Dear valued customer, We have sent the XXXX out of your total compensation sum of {$2.00} XXXX USD from money gram head office in USA. All we need from you now is just list information such as your 1, Your Name -- -- -- -- 2, Your Country -- -- -- -- 3, Your Phone Number -- -- -- 4, Your occupation -- -- -- -- 5, your home address -- -- - Here is the reference number of your first payment, Sender First Name : ... ... .XXXX Sender Second Name ; ..XXXX Reference : XXXX ... ... ... ... # XXXX Amount Sent : ... ... ... .. {$5000.00} You can verify the reference number in any money gram office near you or by tracking it on our website with this link, ( XXXX XXXX XXXX XXXX ). Just fill the reference number but you can't pick it up What you are requested now is AUTHORIZATION RELEASE PERMIT, which is going to cost you $ XXXXUSD ( only ) please be aware that this is the only charges/fees, as soon as this is done, your funds will be release to you in less than 45 Mins through money Gram The status now shows Available for pick up by receiver because this amount has been on the system for security reasons, since I did not get any reply message from you after sending you several notices with the transaction details to enable you pick up your Reference number Now, you are strongly advised for the last time to go on today
My final payment was due on this loan on XX/XX/XXXX. Big Picture Loans presented a debit to my bank for less than the amount of the final payment. Then they began calling, emailing and harassing me onXX/XX/XXXX telling me my loan is late and I must call to talk with them. I called and got absolutely nowhere. Their agents barely speak English and just say they can not help you.
There are multiple violations of the FACT, FDCPA, and NFDCS. Has not validated despite multiple requests other than stating that Defendant owes the debt. Refuses to provide any information on account or any type of indication that Defendant opened the account or show any evidence that the account is his. Did not notify Defendant of their right to dispute lawsuit. Did not give a " 30 day '' notice to dispute. Harassment and abuse of constant phone call and mailings despite request for validation and dispute of debt. Threatening that not settling the debt can result in " tax consequences '' and threatening to take money they are not entitled to take. Misleading and false representations ; legal documents are sent in plain envelopes or boxes written in sharpie marker. Legal docs have no dates, no dept # and are not stamped " FILED '' or have clerk names or any identifying stamp on them from the court. This makes docs look " less important '' and " fake ''. Also sending collection notices on legal type paper that resembles a legal document. Envelopes also do not indicate the law firm or from a lawyer. This is an attempt to deceive the Defendant into thinking they are not legal documents and thus, not respond to win a quick judgment. Initial court summons was not served properly. It was left with a child of XXXX years of age at the residence. When the door was answered, the server threw the papers in the door onto the floor and walked off without saying anything. Further demands and threatening behavior. 
This law office is known for these tactics and has multiple offense and rulings against them. They are a collection agency, but pretend they are not. 
Please see case # XXXX in ( Nevada ) XXXX Justice Court.
XXXX XXXX XXXX XXXX failed to credit my account in the amount of {$2900.00} on X/XX/2017 as promised and documented on the date transactions was stopped. It has been several days now and still the amount is not within my account.
Chase Bank, XXXX, XXXX XXXX, XXXX, XXXX XXXX, JP Morgan, and others have my information and show money in account but refuse to allow me to access. I get emails and letters in mail asking me about bankcards, debit cards, credit cards that I never received. I have recently seen many types of financial things like loans, student loans, taxes for amounts like XXXX from attorney general of Texas due to a partnership I was left due to intellectual property stolen and sold around the world that I arbitrated and became partners with XXXX and various other companies. Gained many stocks. Told by XXXX XXXX I was granted XXXX XXXX when Pres. Trump was given XXXX XXXX to disperse to people who had donated a large sum of money, which I had of the amount if XXXX XXXX while thieves were stealing from me. Decided I would rather give it to charity than thieves. Did everything to stop but it's complicated. Which I believe was orchestrated for that very reason, too many things happening at the same time which was obvious since the mistakes are not typical and you generally never see those types of mistakes happen to anybody which had now become apparent.
when we bought our house last year, we volunteered to sign up for an impound account so that we would n't miss a payment. Our mortgage servicer, Select Portfolio Servicing in XXXX XXXX XXXX, Utah, takes our money for property taxes, and then refuses to pay them. They have had XXXX opportunities to pay on time, and have failed all XXXX times. Last year, we faced XXXX dollars in fines because of them. This year, i 'm lucky i caught it on time, because they XXXX yet again. This is nonperformance of our mortagage service agreement, and they need to sell our loan to a competent servicer. This is ridiculous.
