WillisBack/dataset-financial-user-claim huggingface dataset:
MoneyGram canceled and refund my transaction after more than 35 hours of having my money blocked - doing that by offering a - In minutes transfer money service. 
XXXX XXXX XXXX 2016 I went to a MoneyGram location in XXXX IL with the intend to send ~ {$1500.00} ( XXXX ) to a Friend of mine in XXXX . I talked on their red phone that they have at that location, that someone automatically answers to guide you with the transaction. 
After I confirmed my name, my friends name and location, the Transfer in Minutes fee for sending {$1500.00} was {$80.00}. So I agree to that and pay the money, I got a Reference # XXXX and they said the money should be available to pick up in XXXX in a mater of minutes. But that never happened because the second day XXXX XXXX I called moneyGram to check the status of the transaction and they said the transaction is under review and that they need to transfer me to a different department that has some question for me. So they transfer me and I waited 20 min and nobody answered.I called 2nd time after ~1h and same story I was transferred to this department that never answers ... and waited for ~32 min this time ... still no answer so I give up. XXXX XXXX in the evening I go to a money gram location next to my house to try to get some answers, I used their Red phone again and guess what, same story I had to wait to talk to this department and they said it may take more the 40 min or 1 hour. So I told them that in this case I just want to cancel the tansaction, because it is not money in minutes transaction anymore, almost a full day past by and I spent XXXX on the phone trying to understand what do they need to review. 
XXXX day the XXXX XXXX 2016 I called them again, same story this time they transfer me and this department finally picked up after just ~15 min waiting for them. And they asked me the same question that they had asked me when I first made the transaction on the phone, my name, my friends name ( the receiver ) and so on ... that finally they come up with this reason that the transaction has to much risk and that they will refund my the money. Now I got a new reference # that I hope I can use it to get my money back, I have not got to and MoneyGram office yet. So this was after min ~ 35 h from when I made the transaction and payed the money for it. So the SCAM that MoneyGram IS DOING is that they have use my money ~ $ XXXX {$80.00} fee ) for ~35 h and as they work almost all over the world they probably do this for XXXX of people like me and are able to block huge amount of money just for at least 24 h so they can collect interest on it or invest the money or whatever. For a service that is called money transfer in minutest that actually blocks your own money for more then 24 h that is outrageous and most probably illegal. I relay appreciate if you will take note of this fact and start investigating Money Gram. 

I WILL NEVER USE MONEYGRAM SERVICE AGAIN
A company named XXXX XXXX successfully submitted a fake check to my bank written on my checking account, which they cashed. The company is from XXXX XXXX FL. The check looked nothing like my other checks and was a completely different sequence number. My name was also spelled wrong on the check! The bank was Wells Fargo. I can not believe they cashed it.
Hello, Today I received an email from Barclaycard XXXX The message reads as follows ... .. 

Dear XXXX, We 're confirming your recent request to change the telephone number on your account ending in XXXX on XXXX/XXXX/2015. 

Next time you need to make updates to your account, visit us online at www.BarclaycardUS.com and click Your Profile. 

If you have n't registered your account with us, just follow the online registration process to start seeing your account information wherever and whenever you choose. 

If you do not recognize this request, please contact us immediately at XXXX XXXX XXXX XXXX. 

-end message. 

