23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It is ilegal to add something that was removed as inaccurate on my credit report remove all negative items immediately as soon as possible The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX This showed up on my account I didnt request this from them. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX- XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXXXXXX. 
( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXXXXXX XXXX XXXX XXXXXXXX. 
( XXXX ) XXXX JPMCB - CARD SERVICE Inquiry : XXXX. XXXX, XXXX + XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX. 
XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX OF Inquiry : XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX + XXXX All Banks XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX
Product: Credit card or prepaid card

on XX/XX/XXXX18 too my dog to be treated for XXXX dr did XXXX XXXX on him and said he found nothing wrong with him. So I took my dog to a other vet clinic and that dr prescribed him XXXX I disputed with Citi bank two times and last dispute they told me if I got a letter signed by his last vet dr who took care of my dog he put him in XXXX. They told me if I send them letter signed by his last dr they would give me credit and they lied. I still have the charge in my account and that is why I contacted cfpb I hope you understand my situation and please help me I feel is not fair to pay XXXX when that dr didnt even take care of my dog all he did is test and said theres nothing wrong with him. so why did last d prescribed him with XXXX if there was nothing wrong with him. This the reason of my dispute I refuse to pay this merchant for his bad incompetence services. and he also send me a letter stating to never put foo in his clinic I feel that is like a threat and very unprofessinal. Thank you hope you understand XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Ive been dealing with procollect inc and XXXX XXXX XXXX for years. They have not verified any debt of mine nor has proved any debt belongs to me. Ive disputed numerous times and has contacted the XXXX  to help resolve the issue. Ive had no luck. Ive been dealing with this issue since XXXX and Im fed up. 
Accounts numbers XXXX XXXX Pro Collect-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying to see what I was preapproved for with XXXX XXXXXXXX with the understanding that it would not affect my credit and I would not receive a hard inquiry. I received a hard inquiry and my credit score decreased.
Product: Credit reporting or other personal consumer reports

In adherence to the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it is paramount to ensure that consumer reporting agencies fulfill their obligations with fairness, impartiality, and utmost respect for consumers ' privacy rights. Equifax and XXXX, being consumer reporting agencies, are obligated to adhere to these standards. As a consumer, I emphasize my right to safeguard my private information, as reinforced by 15 USC 6801, which underscores financial institutions ' duty to respect customer privacy. 

Under 15 USC 1681, section 604a ( 2 ), consumer reporting agencies are only permitted to furnish consumer reports with explicit, written consent from the concerned consumer. Neither the financial institution nor Equifax and XXXX have sought my consent to share this information, thus nullifying any implied or assumed consent. Additionally, 15 USC 6802 ( b ) ( c ) mandates that financial institutions inform consumers of their right to opt out of information disclosure to third parties, a requirement not fulfilled in this scenario. 

Moreover, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. The account name, XXXX, is being reported without my consent, constituting a violation of the law. 

Considering the aforementioned infringements, and in compliance with 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, Equifax and XXXX are obligated to maintain accurate information and implement reasonable procedures to prevent violations, duties they are currently neglecting. 

Therefore, in accordance with 12 CFR 1016.7 and my rights as a consumer, I hereby assert my right to opt out of your reporting services.
Product: Checking or savings account

They are telling me my id is not clear in the photos I sent them on the opening page of my savings account that I applied for yesterday they have not unfrozen my acts, yet which has less then XXXX cents in the act. Want in to my bmo bank at my area they could not help me much told me they will upload my id and social card internet bill also. Hope you can help me out with this issue. call they said on the toll-free number they did not get it yet and don't why. Plan on close my acts their go with a new chose. Told me they will waive the XXXX dollars close fee for me when it gets unfrozen state. Then can be close in told acts there. Bank needs help in my op.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. 

Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 

Please correct this account : XXXX XXXX XXXX XXXX : {$31000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a 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 pu
rpose
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not create or authorize these accounts and am unaware of their origins. In accordance with XXXX XXXX, I formally request their removal within XXXX days. Enclosed are supporting documents for your review.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX are violating my consumer rights by reporting incomplete, inaccurate, and authorized information. The Fair Credit Reporting Act clearly states that the credit reporting agencies have a duty of reporting information that is 100 % accurate or else they are civilly liable. I need all inaccurate, incomplete and unauthorized accounts removed immediately. Under penalty of perjury, I swear these accounts are false and misleading and are a result of the XXXX XXXX XXXX, the Transunion Data Breach, and XXXX Data Breach. Remove all accounts immediately! This is a Direct Violation of The FCRA by Reporting falsely
Product: Mortgage

I am in refinancing my 1st loan and 2nd mortgage company ( Ditech my loan # is XXXX ) is not cooperating. 
We have requested letter of subordination in month of XX/XX/2019 and they were not cooperating we waited for the month of XXXX with no results. So I paid off the loan on XX/XX/2019. I requested paid off letter from Ditech, they said me on XX/XX/XXXX I will have it in 7 to 10 business  days. I did not received a letter, so I called on end of the XXXX business days they said letter was not generated, it will generate in next 24 to 48 hours and we will email me one copy and hard copy will arrive in mail by XXXX But if they have not generated the letter how I am going to received it by XXXX XX/XX/2019? 
Because they are not cooperating I have to pay more interest ( {$1200.00} per month ) for two months and end is not in site. I have to pay another {$1200.00} in interest for next month. 
Please do some something and expedite the process. 
Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fail to report accuracy Fail to reinvestigate and dispute inaccurate information inclusion of obsolete of credit report
Product: Mortgage

I have a residential mortgage with OCWEN, and apparently the are skipping months of reporting my over 5 years of on time payments. This is the same mortgage company that were reporting my information religiously monthly when my payments were late over 6 years ago. I have contacted OCWEN prior about reporting my on time payment to the credit bureau. I believe this practice is unfair to consumers.
Product: Payday loan, title loan, or personal loan

I received multiples notices through mail and email in regards to pre approval for loan with Onemain financial. I opened the loan in XXXX of XXXX at the time of opening loan I was not employed. The interest of the loan makes it impossible to become current and pay in full. I called in XXXX of XXXX in attempt to resolve this debt. Creditor reduced my balance {$4000.00} in which Im still actively paying however onemain is reporting to the three major credit bureaus that the account is charged off wish is false. I have hired attorney and will be seeking dmages as this has affected me.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Global Lending, who appear on my credit file as Global Lendi numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX, XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud. 

Global lendi XXXX, SC, XXXX ( XXXX ) XXXX XXXX is the contact information I have listed for them
Product: Mortgage

I was checking my credit score after being rejected for a job due to the large drop in my credit score. My credit dropped 127 points and said I did not make a payment and it was over 30 days late. I've made all my payments on time and make sure they clear my bank. The show the amount of {$860.00}, but this is not my payment nor would it be if a " late '' penalty was added in. All my payment have cleared on average of 7 days after payment has been made. My normal mortgage payment is {$810.00} and due on the XXXX of each month. 
I tried to call the company, I was put on hold for over 2.5 hours ( I finally hung up ), I put in my loan info, the line rings busy, an automated recording comes on and then hangs up on you. I've sent an email to every email address on their website with no responses. There is no way to contact this company at this point. 
I've files an investigation with the credit bureau and it is in process at this time. 

This has hurt not only my credit, but my fiance as well. 

How is it a company can make such a gross error and we the consumer should just write it off as it has affected our lives. Companies need to be held on their errors and pay when this messes with peoples lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Collection of medical services I never received or agreed to or otherwise. I have called the agency reported on my credit file multiple times in good faith offering my telephone number and requesting they return my call in order to clear up the issue not a single call has ever been returned. 

