WillisBack/dataset-financial-user-claim huggingface dataset:
This email was sent to Home Point Financial and explains my complaint : After trying to call you on multiple occasions and being disconnected after 30 minutes of wait, I finally reached a voicemail and left a message about a letter you sent me that said I missed a payment, I have never heard back from you and it has been several days. I have never missed a payment on my mortgage and since you bought my loan nine months ago all of my electronic payments to you through XXXX XXXX have gone through. The last payment was credited to you on XX/XX/XXXX and I am about to send another payment for XX/XX/XXXX but I need to hear from you so that you can figure out why I was sent such a letter. If I dont hear back from you today I will be making a complaint to the CFPB about your practice of collecting my funds on time while trying to get me to pay an additional payment and late fees on a bill that has already been payed according to XXXX XXXX. Nothing has changed in the way I pay your bill electronically through XXXX online banking and you havent sent me anything that would indicate a change on your part. 

It is sad that you can not be reached by phone or through the internet as both where tried on your established phone numbers and website. You should be ashamed of your business practice of being unavailable after you send out erroneous late letters in order to prompt additional payments and fees on mortgage payments that are not late. I would contact the XXXX but I see you are not a part of that organization for obvious reasons. I hope I hear back from you quickly before I start contacting the state and federal resources that will answer the phone and assist me in getting you to respond about you erroneous late payment letters to home owners that require them to make another payment with erroneous late fees. 

