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/ 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, XXXX  and XXXX. 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 cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX cc : PA Banking and Securities
I had 2 open Accounts with Tower loan, due to uncontrolled circumstances I was unable to pay the balance owed on the accounts. however, I was sued and my wages were garnished. The account ended up getting paid in full. on XX/XX/2015 a cancelation letter was mailed out that my account had been satisfied and there was no need to take anymore of my wages. As of today, tower loan is still reporting on my credit report that I have a balance with them and I DONT. I was actually sent refunds for the above mentioned account.
I received a phone call on XX/XX/2015 at XXXX XXXX from a case worker wanting to serve me papers named XXXX XXXX. He said it was from XXXX ( XXXX and XXXX ) at XXXX with a case # of XXXX in the California Court system. He also call me on XXXX at XXXX XXXX again saying I did not call the # he gave me. 

I called XXXX on XX/XX/2015 at XXXX XXXX and the person on the other end said it was from a Providian credit card debt and they were going to serve me court papers to start the collection process. 
He also said they were going to put liens on my home loan and auto loans if I did not work with them. 

This is an old non collectible debt the has past its statute of limitations over 4 years ago. 

When I explained that I understood my legal rights and the statute of limitations on old debts he got quite. 
I also stated that I did not believe that this was a legitimate case and that this was all untrue. 
He immediately got off the phone and hung up on me. 

All of these conversations were calm and collected in a professional manner. No threatening or rude behavior from either of us.
I am including a copy of my contract with Hyundai Motor Finance. They have yet to remove the late on credit file and as you can see from this contract, It does not say they have the right to apply late charges first, and show late on my Bureau. It only says about Finance Charge. I want this taken care of ASAP.
Ive contacted the company numerous times to try and resolve this matter I submitted deletion letters from XXXX, XXXX, XXXX and XXXX XXXX XXXX instructing that the accounts are fraudulent and to furnish me info on how they are verifying the info. Experian refuses to cooperate with me violating my rights as a consumer to disputed errors on my report. Theyve block the access to dispute these accounts for fraud as well as gettington bank and applied bank these are also fraudulent accounts enshrined refuse to investigate them and they have not mailed me a copy of my report. Ive disputed on XX/XX/17 XX/XX/17 XX/XX/17 XX/XX/17 its been more than 30days now and they havent updated my report to reflect deletion of these fraudulent accounts
This letter involves the collection of a debt, Chase Bank received timely payments every month from me the account holder the XXXX card ending in XXXX was open since inception but balances for an unexplained reason was only drawn for the minimum payment. It was discovered that the " pay in full option '' was not correctly implemented and interest profits had accrued to over {$1900.00}. 

{$690.00} was refunded but outstanding debt in the amount of {$1200.00} remains unreimbursed. 

Accordingly, demand is hereby made that you remit full payment in the amount of {$1200.00}. 

Please forward certified funds in the sum of {$1200.00} to the undersigned, made payable to XXXX XXXX XXXX or refund this amount to the credit card balance. 

