WillisBack/dataset-financial-user-claim huggingface dataset:
On Monday, XXXX XXXX, 2015, I received a letter from Quality Loan Service Corporation ( " Quality '' ) titled " Debt Validation Notice '' with an XXXX XXXX, 2015 date, which stated pursuant to, and in compliance with the Fair Debt Collection Practices Act and the XXXX Fair Debt Collection Practices Act ( FDCPA ) the notice allowed me to respond in writing within 30 days to dispute the debt. This notice also further stated Quality was a non-judicial foreclosure trustee and has been instructed to commence foreclosure proceedings against a property I own. I am unfamiliar the creditors named within the Quality notice and the debt amount that is claimed to be owed on this property different from my records. 
On XXXX XXXX, 2015 ( less than 30 days ), I responded in writing by sending a Dispute and Notice to Validate Debt to Quality at XXXX XXXX XXXX, XXXX XXXX, CA XXXX via U.S. Certified Mail No. XXXX XXXX XXXX XXXX XXXX. This is well within the 30 day requirement of FDCPA regulatory guidelines. 
Concurrently, on XXXX XXXX, 2015, Quality agents executed order paperwork to process the foreclosure and on XXXX XXXX, 2015 Quality filed the documents with the Office of the Recorder in XXXX XXXX County with a Trustee Sale date of XXXX XXXX, 2015. This means that in 24 days, Quality sent the original notice than filed paperwork against me. 
Quality has violated several XXXX XXXX. XXXX & XXXX subsections. If Quality claims it filed the Trustee Sale and/or foreclosure order as a " bona-fide error '' and " overshadowed '' whether clerical, procedural or otherwise, then Quality must immediately cease and desist with the foreclosure proceeding of the property until this matter is rectified and resolved XXXX. Quality must postpone the Trustee Sale immediately and Good Faith must be evidenced by stopping any further action whether non-judicial, legal or collection until it has complied with FDCPA requirements allocated to me by law. These actions are inconsistent and to the contrary of federal and state laws inclusive of those of the FDCPA. 
Conclusion, Quality has commenced, processed, signed documentation and have acted in malice, deceptively and unfair within no intent to honor the 30 day period before pursuing on any action against me. Quality has in fact unethically commenced in the collection of debt without VALIDATING THE DEBT XXXX. This is negligence and a total disregarding for my lawful rights. Quality has not responded to my dispute, nor practice fair collection practices when they filed at the Office of the Recorder within less than 30 days from the date on the Debt Validation Notice, and several days prior the Quality agent signed the Order No. XXXX and authorized the foreclosure.
XXXX credit report shows two inquiries on my file from Chase XXXX which were not initiated by me, on XX/XX/XXXX and XX/XX/XXXX. I have contacted both Chase and XXXX regarding the XX/XX/XXXXinquiry and was told it would be removed. That report is conveniently not available. I believe I made a dispute regarding the XX/XX/XXXX one a few weeks ago but no response, and I am literally unable to start a new one online- there is no " dispute '' button that they speak of when I follow their instructions. I now have an extended fraud alert request in with a different credit bureau.
I have been disputing accounts on my credit report that were not being reported accurately that it should be deleted and Experian & XXXX   came back to say the accounts were verified when I showed documentation proving that it should be deleted. I sent the letter certified to the creditors on my credit report and they had no documents showing the reporting was valid nor accurate. XXXX was the only bureau to correct this. 

Attached I have written the results of a previous dispute with the CPFB and XXXX  corrected the information but Experian and XXXX will not follow suit. 

