WillisBack/dataset-financial-user-claim huggingface dataset:
Affidavit of Denial XXXX XXXX XXXX XXXX OF PENNSYLVANIA 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 XXXX 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 XXXX and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XXXX/XXXX/XXXX I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with XXXX XXXX that authorizes you to collect on this alleged debt The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank You, cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX
My credit was used without my permission. This was fraud committed by XXXX XXXX XXXX XXXX XXXX XXXX. I did not purchase a car from this car dealership. The dat was XX/XX/2019. The reference number is XXXX. The loan company is GM Financial.
Well for the last few months I have been sending Trans Union, XXXX, and XXXX 609 credit dispute letters for the following accounts. XXXX XXXXXXXX XXXX   account number XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Each of the credit bureaus have failed to send me any contract with my signature as it states under the 609 section. This is hurting my ability to get credit and it is unlawful and not fair. Its has been two months and they are supposed to provide proper documentation or the unverified accounts they where supposedly to be deleted and so far have not. I thought the days at the most.
I applied for this secured card, and a few days later i received the attached letter in the mail basically stateting " Thank you for applying, please fund the account, if we do not receive funding for the account an account will not be established '' This is basically what i understand the letter to read. Long story, short. I never funded the account and yet, an account was established and is showing up on my consumer credit report XXXX. I claim they should never have opened an account much less report it to my credit reports. I want them to delete all information from these XXXX credit bureaus. I am sending the letter that started this whole issue.
CAS had been trying to collect a utility bill that was discharged in bankruptcy. After numerous calls I finally mailed CAS written response in 2014 and the calls and letters stopped. 2 years later they report a collection to credit bureau and without written notice. I only find out during a family move and finance transaction - which adversely affect my moving and financing ability. CAS has not accepted any responsibility or demonstrated any willingness to resolve, correct or remove reporting. 
They will remove report if I pay them or prove to them that they made a mistake
I have been trying to speak with someone by calling Rushcard XXXX number. Every time I call I 'm either on hold for XXXX hours or they hang up, this last time the young lady was so rude I forgot why I was calling. These past few weeks have been a headache. I went from missing money to not receiving my deposits. I understand they might not come early anymore but it 's past my pay date and no XXXX will come to the phone. I have been a member since 2011 and you would think they would handle this more professionally. They need more customer service reps and to keep their customers in the loop.
1. On XX/XX/2018, I sent an initial letter to EOS CCA ( " Initial Letter '' ) requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay {$520.00}.

2. I also notified EOS CCA that my Initial Letter also served as formal notice that I was disputing the claim.

3. I sent the Initial Letter via Certified Mail. The Initial Letter was delivered to EOS CCA on XX/XX/2018 at XXXX XXXX. A copy of the Certified Mail Receipt is attached to the Initial Letter.

4. Thus, XX/XX/2018 was the 30-day deadline for EOS CCA to send me verification of the debt. I havent received anything.

5. The entry of {$520.00} on my XXXX  and XXXX  credit reports is entirely inaccurate, incomplete, and represents a very serious error in reporting.
On XX/XX/XXXX, I received an email that I can no longer use PayPal because I was inconsistent with the User Agreement. They did not specify what I did wrong nor give me any valid reasons or solutions. I have a balance of {$1200.00} that they will not release for another 180 days. I can not afford to wait that long to retrieve my funds. This is not fair to hold MY money.
I have sent out multiple letters to NAVIENT for validation of student loan accounts that are showing up on my credit report. I never heard back from them within 30 days by law. I sent the second round of letters asking yet again for validation of this account. NAVIENT has cost me more money in interest fees over the years since i graduated back in 2012. I requested the " income driven base payment '' plan and instead they demanded i go into " forbearance '' instead. This company has become so expensive and has over charged me thousands of dollars in debt due to their scams. I demanding that NAVIENT remove all XXXX accounts off of each credit bureau ( XXXX ). I would like a written letter in the mail stating these accounts have been removed or i will have no choice but to take legal action due to non-compliance of federal laws under the Fair Debt Collection Practices Act. Navient may be liable for their willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ]
I have paid many accounts that are not being reflected on my credit report. my score is not reflecting the positive hard work i have put into my credit standing.
