WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Seterus regarding a hardship situation dealing with family medical issues, which was impacting my financials. 
The person I spoke to XXXX XXXX, was very understanding and implored the help of her manager XXXX XXXX. in the matter. 
They offered me an extension, and made payment arrangements by pushing out the due dates. However, I needed to give them pre-dated checks for payments. ( I have confirmation numbers for each one ). 
I was given reassurance that I would not be in delinquency or default status. 
Subsequently, one month later, I began receiving phone calls from another one of Seterus representatives, telling me my loan was in delinquency. I asked them to read the notes and agreement made with XXXX & XXXX. 
I then began receiving US postal letters and notices of default. I contacted Seterus via phone today and asked to speak to XXXX & XXXX. I was told by the representative that she could not transfer me. The representative informed me I had to work with her. 
I then asked to speak to a manager or supervisor. Again, I was not given the courtesy of my request. I have been dealing with Seterus for 2 years and have nothing good to say about their customer services or accounting practices.
On the morning of XXXX XXXX, i viewed my account aswell as took a screen shot, and it showed that my mortgage had posted. This left me with a positive balance of {$57.00}. I have provided this screen shot as an attachment and it can be seen that at this time items were pending, but had not yet posted. Two days later, the bank alterted the bank activity shown, and placed those same pending items ahead of my mortgage payment causing the account to go negative. The bank uses this tactic to obtain a fee because my mortgage payment is a preautherized debit. I am oppted out of " overdraft protection '', so the only way my account can incure a fee is through checks and preauthorized debits. The bank has made it common practice to alter the order in which items are processed in attempts to gain an account fee. I called the customer service line for citizens bank, and spoke with XXXX. XXXX would not except my screen shot of the true bank activity, and transfered me to a " specialist ''. XXXX, the specialist, also refused to except my proof. Her explaination is that the pending purchases were, " live swipes '', and go through immediately before any other transactions. I find this untrue because they were in a " pending '' status on XXXX. On other occasions i have been told that pending items are dependant on the merchant, and how quickly they notify the bank of the purchase. I have also been told by XXXX that larger amounts, such as my {$940.00} mortgage payment, go through first. She then retracted her statement during the call because i had informed her that the pending items were small purchases. My conversation with these individuals was recorded by citizens bank. XXXX put me on a long hold to speak with her manager, and when she returned she stated that my case was forwarded to the chairmen. She then stated i would hear a reply in 3-5 business days.
I currently have a billing dispute regarding my XXXX credit card ending in account number XXXX. While the dispute is under investigation, the bank reported my account negatively to the credit reporting agencies. Can it do this? No. Generally, if you have filed a proper billing error dispute, the bank shall not make ( or threaten to make ) an adverse report to any person about your credit standing. The bank also should not report that an amount or account is delinquent because you failed to pay the disputed amount -- or related finance or other charges -- while the investigation proceeds. Banks are required to have reasonable procedures in place to make sure that periodic statements are mailed or delivered at least 21 days before any grace period ends. Further, for credit card accounts only, banks are similarly required to have reasonable procedure in place to make sure that periodic statements are mailed or delivered at least 21 days before the payment due date shown on the statement. The problem here is I never received a statement from XXXX to make a payment on time and therefore they placed a 30 day late on my credit reports which when disputed should not be allowed, see below. 

