Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Keep getting calls about your loan

I have two loans with Sallie Mae. On Tuesday, XX/XX/XXXX I called them to say that I didn't have the payment ready yet. I asked if I could be taken off their automated calling list and they said they would do that. The next day I get an automated call, and I explain to them that I said on Tuesday that I wished to be placed on the do not call list. They made a note of it and said they would take me off the list. The calls kept coming however, up to today, Saturday the XXXX. They have repeatedly lied to me, by now saying that I should just block their number, or change my phone number on their website. They also said since I live in California, I need to send them a cease and desist, which was never mentioned in the first call. I have never been harassed like I have been dealing with Sallie Mae. I can not afford a lawyer, and my co-signer is my brother in law who does not have the funds either, and in total it has totally our relationship. I don't know what to do other than going into litigation, or straight up calling the police. I told them I don't have the money yet, but I can pay back eventually, but they don't understand, or even care. I'm on the verge of going insane. And I don't know what to do anymore. 

Thank you for listening.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

inquiry were not removed
Complaint sub-issue: Account status incorrect

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Furthermore, I have never missed a payment on this account.
Complaint sub-issue: Personal information

A New York address is on my personal information. I have never lived in New York and this is the 3rd time I have reported this error! What do I have to do to have this wrong address removed?
Complaint sub-issue: Reporting company used your report improperly

Back in XXXX XXXX, I contacted LexisNexis to place a security freeze on consumer file and suppress consumer file. I applied for an apartment which uses XXXX screening. I requested from them a copy of my Report/File Copy of the information they had for me. When the sent me my information it stated that information was furnished to them via LexisNexis. I never gave authorization nor gave them permission to remove security freeze or unsuppress my consumer file. They have clearly violated my trust and right as a consumer. The have also violated several sections and articles of the FCRA. I have already contacted my attorney about this. The info they provided is info that is not to be disclosed to anyone without my written permission which was not given. I even have the letter with the pin they sent that stated that it was frozen and suppressed.
Complaint sub-issue: Information is not mine

There is a dismissed bankruptcy on my credit report that belongs to my father. We share the same name, however he is XXXX XXXX XXXX, and I am XXXX XXXX XXXX. I have never filed bankruptcy. I have repeatedly attempted to have this information corrected, to no avail. Equifax claims to have " verified '' the information..
Complaint sub-issue: Their investigation did not fix an error on your report

The XXXX XXXX  XXXX loan with XXXX is improperly stating that I was late 119 days. I produced a letter showing the payment deferment status. The credit bureaus continue to improperly report which caused a 68 point drop in XXXX. I am seeking to apply for a new car loan and with the current status I am unable to get approved due to the 68 point drop. I emailed and faxed the letter showing payment status for the time frame that the XXXX XXXX, Equifax, and XXXX  show as being late 119 days. Please help!!!!
Complaint sub-issue: Information belongs to someone else

According to my research about FCRA XXXX, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX is a result of a fraudulent account that was opened using my information without my knowledge it appears that there are two separate accounts for a line of credit and a credit card totaling the amount of {$5000.00}
Complaint sub-issue: Reinserted previously deleted info

The deleted personal information on my file keeps re appearing on my report and I would like for it to stop immediately. I have disputed with success this information 3 times but it comes back on my report often.
Complaint sub-issue: Account status incorrect

For over four years I have maintained an exceptional payment history on every account. During this time I have also paid off several accounts and presently have a XXXX balance on all remaining revolving accounts and paid off two installment accounts for over {$11000.00}. My only obligations at this time are my mortgage and heloc. Last year, I had paid ahead my XXXX XXXX installment account so I didn't have another payment due until some time in year XXXX. I decided to go ahead and pay this account off anyway about a month ago for over {$4000.00}. 
Last week my score went to XXXX and I was fine with that. I thought someone had finally taken the time to begin to fairly adjust my score. However, after my report recently updated to show a {$0.00} balance on an OPEN revolving XXXX  account, my score went DOWN to XXXX and all of a sudden I have " Lack of sufficient credit history ''. ( The closed XXXX  account on the Equifax Report shows an age of XXXX XXXX. ) Also, there were " Too many inquiries '' according to Equifax. ( I have nine inquiries with one dropping off this month and three dropping off this year. Two last year were obviously competitive and one inquiry " XXXX '' should not even be on my report-I disputed it as fraud but it is still there! My credit report was locked during that time so how did this happen? Also all but one are from the SAME lenders I have been with for years now and the new one is for my son 's student loan deferred until some time in XXXX for {$99.00} mo. Additionally, there have been NO INQUIRIES THIS YEAR. So is Equifax grasping for something? ) I have no bankruptcies, judgements, liens and nothing that should negatively affect my credit report account at this time. 
Equifax is not fair. I have PLENTY other examples that I can share if needed. I have to wonder am I being discriminated against, or does the company get more money to keep scores low, or are their staff trained this way??? There is something going on there and it is not fair. Equifax will find a way to keep your score from rising. 
I feel that Equifax IS being discriminatory, if not by race, by some other measure that ultimately hurts those already at the lower end of the credit scale. Please look into this.
Complaint sub-issue: Information is not mine

hello I was checking my credit report with your company and I found different agency and card that I never fill out or use. and very worry about my credits
Complaint sub-issue: Old information reappears or never goes away

