WillisBack/dataset-financial-user-claim huggingface dataset:
I received an e-mail XXXX ; XXXXXXXXXXXX To XXXXXXXXXXXX CC XXXXXXXXXXXX XXXX XXXX at XXXX Hello XXXX, The package entails a check of {$2900.00}. You are required to deposit the check at your bank. Do note that we deal with banks ONLY, Reason is that we make monthly reports of our transactions and financial activities to the government through the bank, so the records are required. 

STEPS TO FOLLOW You must memorize key points e.g. staff name, location of toilets etc. 
Do not use leading questions e.g. " do you sell large drinks? ". This will restrict the level of service the staff are able to provide. 
Relax, act normally, and do not draw attention to yourself. 

FIRST ASSIGNMENT INSTRUCTION BELOW You will be evaluating XXXX ( XXXX ) Money gram stores in your city. The payment you received covers all expenditures including evaluation, shopping, transport and your compensation ( salary= XXXX ) for these surveys. The balance of the money will be used to conduct a survey at the Money Gram stores. As a XXXX XXXX you should go there and study how to send money and memorize all you see at the outlet. Below is the name/info you will transfer the money/ You are to Wire {$1200.00} at each of the Money Gram money transfer outlet. 

INFORMATION FOR THE MONEY GRAM Name : XXXX XXXX City : XXXX State : MA Zip Code:XXXX Amount : {$1200.00} *You do n't need an address to send Money gram transfer, you have all that is required* * Please note, you are going to the store as a secret agent and no one must know you are working as an undercover agent or that you are evaluating them. If they ask if you are sending on behalf of another person or business, the answer is NO* BELOW IS THE EXPENDITURES BREAKDOWN : - Money Received {$2900.00} Salary {$250.00} Money gram Wire XXXX {$1200.00} Money gram XXXX transfer fees. $ XXXX Money gram XXXX transfer fees $ XXXX Money gram Wire XXXX. {$1200.00} PLEASE CHECK ATTACHMENT FOR ASSESSMENT FORM. 

