WillisBack/dataset-financial-user-claim huggingface dataset:
Fay Servicing has taken over one year to get our mortgage dealt with that they acquired XX/XX/XXXX. This has destroyed our credit file, they are unwilling to show current status XX/XX/XXXX, or give me a quick refi due to the over 9 % ( XXXX ) we are at now. It takes weeks to get an answer, and seems this is a top down mentality to ignore clients. I deal with delays due to communication for weeks, up to a month - that is with me emailing weekly doing follow up. 

All requested paperwork from Fay was sent in XX/XX/XXXX, at once. Then we are told they did not receive parts. We find that strange because it was all sent in as one package, to say you got some parts, but not all is suspect - which meant more delays. 

Many times I asked for a stays update, always saying not the right paperwork ( company canned answer ). I can prove my paperwork was sent in, however they choose not to act, instead ignore the facts. 

Finally after 4/5 months XX/XX/XXXX they put me on a Forbearance Agreement that lasted two months, then a Trial Modification Agreement that lasted four months, then finally after a year ( XXXX 5 months wasted ) my loan was modified to be current only - no mention of a better rate. In the meantime our credit file has felt these timely delays on the part of Fay Servicing only to result in a declined score. One would think that this is done by design to trap people in high rates and bleed them as long as possible, due to the unwillingness to work with their client. A simple XXXX search told me a lot.
On XXXX XXXX I applied for a NEW Blue Cash Preferred account using a promotion that XXXX offered. I received an email from American Express confirming receipt of application and then spoke to a representative. She assured me that although I had a Blue Cash Everyday, since I never had a PREFERRED account I am eligible and will receive these incentives ( a ) no {$95.00} fee the first year ( b ) {$200.00} after spending {$1000.00}. 
I have many other XXXX credit cards and had I not been assured of this I would not have opened this account.Nevertheless, I was charged the {$95.00} fee and see no evidence of the {$200.00} bonus. 
I spoke to a representative today who claims that I am not entitled to these. 
Please help. Thank you.
This complaint is in response to the company 's previous misinformation and answer to my complaint # XXXX. UNIFUND misrepresented that the judgment they owned was active. IT WAS a DORMANT JUDGMENT and they misrepresented that and sold it to XXXX XXXX  XXXX   XXXX. 
l. Unifund attempted to collection on a dormant judgment. The writ was returned to them from the constable as not identifying any non exempt property. However, the writ was also issued outside the 10 year time frame allowed for tolling. Unifund has attempted to claim that the writ was issued before the 10 year time frame by using a bogus preparation of writ date. Texas Law clearly rules that mere preparation of a writ does not constitute issuance. The writ is NOT legally issued until it is date stamped and signed for by the constable/sheriff. THE judgment became dormant prior to the XX/XX/XXXX date that the constable signed the writ. 
2. Unifund sold this judgment on XX/XX/XXXX to XXXX XXXX XXXX XXXX and claimed that the judgment was ACTIVE!!!!! They misrepresented the facts and received money or benefits as a result of it and by warranting that the judgment was not dormant. 
3. In fact they continued to claim that the judgment was active into the complaint cited above. I am attaching the course taught at the Texas State Bar for accreditation and specialization for consumer collections. Page 5 and 6, IIIA.c. ( l ) states that : The law requires that when an execution has been placed in the hands of a sheriff, he shall note upon it the hour and the day received, and shall, within the time prescribed by the execution, make due return of what he has done, in compliance with the requirements of the writ.... In order to be a compliance with the statute the writ must be placed in the hands of the officer whose duty it is to execute it ; and until this is done there has been no sufficient compliance with the law 4. Additionally, once the judgment becomes dormant the following applies : If a writ of execution is not issued within 10 years after the rendition of a judgment of a court of record or a justice court, the judgment is dormant and execution may not be issued on the judgment unless it is revived. 

