WillisBack/dataset-financial-user-claim huggingface dataset:
Pulte mortgage is the company I received a loan for a new home at the XXXX XXXX community at XXXX Arizona. 
we received a home warranty for 2 years on this loan purchase. we informed Pulte 2 times that our upstairs bathroom shower was leaking into the garage. the first time they sent someone who was not a plumber and he told us nothing was wrong. then it happened again and caused even more damage, and a visible crack showed up after continued use. the 2nd time they sent a plumber but they refused to honor the warranty on the home. 
we paid for a warranty through our mortgage and this company is refusing to honor this warranty. this is not the first time something was not honored. we had to repeatedly complain until they fixed : 2 concrete cinder block fences that were falling down, 3 leaks in the kitchen sink which caused damage because they didn't install the sink correctly. 3 AC complaints because the AC wasn't installed correctly, and blinds that broke off from window because it was not installed correctly. 
Pulte got its money and a 8 month old home is not being fixed due to their negligent building process.
XXXX XXXX from API ( XXXX xt XXXX ) has called all my relatives, friends and previous employers and threatened legal action against them if they do n't provide my personal information. 

I can provide a minimum of XXXX individuals who will attest to the fact that she continues calling and threatening them even after they tell her not to.
Transunion shows a paid tax lien on my credit report. I do not have ANY tax lens. I disputed the information with Transunion. Transunion said they had investigated the information via a third party and the information belongs to me. It listed XXXX as that third party. I contacted XXXX to see what information if any they had on me and I filled a disputed with them. The investigation was completed. I received a copy of the investigation and was told " Your recent disputed information with XXXX. We have completed our investigation and the disputed information in your XXXX report has been modified or deleted where applicable. I sent the XXXX investigation letter to Transunion but the negative sill appears on my credit report. Letter was sent XX/XX/2016 via USPS certified mail. Letter was signed for on XX/XX/2016 at XXXX, and I am in possession of the return receipt.
My account was locked because of  XXXX  purchases -  XXXX  for {$100.00} and  XXXX  for {$30.00}. I noticed my account was locked when I could n't log into my account. Then, it turned into a   XXXX   XXXX   XXXX   show becasue I was n't calling from my home phone. After  1 h our, I closed my account - they immediately locked me out of my data. I asked to receive my data and they said they can mail or fax it. This seem to be willfully uncoopertive to someone who 5 years of about a  XXXX  rolling balance.
I requested to have this secured credit card account closed back in XXXX of XXXX. According to U.S Bank XXXX this account would be close and their would n't be a balance left on the account because it was a secured card and you can not charge no more than what you have available on the card. My credit card limit was {$300.00} and I could n't charge no more than {$300.00} on this card. After closing the card and them crediting my account {$300.00} it left me with a {$0.00} balance and all of sudden a month later they let a charge go through for {$200.00} and something dollars, and the charge was not related to me at all and I told them it was not my charge it was fraudulently and they reinsured me it would be fixed and I left it alone trusting them to take care of the charge that was not mine. Months and months goes by never heard back from them so I 'm assuming everything was okay only to find that this company reported to the credit bureaus I owed them {$290.00} which is not fair and very untrue.
Harris and Harris Limited calls me each and every day about 7 times a day.
They have at least 20+ different phone numbers and keep adding more constantly.
I have saved some of them and can provide records.
False names are being using to get past my caller ID. This is a big issue is they come up with fake names always different each day new numbers. They show up such as " travel rewards '' or something else.
I have my phone set up to ignore callers without names and/or numbers in the caller ID.
As a result they create fake names and call me with those. They only leave recorded messages and no details.
I have told them many times to please put all the details in writing and mail them to my home address but they do not. It is a never ending cycle for over 2 years everyday.
There was no validation sent. Was served to come to court with out a right to dispute debt. There was mail forwarding from previous address and nothing was ever forward. Requested validation of the debt and it was not provided.