Best Regards, XXXX XXXX XXXX XXXX XXXX 2016 XXXX, XXXX
I have been attempting to resolve issues regarding 2 items that are negatively being reported to my credit files ; which is hindering my ability to obtain new lines of credit and having a major negative impact on my credit score making it impossible to secure loan for the purpose to purchase property. I do not owe Il XXXX XXXX XXXX XXXX any monies ; prior to negative reporting to all 3 credit bureaus I was unaware of this account/ collection. XXXX XXXX or IL XXXX XXXX XXXX XXXX has not attempted to reach me by mail phone etc had they did would have given me an opportunity to request an internal investigation on this account. This account is reporting incorrectly is it not mine ; I do not have a contract/ agreement of repayment for these account. Lastly I would like to address the incorrect reporting of Chapter XXXX Bankruptcy this account is also reporting invalidly and I would like both negative entries removed immediately.
I been contacting XXXX for the last year about fraud inquiries, sending letters and a police report and the items are still there, I am effected by someone else fraudulent act and its not fair, I also ask for proof and I still have not received
My American Express card was charged {$240.00} by XXXX XXXX and {$61.00} by XXXX XXXX XXXX. I was not aware of the {$61.00} charged by XXXX XXXX as I had advised them that I had not given XXXX XXXX XXXX permission to use my card. Also, I had called XXXX XXXX  over 10 times to cancel this vacation package. 
American Express refused to initiate these two disputes. Each representative would state a different policy. Also, I was not allowed to speak with a supervisor as all were in a meeting on a Monday at XXXX XXXX EST.
While reviewing my credit files. I noticed a collection from Optimum Outcomes. I have never had any contract with this company. I have written to them several times to send me validation of said debt and have received nothing. Their negative information is affecting my credit.
I spoke with a supervisor/manager in charge by the name of XXXX at TD Bank today, XX/XX/XXXX, in regard to a debit card dispute previously filed in the amount of XXXX from XXXX of XXXX. I was told the dispute was closed out, TD Bank required additional information such as storage contract and receipt showing amount paid. This dispute is over fees charged for storage of my vehicle at dealership.. As I explained to XXXX, there is no storage contact as one was never signed or provided and I was not given a copy of receipt despite requests via email for one. I further explained that receipt, if one is provided, will show XXXX as paid and charged to my card. The reason for dispute is the fee ( s ) charged are questionable because they charged me XXXX per day for 45 days for storage of vehicle when I did not agree to the term or amount per day. Also, an item was also stolen out of my vehicle while in their storage, which I was not reimbursed for. I do not believe I should pay full amount, XXXX, when I did not sign any contract and had an item stolen from my car while it was in their possession. The item, a USB phone charger, was left in car until I could pick it up..It was not in car when I took delivery.. It has not been found, deemed stolen. I had to repurchase it, costing me XXXX I had to pay this amount,XXXX, in order to pick up vehicle from their lot, they were going to charge additional fees if not picked up. They were holding my vehicle pending registration, it could not be registered due to past due property taxes which had to be paid, this prevented registration. The Connecticut DMV, Attorney General 's Office, BBB ( Better Business Bureau ) are looking into this charge as complaints have been filed with them against merchant. I have not heard back from any of the agencies named as of yet. XXXX agreed to refile dispute with information provided, he was informed there is no storage contract and no receipt was provided. Please advise TD Bank this is all the information I have pertaining to this dispute, please try to recover funds from merchant.
Please reopen my complaint XXXX as the XXXX 's response to that complaint in unsatisfactory. It is impossible for my monthly payment amount to increase when the principle is declining, the interest rate is fixed and there were no missed payments. I am certain that XXXX lacks the controls to apply my payments incorrectly.
On XX/XX/2017 I consented to a hard inquiry at XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX, NY XXXX. I left as I was told I could not get an answer that day and to wait for a reply in 3-5 business days for a reply via e-mail or telephone. I never received an offer or answer but the Credco inquiry is showing on my report. I went to the shop and there was no one there to help me. Now I am under the impression that the shop is closed as there are 2 cars on the lot and never a sales person in sight. I want this inquiry OFF my credit report as I consented to the inquiry for the purpose of hearing a finance offer. I called credco and they were not interested in helping me besides telling me I consented to the inquiry and they can not help me so it is up to the company to contact me with an offer.
not to long ago before i moved back home to Florida i closed my account with bank of america. When i decided to reopen an account with another bank such as XXXX XXXX i was told that there was a problem with my account and the problem was that there was fraud on it. A while before that i had lost my wallet while i was still in California and i recently called my old bank ( today XXXX/XXXX/XXXX ) to make a claim about the situation, they told me that i should call the police department and make a report about losing my belongings XX/XX/XXXX. My everything was inside my wallet including my social security card, High school information, my address, and a few I.D pictures of myself and also my online banking information which included my log in info to my account.
I was logged into EQUIFAX , disputing my credit report with EQIFAX, and the credit agency " timed '' me out after completing my dispute. I loggedin again and gave all my personal information and coincidentally, I wasblock by EQUIFAX , and was refused login. Additional information wasrequired for me to log in ( mail in a copy of my drivers License ) and Icould then dispute the issue. I believe that EQUIFAX , intentionally blockme from their site because of the nature of the complaint and thecompany that I am complaining about. Furthermore, I can not talk tocustomer service without having account with EQUIFAX.
I was a victim of identity theft and noticed a collection from Receivable Management I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Receivable Management in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Greetings : Graduated for my XXXX XXXX in XXXX from XXXX XXXX XXXX University XXXX XXXX and XXXX. I requested private student loan from " National Education Servicing '' ( NES XXXX based in XXXX IL. for the amount of {$14000.00} Private, disbursement date XXXX/XXXX/XXXX. Monthly payment of {$140.00}. Federal student subsidize and subsidized XXXX {$4900.00} XXXX only used portion of it not all amount. 

In early XXXX XXXX, I received a call from XXXX customer service informing me they work with national education servicing and the federal potion of my loan is currently managing by them. I call my loan servicing company, National Education Servicing ( NES XXXX and they informed me yes ONLY federal student loans is managed by XXXX but the private loan will still service by my current compnat, National Education Servicing ( NES XXXX. 

In the month of XXXX XXXX, I received another call from XXXX customer service telling me that my private loan is managed by XXXX as well. I had a heated conversation with the an overseas employee and I was told that we have your personal and credit information and if you do n't pay {$50.00} forbearance ASAP, my personal credit will be ruin. 

I tried to reach out to National Education Servicing ( NES ) but realized they were out of business as of XXXX. Naivent customer service refused to provide me any documentation on how they got my loan portfolio/information. 

I was not even given any prior notice from National Education Serving, XXXX that my loan will be transferred to XXXX. Also, what i noticed is my principle for private loan with XXXX went up as well the total amount of my federal loan. I have been paying {$220.00} a month since XXXX/XXXX/XXXX and now It seems I just started borrowing the same loan. 

Here are the XXXX information : The toll free number is still working but when i tried to log into my account the site is not active. 

