WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX, XXXX XXXX MoneyGram transaction for $ to be sent to XXXX XXXX XXXX . Amount was {$75.00} + {$8.00} fee. Reference number : XXXX. NAME WAS CORRECT ON RECEIPT : XXXX XXXX XXXX The following are e-mails from receiver ( XXXX ) : XXXX XXXX : Good morning. I went to the moneygram oficce. And they ask me for the amount and password. I couldnt get it Without. 
XXXX : Money amount is {$75.00}. Use this reference no : XXXX XXXX : Good nigth XXXX . 
I stop by moneygram to see if I can pick up the money. Its already here but my name saids XXXX XXXX and its need to saids XXXX XXXX XXXX. Hope you can fixed. Thank you very much. 
XXXX XXXX : Good nigth XXXX. 
I went to moneygram office to pick up the money. Its alteady in XXXX but my name has a problem. It sais XXXX XXXX and its need to saids. XXXX XXXX XXXX. I couldnt get it until my name be corectly. Thanks again. 
XXXX XXXX : Hi! XXXX How are you. Hope you be ok. 
I went to moneygram office. Money its here. But my name its wrong. Its saids XXXX XXXX. And it sould saids XXXX XXXX XXXX XXXX : Can you fix it please. Otherwise it wont be paid it to me. Sorry for the inconvenience..thank you. 

XXXX : Still im having problem with the money. They said it wont show up this time. Is kind of frustreited ... see if you can fixed. If not dont worrye. Thank you very much. And sorry for all this running on you ... 
XXXX : XXXX XXXX Its me again. Money gram office said you have to change the number refetence. And fix the way they wrote my name Otherwise I cant cashed. Hope you can do it. Thanks. I spend like XXXX dolls. On gas I went to a diferent money gram office. 
XXXX : ( me sending response ) What a XXXX disgrace. Anyway, Moneygram changed the name to read : XXXX XXXX XXXX. The reference number is o.k. : XXXX. If this is not successful, get me the phone number - full number with country code, etc. of the agent you are dealing with so I can try to have MoneyGram call them. Feel bad you have spent so much $ on gas. I am going to call Money Gram in Minnesota to complain. 

XXXX : Thats my phone number. I will stop at moneygram today and see if I can have the money. They open at XXXX I will sen you a email soon as I have an answer. Thank you. 
XXXX : ( me sending response text ) if they hassle you, tell them they are supposed to call their office and confirm the transaction. 
XXXX : Good afternoon XXXX . finaly I recive the money. Thank you very much and sorry for all this running.. it was hard for you. Thanks for XXXX money. Wish you the best and XXXX bless you ... we are on touch.
On XX/XX/XXXX I spoke with our account representative about the process of submitting a short pay offer. My A/R told me to submit an offer via email with the offer amount and proof of funds, which I did on XX/XX/XXXX. After no response from the A/R I called several times to make sure he had received the email. When I spoke with the A/R via phone about 2 weeks later, he told us that he had misspoken about the process and that he would be emailing me a form to fill out with my offer terms. I did not receive any form and emailed again XX/XX/XXXX to question when I would be getting this form. I never received a form and emailed again XX/XX/XXXX to inquire. After several voicemails that were never returned I called the Customer Service phone number XX/XX/XXXX and was connected to my A/R. He told me he was still waiting for the form from his boss and that he would send it to me before the end of the day. I confirmed my email and phone number with him. I never received a form. I called again XX/XX/XXXX and the A/R told me that my account had been transferred to a different account representative. He instructed me that I needed to resend my offer and proof of funds. He said he would send them to the new A/R. I sent him the information the same day. I left several email for the new A/R and she has never called me back. I called Customer Service again XX/XX/XXXX to confirm the receipt of my offer. The representative could not give me any information and was not able to reach the new A/R. I emailed the A/R again to confirm receipt of my offer and she has not contacted me since then. 