5. UNIFUND and XXXX XXXX XXXX XXXX are in the debt collection business and have an obligation to be mindful of the laws. They have purposefully breeched the fair debt collections laws and misrepresented the facts and they continue to do so even today in fraudulently citing rules on the lawful tolling rules for maintaining an active judgment. THEY DID NOT act within the legal perimeters of the laws and misrepresented those facts.
XXXX has failed to process the amount written off between them and my health insurance company so trying to collect the amount.
Experian advertises that credit check total is accurate. However, it does not have accurate information as by credit check total I do n't have any account from XXXX XXXX and by experian it is. fraud fraud fraud!
I applied for loan forgiveness in XXXX of 2018. I never heard anything back. That is, until today when I emailed them and was told my teacher loan application was denied because I filled out section 3. I checked the correct box and nowhere on the form does it say " Do not fill this out unless previous loan forgiveness obtained. '' The email said nothing about a next step. Just " Please let us know if you have any questions ''. Are you joking me? Now I have to wait another 3-5 business days to hear back about what I need to do to fix a problem that shouldn't exist. After it is fixed I'm going to have to contact Edfinancial every week to make sure my application gets accepted. This is absurd. I'm paying interest on a loan that should have already been forgiven and the company the government chose for my student loans won't even contact me when my application is denied or approved. They certainly know how to milk every last bit of interest.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX NWIDE RECVRY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because  the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious NWIDE RECVRY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I applied for business finance with a company for a {$30000.00} loan. They applied to multiple other companies without my consent and 11 inquiries were placed on my credit report. I communicated with the companies in question and requested a letter of deletion and receieved nothing. I also called the consumer services of the credit bureaus and I was told that the inquiries were matter of fact and that anyone with a reason can check my credit even if I have a standing security freeze on my reports. the following inquiries are listed below : XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/
I am submitting this claim because I was implicated in the XXXX  2017 data breach at Equifax. It is extremely disconcerting that this company lost the most sensitive type of data that is possible to lose. This is particularly egregious because Equifax runs a service that is *required* to operate in the modern world and economy. For example - a credit score and report is required for every apartment rental I 've ever applied to. This means that it was n't truly an option to become a part of the Equifax database which has now been compromised.
To date, I have no knowledge of any personal identity theft or financial harm as a result of this breach. I simply want to have this event on the record, should I suffer any financial hardship down the line from this event.
In XXXX XXXX, I discovered during a telephone conversation that my mortgage had been acquired by Carrington Mortgage Services. This allegedly occurred in XXXX, but I was never notified. ( I did receive a couple of voicemail messages during that time, but I assumed it was a solicitation to refinance my mortgage because I had received calls from other companies for this purpose. ) During my initial phone conversation, I requested written verification via email of Carrington being the new mortgage servicer. This request was refused. When I asked to speak with another representative, I was told that my call could not be transferred and that I would have to call back. During my second telephone conversation with Carrington, I again requested information in writing via email or fax so I could confidently submit payment to the appropriate company. Again I was told this was n't possible, but was promised a request for this information would be submitted to that department. I was told this would be mailed to me within 7-10 business days. The representative indicated he could take a payment over the phone. When I told him I was uncomfortable doing that, he encouraged me to register on Carrington 's website. I did this, but the website did not allow me to access any information about my loan, nor would it allow me to make a payment. It showed my name and a loan number. On XXXX XXXX, XXXX, I contacted Carrington again to tell them I still had not received a statement or confirmation regarding the sale of my mortgage. Again, I requested something in writing via email or fax. I indicated that I would submit any payment due as soon as I received confirmation. I was yelled at by the employee and told that I did n't need to be worried about receiving anything in writing because my loan was in preforeclosure. I immediately asked to speak with someone else and was disconnected. I tried nine more times to call Carrington that day. Each time I entered in my account number, the call was immediately disconnected. When I finally got through to someone again, I was told that my loan was not in preforeclosure, as had been stated by the previous representative. This was obviously a falsehood and a scare tactic. She told me that she would send me information by email within 72 hours. She also indicated that payment could now only be made through certified funds via XXXX XXXX. When I asked for a more secure transfer ( bank to bank ), she provided me wiring information to XXXX. I have now received an email statement from Carrington, but still nothing in writing regarding the acquisition date, etc. Prior to this loan being acquired by Carrington, I was never even a day late on my mortgage payment. Payments were automatically drafted from my bank account. When I inquired about initiating this process with Carrington, I was told that it would be available only after the loan was brought current and remained current for a six month period!
This is about a gift card. 
The cfpd site says they should be good for 5 years?? 
Had this card for not even close to a year. It expired on XXXX. I called CITI on XXXX/XXXX/16 and they pretty much said, tough luck it is no good. 
Its not that is much $ , but the gift card was only some months old.
While I was traveling my Debit card was fraudulently used for online purchases to XXXX and XXXX. 
I was able to obtain demographic & personal identification information about the person ( s ) who fraudulently used my card. 

I want to make official report.
Date XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date XX/XX/XXXXXXXX XXXX, MD XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I went online and requested a call back from a car salesman. He then called me back asked me if it was okay to do a " SOFT '' credit check to see what I may be looking at when I do apply for a new car. Before I know it the sales person ran my credit with all these different banks without my consent and he never called me back with any information.
XX/XX/2016, I paid off an old XXXX bill. Since that time, XXXX XXXX has placed an erroneous charge on my credit report. I have disputed this many times to no avail.
I purchased a home XX/XX/XXXX with Wells Fargo, in XX/XX/XXXX I was behind in my payments for maybe 5 to 6 months at the most. Instead of losing my house I went to Wells Fargo for some help and was told they were going to put the pass due that I was behind at the back of my loan. Just recently I decided to sell my house and move to another location due to a very good career change. To my surprise when the title company pulled the title to my property there was an additional loan from HUD for {$34000.00}, that I had no clue was a part of my mortgage. So to find out, the help they gave was modification of my loan and extended it out for another 26 years. Also, all of my principle that I paid prior to my loan modification it seems to be missing. I requested a payment history from Wells Fargo about 2 weeks ago for my payment history from XX/XX/XXXX - XX/XX/XXXX and yet to have received the requested documents. I've been in my house for a total of 9 close to 10 years and Wells Fargo is stating I've only paid {$9000.00} total to them. I would like to know where all of the money I've paid for mortgage over the last 9 years has gone. Please advise me what steps I should take to get the needed documentation for auditing purposes. A representative from Wells Fargo stated they are revieiwing my case due to a red flag they found, but I have just to get any resolution.
My address with equifax along with the other credit bureaus was updated in fact my address was updated on XX/XX/2017 and all fraudulent addresses was deleted. I currently monitor my credit very closely due to being a victim of identity theft so I got a alert this morning stating my current address was deleted and the fraudulent address was add back on I contacted the company and was on the phone for 2 plus hours with no result they said my current address was never on there they never changed it and I did n't send in the documents to have it changed which I did I am enclosing picture proof they will not change my address back to my current address and remove the fraudulent address my current address is XXXX XXXX ca XXXX I also am sending the info I sent them when they updated my address on XX/XX/XXXX
I was asked to not be contacted 3 times by a certain debt collector, and continue to receive letters that are inaccurate and should be consider harassment. They need to be investigated for not operating ethically or legally.
transunions total dud false advertsing on their page XXXX XXXX XXXX as just visa deceptive practice have them remove it from their company site
Hello I like to file a complaint about Discover Card. 

