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

The complaint involves Equifax ; XXXX  and XXXX. The attached complaint outlines the particular instances wherein each reporting agency refuses to make corrections, damaging my creditability and interfering with trade.
Product: Bank account or service

I filed a dispute with my pnc bank after I was charged for a hotel room that i canceled. I received a e mail with a cancelation code also.what I now belive happened was I was online booking my room and put in all my info credit card number name everything and waited for it to process and give me my confirmation information/ number.and it took a minute or so and went back to the main screen that I started on with none of my info in it. So I put all my information in it again put in for the same style room and requested top / high floor again exactly as I did 2 minutes before .I summit 's it and got my confirmation info within seconds .I received a e mail also with my hotel info .it has stated I had XXXX room reserved on XXXX XXXX .on XXXX XXXX I went on hotel webite and canceled my reservation for my room.I received a e mail also stating that my room is cancelled and with a cancellation number.I ended up staying in another quality suites on XXXX XXXX that was near the XXXX I canceled.but did't make that reservation untill XXXX the night of the stay. On Sunday XXXX XXXX I seen on my virual wallet bank app that I was charged {$160.00} for the room I cancelled. I called the hotel directly at XXXX and told them the situation they told me I had XXXX rooms under my name that XXXX was cancelled and XXXX was a no show. XXXX of the exact same rooms booked XXXX minutes apart.i expained I did't book XXXX rooms only the XXXX and I canceled it 5 days before my arrival date. They told me to call the XXXX number and they Can help me I was on phone for over a hour and got transferred to XXXX different people the last person being some kind of supervisor she told me that there was nothing she could do because it showed in their system that I had XXXX rooms booked and only XXXX was cancelled. She told me the date and time I made the reservations and the time was literally XXXX minutes apart. I explained that their reservation page timed out or freezed up not sure what happened but didt process the first time I tried making the reservation but did not receive a confirmation number or anything just went back to the main screen .So I did it all over again and got my hotel summary for the XXXX room and had to idea that the first room was ever booked .I did't receive a e mail for XXXX rooms only the XXXX .anyway she said she couldt refund it .So I went to pnc bank the next day Monday XXXX XXXX and filled the dispute. I sent in all the documents and info I thought would help but 6 weeks later I got a letter stating that the bank was going to take {$160.00} out of my account the next day on XXXX XXXX. It was send out the XXXX of XXXX but by the time I received it in the mail it was already the XXXX so I had a 7 hour warning of them pulling the funds out. As of now the funds are back out of my account. The dispute division said that they consider this case closed.
Product: Mortgage

I began my refinance process in late XX/XX/2021. The actual process doesnt count until XX/XX/XXXX when I was cleared to proceed with the process and my rate was locked in. Ive responded to every email and submitted every deliverable in 48 hours or less. I had no real issues or delinquency of note. Today, XX/XX/2021 after 5 months of waiting I was scheduled to close. I had spoken with the Rep. and had emails confining the date and time. No one showed or called. They said that the date given was just an estimate. Ive been waiting and counting for this money and I dont know when Ill get it. Ive complained to Wells Fargo several times via email and telephone. Ive had my complaint escalated but no real resolution. They said it is because of the many people who are purchasing homes right now I dont think so. Im frustrated and Im angry. Ive been given the runaround by WF for too long. 120 days to complete a refinance. The process should only take 45 - 60 days. Im still waiting to close.
Product: Debt collection

XXXX/ATLS/FORTIVA XXXX has been reporting false and inaccurate information to the credit bureaus in regards to a debt. I have questioned multiple times to have the information corrected on multiple occasions to the point where I just decided to pay the debt. This is a 2 company effort between XXXX XXXX XXXX and Fortiva XXXX. Fortiva XXXX is still recording this on my credit report even though it has already been paid to XXXX XXXX XXXX on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