Fay Servicing has been completely unresponsive to me and I feel they are trying to stall in an attempt to avoid dealing with my request. This loan is in jeopardy of going into foreclosure for a second time and this company is letting that happen by not responding to my correspondence.
I am XXXX years old and graduated from XXXX XXXX University in XXXX of 2011. I have been struggling with student loans since I graduated. I had to move back home in order to pay the extremely high monthly payment. I have cut every cost possible, I even avoid going to the doctor or dentist if at all possible. There are no other costs to be cut except for gas and food and I need to eat and I need to drive to work. My car recently broke down and was unable to make all of the payments on it because my student loans cost so much. I have called Navient multiple times trying to resolve this issuing stressing my financial hardship. How when my car breaks I ca n't afford to fix it, when I 'm sick I ca n't afford to go to the doctor ... it 's no way to live. They offer to " help '' me with an interest only payment plan or extending my loan another XXXX years so that way I can pay even more money on my XXXX, XXXX, 11 % interest loans. I declined these offers to " help '' because they are no help at all. I stress the fact that I want to remain a good borrower but I am unable to live life and fix my car let alone go to the doctor for my own health because I can not afford it. I was lied to by being told I have to be late with payments to be eligible to lower my interest rates. Then when I asked multiple different representatives what hardships one who qualifies for the reduced rate program must face I was never given a response and told they can not discuss that with me. As I cried countless times on the phone and asked to speak to someone who can help me and not talk down to me as if I was an idiot I was either given nasty responses or hung up on. I can not go on like this. I want to work with my lenders but they are refusing to work with me and at the very least treat me like a person.
They are calling ever contact numbers regardless of who it is. Telling them that if I ca n't be found they will track me. I called the company and they are trying to get me on a XXXX credit card from XXXX that was paid in full in XXXX
XXXX XXXX XXXX XXXX has multiple hard inquiries reported. There should only be one hard inquiry reported and that is for XX/XX/2017. I did not ask the lender for multiple lines of credit and the lender is in violation of the FCRA. I ask that the lender correct the number of inquiries and remove the other inquiries that do not belong to me.
Contacted credit bureau by certified mail, XXXX XXXX, 2017, disputed a bankruptcy XXXX reporting on credit bureau. Was advised that the dispute was investigated by XXXX. <P/>However, there is no proof of the investigation and I have contacted XXXX Consumer Center and US Bankruptcy Court and was advised that information has not been verified through either agency. XXXX advised file is sealed and no information has been verified to XXXX or Experian. US Bankruptcy Court advised that they do not verify any information to third parties. <P/>Bankruptcy has not been verified or validated. Further, I was sent a response within 5 days and it is highly unlikely that of the thousand requests, my dispute was investigated and verified in that time frame. I requested proof of the investigation and did not receive any.
I had applied for a mortgage refinance with Fifth Third Bank. During the application process I had to withdraw my application because my personal plans had fallen through. On XXXX XXXX I was required to pay {$350.00} for a home appraisal which was never performed. When I asked about refunding the the appraisal fee I was told it was not possible and that the bank would keep it and consider it an application fee instead. They explained that because I had signed an intent to proceed with the loan they could keep the money. Is this correct? 

Fifth Third bank XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
I returned a Lexus XXXX Leased vehicle to the local Retail Dealership. They sent the car to Lexus Financial Services who mailed me an Invoice date d XXXX/XXXX/16, for excessive wear & tear on the vehicle for {$980.00}. In addition, they continued to charge my checking account after I returned the vehicle for another {$590.00} payment. I have called them 7 times requesting a report, my account to be reviewed as there was no damage. They
My mother is XXXX XXXX and she signed up for a loan not knowing the APR rate for the loan. I have called Big Picure Loans numerous times for weeks, they stated that they would send me an email to update and pay account off and never did. They also refused to help me pay off my mother 's loan in full. This company is extremely predatory and almost impossible to untangle with. I just want to pay the loan off and move on. They do not accept anything except direct bank deposits. After hearing very negative reviews, I am nervous to share any of my personal information. I do n't want this company to have access to anything of mine. The physical head quarters is located in the XXXX XXXX of MI which is extremely hard to get to to dispute in person.
I took out a XXXX line of credit. I repaid the company XXXX as was required of me. They added XXXX interest 3 days later. They also took XXXX from my account 2 weeks later. Inbetween the second payment they weee going to take, I contacted the company and asked them for proof and mathematical equations that proved the decimal interest ( XXXX or so ) amount changed to 299 % in a month if the contract states the interest only increases after a year of the line of credit being open. I did not receive a clear response or accurate mathematical equation to justify the added interest. 

I asked the company to stop the interest if I started a payment plan. The company said yes. I paid the company another XXXX and they debited an additional XXXX from my account a few days later after I contacted them to stop payment on the additional charge. Finally, after my account was overdrafted, the company was no longer able to debit money from my personal account. As a result, they opened a new line of interest on the interest they were not able to get, then charged an additional XXXX, totaling a XXXX debt on interest. 

Now, the company is requiring me to pay the XXXX plus any interest it gains at XXXX per month in addition to the XXXX per month payments on the original line of credit, which is now at XXXX. I have corresponded with several people at the company with no one being willing or able to provide a fair option of repayment.
I used Venmo ( owned by Paypal ) to transfer money to my spouse. The transfer was halted and Venmo kept my money but did not explain why. I received no information regarding my fund transfer until a month later, when I initiated correspondence. I was asked to submit some additional documentation because the transaction was flagged for a potential XXXX violation merely because I used the word " XXXX ''. I submitted " evidence '' about my use of the word XXXX and rather than review the documentation and determine what action thy would take, Venmo continues to keep my funds and have not provided any information-2 months later. Mind you, under law, they are supposed to keep the money in an interest bearing account and report the transaction, but I do n't think they know what they 're doing. It 's been one confused response after another. 