XXXX XXXX
My husband and I opened a joint account at Macy 's in XXXX XXXX when we were in the process of purchasing XXXX item. It was opened at the cash register and cards were not given to us. In XXXX we received a bill for the item and paid for it fully. We never received the credit cards but did n't think about it because we opened it only to purchase XXXX item. In XXXX XXXX we received a bill for {$1700.00} ( full amount of credit limit ) on the account. We had made not further purchases. I called Macy 's and reported it as fraudulent. The customer representative told us not to worry - that we were not responsible for the charges. In XXXX XXXX we received a letter stating that we owed {$1700.00} and that we were being reported to collections. We called and were told we needed to talk to someone in that department. We were put on hold for 15 minutes. We hung up. We mailed and faxed a letter with documentation with the help of a Macy 's manager on XXXX XXXX. It is now XXXX XXXX, XXXX and we have not received any response. However, we continue to receive automated calls from Macy 's. They are continuing to hold us responsible for the card. We did not activate the cards, nor did we sign for the disputed charges. We are in a cycle of bureaucratic ineptitude.
In  XXXX  of   XXXX   I received my credit report and found there were  XXXX  collections being report by   XXXX   XXXX   for the amount of  XXXX  and  XXXX . Upon placing a call with them i was told that these account were in collection for  XXXX   XXXX . The young lady on the phone gave me the addresses of both accounts. This is when I discovered that someone had stolen my identity. I filled out a forgery affidavit, had it notarized and made a police report. All of this information was sent into the credit report, and to   XXXX   XXXX   as well. all of this took place on  XXXX / XXXX /  XXXX  . It has been over a month and no one will tell me anything as to why these accounts are still reporting on my credit bureau.
My PII was stolen and lost due to monumental incompetence and negligence by Equifax. Executives sold their stocks before letting us know, how is that not insider trading? They 're also charging people to take measures to fix THEIR mistake, and now XXXX is intentionally complicating the freezing process by putting their worthless ID protection in our face and deterring people from freezing. No corporate entity should be allowed to have this much control over this much sensitive information, and all of these execs that knew this was coming need to be locked up.
The agencies say they have provided my free annual report, but the only report that will display will XXXX. XXXX has an online dispute, but the system is always " temporarily down '' when trying to submit a dispute. They asked that a manual form be filled out and sent. I ca n't dispute incorrect items with XXXX and ca n't even recieve the free reports from the XXXX other agencies.
I have a federal and a private loan originally with XXXX and now currently with navient. Both loans have the same account number however come in different payment books. At one time I was even sending the payment to the same address so it made sense to send payment with my pay stub and two separate checks but in the same envelope. The payments were always made out for the Amount that was owed on the payment stub however navient would often times apply. Both payments to one loan whichever was n't due as soon and then when the other loan would default they would charge a late fee and start the harassing phone calls that would n't end. I have discussed this with them many times and they always say they have it taken care of. Also my repayment plan that I was on and was affordable was never explained to me to just expire one day and triple my payments with no other options and was givien to me under false pretenses saying that it would bring me up to date and current and that no interest was being charged. When asked what my new bill would be for each loan they could n't even tell me what I owed each Month but obviously still expected me to pay it. They are an awful crooked company and I want justice.
Wyndham Capital Mortgage presented me a refinance at 4.875 % interest with 0.887 % of Loan Amount Discount points with a 60 day lock on XX/XX/XXXX. 
The closing took place on XX/XX/XXXX and they charged me 1.012 % of Loan Amount Discount point plus a Borrower Paid Lock Ext of {$220.00}. 
I was totally unaware of this increase on discount point and this Lock Ext until two days prior to the closing ; therefore, I did n't have time to fight this. 
I decided to close anyways and file a complaint. I let them know that I was going to file a complaint.
CCS sent a letter stating I owe XXXX to XXXX, the policy cancel date shows as XXXX/XXXX/2015. The correct date is earlier, it appears the rep I spoke with chose to put a future cancel date of the XXXX instead of the day I called in. I do not owe XXXX, I thought I had money coming back to me. I no longer own the vehicle, it was sold prior to XXXX
Equifax is reporting my information with multiple negative comments on my report. After debt has been paid. Disputed XXXX more then once. XXXX has been paid and they keep selling my account and the other companies threatening a lawsuit. Harassing calls. Tried to pay XXXX directly and they wo n't speak to me they send me to the other company. Whom I paid and then they sold it to another company. Equifax has report other paid credit card debts as charge off. As well as stating it 's paid another count again adds more negative comments. It 's rediculous. I have had false medical accounts deleted from XXXX credit report but equifax refuses. This credit bureau is ruining my credit with ittsnpaidts in accuracies. As well as XXXX not reporting information correctly. Please help
I have loans totaling apps {$40000.00} from XXXX. I ca n't verify this amount. The bill is currently near {$80000.00}. The loan was consolidated with my husbands who borrowed much more than I, died in XXXX. They forgave his debt but from what I can discover, I still owe more than he ever did. They will not verify anything with me or tell me how they come up with the math that seems very unfair. I am currently in low income deferment but would appreciate clarification on the numbers. Thank you
I placed a catalog order with XXXX/XXXX, I was asked to make an initial make required deposit and did so. However, I never received the merchandise. I have made numerous attempts to have the information removed from my reports with no success. Please see my letter to them with other supporting documentation to support my request to dispute their inaccurate and false reporting to you. Their negative information is impeding my ability to get a mortgage. In XX/XX/XXXX, and XX/XX/XXXX repeatedly requested tracking numbers in order to verify that I never received the merchandise they claim they sent, and to substantiate the return of the money I paid them. They refused.
XXXX home service was to install service in my apartment at that time, they installed service in the downstairs apartment, which was not mine and charged me for installation and fist months service fee 's and charges.
XXXX XXXX letter : XXXX XXXX has ruined my credit score, from XXXX to XXXX. I closed both my XXXX account and XXXX account on the XXXX of XXXX. I ca n't even access my accout but I got a email this morning saying I owed XXXX on my XXXX account. Immediately paid it today but I had no notice, no account and they made a charge on XXXX XXXX, 5 days after my accout was closed with XXXX balance. In fact my rewards was XXXX or something which I did n't care about. They started late XXXX with some " Hard Inquiry " junk then sent me a XXXX credit limit XXXX card I could never activate. they wanted drivers license copies, SSA copy, bank statement copy, all of which I sent them and they still wanted more info, so I do finally had enough and told them to close both accounts. All my other account are paid up and on time. XXXX XXXX is ruining my credit score. if it does n't stop, I will take legal action because this is how big business ruins people 's lives. 
Sincerely, XXXX XXXX
Bank of America is reporting an inaccurate account on my credit report. They are stating on my credit report that an account was included in bankruptcy on XXXX XXXX, 2012 when my bankruptcy was filed on XXXX XXXX, 2012. I sent them a dispute letter to verify all this information and it was ignored. I disputed with the credit bureaus to get this account updated as well and they continue to report the inaccurate information.
XX/XX/XXXX, I opened an CD with the USAA bank. 15 years later, I call in XX/XX/XXXX, to check my account and to see how much interest my CD obtained over the years. I am then told by an employee that I have no funds in my account because I got an loan in XX/XX/XXXX. I told the employee I never signed an loan, but they fax me paper work with my signature. Although I told her I do n't recall ever getting this loan, I asked her where was the check because I never received an check. They said they would investigate. 

