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

CREDIT BUREAU : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. DO NOT INFORM THE CONSUMER TO CALL IN AND DISPUTE BECAUSE EXPERIAN DOES NOT ANSWER THE PHONE AND THERE HAS BEEN AN EXTENSIVE AMOUNT OF EVIDENCE TO SUPPORT CONSUMER 'S CLAIM. YOU HAVE ALL THE ACCOUNTS AND ALL DOCUMENTATION TO PROVE CONSUMER RIGHTS AND IDENTITY HAS BEEN VIOLATED. CONSUMER HAS MAILED NUMEROUS AMOUNTS OF DOCUMENTATION TO PROVE THAT ALL ACCOUNTS ARE FRAUDULENT, AND EXPERIAN WILL NOT ABIDE BY THE LAW AND REMOVE FRAUDULENT ACCOUNTS. EXPERIAN HAS IGNORE A XXXX C ( CANCELLATION OF DEBT ) STRAIGHT FROM THE COMPANY ITSELF AND THEY REFUSE TO REMOVE THIS ACCOUNT. IT IS FRAUDULENT. EXPERIAN IGNORES FTC REPORT WHICH IS A VIOLATION OF CONSUMER RIGHTS AS TO NO ACCOUNTS SHALL BE ON A CONSUMER REPORT AND A CONSUMER SHALL HAVE THE RIGHT TO PRIVACY. EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. DO NOT " VERIFY '' FRAUDULENT ACCOUNTS THAT DO NOT BEAR WET INK SIGNATURE THE " XXXX XXXX XXXX'. XXXX AND XXXX XXXX HAVE BOTH REMOVE FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. EXPERIAN HAS MADE SEVERAL VIOLATIONS AGAINST THE CONSUMER. FTC XXXX REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS XXXX DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. POLICE REPORT HAS BEEN MAILED CERTIFIED MAIL STATING FRAUDULENT ACCOUNTS ARE NOT CONSUMERS. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX entered into a registration rights agreement with Experian XXXX XXXX XXXX XXXX Experian is a member of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, which in turn is a stockholder of XXXX XXXX XXXX XXXX the XXXX XXXXXXXX XXXX that owns the shares of. I WILL BE FILING FORM XXXX XXXX  XXXX FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX my Transunion credit score dropped XXXX points from XXXX to XXXX. I am a credit customer of Transunion and i immediately checked my credit report. I found nothing derogatory. I called Transunion and spoke with several people they looked at my credit report and no one could provide any kind of answer. I wrote letters to my servicing office and the Transunion corporate office. I received no direct responses other than sending me a copy of my credit report. which i obviously already had. 

what am i to do next? 

thanks XXXX
Product: Debt collection

I am disputing this automobile collection account as it does not belong to me. The account for XXXX XXXX with account number first XXXX digits XXXX is fraudulent and not my responsibility. I have never purchased this vehicle, never applied for financing for this vehicle, and have no connection to this debt. I request a full investigation and complete removal of this account from my credit report. I've informed XXXX, XXXX and XXXX multiple times And attempted to delete this information. Please investigate and remove this fraudulent account from my credit report immediately
Product: Debt collection

Mrs BPO keeps attempting to collect a debt I dont owe with incorrect dates and was once removed and is now back on my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Accouunt Number- To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly balances due of {$4300.00} and {$790.00} on the XXXX partial account numbers XXXX. ( Please see pages 3, 4, 5 and 6 of  the attached credit report. ) These accounts have been paid. Attached are the letters dated XX/XX/2019 from XXXX XXXX for Account Numbers ending in XXXX and XXXX stating the settlement arrangement has resolved the outstanding balances on these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the bureaus on several occasions to see the status of the inaccurate information on my report. I have noticed several items that are unknown and clearly do not belong to me. This is clearly not right by continuously reporting inaccurate information and I also have not been informed of any type of status with the investigation.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts/account numbers have violated my rights : 1XXXX XXXX XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX XXXX Account # : XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # : XXXX 4. XXXX XXXX XXXXXXXX Account # : XXXX 5. XXXX XXXX Account # : XXXX 6. XXXX XXXX XXXXXXXX Account # : XXXX 7. XXXX. XXXXXXXX XXXX XXXX Account # : XXXX 8. XXXX XXXX XXXX Account # : XXXX 9. US DEPARTMENT OF EDU Account # : XXXX 10. US DEPARTMENT OF EDU Account # : XXXX 11. XXXX XXXX Account # : XXXX 12. XXXX XXXX XXXX  Account # : XXXX 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
Product: Credit card or prepaid card

