WillisBack/dataset-financial-user-claim huggingface dataset:
As conditions stated for certified promissory note # XXXX, ( Accepted by Santander on day XXXX of XXXX XXXX. ) Santander in no longer legally entitled to or may collect for the listed collateral ( XXXX XXXX XXXX XXXX VIN NUMBER XXXX ) in accordance with FDIC laws on payment acceptance and honorary acts. Payment in the form of promissory note ( Legal tender ) was offered ( sent to Santander Usa ) on XXXX XXXX XXXX for ( {$25000.00} ) this amount would fullfil the payee 's contractual obligations, ending the contract and clearing said payee 's name of any debt that may be associated with listed account, and grant any and all collateral to payee. This payment was NOT SENT BACK ( ACCEPTED ). Payment from XXXX XXXX XXXX with co-owner XXXX XXXX will be deemed as accepted on the XXXX day of XXXX XXXX governed by conditional acceptance laws. Granting will be the above listed collateral and its integrities to the payee. Uniform Commercial Code U.C.C. - ARTICLE 3 - NEGOTIABLE INSTRUMENTS ( 2002 ) PART 6. DISCHARGE AND PAYMENT 3-603. TENDER OF PAYMENT.

3-603. TENDER OF PAYMENT.Since this issue I have had to obtain counsel ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contractual obligations.

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

Santander was asked to produce the following and have yet to comply.

Santander has been asked to provide the following supportive documents and have yet to provide any.

1.Present your payment regulations and guidelines. -Provided we have obtained a copy from your website that state and support the claimants cause. Show proof that accepted payments wo n't be honored and under what conditions will they not be honored under after acceptance.

2.Evidence that this customer 's ( promissory note # XXXX XXXX ( legal tender/payment ) was not accepted as payment. By your facility.- Review conditions of acceptance.

3. The conditions attached to the promissory note..that stated " if not returned within 30 days this instrument is deemed as accepted as full payment for the account number ( XXXX ) please explain how these conditions would not apply to your bank? Granted you are in a legal binding contract.

4. If the legal tender/ ( Promissory note # XXXX ) was sent back please provide evidence of to such action. 

By law a consumer may request this information when disputing a payment with the creditor.

This company did not return my payment or deny it but they are refusing to honor it. Since this claim has been brought to their attention I 've been forced to obtain counsel due to no compliance on their end. A cease and desist order was issued to them, and they are still actively attempting to collect from me.
To Chase Bank, a local branch, where I had an account for several years, I brought in a " questionable '' US postal money order. Let the teller in lobby know I was suspicious. Teller said to wait 3-4 days & if it cleared it would show up. I waited 3 days OVER the verification process before returning. Was told by same teller that it cleared & was GOOD TO GO. Three to 5 days later received mail that no it was fraudulent! Crooked as the day is long!!! Now they say I owe them! What a racket!
Yes, I have noticed several issues with my Credit report and score with USAA Federal Savings Bank. I have had to file too many complaints against USAA with you the CFPB, and nothing changes, issues only seems to get worse! I just called USAA about hard Credit Reports run in XX/XX/XXXX- apparently 4, for auto loan, due to being sold a lemon XXXX by XXXX XXXX XXXX XXXX XXXX AL . ( Now have third lemon car sold XXXX XXXX XXXX of XXXX AL as well ... utilized same techniques as XXXX XXXX and XXXX XXXX odd! ) I talked with a XXXX at USAA Debit Card Services, ( at XX/XX/XXXX appx XXXX CST ) and she was of no help, and did not know if USAA was in fact investigating me, when told her have seen two USAA vehicles in local area among other things we discussed such as USAA not being open as used to be 24/7- to accommodate service members abroad! Also asked speak USAA Executive Resolution and XXXX told me not available. Odd,  considering have spoken with them in past this early in morning! I then called and spoke with a XXXX ( (XX/XX/XXXX appx XXXX XXXX CST ) and asked XXXX about my Credit Score, if could increase Credit Limit as USAA has offered several times recent past, and if USAA Investigating me- as mortgage folks USAA always ask if I am residing at residence I have mortgage USAA with, but loan be serviced one worst companies XXXX ( filed numerous complaint 's with CFPB aboutl XXXX XXXX- furthermore told XXXX could go on " vacation '' as long as wanted, last I looked! )! XXXX was of no help as well, stated had run Credit Check to increase my Credit Card limit, because did not take when offered. Asked XXXX to simply offer me again to increase limit- to avoid Credit Check- XXXX said could not ( never been told USAA Federal Savings had run hard credit check to increase my Credir Card limit eber before speaking with XXXX- odd ? )! Also, XXXX stated not aware I was under Investigation USAA. ( Was trying increase limit Credit Card per factors " hurting '' my Credit Score! ) All of this is very odd, as per USAA Credit/Theft Protection home, loans, car loans etc ... are supposed be lumped together as one hard credit check- and I only supposedly have 6- hard Credit Checks last year to 2-years! Furthermore, I have only utilized 1 % of my Credit, and my Credit Card only recently went a few hundred dollars over the 30 % limit of XXXX-dollars! So why is my Credit Score dropping at such a rate and am I in fact the Target of some USAA Federal Savings Bank Investigation? If so why and is any potential investigation into/ against me by USAA in conjunction with local, State and Federal Law Enforcement Agencies , signed off by proper authorities i.e. Judges? Finally, for some odd reason USAA Home Monitoring Services increased value my Home to $ XXXX-dollars ( highest ever valued by USAA ) since my last CFPB Complaint against USAA and " XXXX XXXX '' Case and recommended by 4-local attorney 's force into foreclosure with USAA! 

