WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased this savings certificate (XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX) in the amount of $XXXX on XX/XX/XXXX for my son, XXXX XXXX at XXXX XXXX XXXX in XXXX, PA. Certificate #XXXX. Since the purchase of this savings certificate, the bank has undergone many mergers: •	XXXX taken over by XXXX XXXX•	XXXX taken over by XXXX XXXX XXXX XXXX•	XXXX taken over by XXXX XXXX•	XXXX taken over by Wells FargoI have the original savings certificate which is a certificate that is an auto-renewal certificate in which the interest is capitalized annually. It states on the certificate that it is payable only upon presentation of the original certificate, which I have in my possession and have never presented it for a cash out.I have been speaking to XXXX XXXX at Wells Fargo Bank who has been assisting me to redeem this certificate and I’m told that they cannot cash it because they do not have any record of it, which they should. We have had a continuous account with all of these banks over thirty years and still maintain an account with Wells Fargo. They should have a record of my certificate and be able to cash it on its redeeming date. I have demanded payment with interest for this certificate upon its renewal.
My name is XXXX XXXX, A new address popped up on my credit report. I do not live in XXXX XXXX VT this Addresses newly reported XXXX XXXX XXXX XXXX, XXXX, XXXX live at XXXX XXXX XXXX, XXXX, XXXX, VT XXXX. I have never lived at the XXXX address above and have no plans to. I have never worked for XXXX but have worked for XXXX for 21 years.
I was in an automobile accident last XXXX and a bill from the accident was paid by my insurance ( or so i was told ) and then 6 months later a collection company reports i owe them {$50.00}. I was never called, never recieved a letter, no communication what so ever and they were allowed to put something on my report on XX/XX/2018 which dropped my score 30+ points and caused me to be denied credit because if them. I still have never recieved anything from them saying i owed then anything. I finally got them on the phone and paid {$50.00} just to resolve it quicker but they improperly ruined my credit for several months and now will have to wait for them ti remove it when i was not even told about it.
Ocwen Loan Servicing , LLC, located in XXXX, Florida refuses to comply with the Federal requirement to terminate my PMI insurance at the 78 % LTV.
What is this complaint about?

When applying for a car loan the credit report from XXXX/Equifax is drastically less from my consumer pull than what the dealer came up with. My scores have been hovering at the same number for about a year. I additionally have different averages for the age of my accounts. My paid off debts to not show for some reason either. Lastly, when I tried to get insurance it seems my public record was mixed up with wrong person, however I have no insight into this issue now.

What type of problem are you having?

Inability to get public information or the reasons behind my credit score being low. IE : Through my requests it shows as XXXX  but through a pull from someone else the score shows as ranges XXXX to XXXX. Not able to get insurance for new car. Not able to figure out what issues are happening for my records.

What happened?

I attempted to purchase a car out of necessity and had to co-sign with someone else because of the issues with my credit and possible identity.

What company is this complaint about?

Equifax, XXXX, and XXXX.

Who are the people involved?

Myself, XXXX.
Customer service will not provide an explanation of exorbitant ( over XXXX ) fees. I have made numerous requests for a statement of how and when my payments are posted and how the fees were calculated. This company is violating my rights as a consumer. This issue has been ongoing since I bought the vehicle in 2015. The dealer did not give me any other financing options. They rushed me through the process and led me to believe Ally was the only finance option I had. I feel that this was a violation of the TILA and will seek damages if this is n't resolved in a timely manner.
In or around XXXX 2015, Specialized Loan Servicing inaccurately reported my XXXX 2015 loan payment as 30 days or more late ; however, my payment was not late as it was made on XXXX XXXX, 2015. Specialized Loan Servicing failed to credit my account on the date of receipt in violation of the Code of Federal Regulations ( CFR ), specifically 226.36 ( c ). The CFR specifically states " no servicer shall fail to credit a payment to a consumer 's loan account as of the date of receipt, except when a delay in crediting does not result in any charge to the consumer or in the reporting of negative information to a consumer reporting agency. '' As a direct result, my consumer credit report was adversely impacted resulting in higher interest rates on credit cards and loans. Moreover, I was also turned down for credit.
We received the bill for our 16 company fleet fuel cards ( XXXX XXXX XXXX ). 
We have had this account for more than 10 years. 