Thank you for submitting your complaint on XX/XX/2018, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to XXXX. The Results of Our  Reinvestigation provided XX/XX/2018 : We have researched the accounts. 
Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX, NY XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This account is currently reporting paid as agreed, with no late payments. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX This item has been deleted from the credit file. If you have additional questions about this item please contact : If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX.
On XX/XX/19 a check was deposited into this account for {$3000.00} but only posted to the account for {$1000.00}. This is the second time since XX/XX/XXXX we have had a problem with Chase and a keying error and they didn't fix the first issue so we don't really expect them to fix this issue on their own although we will also be contacting them. This is extremely irresponsible of them to continuously make these kinds of errors and there is no accountability for the errors they make.
I was contacted by  XXXX  via my school district protected email regarding a service to assist with public service loan forgiveness. When I called  XXXX  I was transferred to Doan Solutions LLC who I was told was contracted with them. I signed a contract and was charged a {$390.00} for their assistance with this program. After speaking with Fe d Loan Servicing, I believe this is a scam because they stated I should not have been charged a fee for those servic es.
For two months ditech Financial LLC has failed to apply our mortgage payments to our account. This payment transaction is an automatic bank transfer from my checking account to ditech. There have been no problems with the transfers as my bank statement clearly indicates they 've taken the money on time every month. Two months ago I called and spoke with a service representative after my monthly billing indicated that I was behind on my payments. The rep explained that apparently their system had an issue but that we were current on our payment and not to worry the system would " catch up '' before our next billing period. My wife and I came home last week to find a notice on our front door instructing us to call ditech about a problem with our account. We called and talked to another service representative who, after some discussion, told us the system had a coding issue and while we were current it was n't being applied to our account correctly but had been corrected on XXXX/XXXX/2016. Today in our mail there was a notice from ditech claiming we owed them {$500000.00} and a second notice from a collection agency. So the long and the short of my problem is that I 've been sent to collection by ditech for mmoney I do n't owe them. A call to ditech again ended with me being told there is no problem. So my question is how do I fix the damage done to my credit scores by a company that seems to have no interest in repairing their problem and what do I do next month when this happens again? 

XXXX XXXX
I filed a claim online with XXXX under their Auto Rental Collision Damage Waiver protection program on XXXX XXXX, 2017 for the amount of {$740.00}. The claim number is XXXX. <P/>I have filed all required documentation through their online portal. However, it has been almost 3 months since the date of the initial claim and I still have not been reimbursed.
On XXXX XX/XX/XXXX i sent a letter to the XXXX XXXX of XXXX to settle any open balance i had with them. In my letter, it sated that i wanted to settle the account balance ( XXXX ) for {$120.00}. So, they had the choice to either decline my proposal and return my check or accept my proposal and cash the check ( which i clearly stated in my letter ). The XXXX XXXX of XXXX did in fact cash my check, and I have documents to prove it. The XXXX  XXXX of XXXX did in fact cash the check knowing that the check was only to settle the remaining balance on my account and not to send my account to collections ot cancel any collections attempts. 

Below is what was in the letter i sent to the Medical center of XXXX : Notice of Dispute and Settlement Dear The Medical Center of XXXX I, XXXX XXXX, disputing the entire balance on account number XXXX, with date of service from XX/XX/XXXX to XX/XX/XXXX. However, attached is a check made payable to your company settling any balance currently showing in my account from XX/XX/XXXX until XX/XX/XXXX. 
By Cashing the check attached to this letter ( check # XXXX from XXXX XXXX with memo on the bottom : For Balance payoff ), you are agreeing to settle any balance and will refrain from sending my account to any collection agencies or will cancel any collections attempts if you did already send my account to collection. 

If you do not agree to the amount on the check ( {$120.00} ) as a final balance for any services received during the dates stated above, please feel free to return the check, send my account to collection and file a lawsuit. I will be happy to explain my case before a judge. 
Again, Im still disputing any balance forwarded to any collection accounts or any balance you currently have in my account. 

Thank you XXXX XXXX
I have several complaints on file that are marked as closed simply because they accepted the complaint. This is ridiculous. They not only escrow, processed incorrectly charged excess fees but they stole my property. Now post bankruptcy they are calling and harassing me for payments. Ocwen called from XXXX @ XXXX ; XXXX XXXX XX/XX/18. XXXX XXXX said I missed my XX/XX/XXXX payment and I should call XXXX or send payment. 
Federal Law states they can not do this. Now what do I do. I am financially broke!
On XX/XX/2018 my payment of {$25.00} to XXXX XXXX XXXX was posted and bounced back on XX/XX/2018. This was because my wallet was stolen, and my bank account number had to be changed. XXXX locked my account, and I was unable to pay online or in store with my card. I did not want to post a payment through the phone as my credit card was just stolen and I was concerned about identity theft. I spoke with numerous customer reps at XXXX who assured me my online account would be fixed. My account was not reactivated until I was forced to pay the account via phone. Finally, on XX/XX/XXXX I agreed to pay the balance over phone as no other options existed. 

