WillisBack/dataset-financial-user-claim huggingface dataset:
Company response indicates the following : Response Credit Plus has received a complaint that you posted in the CFPB complaint database. The complaint is a joint complaint against both XXXX XXXX and Credit Plus. It 's unclear to us as to the nature of the complaint against Credit Plus, so could you please clarify the nature of the dispute, if any, with Credit Plus. 
Sincerely, Credit Plus, Inc. 

Clarification : Credit Plus failed to properly follow it 's own policies as presented to me and my wife. When opting to use the 'rapid rescore ' service we were told that providing proofs of statements showing payoffs would result in a rescore to the model as proposed by Credit Plus without an additional inquiry and the process would take less than a week. 

Instead what happened was that Credit Plus repeatedly claimed that the credit accounts paid were not being confirmed by creditors, even after our own credit reports were showing the accounts paid off and we provided subsequent month ending bank statements. Additionally our credit was pulled repeatedly resulting in our score being lowered. When escalated, the process remained opaque and the process was never explained to us, nor was an adequate escalation resolved when it became clear that Credit Plus was doing much more harm than good. Even though we were following the instructions provided to us. 
This harmed me and my wife in the following ways : 1 ) It robbed us from making an informed decision by either improperly and otherwise failing to disclose the policies/processes of Credit Plus. This may have resulted in us hiring a different lender. 
2 ) This further injured us by resulting in our rate not being locked until the day before closing and resulting in a significantly higher rate than had we locked at the time. 
3 ) Our credit reports were repeatedly dinged resulting in lower credit scores overall despite that we were informed that the process did not involve a hard pull on credit. 

Ultimately, by not providing clear, simple disclosure, we were unable to make an informed decision, and resulted in my wife and I paying a rate approximately 0.40 % higher than had we locked on the first day. Carried over the life of the loan this is a financial loss to us of {$32000.00}. Ultimately we would like this as compensation for being misled so that we can apply this to the balance of our home loan and offset our injury.
I had XXXX ( XXXX ) Collections that were placed with Fredrick J Hanna and Associates in XXXX. XXXX XXXX {$500.00} credit limit ( now show that I owe over {$1500.00} ). How can the payoff be more than the credit limit on the card when there was a {$300.00} credit balance left on the card. I called Frederick J Hanna 's office to settle the acct. for the original credit card balance and was told by a XXXX XXXX representative that they would not except the payment2. XXXX Credit card {$1500.00} credit limit ( same thing happened as with the XXXX XXXX. There was an XXXX representative at Frederick J Hanna that said they would not except the {$800.00} that I offered. After making several attempts to pay the collections I then pull my credit report to find that XXXX was sold to another collection agency named XXXX XXXX and they are now and has been reporting me late every month since XXXX Who are these people and how is it that the account was sold while being handled by an attorney? 
This now appears XXXX on my credit report, which is affecting my overall score. 