Thank you any response in advance ... ...
Hello yes I contact the credit breau Equifax regarding account bankruptcy chapter XXXX that was fraud and they told me to send in documents stating it was fraud and I sent them document from the courts stating the account will be deleted and they told me if I mail them in the document showing it will be deleted they will update my file showing the bankruptcy will be removed I contact them and they still did n't remove the account off my credit file
I have reported to Experian multiple times that they have out dated accounts still being reported on my credit report. Each month Experian workers have deleted and updated information with out proper investigations according to FCRA USC 1681 ( i ) I reported XXXX # XXXX should have been removed because the account became delinquent in XX/XX/XXXX. This would put it beyond the 7 year allowance according to the FCRA. When I disputed this fact Experian then deleted the pay history. This is on the Report # XXXX dated XX/XX/XXXX. Experian deleted all of the dates I disputed. This is fraud. 

I then resent in the copy by Consumer Financial Protection Bureau and received another altered updated report and not a re-investigation according to my FCRA rights. Experian then added account balances to the account for years in which they have reported the account to be closed. They reported Account Balances and Actual Payments made through out XX/XX/XXXX,XX/XX/XXXX and XXXX. How can this be if this account was closed according to Payment History was XX/XX/XXXX.  This is fraud. 

I want this deleted off of my file. I want this re-investigated and delete this account immediately. I also want copies of all files pertaining to this file and whom you collected data from. 

Experian has not verified the Terms, Monthly Payment, Credit amount, they have erased everything that is suppose to be listed
On XX/XX/XXXX I sent a XXXX letter to Experian ( XXXX ) asking that they remove certain inquiries off my credit file, that did not belong to me. 
As well, any addresses other than XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL. XXXX. 
Subsequently thereafter, I was notified through Experians ( www.experian.com ) credit monitoring system as well Experian id works ( XXXX ) on Wednesday XX/XX/XXXX about a potentially negative item on my credit bureau which was XXXX XXXX XXXX. 
I personally reached out to XXXX XXXX XXXX and confirmed with them that this was an error. 
They themselves, were not sure why Experian was reporting this information on my credit file because the social security was not mine XXXX, neither did the address match. The only thing matching was the name, they stated they asked Experian to remove it immediately. 
A few days later I discovered that monthly subscription of a free credit report with ( www.Experian.com ) was not  working as well the same with ( XXXX ) both services were giving error messages for not being allowed to pull my credit bureau. 
Experian id works filed a trouble ticket on my behalf with Experian directly because Experian has me on a write in status only. ( Completely abusive tactic on Experians part for people who ask them to respectively do their job correctly, they will ban you from calling ) For an over entire month, Experians technical team gave their own colleagues the run around and continually stating they were addressing the error messages and finally this week, Experian told their affiliate to tell me, the party has to put his request in writing almost two months later. Completely and Utterly Unbelievably Abusive That same day my credit file miraculously came back online with both www.Experian.com and www.Experianidworks.com however this credit file was not mine and had been crossed with another social security numbered credit file other than mine, an entirely different credit file that had nothing to do with me. 
My credit file XXXX was completely fine with the exceptional of XXXX XXXX XXXX and XXXX being reported prior to XX/XX/XXXX. 

