WillisBack/dataset-financial-user-claim huggingface dataset:
Responding to your letter again. I notice you guys said " you will not respond to addition inquiries. '' Sorry but you're legally required to and you WILL respond to this letter as well otherwise the CFPB will fine you = ). The first point I'd like to address is that you said " you called us at this time. '' Keep that in mind for later when I bring something else up. Yes I did advise I did not have my phone at work ... because when I work I tend to not have my phone available so that statement is 100 % true. I was asked if I had the phone while working technically I didn't have it while working so that's why I said no or I don't know. And no I wasn't sure if I had my wallet or phone because I put the items inside a baggie with my lunch. I assumed I had my items in the bag so that's why I said I put my phone / wallet in my locker. And yes my wallet did feel lighter missing 4 cards. ( 3 credit cards and ID ) I know what my wallet feels like in general so when I pick it up I'm aware if its lighter or not. And yes my phone was visible in my locker when it should have been put away so clearly I could tell somebody used it / moved it. Oh and whats this that I'm reading that I explained in previous complaints ... XXXX CT and XXXX CT? you mean XXXX XXXX Pacific time like you told me before seems you're writing down misleading statements and that seems to uphold my story even more you say " this information does not support the claim my items were stolen from my locker. '' It justified it even more.. Nice job digging a hole for yourselves. and in your final statement you say " all calls located and reviewed reflected that the person calling was able to pass one or more of our verification procedures '' What do you mean ( that the person calling ) was it me or " that person '' you seemed to refer to myself earlier in your statement you said YOU now its " that person ''. I also would like to put on the record XXXX XXXX that YOU told me the person failed my social and didn't know my password you also told me to drive to the XXXX store to get my money back. You said you spoke to the security team and that they're going to refund me. XXXX store said they had no idea what you were talking about so did you make it up? Did XXXX security say I should get a refund for my card being stolen? Very contradictory. 
Lastly in addition to all this I had 3 Citibank cards stolen from me and used I got my money back on 2/3 of these cards. How you can give credit back to 2 cards but not the 3rd when I made the same claim for all these cards? Its like saying my home burned down and everything is covered but the bathroom just because ...? 
You WILL respond to this letter don't ever tell me you wont respond to further inquiries I'm going to make sure you guys spend, spend, and spend on this investigation probably already $ XXXX Deep, lawyer gunna cost you at least $ XXXX $ XXXX for trial. If I don't like the response Ill file another complaint. So far this response is EXTREMELY contradictory and a judge will be confused about why you are lying about this times the cards were used and why you refunded 2/3 cards. Respond within 15 days ... Get cracking .... = )
I was involved in minor accident last year in XXXX my insurance company denied my insurance so the other deiver 's insurance company given that right to debt collecting agency to collect the damage of that vehicle of their client so I asked them for estimate of damage they send me the esitame and that was almost {$1800.00} I doubted that because that damage was very little few scratches so i reported that incident to state insurance commission they send me the file of whole claim and what I noticed that the pictures of car they used to make estimate was totally different an accident I was involved that car was XXXX XXXX and they used the car XXXX XXXX to made wrong estimate in between all those time they kept call me pay us withing this time limit otherwise we will report you to secretary of state and get your license suspended.so I called the insurance company they were representing that you provided the wrong facts and I told them I am not gon na pay the amount you are showing in the estimate because you provide the wrong facts so they start making settlement that ok pay {$500.00} to the debt collecting agnegy that representing us I was so overwhelmed because they keep threatening me to get my driving license suspended and I was tired of all those phone calls and Mails.so I paid them {$500.00} online through credit card they told me we will mail you payment receipt in a week its been 2 month I have not received my payment receipt I called them last week they denied to give me my payment receipt in the meantime once I paid them after a week I received a letter from the insurance company that represented by this debt collecting agency that we are sorry that debt collecting agency sent a wrong images and they use wrong vehicle for making estimate and when I debt collecting agency about my receipt last week and they didn't have any record of the car that was involved In accident still they were asking me that you were involved in accident with XXXX XXXX and that's not true.so in this case what I feel that they misrepresented the information yo collect wrong amount from me because my insurance company already denied claim so they knew that we are collecting damages from an individual so how that individual is gon na investigate all those stuff but the luckily I reported that to state insurance commission and I caught them misrepresenting the information. Please help me to take an appropriate action against them Thank you
J.P. MORGAN, CHASE BANK N.A. IS A FURNISHER TO XXXX XXXX XXXX XXXX ( XXXX ). XXXX IS A VENDOR OF CHASE AND CHASE IS A PART OWNER OF XXXX. XXXX IS A CREDIT REPORTING AGENCY FOR CHECKING ACCOUNTS. 

