Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I have reviewed my credit report and I believe the following information Is not reporting accurately. Please investigate and verify the following information. I do not recognize the account names and account numbers in the credit report and I am very distressed that I have inaccurate accounts and inquiries.
Complaint sub-issue: Information belongs to someone else

I rented a property from XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. From the original move in date until my move out date once my lease ended was nothing less than a nightmare dealing with the many repair and malfunctions of the property along with the property management company XXXX XXXX XXXX. One of the major issues as well as safety concerns were the electrical in the home. The lights flickered on one side of the house with constant outages as well as no power at all for 2 months in the kitchen. After a ridiculous amount of emails and phone calls to no avail. I sent a ceritified letter to owner of the property XXXX, XXXX XXXX that I wasn't paying rent and if and when they decided to make the necessary repairs I'll start back paying. That's when my phone start ringing nonstop for people to come out. They tried to blame us for their faulty wiring but it didn't work. Also their technician sent mistakenly sent me the invoice indicating there was not enough power coming into the home. I called XXXX they sent the big truck out and the technician stated that they had faulty wiring. So XXXX removed the meter and estimated our bill every month for two months until XXXX XXXX did the repairs.However nobody never apologized for the inconvience, responded to phone calls or emails or even compensated us for the expense we had to incur for eating out for two months and no hot water of and on. The list goes on and on. However the month prior to our lease end I received a phone call asking if I were renewing the lease. I stated absolutely not. Before leaving the property with less than 30 days left I was served with eviction documents. I obtained an attorney. we never received any documents for court. We took pictures and video of the property once it was cleared out and cleaned per the attorney and turned the key in to the attorney. In XX/XX/XXXX I received a letter from a collection agency name XXXX XXXX XXXX XXXX for XXXX XXXX XXXX as well as it was placed on my Equifax credit report. The amount started at {$6000.00} plus and as of today its reporting {$7300.00}. We all know this is nothing short of a lie. XXXX XXXX had my attorney asks if I would settle for them just keeping my deposit of {$1800.00} and they would remove the eviction. Originally I disagreed because I know I didn't damage or owe them for anything. After a year and the case still lingering still never a court date or actual proof of supposedly damages I agreed to settle. This negative mark has been detrimental to my credit and the ability to provide adequate housing for my family. I've disputed this several times with the collection agency as well as Equifax. I have even sent them to court documents that this was settled and the eviction information was removed from the court records and they still haven't removed this negative item from my credit report. I don't know what else to do. Please help me in rectifying this matter.
Complaint sub-issue: Account status incorrect

This was paid off in XXXX by the insurance company. I was advised updates were submitted to the bureaus. Still shows open. This needs to be closed and removed.
Complaint sub-issue: Talked to a third party about my debt

I have made several complaints, about XXXX XXXX XXXX and their deceptive business practices. After, numberous complaints. I have made through your services about XXXX XXXX XXXX. Examples are as followed : A class-action 3rd Party suit, Identify Theft through using XXXX email DSL service, and underground wiring that XXXX XXXX XXXX refuse to spend the money to fix. I am still receiving from XXXX XXXX XXXX attempts, to collect a debt from their 3rd party collection agencies that they continue to submit. I have done everything, in good faith, to attempt to resolve this issue with XXXX & XXXX They have continued to be deceptive about the active lines, that were present in my home. Where XXXX of the lines, was a business line and years ago, I use to trade on that line. It was disconnected, but still active, in my home. The phone number was recycled to a XXXX restaurant, but still active in my home under that same number. The personal line, was just disconnected recently, after having the number for almost twenty years. Upon XXXX disconnecting the number, I was receiving messages that I can no longer make international calls. I have never made any international calls. These, international calls, are connected to the underground 100 year old copper wiring, that have never been repaired. Also, even after explaining, to " my '' local Board of Supervisor 's, that the green boxes on the corner -controls not only, the timing of the crossing signals, but also, the under ground-wiring to homes that were built in the XXXX 's. It, would cost XXXX XXXX XXXX, more money and it would not be a Quick Fix for it to be repaired. I am tried of being Impacted by XXXX XXXX XXXX, ineffective infrastructure issues, and what ever it takes to fix this issue for not just me but those that are attempting to use this service when the underground wires are on my property. I have also included the pictures in a XXXX Blog!
Complaint sub-issue: Reinserted previously deleted info