I should mention that I have spent countless hours dealing with miss routed mail and calls to Customer Service including several " disconnected calls. '' During every engagement, I have been extremely polite and respectful but calls from the Executive Offices have mysteriously disconnected on three occasions.
I have called and mailed XXXX, Experian, XXXX, and XXXX XXXX XXXX XXXX regarding this account on XXXX XXXX, XXXX.
I sent XXXX XXXX a certified letter disputing an account on my credit report X/XX/17 which they signed for X/XX/17 at XXXX XXXX. They responded with an itemized bill dated X/X/17 but no evidence bearing my signature. Therefore I sent them a second letter X/XX/17 which they signed for X/X/17 at XXXX XXXX. requesting they provide me a description of the procedure used to determine the accuracy and completeness of the information. They have not responded as of X/XX/17 making it 22 days after receiving my second letter. I have made two goodwill attempts to resolve an issue concerning an inaccurate account on my credit report placed there by XXXX XXXX. I have disputed item requesting validation or a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. They have failed to provide me with a legally binding contractual obligation to pay them the alleged amount of {$930.00} per the bill sent to me. My credit reports from all three credit bureaus show an amount of {$930.00} on a closed account listed under XXXX XXXX. I emailed the XXXX CEO XXXX XXXX his companies failure to provide me information and failure to mark disputed on my credit report. He agreed to look into the matter only to send me another bill of items listed. Failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will eventually result in a small claims action against their company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) In addition to not providing me with evidence bearing my signature they did not furnish the credit bureaus with the required disclosure, within the period required by law. XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/2017 at XXXX XXXX. It has been over 60 days and still not dispute. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ). Responsibilities of furnishers of information to consumer reporting agency. ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
Home was originally purchased in XX/XX/XXXX, loan financed for $ XXXX, with Navy Federal Credit Union. I am a XXXX Veteran, however I have never utilized my VA mortgage benefits. I was injured on the job as a XXXX XXXX, which has affected my finances tremendously. I have requested assistance from Navy Federal with lowering my monthly payment, due to unstable income, when family medical leave is taken due to my ongoing medical condition. However, the modification rules have does not allow for my mortgage to be reduced, which I do not understand. I have received 2 modifications, last one in XXXX, yet I have never been offered a lower interest rate, reduction of the principal ( despite my home value dropping drastically in XXXX ), forgiveness of late fees or arrearages. Last modification my loan was extended from 30 to 40 years, yet payments about the same. The rules seem to require a surplus for the modification to be granted, yet a surplus means disqualification for a lower monthly payment. As a veteran and a XXXX XXXX I have served my country all my life, and now I need help, yet the rules prevent Navy Federal Credit Union from lower my monthly payment, while allowing them to foreclose on my only home and auction it off or short sell it to someone else when I have made years of monthly payments. I have to submit years of tax documents to qualify for the modification, yet my determination is based on 1 months, check stubs, and if I do not have a surplus the modification is denied, if I have a surplus, I am offered a payment plan hundreds of dollars hired than my original mortgage I am currently behind on. At no point have I been offered a mortgage reduction of any kind, therefore no help for me. I provided a hardship letter and a letter from my physicians, explaining my medical situation, however the rules prevents the Navy Federal Credit Union loss mitigation specialist from providing me an option that would lower my monthly mortgage and allow me to remain in my home of 11 years. Late payments on my credit report, and lack of rental history affects my ability to move, so it seems I will be added to the homeless veteran list. These rules and practices are unfair and bias at best, who investigates to determine if profits are being made from the programs supposedly created by the government to assist those of us who are requesting assistance. What qualifications are required to receive a reduction in interest rate, reduction of principal or forgiveness of late fees or arrears, because I want to keep my home. However I was told I only qualify for a payment plan I know I can't afford, so I asked about the Deed in Lieu, rather than foreclosure, only to determine I will not be allowed to utilize my VA home benefits for 2 years once the deed is signed over.
Inaccurate addresses reported never lived here XXXX XXXX XXXX village XXXX NC XXXX Balancing XXXX XXXXt XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX Card # XXXX XXXX XXXX XXXX # XXXX The information listed has no relation to me I have not entered any agreement with any agency listed. Nor am I connected with theses inaccurate addresses.
Bonneville Collection Agency is trying to collect a debts from XXXX on XXXX court fines that were paid in XXXX. Unfortunately I threw out all records of payment about 2-3 years ago. Since no one had made any attempt to contact me in 10 years, I was certain the matters were closed. The amounts of the fines originally were between $ XXXX {$500.00} and now with 12 years of interest accrued are around {$1500.00}. 