I call back two weeks later and they told me the check has n't been cashed, so then I request to get my money back and this is where things get sketchy. They give me the run around for two months, claiming this and that. They were suppose to put out an fraud claim, and my daughter even recorded conversations with them asking where my money was. 

Finally, I sent an complaint to the XXXX. The XXXX gave them 7 days. The CEO, XXXX XXXX, responded back to the XXXX saying, 'in my account the loan was given to me, and the funds were taken out of my account to pay back the loan. ' However, I sent an rejection to the XXXX telling them I never received an check, and that the check I was suppose to get was not cashed. If the check was n't cashed, why are n't they able to give me my money back in my account or issue me an new check? It 's because they 're stealing from customers. 

Upon searching online, I have found similar complaints from other customers within my location of who also been betrayed, lied to, and stolen from from this company. The USAA location is XXXX XXXX XXXX, XXXX XXXX Tx, XXXX
I made a payment of {$1500.00} over the phone to my Capital One credit card using a debit card as a form of payment on XXXX/XXXX/15. The payment cleared the debit card on XXXX/XXXX/15. However it never appeared on my Capital One credit card. I called several times about this issue and it 's still not resolved. Sometimes I had to be on hold for XXXX hours (!!! ) Finally they told me that they sent me a letter asking for the routing number and account number of the bank where I would like to get refund. However, I never got this letter. I called again and they took this information from me over the phone. Anyway, it has been more than XXXX weeks and it seems like Capital One is not going to refund my payment. 
Please see a debit card statement with cleared payment attached. 
My other complaint is that Capital One closed this card about a month ago stating that they did n't like the way I use it. I only did few purchases online for about {$2500.00} total and my card was closed. I have not violated any rules and I really do n't understand why they closed it. I used to have another card from them previously which I rarely used and it was also closed for no reason. If they do n't want people to do certain type of purchases - they should inform customers first about that instead of closing cards.
My son graduated from college this past  XXXX . Before he graduated, we called  Nelnet   (  his loan service provider ), and asked when interest on his loans would begin to accrue.  Nelnet  told us that interest was deferred for 6 months from his graduation date. Then shortly after he graduated, we again reached out to Nelnet, this time via a recorded chat and asked the same question - and were told the same answer. Mind you, we still have the recorded chat to refer to. Today, we received an email with a new statement attached, so we logged-in just to confirm all looked status quo. Much to our surprise, the distribution from his freshman year showed accrued interest. Upon calling  Nelnet  and speaking to an " Account  Manager  '' in addition to a front line phone person, we were told that his freshman year distribution was during the time period when  Congress  had repealed the " grace interest subsidy ' ' (  XX/XX/XXXX  - XX/XX/XXXX )  so interest began accruing the day he graduated and would continue to accrue until paid in full. How is it that the two initial people we spoke to at  Nelnet  via phone and live chat, did n't seem to know this? We, of course would have paid off the freshman year distribution then back in  XXXX , and not waited so interest was accruing. Additionally, Nelnet spoke to us on the phone like we had not done our research, nor were they willing to do anything for us. This is wrong in so many ways!!!
I received a call from XXXX XXXX from the Office of XXXX. She said I have an outstanding balance from Wells Fargo in the amount of {$1500.00}. I have a Wells Fargo account and know nothing of this. If this did happen, it was over 10 years ago when I was living in XXXX XXXX. I now live in XXXX. She said she sent me a letter which I never received. I told her to send me written verification of the debt and she refused. She immediately told me that I need to settle or it could escalate to court. I am disputing this debt and she is refusing to work with me or give me validation. I have looked up the number and have found numerous complaints. They asked me if I was XXXX XXXX ( I have n't been using XXXX in 5 years since I got married ). Wells Fargo has no record because I called.
