WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX I sent money, via MoneyGram, to my mother in XXXX. Unfortunately, my mother was not able to pick up the money because when she presented herself to the MoneyGram cashier, she was told that the money has already been picked up. My mother explained to the cashier that she has not picked up the money, and asked the cashier to tell her which agency disbursed the money but in vain. 
On XXXX XXXX, XXXX I then contacted MoneyGram here in the U.S to file a complaint and asked for a refund ; an investigation was opened with the following case number : XXXX XXXX. The MoneyGram agent I spoke with said the investigation would last up to 90 days, then I 'll be notified of the result. 
But I was never contacted by MoneyGram regarding this case ; I have been the one constantly calling to ask for an update. Everyone I have talked to at MoneyGram has been giving me the run-around. On XXXX XXXX, XXXX, I called again, and the MoneyGram agent I spoke to told me that my case was close, and that the investigative team concluded that the money was picked up by my mother. When I asked MoneyGram to show me a proof that the money was picked up by my mother, the agent said he could n't disclose that information to me. I also asked to speak with someone from the investigative team, but they refused. 
I 'm completely disappointed with MoneyGram ; this unfortunate experience tells me that money transfers are not safe and reliable. I need help getting a full refund from MoneyGram. 
Thank you, XXXX XXXX.
FDCPA 807 ( 8 ) This is a law the companies are required to contact the credit bureaus on my behalf, and to make sure they add a sentence to my credit report within 30 days that says I have disputed the negative item in question. By law, they must do it within 30 days and they will be liable to me for damages of up to {$1000.00} per occurrence. I have proof that XXXX XXXX did not get in touch with Credit Bureaus within 30 days that I had disputed a negative item that they provided on my credit file. Experian knows they should have deleted this entry after I had contacted them about this negative item on my report. They also had 30 days to provide the statement that I, the consumer had disputed this negative item to them as well. The problem is that Experian is still trying to re-investigate this situation when they know they should delete the item from my credit report because XXXX XXXX has broken the FDCPA law. This dispute was reported in the month of XXXX 2017 and now it is XX/XX/XXXX but in XX/XX/XXXX is when Experian wants to provide the statement that I disputed this negative item on my report. It 's too late to provide this statement because it 's been after the 30 days time frame. They do n't need to re-investigate anything, just remove the negative from my credit report file. The XXXX XXXX and XXXX have removed this negative it from my credit report because of the 30 days time frame. I have proof that both Experian and XXXX XXXX XXXX have broken the FDCPA law.
Have been trying to get numerous errors of my consumer credit reporting file without success ; have written letters, phone calls etc issues still have n't been remain the account I have an issue with that are reporting on all 3 of my consumer files are Chapter XXXX Bankruptcy per new law that is reporting inaccurately and needs to be removed : XXXX XXXX XXXX Accounts that are reported included in a bankruptcy I did not file and does not belong to me are XXXX, XXXX, XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX these account are not mine, are reporting invalid I have not signed a contract with these companies no monies are owed and I would like these accounts, all inquires not attached to an account, and bankruptcy removed from all three of my credit reporting files immediately.
There is a collection account on my Experian and XXXX credit file from XXXX XXXX in which I 've never had any account with. I 've disputed this account for a very long time with attached police identity theft report and have even contacted XXXX regarding the account. They recently told me on XX/XX/2017 that they did n't know why it was on my credit file because they were no longer reporting or updating the account with any of the bureaus. Also, it was a fraudulent application in which the card was issued to some address that isnt mine and XXXX acknowledged that. A proper investigation would clearly demonstrate that it was never my account. I requested that Experian and XXXX remove it at once and I 'm still demanding so. Experian I 've contacted by certified mail dated XX/XX/2017 and sent at XXXX XXXX that day. They claim they verified with a letter sent to me dated XX/XX/2017. XXXX says they have not validated, reported, or updated. How is it that these agencies ( Experian & XXXX ) continue to report this account?
XXXX XXXX {$1600.00}. XXXX off and on for years Wrong addresses Hard inquiries
For the past eight months I applied for a loan modification and have been rejected three times due to the Bank of America not allowing my full income as documented. Therefore disqualify me from any loan and trying to force me out of my home in the way of foreclosure or short sale even though I am making my loan payments. 
In addition they have added unsubstantiated amounts to the loan which when asking them to document falls on def ears. They have yet to provide what these extra amounts are for. I need your help this is unfair lending practices.
Perhaps this is a common problem. I have had private law school loans since 1998. These loans are currently split between XXXX service providers - XXXX ( formerly XXXX XXXX ) and Access Group ( ACS ). Since my loans went into repayment, I never missed a payment, and paid my full amount owed every month. However, in the last couple of years, I 've had some challenges. I had to take time off from full-time employment due to some health issues, and we needed to relocate for my husband 's job across the country. I had a baby. I needed to stay home for a while. With both loan providers, I was able to suspend the federal loans, but the private ones have been more problematic. I am told I have no other options with those at this point. The monthly for ACS is {$270.00} and the monthly for XXXX is {$230.00}. The financial stress on our family is significant because of this, as I am not bringing in an income and not receiving any type of unemployment assistance. The lenders claim I have no options. I asked if it might be possible for me to pay a lower amount each month until I obtain employment. The answer was no, that this would still be considered default, even if I paid XXXX-XXXX percent of the amount owed each month. Essentially paying a substantial portion counts for nothing. I feel that this makes no sense and is borderline predatory. It seems as if trying to work out an arrangement with them is impossible. I understand why people give up and do n't pay at all. However, I have excellent credit and it 's important to me to retain this. It 's going to wipe out our savings over the next few months. I think the unwillingness to work with clients during financial difficulties is a real problem. This is not credit card debt. Most of us with these loans are responsible consumers. The failure to work with an individual who is willing to pay the maximum possible in his/her current financial situation, is something that I felt was worth documenting. Thank you for your efforts to monitor business practices by the student loan industry.
XXXX 2016, terminated service with XXXX XXXX. A couple months later, received collections letter from Credit Collection Services about a debt. Called them to ask more information and for them to provide proof that I owed debt. They could not provide that information. They instead told me that I needed to prove that I didnt owe the debt. Contacted XXXX to get clarification. Was transferred numerous times and eventually disconnected. Called back to see if deposit money was every applied to account and if not, when will I receive it. Represenatives stated that they could not see back more than a year to see that information. 

