WillisBack/dataset-financial-user-claim huggingface dataset:
I received the following email from Experian on XX/XX/XXXX ( full text of email is shown ). Then when I looked at my account yesterday, it said I was being charged {$19.00} per month. When I called the membership department, I was told that the {$4.00} was a one-month trial and that the website explained the higher monthly charge. 
However, I believe this is quite deceptive advertising, because the email does not ever mention a one-month trial or the higher fee. The website was difficult to navigate but I thought I could trust the email from a company like Experian. 
I am on a limited income so I had no choice but to cancel the account. 

XXXX Experian Membership ID # XXXX  Member Sign In New level of protection As identity theft increases, it's time for you to increase your control and level of protection in XX/XX/XXXX. For just $ XXXX/month, you'll get ability to lock your Experian credit file and block identity thieves from accessing it. 

Up your protection More benefits that monitor your identity and credit Experian CreditLock Lock your Experian Credit File instantly to prevent new credit accounts from being opened in your name. 
Dark Web Surveillance Alerts you if we find your personal information on the dark web. 
Experian Credit Report & FICO Score Keep track of both, refreshed every 30 days upon sign-in Hard Inquiry Alerts Be alerted if someone conducts a hard inquiry into your credit, as these can lower your score. 
Protect yourself XXXX
My FHA original mortgage balance ( and based on my amortization schedule ) reached below the 78 % LTV over 5 months ago ( XX/XX/2017 ). Although I have met all requirements under HPA and FHA guidelines, my mortgage service company ( HomeBridge Financial Services ) has continued to collect PMI. In XX/XX/2017 I also received a letter stating the PMI would be cancelled due to the requirements being met. Having attempted to contact them on several coactions, beginning the end of XXXX, I was informed that it was my responsibility to inform them of this fact along with a requirement for me to email their PMI department at XXXX. I informed them of their lender responsibilities to automatically remove the PMI payment once the principle balance had reached 78 % of the original loan amount and demanded they cease billing of the PMI on future bills/payments along with a refund of the PMI payments paid plus interest on those funds. Since the initial telephone call and conversation, I have attempted to resolve this issue four more times without success. At this point I am having extreme difficulty gaining assistance and am continuing to be billed for the PMI payments. Any assistance would be greatly appreciated.
I called Bank of America to make my monthly mortgage payment, and when they processed the request they submitted a double payment to my bank account, overdrawing my account. The payment they were supposed to pull was {$750.00} and they pulled {$1500.00}. When I contacted them, I was told that I had to submit a bank statement showing the incorrect payment amount and then it could take up to XXXX hours to receive credit back. When asked why the wrong amount was taken they told me they only show the amount of {$750.00}. when asked what happens to the remaining {$750.00} they could not answer me. Their system would not let them see their error.
Transunion has reinstereted a prior blocked FACTA ACT fraud account on my credit report causing massive irreprerebalw harm. They sent no notification of resinserion as required by law what 's more the account was blocked nearly a year ago after supplying them With inordinate amounts of proof the account was fraudulent! They miss remove the rand brooks account
Wells Fargo Home Mortgage , Inc. was negligent with regard to the processing of my loan papers for a re-fi of the mortgage on my condominium. They dragged their feet for approximately 2 months with regard to processing the required paperwork and requesting the information needed to underwrite the loan. My loan officer never advised me there was a limitation on the days the agreed upon loan rate was locked in while Wells Fargo processed the loan. Late in the day on XXXX/XXXX/24, the day before the beginning of the long XXXX holiday weekend, for the XXXX time, my loan officer, called and advised that if I did not immediately agree pay approximately {$250.00}, I would have to start the agonizing paperwork submissions from the beginning and loose my locked loan rate. I had no choice but to pay the money. I am seeking recovery of the {$240.00} that I incurred as a result of Wells Fargo 's failure to process my loan papers in a reasonable manner as well as Wells Fargo 's failure to give me adequate notice that I was going to loose my loan lock rate as a result of that failure.
I am a victim of identity theft. My personal information was compromised and inquiries were incurred in my name without my knowledge and/or approval. I have phoned my dispute to this company on 2 instances in XX/XX/XXXXwithout resolution with all the relevant information they needed to verify my claims but these unverified inquiries are still showing on my credit report. Please delete these erroneous inquiries from my report ASAP : XXXX XXXX pulled on XX/XX/18.
I received a call this evening from XXXX & XXXX XXXX. The woman on the other and proceeded to tell me that she 's been trying to contact me and that she had exhausted all means they were at the point were I was going to be served and sued. I proceeded to ask why and she told me I had a {$6000.00} debt in XX/XX/2003 but I had not paid. I asked why I had not received any communication and she said it had been sent and they would not send anything else because they have done their part. I went on to explain that I need the debt validated however the lady became very upset and told me that they had no reason to validated as if I did not agree to pay they were going to go ahead and pursue charges to me. I explained I do not have XXXX knowledge as my son has an incurable XXXX but I 'm paying for. I 've sold everything to help pay for my son 's medical needs at this time. she proceeded to laugh at my situation which was heartbreaking. She told me that today she would agree to take {$3000.00} as a settlement and at that point they would no longer pursue charges or sue me. I told her I do not have that kind of money and she requested that I give her pre-paid checks. I do not think it 's fair I have to pay a debt I do not know what it is nor fair that I 'm threatening to be sued
I received communication from Bay Area Credit Services/XXXX that I owe XXXX for a debt that has been reported previously by 3 different agencies on XX/XX/2017, I requested verification of debt that I did not receive to verify they are the actual owners of the debt. I received another letter on XX/XX/2017 stating they would report this debt to the Credit Bureau I called again and spoke with a foreign man never gave me his name that said the bill is my verification I said no I want verification such as what service date is this bill for, what doctor 3 different agencies have reported this and did not give me proof. He stated they would send information but would still report the documentation on my credit report. I stated that this was threatening and a bullying tactic to get me to pay and if they did not give me the information in order to pay I would report this immediately he hung up on me.
Company # 1 : Diversified Consultants , Inc . 