Since that date, XXXX has reported my payment as late, and all of my attempts to rectify the situation via customer service has ended in either being hung up on or told theres absolutely nothing they can do. At this time, XXXX has 1 ) reported my payment to be 60 days late despite my best efforts to pay them, 2 ) charged me a late fee, 3 ), 4 ) been unwilling to accept any fault in this matter, and 5 ) unwilling to update my credit report despite their fault in this matter.
I refinanced my home at the end of XXXX. Some of the proceeds from the transaction were used to payoff a credit card. The title company disbursed funds to payoff the credit card. The title company 's escrow check has cleared their account but the credit card company has n't posted the payment to my account. I called the credit card company with the title company representative on the line XXXX. Each time, they asked the title company to fax a copy of the cleared check and my account number to them ( a different fax number each time ). The title company has fax confirmation that both faxes went through XXXX one on XXXX/XXXX/15 and the other on XXXX/XXXX/15 ) ; however, the payment has n't been applied to my account. We called the credit card company again today and still have n't reached a resolution.
For the last 8 months we have been arguing with XXXX about a credit card that was charged off back in 2012. Currently they are continuously reporting our charged off credit card account every month as 90 days late with a fluctuating past due balance that is incorrect. We have been making payment to the XXXX every month since XX/XX/2012. We currently owe XXXX when the charged off amount was XXXX. We have disputed this through XXXX, Equifax and XXXX. The account was removed completely from XXXX due to no response and when the dispute was sent in to Equifax we had XXXX 90 day late pays and they decreased it to XXXX. But they are still reporting us 90 days late according to my credit report on XXXX. Despite several attempts with the collection department at usaa nothing has been resolved. They are rude, disrespectful, they put us on hold and never pick up, they talk over me, yell at me and tell me there is nothing they can do. This account is causing my credit score to hardly change at all despite us working hard to repair our credit. XXXX is inaccurately reporting our credit card account on our credit and we just need help. We have done the right thing and have been making regular monthly payments to them for the last 4 years. We will continue to do so until the account is paid in full. We are not wanting to settle the account or anything. We just need this account fixed and have them do the right thing and report our credit card account correctly.
Yesterday, I called my mortgage company, Ocwen Loan Servicing , LLC . that as of XXXX XXXX, 2015, I owed them $ XXXX and that I did not need to pay my mortgage for XXXX 2015. As of XXXX 2015, I received a notice from their company stating that I owed XXXX to cure the default by XXXX XXXX, 2015. First and foremost, I was not aware I was in default. I have never agreed to a forbearance or loan modification with Ocwen Loan Servicing. I sent a certified money order totaling {$800.00} on or about XXXX XXXX, 2015 ; and on XXXX XXXX, 2015 I wired {$1900.00} via XXXX to Ocwen. According to my records and calculation from the notice sent XX/XX/XXXX, I had satisfied the requirement to cure deficiency. I was told twice by customer service that I did not owe a XXXX payment however my balance is {$1300.00} for the month of XXXX 2015. I informed the customer service whose agent number is XXXX that this incorrect. XXXX XXXX, Ocwen 's agent, informed me that the balance included late fees and my escrow analysis ( which they have been tampering with by Ocwen ). As of XXXX XXXX, 2015. I do not owe Ocwen any fees or mortgage note. Ocwen is a " predator. '' They are preying on minorities, XXXX, and the poor. They are not in the business to " keep people in homes '' this a fraudulent statement ; they are in the business of adding as many fees to your loan in order to put the customer in default. They are/have destroyed dreams of being a homeowner, people are homeless because of their business ethics to benefit the CEO of this corporation. They are liars and you have the power to " REVOKE '' their ability to do business in this country. The loan modification process with this organization is DECEPTIVE and whomever designed the model for this company should be ASHAMED and ordered to go JAIL!!! 

Sincerely yours XXXX XXXX
I filled Bankruptcy and Included a credit card within the Bankruptcy which was successfully discharged, however Bank of America places a Judgment on my credit for that debt which was discharged. I need the judgment removed from my credit and the issue rectified on Bank of America System of record to show this was discharged. I have contacted BOA several times by phone and in writing and have been Ignored. please review the correspondence I send to BOA.
I called Blakely and Witt on XXXX XXXX, 2016 and spoke to XXXX XXXX XXXX about an account that was on my credit and asked to settle the debt. He responded that they could not take my settlement amount. So I responded with what can you settle with, XXXX XXXX responded with an amount higher than the original debt amount. I asked XXXX XXXX why is it that the Original debt is lower than what you are asking for, XXXX XXXX responded with " Because you signed documents stating that their company can add interest to the original debt.
The account has been brought up to date and is still reported late, and the wrong amount do I submitted doc 's to show the account is current, report is not report correctly, the company do n't appear to care about the harm this is causing me,
Company HireRight has multiple inaccurate criminal background reporting for my records in the state of Connecticut. I have contacted HireRight via phone and email communication starting X/XX/2017. During my contact I established a case # XXXX and request # XXXX. I also at the same time email over a copy of my FBI National Identity History Summary Check and also a CT State Police fingerprint supported background check. Response from the company on XX/XX/XXXX when I reached out again due to no contact from HireRight was the case was closed and they could not dispute the records. Rep spoken to was XXXX XXXX who attempted to contact the supervisor on duty XXXX XXXX but there was no response from any supervisor to handle a customer escalation. Please help me as this inaccurate record would hurt my current Job seeking abilities and is a time sensitive issue. Thank you in advance.
Navient Solutions Inc. XXXX {$15.00}, XXXXXXXXI am disputing the validity of this debt for unfair and deceptive practices. Navient Solutions, formerly XXXX XXXX, has not provided an accounting of interest paid, the loan interest rate, or account statements that detail the payment allocation and/or payment methodology at any time during this loan. 

