WillisBack/dataset-financial-user-claim huggingface dataset:
Hello - I went through a divorce over the summer and changed my name back to my maiden name. I have that change noted in my divorce papers which have the official county seal. I have also used these papers to update my name with social security and the XXXX. Transunion will not update my name with this information. They tell me if I got married they would have no problem updating my name, but since it was a divorce, they can not update my name even with copies of my divorce papers, social security card and my drivers license all stating what my legal name is. I can not move forward with banking items because my legal name is n't matching my primary name on my credit report. I think it is discrimination that they will update a name easily if you get married, but refuse to update to your legal name if you get divorced. Can we work to change their processes so that myself and others can move forward with their lives? I understand the process of proving information and appreciate that, but once a person does this, it should n't be so hard to update your credit report. I have seen on many message boards online that this is a huge issue with woman and transgender people. Something this simple should n't be so hard to fix. 
Thank you and I look forward to your response.
I got behind on my mortgage payments the last part of last year ( 2015 ) I applied for a modification, as I was instructed to do so by XXXX bank and not to make payments. My loan then was sold to SPS and my modification was denied, I submitted an appeal which is currently in review.
Around 2013, I decided to go back to school. I applied for a private loan, and the loans total about {$60000.00}. After graduation, I had to take work as a substitute teacher as I could not find full-time employment. 

I called the company and asked for forebearance, which they granted for one month only. The fee for forebearance was # {$100.00} per loan. {$200.00} to keep it in forebearance for one month. 

I called to lower payments, but it was not working. They said they do n't do forebearance for a year, but it says on their website that it is for 12 months. That is all I ask. One year.
There were liens on my credit report with the XXXX of Mississippi Revenue XX/XX/XXXX. I called an spoke with XXXX XXXX of the State of Mississippi Revenue office. I was informed that a new computer tracking system was put in that pull all information of business that have not filed there taxes or owe taxes. I had not been in business since XX/XX/XXXX, ( nine years ago at the time ) and had not lived in the state since XX/XX/XXXX. This lien was caused by not filing a " XXXX '' return and informing the state that I was no longer in business. I Did Not Owe Any money. I was instructed to send XXXX XXXX tax returns and the final return request account to be closed. I did and the lien was cancelled not satisfied as if I had to pay any money. I sent this documentation to all XXXX credit bureaus immediately. XXXX and XXXX removed the liens, Equifax refused stating it was a record of fact that I had a lien and refused to remove the liens. Equifax is still reporting a lien from XXXX as well that was in error. I am attaching the corresponding documents and communication with the Mississippi Revenue representative. I had to send the same information to XXXX XXXX my credit union when I was trying to purchase a home, who accepted it. I am requesting an investigation of Equifax relationship with member creditor 's requesting all previous credit discrepancies like mine continue to be report. Even if the error was on the creditor, state, federal or pubic record. This causes lower credit scores for the consumer and reward the creditor 's the right to charge higher interest rates. Most consumers do not have the ability to fight the credit bureau or the creditor 's. We desperately need your help with this matter for all consumers sake. 