One of the cards showed 4 purchases for gas in XXXX. The 4 purchases were all made within a 70 minute period at 3 locations on XX/XX/XXXX. Total of the fraudulent charges was {$1100.00}. A 5th purchase was attempted, but the credit card company declined the charge. 

The card was in our possession in Kansas at the time of the charges ( it was not lost or stolen ). 

Furthermore, the cards all require a passcode to authorize charges. The passcode was not used for these fraudulent transactions. 

We notified the credit card company via phone and in writing on XX/XX/XXXX. Their fraud department stated that we are liable for all charges on lost and stolen cards because our company has more than 10 credit cards for the fleet. The card agreement states that we are liable for " unauthorized use '' if the card is lost or stolen. The card was not lost or stolen, and the credit card company didn't do their required authorization check of asking for a passcode.
Hello : Fay Servicing LLC is a debt collector working for XXXX XXXX a Division of XXXX XXXX XXXX XXXX XXXX. 
We have several attempts to discuss a trial payment plan sent to us that is not affordable, but XXXX XXXX, the account manager at Fay is completely unresponsive to emails or phone calls. 
The amount that Fay is trying to collect is different from the original debt and not documents were provided to show why there is a difference. 
They are trying to foreclose on our home. We have XXXX  children and XXXX is XXXX XXXX XXXX. 

The loan was divided in two loans, one was dismissed in XXXX Superior Court when XXXX XXXX just like Fay Servicing try to collect. 

We need assistance from the CFPB to stop this injustice. 
XXXX Family
On XX/XX/XXXX l contacted lender by my cell phone number XXXX Lender at around XXXX Texas time to make a payment of {$1200.00} principal and interest.as what l can afford. 
Lender refuses to accept the payment and escalated the process to foreclose my home, because of my filed complaints with Federal Government since XX/XX/XXXX and present because of lender VA Loan frauds. 
By foreclosing my home, it would benefit lender so they dont have to hear from me anymore. 
I am going through a VA Loan Modification since XX/XX/XXXX and all documents was provide it, even though Texas has non disclosure law. 
Now, Lender stating there is document that is missing. 
On XX/XX/XXXX, in a response to Federal Government, lender stated that they no further documents is needed it and they was still working on my VA Loan modification. 
Now on XX/XX/XXXX, lender Rep stated Foreclosure had been escalated and l will be forced out my house with Texas Sheriff and Court. 
Lender wants me to pay {$7500.00} and in collection. 
Lender wants to collect {$7500.00} and Foreclose my home.immediately. 
I am XXXX and XXXX. 
I am going through agony and sadness because of my family in XXXX, XXXX as l explain to lender, but lender doesnt care and lender law firm is making preparation to foreclose my home. 
Urgent Matters.
My personal loan lender, Wells Fargo Bank, assessed a late fee charge of {$39.00} on XX/XX/2019. This fee was a direct result of a payment processing error created by a phone-banking representative. 

During my XX/XX/XXXX bill cycle I had attempted to have the Wells Fargo Loan Servicing Center process a telephone payment of the regularly scheduled amount but unfortunately it was applied to the wrong Wells Fargo account. I realized, and sought to have this corrected, about a week later with a phone call to the same center. During that very phone call, however, I requested the balance, LESS the current amount due, to be paid in full as I preferred to handle the outstanding issue of the misapplied payment myself to avoid any further complication. Another bill cycle passed and the payoff never took place. Since then, and on multiple occasions, Ive attempted to follow up with the same center about this issue but I have yet to receive any follow up service ( phone or written correspondence ). 

I have even visited the local bank branch to get some help with this issue as well as pay the loan balance in its entirety. But with it still not being resolved at the time of submitting this complaint I left a balance on the account in anticipation of this correction/reversal.
Have continually disputed incorrect information about  XXXX    XXXX   XXXX    XXXX  's on my report. Company comes back stating " company verified it was mine. '' However, they never have any documentation. After requesting documentation from the debt collector and not receiving any proof, there is no record of the account. Therefor, the account is continually being shown on my report despite no proof of any original documentation or that it is mine.
I am the XXXX for an XXXX XXXX XXXX. We received a check from a donor that was issued by a bill pay service XXXX ( formerly XXXX ), but the check was incomplete. About 1 inch of the right side of the check did not print at all, so the serial number, the trailing three digits of the amount and the check date did not print and thus I am not able to deposit it. I can tell by the written part of the check, but the check was only for {$10.00}. 