I expect my funds to be either transferred or returned, with interest.
XXXX  XXXX XXXX reported me 30 days late back on XX/XX/XXXX right after we all here in XXXX Florida went through Hurricane Irma and was trying to rebuild after not having power and communications. Florida was deemed a federal disaster zone and all banks, creditors and financial institutions were giving 90 day grace periods to their customers to help them through that tough time. When I found out that XXXX XXXX XXXX reported me late, I called them and they didn't care and told me they don't have to honor the 90 day federal disaster zone payment grace period. I feel that XXXX XXXX XXXX doesn't care about their customers and they have destroyed my credit score over 1 late payment during a Hurricane disaster period. They show no concern or mercy for their customers. I would like them to make a 1 time exemption and set aside the 30 day late reporting to the credit bureau due to the natural disaster. I am in the process of trying to buy a house and their negative report is affecting me from getting approved. If they set aside the late reporting is will greatly help my credit score and help me get the house. I will be homeless as of XX/XX/XXXX. 

XXXX XXXX XXXX  car loan XX/XX/XXXX XXXX XXXX acct # XXXX I have attached the statements after the hurricane showing me falling behind due to the due hurricane disaster. I have also included a Hurricane Irma disaster report showing the devastation and aftermath of the storm on my area. I am also a XXXX police officer and was pulled in multiple directions with disaster relief and support and I worked crazy hours after the storm.
A bankruptcy is listed on my credit report. I explained in detailed on my attached letter what exactly is going on. I only communicate in writing with the credit reporting agency in case I need to file a civil case.
After Hurricane Irma Wells Fargo contacted us and told us that we could opt into a Federal protection act that we could use up to 3 months of our mortgage payment to pay for repairs around the house. Then after 3 months with no payments we would make 3 on time payments and they would send new mortgage paperwork and put the the non payments on the end of the mortgage and move forward with the new loan. Before agreeing I asked if there were any other area 's that this would affect because we have PMI insurance and we were getting ready in the up coming months to request to drop it as our home value had increased. They said no, we were protected under the Federal Act and no other area 's would be affected. We agreed to enter into the Act, and we fixed up the damage to our property. I called Wells Fargo in XX/XX/XXXX to inquire about the process to drop our PMI. They sent me a letter with our options and we went with the option to pay {$500.00} of our own money to get an appraisal in hopes that we were at a high enough value that the PMI would drop. The appraisal came back ( in early XX/XX/XXXX ) and we were well above the necessary value to drop PMI. I spoke with our preservation specialist at Wells Fargo at that time and he said the new loan documents would reflect the PMI being dropped. This process would take us through the month of XX/XX/XXXX, but I said ok and we followed the necessary steps to stay compliant with the act. We made our 3 on time payments and got our new loan paperwork. By this time they have transferred our case to 5 different preservation specialist. The new loan paperwork comes in with PMI and it's not correct. I start calling Wells Fargo and our preservation specialist and I get transferred to mulitple deparments and several more people that all tell me they will help me get this resolved. It is now XX/XX/XXXX and not only has Wells Fargo not dropped my PMI. They have collected all year my mortgage payments with PMI ( that's 5 payments of {$220.00} a month extra we should be saving ). But they refuse to use the appraisal we paid for last year, that was through THEIR approved vender, not someone we choose and keep dragging their feet. I have absolutely no resolution in sight and keep getting the run around with them. Today, I get a notification from my bank that a pre authorized payment to Wells Fargo was deducted in the amount of {$520.00}. I have absolutely no idea what this charge is for, nor did I authorize it. So in my opinion this is FRAUD. My only chance of having a resolution is now making complaints as this has gone on for over 7 months and they are now deducting money out of my account with out permission.
I have had this card for almost 1 year now ( well beyond the 8 - 12 weeks timeframe past the initial 3 months bonus timeframe ), so any promotional bonus spending reviews should have been done and finished. 

But my membership account is still frozen and under review, as I can not transfer the points as advertised. 

