WillisBack/dataset-financial-user-claim huggingface dataset:
Affidavit of Demand XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XX/XX/XXXX Dear Equifax FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Equifax, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Equifax. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Last four digits : XXXX DOB : XX/XX/XXXX cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX  cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities
I was a VICTIM of their " inquiry issue ''. back in XXXX my inquires were all deleted off my report, I called that day and transunion verified its right and okay, a few weeks later these inquiries appeared right back on my report, no notice from transunion, nothing i called again and i was speaking with a rude CS and told me they will remain on too bad now this is n't fair, they were removed and should stay off i have proof of it, removed was XXXX XXXX, XXXX XXXX, XXXX again, XXXX XXXX, XXXX XXXX, XXXX, XXXX ( which did n't come back ) all the others came back and has hurt my score for mortgage, after transunion removed them, then did n't notify me of placing them back on i wouild like my already removed injuries back off, as in XXXX they assured me they would stay off
Southwest Credit Systems LP has been reporting a collections account on my XXXX and XXXX credit reports. The balance is for {$2000.00} and the original creditor is XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe them. I sent my first debt validation letter XXXX XXXX, 2017 ( Please see attached ). Southwest Credit Systems LP responded to this debt validation on XXXX XXXX, 2017 by telling me that I had a right to request the substantiation of the debt, which is exactly what I was trying to do with the letter I sent. In that letter, they told me to send the debt validation letter to different address than where the first letter was sent. 

Their response to my first letter is attached. 

I then mailed a second debt validation letter on XXXX XXXX, 2017 to the address given on their response to my first letter once again requesting the validation of the debt they claim I owe them. 

I have yet to receive a response from them. 

This issue is adversely affecting my credit profile, my credit score and it is hindering me from accessing financial products that can be of use to me. 

I respectfully request that the Financial Consumer Protection Bureau contact Southwest Credit Systems LP on my behalf and have them substantiate ( validate ) the debt they claim that I owe them. 

I do not recognize this debt and all I 'm requesting is that they follow the law. 

A request for validation of the debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA requires that Southwest Credit System LP provide me with competent evidence that I have a legal obligation to pay them. This includes : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest and other charges ; and for all other charges, the date of and basis for each charge. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Verification that this debt was assigned or sold to a collector. 
Complete accounting of the alleged debt. 
Commission for debt collector if collection efforts are successful. 

I have not received any of the above required documentation despite submitting XXXX requests. 