I had a checking account with Bank of the West prior to XX/XX/2013. I overdrafted the account and was charged nearly XXXX $ in daily overdraft fees before the funds in my savings account were applied to cover the original amount overdrafted. The account went to collections with The XXXX XXXX XXXX with a balance of XXXX $ owed in XX/XX/2013. I disputed the account and XXXX reported the account as closed to XXXX for meeting FCRA requirements for a dispute, but still lists the account open and in collections with XXXX. I reached out to XXXX and inquired when they would report to XXXX that the account was closed pursuant to my dispute. The agent advised me that she does not know why the account was closed with XXXX and repeatedly interrupted me to tell me I needed to pay the account. I advised her the account was disputed and closed and I would not make a payment until she could explain why it was closed with one bureau but not the other. The agent advised me that she did not know and it was a mistake and that all she knew was that I had to pay the account. I again asked why the account was closed with one bureau but not the other and she transferred me to a voicemail for someone else. I left my contact information and even called an hour later and was again dumped in a voicemail. I have never received a returned call from this company to explain their discrepancy in reporting to the credit bureaus. They refuse to explain why I need to pay this account that is closed, they refuse to accurately report to the bureaus, and they continue to aggressively attempt to collect this debt.
I have tried several times to submit a dispute for an error on my credit report with experian. Both   XXXX    and   XXXX   have correctly deleted this account but Experian is refusing to investigate this matter and report correct information. This has caused serious damage to my credit report and my life style.   XXXX   XXXX   has reported incorrect collections account for a court judgement which has already been paid. This information needs to be verified and deleted off my credit report as a collections account.
*the attached screen shot shows the libelous remarks reported by navient after the loans were closed due to being pd in full through the consolidation* This company repeatedly puts remarks on my reports that are libelous and false. They have reported after my loans were Consolidated from them to another lender that I disagreed with the results of the investigation when in fact I did not. I feel that this is retaliation for me filing a previous complaint with this organization against navient and I'm about ready to allow my attorney to file a criminal suits against navient for libel and violation of the Fair Credit Reporting Act for reporting false information to the bureaus. I have asked this organization on numerous previous occasions to not report false libelous information to the bureau 's and yes they continuously time and time again do so which I feel is retaliation and I'm about to retaliate against them myself by way of a lawsuits and a very negative media campaign.
The company Dynamic Recovery Solutions has placed a collection on my credit report and also calling me everyday. It says that it is a collection from XXXX XXXX hospital from 2008. This the XXXX that I 've heard of this. They swear that it 's me, but it 's not. There are 3 other people in this city that have the same name as I. They do n't even have the correct address for me and I 've been in my same house for over 15 years.
Loan amount does not match with original settlement amount. Original loan was an XXXX loan with XXXX that then was sold to XXXX XXXX XXXX. XXXX XXXX XXXX consolidated XXXX loans into XXXX. Then the loan was sold to Greentree, who is the current loan holder. Now they say there is still XXXX loans for my mortgage and the XXXX mortgages original amount is more now than its original amount of loan when I purchased home.
On XX/XX/XXXX I received an insurance check for a roof leak. This check was for {$5600.00} and the adjuster report shows predominantly painting and mold prevention. Damage began in XX/XX/2018. I immediately mailed the check to my mortgage company, Arvest and made an appointment with my painter to repair. The mortgage company is on the check along with my name. I also signed a form they wanted and included the adjuster report. Currently they will not answer my e-mails. I've cancelled my painter twice. I have never been even a day late on my mortgage payment. Please help, I need these black spots on my ceiling repaired. Their e-mail is XXXX. Phone is XXXX. I've spoken to them and they told me the check was put in the mail on XX/XX/2018. I do not have a check.
I have has trouble in the past as well with Equifax. 
There is another person with the same name, approx 10 years younger, lives a couple streets over and obviously different as number and birthdate. 
