WillisBack/dataset-financial-user-claim huggingface dataset:
ON XX/XX/2018 I submitted a CFPB complaint asking that Santander provide me a copy of all three pages of my note showing where I accepted a Daily Simple Interest loan. Twice I have called the company and requested all three pages of my note ( which would include the term and conditions ) so I can review and feel comfortable that they had the right to charge DSI rate which extended my maturity date 8 months due to deferred payments and another 14 months due to having a balance at the end of my term of {$6000.00}. I have attached my original request and their response. In reviewing their response I still do not see where I signed for a DSI loan. That is all I asking for is proof that this is what I agreed to.
Account shows XXXX on XX/XX/2013 But shows a last payment XX/XX/2013
To whom it may concern. 

I have a loan for {$650.00} with BigPicture Loans taken out XX/XX/XXXX. I have paid a total of eight payments at {$130.00} twice a week, which has total to {$1000.00} as of XX/XX/XXXX almost double of what the loan was for. What I was n't aware of was the high interest rate charge 475.2292 % yearly rate. I did n't get this information until I received the loan. I understand I did received the loan and I have been paying it, but at a rate like that. I will end up paying them almost 3000.00 dollars for XXXX dollar loan. I feel I have been mislead and taken advantage of because of this rate. I call to get a payoff and got the run around and was told the balance was still XXXX after the XXXX of payments already paid the actually pay off date is XX/XX/XXXX. I ask for manager and was told someone will get back to me. This company is totally taking advantage of the consumers with these outrages rates and terms. I will contact a lawyer and fight this all the way, but BigPicture loans have been paid enough plus interest.I believe BigPicture Loans are not even license to do business in state of Georgia. I will be writing my councilman and the better business bureau.
I have a foreclosure sale date of XX/XX/2018. I had submitted my offer to the bank for a short sale. However, I submitted it to XXXX XXXX XXXX and they are no longer my mortgage company. I phoned Penny Mac Loans to try to get someone to postpone the foreclosure sale until they could review my current offer and the person that i spoke to was friendly but firm and stated that they will not be able to postpone the foreclosure sale but if i wanted to i could email over my documents to XXXX. I just need for the bank to give me a chance and review my offer. I am trying my best and doing what i can to make it through this tough and trying ordeal.
I submitted CFPB Complaint # XXXX-XXXX on XX/XX/XXXX. M & T did respond but advised me that they would be sending a letter to XXXX XXXX XXXX, XXXX XXXX, New York XXXX coping XXXX  with. the solution. They did notified XXXX but I never received a copy of their resolution. 

I called XXXX XXXX XXXX XXXX  today at the number provided in the attached letter. I spoke to a consumer service representative who never heard of the CFPB and was no able to provide me with a copy of the response letter to the CFPB. 

I am in the process of selling my house and the M & T lien is still showing on the title report. It was my understanding that this issues was resolved in XX/XX/XXXX. 
I need XXXX XXXX XXXX XXXX  to provide me with documentation that they no longer have a lien/mortgage on my property. 

Thanks Mr. XXXX
i have tried to get verification from accounts on all three credit bureaus. i have seen no validation of debts.
I applied for a loan with XXXX different lenders and was presented with XXXX different credit scores from Experian. My credit union provide XXXX different scores. While in the credit union I was told that my Experian score was at XXXX. They turned down my loan but sent be an Adverse Action warning and the Experian score was at XXXX. I applied at a different lender for the same loan and was told that my Experian score was at XXXX. Same Credit Reporting Agency giving out XXXX different scores. It appears to me that this is against The Fair Credit Reporting Act. If not why do we allow them to control our credit history and scores when they can not give the same score to every lender?
I received a call from XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, Il XXXX. 
There phone number is XXXX XXXX XXXX Initially they represented that I was the beneficiary of a class action recovery involving XXXX XXXX. I informed that I have never had a XXXX XXXX nor aware of any details and therefore not involved. 
Their conversation pivoted and they claimed that I owed over {$15000.00} and had not responded to a previous letter. I informed that I have not seen their previous correspondence and that I had no account relationship with XXXX XXXX and I had nothing more to say and on this topic. 
I received a letter from XXXX XXXX dated XXXX/XXXX/2017 demanding payment and insinuating that they would report derogatory information to the credit bureaus if the account is not paid in full. 
Additional Information - See Photo of Collection Letter - The account referenced is XXXX XXXX - XXXX XXXX, Account # XXXX, Balance {$15000.00}, XXXX XXXX XXXX # XXXX My Name is XXXX XXXX, I reside at XXXX XXXX XXXX, XXXX Mn XXXX, phone XXXX XXXX XXXX, email XXXXXXXXXXXX
XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Interstate Credit Collections XXXX XXXX XXXX XXXX XXXX, NC XXXX Re : Acct # XXXX This letter is in response to your recent claim regarding account # XXXX which you claim I owe {$750.00}. I have never called you and said I could n't pay as a matter of fact you all sent me a letter said you " will not response to anymore more of my credit clinic letters ''. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
On XX/XX/2018, I received an e-mail from " XXXX '' stating that I had an outstanding balance of {$4800.00}. The bottom of the e-mail stated that this was a communication from a debt collector. Being unfamiliar with this amount, this debt, or this debt collector, on XX/XX/2018, I responded, saying " I do not acknowledge that this debt is mine and take no responsibility for it. However, I'm willing to pay {$300.00} to have this account settled in full and deleted from my credit report. '' On XX/XX/XXXX, I received an e-mail from " XXXX '', acknowledging my dispute and stating that he would file a dispute formally for me. He stated that they would reach out to me soon after they received more information from " XXXX XXXX XXXX '', signed " XXXX XXXX, True Accord Engagement Team, with an address I later used to dispute the validity of this debt. 