During the XXXX financial meltdown I had XXXX properties, XXXX primary residence and XXXX rental and all mortgages where with XXXX. I filed for bankruptcy in XXXX. The primary residence was sold via a Short Sale and I was able to SUSTAIN by curing the mortgage deficiencies on the rental property, which is an ACTIVE MORTGAGE with XXXX and has been in place since XXXX I have been informed by XXXX that INNOVIS DATA SOLUTIONS has an IN-HOUSE POLICY to delete ALL Mortgage History on a Mortgage that has a bankruptcy tied to it, thus in effect VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS AS WELL AS VIOLATING THE FEDERAL CREDIT & REPORTING ACT. 
INNOVIS DATA SOLUTIONS IN-HOUSE POLICY FLIES IN THE FACE OF PUBLIC POLICY. IT IS DAMAGING MY FULL CREDIT MARKETABILITY. XXXX has informed me that XXXX as well violated my 5th and 14th Amendment Rights by NOT reporting my ACTIVE MONTHLY MORTGAGE PAYMENTS during the time of bankruptcy filing and bankruptcy dismissal and did not RESUME my ACTIVE MONTHLY MORTGAGE PAYMENTS TO XXXX UNTIL XXXX, WHICH MEANS ALL OF MY MORTGAGE HISTORY HAS BEEN WIPED OUT AND DID NOT RESUME UNTIL XXXX. 
INNOVIS DATA SOLUTIONS IN-HOUSE POLICY HAS FAR REACHING RAMIFICATION AGAINST ALL CONSUMERS WHO MAY HAVE FILED BANKRUPTCY AND WERE ABLE TO HOLD ON TO THEIR PROPERTIES, THEIR MORTGAGE HISTORY SHOULD NOT BE WIPED OUT COMPLETELY AND INNOVIS DATA SOLUTIONS SHOULD STOP VIOLATING ALL CONSUMERS 5TH AND 14TH AMENDMENT RIGHTS! AS WELL AS STOP DAMAGING MY CREDIT WORTHINESS!
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have got to the fact that I dont assume too much from you now because you sustained to report this fraudulent information in my file although I have shown over the documents required to defend my distress about being an identity theft victim. I dont have faith in that you there at Equifax have no time to wrestle or analyze my complaints. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXX XXXX & financially... and I would truly not what to pursue a legal remedy ... Delete this account immediately! 


XXXX XXXX  XXXX XXXX  XXXX
Complaint sub-issue: Account status incorrect

I had a charge card with XXXX XXXX XXXX XXXX card number XXXX XXXX XXXX with a {$4600.00} balance that was charged off. I attempted to settle this debt with XXXX XXXX but was told the debt was " cancelled ''. They sent me a XXXX ( which I have attached ). A cancelled debt that I am unable to pay can not remain on my credit files. I can not be held in jeopardy for something that I am unable to correct.
I disputed this with Equifax, XXXX XXXX and directly with XXXX XXXX and they left the item on my file.
Complaint sub-issue: Debt was result of identity theft

Someone applied for me and my mom 's name for a apartment we didn't even have any knowledge that our information was used to get a apartment and we were charged {$480.00} on XX/XX/2020 then they charged us {$550.00} on XXXX XXXX without even knowing why we were charged from the company in the first place. And each month we contacted the company about it and all they did was charge us more money each time even when we explained the problem to them.
Complaint sub-issue: Account information incorrect

i have tried many times times to correct these issues with XXXX  and Equifax many times, i have sent them letters on XX/XX/2021 to dispute this inaccurate information that they are reporting on my credit report and i have not heard from them concerning this matter.I will send this information to my attorney if not responded.i have attached copies of the letter below
Complaint sub-issue: Problem using a debit or ATM card