This loan originated in XXXX 2005 in the amount of $ XXXX. Other than XXXX forbearance period of less than 6 months, this loan was paid on time for more than 9 years with payments ranging from $ XXXX {$250.00} ; with 96 months of payments at {$240.00} the amount paid on the loan is in excess of $ XXXX, yet the current amount due according to Navient is more than $ XXXX, more than the amount initially borrowed. 

I can provide bank statements as proof of payment history as payments with automatically debited from the account.
collection agency contacted me about a medical bill, a single bill. But when they reported it to credit agencies, they listed it as XXXX separate bills, and then lumped it all together into a XXXX bill to the credit monitoring agencies. I only have XXXX unpaid bill that the Veterans Affairs did not pay, not XXXX. If I add up the XXXX bills they broke the XXXX into, it 's more than what I owe total. I owe about {$3700.00} that the VA did n't pay, but if you look at the claims, I owe almost {$10000.00}, which I do not.
I sent a letter to XXXX  and Trans Union on XX/XX/XXXX, asking them to investigate errors that appeared on my credit report. To my understanding, they are supposed to respond within 30 days, but they have not.
XXXX XXXX XXXX is a non for profit volunteer organization that has run youth baseball for around XXXX kids a year for many years. We had our treasurer who is now in jail deposit checks made out to our biggest vendor, XXXX Sports and deposited them in her personal bank account. Bank of America is the bank she used and they let her deposit a check completely made out to someone else and put in her personal account. I have the name and police report number so you can verify the above but you said don't put personal names on this complaint form. The checks were made out to XXXX Sports and signed by this person and deposited in her personal account. We feel this is complete fraudulent endorsement and Bank of America had lack of adequate banking controls to protect its customers. They are taking no responsibility in this and we are now out {$66000.00} in 76 fraudulent checks over a 12 month period. When we did our yearly audit we found the negligence on Bank of America and proceeded with prosecution of treasurer. She is now spending 3 years on guilty plea deal in prison. Our insurance company doesn't cover this type of loss and we our left with having our kids suffer for the pure unprofessional acts of Bank of America. How can a bank possibly think this is fair, they either had a employee in on the deal or had such a lack in banking skills that would allow someone to allow this to happen.
XXXX XXXX has told me they performed a " scrub '' of bankruptcies in their records and incorrectly noted on my account that it was discharged in a XX/XX/XXXXbankruptcy. The information is incorrect. My bankruptcy was discharged on XXXX and the XXXX, known as XXXX at the time was on the unsecured creditor list on my bankruptcy petition filed XXXX. I 've contacted both XXXX and XXXX where the item is listed as a negative factor on my credit report impacting my credit approval for a mortgage loan. XXXX XXXX admitted the error but has informed me that I am the one who needs to make it correct when I did absolutely nothing wrong. I do not have this problem with the other unsecured creditors on the petition. XXXX XXXX would not resolve the problem that they corrected through multiple phone calls and have told me I have to mail in the claim/dispute with my supporting documents when they have told me they are aware that I am correct in that the items should show as discharged as part of an XXXX discharge, rather than a XXXX discharge showing on my credit report with XXXX.
This collection agency is showing on my credit report with incorrect information. The original creditor, amount owed, and date debt became deliquent. Collection agency has also listed debt as new debt with false opened date. This information is preventing me from obtaing a home mortgage.
On XXXX/XXXX/15 I reached a settlement agreement with Gatestone agency to pay off my debt with a XXXX XXXX XXXX credit card. The settlement was for several hundred dollars less than the original amount, but I was assured that my account would be considered paid in full. One week later, my bank account was charged the remainder of the balance of my debt without any authorization from me or prior knowledge of this fact.