This same day, I e-mailed XXXX XXXX XXXX contesting this debt and received the response : " Your account has been transferred to our partner company TrueAccord and they should be contacting you to assist in resolving your outstanding balance with XXXX XXXX. Your current balance is {$4800.00} We encourage you to work with them to resolve this outstanding balance. To do so, please contact them directly at XXXX or email them at XXXX. '' Considering that they no longer and collecting the debt, I don't understand how they can continue to report negatively on my credit. Legally, they can not. 

XX/XX/2018, I sent TrueAccord a request to validate this debt via XXXX certified mail ( tracking number available ). This letter was received by an individual on Monday, XX/XX/2018 to the address listed in the e-mail I was first sent ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA ). This would have brought the amount of disputes for this debt up to two. 

As of today XX/XX/XXXX, I still have not received any correspondence from TrueAccord regarding the validity of this debt.
I filled Bankruptcy in XX/XX/XXXX and it was finalized in XX/XX/XXXX. I am asking for all three reporting agencies to remove the remarks from public records. I realize that they have the right to report up to 10 years, however given my payment history since then i am requesting an early dismissal of that reporting. At this point its simply defamation of my history because in fact i have a stellar history for the last 9 years. Please let me know what can be done about this. Thank you.
In XXXX I sent this company a request for validation. The company failed to provide me with the contractual agreements and statements that I had asked for and continued reporting the account on my credit report. This is a blatant disregard of my rights. It 's obvious this is frivolous debt which can not be validated.
Someone stole my personal information these debt collectors are trying to collect {$660.00} say I have a bill in my name that I am unaware of
I bought a car in XXXX from XXXX XXXX, in XX/XX/XXXX it was totaled in a accident, and I was rushed to the trauma center. I was in the trauma center at XXXX in XXXX XXXX for my XXXX XXXX from XXXX to XXXX. The car was paid off, through me gap, and my insruance company XXXX XXXX. Payments were made on time, and the account was closed paid as agreed. XXXX sent me a letter stating they were going to update the credit compines, they did then transunion added 30 days late 60 days late 90 days late. I have proof from XXXX stating they reported no days late.
WELL THIS COMANY CALL MY HOME ON XX/XX/XXXX I M A CO SIGNER AND MY GRANDDAUGHTER IS SOLE DRIVER OF CAR SHE PAID HER PAYMENT ON XX/XX/XXXX AS THEY STATED BECAUSE SHE LIVES AND WORKS IN XXXX AND I LIVE IN XXXX TX AS THEY KNOW THEY INSIST ON CALLING MY HOME NUMBER 3 TO 5 TIMES A DAY I HAVE IT RECORDED I EXPLAIN TO THEM SHE IS THE ONE TO CALL THEY REFUSE AS SHE TOLD ME SHE HAS CONTACTED SUPV THERE AND PAID HER BILL SHE WAS LESS 30DAYS LATE I GUESS HOWEVER I TOLD THEM STOP CALLING ME THEY REFUSE AS EVERY MORING AFTERSON EVENING THEY ARE CALLING MY HOME I TOLD MY DOCTOR ABOUT THIS YESTERDAY AS I HAD TO GO SEE HER AND THEY ADVISED ME TO REPORT THIS IM SENIOR AND ON DO NOT CALL LIST THEY HAVE MY GRANDDAUGHTER WORK AND HOME NUMBER SHE ASK THEM TO CALL HER SEND ANY MAIL OR PRINTOUT ON HER CAR TO HER ADDRESS THEY HAVE THEY REFUSE AS I GET HER STATEMENT SAYING YOUR BILL IS DUE NOT LATE BUT DUE I DONT KNOW WHAT ELSE TO DO THEIR NUMBER IS XXXX XXXX XXXX I KNOW IT BY HEART THATS HOW MANY TIMES THEY CALLED MY HOME AS I AM WRITING YOU THEY CALLED AGAIN PLEASE CAN YOU DO SOMETHING TO STOP THIS I NOW TAKE MEDS FOR THIS
My card is disabled and blocked. When I tried to inquire on the reason : 1. I was given the answer that my card was fine - its just a glitch. A " glitch '' that is now lasting for more than a month 2. I called again, was told that it was " fraud '' and I should get a letter at anytime - which I never received.