There was fraudulent activity committed on my account on Wed., XX/XX/2019. I was not notified by my bank whatsoever. I noticed me being locked out of my online banking app and I called the 1800 number that night when I got home from work in regards to me being locked out. They proceeded to tell me that there was a hold on my account due to fraudulent activity. The operator told me to go to my branch the following day ( XX/XX/XXXX ) and take my ID to get things resolved. I went the following morning to the XXXX XXXX XXXX branch in XXXX, IL. The banker told me that they were going to close my account due to my account putting their bank at risk for fraud. She asked me did I issue my login info to anyone and I told her that I did not. She proceeded to tell me that their would be a hold on my account to where I can not withdraw money but deposits are still able to be made. I told her that my work check would be deposited on the next day, Friday, XX/XX/XXXX. I called my job and they said they had already deposited the money that morning ( Thursday the XXXX ) and that the only way they could give me a paper check was if the bank rejected the deposit. I asked the banker could they put a hold on it for deposits to be rejected as well, she told me no. The next day, which was Friday XX/XX/XXXX, I called the branch to speak with a manager about me being able to take my deposit out of the bank during this investigation. I was informed there was a double hold on my account now that was put into place that morning. My direct deposit has already hit my account at this point. The bank waited to collect my direct deposit before placing that deposit hold on my account. I talked to the assistant manager who was very rude and disrespectful. She told me I had the option to pay the negative amount in my savings account to make it {$0.00} and then the hold would be lifted and I could withdraw my funds from the checking account. I didnt understand that. The asst. manager told em over the phone that she did not have time for attitude and that was the only option I had. I asked her for her name which she failed to give me and refused to give me. She told me if i paid the money that maybe, well see about giving me the money in my checking. I told her I would call the XXXX XXXX XXXX and let them know how rude and unprofessional they were. She proceeded to call me a fraud and tell me good luck with letting the XXXX know that I am a fraud and committed fraud on my own account. She then hung up on me. So on Saturday, XX/XX/XXXX, I went to her specific branch to try and gather and understanding as to how Im responsible for them giving money for a check through my online mobile banking app without my proper signature on it, and also Ive never had that much money in my account ever. They didnt call and verify this online check with me. They made {$200.00} available and the hacker withdrew that {$200.00} instantly through the atm. I should not be responsible for this {$200.00} because they failed to protect me through verifications. Now they are holding my money in my checking account.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern : I have recently been informed that you removed and then re-inserted negative information in the file you maintain under my Social Security number. It is a F.C.R.A. violation, and i was not informed by you.Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 

XXXX XXXX Reported : XX/XX/XXXX {$2200.00} XXXX XXXX Reported : XX/XX/XXXX{$1000.00} There are no contracts, no valid claim ... accounts were settled with original creditor, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Complaint sub-issue: Personal information incorrect

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX I have lived at this address for over XXXX XXXX, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute about the inaccurate and fraudulent accounts on my credit report with this company and it's been well over 30 days and I havent received any investigation results.
Complaint sub-issue: Reporting company used your report improperly

Multiple times I have requested to have every piece of information investigated and verified on this account ( XXXX XXXXXXXX ). ( XXXX XXXX XXXX XXXXXXXX ) According to the FCRA XXXX the term " investigative consumer report '' means a consumer report or portion thereof in which information of a consumer 's character, general reputation, personal characteristics, or mo

de of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he/she is acquainted or who may have knowledge concerning any such items of information. I have received responses that the account is verified, but how is that possible if every piece of info on this account is not reported accurately? Clearly, according to the law, a proper investigation has not been completed. According to the FCEA 15 USC 1681, everything has to be 100 % accurate. I have attached updated reports ( after being told that everything is verified/accurate ) showing that that is in fact not the case, things are still being reported inaccurately, so clearly a proper investigation w
as not completed. 