I was recently denied credit and shown a much lower credit score than expected. The reasoning for denial seemed to indicate things that do not belong to me. 
I once again can not access Equifax due to them XXXX our information. 
Unfortunately when resolving a similar issue with them only 2 years ago they stated they only verified name and a street and linked us together. No date of birth or ss number.
On XXXX XXXX, 2018 I initiated a transfer to gdax of ~16 LTC . According to coinbase the XXXX LTC was received and automatically transferred to GDAX. However, on the GDAX side there is no record of the transfer. So now the LTC is not on the Coinbase side or the GDAX side. According to their documentation the transfer of assets between Coinbase and GDAX should happen instantly. I waited 5 hours and then opened a support ticket. I have not heard anything regarding my support ticket and have not received my funds as of XX/XX/XXXX. 

Since their has been no communication to about this issue that is happening to numerous people ( see gdax XXXX ) or answering support requests, I can only assume they are  either unwilling or unable to return the assets.
I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX - XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by or at this company to make any inquiry or inquiries and view my credit report. XXXX XXXX - XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records.
I contacted yesterday, XXXX XXXX XXXX, to settle this account which I am not refusing to pay, but they state they can not accept a payment plan. This account is affecting adversely my credit score and my intentions to purchase home. I am willing to establish a payment plan but they refuse and they threat me to foreclose on a time sharing property I have never used. They have incurred in high pressure and predatory tactics.
I have a checking account with Bank of America since XXXX and Credit card since XXXX. And I have an excellent credit history. My checking account has a overdraft protection enabled via the credit card account. This month I wrote a check to pay property tax and it so happened that my checking account did not have enough funds. And my credit card was overdue and hence the overdraft did not kick in. I agree I forgot to make the minimum payment for once. But I was never notified via their website on my accounts page that my overdraft protection will not kick in since my payment is overdue. It still shows it is linked but just that it is not of any use. They carelessly rejected my check, without notifying me in anyway about the overdraft status, in spite of all the history of transactions I had with them for over a decade and offered no help to correct the situation. Had they indicated the fact that overdraft protection is not going to help me, I could have acted differently.
I can not keep up with my payments, barely getting by Paycheck to Paycheck, my Account has been constantly negative & I did not know the State of Oregon does not allow Online Payday Loans. I contacted to State of Oregon regarding this matter & they suggested contacting this Agency via Website. It is an XXXX for Online Payday Loans called Greenline Loans https : //www.greenlineloans.com The Consumer Protection - Oregon Department XXXX recommended that I contact this agency.
I received two unauthorized charges on my debit card. XXXX has already flagged the account for fraudulent activity, and provided me an incident number : XXXX XX/XX/XXXX Check Card Purchase XXXX XXXX, XXXX, US - {$130.00} XX/XX/XXXX Check Card Purchase XXXX XXXX, XXXX, US - {$180.00}
In XXXX 2014, we bought a TV from Conns XXXX with an offer of 0 % interest if we paid in 24 payments ( months ). We divided the total amount including insurance into equal payments which we automatically paid off in 6months ( XXXX 2014 ). A year later, we received a non-dated letter offering us an increase in credit line because of our " positive payment history ''. At the same time the letter shows a current balance of # XXXX. So we called the company to find out what was going on. The customer service agent said to ignore it if it did not have an account number. It was a way for them to market their products. Our deal with them was over a year ago. However, right after our call, their collection department started calling us and leaving urgent messages. We called again and they said we owe them {$24.00} insurance. We said we do not have the paperwork that is already old and for us paid off. We asked for a written correspondence with explanation of this amount. It has been 3 weeks since we asked for this and nothing came in the mail. 
Starting on XXXX XXXX their collection Department put our home number and a mobile phone on a 2 hour robocalls and we have been receiving those calls from about XXXX in the XXXX till XXXX in the XXXX. 
We attempted to block the numbers but they kept changing numbers. We are now at XXXX local numbers and XXXX XXXX number. 
We appreciate any help you can provide and advice for the next step to stop this merchant from harassing us. 