3. I was told I am not " qualified '' to get information on why my account is blocked. 


My account is always paid on time - I am a big spender. I spend a lot, and I pay it off. Somehow this bank does not like that.
On XX/XX/XXXX, I contacted by the Navient office in Indiana to discuss options for repayment. They failed to disclose their intentions that they were collecting on a debt, which is a violation of the mini miranda laws. I explained to the representative that I was not working, currently enrolled in school and unable to make the XXXX payment or a XXXX payment to make the account come current. The representative, XXXX, in the Indiana office began to leave deceptive, harassing and unlawful tactics on my voicemail and failing to disclose the intention of her call. Again, on XX/XX/XXXX, the same representative called and left a voicemail again failing to disclose their intentions on collecting on a debt. On XX/XX/XXXX just four days later the same representative called leaving a voicemail with an intent to be threatening by using deceptive, abusive and harassing tactics to collect the debt. On that same day, XX/XX/XXXX, the representative called two of my family members, even though the representative has a working number, that were not authorized on the account to be contacted. On XX/XX/XXXX, I contacted the Navient office and spoke with a representative that again did not disclose their intentions that they were collecting on a debt, which is a violation of the mini miranda laws.
I am receiving calls from Progressive Management Systems about an outstanding bill that my ex-husband owes for my son. I have asked the company to remove my name and telephone number, but they continue to call. 