QUESTIONS THAT REMAIN UNANSWERED BY CHASE ACCOUNT WAS CLOSED ON OR ABOUT XX/XX/XXXX : WHAT WAS THE DATE THAT CHASE REPORTED TO XXXX? 

WHAT WAS THE REASON THAT YOU REPORTED TO XXXX, WHY? 

DID YOU PROVIDE TO ME ( CONSUMER ) A NOTICE OF ADVERSE ACTION TAKEN, BEFORE YOU REPORTED TO XXXX? 

IS CHASE BANK LEGALLY REQUIRED TO REPORT TO A CRA OR IS IT VOLUNTARY? 

CHASE HAS REPORTED TO XXXX A NEGATIVE ACCOUNT CLOSURE, WHAT WAS THE NEGATIVE REASON? 

WHY DID CHASE REPORT TO XXXX AS OPPOSED TO THE OTHER CRA 'S? 

CHASE REPORTS TO XXXX AT LEAST EVERY 30 DAYS, AND CHASE HAS BEEN REPORTING TO THE CRA XXXX FOR 10 MONTHS AS OF XX/XX/XXXX WHY? 

CHASE HAS IN PROMISED ( VIA SEVERAL LETTER ) TO REMOVE THIS REPORTING FROM XXXX, WHY HAS IT TAKEN 10 MONTHS AND COUNTING?
Related case XXXX can TransUnion put up such a fight to remove items from XXXX XXXX XXXX when XXXX has admitted that there is no proof of me being late on this credit card listed on my file? 

How can TransUnion say an they have verified an item with the original furnisher when the original furnisher ( XXXX ) has addmitteed that they do not have a record of me being late? Please see attached recorded call. 

This raises a lot of other issues including, but not limited to FCRA section 623.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 60 days XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
When vacationing in XXXX on a cruise, I took a bus tour to view the XXXX. One of the stops along the tour was to a jewelry store/tourist section that offered free samples of cake and rum. While there, I purchased a XXXX watch and signed all my documentation for this sale. While waiting for the merchant to take links out of the watch, I was persuaded to buy a tanzanite ring as well. The merchant did n't have my size at the store, but told me that they could quickly get it there. After waiting a few minutes, the tour guide told me we would have to leave in order to see the remaining parts of the tour on schedule. Since the tour guide and the merchants seemed to know each other, they suggested that the bus could swing by on the return to the ship to get the ring. After the tour, we did swing by and the tour guide offered to go in and get the ring since I had my XXXX son asleep in my arms. When she returned, she told me that the ring was still not there and that it would be delivered. She handed me a business card with the merchant 's information and I assumed the merchandise would be delivered to my stateroom. Needless to say, I never received it on the ship or at home and after numerous calls, I ca n't get anyone to respond. Now after disputing this charge with Capital One and explaining this to them, a credit was issued and I was told that the merchant would have 90 days to respond. They did respond and with a copy of my sale 's receipt. Mind you, the sale of the ring was added to my original receipt for my watch purchase. Capital One denied my claim and put the {$910.00} back on my card. I contacted them and everyone seemed very understanding and sent it back to the dispute department. I spoke with someone on today, XXXX/XXXX/16 and explained the story again. The rep tried to reach out to the many numerous numbers listed by the merchant with no success to see if we could get this matter resolved. She then spoke with her supervisor to see if the funds could be credited back. Unfortunately, although they believe my story and believe that I never got the merchandise, they can not help me in recovering my money. What is the point of credit card protection?
I signed up for a BBVA Clearconnect Checking account for a {$200.00} cash bonus. The terms stated : Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited.

My account timeline : XX/XX/XXXX : Applied for account XX/XX/XXXX : Deposit was processed to account XX/XX/XXXX : Account was approved XX/XX/XXXX : Initial {$25.00} deposit appeared in account XX/XX/XXXX : {$300.00} Direct deposit from my employer was deposited in account ( 60 days from XX/XX/XXXX would be XX/XX/XXXX) XX/XX/XXXX : I sent a secure message online inquiring about status of the bonus XX/XX/XXXX : Receive response from XXXX  apologizing for the delay, reconfirming the bonus requirements, and now stating it takes 90 days from meeting the bonus requirements.

XX/XX/XXXX: I sent a secure message online XX/XX/XXXX: I again receive a similar response with the bonus requirements, apologizing for the delay, with a case ticket number XXXX  asking me to allow 24-48 hours for a follow-up reply. This message also states that it will only take 60 days from meeting bonus requirements for bonus deposit.

XX/XX/XXXX : I send a follow up since there was no reply after a week.