I am really at a lose and do n't know what I should do from here.
I bank with Wells Fargo and I have been happy with them until about 3 Months ago when I had my account number changed due to fraud. When I originally opened my account I was not able to get over drawn unless I payed with check or using my account and routing numbers, the type of account I had didn't allow for overdraft so if the funds were not there to cover a transaction it did not get paid. Since getting a new account number the bank has let most transactions go through causing me to stay over drawn more often than not. I asked them on 3 separate occasions and they said it's up to them to decide what to pay or not but if I have not asked for overdraft then I don't understand why they can change it on their own. When speaking to another person who also banks with them I was told that they changed everyone 's account to a regular bank account and it allows transactions to be paid even if funds are not available and they charge for the overdraft. I find that to be unfair being that I usually have to agree and sign that I want the bank to pay items when funds are low
I have been a DISCOVER IT card holder for over a year now -when I applied after repeatedly getting solicitation from them to do so because I had a good credit score - I was issued a card with a limit of XXXX.at the time my score was XXXX. recently I received notification that they did a review of my credit report thru XXXX and made a decision to lower my credit limit to XXXX? right now my balance is approx. XXXX so I would be at my limit and that will effect my credit history, because it will show that I am almost at my limit. how can they just take back a credit limit? I tried to call to discuss and they gave me a number to call that no one answers and also they thanked me for being a valued customer for 8 years? this puzzled me because I have only been a customer for little over a year -my trust has been violated - and they are going to ruin my credit rating - because if it shows that I am utilizing my limit to the max that will lower my score someone needs to investigate this practice - I did not ask for a increase so if they did a review then they should have just left the limit as it was -they offered me the credit card - and they gave me a limit of XXXX and until I ask for a increase there was no reason to change anything between us - I am credit worthy conscious and have a good credit rating - I fear their act will lower my credit rating - I ran my report it says that I am utilizing over XXXX % of my credit cards and that has an effect on my score - with this act on DISCOVERS part to decrease my credit limit that utilization is going to go up more -therefore effecting my credit rating - I can provide a copy of my credit file showing that I in 12years have never ever been delinquent on any of my credit cards or loans - and I feel they did not have any call to review anything about me - they had already issued the card and gave me a limit - and until I ask them for an increase there was no need to pull a credit file and change our agreement and to me the agreement was DISCOVER GAVE ME A CARD WITH A LIMIT OF XXXX and that is what I expected and agreed to - I attached a few of the documents that I have been researching I think it is interesting that these be read by them instead of DISCOVER IT - THIS IS DISCOVER FULL OF IT
This year I 've been scammed by two different XXXX insurance  companies. The policy numbers exist only within those companies to bill me. There is no actual insurance that can be used. XXXX XXXX and XXXX XXXX. I have pleaded with Wells Fargo and they have ignored my story. Last charge to my debit card was for XXXX dollars. I initiated a dispute and Wells Fargo closed it immediately. They stated that I did not cooperate. They ambushed me at the branch on the phone in an unprofessional and completely inappropriate way that prevented me from handling the situation. Both of these companies are real, yet neither providing a usable policy. Wels Fargo claims that my purchases are protected from fraud and clearly that 's a lie and false advertising.
I checked my credit report to find that XXXX XXXX XXXX is reporting my account as 30 days past due one time. I do n't ever recall being past due on this account and I find it quite odd that 1 ) it has n't been updated since XX/XX/XXXX and 2 ) they fail to indicate on the report when ( what month and year ) I was allegedly " past due. '' When I wrote to them in XX/XX/XXXX, their response was that " there was no payment record error made and the delinquency that appears on the file is valid. '' I do not agree with this. They fail to indicate when ( if at all ) I was past due and refuse to remove it. I specifically request verifiable proof from XXXX XXXX XXXX to confirm the accuracy and validity of said reporting and if they can not comply within 15 days, which is plenty of time to satisfy my request, I request that the derogatory remarks of " Past due, 30 days '' be removed from the reporting of this account from all three  major credit bureaus, Equifax, XXXX and XXXX.
Today I checked my credit report and noticed I had an unpaid debt " derogatory remark '' against me on my XXXX report. It listed a City of XXXX ( original creditor ) unpaid parking ticket placed there by Professional Account Management ( debt collection agency ) on XX/XX/XXXX. I have never received correspondence regarding this ticket or debt from either party. 

I called Professional Account Management on XX/XX/XXXX at XXXX and they did not have my current address on file. They had a previous address in XXXX from 10 years ago. They claim mail was never returned as undeliverable so no attempt was made to verify my contact information. They told me my only option was to pay or contact the City of XXXX. 

I then called the City of XXXX parking on XX/XX/XXXX at XXXX and spoke with XXXX. The City of XXXX did have my correct address on file ( I did not provide the address for verification -- he provided it to me ). XXXX stated that the ticket was from XX/XX/XXXX for a blocked sidewalk citation and said my only option was to pay the debt. 