On XX/XX/2020, I was contacted by Bank of America to inform me that suspicious activity was detected on my account. When I checked my account, I found that someone has managed to hack into my account and take out {$14000.00} from my debit card and transferred it to another credit card. I informed BoA right away of the unauthorized transaction and asked them to stop the transaction. They said they are unable to stop the transaction but will investigate and refund the money to money soon. I also found out that my other accounts were compromised as well, such as XXXX and XXXX, and had to change passwords for everything. I contacted all the websites which my accounts were compromised, cancelled all purchases made without my permission, and asked for my money back. I eventually got my refunds, but none of them wanted to contact the authority for an investigation. Bank of America, however, refuses to refund my my money despite what they promised when I called them. They have denied my claim twice and never bothered to inform me by mail or email. They have contact information all correct and I verified this with the associates I spoke to. I had to keep calling the bank to ask about the status of my claim. This is blatantly illegal, since by laws, they were supposed to refund me my money within 10 days and inform me of their decision by mail or email. I spoke to the bank again the day before XXXX and was told that the bank can only reopen my claim 3 times before they abandon the case. I am furious with this incompetence and currently looking for a lawyer who specializes in cases like this. I reported all of this to the police, but they have yet to give me a response. This is infuriating and it shows the bank and the police do not care to investigate my case. Worst is how the bank handled this because they simply let someone else take away my money and not even bother to stop or investigate who did it. I couldn't even talk to someone in the investigation team. The ones I spoke to only reopen my claim or tell me the status, and that's it. They know nothing and can do nothing. I am at a loss and don't know what to do besides waiting for the deadline in XXXX before calling a lawyer.
Product: Credit card

BASICS : Was expecting interest rate/charges to go up after 9-month intro rate, BUT BY MY BALANCE OF XXXX -- NOT what Ally charged, over {$1000.00} more -- {$5400.00}. WHERE DID THIS EXTRA {$1000.00} come from??? Over a month and they supply no answer -- just I AM STILL expected to pay, as attached computer-generated generic response letter states ; says I don't have to pay 'disputed amount ' BUT WHAT IS DISPUTED AMOUNT?? EXCEPT THE XXXX XXXX, where it came from, but how is it derived, etc .... I have three of those generic letters, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. SAME THING, as I keep sending same docs ASKING FOR ANSWER and adjustment/compensation to my account so I can be done with them, pay them off totally, because as I see it, they are actually stealing monies, in the form of interest/revenue derived FROM OVERCHARGED/INFLATED BALANCES ON ACCOUNT HOLDERS, AND, of course, not letting their account holders know UNLESS caught, as I have done here, I believe.

Attached phone record shows I called four times that night, spending a total of almost 3/4 hour talking, explaining, being put on hold -- actual explanation letter also attached I SENT TO ALLY WITH NO RESPONSE with Rep 's names -- THEY UNDERSTOOD and AGREED, but couldn't offer explanation so both reps set up, supposed, QUICK response, case #, etc., etc. NOTHING. BUT SUMMARILY EXPLAINED ....

As I said in letter to ALLY, they can be making thousands of dollars off interest from overcharging interest to their CC holders -- EVEN if they have to pay it back, but interim they're receiving moneys ILLEGALLY charged to those that don't check their balances, interest charges, etc. AS I DID, and they'll keep it...

Attached, below, are statement what SHOULD BE ; statement showing charges BASED ON EXTRA {$1000.00} ; phone record ; letter sent to their website two ( 2 ) times ; another FULL statement EASILY showing the {$130.00} INTEREST -- WHICH ARE BASED FROM THE XXXX BALANCE ... NOT what is actually listed -- XXXX... 

On reviewing these few documents, you'll see exactly what I'm referring to.

I thank you, in advance, for following through and letting others know what Ally has done to me, and I have no doubt, others, and will continue to do until checked into. I look forward to an official response on where this extra {$1000.00} came from that they're charging me interest for, and adjustments on my account.

Thank you..
Product: Mortgage

This complaint is for DITECH Financial LLC and XXXX XXXX - both equally responsible. 
Ditech was my servicer - they filed Bankrpt and mortgage assigned to XXXX XXXX XXXX ( XXXX ). Rec 'd letter XX/XX/XXXX from XXXX XXXX explaining all. With Ditech, I was on auto-pay ( $ XXXX/mth withdrawn on XXXX of month. ) I contacted Ditech - website shows auto-pay terminated XX/XX/XXXX - and I did internet chat with CS person who confirmed I. 

Letter from XXXX XXXX states " During a transfer of servicing, the bll pay service infor. w/your bank must be changed so that XXXX will receive your monthly payment. This change can only be made by you. The bill pay serv.WILL NOT make the adjustment if requested by us and they will not forward the payments '' There were 2 blank auto-pay forms included - I still have both - never auth. by mail. 

On XX/XX/XXXX get an email that they are ready to handle my account, can sign up for online serv. etc. At NO time did I sign any forms elect. or paper or any bank infrom. 

I did internet chat with CS person an they stated also that no auto-pay could be done w/out signature/bank inform. 