Stopped my efforts to gain information. XXXX XXXX, collections account showed up on my XXXX credit report. I called XXXX directly and paid the past due amount while speaking to representative on phone while he ordered archived bills to check where the deposit money is. He stated to call back to have the account pulled from collections expedited. I also called and spoke to Collection Agency. They stated that they were not authorized to remove collection from my credit report. Only XXXX can do that. I found that questionable because XXXX did not report it, Credit Collection Services did. I also entered a dispute with XXXX. Called the collection agency and they verified that the account had a XXXX balance. XXXX is reporting paid in full. Spoke with the collection department at XXXX and she stated that she submitted the ticket to remove the account from collections and that my debt was paid. 

Collection accounts that are closed and returned to the original creditors are to be deleted from the XXXX reporting agencies, as these accounts are no longer in collection. 

This account has been paid to XXXX and I have receipts from XXXX proving that the accounts have been paid in full. 

Credit Collection Service verification of the accounts as a " Paid Collection '' is a violation of the FDCPA and FCRA, Specifically ; FDCPA violations ; 15 USC 1692e ( 8 ) providing false information to credit reporting agencies. 

FCRA violations ; 15 U.S.C. 1681i duties of furnishers to provide accurate information. 

15 U.S.C. 1681s-2 - failure to provide accurate information, failure to correct reporting.
My account with XXXX was settled eight years ago, but it is still showing up as a negative on my credit reporting with TransUnion.
The consumer Portfolio Recovery on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX in the amount of {$420.00} stated that the company received an electronic file of its business records concerning an allege account owed to them. I formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. I also informed the company that per FTC opinion letter from Attorney XXXX XXXX XXXX, that they should be aware that a printout of a bill or itemized document does not constitute verification. 
To this date the company has refused to provide the requested information. They stated that their office considers this matter closed per dispute pursuant to 15 U.S.C. Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( ll ) of the Fair Credit Reporting Act.
Two weeks ago Citibank stole over 1 million of my and my wifes XXXX XXXX, which were earned over a 40 year relationship with the bank, by closing our credit cards without notice. Citi asserts that once a card is closed the points are forfeited. But we did not close the cards! We were completely blindsided and were not offered an opportunity to access our points prior to their shocking action in terminating our cards without notice. Despite having absolutely clean credit records compiled over 40 years of banking with Citi, we were neither given a reason nor the ability to challenge whatever faulty logic they used to cancel our cards and usurp all the points we had earned over a lifetime of business with Citibank. It is appalling, and wrong, for Citibank to confiscate assets without a ) providing a specific reason, b ) allowing for a prior discussion to prevent wrongful closures, whose impact negatively affects consumers and c ) most importantly, does not allow consumers to access and dispose of their hard-earned points prior to a secretive analysis by a bank to close accounts. We can demonstrate that the value of the over 1 million points Citibank stole easily exceeds {$50000.00}. The combined annual fees on the cards Citibank closed approaches {$2000.00} ; Citibank has not offered to refund those either. Further, Citibanks precipitous action has harmed our near perfect 45 year credit history, which will cause irreparable harm to our finances. Without appropriate and immediate relief, we will pursue every avenue to recover substantial damages from this wanton act by Citibank in closing our credit cards and seizing our valuable Thank You point assets.
Hello, I cosigned a student loan back in college for a roommate of mine. Though now I know this is a risky situation, I did not know at the time. Recently, I applied for a job in which I was offered a position but once a credit report was obtained, I can not be hired until the student loan is not late. I am just the co-signer and can not make payments on it. I am trying to start my life anew, as I have a baby on the way ( due in XXXX XXXX I NEED the income. I know for a fact that the borrower has a job and is able to make the payments. What should I do?
XXXX : Fraud Case XXXX ; XXXX Case # XXXX ; XXXX Case : XXXX ; XXXX XXXX # XXXX This is an open Fraud Case against XXXX, a bank that knowingly cleared a fraudulent check into my checking account. 

