WillisBack/dataset-financial-user-claim huggingface dataset:
I recently refinanced my mortgage on XXXX XXXX 2015. Wells Fargo was paid off on XXXX XXXX 2015. I am owed about {$2600.00} from them in my escrow account. It is now XXXX XXXX 2015 and I have yet to receive payment from Wells Fargo from my escrow account. I want to know why if I, as the consumer, am late with my remittance on my mortgage, be it a fault of mine or fault of the mail system, Wells Fargo will send me to collection. But if they intentionally sit on my money, by delaying payment to me ( thereby still collecting interest on that money, since it is still in their holdings ) there is no consequence or way that I can get my money back from them. I also feel that in this day and age of instant payments via the internet, it is atrocious to think that Wells Fargo can not remit my money electronically. I feel that this is very unjust to the consumer and that the consumer should have some sort of legal recourse against the banks for intentionally being slow ( there is no honest excuse in the days of electronic banking, especially since I paid my mortgage electronically each month ) to hold on to the consumer 's rightful money as long as possible to reap the benefits of holding it. I do realize that the basic interest rates are extremely low at this point but it is the honest principle that there is no reciprocity in the process between the banks and the consumers. The banks are all powerful and there are no real consequences for them. I would appreciate any feedback you can provide. 
Thank youXXXX XXXX
I have contacted them repeatedly to get negative past 30-60 days late off my credit report. I have paid on-time and have never gone past 30 days. They will not look at it or help me with anything. I was also part of the XXXX  scam and I had charges on my credit card that were not mine and so I had balance that was not mine and they did not remove it.
i was financing a vehicle, make on time payments. Then in XX/XX/2014 i had a XXXX unable to work. contacted dealer to turn in vehicle and forfeit all moneys paid on vehicle. They in turn go through repossession, and resale of vehicle, before 90 days stated by repossession company, to re obtain vehicle if able to return to work. 
I then get letter stating the amount owed after sale. few weeks later collection letters arrive for more that first letter, almost double the amount. Then i get letters from a 3rd party collection agency for almost triple the amount owed. followed by letter delivered by a sheriff to my XXXX year old son for yet a different amount, almost triple. 
the dealer and loan company are both well aware of me having a XXXX and out of work since XX/XX/2014. and continue to harass with letters, threats and abuse since monthly. 
also on my credit report the loan was closed on XX/XX/2014, around the same time of resold. the vehicle was taken around mid XXXX. by the way completely different than the amount on letter, and sherifff documents sent to me. 
in my opinion, this is uncalled for, and abusive on dealer and loan company, can you check into this and contact me back at XXXX. 
it was stressful enough with the XXXX, then have to deal with this harassment.
The bank did not advise that my account is going to be negative do due to two transactions that was made back on XXXX. I understand my responsibility but the bank failed to let the customer know what is going to happen. On my case I will posted the money to avoid the fees. The complain is not about the $ XXXXwith anymore. the complain is to tell how to th bank manipulate lower income class people money and also how the representative for the bank do n't give a dime to help their clients. In my case I was baking for more than 12 year also receiving two direct deposit. Is very upsetting that the bank with all the money that make with my own money they were not able to help but the supervisor ( XXXX ) she very sarcastic told that she was very sorry and that she do n't even care if I 'm going to closed my bank accounts with Bank Of America but I have to paid the fees. 

I will like to be reach Thanks
COMMONWEALTH Financial for {$65.00}. The collected the debt in XXXX of 2017. While checking my credit I noticed a collection agency reported me to the credit agency for having a debt. At no time did they call me or write me to inform me about this debt. The only reason why I knew about this is because I checked my credit score. I have paid off the debt immediately however this is poor practice and is hurting my score. Luckily I was trying to buy a home and find out about this down the road since they weren't making an effort to collect but just report. Once I called I was not offered any chance to dispute. Once I paid, I was notified it could take up to 45 days for it to be cleared from my credit report. I find this unacceptable.
A collection agency sent me a notice of a debt I was told I owed from XXXX. I was notified of it in XXXX XXXX. I was told that if I paid the total amount minus the {$110.00} ( a discounted amount ) that the debt would be paid in full. I did not contest the bill, and paid the amount as requested. Now, this 'discounted amount ' shows up as a 'collection amount '. That 's a surprise to me! I kept the letter stating this request, so I have proof.
In XXXX / XXXX of 2017, myself and millions of other citizens played victim to the Equifax security breach. They 've not directly informed me of the breach and the potential for my identity to be stolen thanks to their negligent security practices. According to the Equifax Potential Impact site, I am listed as a potential victim, and have yet to have received any information from them regarding the breach or how to proceed from here so as not to be a victim of identity theft.
On XXXX XXXX 2017, a check, Number XXXX, in the amount of XXXX was presented to XXXX XXXX XXXX in XXXX PA. This account is an XXXX dedicated account ; all disbursements must be by check. I am the custodian on this account, which belongs to a XXXX XXXX XXXX XXXX. The custodial relationship is listed on both the check and the account. 