I have been trying for years to get my mortgage company ( Ocwen ) to work with me due to income loss in my family. I tried for years to get a loan modification but they refused to grant it, stating that because I missed a mortgage payment I was in-eligible. I then applied for a short sale and they finally approved it XX/XX/XXXX but unfortunately the buyer decided not to move forward. I then hired another realtor to put the home back on the market and we got a contract right away. I called Ocwen to inquire if there was an auction date for the pending foreclosure and they told me no date had been set. I requested a short sale package and they told me to download the package and that they would also mail one out to me ( but they never mailed one out ). I had just completed the package when I got a certified letter on Saturday XX/XX/XXXX with a notice of an auction date for XX/XX/XXXX at XXXX. I called Ocwen immediately and spoke to an escalation manager who then told me that they had called a number that I have never had or used. He told me that the sale date was set on XX/XX/XXXX but I was told on XX/XX/XXXX that there was no sale date. I then called Ocwen this morning ( Monday XX/XX/XXXX ) to ask for the current contract to be considered and they told me that they would deny it. I am a single mom with XXXX young boys who have been trying to get Ocwen to work with me but it has been the biggest challenge and now they want to foreclose on me even though I have a contract of sale. I am asking for representation to appeal to Ocwen to cancel the sale date and work with the contract of sale that we currently have. I am currently living in the property with my young sons.
This is the second part of the issue with this company. They fixed the first one by adjusting the payment after principle pay down only because I made a complaint to CFPB. But they have not credited me the funds for overpayments for XXXX, XXXX and XXXX.
Navient worker XXXX and his manager where very rude to me, try to threaten and force me to make a payment based off the fact they offered me a plan. I explained I could not afford it, and the manager said since you declined my offer I 'm going to note it and we will have you account turned over. He went on to say how is it there your paying your other bills but you ca n't afford to pay us. We are a private loan we do n't have to work with you are offer you anything.He then went on to say I 'm going to call your co-signer now which is my father, using my number as If I was actually calling him, the manager attempted to call my dad. He returned and said he left a message and that we both need to get money together and pay. If I had any kind of work I should know the day I should be paid and I can just pay them then, I asked if I could defer my payment he never answered my question but continued to be rude and say I had no other option but to tell him a date and he could take the money out of my account.
I was in an auto accident XX/XX/XXXX and the car was classified as a total loss by XXXX. They sent SANTANDERCONSUMERUSA the check for the vehicle {$16000.00} minus my {$1000.00} deductible on XX/XX/XXXX. I was left an underwater amount of {$6500.00} since I had GAP insurance XXXX  electronically sent {$5600.00} to SANTANDERCONSUMERUSA on XX/XX/XXXX. I swiftly paid the remaining {$940.00} out my pocket which was the deductible but they refuse to apply the GAP to my auto loan to XXXX  it out. GAP was supposed to help me pay this car off swiftly so I can finance another vehicle. SANTANDERCONSUMERUSA continues to add interest on my account and ignore the GAP payment sent. I was informed by XXXX   after numerous attempts for help that SANTANDERCONSUMERUSA applies this when they feel like it was her exact words. This can not be right and something needs to be done to these negligent companies who abuse there fiduciary duties with unethical business practices soley for there own financial gain.
I sent this company a dispute letter to dispute several INCORRECT AND INACCURATE pieces of information. I wrote them a letter dated XXXX XXXX, XXXX. Listed are all the inaccurate and incorrect information being reported including liens that I 've personally verified with the courts which have been removed from their records since last XXXX XXXX, XXXX. This proves how inaccurate and incorrect this company 's reporting is ; this also proves this company 's violation of FCRA. They did not conduct any investigation. Attached to this complaint is a copy of the letter I sent this company last XXXX XXXX, XXXX. Also, Another proof that this company did not investigate, there is a certain item on the account that I disputed and still remains as verified, correct and accurate. XXXX XXXX. If this company really did an investigation, I am interested to know how. According to XXXX : " XXXX XXXX  XXXX '' XXXX control is already out of business. So, I am quite surprised when this company claims they did an investigation and the item was verified. There is no assurance that this company really conducted an investigation.
This morning I checked my credit report with XXXX and Santander Consumer USA is still showing on my credit report. They show a balance of {$11000.00} and this is old information dating back toXX/XX/XXXX. I see that the account # they use is XXXX. And the date they reported was XXXX. 