Realizing I never put in such a request, I did of course call the phone number listed. The automated system confirmed my identity and after doing so began to remind me that my payment was over-due ( I asked to have the card closed and sent to collections, barclay card is continuing to keep it open and charging me interest ). I dialed zero until a person came on the line. This employee looked at the record and saw no change and confirmed that my current phone number was still the phone number on file. He also asked me if I have ever had a different phone-number, irrelevant question, and my answer was no. I then asked to speak to a supervisor who had nothing constructive to add. I believe this email amounts to nothing more than self administered corporate phishing. It is a disgusting, outrageous practice which utilizes the fear of losing your personal information to compel the consumer to call in to the phone number provided only to be reminded of the debt that needs servicing.
XXXX XXXX Filed False Paperwork into the county Records a crime PC115 causing a cloud on my title, Exhibit A XXXX XXXX Misrepresented themselves by substituting XXXX XXXX Exhibit ( A ) as Trustee then using TRUSTEE CORPS as a Trustee on other paperwork. 
XXXX XXXX took an action it was not legally entitled to take violating 1692 ( e ) ( v ) XXXX XXXX Failed to Disclose who the Foreclosing Party they allegedly Represented was ( Unjust Enrichment ) EXHIBIT ( B ) ( C ) XXXX XXXX used the courts and police & Sheriff Department to Forcefully Remove my from my Home by Filing False Court documents.
I have a a unverified account from PORTFOLIO RECOVERY # XXXX # XXXX,. I had previously disputed this account. I have never done business with PORTFOLIO RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PORTFOLIO RECOVERY. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PORTFOLIO RECOVERY # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I have been requesting verification of the following account that Experian continues to report on my credit file : Bankruptcy # XXXX Experian listed XXXX, XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2017. 
On Friday, XX/XX/2017 I directly called the XXXX telephone number that is listed on my report at XXXX and spoke with agent and she informed me that a security freeze was placed on my account as of XX/XX/2017. I have attached a copy of my security freeze confirmation that I received directly from XXXX showing the date of confirmation. 
On Friday, XX/XX/2017, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX and spoke with agent and she also advised me that my security freeze was confirmed and set into place as of XX/XX/2017. She also told me that there is NO inquiry from Experian or mode of verification from XXXX to Experian showing on my XXXX credit file. And she also stated that XXXX DID NOT verify the verification that Experian shows as reported on XXXX. 
I demand that this public record Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Experian '' XXXX so-called " verification '' on XX/XX/2017 WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. All they send is a XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : public record Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I demand and request this public record : Bankruptcy XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. Two XXXX agents assured me that Experian 's XX/XX/2017
I called Chase bank to request a lower interest rate. I was told that no lower interest rates are available, yet the terms and conditions on their website states it does offer lower rates. When pressed further I was then told that lower rates do exist, but they would not extend those rates to me and keep transferring me around. I feel I am being discriminated against somehow, when I have perfect credit yet will not extend those same rates to me as others.
Upon reviewing my TransUnion credit reports I researched several incorrect *reported addresses and telephone numbers* listed as my personal contacts. One of the telephone numbers was the personal cell phone number of an employee seeking debt collections : XXXX ( Health Care Bill ) ... the employee 's name is XXXX, XXXX ( *reported number listed as mine ). Is this a legal procedure to provide my personal financial information to a medical collections/billing employee of a debtor? I truly feel violated in privacy and would like to know more about why XXXX personal cell number is listed on my personal credit report without my consent or permission.
My daughter forged my signature on mortgage loan documents and forged my name with a notary. Now my house is in foreclosure. XXXX XXXX Police Department, California Senator, XXXX XXXX, and California Assembly Woman, XXXX XXXX are all trying to help me. My home is in foreclosure and going to sale on XXXX XXXX, 2016 at XXXX XXXX. 

The XXXX will take another year before they start investigating. 

Please read the attached letter form more details Please stop this foreclosure until the investigation is over.
XX/XX/XXXX Consolidation of loan. XX/XX/XXXX Only XXXX principle paid since XXXX. Will retire before loan is paid off.
I applied to refinance my mortgage with " Loan Depot '' who told me they would match any interest rate being offered by anyone else. They did n't do it. I went to another lender. I already paid for an appraisal with Loan Depot, the new lender needed an appraisal done and I was told I would need a transfer letter from Loan Depot to use the appraisal that we had just done, I asked them for the transfer letter but they refused to submit it. I had to pay for another appraisal. I 'm told they are required by law to transfer the appraisal yet they flat out refused to do it and would never refund me the extra {$440.00} I was out for the extra appraisal.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CT XXXX ph : XXXX XXXX XXXX my loan no. XXXX loan was transfered to this co ON XX/XX/2018 and modified, i started making payments on time from XXXX onwards but this co has put late 180 days on my all 3 credit bureaus while i never paid them late since, now after multiple reminders and they did agree to their mistake and are still not willing to remove the late that was caused due to their incompetence. 
i want the negative late of XX/XX/2018 to be removed completely. 

XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX
A creditor left a voicemail for my co-worker telling her that I was being serviced with " legal '' papers and he basically threatened to get a hold of my HR department or someone else in my department. It was clear why he was calling, and now I am in trouble at work.
A credit card account for a business, not for my personal use, was opened the business ' federal tax ID number. I was not the head of the business and when the business had failed and did not pay its credit card balance, it was reported under my personal credit report. Ultimately, this credit card account was paid for in pull for less than the full balance and closed. However, this remains as a derogatory mark on my personal credit report even though I was not the head of the business and did not have any financial decision making power. All three credit reporting agencies refuse to remove this account from my credit report.
My name is XXXX XXXX XXXX. I opened a corporate business account with American Express in XXXX. At the same time I also opened a blue cash personal account with American Express. At the time that I opened the business account, Ii was asked for my tax id which was provided and also my personal information. I was told that the business credit card was going to be opened under my tax id and my company '' XXXX XXXX XXXX ''. I was approved for the business card and the personal. Everything was going great until unfortunately I got very ill and I had to close the business. I was having a hard time paying the business account on time but I was making on time payments on my personal account. I was never late on the personal account. Now every time I fall behind on the business account payments, they block both cards. I believe at this point I was misrepresented by American Express because they never told me that they would link my business and personal accounts together. I believe that the point of the tax id is to open business accounts and for my personal account to not deal with the consequences of what happens in the business account. If a consumer entered a contract or an agreement as a result of a fraudulent or negligent statement is to be considered misrepresentation. I believe I am protected under the misrepresentation act of XXXX.
Around XXXX 2005 My wife and I purchased a home in XXXX, az we put $ XXXX.down..The Mortgage Holder was XXXX shorty after that we received a letter from Chase that we qualify for an equity loan.. we wanted to remodel so we went in and talked a loan officer.. XXXX XXXX XXXX personal banker XXXX XXXX she told us that we qualify for {$17000.00} and it would be attached to our home with a interest only payment..we used the funds to remodel..we had the home for about 4 years.. then the economy went bad.. I had some medical problems could not work..the house went into foreclosure I was told by XXXX banks that the {$17000.00}. ( heloc ) would be included in the foreclosure..well it was not! I Went to chase to talk to them.. they told me that it was not legally collectable..however they have the right to refer it to the collection dept..and they have been harasing me for the last 5 years ... is this legal?
Elderly Father XXXX passes away XX/XX/2018, leaves behind XXXX year old widow in XXXX County Wisconsin. Leaves XXXX daughters and XXXX son, has a revocable will by attorney 's office. 
The will is general in that the widow should receive everything. The day father dies the son flies in from Arizona and goes to the safe deposit box and withdraws {$140000.00} .00 cash - wife of son works for BBVA Compass in XXXX, AZ helping to transfer funds into various accounts. Son then comes into town to force XXXX year old widow mother to sign truck title - he sells to attorney and never brings widow money from the sale. Son forces mother to sign over check of {$12000.00} to be deposited into a different bank for his personal use. Son loses his license in Wisconsin and in Arizona for financial advising and real estate. He also loses his job at XXXX XXXX XXXX XXXX XXXX in AZ. To our knowledge he is also pocketing fees for transactions regardless of having a license to do so. It is our belief that the son and his wife ( girlfriend ) are transferring moneys to many accounts as they have taken it from the mother and have access and knowledge of the banking and financial world. There is also a retirement account in excess of {$60000.00} dollars that we fear they will access without the widow 's knowledge and consent. We believe this violates this elderly widow 's rights and is elderly financial abuse. We also believe he will change locks on condo residence and he is bragging he is selling it. He has also tapped into the XXXX retirement account of the deceased father. This is all so overwhelming for this elderly XXXX year old widow/mother. XXXX XXXX ( Wisconsin ) credit  card owned by deceased father and live widow mother was used after death by the son from AZ for personal use and his family. He also changed address of credit card to his in AZ.