On speaking with the representative originally she acknowledged that at least XXXX of the files was so poorly documented that she could n't understand what was owed. She also told me that it actually appeared to her that I should not owe anything to her and she would have someone else look at it. I was just contacted again and told that I needed to pay the full amount, but I refused.
I received a {$25.00} parking ticket from XXXX the company that purchased the rights from XXXX XXXX. My bank sent the check for the {$25.00} parking ticket which was delivered on XXXX/XXXX/XXXX. XXXX refused to acknowledge receipt. XXXX assessed an additional late fee of {$25.00}. XXXX eventually acknowledge the receipt of the {$25.00} and waived the inappropriately applied late fee. They then sold the non-existent {$25.00} debt to Professional Account Management LLC ( PAM ) who attempted to collect the waived late fee. On XXXX/XXXX/XXXX I informed PAM that the debt was non-existent and that they needed to go back to XXXX as they sold them a non-existent debt. Nothing was heard from PAM until XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX PAM once again attempted to collect the non-existent debt. I informed them of the history. When the collector refused to look for the file I requested to speak to a supervisor. The collector then hung up the phone.
My house was wrongfully sold in foreclosure during loan modification, I have received jgmt for amount usbank bought the house back for after erroneous foreclosure sales. Principal at time was {$70000.00} and did none of the credits from XXXX/XXXX/XXXX of {$3200.00}. For loan modification as stated in phone call XXXX/XXXX/XXXX XXXX XXXX with usbank and following calls with XXXX XXXX. And {$820.00} XXXX and {$4900.00} for XXXX modification. I have requested several times what {$21000.00} RCA fess itemized. It looks like they have added sale figures back to principal on modification papers for sales principal of {$92000.00}. Please go over figures and they have told me they added the past due onto the principal which is wrong figure. I started filing application for loan modification since XXXX. They have dragged their feet for 7 years due to farm loan and made the expenses what they are today. My husband lost his job and is why we fell behind on the note. My husband has since been XXXX and we are still going rough that process.
This loan defaulted at a time when I was still in deferment in all other student loans. The company was impossible to communicate with and instead put my loan into default and his since issued a judgment. Every other student loan I have is current.
The company continues to take actions on my account that make my payments ineligible to count towards PSLF. 

In the Spring of XX/XX/XXXXI called because despite my IDR plan application being processed and being given an amount to pay each month they had me owing XXXX dollars more than what I qualified for. I called several times each time being told they didn't have answers for me. My account was overdue for 5 months until I filed a report with CFPB. 

Most recently, in XX/XX/XXXX I called to have paid ahead status permanently removed from my account. In XX/XX/XXXX they put my account in paid ahead status 3 times each time I had to call and have it removed and that monthly payment didn't qualify towards the PSLF because of it. Again, in XX/XX/XXXX they have placed my account in paid ahead status and my payments have not counted towards PSLF. I have called several times this year to have the paid ahead status permanently removed to be told it has been removed and then each month it still showing up on my account.
While I was in school, I believe my student loan servicer, NelNet, recommended that I put my account into forbearance. I contacted NelNet to provide the dates when my student loans were in forbearance but I received communication stating they could not provide this information. I need assistance to obtain this information, as I think I was wrongly told to put my account into forbearance when I was in school.
Rushcard users like my self have ben waiting on there deposits for over 2weeks. I usually get some of my check from my employer. To cover gas or food during the week. An maybe pay my phone bill. But the card is now inactive an it does n't have my direct deposit on it. Im confused.
AFTER RECEIVING A COURT ORDER TO REMOVE A CHAPTER XXXX FILING CASE XXXX  XXXX XXXX XXXX XXXX ORDERED A NOTICE OF WITHDRAWAL FORTHWITH FROM ALL PUBLIC RECORDS. THE THREE MAJOR CREDIT REPORTING BUREAUS HAVE NOT REMOVED THIS PUBLIC RECORD EVEN AFTER THIS HAS BEEN ORDER BY THE FEDERAL BANKRUPTCY COURT CENTRAL DISTRICT.ALL 3 MAJOR BUREAUS GO THRU THIRD PARTY VENDORS AND ACCORDING TO THE FCRA ANY THIRD PARTY VENTOR VERIFYING A CONSUMERS PERSONAL INFORMATION MUST BE IDENTIFIED .AND NONE OF THE BUREAUS FOLLOW THE GUIDE LINES SET BY THE FCRA.
Opened a Brokerage+ Checking account with XXXX XXXX as my employer uses this broker for equity awards. I see two hard credit pulls on my credit report to open this one account. I didn't authorize the second credit pull. On contacting the customer verification team, I was told that the second pull was a mistake and that a request has been forwarded to the team 's manager to look into it/fix it. The turnaround time promised was 7 days. It has been almost two weeks and there have been no updates.
On XXXX XXXX, XXXX I submitted correspondence to Discover Card because of suspected fraudulent activity by the bank. They have refused to address my concerns by remaining silent and have continued to seek payment and report missed payments on my credit reports hurting my scores. Attached you will find the letter I submitted to Discover Card on XXXX XXXX, XXXX.
I recently renewed a XXXX XXXX Credit Card. On the public website it explicitly states the payment terms are XXXX XXXX. This is not in compliance with the XXXX days which are required to let the consumer pay their bills. I believe a reasonable person would look at this and ascertain this is a continuing violation of the CARD Act of 2009.
I initiated a dispute with XXXX, XXXX, and Transunion XXXX XXXX, XXXX for the following items : XXXX XXXX and XXXX. XXXX was formerly known as XXXX XXXX. These items were scheduled to come off my credit reports a few months ago being that they are over XXXX XXXX XXXX ( DoFD was XXXX XXXX, XXXX for XXXX ), however all three credit bureaus stated that they conducted an investigation and the items were verified. The items being verified was not the reason for my dispute, in addition I called both XXXX and XXXX to verify that an investigation was actually conducted and both company representatives stated that they did not verify nor report to the credit bureaus because the accounts are old and due to expire. All XXXX credit bureaus are reporting erroneous information in regards to when the first delinquency was reported except for Transunion, however they did not remove the old item either.
I continue to have problems with XXXX XXXX XXXX and Quality Loan Service in XXXX XXXX. Their latest move is to reschedule a foreclosure sale to XX/XX/XXXX but they have scheduled it to be held in XXXX, CA, instead of XXXX XXXX, CA, which is not what is stated in the NOS. This is a violation of CA Civil Code 2924g. In addition, I have been unable to locate where notice of the sale has been published. In addition, they dates on their website as to the dates of the NOS and NOD are incorrect.
The guy claimed to be from reliable or pursuing the debt from reliable, saying he was at one of my references addresses trying to deliver legal documents for a civil court matter regarding my debt. I told him, I spoke with someone about this matter already, I have had numerous threatening AND harassing phone calls to friends and family and my employers and this needed to stop. He said he had the right to pursue it and told me if I do n't pay this debt right away and acknowledge what I owe then he was going to wait for me at my job and hand deliver these documents and I would have no choice but to accept. I told him this is a debt NOT criminal and for him to be harassing me at my job is unacceptable. He said he would see me at my job and we hung up.
Hello, I recently looked on my XXXX XXXX Account and noticed a few hard inquires with my profile. 