SageStream LLC evidently does n't now know and report, even after my telling them, what every other reporting agency has known sinceXX/XX/XXXX2016. That 's when my disagreement with XXXX XXXX XXXX was finally settled and the judgement, which never should have been processed, was removed.
Yet SageStream LLC persists in damaging my credit rating nearly a year and a half later. I was just denied a loan because of them.
My score with XXXX is appro
x XXXX. SageStream appears to suffer more than a lack
of due diligence. They seem unwilling or unable to function as they 've been authorized to function.
Please do a web search to find numerous similar complaints.
I 'm asking that their licence to practice their profession be reviewed. It 's a systemic problem. I 'm told that " most credit card applications are checked th
ru SageStream LLC. so they are positioned to do a lot of damage to customers. Every legitimate entry that has been on my record have been medical bill that the VA Choice progra
m eventually pays.
Complaint sub-issue: Public record

Equifax continues to show on our credit reports XXXX Chapter XXXX bankruptcy filings from XX/XX/XXXX and XX/XX/XXXX as if they are still active Bankruptcies, despite XXXX complaints and proof that both bankruptcies were filed well over 7 years ago and should have been removed in XX/XX/XXXX and XX/XX/XXXX respectively. See attached rules for removal of Bankruptcies from credit reports and latest incorrect response from Equifax. This incorrect reporting is badly harming my credit.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Account information incorrect

I have not been late on my mortgage since XXXX. So, at the end of XXXX ( maybe XXXX ) I applied for a loan modification. They needed a particular document that I could not get until XX/XX/XXXX. So, in XX/XX/XXXX I applied again for the for the loan modification. It was approved. In XX/XX/XXXX ( i believe ) I began making the new loan modification trial payment. I always pay my mortgage the last week of the month prior. So mostly a week early. On XX/XX/XXXX when I went to make my XX/XX/XXXX trial payment I could not. At that time I was advised that my modification was denied because I was sent documents in XX/XX/XXXX and that I did not return the documents. These documents according to XXXX agent # XXXX, were the original docs that I had already submitted and returned notarized. I was told that the docs were sent via XXXX XXXX. I asked them to check the tracking because I never received any documents. Each time I spoke with XXXX agent # XXXX. She stated that she checked the tracking number and that it never left XXXX. I then asked if she could roll this up to her managers because I had been very careful to do everything that was asked of me. She told me that XXXX XXXX agent # XXXX was the one that needed to revised the decision. Again to no avail. On XX/XX/XXXX I spoke to XXXX again who told me that she spoke to her supervisor, XXXX XXXX. That XXXX XXXX was going to reach out to XXXX XXXX directly yo see why docs were resent that I had already signed and sent in. And to see why I was denied. Again no resolve. On XX/XX/XXXX I was then told that needed to complete another loan modification since that one was denied. However, I was never given a reason or any assistance. Then I received a late payment on my credit report. And I had to pay XXXX over {$16000.00} to get my account current because I was afraid they would take my home because I began getting nasty collection calls. Then to add even more insult. After I paid the $ XXXX they sold my account to another company.
Complaint sub-issue: Their investigation did not fix an error on your report

I received my LexisNexis file reinvestigation results on XX/XX/2022 and there are still inaccurate information showing so emailed documents show the inaccurate information. 

According to the law 15 U.S. Code $ 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 
How did they complete this investigation?
Complaint sub-issue: Frequent or repeated calls

There is a company called IC Systems that keeps calling me on my cell phone everyday like 8 times a day. but if you answer it they just hang up. I googled their # and other people say its a Debt Collector. I have not received any mail from this company.
Complaint sub-issue: Reporting company used your report improperly

i have never spoke to them about this collection. i have no idea what this is from. these collections are misunderstood and fraud. they have been on my report without my knowledge. 

In accordance with the fair credit reporting act XXXX  account XXXX & XXXX, IQ DATA INTERNATIONAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 usc 1681 section 602 states I have a right to privacy.