XX/XX/XXXX: I receive a reply from XXXX  apologizing, claiming a high volume of emails causing a delay in response time, and if I would like to talk to the bank to please call them.
This complaint is based off Administrative Proceeding File No. XXXX I have on several occasions Navy Federal Credit Union have sent me Deceptive Collection Letters and have called me claiming that I needed to bring my past due account of to date or they would be forced to seek legal action against me. Furthermore during XXXX of XXXX up to XXXX XXXX I received paper check that required to be scan deposited due to the fact there were no local Navy Federal Credit Union. Because of the fact a few of my account would become more the ten days delinquent they froze all my accounts including my Visa XXXX Check Card and my Debt Card until I bought that account up to date. I would have to call to get them to remove the lock out and allow me to scan deposit and I would have to bring the delinquent account first or they would lock out all my accounts again. This was very inconvenient as I was in between jobs and also going through a separation that lead to a divorce.
Citibank published a Notice of Trustee 's Sale for XXXX/XXXX/2012 ( attached ) on our property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, a legal action designed to recover their XXXX Trust Deed Mortgage with a lien against our property. The resultant foreclosure did not generate sufficient funds to cover Citibank 's TD. Citibank now expects us to cover the difference in a second debt collection legal action in direct violation of California XXXX Section XXXX ( a ) [ Single-Action Rule ; also attached ]. I brought this matter to the attention of XXXX at Citibank ( direct phone # XXXX ) who responded that after their legal review they do not believe California 's XXXX Rule applies. Please kindly let me know whether or not the state 's XXXX Rule governs here. Thank you very much. 
P.S. I have also attached a letter from XXXX XXXX XXXX ' Office, California XXXX
On XXXX XXXX, XXXX I filed with this site complaint number XXXX regarding the RESPA I sent to JP Morgan XXXX XXXX. The excuse for this JP Morgan XXXX  XXXX not responding was that there was active litigation. The attached is proof there is none. I am requesting this complaint be addressed and answered now. Please see attached dismissal of XXXX XXXX XXXX Court case # XXXX has been dismissed. I am demanding JP Morgan XXXX  XXXX now respond to this RESPA in FULL. I have seen the note and mortgage for presentation, but nothing else.. This RESPA needs to be answered in Full now.
The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX Mortgage that has been discharged and the other from Green Point Mortgage a division of XXXX XXXX Bank and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX XXXX XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX XXXX XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.
Bank Of America is covering criminals who took my money. I have visited and called BofA many times and all I get is run around with NO results. BofA is helping and covering criminals. I need to know who can help! I need help to get my money back from BofA customer who they helped to still my money.
Experian does n't want to delete all the negatives collections and Unauthorize hard inquiries and negative accounts that are closed after Bankruptcy Chapter XXXX after it was discharged by Federal XXXX, Texas on XXXX XXXX,2016.
There should n't be no negatives like collections or creditors open accounts like XXXX XXXX credit cards, all account on credit reports should be deleted. The only creditors that should be displaying on my Experian, XXXX, XXXX should be XXXX XXXX XXXX and XXXX XXXX XXXX.
All other creditors was included on bankruptcy chapter XXXX and Experian data should delete all discharged creditors.
Experian is in violation of my ADA Disability Act Civil Rights under the Department of Justice and Federal Bankruptcy Laws.
On XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX submitted a hard inquiry for Auto Financing. I had recently applied for auto financing on XX/XX/XXXX and was aware of that inquiry. I 'm not sure why it happened but I did n't authorize the inquiry on XX/XX/XXXX and was no where near a dealership to give that authorization. Shows up XXXX report
On XX/XX/2015, Helms Associates responded to a complaint I filed via CFPB and advised me that they would delete the tradeline off XXXX credit report. I have a copy of my XXXX credit report dated XX/XX/2015, an Helms Associates is currently reporting this account to XXXX and updated this account on XX/XX/2015. This account should have been deleted not updated on my credit report. Helms Associates are in non-compliance. This is Helm Associate exact response from the complaint I filed XX/XX/2015 and their reponse on XX/XX/2015 " This is in response to the above-referenced complaint, which was forwarded to this office on XXXX XXXX, 2015, and assigned Case Number XXXX. '' " After a thorough investigation, our records indicate that the last direct contact with XXXX XXXX was XXXX XXXX, 2015, at which time he wanted to voluntarily surrender his vehicle. Since then, we have no record of the customer attempting to contact us directly, in regard to a validation of debt request ''. " However, we did receive a request from XXXX on XXXX XXXX, 2015, requesting the accuracy in reporting of XXXX account ''. 
" After reviewing the information provided from XXXX and our own internal notes, we responded on XXXX XXXX, 2015 stating that the information previously provided was accurate ''. " Even though we believe we acted appropriately as authorized by contract or law, Helm Associates will grant, as a goodwill gesture, XXXX XXXX desired resolution to remove our trade line information from his credit report ''. " Please be advised that XXXX is our only credit reporting agency ''. 
" We pride ourselves on working with the customer to resolve any issue brought to our attention ''. " As always, Helm Associates makes every effort to fulfill all reasonable requests ''. " If I could be of further assistance, please do not hesitate to contact me ''. 