A credit card issuer may not treat a required minimum payment as late for any purpose if the minimum payment is received by the card issuer within 21 days after mailing or delivering the credit card statement disclosing the due date for that payment. This means that, if your minimum payment is received by the card issuer within 21 days after the statement is mailed or delivered, the card issuer can not increase the APR as a penalty, report you as delinquent to a credit reporting agency, assess a late fee, terminate benefits ( such as rewards on purchases ), or initiate collection activities.
Our house experienced flooding from Hurricane Harvey on XXXX/XXXX/XXXX. We obtained our insurance proceeds from the XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$250000.00} based on the estimate of flood damages. The check was made payable to us and the mortgage servicer, Huntington National Bank. We understand that the Mortgagor, XXXX XXXX wants people to repair their homes and not walk away from the flood damaged homes by allowing the homes to go back to the Mortgagor, XXXX XXXX via the foreclosure process. However we did not expect the mortgage servicer, Huntington National Bank to  hold funds and make it difficult to get inspections on the status of the home so that funds can be released to the builder who is putting the home back in its original condition. We have filed several complaints including one open complaint with XXXX XXXX Case # XXXX regarding the issue of Huntington National Bank not setting up inspections timely and allowing the builder to go unpaid. How bad is it? I have spoken to Huntington National Bank on  several occasions including XXXX XXXX in their property damage department to try and schedule timely inspections. Now I have been assigned to one of Hunting National Banks corporate officers, XXXX XXXX ( XXXX XXXX XXXX to specifically address the situation based on complaints filed. I have informed XXXX the house would be complete by XXXX/XXXX/XXXX and we needed to have weekly inspections so we could have the builder paid to avoid the filing of a lien and the work being stopped for lack of payment. Luckily the builder was convinced he would be paid so he has continued working. However the home is complete and we only have approximately XXXX of the XXXX in insurance proceeds that is due to us and the builder for re-construction. This is not how the process is supposed to work. We can not be that far off the inspection process to assume the home is only 50 % complete when in fact it is now finished. I feel like this is gross negligence by the service provider on the handling of the fiduciary funds held in escrow. We are now in the process of hiring an attorney to sue the mortgage service provider, Huntington National Bank for breach of fiduciary duty. This is completely uncalled for and not what the intent of the avoidance of the foreclosure process was intended for. We have suffered undue anguish from having to worry about whether the builder was going to complete the home since he has not be paid for the work timely and how we would come up with additional funds.
I have a Fraudulent Old Navy account on my credit bureues I have called Sychrony Bank the holder of this account and spoke with there XXXX department, I was told they have closed the application and will send notice to the bureaus for deletion of the trade line, However I later discovered that they did not send over any information to the credit bureau, and the bureaus are reporting me as late and derogatory, Because of this I have lost over a XXXX points from my XXXX scores, I also reported this fraudulent activity to the local police, XXXX, XXXX district attorney, and FTC. I want this fraudulent account removed from my credit profile effective immediately
XXXX  has account number XXXX with XXXX/XXXX listed on my credit as a negative on my credit report. They transferred it to another lender and I paid off the debt since. Request to remove this negative mark on my report please!
This card is like the other. It was set up without my consent. My wife even made payments without knowing. 