Dear Sir/Madam, I moved in to XXXX XXXX Apartment Complex ( https XXXX XXXX ) in XXXX in XX/XX/2017 and since the day I moved in, I had so many issues. I filed official complaint on their website and through emails so many times. I got bedbugs and had small, weird looking bugs all over my room. They were coming in from the sink, windows and they  were everywhere. I am extremely clean person and I have XXXX for bugs. I start XXXX as soon as I see a bug. I also have XXXX XXXXXXXX. Maintenance went in to my apartment many times and sprayed and tried to terminate the bugs but they couldn't. It just affected my health as the bug sprays made me XXXX and I kept on having XXXX XXXX. Maintenance manager said as it's an old apartment complex, the pipes are very old and these bugs come in through water pipes and also through A/C filters. It's against human and consumer rights to force me to live in a such a horrible home condition. It's deceiving the consumer with nice pictures of the apartment unit and saying it's luxury and then I faced with the reality. Then I got robbed in my apartment at the end of XXXX. I also filed police report. That apartment complex is a horrible place to live in so I moved out in XXXX. The robbery affected me XXXX as I am a single woman and I could be killed if my dog didn't save my life. I don't owe this awful complex any money but they try to charge me for leaving the apartment and terminating my contract before due date. They're lucky that I didn't sue them. If I knew I'd have so many issues about cleanliness and safety, I wouldn't have moved in in the first place. So they cheated on me, misrepresented the apartment unit then tried to charge me for leaving the apartment to save my life and then sold my account to a collection agency. I would like this apartment complex to be investigated and get penalty as well as the collection agency. 

Regards, XXXX XXXX
On XX/XX/2018, I applied for membership and a savings account online with XXXX XXXX XXXX XXXX ( XXXX ) of XXXX XXXX, MI. I wanted to become a member because I will be mortgage shopping and I liked XXXX 's rates. At the end of the application, I had to check a box saying that the XXXX XXXX XXXX XXXX would check my identification per Federal regulations. The notice did NOT say they would do a hard pull of credit, yet XXXX DID do a hard pull on my credit report which I would never authorize unless I was applying for a loan. By XXXX pulling a hard credit report, my score will fall by 5-20 points. I would never have applied to open a savings account had I know they would damage my credit score by doing so.The statement authorizing XXXX to verify my information does not specify they are doing a hard pull, and it is vague and deceiving ( attached ). I suspected by reading the verification authorization they would do a soft pull, thereby not damaging my credit score. I feel deceived and believe that XXXX must flatly state that they will pull a hard credit report when opening a savings account according to law. At no time or no place on the XXXX 's membership page do they state that they will do a hard credit pull. My score of XXXX will now be XXXX, therefore I have to wait to apply for a mortgage for 2 years because I will be charged higher interest rates because of the deception of XXXX.
XX/XX/2015 I had a credit score of XXXX with Equifax , I had prev disputed accounts due to identity theft on my report, so I put a security freeze on my account. So about in XXXX I called Equifax to have my security freeze lifted but for some reason they could not lift it right away they stated they had techinal issues and I had to wait for 72 hours, and it actutally took a week or longer. So when I did get a chance to see my credit report I noticed that they had added XXXX accounts to my report. I reached out to Equifax and asked why they stated I had to files that were the same exact information on it. So Equifax combined the duplicate file to my report which added XXXX accounts back to my report. I have been trying to dispute information to them they are very rude when I call. I have sent information providing that those extra accounts were prev disputed and removed but they refuse to do anything about it. I am a victim of identity theft and have a police report on file. they will not remove those xtra accounts. It was Equifax consumerdept that will not help me in any way shape form or fashion. I have faxed over documents and they still have that duplicate information reporting on my credit report. Equifax Consumer Dept are the wrost people to have to call and talk to, because I call so much sometimes I can here them making smart remarks or laughing in the background. They have said thy have disputed the accounts and I have asked for actual paperwork validating that these accounts are mine they told me that they do n't send out information like that. I am so pised off with Equifax , they will do nothing to fix my problem, my credit score went from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX they will not give me any information to prove to me that these accounts are mine, I requested information in black & white proviing that thee accounts belong to me but they will not due so
I purchased a car back in  XXXX  and it was financed through  XXXX   XXXX   XXXX . The car was a piece of junk and the interest was more than what the dealership disclosed to me. I voluntarily forfeited the car in  XXXX  and paid more than what the car was listed for on the blue book. My credit report with   XXXX   and TransUnion are showing duplicated charge offs for this same account that I voluntarily surrendered the car to. I was told that it would not happen. And it is my understanding that when you voluntarily surrender a car and they came and picked it up that they can not show the balance on my credit reports. The balance appears on all of my credit reports and it appears at least  XXXX  times on each. I have asked the bureas to correct this and remove this information and they have not. I would like to have this resolved it has effected so many aspects of my life and it is my right to have proper information reported on my credit reports.