My payment history shows that Ditech had received a payment for {$1000.00} which was to be XX/XX/XXXX  mortgage payment with the extra amount going to principal. They show the entire amount going to principal and that I have n't made a XX/XX/XXXX payment yet. I wrote them about this on XX/XX/XXXX and got a response on XX/XX/XXXX that reads : " Your request is being reviewed for appropriate processing, '' yet the account shows no mortgage payment for XXXX 2017, according to them. Given all of the problems with Ditech/Greentree that I 've had, I honestly believe this is an attempt by them to claim a late payment by me. I also wrote to them indicating that I was sending in XX/XX/XXXX payment early and that this, too, should be applied to XX/XX/XXXX mortgage payment. I have not seen that payment as posted, yet. I also asked ditech for a new security question from among the three they give me. The answers must be exact with cases correct and I ca n't remember one of the answers. I have been locked out of my account a few times because of this. Once is happenstance. Twice is coincidence. Three times is enemy action ... .XXXX XXXX . This is well beyond the third such issue with Ditech.
I have a current credit rating of XXXX. Chase is charging 27.74 % interest on the unpaid balance on my credit card and they claim that they are unable to lower my rate. They admit that I have had the account since XXXX and that I have n't had a late payment since XXXX.
When I set up automatic payments for my lease on the XXXX XXXX website, I mistakenly entered XX/XX/XXXX as the end date ( which amounted to 24 months ) rather than XX/XX/XXXX ( which was the correct 36 months ). Then, after 24 months of perfect payments, my  automatic payments stopped, unknowing to me. Yes, my mistake, however, I was never notified that my payment was late until my credit service sent me an email saying something was up with my credit score. Despite receiving several emails per month from XXXX XXXX, including payment confirmations, I never received an email that my payment was late. I only learned this when my near perfect credit score had dropped 110 points. I contacted XXXX XXXX and after two rounds of explaining this situation and stating that it was an obvious mistake and more importantly that I was never notified that my payment was late, they denied my request to fix the credit reporting. 
In an early call with the CSR, the CSR pointed out that this happens all the time. She said that the payment scheduling system was often misunderstood by customers and that payments were often missed due to mistakes. 
In my last call on the phone with XXXX XXXX, the CSR explained to me that XXXX had no obligation to notify me whatsoever and he said that even statements were a courtesy. He said it was solely my responsibility to see if the money had left my account each month. Period. 
Firstly, it seems the entire online payment system at XXXX is set up to make the customer fail. The system is confusing and difficult to understand. Rather than simply providing payment information and having payments automatically paid from my account, it requires that you select the number of payments you wish to make into the future. The CSR already admitted that this trips people up she also said that people quite often make too many payments! 
More importantly, if I am signed up for online automatic payments, doesnt XXXX not have an obligation to send me a late notice if a payment is not received so that I can correct the problem before I learn it from my credit agency? I would think so. It would be unreasonable to expect otherwise. 
These two issues coupled together create a high likelihood of mistakes made by the customer, yet they do not acknowledge this. 
Please assist. The consequences of this on my credit score are far more impacting than deserved. 
Attached is a snapshot of my email inbox showing that XXXX notifies me about plenty of things but never sent me a notice that my payment was due or late.
A COUPLE YEARS BACK I SENT A LETTER TO THE CEO OF TRANSUNION CREDIT BUREAU. SINCE THAT TIME THIS AGENCY HAS FAILED TO LET ME KNOW OF BREACHES TO MY ACCOUNTS AND HAS INCORRECT PAYMENT INFORMATION ON PAYMENTS MADE TO MY ACCOUNTS. THIS SEEMS TO ME TO BE A PERSONAL VENDETTA AGAINST ME AND MY CREDIT. THEY HAVE FAILED TO ALLOW ME TO BUILD MY CREDIT BECAUSE THEY HAVE INCORRECT INFORMATION AND APPARENTLY THERE HAVE BEEN BREACHES TO MY ACCOUNT THAT NO ONE TOLD ME ABOUT. IF THIS CREDIT BUREAU IS SUPPOSED TO DETERMINE PEOPLES CREDIT RATINGS AND THEY XXXX UP INFORMATION AND DO NOT RECOGNIZE BREACHES TO PEOPLES ACCOUNTS THEN WHAT THE XXXX ARE THEY GOOD FOR? 

