WillisBack/dataset-financial-user-claim huggingface dataset:
Fedloan Servicing ( FLS ) converted {$15000.00} plus interest into unsubsidized student loans in XXXX XXXX. FLS said they were missing a copy of my annual certification form so they withdrew my XXXX grants, converting the grant money to loans. On XXXX XXXX, XXXX, my school principal signed the form certifying my first completed year of teaching service and I mailed it in, but FLS claims they never received it. When I learned they did not receive the form, I re-submitted a copy of it on XXXX XXXX, XXXX and they rejected it. They refuse to convert these loans back to my {$15000.00} grant. 
Upon earning my XXXX in XXXX XXXX, I self-certified my intent to XXXX with FLS within the initial 120 day certification deadline according to my Agreement to Serve ( ATS ). FLS confirmed my intent to XXXX on XXXX XXXX, XXXX. At that time, unknown to me, FLS fashioned an XXXX XXXX, XXXX deadline for documenting my upcoming full year of XXXX. Even though I could not possibly complete my first full year XXXX and have it certified for at least 9 more months, FLS nonetheless started the annual clock running in XXXX, XXXX. They ran the clock out on XXXX XXXX, XXXX. 
FLS erroneously set my annual certification due date based on the anniversary of my initial 120 day self-certification period rather than on the anniversary of my completed year XXXX. According to Section XXXX of my ATS, my annual certification period starts in XXXX XXXX and the clock runs through XXXX XXXX. It states : Annual Certification : Every year, after I have completed each XXXX of my four required school years of XXXX ( as described in Item XXXX of this section ), I must provide my XXXX Grant servicer with documentation of that service on a form that will be available from my XXXX Grant servicer. In my case, I completed my first full school year XXXX in XXXX XXXX and I have until the end of the XXXX XXXX school year to annually certify it. FLS has denied me a full opportunity to comply by my actual XXXX XXXX deadline as defined by my ATS. 
Converting my {$15000.00} XXXX grants to unsubsidized loans is a punitive measure even had I missed the deadline to annually certify my completed year XXXX. Such a severe consequence is reserved for much more severe circumstances. For example, FLS may convert the grant if I failed to graduate ; OR, if I do not complete the required four years of XXXX within 8 years ; OR, if I do not complete a full year XXXX and then do not self certify my intent to fulfill my XXXX obligation. Please note that I was NOT merely self-certifying that I intended to satisfy my XXXX Grant service obligation on my Certification form. Instead, I checked Box A : I XXXX full time for XXXX as was XXXX on XXXX XXXX, XXXX. 
I completed my degree ; I completed a full-time job ; I sent in the form. I was not at risk of losing my XXXX Grant eligibility until FLS invented artificial deadlines and unreasonable conditions for converting my {$15000.00} grant ( plus interest ) to loans. I realize FLS needs to monitor the XXXX grants, but such a punitive result is beyond reason. Thank you for your consideration.
Transunion   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  listed my credit report adverse for  XXXX   XXXX   XXXX   XXXX   #   XXXX    XXXX  (   XXXX   XXXX     XXXX   XXXX  WA  XXXX   , (   XXXX  )  XXXX  )   XXXX   XXXX   XXXX   my account was settled. Transunion received copy for settlement letter about that time. As the debt was settled the adverse account could be removed from the report. I have applied for credit with   XXXX   XXXX    XXXX  and  XXXX   XXXX  after  XXXX   XXXX ,  XXXX  they reported my  credit score   XXXX , no adverse accounts score are  XXXX . The act is unlawful. Fax for above mention will follow.
I was a co signer on a Student loan with my nephew from XXXX XXXX, they sent the loan to Navient to collect because my nephew missed payments. They have never made any attempt to call him for payment. I gave them his name and address and number with no result, they continue calling me. Then my father paid ( XXXX XXXX ) the loan off and they are still calling and sending me bills, not from XXXX XXXX but from Navient. They have ruined my credit falsely.
I have been a regular payer of mortgage from mortgage inception to-date. However Seterus Inc ; are wrongfully flauting FCC rules and have wrongly reported over phone to credit monitoring bureaus saying that I am a defaulter.

I have provided proof of my payments, however XXXX  ( credit reporting agency ) says the lender is authorized to say verbally without providing any proof of default or delay about anyone 's payment history to spoil his/her credit.