If Southwest Credit Systems LP can not provide the above mentioned documentation, I request that they delete the account from all my credit reports.
I am filing a formal complaint against Halsted Financial Services, LLC at XXXX XXXX XXXX XXXX, IL XXXX. This company is attempting to collect a debt that I do not owe. Halsted is falsely accusing me of not fulfilling a contractual obligation with XXXX ( PAYDAY LOAN ). I have never heard of this entity and have not done any business with neither the debt collection agency nor the creditor. 
I am not sure how this entity has obtained my information but I can assure that I have never applied for a payday loan.
I registered for the consumer opt out prescreen at XXXXon XX/XX/XXXX. I recently have had some trouble accessing my freeExperian credit report and as a result I have confirmed that my Experiancredit file had not been placed under the opt out screen. I have calledExperian and asked to be placed on the opt out screen list / register thismonth of XX/XX/XXXX. I will follow up with them for compliance as itseems they have failed to comply with my first request from last year.
On XX/XX/2018 @ XXXX, Coast Professional called my place of work to get in contact with me. Per the Fair Debt Collections Practices Act, I had previously sent them a cease and desist letter by certified mail on XX/XX/2018 that stipulated that all further contact had to be made by mail and that they could not call me. They have violated this cease and desist. I have let them know that they have violated the cease and desist letter and to not harass me at work.
I have talked to the first collection agency XXXX XXXX XXXX about this same debt and I have sent proof and documents that this account does not belong to me and its is not me debt, and they have since remove the account. 
Now I see on my credit report that another collection agency Enhanced Recovery Company or ( ERC ) sent me a notice in the mail on XXXX XXXX 2016 stating that I owe this debt. 
I am sending a letter along with this complaint to the CFPB and the FTC to say that this debt is not my debt and I never authorized any debt from XXXX nor ERC. This letter to ( ERC ) in response to an unauthorized traded on my Credit Reports. Be advised, this is a refusal to pay, because I never authorized or open any trade with your company or the original creditor, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I am starting to notice the deceptive practices that these collection agencies continue to mislead and deceive consumers and how nothing is being do n't to stop it. This is a violation of my rights under the FCRA and needs to stop.
-XXXX XXXX  XXXX : Balance {$0.00} Opened XX/XX/XXXX -XXXX   XXXX  : Balance {$51.00} Opened XX/XX/XXXX -XXXX XXXX : Balance {$340.00} Opened XX/XX/XXXX -XXXX XXXX : XXXX  {$650.00} Opened XX/XX/XXXX -XXXX  : {$530.00} Opened XX/XX/XXXX -XXXX : {$6000.00} & {$3500.00} ( School Loan in Error ) XXXX XXXX XXXX {$0.00} Balance -XXXX XXXX {$170.00} Opened XX/XX/XXXX XXXX XXXX - XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX {$0.00} Balance
Mid South Adjustment has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Mid South Adjustment provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Mid South Adjustment has failed to provide any original copies of verification obligating myself to this debt and only has been able to provide a screen shot of a bill. Mid South Adjustment has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies
I applied for a loan for a car XX/XX/XXXX the account was closed on XXXX XXXX XXXX and I paid them. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX the creditor United Finance did a hard inquiry on my credit and was not authorized to do so.
First Bank is trying to charge me a {$20.00} overdraft fee. At no time was my account ever overdrawn. They are trying to say in their system it is showing as overdrawn. I have on an online account and I can prove that my account was never overdrawn. They are trying to make up stuff in their imaginary account. If they are keeping 2 sets of books, that has nothing to do with me. I will only be charged fees for what is fully disclosed and reported to me. Again, at no time was I ever overdrawn and I want my {$20.00} back. Please publish this complaint.
Please remove inquiry from XXXX on my credit report. I have attached a letter from XXXX
Transunion has been provided a copy from XXXX 's showing there was no money owed before they did half the update to this account. First they had a balance owed and showing a Charge off. 