XXXX XXXX Sales tax Lien XXXX XXXX ( XXXXXXXXXXXX ) Attachment XXXX/XXXX/XXXX Documents To : XXXX XXXX XXXXXXXXXXXX Active ViewXXXX XXXX XXXX XXXXTax AnalystXXXX. XXXXThis e-mail is advisory only and is not binding on the Mississippi Department of Revenue. For more information, please seeXXXX 
Effective XXXX XXXX, XXXX, Mississippi will implement a Statewide Tax Lien Registry. For more information, please visit http : XXXX & gt ; & gt ; & gt ; XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX/XXXX/XXXX XXXX XXXX & gt ; & gt ; & gt ; ActionsXXXX XXXXXX/XX/XXXXTo : XXXX XXXX Good morning, I am contacting you because there is still a tax lien on my credit from XXXX XXXX. I have called them and was told it is coming from Mississippi state sales tax and it will be removed when the state removes it from the credit bureau. Can you please check into this for me. I am in the middle of closing on a has and was told I needed to pay this or show proof that this has been taken care of and will be removed from my credit report. I am due to close on next Tuesday. I was told this late yesterday and I know this is a short notice. I can be reached at XXXX these numbers : XXXX or XXXX. 
Thank you, XXXX XXXX
I have been a XXXX in a large XXXX XXXX district since XX/XX/XXXX  and am unable to receive a clear history of my student loans in regards to the XXXX Loan Forgiveness Program. My loans were consolidated in XX/XX/XXXX ; however, my servicer ( ACS ) is unable to provide me with the type of loans that were consolidated and the date of consolidation, which can impact my eligibility for the XXXX Loan Forgiveness Program. In addition, my servicer ( ACS ) said my loan is being transferred to another lender/servicer ; however, they were unable to provide a date or time frame that this would occur. My servicer ( ACS ) referred me to the U.S. Department of Education, who also provided limited/false information. I was provided with a servicer who, when I contacted, had no records of my loans.
By not being able to access my loan history, I have not been able to receive confirmation of my eligibility for the XXXX Loan Forgiveness Program. My servicer 's practices ( ACS ' ) are unfair and deceptive as I am not able to receive consistent information regarding my loans. My loan is also being frequently transferred to different lenders and servicers making this process more complicated.
I have contacted my servicer ( ACS ) on multiple occasions, with the latest contact being XX/XX/XXXX. The servicer ( ACS ) stated they could request a copy of my Promissory Note from the loan guarantor ; however, this will take 30 days to provide and I am not sure how this will help me to understand my eligibility for the XXXX Loan Forgiveness Program. Please see my request to the servicer ( ACS ) below.
Thank you!
-New mortgage loan with Stearns/  XXXX     XXXX , insurance was paid through my escrow account.    XXXX  I paid my mortgage insurance in full directly to my insurance provider for a full year for the dates  XXXX . I provided  Stearns  with the information and a copy of the receipt showing the mortgage insurance was paid in full and requested the insurance to be removed from escrow and to stop billing me for insurance.   -I have emailed, submitted to their website, mailed through the  USPS , had my insurance provider contact Stearns and I have called 10 tim es submitting proof that the insurance was paid in full. Each time I speak to someone they say it 's being researched and has been escalated for resolution and each time they give me a resolution date which passes with no change to my bill.    XXXX   Stearns sent me  a paper bill, Annual Escrow Account Disclosure Statement, stating that I have an escrow shortage of {$1000.00} due on  XXXX / XXXX /  XXXX   in addition to my regular mortgage payment due  XXXX / XXXX /  XXXX   and yet still including a portion to go to the escrow account to cover my insurance payment ( which they acknowledge on the phone that they see I 've paid ). I can not get an explanation on why there is an escrow shortage nor have they fixed the escrow issue. I paid {$870.00} directly to the insurance provider which should change the escrow shortage or overage.    XXXX / XXXX /  XXXX   - The customer service rep I spoke to said complete resolution by  XXXX / XXXX /  XXXX  .    XXXX / XXXX /  XXXX   - I checked the website and my account has still not been updated. The customer service rep said he sees all the times I 've called and said someone will call me next week " maybe Monday or Tuesday ''. He has " reescalated the escalation ''.   -As of today, they are still billing me for insurance. It has been  two  months since I paid the insurance in full and Stearns is still billing me for it and they are also billing me for an escrow shortage of {$1000.00} for a loan I have only had about 8 months.   -My monthly bill has been {$1900.00}. The statement sent to me says if I do n't pay the {$1000.00} shortage my new bill will be {$2100.00} and they have not taken into account the {$870.00} payment directly to my insurance company.
On XXXX 2016 and subsequently on XXXX XXXX, 2016, I submitted and supplemented my loan mod application to Caliber Home Loans which they acknowledge receipt of a full and complete package on XXXX XXXX, 2016. I was told that they would contact me with a result and/or if they needed additional information to supplement my request for modification. 