I received notice on the last week in XX/XX/XXXX that my mortgage was being increased from XXXX to XXXX, and this is because I am required to have flood insurance. I called XXXX XXXX for a quote and they said they could insure me for XXXX instead of XXXX what XXXX is charging me. My mortgage payment would go down instead of up. I will loose my house if forced to pay XXXX, I am XXXX and on a fixed income. I have been trying to stop payment that XXXX took out of escrow, but they are not letting me cancel. I have been working on this for 3 weeks now. I have XXXX XXXX waiting for the funds, my new policy would start XXXX XXXX 2017. I thought I was supposed to have 30 to 60 days notice. I am scrambling to save my home. Can you help?
on my report appear a balance of a apartment that ca n't be me because on that time i does n't have social security number and i was on XXXX grade of schoolS, also there is a student loan under my name and thats not possible either because like i said i was here with out social SSN
In XXXX I was forced into XXXX XXXX I was XXXX XXXX XXXX, XXXX I was hit with a bill from SS that they had overpaid me {$6600.00} I had 30 days to contest, now on payments. At the same time I was fighting to pay off my {$11000.00} medical co-pays & out of network expenses. By XXXX XXXX I was unable to keep up I defaulted on several unsecured accounts all but XXXX has now been resolved. I had called the account holders for relief, only XXXX agreed to help. Citibank refused any discussion or relief, told me basically pay up or else. I am now facing a judgement with Citibank as the plaintiff. I offered a settlement but they flatly refused. Telling me they would see me in court. I have nothing no assets, saving, uninsurable, unemployable & I 'm living on my SS.
XXXX promised refunds of over {$140.00} for fraudulent charges on my account, then they continue lying and eating around the XXXX instead of just honoring the promises already made also breach of contract and theft. The refunds were all issued by the developers and XXXX kept the money and never returned them to any bank or previous account. Everytime I call I show proof and get hung up on. I sent them proof and screen shots through emails dozens of times. Cases numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and [ XXXX ] all promise they 'd fix the problem. I even agreed to credit through their play store which would even cost them anything yet instead they pull a bunch of shenanigans and try to rob me.
I am writing to you because I am desperate.. I started a loan modification with Bank of America a year ago and I was approved XXXX XXXX, 2014 for a trial period then in XXXX XXXX, 2014 I was sent a letter that they had approved me for the loan mod. BofA Sent me the loan docs and we signed and sent them back to them. According to XXXX with the post Modification department at XXXX the permanent modification was complete and uploaded to their system XXXX XXXX 2014. After that the loan was sold to XXXX XXXX XXXX and they are not telling me that I need to come up with {$32000.00} dollars to bring my loan current and that they can not find any of the loan modification paperwork i did with BofA. My wife and I really can not take this any more we feel that any minute now they are going to take our home away. Please help me or tell me how to get XXXX to understand the previous transaction with BOFA. We had already signed loan modification docs and it was approved and uploaded and now I fear we are back to step one. Just because BofA choose to conveniently sell my loan. Please Help!
Debt collector onemain contacted my family members and XXXX information regarding debt such as type and exact details without consent.
On XXXX XXXX, 2015 I received a Chase mobile text stating I was below my normal funds. I went into my banking branch at XXXX XXXX XXXX where I presented both my id and debit card. I wrote and signed affidavits for unauthorized signature or transaction papers for amounts totaling XXXX. The bank allowed the thiefs to make XXXX different transactions at XXXX different banks in one day. And not once contacted me about this irregular activity on my account. Th
I am having a serious problem with XXXX XXXX every time I send a dispute out regarding accuracy of account they retaliate and put a charge off on my account for that month of the dispute they put one on my account for the month of XX/XX/XXXX and another charger off for the month of XX/XX/XXXX this  account has been closed for three years. I do have a small balance on the account and they keep updating with a charge of ding. This charger off update reflect on my credit as an actual charge off currently for that month not the original charge off and closing date which was three years ago this is seriously affecting my credit. I believe they are in violation of FCR rule 609 and 623. They are update my account with a " Charge off '' and it reports as a Recent Charge off this is NOT ACCURATE AND VERY MISLEADING on my credit report. XXXX is using the right to update clause to report negative and inaccurate Charge off dates monthly as RETALIATION for my disputes. First they added a negative remark " Bad Credit '' and then a " Fail to Pay '' and " Charge Off ''. My Acct. was close XX/XX/XXXX. i am paying off my debt with XXXX debt regularly directly to them. My balance is {$250.00}. Which will be paid off soon.I wish to file a complaint regarding accuracy of the Charge off date reporting on my credit report and the RETALIATORY effort by XXXX XXXX to purposefully XXXX character through negative reporting to the credit bureaus.
XXXX XXXX company will not have their company deleted from all 3 of my credit reports. These debts have been settled and closed. I was told after I settled they would be taking off my credit reports and they have not done so. I've tried calling and disputing to the company it self and the credit bureau 's. Nothing has be done. These accounts are negative on my reports and its hurting my scores. They were placed on my reports on XX/XX/XXXX and XX/XX/XXXX for XXXX   and XXXX phone company 's. I have tried everything I can to get these deleted any help would be appreciated.