There was no charge off as stated on my credit report XXXX/XXXX/2017 File Number # XXXX that was mailed to me there should be no charge off first you had an amount owed now its a charge off there no where on the letter that show nothing that Transunion has showing There was no charge off as Transunion has showing I 'm also filing with the FTC about your information and updating accounts right after proof has been sent to Transunion
On  X/X/17    I called to inquire about paying off of debt of {$1100.00} wit h Diversified Consultants.  I let the representative know that the account went into collection because I had opened the account for my ex-boyfriend who failed to pay the bill. I asked the representative if I could pay the amount in full, would the collection be removed from my report. He took notes and let me know that the collection would be removed from my report " immediately '' after I paid. I let him know that I would be calling them back to make a payment after making arrangements with my husband.  <P/> On  X/X/17    I called to make the payment and inquire about settling. We made a settlement agreement for {$720.00} with the representative and her supervisor. I then asked if paid, would the collection be removed from my report. She let me know that it would be updated as " settled in full '' so I then asked if I paid for it in its totality, would it be removed. She let me know that it would be reported as " paid in full '', but not removed. I let her know that the previous representative told me it would be removed if paid. So she let me speak to her supervisor who explained the same thing. I then let them know that I will call them back after making a decision to pay in full or settle in full after speaking to our mortgage loan credit specialist.  <P/> On  X/X/17    I called to make sure the settlement still stood since I had n't made the decision to pay in full or settle in full. The representative let me know that he would take note of it and the {$720.00} still stood.  <P/> On  X/X/17    the representative gave me the dates and names of representatives that I had previously spoken with. I called to let the company know that I was going to make a complaint since I was told previously that the collection would be removed after paying, and now they were going back on their word.
Approximately on or near the XX/XX/XXXXXXXX after attempting to retrieve funds from my saving 's which is transfered from my Direct Deposit Checking Acct. by a payee each week to my saving 's acct. for which I am Dependant upon to receive monies for my personal needs I found My account had been Shut Down without Informing Me of such Changes which caused me to not be able to put gas in my Vehicle and it was after bank hours @ an ATM and I'm XXXX and I am unable to walk but for short distance 's at any given time and by me not being properly Informed of the closure that led to my pain & suffering by walking and making my way to a phone to get assistance it cause me a Major in crease in my other health issues as the weather was quite severely cold ended in my going to a hospital later that evening and 2 other visit 's as a result when my car ran out of Gas and for reason 's I later was informed had to do with a joke I had made while making arrangement 's for a direct payment for a credit card drawn from another bank they seemed unable to make arrangements to assist me with that should not have been a problem.. Also you may note I had a US Bank XXXX XXXX card with them and I had unauthorized charge 's made to it and had to replace the Card and when I needed to use it, I went to activate my new card I was informed much to my surprise as the service rep. said I had closed my XXXX Acct also. and I had not and again was Dependant on it's use of funds.. That were once Again not available to me by the said act 's of bank employee 's as a form of Harassment to Further the Harm to myself by their malicious action 's and personal Attach on me done willfully and with Full Intent quite Knownly for me now to tell the Joke and why I had said it ( I handed a unused XXXX to the teller and said " Have a Nice Day XXXX Someone.. Like you are doing to me! '' and as they took it from my hand I said " It's a Prop but if you'd like I Can fill that for you while I'm at it.. then at least we both could be Happy '' and Smiled and walk out of the bank with my Friend XXXX who heard and witnessed all the event 's I have mentioned and came out of pocket for the last Meal I was purchasing with my unactivated XX/XX/XXXX that I was denied to Validate on XX/XX/2018 with an available Balance of over {$750.00} I had to leave my New Cell Phone to cover the remaining {$10.00} owed needless to say I'm a XX/XX/XXXXand a Public Figure and it was quite embarrassing and the stress it caused was putting my life at Risk for how upsetting it was too me.. Very Uncalled for and I will be bringing Civil Charge 's also in this Matter if Criminal Charge 's are Not Filed here or Resolved to my Satisfaction.. for their misuse of Power
I got a persinal loan from XXXX XXXX for about {$7000.00}. I did sign for the loan and received the money. After speaking with a friend that works for a mortage company, he explained that if I pay this loan to term at {$360.00} a month for 5 years, I would be paying about {$21000.00} for a {$7000.00} loan. He siad he has never seen an interest rate this high at about 60 %. He suggest that I have CFPB look at this to make sure it was ligjt. 
This company is registered under 3 names and all at the same address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX NC XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX -XXXX  I know I signed for the loan in a bad time of need but I wanted to have this reviewed for legitimacy. 
Please let me know if you need anything else from me. 