I faxed Experian 35 pages on XX/XX/XXXX to XXXX explaining the serious and urgent nature of this matter which included a bank statement for address proof, a copy of my social security card and a copy of my government issued passport, along with the credit report and all its inaccuracies, which was successfully transmitted. 
I also overnited the same documents to Experian Consumer Affairs XXXX XXXX XXXX XXXX TX XXXX tracking number XXXX XXXX XXXX Again Experian has caused and is continually causing me some irreversible damage, because of someone's poor performance.
When I pick the line up there is a brief pause and an automated voice asking me to hold onto the line then an operator comes on and makes sure that I am the person they want to speak to. They ask if I hold an account with XXXX and infrom me that I have an overdue balance. This is the second time I have recieved a call today. The first time I did not recognize the number but knew it was a debt collector from previous expereince. 

I was prevoiusly behind on the account and recieved up to four phone calls a day from different numbers, with different area codes, throughout different times a daty. 

While I take resposibilty for being late on payments the non stop phone calls are borderlineharrasment.
I am member of USAA. On XXXX XXXX, 2016, I was searching to purchasing a vehicle through the USAA car buying service as USAA offers a rate discount if the car is purchased through their service and the financing is secured through them. The rate discount promise was incentive enough for me pursue purchasing the car and seeking financing through USAA. I ended up being approved for the car loan at a normal 3.85 % rate and a .50 % rate further discount for using the USAA service. I then sought a car, which found and purchased through the USAA car buying service and made arrangements to go to the dealership to take delivery of the car on XXXX/XXXX/2016. I went to check on the loan on XXXX with USAA and noticed the rate discount was not applied yet. I contacted a representative that day and that representative told me my rate would take up to 14 days to apply. Then on XXXX/XXXX/2016 I checked for the rate discount on USAA.com and noticed it was not applied. I then inquired about this. After much discussion with a USAA representative on their chat service, USAA said I was not eligible for the rate as they did not have record that I purchased the car through their service. There are clear indications that I did seek the car through the service and secured financing through them. The car I purchased is saved to my profile on the car buying services and USAA has agreed that the dealership is a part of the car buying service. They claim I did not print out a certificate and that disqualifies me from the rate discount, but no one told me I needed a certificate and the dealership did not ask for XXXX. The dealership, XXXX XXXX XXXX, is a USAA dealer and I should get the discount. USAA led me into securing the loan through them with the promise of the rate discount that never happened. I have excellent credit and I lost out on opportunities to seek better financing terms. USAA baited me into the loan under the promise of a lower rate..
In XXXX I opened a home equity loan account with what was known then as T.D. North Bank in XXXX XXXX All went as was suppose to, I got my payment book, and began making my payments. The amount due was {$180.00}, of which I paid until in XXXX of XXXX I started to pay {$180.00}. A round up of XXXX cents every month. This was because of hearing from many sources that every extra penny paid toward the principle could help shorten the length of payments over time. When the bank now known as TD Bank stopped using payment books, I had to use their monthly statements that they sent to me to make my payments. No problem except I noticed that they were showing a lesser amount of money due each month, than the agreed {$180.00}. With a few calls I found that the amount due was still the same, but the they wanted me to use the extra accumulated funds toward the monthly payment, and not toward the principle. I have had this problem occur several times with this bank, and with frustrating calls to numb skulls who do n't any thing about banking, ending up talking to some one with some experience correcting the problem. Well it has happened again, I called when making XX/XX/XXXX 's payment, I was told it was taken care of. I got a print out from one XXXX XXXX, Loan Operations Supervisor. It showed my account from XXXX/XXXX/XXXX, XXXX payment on XXXX/XXXX/XXXX to XXXX XXXX of XXXX, as well as a letter telling me this was the information I requested. 
I think this speaks volumes to the incompetence of this financial institution. 
When I went to their web sit today to make my monthly payment, I found they had not applied the extra funds to the principle, in fact they are still floating as they have in the past. 
The amount due is {$180.00} per month, I pay {$180.00} each month. a surplus of XXXX @ month. The web site today showed I had to pay only {$170.00}, a difference of {$8.00}. Now if you do some basic math, {$8.00} - : - XXXX c = XXXX, that is XXXX payments I have made with the extra XXXX cents just floating, not applied as I was told they would do. 
I am XXXX, and on S.S., as well as with out transportation. That is why I pay every thing on line when possible.
bank of America transferred my loan before my  1st payment is due for a modification i received a notice about my escrow having a su rplus over {$5000.00} Bank of America has not mailed the check .... my question is this .... where is this money? if the loan is transferred why are they trying to keep the money? the letter was dated  XXXX   XXXX  BEFORE the loan was transferred ... ... ... ... ..
Calls are everyday -today ( Thursday ) at XXXX, yesterday Wednesday at XXXX, Tuesday XXXX -- it just never stops. I told them ( XXXX XXXX XXXXy ) to stop calling me. My case is in litigation because I purchased a lemon. I let them know the {$200.00} would most likely be solved then. They just never stop. The company sent me a payment for my " Troubles '' they sent it XXXX late.