15 usc section 1681 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Complaint sub-issue: Information belongs to someone else

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Please investigate and remove the following inquiries and accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Complaint sub-issue: Account information incorrect

On XX/XX/2019 I paid off a loan from XXXX XXXX XXXX. I paid the loan off completely and in full. They are currently reporting this as a settlement, which is a deliberate and malicious statement. This loan is the result of cross-collateralization, basically strong-arm tactics. I was very vocal about their unethical business practices, and noW that I piad them off, they are deliberately reporting this gross inaccurate information.
Complaint sub-issue: Their investigation did not fix an error on your report

REPORTING OF ADDRESSES THAT ARE NOT MINE I AM UNABLE TO LOG IN OR FREEZE THIS ACCOUNTS THIS IS A VIOLATION OF RIGHTS THEY HAVE YOU SEND IN INFO AND THEY DONT REPLY THESE THIRD PARTY PRIVATE BUREAUS ARE REPORTING INNACURATE DATA. I HAVE NOT APPLIED FOR CREDIT IN YEARS. PLEASE REMOVE OLD INFORMATION AND FREEZE THESE REPORTS 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code Notes MY NAME IS XXXX XXXX XXXX MY ADDRESS IS XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX MY PHONE NUMBER IS XXXX XXXX XXXX MY EMAIL ADDRESS IS XXXX MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 15 U.S. Code 1681i THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Complaint sub-issue: Threatened or suggested your credit would be damaged

This complaint is concernin g a 4 year old  medical bill from  XXXX   XXXX    XXXX    XXXX . The bill is for the amount of {$270.00} and it 's been destroying my credit ever since. I only saw the doctor twice, he gave me a the wrong medication, which really did a number on me, and then later on. I find out that this doctor was in fraudulent activities, which includes {$200000.00} in bribe payments in a dubious scheme involving a   XXXX   XXXX   XXXX   XXXX  . I 've tried to talk to them, but the nurses that work there are nasty and just hang up the phone on me. Moreover, then they would call me, they would threaten me and tell me if, I did n't pay the doctor, that there would be some serious consequences.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed information on several occasions with the three major credit bureaus. One minute they delete the information the next minute they are reinserted back on my credit file, and displaying wrong information. Below are the items that I have disputed before and have been deleted and " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

There are also several inquiries on each of my reports stating I gave permission for my credit to be ran for a new car in XXXX XXXX. I walked into XXXX XXXX with a letter from my Credit Union with how much they would finance. I never gave permission for them to run my credit through anyone else my vehicle was already done. Each of them state " The inquiry was of Factual Record, whose record? the inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 1. XXXX This is a fraudulent account 2, XXXX XXXX XXXX. This account was deleted, it also had a message saying that this account was due to Natural Disaster or Emergency, deleted from all three bureaus, in XXXX and XXXX only to be reinserted. They refused to go back and disputed again ( All three bureaus state they will not dispute again. 

3. XXXX XXXX Was deleted and reinserted due to unverifiable information and fraud. The Credit Bureau ( XXXX  and XXXX  ) Refused to re dispute stating it was frivolous but deleted from equifax. 
4. XXXX XXXX This account information is incorrect it was opened XX/XX/XXXX, and was deleted because of fraud. 
5. XXXX XXXX. This account was deleted in XXXX when I had a lawyer go after them, only to be reinserted. XXXX  won't re dispute they have not come back on Equifax or XXXX. 
6. XXXX XXXX XXXX. The account information is incorrect, name, when account was opened, balance etc. It was deleted from equfax, but XXXX  and XXXX  keep reinserting. 
7. Bankruptcy filed in XXXX was fraudulent. The bureaus ' state they got their information from XXXX XXXX and I have a report from them stating they have no information regarding a bankruptcy on me. 
8. XXXX XXXX , never late As stated above, these actions take by these credit bureaus are in direct violation of my rights and I demand that they be removed or I will seek legal action against each company individually for violating my rights as a consumer.
Complaint sub-issue: Information belongs to someone else

I am utterly frustrated to see that the Credit Bureaus have done nothing to remove the inquiries that were the result if the Theft of my Identity despite the countless written letters that I have been sending to the Credit Bureaus. It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Secured credit card was opened with PNC bank in XXXX. Account was opened fraudulently. The account began reporting as charged off in XX/XX/XXXX. From that point until XX/XX/XXXX, the account reported as a charge off. On my credit report, it is reported as XXXX charge offs for the amount of {$9.00}. PNC is only reporting this account to XXXX and XXXX, not XXXX  ... Ive reached out several times to PNC to tell them of the error. I have filed complaints and challenges previously as this issue has become extremely burdensome.