XXXX XXXX XXXX
I received a phone call from a relative stating that company said that I have charges pressed against me and I am going to jail. The relative gave me a phone number to call. They said that they are the county legal office. They said I took out a long term for a bank. They saw me go into the bank. I never took a out a long term. Today, I googled the number that was given to me ; ACE payday loan pop up once. I did take out a payday loan that was short term in 2014 and was paying on it.
Questions to the pretender lenders, their agents, co parties principle ( s ) that have never been answered : 1. Under what authority these strangers to me and to the alleged financial transaction that never took place filed for a notice of default when there is no loan to me, see attached declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX that there was no loan transaction in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXXfrom any of the parties who have falsified papers to make a fraudulent claim to my private property? 2. Under what authority these strangers to me and to the alleged financial transaction that never took place have been attempting to extort monies and property from me when i : have my non judicial judgment at TILA 1635 et. seq. indorsed by enacted federal and state law and by all three branches of the government, to wit : the president, the congress and the SCOTUS unanimous decision in XXXX v. XXXX XXXX XXXX XXXX, 729 F. 3d 1092 ( 8th Cir. XXXX ), cert. granted, 82 U.S.L.W. 3366 ( U.S. XX/XX/XXXX ) ( Docket No. XXXX, SCOTUS Unanimous decision XX/XX/XXXX Author : XXXX XXXX ), at 12 CFR 226.15 ( d ), ( 1 ), ( 2 ) and ( 3 ), Reg. Z by Federal Reserve. 3. How did these entities that claim [ falsely ] that the alleged non existing loan is in default, obtained the right to collect on a non existing debt, and when there is no default and all payments on a non existing alleged loan has been received? [ see declaration of ex police officer and currently private investigator that XXXX XXXX XXXX, XXXX surrendered to California secretary of state in XXXX, therefore it did not exist to give me a loan in XXXX and did not give me a loan in XXXX.
4. what evidence do these people have who are making a grand theft of my home that A ) there was a loan made to me from any of the pretender lenders ( when there was none, see attachment ), B ) that there is a default ( when there is none, see attached that all payments on a non existing loan has been received on continuous basis ) ; and C ) how did these entities obtain the right to foreclose on my sovereign property, where are the unaltered original note? the chain of assignments? proof of payment such as Check XXXX, ACH confirmation or cancelled check? when there is none, see declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX. 5. Under what authority the pretender lenders are trying to foreclose on my property when the non existing alleged loan has been liquidated on XXXXXX/XX/XXXX to unknown parties? see attached obtained from XXXX.
I contacted my bank about what I believe to be fraudulent activity on my account that I recently noticed. The banker is stating that they are unwilling to do their do diligence to investigate this matter further. They actually notified me of a security breach back in XXXX 2013 however the are unwilling to investigate that breach. Furthermore, the representative stated my banking is my responsibility. I believe my banking is the responsibility of the institution where my money is placed. Especially if my money is supposed to be backed by FDIC. The representative also stated that there are times when there are things they as a banking institution overlook. That does not sit well with me and I believe if there was something overlooked it is their responsibility to investigate what they stated was a security breach and possible fraudulent activity. The representatives I spoke to were XXXX, XXXX, and XXXX. They are unwilling to investigate because they claim I logged into my account and that I should have reported it sooner. However, they all stated I have a two year window in which to report fraudulent activity and they refuse to honor their own verbal and written agreement. Additionally, I stated that I did not want to get into my own personal/medically history but that their are reasons ( medically/personally ) why the charges may have been overlooked on my end. I but my trust in the institution where I bank to honor their agreement to keep my money safe. I do not feel safe with an institution that will not investigate fraudulent activity.
I was approached by Wells Fargo during a university 's new student orientation day in XX/XX/XXXX. I opened a checking and a credit card accounts in XX/XX/XXXX. A college credit card had a limit of {$1000.00}. After two years, I called Wells Fargo to see if that credit limit can be increased. I was still a college student at this point. The customer representative said yes. After few minutes he said now you have a credit card with {$5000.00} limit. And I said, there must have been a confusion I just want to increase the limit of the current card I hold. The customer service representative said he could not increase the college credit card because it was a college credit card and had a limit of {$1000.00}. So in XX/XX/XXXX Wells Fargo opened a flexible spending credit card under my name without my permission. Now from what I hear Wells Fargo has been doing, I also am a victim of their fraud. Since Wells Fargo is my first bank, it's hard to close my bank account with them without having my credit downgraded. There should be a policy where credit card opened without your consent, your credit score should not be hurt. I urge Wells Fargo 's practice to college students to be closely reexamined.
I have a business checking account with Bb & t and I have not been getting my bank statement. And someone wrote a fraudulent check using a starter check without my name or address but it had my account and routing number on the check for {$4.00} and they despoit in a united federal credit union in XX/XX/XXXX. My son has been in and out the hospital and he passed away on XX/XX/XXXX and when I went to pay for his final expense the card declined and I went to bbt and they acknowledged that the check was fraudulent and filed a claim but denied it. I have had this account dunce XX/XX/XXXX and I have never had to a problem. I work hard and have a family and do not have a dime to my name. They did not contact me regarding the check before cashing it.