I received a letter from discover card saying Im pre-approved for a personal loan for {$28000.00}. Next day I called Discover Card and they asked me what the money is for I advised them I was trying to pay off my other high interest credit cards and just have 1 payment every month. They asked me how much I owe I said {$25000.00} then they asked how much I make and I told them {$50000.00} and they said anyone in the house hold I said yes my husband and they asked how much does he make I said {$120000.00} they said I am approved. Then they asked me to send them pay stubs I did. My husband pay stub was showing {$93000.00} but then I called them and said no his XXXX shows {$100000.00} because he gets bonus every year and its {$100000.00} they asked me to send his XXXX so I did, I got a phone call 2 days after that they said sorry you dont qualified. My issue is I didnt want and hard pull on my credit and the agent insured me that its not a hard pull until the loan is approved so here I am with no loan to pay off my other credit card and I have an extra inquiry on my credit report. I asked them to give me a smaller loan they said they are sorry and they cant help me. 


Thank you XXXX XXXX
I for one never recieved a bill on this debt and for two i called the hospital where the debt is from and they said they dont have any outstanding bill for me because i never even went to the er at or around this time.
XX/XX/2011 {$1500.00} I paid off this credit card late cause I went through some financial hardships when I was younger and I really wasn't too familiar with late payments and I really got backed up. I want to see if possible I cant get the account sponged out from bad credit I would really appreciate it. 


thanks
My wife and are both in repayment for our student loans. I am having problems with my loan servicer. My loan servicer is Navient. I have been trying to pay extra toward the balance of my loans, but I have had a problem getting Navient to apply these extra payments correctly. I would like these extra payments applied to the principle of the loan and not the interest, just like how my wife does with her loan servicer when she makes an extra payment. Navient claims that there is no way that this can be done. It is frustrating that I know it can, and I do in fact apply extra payments in this way with another loan servicer. I have contact Navient on several occasions to try and resolve this issue, however no resolution has been made.
I initially had a {$100.00} starting balance and then got a credit increase to {$600.00}. On XX/XX/18 I had a balance of only {$15.00} and I paid the balance off and they closed my account after.
Portfolio Recovery Associates have been reporting a {$610.00} collection account on my credit report. I have never had any business with Portfolio Recover Associates. I realize this is a debt collection company. As such, numerous times I have requested validation of this debt. I have been told that they are not required to provide debt validation. I have disputed this transaction several times on my credit report through XXXX. XXXX has not been helpful in having this item removed from my credit. I have sent them verification of a certified letter I sent Portfolio Recovery Associates requesting validation of the debt, or to have it removed from my report. Yet I 've received no response from Portfolio Recovery Associates. I believe at this time that this should be removed from my credit report as they have frequently broken the rules of FDCPA by refusing to send me any verification that this debt is valid and that they own this debt. I have no direct contract with Portfolio Recovery Associates.
Date of loss : XXXX/XXXX/XXXX Total Damages : {$3200.00} On XXXX XXXX XXXX I was driving on a freeway name XXXX XXXX or XXXX East bound I aproached the intersection of XXXX and XXXX and stoped at a red light. I was in the second line wich was a either or opcion to continue straight or make a legal right hand turn. So when I had a green light to continue I began to make a right hand turn, as I was turning I saw a car go by me but by the time I stopped I felt that the car had swiped the right hand side of the service vehicle that I was driving. It was a individual that was not suppose to continue straight, because that was a right hand turn XXXX XXXX. When police arrived no parties were cited due to the lack of witnesses, the person that caused the accident is a customer of XXXX XXXX. This is the second time that they are making an illegal attempt to collect the amount shown above. There is no judgement from any court that make this legal of makes me liable for the damages. This company XXXX XXXX Department located at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX Phone ( XXXX XXXX XXXX Fax XXXX XXXX XXXX They are making treats of having my license suspended and garnishing from my bank account. I made contact with them and explained the details of the accident in wich I was involved and they refuse to acknowledge the fact that XXXX XXXX XXXX was the person who caused the accident.