I never received the parking ticket on my car. I never received correspondence, either in writing or over the phone, from the City of XXXX or from Professional Account Management, even though the City of XXXX had my correct address. I have lived at the same address for the past 2.5 years, and my correct address is listed on my Texas driver 's license.I have no other derogatory remarks on my credit report and have paid all bills reported on time. I feel that this nuisance debt for a parking ticket was unfairly reported to credit bureaus -- if I had been contacted by either the City of XXXX or Professional Account Management and given the chance to pay the debt, I would have paid it to keep the charge from appearing on my credit report. It is n't fair that a negligible debt I was not made aware of can damage my credit score.
Hi, So in  XXXX  we applied with   XXXX   XXXX   XXXX   for  a Business   Cre dit Card we Authorized them to do a Hard Inquiry on   X/X/   17. Then realizing this product did not waive Foreign Transaction Fees we   reached out to them to possibly do a product change to a  Travel c ard which does waive these fees. They stated it would require another  Hard Inquiry w hich reluctantly we agreed to on    XX/XX/XXXX /17 .  Other than these  2 oc casions I did not make any other authorizations do to a  Hard Inquiry on  my credit report either on       XX/XX/XXXX /17 or  XX/XX/XXXX /17.  Today I just got a notification from  XXXX  that there was new activity so I logged in and saw a new Inquiry I have n't called    XXXX   XXXX   XXXX    or spoken to any of their representatives at all today or even this week. Then I went on Transunion 's site to dispute it and noticed another pull from   XXXX   from   XXXX   XXXX   XXXX  . This is crazy,  XXXX  inquires in not even 4 months from them. I tried to dispute it with Transunion because I did not authorize them for a  Hard Inquiry, o r even a soft  Inquiry for  that matter, but they would n't let me. I contacted  XXXX  they told me to file a CFPB complaint against Transunion so that 's what I 'm doing.
Have tried to work with Experian, XXXX and XXXX over the past 8 months to fix problems related to 5 late payments that incorrectly posted to my credit report from XXXX XXXX credit card XXXX Financial car loan, and XXXX mortgage accounts between XXXX XXXX and XXXX XXXX. They have strung me along telling me months ago that I need to wait for the dispute process and they would get it fixed ... They did n't ... Then once it went over 60 days they declined and closed all my disputes out and I have been unable to reach anyone on the phone or via online requests to get this resolved. The facts are that the payments were posted late due to errors from the companies listed above not posting my payments properly via their online payment systems, which were down at the time and they advised penalties would not occur ... I tried to contact them between the months of XXXX XXXX to the present and have had no success, I heard that you all could help ... I have reached out and put in direct disputes that are now closed with all companies listed above and Experian, XXXX  and XXXX and it was never removed or resolved from my account and its really hurting my credit from me being able to refinance my house or purchase a used vehicle ... Please help!
XXXX private student loans were taken out on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No payment was ever made on the account, so it immediately went into default as of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Per the loan agreements, the first payment is to be made 60 days from separation from the school. I dropped the classes the first week they started. Essentially at this point the loans are out of the statute of limitations. Because they sold the debt to a different company in XXXX they are deeming that to be a payment. This should no longer be on my credit profiles, and I have wrote numerous letters. The collection agencies took it off of my credit when I provided them with the validation of the contract, but the original credit is still reporting derogatory.
I have 5 private student loans with XXXX that became active this year. I am an active student working on my masters. I was notified by XXXX this year that 5 of my loans with them have become active for payment. I started a payment plan with XXXX on XX/XX/XXXX. They electronically withdraw their payment each month from my XXXX bank account on or around the XXXX of each month. XXXX is reporting 60, 90, 120 day lates on my credit report for months they have collected their payment. Here are the dates : Credit report shows 60 day late XXXX when {$100.00} payment was made over the phone to stop harassing calls. Credit report shows 90 day late on XXXX when {$220.00} telephone payment was made on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX I also show 90 and 120 day lates on my credit report in the year XX/XX/XXXXwhen I was an active student at that time and all of my student loans were DEFERRED. Here are those late dates : 90 day late for XXXX, 120 day late for XXXX, 120 day late for XXXX. I have tried calling numerous times and I have been unsuccessful in resolving this urgent issue. I have disputed these late payments with the credit bureaus and each time XXXX responds with no changes made. I have sent written request via registered mail to XXXX asking for this payment history to be corrected, and again they have not responded. I have emailed their complaint department and again, no response from XXXX. I have depleted all of my options and I am very frustrated. XXXX is hurting my credit and scores tremendously when they are collecting their timely payment each time. How can I possibly be late when they collect their money each month? I have proof of payment by providing a Bank statement for each month they claim the payment is late.
On XX/XX/XXXX Comenity Bank/XXXX, Comenity Bank/XXXX and on XX/XX/XXXX Comenity Bank/Victoria Secrets pulled my credit report for a credit limit increase, i later was notified by letter that they could not obtain my report and could not contact me with the information on file. Also the request could not be processed. A hard pull was place on my XXXX credit report but they claim that it could not be processed. I contact them and was told by a supervisor to dispute the inquiry and it would be removed and the request would be sent to the credit reporting department, i have disputed it twice and each time it comes back as verified.
I received a call on my cell phone voicemail that stated that person name is XXXX which is the manager she stated that they had gone to court and that if I want to resolve this I could come into the office so they could collect the collateral or if not they would be at my house today with a locksmith in the constable which I felt was uncalled for I know that they can not do this and I feel like they are harassing me in this matter