Please make it so I can use my membership rewards points immidiately - at almost the one year mark of my having the card, the review for any promotional bonus offers should be done and complete.
Please remove the following accounts which have nothing to do with me.. I don't know how it got on my credit report but I need it removed immediately..I contacted the credit bureaus and ask for evidence but they could not supply me one. XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX  ) XXXX, and XXXX XXXX
I set up a checking account with US Bank on Saturday XX/XX/2016 in XXXX, KY. The bank was offering a promotional bonus at the time for new checking account customers and US bank credit card holders. So I close both of my local bank accounts that I have been a customer with for years to open my new accounts with US bank. The option I chose was setting up a checking account that had a {$150.00} bonus and also opened a credit card which was an additional {$50.00} bonus. When I set up the account at the branch the banker specifically informed me that I would receive this bonus within 60 days of setting up the account but at the very latest, 9 weeks from first direct deposit date. It sounded appealing to me. I made sure to meet all requirements for bonus and set up my direct deposit with my employer. It is now 4 months later and I still have n't received my bonus for setting up the account. Totally unacceptable. I have spoke with numerous customer service reps and the branch manager several times over the last couple months and the only thing they tell me is that my bonus is being processed. Also unacceptable. What drew the line today is that I called the branch manager again today and she said she contacted the promotions department and that they were several weeks backed up on promotions that it could be even longer of a wait, possibly XX/XX/XXXX or XX/XX/XXXX. Again ... .. Completely unacceptable. I also called the US Bank customer service number and spoke with a VERY rude female representative who would not transfer me to promotions or would n't let me speak to her direct supervisor. I 'm extremely frustrated with US Bank and would NEVER recommend them to a friend or family. It 's not necessarily the whopping {$200.00} bonus that has me frustrated, it 's the fact that the bank promised a new customer something that I do n't seem to be receiving. If you want me to change my accounts and join you for {$200.00} I 'm in, but I expect to receive my money. I have met my requirements and have waited WAY past projected date and I should receive it now. If I do n't receive it this week, I will close both accounts with US bank and reopen accounts with my old local bank.
On XX/XX/XXXX, Aimloan ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX ), a XXXX XXXX based mortgage lender, charged {$450.00} to my credit card to initiate the refinance of my house located in North Carolina. the {$450.00} was an appraisal fee. For months I provided every item of documentation that was requested of me, then on XX/XX/XXXX, 3 months into the loan process, I was told by XXXX XXXX, an Aimloan representative, that I would be required to provide replacement cost insurance coverage for the property, in order for the refinance to fund. 
When the refi process was initiated, I did not have replacement cost coverage. Neither XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, or XXXX XXXX have ever required such coverage on either of the older houses I own, which were built XXXX XXXX. I spent hours on the telephone and took time off from work to try to make this refi happen. My insurance agent contacted representatives from several companies, and I completed several applications, only to find that replacement cost insurance on a dwelling built at the turn of the century is so expensive that lenders do not require it. 
In my case, acquiring such insurance would negate the purpose of the refi, which was twofold. It was indicated to XXXX XXXX of Aimloan at the onset of the refi process, that one purpose of the loan was to save money, and the other was to pay off the mortgage for a second house. 
At the onset, of the refi process, I submitted documentation of my current homeowner 's policy. It was at Aimloan 's request that the payee ( policy owner ) on my North Carolina homeowner 's insurance be changed. The updated certificate of insurance was emailed to XXXX XXXX of Aimloan on XX/XX/XXXX. The bottom line is, Aimloan had my policy in their hands at the onset, but nothing was said about the necessity for me to provide replacement cost insurance until much later in the process. An unreasonable request that no other lender has ever required of me. Aimloan neglected to advise me of this requirement up front, which would have been optimal, but they also had the opportunity to advise me before XX/XX/XXXX, before the appraisal ( my appraisal copy was generated XX/XX/XXXX ). 

It was Aimloans duty to disclose their requirement/policy concerning homeowners insurance at the onset of the refinance process. They failed to do so until after they spent the appraisal fee of {$450.00}, which I paid up front. I continue to await a refund. 

If it will be of help, the loan number from one of the many Rate Lock documents generated by Aimloan concerning this matter is : XXXX [ The attached screenshot shows that Aimloan was in possession of my homeowner 's NC homeowner 's policy before XX/XX/XXXX. Item 4 is a request that my husband 's name be added to the policy ].
XXXX XXXX XXXX has incorrect hard inquiries on my Equifax, XXXX, and XXXX  credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX XXXX XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my Equifax, XXXX, and XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
I had a payday loan with a company several years ago and paid if off. Now after several years they are trying to reach me by phone to get me to come back and do business with them. when they call i dont answer so now they starting calling the references that i had listed on my original application with them. they called my wifes cell phone number and highly upset her, i feel as if my privacy was compromised. I will never do business with this crooked company again, i never gave permission for references to be called on a closed account. they are so desperate for business they have stooped to cold calling old customer and their references. Im sure there has to be some law that prevents this from happening. The call was placed from the XXXX, Tn store at app. XXXX and the number they called from was XXXX
In XX/XX/XXXX I received an alert on my credit report stating XXXX XXXX is trying to collect on a false debt opened in XX/XX/XXXX in my name I've never received any validation of the debt any proof or any correspondence with the company other than writing the XXXX and the company stating the debt is valid I have no proof or paperwork from them stating that I have no business with XXXX XXXX XXXX or XXXX XXXX this is fraudulent and illegal.