Respectfully.
I was affected by the Equifax data breach. My personal information has been confiemd to be have been compromised. This includes name, DoB, SSN, State ID/DL #, address and potentially credit card numbers.
1. XXXX admits that it did not process my earned income tax repayment plan paperwork when they received my direct loan consolidation. 
2. They have no explanation for why my paperwork was not processed. 
3. As a result of this, my loan automatically was classified under a standard repayment plan. I did not know this at the time, though. 
4. My account statements were going to an email address that was no longer being used, so I did not catch their error in time. 
5. My credit report became affected. 
6. I was promised over the phone that was loan consolidation was final and that my payment would be zero dollars. 
7. When I found out what was actually happening, I asked a representative to pull up my phone calls. They claim it is not possible to review calls past 90 days. Is this true? 
8. I escalated the issue with a supervisor. I was told they were actively working on this. I was told that " because the paperwork was never processed, they might backdate it, but to hang tight while we sort this out for you. " 8. I left the issue alone for a week to allow them enough time to correct the error. 
9. I never heard back as was promised, so I naturally called in asking for an update. I was told " your credit report was not affected and we took care of this for you. '' I said, " Great. That 's a relief off my shoulders. '' The rep said, " after review, though, it turns out because of XXXX loan you had in the past, you instead qualified for the income based repayment plan and were given those repayment terms. '' I clarified several times on the call that my future monthly payment of XXXX. 
10. I left the issue alone, because I thought the issue was settled. It was n't. My credit was reported as reported being past due. 
11. I called in, again, and the rep still maintained that my credit was not adversely reported. I pressed them on this, stating that I was looking directly at my report, and the rep eventually admitted that this was true. I also found out that I do, in fact, have a monthly balance due every month. I requested at this time that a previous rep informed me that my balance would be XXXX, and formally requested that the previous call be reviewed. 
12. During my last phone call with XXXX, a supervisor told me that this is " still under review. '' I asked her " why do n't I have a past due balance? '' She stated " you were given an administrative forbearance. '' I replied, " I did not ask for this. Why would XXXX do that? '' She stated that " it was done to rectify what happened on the account but that is still under review. '' I said : '' Well, it 's either my fault or it 's not. Either my credit report gets reported accurately or you come after me for the past due balance. I do not want a middle ground. It 's not fair to hold me accountable for a past due balance that you had no intentions of holding me to after admitting you never processed my paperwork. " The only answer I have been given so far to justify the adverse credit reporting is " you should have caught our error sooner. We sent out statements. ''
On Tuesday XXXX XXXX, 2016 I lost my debit card shortly after leaving the bank. It took a couple days for me to realize my debit card was missing and when I called the bank the following Thursday or Friday to report my card missing I was informed that over {$1800.00} had been fraudulently charged to my account. At first the funds were credited to my account but then about 2 weeks later I recieve notification that the charges were not made in error and that I was responsible. Then the bank reversed the funds out of my account and left my account balance in the negative. I filed an appeal to their decision and did everything they instructed me to do and they still refused to cover my fraud claim even though their policy is 100 % Fraud Protection. When I refused to pay the negative balance now owed to my account as a result of this injustice, the bank went ahead and filed a negative report on my credit with XXXX XXXX. I found this out today when I was applying for a business account at another bank and was DENIED due to this erronious reporting. First they promise total fraud protection, then they break promise and take my money, and now they attempt to ruin my otherwise perfect credit. I 've accepted my fate and ignored the fact they STOLE over {$1800.00} from me but now reporting negatively on my good credit is where I draw the line.
I purchased a home through XXXX XXXX with my loan payment, taxes and insurance totaling $ XXXX/month. They sold the loan to PennyMac who a year later raised my rate t0 {$730.00}. The only explanation I received for the increase was " Escrow Analysis ''
XXXX XXXX reporting things about my credit that is inaccurate and things they should not be reporting! 

why/how are they in business?
I have a loan with AMERICAN HONDA FINANCE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and AMERICAN HONDA FINANCE with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.