On that day, the check was declined without good cause by " Certegy ''. 

After such decline, a Consumer File Disclosure Report was requested from Certegy.That report 's control number is XXXX The information on that report consists solely of the fact that they declined the check, and that there is no other information on file. Six pages of FCRA legal boilerplate, and NO useful information provided at all. 

Note that this account is over 8 years old, and carefully managed. There has never been an overdrawn check on this account. Typical use occurs while the XXXX XXXX XXXX or XXXX XXXX, and a declined check could spell a disaster, so having a valid check declined out of hand for NO justifiable reason is unacceptable.
I deposited a cashiers check for {$2900.00} at Bank of America ( BoA ) in XXXX of their atm machines. The next day ( a XXXX ), after clearing, I withdrew all of the cash. I then used the money as instructed from an advertising-wrap agency to send the money to an actual wrap applicator. This all showed up in my checking account XXXX days later on Monday. XXXX days later on XXXX, my debit card was declined. Investigating online in my account, an in-processing debit transaction showed up for the same amount as the cashiers check ( - {$2900.00} ). I called BoA and they said they were investigating. XXXX, the next day, the transaction was fully processed as a chargeback item to me. BoA informed me that I was held responsible and that the cashiers check was actually a counterfeit. The originating bankhad informed BoA of this fact. Also, BoA informed me that they only service their atm machines ONCE PER WEEK. Yes, I agree I was foolish to deposit the cashiers check in the atm and SHOULD have deposited with a teller at a bank counter. Unfortunately, I do not even think about being scammed, used as a " mule '' for counterfeit checks, money, etc. To further exacerbate this problem, I am an XXXX recipient of about $ XXXX/month that was XXXX on Friday, the next day. I was unable to have XXXX, the U.S. Treasury dept, or BoA to cancel/stop the direct deposit so I could pay my monthly bills with a resend of my XXXX ( this is all due to timeline protocols between the Treasury and the banking system ). So, I have currently lost my stipend to my BoA checking account.
Loan Number XXXX with Ocwen. Ocwen is showing much more than what I owe on my Loan with them. Loan was taken out in XXXX XXXX for XXXX. Since then they are saying I owe XXXX. I have been trying to get statements showing my payments since XX/XX/XXXX. Recently with your help I did get them from XXXX/XXXX/XXXX but nothing before. The statements that I did receive had many discrepancies. I will up load the XXXX different statements to you showing the discrepancies. Beginning with the oldest statement that I have but not going to original date of XX/XX/XXXX. The oldest I have is XXXX/XXXX/XXXX to XXXX/XXXX/XXXX there were several payment that no interest or principle was applied those dates are XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Unexplained fees on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Other discrepancies were pages XXXX to XXXX were not mailed to me. Ended balance after XXXX/XXXX/XXXX was showing at {$81000.00} with all the discrepancies. Statement dated from XXXX/XXXX/XXXX to XX/XX/XXXX Balance was lowered to XXXX then they added a suspense application fee of {$510.00} bringing it back to {$81.00}, XXXX. Statement dated from XX/XX/XXXX to XX/XX/XXXX Many property inspection fees and valuations XXXX were done on XX/XX/XXXX only Balance was down to {$79000.00} on XX/XX/XXXX then I tried to get a modification and they told me I was going to lose my home many times unless I signed the trial payment. I had no choice and they increased my payments were I could n't afford and increased my Balance to XXXX. This was ILLEGAL but I thought I had no choice at the time. Statement dated XXXX/XXXX/XXXX to XXXX/XXXX/XXXX incorrect Balance of XXXX. Again I feel they increase my balance of my loan illegally and do n't owe what they are showing with all their fees and increase of balance. This is illegal unfair practices. I am still trying to get the statements from XXXX XXXX to XXXX XXXX to see if they have also made incorrect charges or did n't give me credit for my payments.
I borrowed some money from Tower Loan of XXXX I was paying on time every month until XX/XX/XXXX when I had to stop working due to medical problems and did n't have any income coming in because I do private sitting. so I paid half for XX/XX/XXXX and every since then they call everyday 3 to 4 times literally everyday including the people I put down as a reference filling up the mailbox say they have to put a date in the system as to when I 'm going to have the money I can tell them I do n't know when I 'll have it and they keep insisting I give them a date I 'll have the money She hang up and call the cell phone then my references then they laugh on the phone ( not professional at all ) stating we have to put a date in the system but a letter was sent stating it was going to collection a month ago but Tower Loan of XXXX keep calling and calling it 's to the point I feel I 'm being harassed I know bill collectors should n't call 3-4 times a day I 'm I the only one that borrowed money? PLEASE HELP ME FROM THE HARASSMENT
This is not a duplicate. Please read below. According to the FCRA, negative information in my credit file is subjected to a thorough investigation. Again, this information has not been verified to be true. 