CAPITAL ONE, N.A. #  XXXX     XXXX   XXXX   XXXX       XXXX   XXXX   XXXX  , UT  XXXX 
  XXXX   XXXX  
Date Opened  XXXX   XXXX  
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Date Updated:  XX/XX/XXXX 
Last Payment Made:  XX/XX/XXXX 
Original ChargeOff:   XXXX   Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:  XX/XX/XXXX 
>Maximum Delinquency of 120 days in  XX/XX/XXXX  and in
 XX/XX/XXXX <
High Balance: High balance of   XXXX   from  XX/XX/XXXX  to  XX/XX/XXXX ;   XXXX   from   XXXX   to   XXXX  
Credit Limit: Credit limit of  XXXX  from   XXXX   to  XX/XX/XXXX ;   XXXX   from   XXXX   to  XX/XX/XXXX 
Estimated month and year that this item will be removed:   XXXX  
 XX/XX/XXXX    XXXX    XX/XX/XXXX   XX/XX/XXXX  1
I keep getting phone calls from the phone number of ( XXXX ) XXXX. When I get the chance to pick up the phone, prior to them hanging up within the first 1 or 2 rings, THERE IS NEVER ANYONE THERE. I have checked this number out on-line, and get everything from unknown to debit collections. I have been warned by others that to call them back would establish proof that I had prior business with them, which would void my " Do Not Call '' listings with the FCC, or that they will benefit form this somehow, with such tactics. They have called at least Twice this week, I can not tell if it is a Robo Call or not since there is never anyone on the line, but over this year, it has proven to be aggravating.
I have tried to get a loan modification from Bank of America since XX/XX/XXXX. I have submitted all documents for a complete loan modification packet. I was always working with them and always tried my best to give them everything they needed. They now have a complete packet but I still have a sale on my property tomorrow XXXX. I 'm worried that Bank of America will not cancel my sale on my property. I have a feeling they playing game with me saying they did not have the documents but they indeed did have them, they said they just overlooked them that 's all which now has prolonged the loan modification review for couple of days more. I do n't know what to do at this time but my worries are still very high. I know they will be in violation of the XXXX Bill of Rights Act if they do proceed with the sale tomorrow. 
Also how much longer will I have to worry and play their games to get the loan modification? I believe they are prolonging the process so that the interest and nonpayment of mortgage loan and fees will grow add up to the point where I would not be able to do anything and will owe more money.
Navient-private loan ... My life was on the incline when i had all loans under XXXX XXXX. Now that Navient took over they are trying to make me suffer. Reason i state this is ( XXXX ) checks # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, and XXXX. All check been cash from XXXX DE with any problems on my end. It would help ample if XXXX person would stop and see on XXXX XXXX, 2015 Account # XXXX needs a repayment plan option available ; ' which states i talking to someone else other then XXXX XXXX again. Recovery XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX. This is the head line punch Navient send me a refund check with a check number XXXX. Attach a letter saying " we 'd like to thank you for your business with Nalvient, formerly XXXX XXXX. During a recent review it was identified that our practice of charging a minimum late fee, as well as our student loan billing statement disclosures relating to when late fees would be charged.. It seem to me and i NOT the one to judge but ... NAVIENT is all over the place. Then, second ( 2 ) XXXX XXXX, 2015 another letters " Your Delinquency May be Reported to the Consumer Reporting Agencies '' wait no one talks in there office. I guess no one send each other emails anymore or they are took busy on the net buying clothes and shoes. " Your payment for XXXX of the Navient education loans referenced at the end of this letter continues to be delinquent, and we urge XXXX to make XXXX missed payments today. ( AGAIN ) Please make a payment for the amount that is past due for your loan, to bring XXXX account current. '' Let 's back up XXXX bit how many piece of paper are the wasting to send me all these letters. NAVIENT let 's get this big company in order. Continue, ( third ) Unless XXXX pay, your delinquency may be reported to the consumer reporting agencies, which may or already did impact XXXX credit history and potentially make it difficult for everyone. '' This is what I don t understand about NAVIENT ... no way in any these letters say anything about a DOWN PAYMENT # XXXX. Fourth, ( 4 ) " we understand that unexpected circumstances can cause financial difficulty. if XXXX having trouble making XXXX monthly payment, please call us at ... We 're here to help if XXXX '' HELP what if XXXX telling me to do something and i been doing it way XXXX XXXX set me up to do. NAVIENT saying i am doing everything wrong, NAVIENT help me some I can help you by talking GOOD about your company. THEEND
Results of the reinvestigation. The accounts XXXX, /XXXX, /XXXX  are currently not reporting. See attachment. I now have received a new bill from a new debt collector ERC and new account # XXXX for the same amount {$140.00} I do not owe. Dated more recently XX/XX/XXXX ... but, reported back in XX/XX/XXXX. That according to the recent investigation no longer exists.
Citizens Bank charged me an overdraft fee of {$35.00} even though I never overdrew my account. First the supervisor said a cash deposit I made was a check. Then she looked further and realized it was cash. Then she said I would have overdrawn my account if I had not made the deposit and therefore I was charged an over draft fee. I did n't overdraw my account and should not be charged an overdraft fee.
Atlantic Credit &amp; Finance has be en calling my employer in an attempt to collect a debt. When I spoke with them and informed them that this was not an appropriate number to call. I asked what company they were calling from and a phone number so I can call them back on a private line. They refused to answer and give me any information. After about  5-10  minutes of the man aggressively talking over me, interrupting me and threatening legal action, he told me the company name,  Atlantic Credit &amp; Finance,  but the man on the phone would not give me his name or a phone number. I had mailed a letter requesting verification a few weeks ago and had n't received anything back. In the letter I specifically requested that all communication be done through mail.
I foolishly cosigned with my ex for a car ( we both signed papers ) and we both paid on the car ( he got SSI and I work ). About 6 months or so later we agreed to split up and he was going to take the car and continue payments on it ( this was agreed upon as he had more money than I doid ). Fast forward to now, almost 5 years later to my surprise my employer is now having to garnish my wages because Lobel took me to court without my knowledge and sued and is now attempting to garnish my wages for 25 %. Now I would full heartedly own up to this debt BUT These are my reasons as to why what happened is not right. 

1. I NEVER received any type of notice saying the car had been repo 'd, sold, or that I was being taken to court or had ever been served. 

2. I was NEVER served any type of court paper work. 

3. When asking Lobel how can my wages be garnished when I was n't even aware the car was no longer in this other persons possession I was told supposedly I was served at my address. The description? A XXXX lady with XXXX hair, age XXXX named XXXX XX/XX/2014. Issue is? No one by that name has EVER lived there and I have lived there my whole life with my parents, it has always been my mailing address as well. No woman besides myself and my XXXX yr old mom have ever lived at that house and not even my mom was there as she had already moved. 

4. Funny part about this person that was supposedly served? Her last name is " XXXX '' meaning she ca n't be traced to say that I was served or the papers had been given to me. I myself have XXXX hair, have XXXX eyes and am not XXXX as described but XXXX. None of that was ever described. The server fraudently said this person was served these papers so they could get paid. 