I wrote many times to mortgage service provider - Seterus Inc ; to provide proof of default and/or delay in my payments. Every time Seterus Inc ; respond to my inquiry about proof of default and/or delay by providing their manipulated accounting records and not any documentary proof of my delay and/or default.
Agency reporting chapter XXXX bankruptcy and bankruptcy dismissed. 
However US bankruptcy courts does not release information to third parties. Based on this information must be deleted from my report.
To whom it may concern : Can ANYONE help? I have fulfilled all requirements re Claim # XXXX dd XXXX Green Tree Loan Servicing, & I am being told that I MUST wait until further investigations are complete before the check which was issued by XXXX XXXX can be released to me for completion of repairs to the home I live in. 
I have an XXXX 15 year old daughter who is suffering in this HEAT WAVE -- -along with XXXX cats, a bird my wife and myself. 
No hotel will take us. 
My next step will be an attorney & the Media. 


XXXX XXXX
I contacted Transunion via telephone, and disclosed to representative that I was a victim of their inquiry issue.They were unable to resolve my issues.The following are inquiries appearing on my credit report, that I did not authorize. 

XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018
I made a fraudulent use of my debit card claim for {$190.00} with Bank of America on XX/XX/2018. Their claim # XXXX. I dont know how the criminal did it but he/she did not have my card. Most of the fraudulent charges were made in Michigan. The fraudulent charges are highlighted in green. I was in XXXX XXXX, Ohio from XX/XX/XXXX to XX/XX/2018 attending a XXXX XXXX college. I stayed there in a hotel for 2 weeks as the receipt shows. Receipt attached from my XXXX XXXX credit card that shows a 2 week stay at XXXX XXXX XXXX  XXXX, XXXX XXXX. You can also see from my Bank of America charges that I was in XXXX XXXX during the time of the fraudulent charges. Bank of America denied my claim.
Well the account not closed they just took XXXX out of my account on XX/XX/XXXX
I recently acquired my credit report and discovered that XXXX XXXX XXXX XXXX is reporting a collection account from XXXX and XXXX XXXX to multiple consumer credit reporting agencies. The reports indicate the accounts are from XX/XX/2014 on a card I supposedly didn't pay. I have no record of such even. I have paid all of my bills on all of my credit cards, so I do not know how this account came to be in the negative. I haven't received any information from XXXX to clear this up. I have disputed the information as inaccurate to XXXX, but was informed XXXX has verified it as accurate. When I checked my reports, however, XXXX has re-reported the information recently and is not so much as reporting it " disputed, '' which a consumer rights attorney I know told me would likely violate the Fair Debt Collection Practices Act.
My ex husband and I bought our home while we were together. His name went on the loan and both of our names went on the deed. A few years later we divorced. At that time I was working and was able to keep up with the payments for the home on my own. In our divorce settlement he relinquished his rights to the home, leaving everything up to me. At some point after that I had to quit my job due to a medical condition and have not yet been able to obtain XXXX. From this the mortgage went into default. It was somewhere around XX/XX/2016 where it came up on the 3rd month of being in default. At this point the mortgage company blocked me from being able to pay the mortgage by phone. So I called the collections lady at the housing corporation and she told me that I could not make the payment. That it was too late. I talked to her supervisor and he told me the same thing and that foreclosures take a while and we would have plenty of time to find somewhere to go. Then 3 weeks later the collection lady called me saying " where 's your payment you said you were going to make?! '' And I told her I was n't given the option! But she said it " said in her notes '' that I said I was going to make it by that time. I said NO I WAS NEVER GIVEN THE OPTION!! So my house then went into foreclosure. I have found a lawyer who had me get a quit claim deed and said that I can submit for loss mitigation. The housing company told me they were lying and that I could n't. That my ex had to do it with his information but someone who filled for it also had to be living in the home, which he obviously is n't. So they left me hopeless. My lawyer sent them my loss mitigation packet along with all other documents they would need and they have yet to put it into review! They said that the regulations from the CFPB do not pertain to them bc they are a separate entity. I was told that they will look into what they can do but they do n't think it 's going to work out. 
Also, at the beginning of this situation my ex sent authorization in writing stating that they had permission to speak to me about the loan. After the collections would n't take my payment and lied 3 weeks later I tried to call the supervisor and left messages but no one ever called me back and then the housing company said they COULDNT talk to me because they did n't have permission from my ex. So they apparently " deleted '' the written statement saying that they could. They have made it to where I can do NOTHING in regards to my home. 
They are also APPARENTLY mailing things about the loan and what not to my ex husbands new address for some reason. So when they say " well we mailed you this ... '' No you mailed it to my ex and I never got it!
This company under the Fair credit act is not authorize to report on my credit. I do not have a contract nor a agreement with XXXX XXXX XXXX.
We had a pick a pay mortgage with XXXX XXXX that was sold to Weikovia ( both who are out of business due to these illegal loans ) who sold to Wells Fargo. The rate went up and up and forced us into a bad financial position just trying to pay them monthly to the point we could n't. My husband was ill and no forbearance was given- we went to modify and they kept saying it looked good- to the point they denied us XXXX times - we increased business, added daughters income, rental income sent XXXX pages each time to get them all the documents- always denied. Even though these were illegal mortgages and they received government monies to work with folks like us. They did a modification that really gave us no financial relief in 2009 so this is how they have a loophole to not reduce principal or change the mortgage to a realistic amount and fixed rate. The lawyers made huge money and Wells Fargo bottom line is fine but we Americans are being put out of our homes due to this illegal scam. We even went Chapter XXXX to regroup but had to dismiss it as the payment kept going up and up. We need real financial relief. Have our home up for short sale and when that or foreclosure happens they are better off and we have nothing. We have paid for this home for 33 years. THIS IS SHAMEFUL and the judgements against them are not being used to correctly help many homeowners.
My Teach Grant was converted to a loan. I called XXXX XXXX XXXX to make this situation right as I have been working in a low income public school for 2 years and they told me I didn't re-certify in time. I never received an email from them. They told me it's my job to check their email frequently for notifications. I'm still working in the same school teaching low income schools, so I am continuing to fulfill my end of the agreement. 