You can listen to the recording message. 

https : //nationaled.net/login/help XXXX https : XXXX I really appreciate any feedback and thank you all for being a consumer advocate.
I contacted this credit repository through a dispute letter dated XXXX XXXX, XXXX to dispute the INCORRECT and INACCURATE information being reported in my file. Attached to this complaint is a copy of my second letter I will be sending to this credit repository since Inaccurate and incorrect information are still reporting, from the status, payment history to the account opened and closed date and also the highest balance being reported. All these information are incorrect and inaccurate. This violates the FCRA.
I challenged the accuracy, compliance and reportability of two bankruptcies a Chapter XXXX and Chapter XXXX showing on my credit report on XX/XX/2018. I asked for XXXX, XXXX, and TransUnion to please validate this information with United States Bankruptcy Court XXXX XXXX of Alabama and provide me with copies if any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received information for all three bureaus stating it was verified and will remain. The bureaus never contacted the courts but instead they reached out to a third party XXXX XXXX to provide this information. I have opted out and placed a freeze on my credit and consumer file which is attached as well as a letter from the United States Bankruptcy Court XXXX XXXX of Alabama stating they do not report this information.
Wells Fargo has very unfair personal loan to pay credit card. Very Very bad customer service and makes fun of people. They have Bad currency and when I pointed this out they ignored it. They fail to understand that my funds are mine and they will not communicate in normal manner, but make fun of me. They treated me extremely badly today XXXX-2017 when I attempted to ask about credit card and loan and how to fix it. Last month I had to shut checking account down. XXXX WA state have branch
I consistently called these companies during the month of XX/XX/XXXX : XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX XXXX XXXX SOL Inquiry Date- XX/XX/XXXX And asked them to provide proof of these unknown inquiries, which they did not. 

Also this company XXXX XXXX XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX Ran my credit two times which left two hard credit inquiries on my credit. I only approved one. It is unethical for a company to be granted permission ONCE and continue inquire on a different day with out my permission. 

After being ignored by these companies I reached out to Equifax XX/XX/XXXX to have the incorrect information removed from my credit report. 
Equifax has failed to respond to my dispute letter sent on XX/XX/XXXX within 30 days. I have enclosed a copy of the return receipt which Equifax received on XX/XX/XXXX at XXXX. ( Tracking Number : XXXX ) It appears that my rights have been violated according to the FCRA.
I have been a credit card customer with Citibank with an ontime payment history for 35 years. I lost my card while traveling internationally on XX/XX/XXXX. I immediately reported the loss on XX/XX/XXXX and confirmed with a second phone call on XX/XX/XXXX. A payment on my account was due on XX/XX/XXXX, which I made by phone in the amount of {$450.00}, which was acknowledged by Citibank with a reference number of XXXX. On XX/XX/XXXX, I received an email from Citibank with the subject of " You Missed Your Payment Due Date ''. A late fee of {$25.00} was charged to my account, along with interest on the full balance of the account. Bank records showed my payment cleared my checking account on XX/XX/XXXX, and Citibank was in receipt of those funds. I spoke with Citibank immediately on XX/XX/XXXX regarding the missed payment notice, and again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. According to Citibank, since the lost card was closed and another one opened, they are having difficulty applying the payment to my account, even though they acknowledge that Citibank has received my ontime payment. Apparently, phone representatives can not see the payment, but supervisors can see it with some additional investigation. I have been told repeatedly that my account will be credited and will not be listed as past due, but the payment still has not been credited, and my account is now listed as 15 days past due.
I recently received a letter from a collection agency in regards to a debt I know nothing about from  Penn credit I  have no agreement or contract with this company
XXXX XXXX provides me with my Fico Score based on information that is provided by TransUnion, Under what is affecting my score it states the following : What's hurting Presence of derogatory public record or collection Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally riskier to lenders. Demonstrating a good payment history on existing accounts is a best practice. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years. 

I don't have any of the above so I contacted TransUnion and received a copy of my credit report, no derogatory public record or collection, i called TransUnion and they confirmed none of the above are on my report, I contacted XXXX and they state I need to call TransUnion, TransUnion says to call XXXX, I even called Fico and they told me that I need to call trans Union, I want to get to the bottom of what is being reported and hurting my credit score
I received a letter from " Mr. Cooper '', a Nationstar Mortgage company, on XX/XX/XXXX indicating my mortgage is being sold to a new servicer, XXXX XXXX. The letter is dated XX/XX/XXXX with a postmark on the envelope of XX/XX/XXXX. 

The letter states that the new servicer will become effective on XX/XX/XXXX, but also indicates that the law requires the existing servicer to send the notification at least 15 days in advance of the effective date. Based on the postmark, I do n't believe the letter was sent in accordance with the law. The letter was sent 13 days prior to the effective date of the new servicer rather than the 15 days required by law. 