Derogatory Mark- Opened XX/XX/XXXX. Original creditor : XXXX. Creditor/collection agency : Diversified Consultants , Inc . Amount {$340.00}. This account should have a balance of {$0.00}. An account was opened with XXXX in XX/XX/XXXX for an international phone plan from XXXX XXXX. Company continuously charged me for services/features that were not mentioned/ in written form when I went to the service provider store in XXXX to purchase XXXX chip for my phone. In addition, I was lead to believe I would be paying the two months in which I needed the international phone plan ( XX/XX/XXXX.-XX/XX/XXXX. ), however, they were continuing to charge me. The balance reported of {$340.00} is inaccurate and I'm asking for this to be heavily investigated as it is having a major negative impact on my credit score. 

Company # 2 : XXXX XXXX Hard Inquiry- XX/XX/XXXX. XXXX XXXX. Address : XXXX XXXX XXXX. XXXX, RI XXXX. This inquiry is listed on my report as a hard inquiry, however, this account is inaccurate. This inquiry must be a mistake on the credit bureau 's end because I am fully unaware of this. I am asking for this hard inquiry to please be reviewed and removed from my credit report. 

Company # XXXX : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Original creditor : XXXX XXXX XXXX. Creditor/collection agency : XXXX XXXX XXXX. Amount {$250.00}. I am unsure as to why this charge is showing up on my credit report as my health insurance was paying for this to my knowledge. I have not received any paperwork/ mail from the company, therefore, this account should not be listed as a derogatory mark on my credit report as it is harming my credit score. 

Company # 4 : XXXX XXXX Hard Inquiry- XX/XX/XXXX. XXXX XXXX. This is an error.
All three of the major credit reporting agencies ( XXXX XXXX, Equifax and XXXX   ) are not up to date all the time on or reporting bogus information on me of which creditors look at this information and take it as being totally correct.