I sent in check for XX/XX/XXXX ( {$750.00} ) they received it on XXXX I then noticed that there was ANOTHER {$750.00} removed on XX/XX/XXXX - AUTO-PAY from LoanCare. I couldn't get into my account - nothing was set up at that time, so no access. It wasn't until I found these 2 payments XX/XX/XXXX? that I went into online and set up acct - to access my loan info - again I GAVE No permission or bank inform. 

I tried calling/emailing them - no response. I checked site and tried to cancel the auto pay but it wasn't completely set up so wouldn't let me. It said next pay due XX/XX/XXXX - showed I paid for XXXX and XXXX in XXXX so I let it go thinking issue is over. 

Today I was informed by bank that I am OD AGAIN - XXXX took out a 3rd payment XXXX claiming it's now for XXXX and I will owe again XXXX. 

I am now overdrawn a 2nd time, owe almost {$300.00} in OD fees to bank for the two episodes, my XXXX credit score is going to be trashed when they report this, I have to put all my regular bills on hold and pay them late - which costs late fees and potential rate hikes or put on high interest CCs to avoid late pays. I don't have savings or " extra cash '' laying around to cover this BS. 

What recourse do I have - I can't be the only one they have done this to - who else can I report it to? 

I have tried again to cancel the auto-pay, am betting it doesn't work and am betting they don't fix the account to show I've made 3 pay - which would mean no collecting until XXXX - and I'd bet the property it's going to take an act of XXXX to get the 3rd pay refunded and get payment for all the OD charges, late fees and interest that ' going to come out of this mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not able to modify my previously complaint so In order to submit new documentation received in the mail, I had to resubmit a whole new complaint. I've been trying to get Discover Financial Services to remove their account off my credit report and have disputed with XXXX  several times since XXXX of this year ( 2019 ), but I may need to dispute with Discover directly. Discover sold my account to a collections agency ( XXXX XXXX ) and the collections agency had taken me to court in which I won the case. Since I won the case, this credit card/Collections agency should be removed off my account. It is still reporting as late payments which is having a tremendous effect on my score. Of course, XXXX XXXX submitted the wrong index number on all their documents to mislead me, but upon filing my information with the court they were able to locate the case and I was mailed proof of dismissal of the case. I've sent this documentation to XXXX   weeks ago and it's still on my report. XXXX and XXXX were kind enough to send me a letter of dismissal as well, but NO ONE wants to remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

-- PERSONAL ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unreconized credit inquires i did not allow are the following XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, XXXX XX/XX/XXXX
Product: Debt collection

this account was disputed with XXXX and was removed from credit report. few months went by and XXXX as sold the account to a collection agency who as reported that I owe them money when I've never been in business with said company which is CREDIT MANAGEMENT LP
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that I had several different late payments on each of my credit accounts that i was never late for. Also the Account shows different balances. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of there abilities with maxium accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on date of XX/XX/24. Please investigate and provide proof with statements showing that these payment were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attahed.
Product: Debt collection

To who it my concern i XXXX XXXX already have three complaints in with the cfpb on XXXX call to update i did that first letter on XXXX another letter XXXX contract us need more information i did that on on XXXX XXXX another came said complaint been sent on XXXX XXXX another letter company has responded still working on it got another letter on XXXX XXXX review the companys response to my complaints call the cfpb on XXXX called transunion closed two open ageny couldn't tell or explain to the responded on XXXX i talk to XXXX at XXXX  regional office she said this should've been closed XXXX  sold it to lockheart morris and Montgomery i cal led they the reception is told her what was happening she disrespect me lockheart morris been calling every XXXX said they going take me and me today at XXXX XXXX XXXX  i senting all my documents to cfpb
Product: Credit reporting or other personal consumer reports

All of my Hard Inquiries on my TransUnion report. All these hard inquiries need to be removed immediately because its identity theft. I did not give any one or these institutions permission to check my credit report 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Amex offered me a Blue card after XXXX replaced Amex with VISA.  I said yes.  Amex sent me 3 different credit cards (from XXXX XXXX, FL I think) that had fraudulent charges in XXXX  Florida for video games and kids stuff.  I am XXXX years old.  I live in XXXX, FL.  Finally, I told Amex to just cancel all my cards with them.  The hold times and transfers between departments and an inability to follow through on the part of Amex has led to many wasted hours on the telephone over this past year.  Finally, Amex did agree that the charges were fraudulent.  It took Amex many months to correct my bill.  By the time they cleared my account with the fraud department the account had accumulated late fees and interest charges.  I believe the original fraud event was XX/XX/2018 for $XXXX.  So while this has been cleared I cannot get anyone at Amex to understand that the remaining bill is interest and late fees.... on charges that were never mine to begin with.  Please help.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL OF THE FOLLOWING FRADULENT INQUIRIES : XXXXXXXX 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 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 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 XXXXXX/XX/XXXX I HAVE FILED A REPORT FOR FRADULENT ACTIVITY