" Respectfully submitted, XXXX XXXX, XXXX XXXX ''
The issue first began on XXXX XXXX when the company tried to switch to a payment system with XXXX and ran into a technical malfunction. Since this has happened I have had no access to my monies. No access to my account what so ever. I ca n't access the website, I ca n't access the mobile app and when you call customer service you either wait on hold for hours and then get hung up on or you get hung up on right away. I have had XXXX major direct deposits go in there and I ca n't have access to them. They were suppose to be looking into this but at this point no one has returned my call and no one answers the phone.
I called my credit card company and asked why I have paid over XXXX a month and only XXXX go toward my balance. The women responded that I 'm being charged interest even though the account is closed. I asked her how can they do that she said she do n't know. I just wanted to know if they can do this?? I have been paying back the money i owe for over a year now and my balance was XXXX when I started paying back.. it is now XXXX. Please help me because if they are not suppose to be adding interest I would like to know. I have every intentions of paying back the money I owe but do n't want to be cheated while doing it.
XX/XX/2017, I sent Equifax a request for verification of proof on the following accounts in the attached documents. Especially on an account named XXXX XXXX. I NEVER received an update on the investigation status! I recently pulled my credit from Equifax this year and saw that some of the accounts were deleted. I NEVER RECEIVED notification of an update on my request nor a status on an investigation. So they are 30 days OVER-due.
I have dispute this account and they have not provided proof that I owe said amount or contract from there client show I agreed to pay said amount with my signature, but they have report to my credit report as a finial and only notice they will receive : if they don't provide a written contract with my signature I don't consent for them to get my medical report for that doesn't validate a debt nor does a itemized statement the contract should comply with Oklahoma truth in lending laws which requires a signature on a contract amount disclosed for services finance charges if any amount due. 

I do intent to file in Oklahoma court and sue for {$1000.00} per report that its been place on credit repoert
Im having a problem with XXXX XXXX XXXX states that they own the debt and they are reporting inaccurate information and I also want to send me proof of purchase and license to collect on my state
i recently requested a copy of my most recent credit report. I noticed a collection account placed on my credit report that was listed as charged off and had been placed in collection. At this point i sent the collection agency a letter requesting validation of the alleged debt, because i was unaware of any outstanding medical bills that i owe, and i requested detailed break down. I also indicated in the letter that i am allowed under HIPPA law to protect my privacy and medical records from any XXXX parties. Because i did not give permission to have my file released. The collection agency then sent me a validation letter, with an enclosed statement from the original creditor XXXX.
This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. WESTLAKE FINANCIAL SERVICES has been reporting incorrect information on my credit reports. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to WESTLAKE FINANCIAL SERVICES, which was received by the company on XX/XX/2018. On XX/XX/2018, WESTLAKE FINANCIAL SERVICES sent me a copy of an alleged Retail Installment Contract, which was received on XX/XX/2018. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting description of the procedure used to determine the accuracy and completeness of the information that was sent to me. I also requested the name, address, and telephone number of each person who personally verified this alleged account, so that I could inquire about how they verified without providing any proof. This follow-up certified letter was received by the company on XX/XX/2018. 

On XX/XX/2018, exactly 31 days after the receipt of the certified dispute letter was received by the company, I pulled my credit reports again, only to reveal that WESTLAKE FINANCIAL SERVICES had violated the Fair Credit Reporting Act, FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not properly providing the credit bureaus with proper notice within the required 30-day timeframe. 

Therefore, on XX/XX/2018, I sent a certified dispute letter alerting the company of such violation, which was received by the company on XX/XX/2018. As of today, XX/XX/2018, WESTLAKE FINANCIAL SERVICES has failed to comply with the laws of the FTC and the FCRA, and they are still reporting inaccurate, incomplete, unverifiable information to the credit bureaus, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.
We have a mortgage with Roundpoint Mortgage Servicing. Apparently the escrow balance changed which changed our monthly payment. Roundpoint has debited our XXXX checking account for the old amount, but will not apply this to our payment. They have not called, emailed or otherwise contacted me or my wife. Now they have added a " late payment '' fee and consider the account overdue and " in default. '' I have emailed them over 20 times on their site and they have not read or responded. 
I have called and left messages as per their instructions and nobody has called me back.
I have no information about this company or this debt. I have not received notification or billing information and have no idea who this company is.