Secondly, my Public Service Loan Forgiveness keeps getting denied for things like : -the start and end date were on the same line -all pages need to be uploaded again even if you have already submitted a cover page in a previous upload
On XX/XX/XXXX I sent certified mail XXXX to LexisNexis Consumer Center it was received on XX/XX/2018. Below is a copy of what I sent, LexisNexis has failed to respond or comply. 
To Whom It May Concern : Be advised this is a notice to inform that your public records information is disputed based upon inaccurate information, and validation is requested. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) ( i ) ( ii ), Responsibilities of furnishers of information to consumer reporting agencies. I have the right to request validation of the public records information. I am requesting proof that I am indeed the party listed in public records. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 U.S. Code 1681i, ( a ) ( 1 ) ( A ), Procedure in case of disputed accuracy. And the FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) I respectfully request that your offices provide me with competent evidence that public records information is accurate.

Pursuant to the FCRA, Section 611, Paragraph ( 6 ) ( B ) ( iii ), Please provide the following : The name of the courthouse The address of the courthouse The person 's name the dispute was verified with at the courthouse The person 's telephone number the dispute was verified with at the courthouse The documentation used to verify the dispute with  the court The case or reference number The date this dispute was originally validated and verified with the court, BEFORE being furnished to the Credit Bureaus. 
Pursuant to FCRA, section 611 ( a ) ( 6 ) ( 7 ) you have 15 days to provide the requested proof. If you can not provide all of the request proof you must PERMANENTLY DELETE the information from your records pursuant to Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. " Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. '' XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Fed. XXXX ; and XXXX v. XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX. 
Best Regards, XXXX XXXX XXXX
Per the exact wording of the letter sent to me, electronically, dated XX/XX/XXXX. your direct quote is " As we have explained, the Assignment of Mortgage transferring the mortgage lien from XXXX to Chase occurred in XX/XX/XXXX. You have been provided a copy of this document. Your letter contends the date on which the Assignment occurred adversely impacted your ability to refinance your loan prior to that point. We assure you this document would not have prevented you from pursuing a refinance of your loan or pursuing a sale of your home. 
Further, the recording of the Assignment did not impact the foreclosure process initiated on your loan because the process did not result in a completed foreclosure and sale. As you know, you sold your property through the short sale process ; you were approved to sell the home for less than the amount you owed on the loan. The short sale was completed in XX/XX/XXXX, at which time the loan was due for the XX/XX/XXXX, payment. Accordingly, the foreclosure was canceled and the property did not go to foreclosure sale. 

This is considered as new and material evidence : : : : please research this matter .... 