I contacted XXXX at the email printed on the top of the check along with an image of the check requesting that they reissue because the currently issued check is not valid. After 6 days, they emailed me back and told me I needed to resend the physical check for them to reissue it. This feels burdensome and not consistent with regulation CC or Check 21 because I do not believe this check has all of the elements to be considered a substitute check - thus they withheld funds from this donor and the donor is unaware of that they did n't actually issue a legal check. 

I, in good faith, notified them of an error that impacted a check issued to my organization with visual evidence of their error and they are refusing to resolve it without sending a physical check for a very small amount. This is harming my organizations donor ( who is a individual consumer ) and potentially an unknown number of other unknown customers who may have also had incompletely printed checks.
Originally I opened a Synchrony Bank JCPenny card on XXXX/XXXX/XXXX. On XXXX of XXXX fraud was committed on the account and the Balance was sold to a debt collector. I have spoken to the debt collector XXXX XXXX and they have agreed to remove the debt from my credit report. However, JCPenney continues to report to CRA 's as a Charge -off. 

I 've explained dozens of times that fraud was committed on my account and they have yet to help. I 've disputed this many times and still have no resolved actions.
I paid these people on an arrangement for an old XXXX XXXX bill last year. They marked the debt as " settled '' on both my XXXX and XXXX credit reports but they left it open as an active collections account on my XXXX report.
This Collection age ncy Company Cavalry Port h as failed to provide proper verification of the account they brought from  XXXX   XXXX   XXXX . This company has not and could not provide information like documents bearing  my signature that I owe ( {$540.00} ) to them or to any company. I want signed  documentations from this company saying that I owe the amount they are trying to collect. I have written letters  to Cavalry Port about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company Cavalry Port. Dont matter the original creditor have the same account number as the   collection agency.  XXXX  and  Cavalry Port different companies have on my credit report. I feel they are trying to be smart by having the same account number under two different com panies on my credit report which neither provided proof of documentation bearing my signature stating that I ow e ( {$540.00} ) the n all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had  XXXX ,  XXXX , and   XXXX    to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing  my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA
DATE OF LETTER ; XXXX They put too many obstacles in place to pay down your mortgage. Wen you set up your account for them to make pay bi-weekly thru auto withdraw from checking account they do not post payment until the whole payment is in. I was just informed they will no longer be accepting bi-weekly payment, after I set up automatic withdraws over a year ago and have been taking payments out bi-weekly that they control. I had not wanted them to have access to my account but it was the only way they would accept bi-weekly payment and post them in a timely manner. I feel that they want the consumer to spend 30 years paying the mortgage at this point and i have had nothing other then problems with this company since my home loan was assumed by them due to it being sold off to them. I have worked with many other mortgage companies and never had so many problems.my complaint is why are they dropping or saying they no longer accept bi-weekly payments and is it even legal do pull this stunt? 
i attempted to contact them but after being on hold for about a 1/2hr. i finally hung up.
on XX/XX/2019 I called my mortgage company to let them know that my payment was in the mail and for some reason due to the government shutdown my payment had not been processed. I spoke to XXXX XXXX, he said he would make a note and make sure that no adverse information would be appear on my account. he said he would waive all late charges and to check back within two or three days to see if the payment had been processed. well it turns out that one of the checks was lost in the mail. then XXXX came by and I made the XXXX payment on the XXXX of XXXX. but my account still showed as being XXXX late payment. I called back to let them know that the payment was somewhere but they couldn't track it either. they knew the reason why this check got lost and yet they posted on my credit report that I was 30 days late on my mortgage. this is not right. just ruined my credit report like that.
This debt was paid and should never have been reported to the credit bureau. I have been in the process of rebuilding my credit over the past 2 years. I t ake my credit score  and report very serious. I was unaware that this was on my credit report!