Fileing disputes with the credit agencies has not gotten very far the collections have been removed from XXXX but not from XXXX.
Product: Credit card or prepaid card

AGAIN I RECEIVED A LETTER FROM DISCOVER STATING THAT I HAVE NOT FILLED OUT FORM 4506-C THE VERY FIRST TIME I WAS JUST ADVISED TO SIGN MY NAME. 

THEN RECEIVED A LETTER STATING I DIDN'T COMPLY WITH THE DEMANDS. FILLED OUT FORM 4506-C FOR THE SECOND TIME AND UPLOADED IT HERE AS WELL. IF I NEED TO FILL OUT YET ANOTHER 4506-C YOU HAVE TO SUBMIT IT AS I INFORMED YOU BEFORE. BECAUSE ONCE YOU FILL IT OUT AND SUBMIT YOU CAN NO LONGER ACCESS IT. 
SO FOR THE RECORD BOTH HAVE BEEN UPLOADED AS PROOF IN THE COMPLAINTS I HAVE HAD TO SUBMIT. AS I AM UPLOADING PROOF OF THE SECOND TIME I FILLED OUT AND SUBMITTED FORM 4506-C. AS WELL AS NOTARY PAGE OR WHATEVER ITS CALLED. AND AGAIN NO HONEST NOTARY IS WILLING TO NOTARIZE BANK STATEMENTS THAT ARE NOT PRINTED OUT IN FRONT OF THEM INSIDE THE FINANCIAL INSTITUTION THEY ARE FROM. BECAUSE THEY COULD BE HELD LIABLE, FINED AND MAYBE EVEN JAIL. 
FOR NOTARIZING DOCUMENTS THAT ARE NOT PRINTED OUT IN FRONT OF THEM INSIDE THE FINANCIAL INSTITUTION THEY ARE FROM. AGAIN IM ADVISING YOU ARE DEMANDING SOMETHING THAT IS IMPOSSIBLE AND COULD BE ILLEGAL BECAUSE XXXX THE BANK THAT I BANK WITH DOES NOT HAVE A BRANCH IN XXXXXXXX XXXX. AGAIN I HAVE ADVISED YOU OF THIS NUMEROUS TIMES. AND IF DISCOVER HAS A NOTARY THAT WILL NOTARIZE THE DOCUMENT 'S THAT YOU ARE DEMANDING, PLEASE HAVE THEM EMAIL ME SO WE CAN SET UP AN APPOINTMENT. 

IM ALSO UPLOADING STATEMENT. WHEN I GOT APPROVED FOR THE DISCOVER CREDIT CARD XXXX I WAS LIVING AT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 

SO NOW I HAVE UPLOADED THREE MONTHS OF BANK STATEMENTS AS YOU HAVE DEMANDED. NOTARY PAGE. 
AGAIN UPLOADING FORM 4506-C FROM XX/XX/2021 THE SECOND TIME THAT I WAS DEMANDED TO FILL OUT. BUT YET THAT FORM IS NEVER MENTIONED ..... EVEN THOUGH I HAVE SUBMITTED PROOF. 
I HAVE UPLOADED XXXX PROOF OF OWNERSHIP. XXXX DEBIT CARD XXXX BANK ACCOUNT. XXXX APP. DISCOVER CREDIT CARD THAT WAS ISSUED TO ME WHEN I LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID AGAIN. UTILITY BILLS BEARING MY NAME AND PRESENT ADDRESS THAT YOU HAVE ON FILE BECAUSE YOU HAVE USED THAT ADDRESS FOR CORRESPONDENCE. XXXX STATEMENTS BEARING ACCOUNT NUMBER.. PAYMENT TO DISCOVER. 

I HAVE COMPLIED WITH YOUR DEMANDS FROM DAY ONE, AS YOU SEEM TO MAKE STATEMENTS OF INACCURACIES STATING THAT I HAVE NOT. 