In a previous complaint I disputed account XXXX which was a XXXX XXXX account financed through XXXX XXXX. I apologize for getting the account information incorrect. This account was paid and settled as the manager adjusted the price for the furniture like I said in previous statements. 

However, the problem is with the account XXXX with XXXX XXXX XXXX financed through XXXXXXXX XXXX. This information is completely incorrect. I have asked the 3 credit reporting agencies to look into this matter and re-investigate and they have not. For some reason they keep sending me a credit card statement in the mail, however, they have not been able to provide substantial evidence that these purchases were made by me. Where is the original invoice with the items listed? I have no idea what was even purchased. I have yet to be provided with any supporting documentation that shows my signature or a promise to pay agreement with XXXX or XXXX XXXX XXXX. It is very discerning that XXXX would be allowed to report incorrect information to the 3 reporting credit agencies and sell it to a collection agency. 

In 2017, XXXX actually investigated and found this account to be incorrect and deleted from my credit report. Attached you will find a letter supporting this. Moreover, XXXX has not removed this account from my report. I am truly distraught by this negative information and the impact it is having on my credit file.
When I remit a payment by paper check to ECSI, the student loan servicer for Perkins loans issued by the University XXXX, I indicate on the check and on the remittance stub that the proceeds of the check are to be applied to the current month 's payment as well as to the next month ( s ) payment. For example, if the monthly payment amount is {$43.00}, then I will write a check for {$86.00}, and will clearly indicate on the face of the check and on the remittance stub that the payment is for the current month and the next month ( e.g. XX/XX/2016 and XX/XX/2016 ). However, ECSI does not apply the payments correctly. Instead, they apply the full balance to satisfy the current month 's obligation and apply the remainder to reduce the principal balance. They then fail to apply a payment for the next month and assess a late fee for a missed payment. ECSI then sends out a billing statement that indicates that the account is past due, that a late fee has been assessed, and that the account will be reported as delinquent to the credit bureaus. Upon contacting ECSI to resolve the issue, I am routinely informed by their customer service supervisors that their current payment application system can not accommodate such requests by borrowers to apply payments across multiple months. They often agree to waive the late fees as a " courtesy, '' but can be quite rude during the whole process. Moreover, when I request documentation regarding how payments are applied and documentation regarding the credit reporting status for the account, the customer service supervisors refuse to provide the information and instead state on the phone that the fees were waived and there are no issues that would require them to send documents. 
ECSI routinely refuses to apply payments as requested, and knowingly and willingly violates the wishes and clear intentions of borrowers making payments. They do not allow borrowers to prepay on accounts, and instead assess late fees and threaten borrowers with negative credit reporting despite the fact that the borrower 's account should be and is current. In order to have payments reapplied correctly, I have had to call them and be subject to the intimidating and harassing tone of supervisors who only reluctantly correct account servicing errors such as those described above.
I sent BYL services a debt validation letter and they have yet to respond. Needless to say this is an invalid debt and does not below to me. I will seek legal ground if I have to because not only have they violated the FCDPA by not notifying me and giving me 30 days to respond to this debt. It read as XXXX on my credit report. I do not know what that company does at all. 

I sent BYL services a debt validation letter XX/XX/2016 and it was delivered and signed for. XXXX attached. 
And I did not receive a response. This is also the XXXX violation of the FDCPA and FCRA. 