am a victim of identity theft, and despite XXXX disputes and counting, TransUnion has failed to remove fraudulent accounts from my credit report and has reinserted previously deleted fraudulent accounts without providing the legally required notice. I have attached my several FTC reports, Dispute Updates from XXXX AND XXXX, Utility Bill, Drivers License, Social Security Card several times and TRANSUNION continues to send me notices stating my documents are not acceptable. They are attached again to this CFPB Report I have submitted an FTC Identity Theft Report and supporting documentation, yet TransUnion has refused to comply with the Fair Credit Reporting Act ( FCRA ) and continues to report the following fraudulent accounts XXXX XXXX XXXX XXXX ( Account XXXX, {$4500.00} ), XXXX XXXX XXXX XXXX  ( Account XXXX ), FCRA 605B Failure to Block Fraudulent Accounts : TransUnion failed to block fraudulent accounts within four ( 4 ) business days after receiving my FTC Identity Theft Report and supporting documents. FCRA 611 ( a ) ( 5 ) ( B ) Unlawful Reinsertion of Deleted Items Without Notice : TransUnion reinserted the following fraudulent accounts without providing the required notice within five ( 5 ) business days : XXXX XXXX XXXX XXXX ( Account XXXX ) XXXX XXXX XXXX XXXX ( Account XXXX, {$4500.00} ), FCRA 612 ( a ) ( 1 ) ( A ) Denial of Access to Credit Reports & Online Disputes : TransUnion restricted my ability to dispute online and denied me access to my free weekly credit reports, violating the CARES Act and FCRA 612 ( a ) ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX -XXXX XXXX XXXX it was reported through cfpb, it was taken off on credit report, not the others, I was n't my debt in the beginning I ask for the original bill they only sent a piece of the bill, the address and everything was incorrect, I ask to pay a percentage to take off even though it was n't mine, they refuse I ask that it be investigated and delete to all reporting bearu
Product: Checking or savings account

I open I new account with regions bank with a bonus promotion. All the requirements have been met and still no bonus
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Again with a complaint against EXPERIAN, XXXX AND XXXX in regards to multiple account that are listed on my credit report under my name that are in fact erroneous. 
I will file suit against XXXX and all CRAs listing erroneous accounts under my name and social security number. 
XXXX, XXXX AND EXPERIAN are all cohorts in knowingly publishing fraudulent account under Americans names without verification and authorization and my name just so happens to be on that list. 
This is the 100th time I have made specific demands against this felonious organization to remove such information from my XXXX  credit report to no avail. 
Again, this is a DEMAND to remove the following listed items without prejudice : XXXX XXXX XXXX XXXX -BAL : {$7000.00} XXXX XXXXBAL : {$4300.00} XXXX XXXX XXXX-BAL : {$6400.00} | {$4800.00} | {$1100.00} As can be seen on my report, I have ZERO collections and per my history, all of my finances are paid on time. 
This CRA is an active participant in the destruction of the American Consumers credit rating and history. They are knowingly reporting information that is non-factual just because they can and will. 

I have opened a case with the Federal Trade Commission detailing such activity and have attached the report. This will also be sent to the respective Attorney general TO investigate this CRA! 

The following INQUIRIES will also be removed from my report, IMMEDIATELY without prejudice! 

XXXX. XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX   XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX DBA XXXX   XXXX  XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX, I-XX/XX/XXXX XXXX XXXX XXXX XXXX, 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, XXXX *********THE FOLLOWING RESIDENTIAL ADDRESSES WILL ALSO BE REMOVED FROM MY REPORT : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX CT, XXXX XXXX XXXX CT -- Thank you, XXXX XXXX XXXX
Product: Debt collection

A company FBCS called from a XXXX number to my relative/mom. I have no idea who or what company this is besides someone is attempting to collect a debt on my name. She wants the calls to stop! I dont know how they have gotten her number.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX re-reported an account on my XXXX credit file, which had previously been removed following a dispute. This account, originally opened on XX/XX/XXXX, has a balance of {$220.00}. It was reinserted into my credit report without proper notice or verification, a process that is legally required under Fair Credit Reporting Act ( FCRA ) Section 1681i ( a ) ( 5 ) ( B ). This lack of notification has deprived me of my right to timely dispute the account 's accuracy. 