I HAVE LOOKED FOR THAT LETTER TO THE CEO AND EVEN THOUGH I HAVE EVERY LETTER BACK TO XX/XX/XXXX, I CAN NOT FIND THE LETTER I SENT TO THE CEO OF TRANSUNION. 

WHEN YOU CALL THESE PEOPLE THEY ARE ABSOLUTELY CLUELESS AND THIS HAS BEEN GOING ON SINCE THE DATE OF THE LETTER WHICH WAS BACK IN XX/XX/XXXX. THERE ARE ACCOUNTS SUCH AS MY XXXX XXXX ACCOUNT, XXXX XXXX ACCOUNT, MY PERSONAL ACCOUNT WITH XXXX XXXX XXXX WHICH IS MY BANK AND MORE AND ALL OF THE PAYMENTS ARE LESS THAN WHAT IS ALLOWED AS EVEN A MINIMUM PAYMENT AND I DO NOT WANT TO CONTACT THEM BECAUSE THEY ARE INCOMPETENT AND JUST RECENTLY MY SCORE DROPPED CONSIDERABLE WITH NO EXPLANATION WHAT SO EVER AND THAT IS OUTRAGEOUS. I WANT THIS COMPANY INVESTIGATED BECAUSE I AM SURE I AM NOT THE ONLY ONE THAT IS BEING EFFECTED. 

WHOEVER IS RUNNING TRANSUNION THEY ARE INCOMPETENT AND THEN THROUGH XXXX XXXX I FOUND OUT THERE WAS A BREACH FROM COMPANIES I HAVE NEVER DONE BUSINESS WITH AND ALSO CREDIT CHECKS FROM COMPANIES THAT I HAVE NO IDEA WHO THEY ARE. 

IF MY IDENTITY HAS BEEN HACKED, THEN TRANSUNION HAS DONE NOTHING OR NEITHER HAVE THE OTHER COMPANIES THAT CONTROL CREDIT FRAUD. TRANSUNION IS CONTROLLING WHAT THE OTHER AGENCIES IN MY CASE ARE OFFERING ME AS A SCORE. I AM SICK AND TIRED OF THIS ABUSE AND I THINK WITH THE ADMINISTRATION WE HAVE THAT THIS CREDIT BUREAU SPECIFICALLY IS NOT DOING THEIR JOBS AND NOT TELLING PEOPLE WHY THEIR SCORES DROP AND HAVE MANY MANY INCORRECT PAYMENTS AND I WANT THIS CHECKED INTO AND THE CEO RUNNING IT SHOULD ALSO BE INVESTIGATED AS SINCE MY LETTER TO HIM, I HAVE HAD NOTHING BUT TROUBLE. 

I WANT TO KNOW IF MY ACCOUNT HAS BEEN HACKED AND THESE IDIOTS HAVE NO IDEA. AND THEY DO NOT CARE. I THINK REGULATIONS SHOULD BE PUT ON THEM AS THEY ARE EFFECTING PEOPLE WITH NO EXPLANATIONS AND MOST OF THE TIME DO NOT EVEN ANSWER THE PHONE OR HAVE A PHONE NUMBER PUBLISHED. WHAT ARE THEY HIDING? 

PLEASE INFORM THEM THAT I WANT EXPLANATIONS WHEN THEY XXXX WITH MY CREDIT SCORE WITH NO EVIDENCE AT ALL.
The company has been harassing me at my employment about paying the bill on the loan. I have expressed to them that I am not working as often and I am ill, in and out of the hospital. I did not and do not give them permission to harass me and nor my family about calling me about this loan. I am requesting that they set up a payment plan that is affordable to me at this time. I do not have a problem paying the bill, but I will NOT accept them harassing me.