I received two letter after that, one dated XXXX XXXX which is the SCRA notice letter and another letter dated XXXX XXXX, 2016, telling me I was in default of my loan and that I needed to pay. Nothing regarding the status of my loan modification. On XXXX XXXX, 2016, more than 60 days after submitting my request, I was told that my modification was denied on XXXX XXXX, 2016. I was not notified of the denial and was told that they could not talk to me.
I incurred this debt on or after XX/XX/XXXX for approximately XXXX. At the time, I was employed with XXXX and my intention was to repay the debt through work as it created through advance use of leave. When I transferred to XXXX, MO, I lost my employment with the XXXX due my transfer request being denied. That left me with the afore mentioned debt. I was contacted by the department of treasury regarding the debt and I explained my financial situation to them and they said they would n't pursue collection action. Last week I received a call from a company named CBE and again today. I explained financial situation and my conversation with the Dept of treasury but, they continue call even though my financial situation has n't changed. The person I spoke with threaten to offset a social security benefit that I do n't receive.
XXXX XXXX XXXX and Green Tree Servicing LLC have not been applying my mortgage payment to my loan for the last XXXX months. As of XX/XX/XXXX. They are also saying I 'm XXXX months behind on my loan. They are also adding another month to my mortgage balance. This is a total of XXXX months they are not giving me credit for. My mortgage balance should be less than XXXX dollars. Yet they are saying my mortgage is over XXXX XXXX dollars. I made the same compliant to XXXX and Green Tree servicing LLC in XX/XX/XXXX, that they had added six months to the back of my loan. They are still doing the same thing in a different way. XXXX and Green Tree Servicing LLC are also adding illegal late charges to my mortgage account.
My husband and I are homeowners. We took on a mortgage for our home of {$190000.00}. It was originally through Citi Mortgage, but now XXXX XXXX is an " investor '' of the loan. ( I 'm not sure if that means they are the owners of our debt or not ). <P/>Regardless, when we paid off enough of the mortgage to get to 80 % of the loan value ( as stated by the Homeowners Protection Act ), we were under the assumption that we could apply to have the PMI insurance cancelled. We spoke with several customer service representatives from CitiMortgage to go over how this process works, and they were also telling us we needed to get to 80 % of the original value of the loan. <P/>We applied for a home appraisal ( this cost us approximately {$900.00} because we were told " we live in a rural area '' -- even though the appraiser lived 20 minutes from our home ). We went through with the appraisal, we found our house remained at the exact amount we purchased it for. <P/>We spoke with the mortgage company several times trying to find out the exact amount we needed to reach 80 % of the mortgage. We were told an exact dollar amount, and we were about to put the remaining {$5000.00} towards the mortgage to have the PMI removed. When we called the mortgage company to verify the PMI would be dropped, they ONLY then informed us that we did not meet the " investor requirements- which state, we need to pay the mortgage down to 75 % of the original loan. '' I am confused here because under HPA guidelines, it states 80 %. The HPA defines cancellation date as, at the option of the borrower, either : ( 1 ) the date on which the principal balance of the mortgage is first scheduled to reach 80 percent of the original value of the property ( regardless of the outstanding balance ), or ( 2 ) the balance of the mortgage reaches 80 percent of the original value of the property based on actual payments. <P/>As I 'm understanding this, we qualify for option 2 - we paid off enough of the mortgage to reach 80 % of the original value. However, we were just told that we do NOT qualify for PMI removal because of " investor guidelines '' which override the HPA guidelines, and we are now required to reach 75 % of the original loan. <P/>We have wasted {$1000.00} in fees to have our house appraised, and a lot of wasted time and energy trying to save up the money thinking we would reach it at 80 %. <P/>Can anyone tell me why investor guidelines override the HPA? I am so frustrated and confused. How does an investor guideline override federal law? And why, when the new investor of our loan ( XXXX XXXX ) took over the loan ..why were we not mailed a letter notifying us of these new guidelines? Why was n't this made clear by all of the people we spoke with over the phone when we called multiple times during the process. <P/>At any point customer service reps. could have made it clear that we needed to reach 75 % of the loan, but this was never explained to us.
I opened up a virtual checking account with PNC Bank in XX/XX/2018 online. Everything was fine until XX/XX/2018 when I was charged a {$15.00} service fee. My balance was about {$300.00} at that time and after the service charge fee my balance went down to {$290.00}. I've called customer service on XX/XX/2018 to inquire why I was charged a service fee. I was told that I had to keep at least {$2000.00} in my account to avoid the fee. 

