23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Today on XX/XX/XXXX, I contacted Transunion via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. Transunion is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : XXXX XXXX XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone number not available
Product: Mortgage

Purchased my home with XXXX who later reassigned to XXXX XXXX XXXX who then reassigned to various subsidiaries then reassigned to Caliber Home Loans. XXXX had me apply for a loan mods from XXXX to XXXX. Received a loan mod that reduced the interest rate but increase the monthly note. Caliber took over in XXXX XXXX, filed a notice of default and proceeded to foreclose. I 've tried to do a loan modification, Caliber Reps stated my package was incomplete and they are not corresponding with me timely to avoid and comply with the loan modification process. I am trying to save my home!
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised that on [ Dates listed below ], My consumer report was obtained without my authorization or permissible purpose under the FCRA. 15 U.S. Code 1681b. 


[ XX/XX/2021, XXXX XXXX  XXXX ] [ XX/XX/2021, XXXX ] [ XX/XX/2021, XXXX ] [ XX/XX/2021, XXXX ] Promptly delete the unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Name : XXXX XXXX Previous Address : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX Collection XXXX XXXX XXXX XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2100.00} Late Payment XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

Right to Privacy : As outlined under 15 USC 1681, Section 602 of the FCRA, I have a fundamental right to privacy. I believe this right has been infringed upon.

Furnishing of Information : According to 15 USC 1681, Section 604 A, Section 2, a consumer reporting agency is prohibited from furnishing information about my account without my explicit written instructions.

Late Payment on Credit Card Account : Under 15 USC 1666 B, creditors are not permitted to consider a payment on a credit card account under an open-end consumer credit plan as late for any reason. 

Given these apparent violations, I kindly request an investigation into the matter to ensure my rights are protected and any necessary remedial actions are taken.
Product: Credit reporting

ATTN : CFPB THIS IS NOT A DUPLICATE COMPLAINT, I AM SIMPLY RESPONDING BACK TO TRANSUNION IN REGARDS TO MY DISPUTES. PLEASE FORWARD THIS COMPLAINT TO THEM ON MY BEHALF. THANK YOU. 

I am very distressed that Transunion has included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 

AS YOU TRANSUNION ARE ALSO IN FACT NO DOUBT AWARE THAT YOU ARE KNOWLY IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT, BY CONTINUING TO REPORT THESE ALLEGED ACCOUNTS INFORMATION AS ACCURATE WHEN IN FACT THERE HAS BEEN NO PROVIDED PROOF THAT THEY ARE. THIS IS A CLEAR CASE OF INVALIDATE DEBT HERE AND I AM NOW DEMANDING THAT TRANSUNION PROVIDED ME WITH THE LEGAL COMPETENT EVIDENCE IN WHICH THESE ALLEGED CREDITOR 'S HAVE PROVIDED TO YOU ON MY BEHALF THAT WOULD SHOW THAT THESE ALLEGED INVALIDATE, INACCURATE, DISPUTED ACCOUNTS INFORMATION IS ACCURATE! AS I WOULD PERFER NOT TO LITIGATE I WILL FILE MY LAWSUIT AGAINST TRANSUNION FOR KNOWLY AND DIRECTLY VIOLATING THE LAWS. 

THE FOLLOWING INVALIDATE INFORMATION SHOULD NOT BE BEING ILLEGALLY DISPLAYED ON MY TRANSUNION CREDIT REPORT! I HAVE REQUEST THAT THESE ALLEGED CREDITOR 'S VALIDATE THESE ALLEGED ACCOUNTS INFORMATION WITH ME! AND THEY HAVE LEGALLY FAILED TO VALIDATE THESE ACCOUNTS INFORMATION WITH ME IN THE TIME FRAME ALLOWED TO THEM BY LAW! AS THEY ARE ALSO IN FACT NO DOUBT AWARE THAT THEY ARE ALSO IN DIRECT VIOLATION OF THE LAWS BY CONTINUING TO REPORT THESE ACCOUNTS AS ACCUARTE WHEN IN FACT THEY HAVE PROVIDED NO PROOF! 

THE FOLLOWING INVALIDATE ACCOUNTS SHOULD NO LONGER BE ASSOCIATED WITH MY TRANSUNION CREDIT REPORT : XXXX XXXX XXXX # XXXX XXXX # XXXX I HAVE DISPUTED THESE ALLEGED ACCOUNTS, WITH TRANSUNION AND YOU ARE VIOLATING THE LAWS BE CONTINUING TO REPORT THESE INVALIDATED ACCOUNTS ON MY PERSONAL CREDIT REPORT!
Product: Student loan

Navient quoted me a repayment rate of {$530.00} under the income-driven repayment plan. Once I applied, I got a bill for double the amount. I was forced to put the loans in forbearance again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies are closed accounts that are paid in full. On XXXX XXXX I disputed all companies that were over 7 years old and requested an investigation to explain how they were able to reset the clock on the statue of limitation. The following companies have violated the laws of FCRA and failed to delete/remove their accounts from my credit file. Please, investigate my complaint and have the negative accounts that are hurting my credit worthiness for approval of credit deleted/removed or I will seek for monetary compensation for damages done to my financial well being. 
1- XXXX XXXX XXXX {$500.00} 2XXXX Macys/citibank, XXXX {$600.00} 3- Macys/citibank, XXXX {$100.00} 4XXXX XXXX XXXX XXXX {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX account # XXXX, XXXX 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.
Product: Debt collection