This is an update on the original complaint cas number XXXX Received a letter on XXXX XXXX. From Bank of America dated XXXX/XXXX/2015 that my mortgage refinance has been denied due to insufficient property value. Now I was under the assumption that they B of A were reviewing my complaint of my appraisal not being done in a professional manner and that my request for a refund of the appraisal was still under review.. What this letter is telling me is they have no intention of reviewing or refunding my money as the appraisal is so way off base and it would not benifeit them from refinancing my loan. I see this as an unfair and devious practice when they initiated the loan via when they sent me a letter stating I may be elidgable for a lower Interest rate. 
XXXX XXXX
Co signed a loan for an individual in XXXX customer then defaulted and the car was auctioned then I settled in XXXX with this company Santander for XXXX and they have not applied the XXXX to the account and now I am being harassed and the account is reflecting on my credit. This original debtor is deceased as of XXXX XXXX and I have sent them the proof of the payments I have made to them. The deceased individual estate should have taken care of all debts what can I do?
please find attached the documents and my dispute letter for XXXX of my fed loan accounts, these accounts have never been late and never been delinquent. i have disputed few times with XXXX major credit bureaus but not been successful, also have written letters to the creditor as well, still no resolution. 
please help me to remove these late. negatives from my records. 
thank you
My name is XXXX XXXX and this is in regards to my my brother, XXXX XXXX, who took a payday loan out with Cash Net USA in XXXX XXXX according to XXXX XXXX with Cash Net USA who provided me this information today XXXX XXXX, XXXX because he was thinking I am XXXX. XXXX XXXX never paid the loan back, and since he gave my name and number and my sisters names and numbers on the application, Cash Net USA and a private locator by the name of XXXX XXXX that they have hired, have been calling us and harassing us about the loan. XXXX XXXX leaves threatening messages stating that the message is for XXXX XXXX and that if they do n't get in touch with XXXX that they will have to take legal action in court. From that message, anyone listening to it can tell it is regarding a debt. Those messages are embarrassing to us and we do n't want our children or spouses have to listen to those types of messages left on voicemails. We never gave Cash Net USA or XXXX XXXX authorization to provide our phone numbers on the application. That was done without our authorization. We have nothing to do with this debt and Cash Net USA and any individuals, like XXXX XXXX, that they have hired, should not be calling us at all or discussing the account with us at all that they have done. We do not have anything to do with XXXX XXXX as we do not speak with him and do n't want anything to do with him. All of us have been estranged from him since XXXX.
On XX/XX/19 a credit card that i had for a year was closed without notice. I had auto payments and was locked out of the account and could not see any information. Was told I would recieve a letter. Today I received 3 letters from the bank 1 was a statement witha late fee the second was the notice that the account was late and the 3rd was a notice dated for XX/XX/XXXX saying that the account has been closed. I don't feel I should be incurring late fees on an account I have no ability to pay online and was set up for auto payments which they canceled when the closed the account. I feel they did this on purpose with the intent to try to damage my credit.
First, I recieved a title loan from Baton Rouge Financial XXXX in XXXX XXXX, La. The first title loan was XXXX in which, BR financial held the title in case I did n't come and pay it off, they  would come and reposse it.So I paid it down from XXXX to XXXX. Then went an financed anothe title loan for XXXX and thats when BR finacial after paying until XXXX. Baton Rouge Financial ask me about refinacing I thougt the payments was gon na be cheaper but my total title loan went up to XXXX. I told them several times come get the vehicle.They said they they did not want it. The vehicle was in good shape. so I started making payments again but this time out of my account.As of XXXX XXXX was my last payment that was drowned out my account. The was not subtracting the difference nor reporting it to the three crediting bureau, on time every month. Now they want me to pay XXXX which is wrong all the way around. The lady XXXX XXXX came out to my house threatening me and sent emails. They still has the title. Nothing is accurate with the information. I wish that BR financial please delete and or remove this from/off all three credit bureau.It is misleading.
I happened to check out what was going on with my credit report. I noticed several inquiries, that do not belong to me. Please remove them from my credit report immediately as this is poor judgement with on my character and credit. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX - XXXX XXXX Inquiry from XX/XX/XXXX
i have repeatedly requested via phone calls and this forum for a complete breakdown and explanation of any and all payments received, fees charged, etc. on my loan.     i have received some paperwork but it does not include breakdowns nor explanations.     i 100 % disagree with the balance.
There are XXXX addresses listed on my credit reports for apartments or homes where I have never lived in my life. As a result certain accounts associated with those XXXX addresses, which are not my accounts, have negatively impacted my credit scores.
Was shopping for refinance loan on my home, XXXX XXXX informed me that any inquiry would not be a hard inquiry yet they pulled a hard inquiry twice in the month of XX/XX/2017, and XX/XX/2017 using Institution Information company XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
I have contacted Experian, I have also provided them with a letter from the furnisher of the information and yet Experian fails to remove the erroneous information that is outside the reporting period as it has passed 7 years and the statue of limitations for this debt have also passed. Experian continue to report XXXX/ XXXX on my credit. While the lender who purchased it from the original creditor states there is a zero balance Experian continues to report the original creditor with comments purchased by another lender thus not verifying that the debt is not owed. Such information should have been deleted when I asked months ago. Experian is in violation of FDCPA and the FCRA.