The fact that it is still reporting on my credit report is another FDCPA violation.
My husband and I filed chapter XXXX bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. Our Home was included in the bankruptcy. The home was mortgaged through Wells Fargo. I have previously filed complaints against Wells Fargo for their continued correspondence regarding payment of mortgage, insurance coverage and real estate taxes. I currently have an active complaint against Wells Fargo - XXXX-XXXX. 
On XX/XX/XXXX, we received a packet of information from XXXX XXXX XXXX XXXX regarding our unpaid mortgage. Speaking with these individuals is like speaking to wall. 
I am frustrated beyond belief. These financial institutions are the most corrupt people I have ever encountered. 
I wish to pursue any and all avenues of recourse available to me. 
thank you.
I have been attempting to obtain a loan modification for over a year from SLS. They assumed my loan from XXXX XXXX XXXX 2 years ago. I have made several overtures to this company to secure a loan modification. In XXXX 2016 I reached out to them again requesting status request. The response was requested documents had not been received, modification had not been approved. I requested documentation be sent to me to reference to. A letter formally requesting further consideration would be required. I sent formal letter. I have since called to request documentation and customer service representative XXXX stated modification request was denied. I requested that documentation and was told SLS would not provide any further documentation and if I wished further info to go to SLS website. This is very unfair and appears to be placing obstacles in my bankruptcy consideration.
I requested validation of my debt from Ocwen Loan servicing because the what they are saying I owe Is not right. They told me that they do n't have to validate the debt. This is a violation of the FDCPA
XXXX continued to bill me erroneously for service after I physically visited them in XXXX on XX/XX/XXXX and cancelled my service and turned in my equipment. XXXX confirmed by phone finally in XX/XX/XXXX they had located paperwork indicating I had cancelled my service and should not have been billed. The paperwork was sold to collection agencies - this is # XXXX and is now being erroneously reported as a collection on my credit report. IC Systems is falsely reporting a collection for a debt I do not owe. My XXXX account was paid through XX/XX/XXXX and service was cancelled in person on XX/XX/XXXX. If anything, they owe me money. I have had over XXXX scores for over 10 years and now Equifax score is XXXX. This is simply not right and not fair. XXXX tells me this is too old to retrieve records since it 's over 2 years. The collection companies automatically think the consumer is guilty. My credit report says otherwise. I pay my bills and I pay them on time and often ahead - way ahead. I want this collection removed from my credit report and my credit score restored. I do not owe anyone anything! For XXXX years I 've had to put up with these collection agencies calling constantly and sending letters trying to collect a XXXX debt I do not owe.
There are two collection accounts from XXXX and XXXX XXXX XXXX. XXXX has confirmed my account with them is in good standing and I have never used XXXX XXXX XXXX for anything. There is also a Minnesota address on my credit report, but I have never lived there or even been there in 20 years. Neither XXXX  nor Equifax will rwmove this fraudulent information.
I returned my XXXX XXXX XXXX on XXXX XXXX, XXXX, to XXXX XXXX XXXX in XXXX XXXX, VA, upon the maturity of a lease. However, I received a bill in the amount of {$970.00} on XXXX XXXX, XXXX. The bill included a $ XXXX lease payment, {$350.00} disposition fee, despite the fact that I received a confirmation over the phone on XXXX XXXX, XXXX, that these charges will be waived after my spouse 's lease of a new XXXX. He did end up leasing the vehicle to save on charges. 
The most disappointing fact was that the bill included {$410.00} charge for a windshield chip. I do not recall the chip. When I was dropping of the vehicle, the dealer conducted the inspection and never mentioned the damage. I was told during the phone call that the third party inspection conducted on XXXX XXXX, XXXX, revealed the damage. My suspicion is that something happened to a windshield between drop off date on XXXX XXXX XXXX and XXXX XXXX XXXX. 
I tried to explain my situation to Toyota Financial Services, but no one could help. I do believe that there is a flaw in the Toyota 's system of lease returns. Consumers have to be informed by Toyota about the third party pre-inspection option. This has to be a required step during a lease return, so as a consumer, I witness the revealing of a damage. Otherwise, I am feeling that I am being billed for a damage that has been caused by someone else. Moreover, if I would have known about the damage, I could have fixed the windshield myself through my insurance for much more cheaper price. I believe that I had a coverage for windshield repair. It would cost me {$0.00}. Now, I am in the limbo of Toyota 's policies with an obligation to pay {$410.00} for something that I have not done. 

In addition, I had to call Toyota Financial Services 3-4 times to waive the charges for disposition and XXXX lease payment. I had to spend 1-2 hours each time to explain the situation and promises Toyota Financial Services have given me. Luckily, XXXX XXXX XXXX ID # XXXX had a time to discuss my situation and listen to me. We were able to agree on waiving $ XXXX XXXX lease payment, and {$350.00} disposition fee because they promised to do so if my spouse leases new vehicle. 

Despite spending hours over the phone with customer service representatives at Toyota Financial Services, no one was able to remove {$410.00} charge for a chip on a windshield. I was planning to write to Toyota 's corporate office, but came across the CFPB. I do hope that this complaint will require some policy changes at Toyota Motor Sales Matured Lease Services. 

As I mentioned before, I do hope that the pre-inspection will become mandatory prior to lease returns unless consumer waives it in written form and states that they wo n't disagree with post lease return charges on damages. I also hope that Toyota will be able to reimburse charges to consumers who truly believe/d that they were billed wrongfully. 

Thank you,
Over the last several years My phone number has been called by various collections-telemarketers as debt has been sold and resold down the line. I have repeatedly asked for my Tel. Number to be removed from the call list concerning this individual whom I do not know. ( XXXX XXXX ). The latest company to call me, after being told they have the wrong number, is continueing to call.
RCS FAILED  TO REPORT TO   XXXX   AS PROMISED IN FACT ACT )