I have had problems with Ocwen for many years ( I filed previous complaints against them in past years through the CFPB ) and once again I am turning to the CFPB to help me.     I recently received a monthly statement that listed that I owed {$1300.00}. I paid this amount promptly. I then received a statement a few days later that stated I owed {$1700.00}, which reflected past due fees/other charges in the amount of {$450.00}. Once again, I quickly made the difference in payment that I paid previously to what was listed on the new statement. A few days later, I received yet another statement that stated I owed {$1600.00} due the next month which includes foreclosure costs and legal service fees. I can see how consumers could be forced into default due to the confusing and inaccurate servicing by Ocwen.     This loan was originated in  XXXX  of  XXXX  and to date, I have never been in foreclosure nor have I ever been late. I called Ocwens customer service and explained this and was told we would not list a foreclosure cost fee if the loan was not at one point in foreclosure.     I did file bankruptcy in  XXXX  of  XXXX  and recently completed my 60 month Chapter  XXXX . However as I mentioned above, I have always paid my mortgage ( even during my bankruptcy as my plan called for mortgage to be paid outside of bankruptcy ) and have never been late. Therefore there should not have been fees assessed due to the bankruptcy as I included the continued payment of my mortgage when my Chapter  XXXX  plan was filed and approved and at no point was my loan ever in default ( which would prompt a foreclosure cost or legal fee ).     I sent my payment to pay the full amount owed as I do not want to be in default or late, however I demand a refund of the {$450.00} foreclosure fee/legal filing services that I was charged.     Please help me obtain a refund of this unwarranted fee.     Thank you,  XXXX   XXXX
Identity has been compromised. Should have mandatory fraud protection from equifax because of this. Every vital piece of information regarding my identity has been breached. that is very unsettling.
I was denied credit from my bank because trans union reported info to the bank stating that I have insufficient credit history, insufficient credit experience and insufficient time since most recent accounts establish. Trans union lists my length of credit history as ; average age of accounts, 3 yrs and 2 mons, age .of oldest accounts 6 yrs 0 mons . XXXX length of credit history 21 yrs and 2 mons, XXXX   length of credit history also 21 yrs and 2 mons. This action took place on Sat. XX/XX/18.
After several attempts to have inquiries, collection accounts and a bankruptcy removed from my credit file I did some further research regarding my Equifax credit file and find that my personal information was breached.
I opened a checking account with TD Bank in XX/XX/2018. I was told for the first 90 days my deposits would likely get a hold placed on them, including my paycheck. I was okay with this and understood. However, it's been well after 90 days and my paycheck gets a hold placed on it continuously. I get paid bi-weekly, generally the same amount, and I'm told by the tellers that the funds should be available the next business day. In my experience with banks, usually the funds are available Saturday if you deposit Friday, however this has not been the case except for one time. Since opening my account, my paycheck has not cleared as expected except for one time. This causes me to have to visit a branch, I've been to multiple locations and spoke to managers at 3 separate branches. I'm told these holds are dynamic, and that they can release my funds manually but can't give me a reason why it's happening. I've been assured it will be handled, but it still has not. I'm afraid to deposit my check into my account because sometimes the hold lasts 3-4 full business days, almost a full week from the deposit date. I have automatic bill payments going through, as most people do these days, and it will cause overdrafts, which I have to spend more time in the branch getting refunded.I keep being told the " back office '' needs to fix the problem, however consumers can't actually speak to anyone there. I went into the branch in XXXX, FL today, and spoke to XXXX ( XX/XX/18 ). He said he saw notes on my account relating to the problem I describe, but couldn't provide any details or updates. I just don't think I can deposit my paycheck again with TD Bank, it's becoming such a burden and inconvenience.
Discover bank charged me {$15.00} excessive withdrawal fees in XX/XX/XXXX {$180.00} fees in XX/XX/XXXX and {$60.00} in XX/XX/XXXX. I never received their letters they mentioned in their previous  correspondences. If they sent letters, they were never delivered. I was never informed of this. As a bank, those fees need to be refunded as a courtesy. $ 200+ is a lot to me.
I contacted XXXX on XX/XX/2018 to dispute inquires listed below because i was victim of their " inquires Issue '' and they refused to remove it. There for i come to you with hope you can help me to remove the following inquiries and delete them completely from my credit INQUIRIES XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX  ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX XXXX REMOVE ) XXXX XXXX ( REMOVE ) To delete they said they would not help
My payment is due by the XX/XX/XXXX of each month. Realizing I could not make the payment this month, I called XXXX ( XXXX ) XXXX, to let her know that I 'd make a double payment next month. This is the first payment I missed. I called XX/XX/XXXX. It 's XX/XX/XXXX and I 've had over 5 calls. 3 just this morning. They are calling my mothers phone yelling out XXXX and hanging up. My mom calls back to find out who they are and it was Southern Loans. It 's childish and Inc all for especially since I called them. In return they started calling me the next day as if my situation would change.