There was an instance when I attempted to conduct a VA Streamlie with you. Upon receiving the documents, I found them rather confusing and unable to understand the language within the documents. Also, I was informed by a representative within your company, the second mortgage would NOT be subordinated. I am well aware there are logs of every call I made to you. I am well aware any incoming calls to an " XXXX, XXXX, XXXX, etc Area Code, has an internal system that logs calls. I will await these logs, to match my logs from any and all telephone numbers bearing my name with you. aLSO, THE MORTGAGE WAS NOT ASSIGNED TO YOU, UNTIL after the short sale proceedings were commenced. Am I correct, or do I stand corrected?? Also, the servicer of the second mortgage is aware of the subordination clause commenced by you.
There was a computer glitch that was with Transunion that caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them.I 've contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and that my rights were violated by TransUnion. Could you help make TransUnion stop victimizing me. Can I please have a resolution that all of my TransUnion inquiries be deleted permanently from your report as a violation took place when they were illegally added.
I used a Bank of America ATM on XXXX XXXX to make a deposit and a week later my debit card was used at a XXXX ATM approximately XXXX miles from my home. I notified Bank of America immediately that my card was in my possession as well as notifying them that I did not make the transaction. Throughout the process of the fraud claim I had representatives review my account history, notifying them that this debit card is only used possibly 1-2 times a month. My initial 2 attempts were denied for the fraud case. I 've worked in the banking/finance industry for over 7 years and am aware that ATM machines have been targeted for phishing or skimming attacks. The bank is claiming to do research and is holding me accountable for a balance inquiry fee, 2 ATM withdrawals and ATM fees that total to {$400.00}. Per my account history I only pay bills from the stated account and would not check my balance at a non bank ATM plus do multiple withdrawals that would cost me additional money. I initially sent my request to the XXXX and was referred to submit the inquiry here. I 've been scammed by someone or possibly the bank and as a consumer this seems to be advantageous for a bank and a nightmare for a customer.
I have a Mortgage with Nationstar Mortgage loan. I can not get the mortgage company to state why they are not posting the required principle payment in my note and are charging everything on regular payment to interest and only posting addition principle that I am paying toward principle. I have contacted the company several time and can not get them to give me an answer. They first stated that my loan was all interest for the first 10 years which is not true because before the purchased the note from XXXX XXXX I was paying both interest and principle with my payments and I have the original note. These people do not seem to understand or do not want to help resolve the issue. I do not know what to do except file a law suit against the company.
Please refer to Case number : XXXX submitted in XXXX this year. For two months my entire money {$15000.00} plus interest is held with Discover and I am not seeing any hope to get it recovered from them. Please help me with this case. I will be out of country during XXXX XXXX to XXXX XXXX, 2016. I would like my money to be deposited back into my ally bank account ( originally from where i got it into this Discover Savings bank account ). I had email exchange with Discover but that email trail also nothing happened. I ca n't access my money for around 2 months now.
someone opened a new credit card ( XXXX ) in my name on XXXX XXXX. I think this is a result of the Equifax data breach as they acknowledged my data was included in the breach. Equifax has free credit monitoring for 12 months but their system is never available to sign-up. This is very time consuming for me to fix issues like this and I want Equifax to be responsible for such a horrendous lack of security. Every time I click on the link offering one year free credit monitoring from Equifax, I get the message that the system is not available. I have tried many times for last 3 days and always get the same message that the system is not available.
I took out a XXXX mortgage with XXXX in XX/XX/XXXX for {$21000.00}. The account was sold to Springleaf Financial, I believe in XXXX. My current balance is {$19000.00}. So in over XXXX years may balance has only reduced by {$1500.00}. I do n't understand how this can be. I was wanting to refi my 1st mortgage but this account is keeping from doing so.
I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : Equifax, XXXX, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
XXXX XXXX is reporting a business card and debt as a personal debt. It was never reported on my personal report until it went delinquent. They must either report the entire history ( over 2 years of positive history ) or remove completely from the repot. 

Also, since it is not a personal debt and was never personally guaranteed I want proof of a personal guarantee which they have refused to give me since it doesn't exist. 

I have tried several times through them and Trans Union and XXXX to remove this or correct it and they refuse. This is contrary to my rights. I want this rectified. Thank you.
We had a loan modification done with Nationstar Mortgage to lower our payments, change to a fixed rate and avoid a foreclosure. But in the long run our payments went up and our mortgage was extended 10 years. Also, I did not receive a copy of the modification.
In their response to my complaint # XXXX XXXX XXXX XXXX XXXX stated that they removed my name from account # XXXX on XXXX XXXX 2017 as an additional card holder and notified all four nationwide credit reporting agencies on XXXX XXXX 2017, which includes Equifax to update their information to reflect this new information. However, because my credit report from Equifax did not get updated as of XXXX XXXX 2017, I called Equifax to find out why and they told  me that they have not received any communication from XXXX XXXX XXXX XXXX. I was told that information by 2 different persons at Equifax on the same day. My husband also tried to call the contact person from XXXX XXXX XXXX XXXX mentioned in their response to the complaint. Her name is XXXX XXXX, XXXX XXXX XXXX and her telephone number is XXXX, extension XXXX. She did not respond to messages left at that number. On XXXX XXXX XXXX my husband spoke to a credit card servicing agent at XXXX XXXX XXXX XXXX to discuss the conflict between what they reported in their response to my complaint and what Equifax was reporting to me and they stated they would re-submit to Equifax the updated information and notify my husband when that was done. There has been no response from them as yet.