PLEASE GIVE ME YOUR FULL NAME ADDRESS AND YOUR POSITION WITH DISCOVER AND THE TIME THAT YOU HAVE BEEN WITH DISCOVER FOR MY PERSONAL RECORDS THANK YOU XXXX XXXX AGAIN IF I NEED TO FILL OUT FORM 4506-C FOR THE THIRD TIME YOU HAVE TO SUBMIT IT ... BECAUSE ONCE YOU FILL IT OUT AND SUBMIT IT, YOU CAN NO LONGER ACCESS IT. 

AS FAR AS I KNOW I HAVE SUBMITTED EVERYTHING THAT YOU HAVE DEMANDED AND SO MUCH MORE.
Product: Credit reporting or other personal consumer reports

My information, bank accounts emails, social security number was leaked back in XXXX during the data breach inaccurate information was placed on my credit. 

They verified that my file does not exist in their system and has continued to report to all of the credit bureaus this false information. 

I reached out to XXXX XXXX former manager and current manager. XXXX XXXX, XXXX, XXXX, and transunion to delete the incorrect information, and they have refused to cooperate. 

Also, after paying my full balance of my vehicle, My former car dealership ( XXXX XXXXXXXX XXXX ) was shut down and I never received the vehicle title. They also placed a lean on my title even when it shows a XXXX balance and has shown up on my credit. 

I again, called all three bureaus to correct the issue, after sending proof of XXXX balance to all the three credit bureaus. 

In all I have asked all incorrect information to be permanently deleted when they have not done due to the data breaching and my social security number being randomly ran without my consent or knowledge. 

I have sent in information documentation proving my innocence and they are still refusing to comply. I filed a police report as well and sent the report and cfpb report into all three bureaus. 

Please help, this has affected my lively hood completely.
Product: Mortgage

Mortgage Loan Number XXXX In 2003, my wife XXXX and I received a mortgage for {>= $1,000,000} at 6.5 % interest from Wells Fargo Home Mortgage Company. Wells Fargo Home Mortgage Company promised they would refinance our mortgage when the mortgage interest decreased by 2 % or more. Since inception of our loan, we were denied numerous times by Wells Fargo Home Mortgage Company to refinance our mortgage. They have used the following illegal tactics to avoid refinancing : 1. Refusal to accept written applications for mortgage refinance. Instead, will only accept verbal applications ( Inquiry ). Thereby, covering their trails of mortgage refinance denials. 
2. Listing refinance denials as application withdrawals to disguise mortgage refinance denials. 
3. Company management purposely put into place a plan to deny refinancing of jumbo mortgage loans, with the intent to exhort the excess mortgage payments to increase company profits, and executive bonuses. 
4. Company management purposely put into place a plan to cancel all jumbo mortgage loans held by racial minorities considering these loans as unacceptable risks ( Received this information from a confidential source within the company ). 
5. Company management purposely put into place a plan to deny refinance of all jumbo mortgage considered " Under Water '' ( Appraised Value considered less than the Mortgage amount owed ) We paid our mortgage loan on time ( never late ) every month for over a decade. But, could not get Wells Fargo Home Mortgage Company to refinance our loan until they had exhorted over a half million dollars from us. Then, they only agreed because we continued to write to their Board Of Directors complaining of their unfair and illegal practices. 

We are requesting Wells Fargo Home Mortgage Company be required to refund all of our excess mortgage payments with interest equivalent to the return of the XXXX during the same period.
Product: Credit reporting or other personal consumer reports

The following credit card account listed on my Innovis consumer report is a fraudulent account : XXXX XXXX XXXX, XX/XX/year>, Account : XXXX, XXXX : {$1000.00}. The credit card is a fraudulent and unauthorized account and dont belong to me.
Product: Credit card

The credit cards was NEVER RECEIVED I informed CONTINENTAL FINANCE..they were supposed to cancel the card.. but they reported a delinquent amount with the credit bureaus.