The date is wrong for when the vehicle was purchased and the car was wrecked totally and was not able to be salvaged. GAP insurance paid Santander along time ago ; so all information is incorrect.
I began receiving XXXX XXXX XXXX benefits beginning XX/XX/XXXX. Soon afterwards I applied for a discharge of my ( FFELP ) loan based on total & permanent disability from XXXX XXXX. I recieved noticed ( XX/XX/XXXX ) that my application had been received & was complete. It also stated that my loan had been transferred to the guarantor who would review my application & make a determination of eligibility. The next notice regarding my student loan is dated XX/XX/XXXX & indicated that the Dept of Education intended to collect my defaulted student loan by Treasury Offset of my monthly XXXX XXXX  XXXX benefit. I requested a hearing in this decision & received notice stating that in XX/XX/XXXX Nelnet approved application for disability discharge, but had reinstated the loan in XX/XX/XXXX due to not receiving required documents during the 3 year post-discharge monitoring period. As previously stated, I did not receive any communication from Nelnet or the Dept of Education during the time period XX/XX/XXXX - XX/XX/XXXX. After numerous phone calls I was informed by Nelnet that the 3-yr post discharge documents had been mailed to the address where I resided 18 yrs ago ( XX/XX/XXXX ). I have moved 5 times in the past 18 years. I have lived at my current address since XX/XX/XXXX, which is the address where the the XXXX XXXX notice regarding my XXXX discharge application was mailed to. I recently submitted a 2nd XXXX discharge application which included a complete copy of my original SSA Notice of Award indictating that my XXXX case would be reviewed in 5-7 yrs, which is the time period required to be eligible for the loan discharge. I have received notice from Nelnet ( XX/XX/XXXX ) stating that my application had been received & was in review ; Nelnet notice ( XX/XX/XXXX ) stating that I failed to submit valid XXXX XXXX XXXX documents.
I finished a car lease with no late payments. But they are charging me for a little dent as small as my nails for {$660.00}. It is unfair. I think the most they can charge me is say thank you for giving the car back almost new with a very little tiny dent. It 's very natural over two years of usage. I also suffered poor air conditioning for over two years and their service department kept denying the problem.
I called Equifax yesterday to submit a dispute regarding the inquiries that are present on my Equifax report that I do not recognize and did not authorize. The customer service agent repeatedly denied my request to initiate the dispute over the phone. I want Equifax to investigate the inquiries present on my report that I did not authorize.
I am never informed of this debt. I asked for proof of it thru signed documents. never received any proof. Also, it was placed on my credit report and it does great harm to my credit.I need this negative item to be removed right away.
In XX/XX/XXXX I financed an air-conditioner for my rental condo. It turns out that XXXX finances with Wells Fargo. 
On XX/XX/XXXX I received XXXX credit cards, XXXX in my name and XXXX in my husbands name. The heading states " We 're glad you 're our credit card customer ''. 

**I am NOT their credit card customer and never asked to be. I will be calling and canceling these credit cards asap!! 
I do n't even know if there is an annual fee or what the interest rate is.
I contacted transunion on XX/XX/2017 regarding some information on my report that does not belong to me. I requested that they provide me with verifiable documentation that this information belonged to me. Futhermore I explained to them that my information was being used by a family member. The letter they returned to me explained their investigation process but no proof that the information belonged to me or why they have not acted on my claims of identity theft which has been documented time and time again.
XX/XX/XXXX, I submitted a letter to close my account with Ally Bank. XX/XX/XXXX, having not yet received a check, I called to understand status on XXXX XXXX, 2016. They said they mailed the check and would need to reissue a new check. Given the amount ( over {$190000.00} ), I asked them to expedite whatever paperwork was necessary. On XXXX XXXX, I had still not received any paperwork, so again called. They said they had not done anything as a result of my original request, but would send paperwork via email. Since I was traveling, I did not have access to a printer and the paperwork " expired '' after 8 hours. The access to the paperwork was laborious at best as it was sent through a secured site. On XXXX XXXX, I called Ally Bank again ( spend another 30 minutes on the phone ) and they again indicated they would send out paperwork which would need to be notarized. They also indicated they had not yet cancelled the check. A few questions : 1 ) Why did they not immediately cancel the check on XXXX XXXX when I originally notifified them the check had been lost? 
2 ) Why did they not send out the paperwork after the XXXX XXXX call? 
3 ) Why does the paperwork expire after 8 hours so the consumer can not get access to their funds. Since I was traveling, this delayed me yet another 2 weeks? 