The representative of Mr. Cooper stated there was nothing I could do and that the loan was sold. She expressed regret and tried to explain that the postmark did n't reflect the actual date of when the notice was mailed. However, unless there 's new rules for tracking mail, this explanation does n't make sense. 

I do n't want the loan to be sold to XXXX XXXX given their track record of data breaches and opening false accounts on behalf of their customers.
I have disputed inaccurate credit inquiries on my credit report with Equifax. Equifax states that they are a statement of fact and can not be deleted. This is a clear violation of the FCRA, as law states the burden of proof rests with the credit reporting agency, not the consumer. I demand the following items be reinvestigated and if no proof exists that they belong to me, i demand they be deleted immediately. 
Equifax Credit report # XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX,, XXXX, XXXX XXXXL XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Failure of the CRA to respond in a timely and lawful manner will result in immediate litigation.
Equifax dont want dispute UNAUTHORIZED inquiries on my credit report. keep telling me, I have to call banks and ask them to send Electronic notification to remove those inquiries ... its been a week now, I called banks but they unable to find anything in their system under my full name or ssn. So they cant send anything to equifax ... called back equifax again, explaining what banks told me, but they keep telling again same story ...
Portfolio Recovery keeps calling my house and asking for people that do not live here, even after I have told them there is no one here by that name.
My loan was transferred from United Shore Financial Services , LLC to XXXX XXXX XXXX XXXX. I recieved a Letter from United Shore Financial Services on XXXX/XXXX/2016 stating that my loan was transferred effective XXXX/XXXX/2016. The date on the letter XXXX/XXXX/2016 and they are located in New Jersey. There is no way it takes over 3 weeks for USPS to deliver a letter to anywhere is the USA, so for whatever UWM did not mail it out right away. The letter states that they will stop accepting my payment effect XXXX/XXXX/XXXX and I need to pay XXXX directly. I was enrolled in automated payments and they stopped drafting from my bank. I have recieved NOTHING from XXXX yet. I do n't even know my account number so I ca n't mail a check to them today. I read online that if my loan is transferred then I have to receive notice 15 days prior to the transfer. I never received that notice until 4 days after the transfer. Now my payment is going to be late to XXXX and I do n't think this is fair. United Shore Financial Services was required to give me notice that it was transferring my loan. If they did that I could have called XXXX before XXXX/XXXX/2016 and got my account number and sent a check out.
Citibank offered a promotion for opening a CitiGold checking account in the beginning of the year. If the customer make the requirements, we are suppose to receive XXXX in XXXX XXXX points. I made the requirements, I confirmed with Citibank, XXXX XXXX from Citibank confirmed that I am suppose to receive the points by XXXX 2016. I have not received the points yet. I made attempt to ask Citi to honor the agreement, but to no avail.
Hi guys, re : CoinBase.com Opened an account today ( X/XX/2018 ) and verified with my passport and linked my accounts. Made my first test purchase for {$100.00} and all was ok and had the purchased Bitcoin in the account with them.

Later on, I went to add my personal home address to the account section of their site and when I did this and pressed save, it redirected me straight away to an account closure page for simply no reason. The account is locked and I now have to extract the money somehow from them.

After trying to contact them with no luck and also reading through what seems like an endless number of cases of the same thing happening online I wanted to file a complaint.

I appreciate your help where possible.

Sincerely Their note as below : " Unfortunately we have had to close your Coinbase account. Before your account can be closed, you will need to withdraw your funds to an external wallet and any other funds to an attached bank account. Please be sure to delete any references to digital currency addresses generated by Coinbase, as funds sent to those addresses will not be retrievable once the account is closed. If you have any questions you may visit https : //support.coinbase.com. ''
I was charged a total of {$80.00} on my XXXX credit card for what they said are cash advances. I have never used my card to receive a cash advance. I paid for items through XXXX XXXX and they claim that I used my account to take a cash advance and was therefore subject to a cash advance fee. I have used other credit cards via XXXX XXXX   and have never been charged a cash advance fee.This is no different than paying for items through XXXX XXXX or XXXX, but they consider XXXX XXXX a cash transfer service and am subject to the fee. I can understand being charged a fee if I truly used my XXXX credit card to withdraw money from my credit card, but I did not. I have filed a dispute with them, but I received a letter back declining the dispute. I was charged on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX and the last one on XX/XX/XXXX. Each of these times, I was charged a {$10.00} cash advance fee. I was unaware of these charges, until I received my statement in the mail.