I was not aware of this fee, I was not told I had to keep {$2000.00} in the account, I haven't received any " welcome package '' where it would be disclosed. Even when I was looking inside of my online account for any fees there was nothing disclosed. The disclosure of the fees is quite hidden and only if the account holder is OFFLINE and it is very hard to find. 

This is a deceptive marketing strategy to charge customers with monthly fees. If I knew I had to park {$2000.00} in a checking account ( interest free ) I would never open the account.
XXXX, IL XXXX REPORTED XXXX ( XXXX ) DELINQUENT ACCOUNTS AS A WAGE EARNER PLAN STATUS ON XXXX/XXXX/XXXX ; BOTH OF WHICH ARE THE SAME ACCOUNT. THEY HAVE THE SAME ACCOUNT NUMBER AND CREDIT HISTORY DATA. THE PERSONAL UNSECURED LOAN WAS OPENED ON XXXX/XXXX/XXXX AND CLOSED ON XXXX/XXXX/XXXX AS A CHAPTER XXXX BANKRUPTCY. I CONTACTED THE CORPORATE OFFICE ON XXXX/XXXX/XXXX, HOWEVER THE REPRESENTATIVE STATED SHE COULD NOT PROVIDE ASSISTANCE AND TRANSFERRED THE CALL TO A LOCAL NORMAL, IL BRANCH. I SPOKE WITH THE BRANCH MANAGER ( XXXX ), WHO STATED HE DOES NOT KNOW WHY HEIGHTS REPORTED THE ACCOUNT SINCE THEY HAVE COURT NOTICE THAT THE ACCOUNT WAS INCLUDED IN A CHAPTER XXXX DISCHARGED BANKRUPTCY. THE ACCOUNT WAS INITIALLY CODED AS A CHAPTER XXXX WAGE EARNER PLAN, BUT IT WAS LATER AMENDED TO A CHAPTER XXXX BANKRUPTCY, WHICH THE COMPANY RECEIVED OFFICIAL NOTICE IN XXXX. A REVIEW OF MY CREDIT REPORT SHOWS THAT HEIGHTS FINANCAL SERVICES PREVIOUSLY REPORTED THIS ACCOUNT AS A CHAPTER XXXX IN XXXX, BUT AS OF XXXX, THE ACCOUNT INFORMATION WAS CHANGED TO SHOW PAYMENT STATUS AS WAGE EARNER PLAN. ALSO, THE ACCOUNT IS REPORTED AS DELINQUENT BECAUSE NO PAYMENT IS BEING RECEIVED. THERE HAS BEEN NO PAYMENTS ON THIS ACCOUNT SINCE XXXX WHEN IT WAS CONVERTED TO A CHAPTER XXXX. IT IS NOT A WAGE EARNER PAYMENT STATUS, THUS NO PAYMENT IS REQUIRED AND THERE IS NO DELINQUENCY. I HAVE ATTACHED DOCUMENTATION SUPPORTING MY CLAIM THAT XXXX XXXX SERVICES IS AWARE OF THE CHAPTER XXXX DISCHARGED BASED ON THE FACT THAT IT WAS REPORTED ON MY XXXX TRANS UNION CREDIT REPORT. IT IS UNCLEAR WHY MY ACCOUNT HAS CHANGED STATUS AFTER SIX YEARS OF ACCURATE CREDIT REPORTING. I AM INCONVENIENCED BY THIS INACCURACY. IT HAS NEGATIVELY IMPACTED MY CREDIT REPORT, AS WELL AS, MY CREDIT SCORE. I WAS DENIED A CREDIT CARD BASED ON THE INACCURACY OF XXXX XXXX SERVICES.
We received an insurance claim check from our homeowners insurance to repair our roof. Our mortgage company Pennymac Loans will not endorse and release our claim check, while our roof is literally falling down around us. Ours is not an isolated incident. Pennymac is notorious for this practice. Class action lawsuits have been filed against Pennymac for this reason.
XX/XX/XXXX amount XXXX the company global service called me at XXXX stating that XXXX XXXX is suing me for a loan XXXX dollars that I took out in XXXX they said I paid a check to them and the check was no good. <P/>I never took a loan out to them and they are threaten to sue me for fees and court fees.
XXXX attempted to collect for a 2 year contract after 3.5 years of service, said contract expired 1.5 years prior ; and was month to month with them.I had warranty coverage & XXXX told me to call them about my lost phone.Warranty co. stated : XXXX warranties are only for 2 years on any phone, but they collected thru my Billing Statement at $ XXXX every month for 3.5 yrs., even after warranty on phone had long ago expired.They then billed me for violating a contract at a supposed pro rated amount of XXXX. Next month and when called the # on back of bill ; new charges showed up on bill, but different amounts when I called them. I am severely XXXX, XXXX condition and XXXX told me : It does not matter. The only way you can resolve this is : Go to your nearest store, which is 2.5 miles from my house. Every time I called XXXX about the issue, I continued to get differing amounts and they could not explain the amounts. They refused to try to fix it and sent it to collections, and the phone agents could never explain the charges ; and stories differed each time you called ; but I do not owe them a penny. They collected on an expired warranty and they sent it to a few collection agencies, and they continue to harass me on my cell phone, which I use 1 day a week if need to go out anywhere ; store or Doctor appt. I never have received a billing statement from the XXXX different collection agencies that have called, which I know that after calling me in XXXX they must send a copy of a Bill in dispute within 5 days. T Mobile has been sued and involved in Class action Lawsuits over the same issues and lost both times ; but they must still be making much more than a Class action Lawsuit cost them, for I know they took a big hit in XXXX XXXX XXXX. I am trying to get them with others in another Class action suit and take it to XXXX, XXXX, to file it in my State for XXXX will cost them the most, and hit them harder than any other State in the US. This should have been stipulated in the prior Suits ; but they continue to cARRY ON Business and Fraud in the same manner as prior to the Lawsuits.
Unauthorized hard inquires TransUnion refuses to remove. I contacted all lenders below and they refused to to remove them. 
When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report.

XXXX XXXX Inquiry : XX/XX/XXXX Finance XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX - XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX   XXXX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX   ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX   XXXX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service.

Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
I contacted XXXX weeks ago to inform them that I never received my statement. They basically told me to take it up with the post office and never sent me a duplicate copy. In addition every day they have repeatedly called my cell phone up to 10 times and most times back to back and within minutes of the previous call. This is harassment and against FDCPA laws.