I refuse to pay this bill because my child 's father is responsible for this bill.
My loan was modified effective XXXX/XXXX/XXXX and it is an interest-only loan with an escrow for property taxes only. I started to make extra payments in XXXX, however, the payments were not recorded properly and the annual interest paid was reported incorrectly for XXXX, XXXX and beyond. I called and wrote to America 's Service Company/Wells Fargo, but there was no reply or action. I sent multiple letters and called ASC. Finally in XXXX, XXXX, I called ASC/Wells Fargo and customer service stated they had no record of any requests and that I needed to send a written request. I sent the proper request on XXXX XXXX, XXXX, seeking a loan history and proper recording of all payments. ASC acknowledged my request on XXXX/XXXX/XXXX. ASC subsequently sent a letter on XXXX XXXX, XXXX and then called my attorney on XXXX XXXX, XXXX explaining that more time was needed to respond. Every time I called subsequently, I was told that ASC was still working on the request, until XXXX when I was told that it would be sent shortly. No one ever returned my calls or inquiries, even though I asked. I explained again that all extra payments should used to reduce principal. ASC/Wells Fargo was and continues to apply payments to future payments and to my escrow account, rather than reducing my principal, and hence interest owed! Every time I called, customer service stated that the problem would be corrected. Finally, XXXX XXXX, XXXX ASC/Wells Fargo sent a letter to me revising interest paid for the years XXXX and XXXX!!. No loan history has been transmitted as of this writing. I still have reason to doubt those figures because the interest due each month is {$1100.00} which would be equal to {$13000.00} for a full year. Without a loan history, I ca n't tell if my payments have been recorded properly. According to my XXXX, XXXX statement, my next payment is not due until XXXX XXXX, XXXX XXXX yes, XXXX!!! ) and my escrow balance is now approximately {$5600.00} ( which is more than twice than that shown on the cash flow analysis used to compute the adjustment to my monthly escrow payment ). During this time, ASC recorded a monthly escrow fee of {$180.00} and then {$220.00}, even though the monthly escrow was not scheduled to change to {$190.00} until XXXX XXXX, XXXX. ( I paid the escrow shortage of {$390.00} ) The escrow cash flow analysis shows that the maximum amount of {$2500.00} will be in XXXX, XXXX which is when the ( {$2200.00} - {$2300.00} ) annual property taxes are due. There is an extra {$3100.00} in this account now. ASC is also not fully applying my extra principle payments, rather the monthly loan statements show funds " unapplied '' that are not being used in my loan payments. Since XXXX, I submitted monthly payments of {$13000.00} and {$18000.00} and {$13000.00} and {$19000.00} BUT my principal hardly dropped. My required monthly payment is {$1200.00} but the extra payments have not been applied according to normal banking procedures. That is the reason that my interest payments are in error and my loan balance is incorrect.
A man called demanding to speak with me. He rattled off my entire name ( including maiden and married ), address and last 4 of my social. When i asked who was calling he again rattled off the information and stated that if i wasnt going to confirm the information was correct he wasnt going to tell me who he was. I informed him i would not be confirming or denying anything until he told me who he was and what company he represented. He then he responded with " this is XXXX  XXXX XXXX. I have an important matter to discuss regarding the debt owed to us now confirm the information! '' When i again refused and asked for him to tell me his name and which creditor he represented he said " i already told you. When you get your XXXX together and are ready to cooperate call us back XXXX. ''
In XXXX of 2015 BB & T took over Susquehanna bank and my mortgage was transferred to a new account with BT & T. I had brought the mortgage current by that time. The terms of the mortgage have the due date as the XXXX of the month with a 15 day grace period. I made the XXXX payment at the XXXX, PA branch. I soon started getting letters and phone calls saying I was past due on the mortgage. I returned the phone calls, went through the data with a representative and thought the matter was cleared up but the next month I received a statement saying I was 2 months behind and started getting phone calls again. I returned the phone call and went through the payments again. This has gone on until I reached I reached XXXX at BB & T and again thought the issue was resolved. I made the XXXX payment on the XXXX of XXXX and thought everything was fine. Then I got XXXX letters dated XXXX XXXX & XXXX and a phone call on XXXX XXXX saying I was 2 months behind and they were going to report it to the credit agencies. When I called them they had to check my account again and said they would start sending letters and making phone calls on about the XXXX of each month if the payment was not made by the XXXX of the month even though the payment is not late until the XXXX of the month. I recently checked my credit report and found they had reported to credit agencies that I was 2 months behind and lowered my credit score even though I have never been behind since BB & T took over.
I purchased an Ultra HD TV 4K XXXX '' Flat Screen from Target in XXXX, 2016 by applying for a credit card and had this item charged on this card with this company. The first statement would start in XXXX, 2016 and the monthly payments will occur on the XXXX of each month. The Initial balance was {$600.00}. The minimum payment amount is {$25.00} of which I paid $ XXXX/month before the due date for each month that I paid. I would say that my payment was made around the XXXX of each month for each payment. I was never late and never made the payment on the due date, which is XX/XX/XXXX. The payment was always made before the statement due date. 
I noticed on the second statement, which was XXXX/XXXX/16, that I was charged an interest rate of {$10.00} and after XX/XX/2016, I was charged an interest rate in addition to paying a $ XXXX/payment which is XXXX % of what the minimum payment which was required. 
Listed below are the monthly payments made and the interest charged : XXXX/XXXX/2016 {$100.00} paid {$0.00} interest charged XXXX/XXXX/2016 {$100.00} paid {$10.00} interest charged XXXX/XXXX/2016 {$100.00} paid {$9.00} interest charged XXXX/XXXX/2016 {$100.00} paid {$3.00} interest charged XXXX/XXXX/XXXX {$100.00} paid {$5.00} interest charged XXXX/XXXX/2016 will pay balance of {$100.00} {$3.00} interest charged This last payment will pay the balance in full. Calculating what the final balance is, which Target says that I owe {$140.00}, I still calculate an additional charge of {$10.00}, which is in addition to the {$3.00} interest charged listed above. I should only owe {$100.00} not {$140.00}. 
I believe that Target is double charging me interest on this item. It is my understanding that the interest rate, which is 23.15 % is to be included in the minimum payment of {$25.00}. However, I am paying $ XXXX/month and I should not be charged any additional interest fees. In addition I am paying before the statement due date and especially when I am paying over the minimum amount due/month. When I asked the customer service rep and talked to a manager and asked where is this additional interest fee is coming from especially when I am paying XXXX % over the minimum amount they provided information that did not make any sense. 
Therefore, I am requesting that the total of {$42.00} or any additional interest rate at the time of this final payment be removed from my account and I should only owe {$100.00} balance on this bill due XXXX/XXXX/2016. And I am asking to investigate Target regarding this double-dipping of interest fees being charged to myself and possible other potential customers. I am not sure that other customers are experiencing this but it needs to be investigated.
Account is closed and paid so it needs to be removed from my report please. Confirmation of closed is # XXXX XXXX XXXX took payment to close this
I was char ged 2 n on-sufficient funds fees on  XXXX / XXXX /  XXXX  . Looking at the attached account register, I was not overdrawn. I was told by Nevada State Bank that the  XXXX  charge that posted on  XXXX / XXXX /  XXXX   and the  XXXX  charge that posted on  XXXX / XXXX /  XXXX   prompted the overdraft fees as the {$30.00} premier credit charge was pending.     I think the bank is manipulating transactions in order to get extra overdraft fees.     The bank did not have to pay anything at a service to me due to funds not being available. These items were not paid until after a deposit was posted to my account. & no negative balance shows prior to the deposit clearing.     As you can see from the attached account register, I was never overdrawn by any amount. I think the bank lacks in transparency in the way the accounts are set up. There is missing and confusing information.