5. This company has been known to involve themselves in shady practices as many lawsuits have shown as well as other customer complaints. 

6. There is a long history of them violating the fair dept collection act and I believe my " case '' would fall under that as well. 

7. When I called lobel to see what was going on They acted shocked when I gave them my address. Why? They had a completely different address on file. Upon looking further into the notes, it seems the other person on the account continuously would change the address so I would never be alerted as to what was going on. When I told lobel that did n't seem strange to them and that would make sense as to why I never received anything, I was called a liar. 

This is fraud and I need help because this is n't fair and I feel like I have been swindled! 

I would like for them to drop the case as it was filed fraudulently since I was never notified of repo, of the sale. I was never notified of being sued, I was never served but out of thin air all of the sudden my paychecks are about to be garnished. I was never served and no one at my residence was ever served or given ANY knowledge of this situation/action. My rights seem to have gone right out the door. I was never given the chance to make this right as I was under the impression the car was still being paid on. This is what I was told by the other owner and since I never got paperwork I did n't assume otherwise.
sent police report still XXXX XXXX not taking off cra not mine violation of my rights
I was notified of the a XXXX rewards card opened in my name on XXXX XXXX, 2017, via a letter in the mail. I did not apply for this card, and was told to contact XXXX. I did on XXXX/XXXX/17 and received file # XXXX. 

Then I was notified a few days later of a car - purchased in my name in XXXX XXXX, CA. I am a Massachusetts resident. I placed a fraud alert on my credit on this day. ) XXXX/XXXX/17. Since then I was contacted by XXXX XXXX - a fraud investigator for XXXX XXXX. He told me that there are at least XXXX inquiries open on my credit since XXXX XXXX 2017. Including personal loans, and a XXXX card with {$3500.00} credit limit. 

I have requested a copy of my credit report - XXXX. Which should be mailed to me in the next 7-10 business days. 

I have opened a police report with the local authorities. 

Are there additional steps that I can take? 

Thank you.
I opened a savings account on XXXX XXXX with Synchrony Bank. My first statement, covering the period through XXXX XXXX, reported an average daily balance and an earned interest that were substantially lower than my calculation. I called the bank three times to inquire about this. Each time, representatives quoted the same method for calculating the average daily balance as I had been using ( " add each day 's balance and divide by the number of days in the statement period '' ), but were unable to address or account for the numerical discrepancy. On each of the three phone calls, the representative assured me that a person able to address my concern would call me back in the next 3-5 business days. No one ever called me back. 
There were no discrepancies in the calculation of the average daily balance or earned interest for the following statement period.
I disputed an error on my credit report previously. It was fixed at that time. Now Experian has again messed with that same account and has this old, closed, satisfied account marked as LATE as recently as XXXX/XXXX/XXXX!!! The balance of this account has been XXXX since XXXX XXXX. It now shows a balance of {$4500.00}. 

I tried to dispute the error with this account AGAIN and I am told that I can not dispute it because it has previously been disputed. I called customer service and the employee became HOSTILE towards me. 

This account is WRONG. it is not late. It was satisfied and closed in XXXX of XXXX. I want the account removed immediately and permanently. Even if it were to be fixed AGAIN, I no longer trust Experian to not change it back. 

Remove XXXX XXXX " installment loan '' XXXX opened XXXX/XXXX/XXXX original amount {$6000.00} immediately and permanently from my report. I have proof that I have previously disputed this SAME account. I will be reporting every error from now on. I am sick of this. XXXX and XXXX have it right. EXPERIAN IS TRASH.
I have sent them letters to both the credit bureaus and the collection agency trying to collect on the debt letting them know that the amount that the original creditor is claiming is incorrect due to the fact that the damages they are claiming that I owe were caused by Hurricane Isaac in 2012.

The damages that they are claiming that I owe were caused by Hurricane Isaac and that amount should be paid by the owner of the property or they should of filed a claim with their insurance company not try to get me to pay for damages that were caused by a natural disaster.
EXPERIAN CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY EXPERIAN CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH XXXX XXXX XXXX   XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR  FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type - Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit {$20000.00} Monthly Payment - Past Due Amount {$0.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber
I received a letter from Wells Fargo indicating that they failed to update my credit report following a 2014 Loan Modification. Im concerned that I may have suffered paying higher interest rates for purchases ie. two cars since then based on this information. Have you seen this happening to other WF customers?