I disputed several items on my credit report that have wrong balance and wrong dates, yet experian refuses to investigate the matter saying that it is true with no further investigation. Experian needs to be fined and forced to reinvestigate my dispute!!!!!!
Hi my name is XXXX XXXX i had a operation in XXXX XXXX  2016. In XXXX XXXX XXXX zip XXXX.I paid some bills up front and am paying off others.After the first time i saw this on my credit report i called XXXX XXXX and they said they never put anything in collections. I paid off the XXXX bill have a receipt. I am paying off doctor and hospital bill.So i believe this is an attempt to collect money i do not owe. This is bringing my credit score down, you can see i have a good score i worked hard to get it back to where it is at .And i do not appreciate it. I never got a bill telling me what this is supposedly for, so i would appreciate your help .Thank you
I received a phone call from a number located in Texas ( XXXX ) stating, " Hello, this message is intended for XXXX, my name is ( uhm ) XXXX XXXX I am calling regarding some paperwork that I received in my office today under your name and social security number. I need you to be advised that I have a request to put you on my schedule defined by the certified notice of intent regarding a pending case that has been filed against you. Before I stop by your residence or place of employment we wanted to give you a curtesy call and inform you that you are being put on my schedule to be served. ( Male coughing in background ) If you have any questions regarding this matter you do have a legal right to contact the following party at XXXX refer case number XXXX. Now just to be clear you are being put on my schedule for XXXX between the hours of XXXX and XXXX. Unless I hear differently from the plaintiff I will be out to see you at that time. ( Uh ) XXXX you have been notified. " I believe that these people are not who they say they are and are violating SS 807. False or misleading representations [ 15 USC 1692e ] of the Fair Debt Collection Practices Act. Specifically subsections 3 and 10. I am unsure of what else this person could be misrepresenting or falsely stating, all I know is that this is not the first time they have called trying to scare me into calling them back and conning me into giving them money or my information.
The cryptocurrency distribution company, Coinbase.com, double charged me for a single payment. I purchased a virtual currency with them on XX/XX/XXXX for {$300.00}, which worked as expected. However, I just looked to see another charge was made on XX/XX/XXXX for another {$300.00} despite me not initiating or authorizing it. There are no fees listed for using their service other than the relatively small transaction fees included in each payment. I have been trying to get a hold of them but they're support team is inadequately staffed.
Equifax report shows : XXXX debt in collections {$370.00}. Debt was paid XXXX/XXXX/2015. Need item removed from negative status.
We had to file a chapter XXXX in XXXX due to unemployment. After filing the chapter XXXX, both my husband and I found steady employment. Since the filing, our mortgage was sold from XXXX to Rushmore Loan Management Services. We received the notification from XXXX about the sale, but never anything from Rushmore. I sent in the first payment to Rushmore, from the information received by XXXX. I never received anything from Rushmore after that payment was made. I ceased payments, and sent a letter requesting to know if they still service my mortgage. No response from Rushmore. XX/XX/XXXX we receive a notification of foreclosure from them. I contacted my attorney for the chapter XXXX, who in turn contacted Rushmore 's attorney. A stipulation was agreed upon and filed XX/XX/XXXX. Since the stipulation, we have been making the monthly payments. On XX/XX/XXXX, we received a notification of default. Rushmore was claiming that no payment had been made since the stipulation. I sent copies of my cancelled checks to my attorney, who forwarded them on to their attorney. Today, XX/XX/XXXX I received notification from my attorney that Rushmore is still claiming that we are in default, after seeing the cancelled checks. They are now looking for an ungodly figure to be paid by Friday, XX/XX/XXXX. XXXX, or they will file the notice of default. They have been strong-arming even though they are in the wrong, just to get more money. I feel this is a very fraudulent act on their part and need to be put out of business. We are not the only ones who have been affected by Rushmore this way. I have attached a copy of the stipulation, XXXX XXXX XXXX   complaints and reviews, the notice of default, and emails from my attorney.
Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with XXXX, XXXX and EX. 
There are three trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. 
This is not the first time I have been in contact with these agencies about this. 
I am requesting that effective, immediately all three of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX. Bal of : {$22000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$480.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent!
There are XXXX medical bills listed on my credit report that do not belong to me that I have no responsibility for. I have disputed this information with the credit bureaus and the collection agency to no avail. This incorrect information remains on my credit file
I 've called Chase bank on X/XX/17 to find the reason why they 've decided to close my account. I was told that they ca n't disclose that information with me. I asked for a written explaination mailed to me and I was denied of having that information obtain.