4 ) Why does the paperwork have to be notarized and why does it have to be sent through a secured site. On XXXX XXXX, the check had not been cashed, so I do not understand why this level of difficulty in getting access to my funds. 
5 ) Are they making the process inordinately difficult in order to keep my funds, in hopes XXXX XXXX not be relentless enough to spend hours on the phone, find a notary, decode a difficult and confusing software to access the paperwork and hope that they expedite my check and actually deliver it this time. 
I work in financial services, and take the CFPB very seriously. I have never made a complaint, but this situation has been so aggregious and so consumer unfriendly, I thought it important to bring it to your attention. I would appreciate any help you can give me to expedite this matter to a close for me and as importantly to provide Ally guidance on how to treat consumers in the future.
I contacted the companies when I found out and they said I have to go thru the insurance company to get it removed.
To whom it may concern, To explain my situation I have to start back in XX/XX/XXXX just before the onset of the mortgage crisis. At the time I had refinanced and combined a {$150000.00} mortgage with a {$50000.00} mortgage making a combined mortgage of {$200000.00} with XXXX XXXX.. On the loan agreement it is stated that current market value of the home at the time was {$270000.00}. 
Fast forward to XX/XX/XXXX. I finished off my basement and for that I took out another mortgage worth {$35000.00} with XXXX. Almost simultaneously that year I was receiving calls from XXXX XXXX. As we all know now this was a time when corporate greed was rampant which led to the historic mortgage crisis.Loans were being handed out like candy. The loan representative that I spoke with at XXXX XXXX stated we qualify for another mortgage. I took out a third mortgage for {$86000.00}. He stated that we would easily by able to turn around and refinance all of these loans into one mortgage. It was a very naive and not well thought out decision on my part. Remember back in XX/XX/XXXX the current market value of our home was {$270000.00} $ When I took out the third loan with XXXX XXXX in XX/XX/XXXX, they inflated the current market value to {$300000.00}. That is an inflation of {$36000.00} in less than 2 years. It is a known fact that the greedy mortgage companies would inflate the value of homes in order to sell mortgages leaving people to owe more than their homes were worth. 
Currently I owe more than my home is worth to this day. I struggle to make payments. Please cut me a fair deal ridding me of my mortgage with XXXX XXXX ( which has since sold the mortgage to Citimortgage ). Citimortgage recently denied me a loan modification. I just want to owe what my home is worth. I struggle to make payments, I am often lagging behind. My credit is now poor. The ripple effect of taking out that mortgage will last me the rest of my days. It has robbed me of time I could have spent with my XXXX children and my wife as I have always had to work multiple jobs to stay afloat. I didn't deserve such a lasting negative effect on my life for one attempt to enrich our lives by taking out loans meant to improve our quality of life. We want to stay in our home and deserve that chance to continue to bring up our family here. This is no mansion it is a one level ranch but it is still our home. 
We are victims of predatory lending! Make no mistake we are victims! We did not inflate the value of our home the mortgage company did. I call for an annulment or eradication of my loan with Citimortgage ( previously XXXX XXXX ).
After calling and confirming that  Barclays  was waving fees for military members, I applied and was approved for the  XXXX   XXXX   XXXX . Shortly after I recieved a statement from  Barclay  's confirming my annual fee would be waived along with a reduction in my apr to 0  %. One year later, Barclay 's has come  out saying this will no longer be the case, and that I will be responsible for the annual fee of the  card going forward. They are claiming that the waivers are being rescinded because they have a new interpretation of the SCRA. While their new assessment is correct, it does n't change the fact that I applied for the card and accepted the credit score implication s only after being told that the conditions would remain the same " as long as I remained on  XXXX   XXXX . '' I have been and will continue to be on  XXXX   XXXX  for the foreseeable future. As I am continuing to meet my obligation under the original terms, I woul d ask that Barclay 's  honor their original agreement with me.
I have asked Collection Professional to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
I have contacted not only the debt collection agency, but the original creditor. I paid  XXXX  payday loans directly to speedy cash, yet they were sold off to the collection agency without first contacting me. I paid the debt in person and per their request sent in the proof.  XXXX  at  XXXX   XXXX  informed me they do not see  XXXX  accounts yet that is what they are reporting. I repeated myself and asked him if the call is being recorded due to the discrepancies, in which he said yes. I informed him I will use the information for verification which he did n't reject. The call took place on  XXXX / XXXX / 2017 . In addition I ha ve asked them to only contact me via usps mail and they do not follow.