I have submit a complaint before regarding this issue and XXXX is well aware of their representatives admitting to clearing the fraudulent check on recorded calls. I started off by speaking with XXXX XXXX, their so-called Fraud XXXX, that did not even care to see the documents nor the case number filed with the XXXX XXXX 's Department. 

XXXX were several " XXXX Agents '' that finally submit my complaints to XXXX of XXXX, XXXX XXXX ( XXXX ). XXXX XXXX stated she would review all calls and pretended to understand my disgust with a bank that knowingly cleared a fraudulent check and then took a child support payment and refused to return it despite the legal investigations underway. 

The investigations are still underway since it the fraudulent funds were cleared over state lines and I have received a notice from an ill-advised XXXX XXXX XXXX XXXX # XXXX regarding the debt that XXXX is responsible for clearing. 

I will also submit a separate complaint against XXXX since they apparently feel it is acceptable to harass consumers that have been cheated.
On XX/XX/2018 there were two fraudulent charges. One from XXXX and one from XXXX. XXXX reversed the one from XXXX. But refuses to reverse the XXXX payment. They claim it takes time to investigate.
I tried to get my free annual credit report from Equifax and they asked me questions which do not apply to me and apply to another person that Equifax keep associating with my credit file. Every year I have to complain and fight and file a law suit to get my credit report from Equifax and then the information is incorrect and I have to spend most of the year fighting to get it corrected. Then a few weeks go by and Equifax again add wrong information to my credit file about another person. This is affecting my credit and my employment. The questions they asked me are Do I have a mortgage taken out in 2009? which I do NOT, How much are the payments? since I do not have XXXX there are no payments, I have a credit card taken out at the same time? which I do not. and because I answer these questions correctly EQUIFA REFUSE to give me access to my credit report, but I suspect allow the other fraud person access to my credit report. 
Every hyear I have to fight this and every year these Equifax people destroy my credit again. Please make them stop doing this to me. I have to spend many many hours on this every year, year after year after year due to their Negligence and incompetence
I have a court document that I'm not responsible for and the company refuses to remove the collection from my credit report. I've uploaded the certified court document, and they still refuse. XXXX simply refuses to remove the collection despite the certified court document.
There are two hard inquiries on my credit report that I did not authorize. On XX/XX/ 2018, I attended XXXX XXXX in XXXX IL to purchase a car. I signed the disclaimer stating that they will run my credit. In which it is posted on my credit as an automotive inquiry. However, I did not authorize them to run my credit with third parties such as XXXX XXXX as an National Credit Card inquiry or XXXX XXXX as a Finance inquiry. I am writing to have these two inquiries removed from my Transunion Report.
I had a line of Business Credit with Wells Fargo for over 8 years. Shut the account down due excessive fees and sold my XXXX. I have been paying account faithfully over the years. Called Wells Fargo Customer service to get a payoff figure to pay off account. On XX/XX/XXXX went into the local branch here in XXXX, NC with a certified check to pay off line of credit. Two weeks later went on line to check my account and there was a credit of {$100.00}. A week later ( XX/XX/XXXX ) went back into the branch and spoke to Manager and he said we have to have 14 days - 21 days before a refund check can be issued. As of the date I have not received a refund check from Wells Fargo Bank. I feel as a consumer I am getting the run around. The is the worst bank I have ever dealt with. I would like to received a refund since I have follow through with this transaction.
A wire transfer of XXXX from a XXXX Bank to 5/3rd bank in XXXX Kentucky was initiated on on XXXX. A typographical error caused the transfer to be rejected. The teller at 5/3rd bank, XXXX XXXX XXXX, was placed in direct contact with the XXXX Bank. XXXX XXXX instructed the XXXX institution on the exact name of the bank and routing numbers to use in the second attempt at the XXXX wire transfer which was placed on XXXX. The information provided by XXXX XXXX resulted in the monies being routed over an intermediary bank, XXXX XXXX. The wire transfer failed and a subsequent Federal Reserve investigation ( attached ) revealed 5/3rd rejected the transfer due to 5/3rd as " XXXX - No Account / Unable to locate Account ''. On XXXX XXXX was returned to the XXXX account after the failed transfer. A third attempt at the transfer with the exact same information resulted in a successful transfer. 