To whom it may concern I XXXX XXXX is struggling on making my payments for the past 3 months but I have made partial payments last partial payment was made onXX/XX/XXXXof 2017. For XXXX I understand it not a full payment but I 'm trying the best I can to pay everything in full in a period of time. 
I am struggling due 2 3 things now one is a hospital bill that is huge for a XXXX that was done to my dad in XXXX. That has been one of the reasons of my delay to make payments the most recent one is the hurricane XXXX that affected my love one my family in texas. Their homes were completely destroyed and now they have nothing my family and I provide them with water, clothes, blankets, food.and money. It is very sad and upset that I am experiencing this problems. And seem not to find a way out of this. This is a temporary thing and that is why I want ally financial to understand that I need to support my family affected and now also by the earthquake in XXXX XXXX my aunt uncles cousins have no water no homes, no clothes, and in need of more help. Those are the main reason why I in default and un debt. It is not intentionally I am working but my check is just not enough not now that I 'm experiencing this terrible situation due to mother nature. My family and I are very upset that all this is happening to my family and us. 
I spoke to a representative today XXXX XXXX. 2017 and the representative insulted me telling me that I was loud and that I was angry and that I was always screaming on the phone I told him that that was the way I spoke and not to take it the wrong way but I was n't mad and that I had a deep voice. He insulted me telling me all those things and I even told him are you listening to what you are telling me you are insulting me sir. And I have you recorded and I told him I would file a complaint to cfb consumer financial protection bureu. That is very unprofessional the representative iinsulting you telling you that I was been loud and other things unacceptable not need it to gear those kind of words. In other word he was saying I was rude. And annoying and told me to stop talking and listen to him. I got mad and told him that was incorrect and that that was not the way to treat a customer even if anyone was behind on payments.
Ally Financial I have always been on time on my payments except this 4 months to to the circumstances that I 'm currently experiencing due to my relatives affected by the hurricanes and the earthquake and my dad 's situation.
I also wan na thank you because you been there for me before and now you are making it difficult to me i need tour help and they calling me more than 30 times a week or every day.
my niece went to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) it has since closed because the company that bought it has filed chapter XXXX bankruptcy I was appalled when I found that my government allowed such a transaction to take place how do you not know when a college has been placed on probation and had lost accreditation. You the government has allowed not only her but XXXX to be put in financial ruin and now I have been drug into this nightmare and I am demanding my money back. I have found that the XXXX now called XXXX has been sued for wrongful business practices and that my niece has a letter that states her loan has been forgiven but we have a bigger issue and that is a company called Berman & Rabin @ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX. These people sent letters to financial institutions to seize money for this bogus loan and they picked up on a CD I had in MY NAME FIRST my niece 's name second at XXXX XXXX XXXX from XX/XX/XXXX here 's were you may want to check the illegal activities of this transaction I WAS NEVER EVER SENT ANYTHING FROM THIS BERMAN & RABIN I WAS NEVER EVER ATTACHED TO A STUDENT LOAN I NEVER EVER SIGNED ANYTHING FOR HER STUDENT LOAN what did happen was I WAS CALLED BY A REP FROM XXXX XXXX XXXX THAT THEY HAD TO RELEASE MY CD TO THESE PEOPLE TO SATISFY THE DEBT that should have never been issued because the so called college was told by the accreditation commission NOT TO ENROLL ANY NEW STUDENTS BECAUSE THEY LOST THE ACCREDITATION ALL OF THIS IS FROM A SENATE INVESTIGATION. This is Consumer Fraud, Predatory lending and the XXXX Merchandising Practices Act 407 sections 1 & 4 she was never told the school was not accredited plus she was told the class credits would transfer to other colleges or universities, section 2 the XXXX book she has is not even for the USA its for laws in the XXXX she and the rest of the people that went to that place never used that book. How can someone allow this to happen I 'm sick of how she & her mother has been treated by this berman & rabin the abuse they have been put through both are suffering not only monetarily but emotionally something needs to be done and now. I know for a fact she has been fighting this for 6+yrs and now the fact from our own US XXXX has proof that she and all that went there should have never been burdened by a student loan they have been deceived and she was not of sound mind and body anyway we as a family were dealing with the illness and eventual death of her father my brother so in XX/XX/XXXX she should have never signed any document for anything she was in a severe XXXX for over a month after his death she was off work for one month I know.
Previously disputed bankruptcies being reported o my credit report. Experian sent me results that the items were factual. I then resubmitted a dispute due to there are multiple spelligs of my name and multiple social security numbers that do not belong to me on my report. In the latest dispute Experian refuses to reinvestigate my claim of the bankruptcies not belonging to me bankruptcy case # XXXX XXXX XXXX These are not my cases
Citi bank loan number XXXX for {$6900.00} transferred the loan to XXXX and they illegally posted in on my credit XX/XX/2017 causing my credit score to drop with all XXXX reports by XXXX points This is the same existing loan that has been on my credit for seven years due to drop off that we just investigated a month ago. since investigation they reported as a new credit collection. This loan is to fall off XX/XX/2017 please confirm this date as well. 