It also doesn't make sense that when one credit reporting agency fico score on me increases the others go down and vice versa.

When I apply for credit such as a car loan the creditor looks at several lending institutions with the best interest rates for my loan which gives me a " ding '' each time an inquiry is made and adds to my Hard Inquiries which in turn lowers my score ( I'm just trying to get the best interest rate ).

This also doesn't make any sense, for example, my fico score reads XXXX when my Positive Negative Credit Card Use is : 5 % Credit Age : 3 Years ( although I have 20+ years ) Payment History is : 100 % Hard Inquiries : 10 ( lowers score just for checking ) Derogatory Remarks are : 0 Total Accounts are : 21 WHAT IS UP WITH ALL OF THIS BAD REPORTING?
My bank pulled my credit report from Factual Data XXXX, CO., found that XXXX accounts that had been undated by XXXX on the XXXX credit report, had not been updated by Factual Data therefore causing a lower credit than what XXXX or XXXX has.
I closed on my home XXXX/XXXX/XXXX. After sending in my XXXX Mortgage payment my Mortgage sold twice in same month. I never received any notification/Welcome Kit from new outfit. CMC serviced by SLS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I 've called them each week on Friday only to be told my Welcome Kit is being mailed. Still Nothing. I Finally found their Website on my own. The Website would not allow me to make a payment or sign-up for Auto pay. Against my better judgement I made a payment over the phone. The Rep proceeded to only post the Principal and not the Escrow. So I had to call back and pay the Escrow. That was on XXXX, as of today that is still not appearing on statement, where is my money? Today I received not XXXX, but XXXX Dilinquent Notices telling me I 'm in Default of my Loan! Are they for Real, are they Legit? They informed me a few weeks ago that they only got my info on XXXX and I had until XXXX to get all caught-up once they get me set-up, but Still no Welcome Kit. Please help get resolved. Are they trying to Scam me? I XXXX and read about a Scam regarding SLS that sounds just like this. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX PA. XXXX. XXXX # XXXX
My mortgage was sold to XXXX on XXXX/XXXX/2015. It started out they did not pay my town taxes and insurance. The escrow balance grew to XXXX. I was getting delinquent notices from the town hall. I would try and contact the company via customer service and they were rude and would not call me back. They stated that it was paid and nothing was wrong. I contacted the CFPB and the OCC opened a case. I received letters from XXXX stating it would be corrected and that my request to waive the escrow account would be granted. I also received a letter from OCC stating the issue should be fixed and if any problems to write again. 
There was an issue when I paid my mortgage on time and received a letter stating I was past due. XXXX had put my entire mortgage payment into the escrow account and said I was delinquent. This was finally fixed after my second letter to OCC. I have at least XXXX pages of documentation regarding this entire ordeal. 
I applied for a credit card two weeks ago and disputed the rate they gave me due to the fact that my XXXX credit scores were in the XXXX 's when I closed on my mortgage. I looked at my credit scores and they all have fallen significantly. All due to a late payment that was incurred due to XXXX error by putting my payment into escrow and not paying the mortgage with it. This company has been absolutely negligent when it comes to customer service and now my credit report has been damaged. 
I am unable to upload all the correspondence, I can copy and mail any paper work needed.
Released my personal information, which Equifax had no personal permission to collect, released to " hackers '' along with 143 million other people. Then Equifax refuses to give me XXXX because they ca n't verify my info. Called a representative on X/XX/17.was told to callXXXX, but after several attempts throughout the all I got was a busy signal.
I paid the settlement debt amount of {$110.00} on XX/XX/2018 to XXXX XXXX XXXX XXXX XXXX and they did not remove this debt nor report it the credit bureaus.