5/3rd was contacted via telephone to understand why a difference of XXXX was returned. The customer service agents hung-up on three consecutive phone calls. On the fourth phone call, a customer service representative named XXXX XXXX asked if I was familiar with wire transfer fees. When I responded affirmatively she tried to explain that the difference was a fee. When I pointed out that a {$750.00} fee for an unsuccessful transfer was a bit outrageous, she terminated the phone call. 

Multiple contacts with XXXX and her manager XXXX XXXX, XXXX at 5/3rd in XXXX, Kentucky resulted in not further information or resolution. An inquiry was started with XXXX XXXX with XXXX XXXX XXXX. After 1 month of seeking resolution, 5/3rd and XXXX XXXX became unresponsive and did not return phone calls or seek further resolution. The XXXX institution also attempted to contact XXXX XXXX XXXX, but he was unresponsive to their attempts at contact, as well.
I have been trying for over a year to get my credit report from all  XXXX  credit bureaus. I keep sending them the information to obtain  XXXX , my current address, my driver 's license, my social, and other information and I keep getting letters stating they are unable to process because they want the same information all over. I have even sent them mail from the united states postal and the courts and they still keep sending me the same rejection letter. I have also sent information to you and others regarding disputes on my credit that needs to be removed and they keep sending me the same rejection letter.     And when they have sent me information it is in someone 's elses last name
XXXX XXXX called me at XXXX on XXXX/XXXX/2015. I did n't recognize the number, ( XXXX ), so usually let calls like it go to voice mail. This time I made the mistake of answering. XXXX XXXX threatened to have me arrested for non payment of an overdue bill from some Bank. He would not give me the name of the Bank, but said I owed over {$30000.00}. I told him I owed no one money or anything else. XXXX XXXX XXXX said he would have me arrested, take me to court, and send collectors out to my residence to take anything of value. He insinuated I had no parents, and I was a low life. I have seen the phone number about XXXX to XXXX times before, but just let it go to my answering machine, but no message has ever been left. These calls start before XXXX, and go past XXXX.
I originally had a auto loan with Global lending services and the car was repossessed. I was not given a demand letter showing that the car was up for repossession. After the car was sold at auction I was still not given a chance to take car back if I made payment to get it back. I was supposed to be given 10 days. I do not feel Global Lending gave me fair warning or notice of default and the repo should not be placed on my credit for those reasons. Global lending account opened around X/2013 Account Closed and updated to show balance XXXX XX/X/2013. orginal car was around 15k
I have sent several request to have fraudulent accounts removed from my personal credit file. Each time they return as being " verified ''. As a result I have requested the method of validation and also how are the accounts are being verified, which in return I have not received anything but a copy of another credit report with the same exact information included. This is considered insufficient validation of debt. Per FCRA 609 I need the signed original contract.
I was checking my credit score on Equifax last week and come to know that i have one collection which is un-paid since XXXX 2017 of XXXX XXXX XXXX. I am still in shocked to see this because i really do n't know who they are even i never visit them. I do n't have any type of medical issues. I am trying hard to maintain my credit since last 3 years that is the reason that i always getting good offers from different financial institutions but now i am loosing my credit points because of this un justify or fraudilant transaction of {$790.00}. Please look into this matter as your earliest. Your prompt attention in this respect will be highly appreciated .. Thanks.
Attached you will find a copy of the check written on XXXX/XXXX/15 to XXXX XXXX XXXX which also shows clearing my bank account on XXXX/XXXX/15 for {$250.00}. Why am I still receiving harassing letters ( see attached dated XXXX/XXXX/15 ) along with a statement ( see attached ) showing a past due of {$250.00}? 

Universal Credit Services continues to say my complaint is without merit. They are attempting to collect on a debt that was paid several months ago which I provided documentation for. This is harassment and my next contact will be through my attorney. Why are collection agencies such as Universal Credit Services allowed to continued this type of activity?