XXXX XXXX a Florida lawyer and debt collector with XXXX XXXX XXXX  XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, Florida XXXX ( XXXX ) XXXX ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX and XXXX XXXX from First Federal Credit Control in XXXX, OH kept trying to collect {$3200.00} in medical debt that I did not owe and had been paid by my insurance company. I called and wrote them both and told them my insurance had paid but they put the onus on me to prove it and I finally did but had to call them numerous times and send them information. They tried to intimidate me into paying for debt I didn't owe and if weren't able to fight back, they would have ruined by credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX have incorrect information on my Credit Report that that needs to be deleted within 30 days, The Information belongs to someone else with a similar name i mailed them many time about this. The following info is the claim numbers that were givien to me when we filed the claim. They promised me it would be deleted in 30 days and gave me the following confirmation, they have not removed it within 30 days so thats what this complaint is for. 

DELETE THE FOLLOWING ACCOUNT, IT IS NOT MINE, IT BELONGS TO SOMEONE ELSE RASH CURTIS AND ASSOCIAT Last reported XX/XX/XXXX {$1900.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX ( Finance ) XX/XX/XXXX Credit file # XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Dispute reference # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : Creditor Name Account Number Balance Opening Date Status XXXX XXXX Experian XXXX 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 INQUIRIES NOT RECOGNIZED 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 Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX A. XXXX 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

XXXX, which did not protect my data, and has still not provided full details on what information was stolen and why my information was on a server that could be accessed sent a letter in XXXX that then " gave '' me Identity Protection and said it was available to sign-up but when I tried to sign up the system says that it has expired, even though it was within the 90 days of their XXXX letter. Note it has taken me some time to reach out to file this complaint due to other commitments. As in my previous complaints against this company they have refused to provide information on the details of the breach or to provide lifetime protection for their negligence. In addition they say they offered identity protection but in reality their " alleged '' offer is not true as I can not even login with the information that they have provided. At this time the company has released my information, unlawfully, even though I am not a client of theirs currently, I didn't choose to be a client of theirs and when I stopped being a client I requested that they remove my information from their systems. They say they offered a short-term time of credit monitoring yet when I tried to use it, it was not valid. I would hereby request that I be provided with lifetime credit monitoring since I could be subject to a lifetime of issues due to their negligence through no fault of my own. They have also lied to the CFPB about their offering credit protection services to me.
Product: Debt collection

I sent a verification and validation letter of debt to both ERC and  XXXX , letting them know that I knew nothing about the account on my report. They have refused to validate it with my last complaint. Then I take a look at the collections agency information, and it shows that they are not licensed to collect a debt in North Carolina. I notified the credit bureau and they send a letter asking for verification, when I have already verified my account with the appropriate social and ID. Which is the same one that I have used multiple times now they are saying, it does n't match my account. Just another  one of their stall tactics. The Collection account from " ENHANCED RECOVERY CORP '' needs to be removed and blocked from my credit report. Upon doing additional research it shows that this collection agency is not licensed and bonded to collect a debt in the state of North Carolina. This collection agency has n't been licensed since 2010. So m y question is, how is a collection agency that is not licensed allowed to collect a debt. Enhanced Recovery corp has violated my rights as a consumer, along with  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is aware of this fraudulent account. no actions have ever been made by this company on removing this debt in the amount of {$4600.00}. I have never used student loans or applied for any financial aid. This account was opened fraudulently.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) had recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed despite the evidence I provided, causing ongoing harm to my credit standing. Iam requesting immediate corrective actions to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 law incorrect information reporting on my credit report and its defamation of my character and making it hard for my credit score to improve.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance {$0.00} Open Date XXXX XXXX, XXXX XXXX XXXX {$13000.00} Open Date XX/XX/XXXX XXXX XXXX {$7900.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$880.00} Open Date XX/XX/XXXX XXXX CRED XXXX {$660.00} Open Date XXXX XXXX, XXXX XXXX XXXX {$220.00} Open Date XX/XX/XXXX inquiries XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX COAF Date XX/XX/XXXX XXXX CRE Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX CPS Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX  CA Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 with out my written instruction.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX CARD SERVICES XXXX
Product: Credit reporting or other personal consumer reports

Following 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.

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

15 U.S.C 1681 Section 604 A Section 2 : 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 or 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 ) ( a ) 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. 

Delete the accounts below : - Creditor name : XXXXXXXX XXXX XXXX Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXXXXXX XXXX XXXX Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX XXXX. Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX XXXX XXXX Date of the inquiry : XX/XX/XXXX. 
- Creditor name : XXXX XXXX. Date of the inquiry : XX/XX/XXXX.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE law to file this dispute. I also understand that knowing and willful MISSTATEMENTS or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C.

1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods services or money, and was successful in creating some accounts. All is being investigated by the FTC.
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 conviction 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, credit repair services, or other personal consumer reports

Filed a police 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 XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - 30 DAYS LATE ; XX/XX/XXXX - 30 DAYS LATE ; I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.