1 - XXXX/XXXX - This was approved by XXXX and I should not have any hard inquiry with this card as it was approved and not declined. Please remove this from my credit account. 

2. XXXX ( XX/XX/XXXX ) - XXXX will not list that this will affect your credit score, nor did I apply for paypal credit. They've not provided information on what this was for and I would like this removed as well. 

3. Prosper XXXX ( XX/XX/XXXX ) - I did not apply for any loans, I did look at loan " offers '' through XXXX XXXX, but I did not apply for any to pull credit information from my account. 

4. XXXX XXXX. ( XX/XX/XXXX ) - I had a secured card from XXXX XXXX, therefore this should not effect my credit score, I did not apply for any other card besides the secured card that I had opened. 

Please remove these from my account.
I sent letters to the 3 major consumer reporting agencies on XX/XX/XXXX and XX/XX/XXXX asking that they remove or block all accounts and inquiries that were showing as a result of fraud. I asked that if any accounts were verified that the proof be sent to me, my request were not honored.
I have applied for a 30-year fixed refinance on my variable mortgage loan to the bank who has been caring my existing loan for the past 9 years. My payments have never been late during this time. However, I was declined based on " delinquent accounts, '' and " many inquiries. '' In 2011, after the mortgage crash, I was forced to short-sale XXXX of my XXXX homes. And, these short-sales caused me a tremendous drop on my credit rating ( from XXXX to XXXX ) despite my credit history. 
My next question is the following : Why if I have been checking with banks for lowest mortgage rates, these inquiries have recently caused my credit points to drop from XXXX to XXXX when I had not done any credit application, have only looked for information on possible refinancing, and have paid off many of my accounts including my car loan? Why should the consumer be penalized when looking?
A debt collector from XXXX contacted my husband and shared with him that he was attempting to collect a debt. Told him the amount of the debt. The call took place on Wednesday XXXX XXXX 2017 around XXXX XXXX EST. The debt collector never verified who it was that they were speaking with - never asked my husband to verify that he was myself. The debt collector just offered up my personal information.