Regulation E Electronic Funds Transfer Violation. Did not opt in and financial institution is still debiting my account and charging fees. Financial institution has no record of opt in. In XXXX of XXXX, I had spoken to my bank, TD Bank in regards to Overdraft fees that had occurred on my account. At that time, in speaking with the representative on the phone that I opened a 2nd checking account to help in preventing this from happening. It was explained to me that the 2nd account would prevent transactions from processing through the account that would place my account into the negative or if there were insufficient funds available, that said attempts at a Point of Sales System where the card would be swiped are declined. I wanted both accounts to be setup in the same fashion both only the 2nd and new account was. I had not fallen into negative on my bank account in said form to my recollection for some time until 2 days ago. On Tuesday XX/XX/XXXX... my account fell into the negative due to an electronic charge for the amount of {$190.00}. When I saw this, I immediately transferred funds to my account to cover the cost of that electronic charge but 2 charges on that same day of the transfer had been processed when they should not have been as I had originally thought my account would decline those charges as I had explained in XXXX of XXXX. Those charges were for {$4.00} and the other for {$1.00} resulting in {$35.00} overdraft protection fees each. But having thought the issue was resolved and my account was back into the positive, the next day I had run 2 transactions, one for {$4.00} and another for {$1.00} along with an overdraft fee of {$70.00} throwing my account in the negative once again. There following day ( today XX/XX/XXXX ) an automatic recurring charge of {$4.00} was posted to my account resulting in another overdraft along with another {$70.00} overdraft fee. Altogether, it would appear my account was charged for {$170.00} in overdraft fees where only 2 of them I completely understand that were posted through. The first for the {$190.00}, and the last for the {$4.00} as those were electronic charges already in motion to be charged. What I dispute are the other 4 instances that resulted in {$140.00} ( or 4 charges of {$35.00} in overdraft protection fees ) that never should have been approved in the first place. The bank issued me a courtesy refund on 2 of the charges bring it down to only {$70.00} in overdraft fees, but again this should not have occurred in the first place.
I paid my credit card bill on time and it is showing that I am 60 days past due causing my score to plummet XXXX points on Equifax. Please update as this is negatively impacting my credit. I even have paid a premium using XXXX XXXX to pay or check by phone.
Opened account in early XXXX to buy a used car. Got medically cleared to join XXXX and left right away, reporting on XX/XX/XXXX. Never made a payment since leaving for the XXXX. End of XXXX and all of XXXX, company said I made payments of {$0.00}. I never made any payments. After 10 years, they finally claim to charge the account off. This account should have been charged off over back in XXXX. It is not past 10 years and they are still reporting it to my credit report. This is well beyond the seven year mark of reporting. Also they a past the statue of limitations in WI which is 10 years.
This is not my account, I 've never authorized for services through XXXX XXXX XXXX. If they can prove with a written signature that I authorized this services, please have them show that. I have never had XXXX XXXX XXXX services. I do n't rent a home why would I need this service. This is not my account.
I am currently the homeowner of XXXX XXXX XXXX in XXXX, Massachusetts XXXX. I have been seperated from my estranged husband since XX/XX/2015. We currently still own the home together. I have applied for a loan modification since I have fallen behind on my mortgage payments. In a conversation yesterday with a Customer Service member XXXX who claimed she did not have a last name or identification number, she told me I needed additional information to process my application. When I asked for the information in writing to forward to my estranged spouse, XXXX told me she was not sending me any further correspondence and claimed the information was on the previous correspondence which it was not. I asked to speak to a supervisor who did not return my calls. I submitted all of the information they asked. If they require additional information a detailed letter should be sent.
On XX/XX/2018, XXXX  XXXX made a hard inquiry on my Equifax credit report that I did not authorize. 

I made a dispute and on the XX/XX/XXXX they said it was legit but if I had a problem with it that I had to call XXXX XXXX. 

I called XXXX  XXXX and they said they couldn't help me because I did not have a XXXX Social Insurance number. They said I had to call XXXX XXXX. XXXX XXXX said they couldn't tell what the problem was and that I have to go through this portal.
all my credit card accounts have been paid with XXXX balance all 3 bureaus have not and will not up date the accounts to show XXXX balance
This company has accessed my credit file with XXXX on XX/XX/XXXX and XX/XX/XXXX. I have written to the company to request documentation supporting their permissible purpose for this access, and have not had a response from them. I have also tried to resolve this issue with XXXX, but they refuse to investigate disputes as required by the Fair Credit Reporting Act. If they did, they would note that I have never filled out a credit application with the automobile dealer who sent information to this company on XX/XX/XXXX. Accordingly, without documentation to support permissible purpose, these inquiries should be removed from my credit file immediately.