On XX/XX/XXXX, I contacted my bank, USAA, to set up an auto loan to purchase a new vehicle. The rep was helpful and set everything up while we were on the phone. As part of the process, the rep offered " Total Loss Protection '' on the loan for {$290.00}. I stated I wasn't sure if my auto insurance ( also through USAA ) already had Total Loss Protection coverage on it, but the rep assured me I could " call in and cancel '' the Total Loss Protection at any time within 60 days and it would be refunded immediately if I had coverage / did not want it. I was told the {$290.00} for the Total Loss Protection could not be put on the loan, but would need to be payed upfront, on a credit card. After being reassured, again, that the {$290.00} could be easily refunded with a " quick phone call '', I went ahead and authorized the payment. 
I picked up the vehicle on XX/XX/XXXX, checked my insurance coverage shortly thereafter, and found my auto insurance plan did indeed offer Total Loss coverage. I called USAA to cancel the Total Loss Protection on the loan and request a refund. After 58 minutes and multiple transfers, I was told canceling the Total Loss would not result in a refund to the credit card I paid with. I was told once I provided a written request, {$290.00} would be applied to the back-end of my auto loan. I let USAA know this was not what I had agreed to, and was not pleased. They reviewed the initial call with their rep, acknowledged that she did " perhaps '' misrepresent the method of refund, but would do nothing to rectify the situation. 
Thus began an epic battle to even obtain the {$290.00} principal payment ( which, as of this writing, I still have not seen ). Multiple phone calls ( many of them an hour or longer ), online " chats '' with reps, broken email links, faxes sent, and hours wasted. I have never seen such obstacles placed to obtaining a refund for an unwanted and misrepresented product. In the 13 years I have been a member at USAA, I have never experienced such rudeness ( and at times, such thinly veiled hostility ) as I have over these last few weeks in dealing with this. 
All I asked was for USAA to do as they said : initially, the expectation was for a " quick and easy refund '' if I cancelled the Total Loss Protection ; now I am just hoping for the " principal payment '' on the loan in the amount they owe me.
I am writing to file a complaint against Bank of America Credit card for refusing to reverse the charges I incurred for purchase of a defective item I made on XXXX for the amount of {$320.00} from an E-bay seller " penandbeyound '' ( see attachment page XXXX ). The purchase was made towards XXXX XXXX XXXX XXXX fountain pens. I had originally complained to BofA after sending back XXXX item ( {$210.00} ) as it was DEFECTIVE ( the inner mechanism does not work ) not " broken '' as the seller claims, and wanted the seller to refund me the {$210.00} only. This XXXX item was sent back by - USPS certified mail XXXX XXXX XXXX XXXX XXXX dt XXXX - ( see attachment pages XXXX ). While BofA was investigating, XXXX decided the case in my favor and sent me an e-mail requesting me to send back both the items I purchased from " penandbeyond '' ( see attachment page XXXX ). I returned the remaining XXXX item as I had already returned the first item and I send this second item back by - USPS certified mail XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX ( see attachment page XXXX ). BofA originally sent me a form letter to fill out and send it back with the information ( see attachment pages XXXX ) which I did on XXXX. Unfortunately, BofA has not yet contacted me nor has it reversed the charge of {$320.00}. I have attached copies of all the documents that I sent BofA for your perusal. Please help me get back my money for the XXXX fountain pens I bought and subsequently returned. Thank you.
As a preface to my complaint, I must clarify that I had entered into a 12-month mortgage payment deferment program with my mortgage holder, Wells Fargo Bank. My mortgage payment deferment plan was in effect from XX/XX/XXXX until XX/XX/XXXX. As of this month in XX/XX/XXXX, I am no longer in a deferment plan and I made my regular mortgage payment to Wells Fargo. 