accounts : ( XXXX XXXX ). 
( XXXX XXXX XXXX  XXXX )
Complaint sub-issue: Didn't receive notice of right to dispute

Last Reported XX/XX/XXXX Collection Agency I C SYSTEM Original Creditor 01 XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$160.00} High Balance {$160.00} Remarks Placed for collection The action I took was to deal with the membership company in regards to letting me postpone for a later date. I was unemployed at the time and only XXXX years old. They told me there was nothing they could do. I didn't want it affecting my credit at an early age which is why I want to fix it now. They were not helpful at all. I never received notifications that I am able to dispute.
Complaint sub-issue: Overcharged for something you did purchase with the card

Went to XXXX XXXX on vacation for one week, while I was there on XXXX, I went to a fruit market on the side of the road called XXXX XXXX XXXX XXXX XXXX and bought a couple of pieces of fruit. I used my Citibank XXXX XXXX card to purchase what was about {$3.00} of fruit. When I went home I realized on XX/XX/XXXX that my card was charged {$2200.00}. I contacted Citibank and filed a dispute with them, stating that I did not have proof of how much I should have been charged because I did not keep my receipt. I attempted to contact the merchant directly via XXXX and XXXX on XXXX and XX/XX/XXXX respectively but no one ever responded to my messages. Citibank sent a letter on XX/XX/XXXX asking for proof of the transaction. I called Citibank on XX/XX/XXXX to explain that I do not have proof of the transaction and spoke to a supervisor who stated to respond to letter about not having a receipt. I mailed my response on XX/XX/XXXX because I wanted to wait for the merchant to respond. I explained in my letter the situation on how I did not have the receipt and could not get it despite my attempts to reach out to the merchant. It was mailed to be next day delivery. On XX/XX/XXXX I received a letter from Citibank that because I could not provide any proof of the transaction, my dispute is closed and I have to pay the total amount. On XXXX I called Citibank who stated that it was a MasterCard issue regarding the lack of evidence of the transaction and that there was nothing else Citibank could do. On XX/XX/XXXX Citibank was called again for clarification about the issue and that no appeal could be made on the dispute unless proof of transaction was provided.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ( and only Equifax -- the other two CRAs don't have this issue ) lists a former address as my current ( they are missing my two most recent addresses, and list a former address in another state as current ). I would not care, except this is causing issues with financial institutions/applications. 

I have made repeated attempts to directly address the issue with Equifax, including ( 1 ) filing two disputes ( XX/XX/20 and XX/XX/20 ) with them to have the information corrected and providing substantiation and ( 2 ) calling their GCC team, who are distinctly unhelpful ( their call center automated system doesn't verify properly ; and seems designed to shunt people to cheaper servicing options -- this would be fine if their automated/online systems worked ). GCC simply reads back that my former address is still listed as current without providing any clarity as to why they haven't corrected the address ( based on the information I provided as well as all the info the banks have been directly submitting to Equifax ( my addresses are properly reflected with those companies ) ). Curiously, Transunion almost immediately update my report with my new address after I updated with the financial institutions -- unclear what's the deficiency with Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX   which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Problem with paying off the loan

I traded the XXXX XXXX XXXX that was being finance with XXXX XXXX XXXX on XX/XX/XXXX. The pay-off amount of {$28000.00} has been received by XXXX  which " {$0.00} '' my account out. They are showing a payment for {$XXXX} for the date that my old loan would have been due XX/XX/XXXX. 
Due to the fact they have been paid and received the told pay-off, this account should completely close and zero out!
Complaint sub-issue: Didn't receive enough information to verify debt

Americollect XXXX- {$450.00}, {$680.00} and {$1000.00} Disputed with the company on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.