please look into this - I would like it removed. 

This loan has a drop
I have a payment arrangement with XXXX XXXX on a delinquent account. 
XXXX XXXX has received 4 payments on time of the 6 payment arrangement. 
The final payment is due XX/XX/2018.I have two payments of XXXX to go in XXXX AND XXXX for completion of the attached agreement. 
in the agreement it says under " what you need to know ... .. '' - '' in accepting this settlement we intend to discontinue collections. '' - '' your payment ( s ) are confirmation of this arrangement '' YET, XXXX XXXX REPORTS THIS ACCOUNT AS A COLLECTION/CHARGEOFF WITH NO NOTES OR INDICATION OF THE AGREEMENT! DO THEY THINK THAT ALL CUSTOMERS ARE XXXX! THE REPORTING TO BUREAUS, THE WAY IT IS REPORTED IS A COLLECTION EFFORT AS DEFINED BY THE FCRA! 
I HAVE NO FAITH THAT XXXX XXXX WILL HONOR THEIR FINAL AGREEMENT TO REPORT '' PAID IN FULL/WAS A CHARGE-OFF '' SINCE THEY ARE NOT HONORING IT NOW, YET I WILL MAKE THE NEXT 2 PYMTS. AND HONOR MY END AS I HAVE DONE! I HAD TO DISPUTE JU8ST TO GET THE PAYMENTS REPORTED, RECENTLY. 

XXXX XXXX IS CROOKED FROM THE TOP DOWN AND EVERYONE KNOWS IT!