This past XX/XX/XXXX, I received an email from XXXX XXXX in relation to a new credit notification. The notification was associated with a " Delinquent Account '' and the details from the notification state that it was from " Wells Fargo Home Mortgage ''. The status of the notification sates that the account is " 180 days past due '' and the amount of the delinquency is {$7400.00}. The credit bureau associated with this first notification was XXXX. I received a similar notification the next day, XX/XX/XXXX but the status of this notification was " 120 days past due ) and the reported balance was {$0.00} ; The bureau or source attached to this second notification was XXXX. 

On XX/XX/XXXX, I received another notification related to the first notification from XX/XX/XXXX, but it was now reported from the credit bureau XXXX and when I received notice of this third notification concerning my credit status, I received an email concerning an alert with my credit score, which had been reduced drastically by 134 points. My current credit score as of this writing is XXXX and before all of this it was XXXX. The status date of this third notification was XX/XX/XXXX ( I will attach a XXXX XXXX   document with screenshots of the specific details of these notifications taken directly from XXXX ) I believe this to be a mistake on Wells Fargo 's part since I was in a formal 12-month Mortgage deferment program with them. I remained in accordance all through XX/XX/XXXX - XX/XX/XXXX related to the requirements and conditions outlined in the deferment program and I was not in violation of any of the terms and conditions of the deferment plan. I should not have been penalized and should not have had this agreement with Wells Fargo show up as a delinquency on my credit history and my credit score should not have been negatively affected. 

I have asked my assigned Mortgage Consultant with Wells Fargo about this issue and I have not received a satisfactory explanation regarding this issue.
XXXX, although has the critical role of linking borrowers and lenders chose to provide incorrect information regarding Qualifying Payments made by me from the years XX/XX/XXXX-XX/XX/XXXX. I have been calling them, writing to get this resolved since XX/XX/XXXX. initially the servicer was XXXX XXXX and since XXXX has been assigned as the servicer, they have been providing misleading information regarding the payments i made in XX/XX/XXXX and XX/XX/XXXX that were taken directly from my debit card. Upon talking to XXXX today on XX/XX/XXXX, I was explained that it is my responsibility to comply with the criteria set forth in order for the payments to count toward the 120 Qualifying payments. I was not informed that the loan amount being paid was not the full amount and thus not being counted toward the Qualifying loan payments.Although this information was held from me during the times i contacted XXXX  in XX/XX/XXXX and XX/XX/XXXX and so i was unable to contact my finanacial institution to correct the loan amount that would satisfy the criteria for these payments qualify, XXXX representative stated that they can not confirm that i was given misleading information and there is nothing XXXX can do to rectify this situation as they can not be held accountable for me not keeping track of the loan amount. This is just unfair that these servicers are keeping pertinent information from borrowers so that they can make informed decisions. Misleading information and lack of help has been the pattern during my dealings with XXXX escalated team. Their practices should be questions and representatives should be held accountable for false information.
XXXX XXXX offer me a credit card when I purchased a laptop from XXXX XXXX store. Its been already one and half month, they have not sent me the credit card yet. They did not give me any account information and I am unable to access my account. As there is no online access I am unable to pay the monthly installment and my credit score is getting affected. Whenever I called the customer care they keep sating that i am supposed to get the credit card within a week but no action has been taken from their side.
This collection agency has consistently & repeatedly, numerous times over numerous accounts, reported erroneously information ( Known in the industry as " skip / trace '' errors ) which in some manner they have mistakenly attached to me as the account owner and debtor. This erroneous data has been reported to all three of the major credit reporting bureaus : XXXX, XXXX & XXXX beginning XXXX XXXX - XXXX XXXX on XXXX separate accounts ( Reference # XXXX - {$1000.00} / # XXXX - {$350.00} / # XXXX - {$130.00} ) all associated with XXXX, a cell phone provider I have never had an account relationship with. 

Enhanced Recovery Collections of XXXX, Florida has been contacted in each instance, yet continued to make the same error on new accounts. In all cases my SSI # was not initially associated with the account, the XXXX accounts records contained faulty street addresses in states I have never lived and in a number of cases not even my legal name was on the account. ERC is making these record alterations - additions ( Skip / trace errors ) themselves, but blames other organizations ( XXXX - XXXX ) as the responsible party. Regardless they are the one 's reporting the data in error to the credit bureaus. They are aware of the problem and failed to fix it. 

This agency seems to utilize its credit bureau reporting capability in a " predatory fashion '' in order to pressure and collect from anyone they have erroneously associated with an account in default.