Additionally, it appears that this collection was transferred or sold to another entity without my authorization. I did not consent to this sale, and the handling of my data raises potential identity theft concerns, as I am unaware of any debt that would legitimately warrant this collection. This may further violate 15 U.S.C. 1681b ( FCRA ), which mandates permissible purposes for data sharing, and could indicate knowing noncompliance under 15 U.S.C. 1681n, which entitles consumers to damages if rights are willfully violated. 

Actions Requested I am seeking the immediate and permanent deletion of this account from my credit report to prevent further harm to my credit profile. The unauthorized re-insertion of this collection and lack of permissible purpose to re-sell or transfer my account requires rectification. I am prepared to escalate this matter, if necessary, as this continued activity appears to disregard established consumer protections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I have submitted several disputes regarding the below inquires. I have reported to Equifax, XXXX and XXXX that I have no knowledge of these inquires and need them removed ASAP but this hasn't been done. I have also mailed several letters and have reported to the Oklahoma Attorney General office that these need removed. I have no idea why these hard inquires on my credit report! I need these removed ASAP per the law. 

Equifax XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XX/XX/XXXX I reviewed my credit reports and found that there was an account reporting inaccurate information in my credit files. This account is reporting as a charged off account with a balance of {$500.00} reporting under the account number XXXX. On XX/XX/XXXX I wrote my first letter and mailed it certified delivery to XXXX XXXX and requested full validation  pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry. 
I received no response so I wrote a second letter to XXXX XXXX and mailed it by certified delivery on XX/XX/XXXX ( see attached supporting documents ). 
It is now ( 8 ) months since my initial letter requesting validation and since it is over the 30 day time frame since the mailing of my request to XXXX XXXX this company is in violation, they are out of compliance. 
Under advise, I wish to informed XXXX XXXX that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX *** ** XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed six number of inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX - XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
2. XXXX  XXXX. Date of inquiry, XX/XX/XXXX. 
3. XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX  XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX. Date of inquiry, XXXX XXXX. 
XXXX. XXXX XXXX XXXX. Date of inquiry, XXXX XXXX. 

I Kindly ask that you please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : XXXX The name and job title of the individual who pulled my credit XXXX The date they claim to have received my permission to pull my credit XXXX The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a business account with American Express the account is only under my business and at no point did I file a personal guarantee. For the duration of the account it never appeared on my personal file at any time. I started having financial difficulties with the business and the credit card payments are now showing delinquent. Now they want to report a business account on my personal yet they NEVER REPORTED THE POSITIVE history at any point. I disputed with the bureaus to no avail, I also sent certified letters demanding they forward me the copy of the personal guarantee that would allow them to report on my personal file and they have not responded to either request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND XXXX HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, passport, driver 's license, and birth certificate. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WIPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENT REMARKS LEFT ON THE CREDIT REPORT. 

IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN. 




POTENTIAL LAWSUITS LIST : XXXX, XXXX, and TRANSUNION TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 


ACCOUNT NAME - XXXX XXXX XXXX  - ACCOUNT NUMBER - XXXX - TRANSUNION/XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER - XXXX - TRANSUNIONXXXX ACCOUNT NAME - XXXX XXXX  - ACCOUNT NUMBER - XXXX - XXXX ACCOUNT NAME - XXXX XXXX - ACCOUNT NUMBER - XXXX - TRANSUNION/XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER - XXXX - TRANSUNION/XXXX ACCOUNT NAME - XXXXXXXX XXXX XXXX XXXX ACCOUNT XXXX - XXXX - TRANSUNIONXXXX ACCOUNT NAME - XXXX XXXX XXXX - ACCOUNT NUMBER - XXXX XXXX TRANSUNION/XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX TRANSUNION/XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - ACCOUNT NUMBER - XXXX - TRANSUNIONXXXX INACCURATE INQUIRES THAT NEED TO BE REMOVED! 

Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX I changed jobs and we got a little behind paying our mortgage with Wells Fargo. We saw an advertisement in our mortgage statement that we could call in to Wells Fargo and qualify for a reduced payment plan that would extend our payments out further but with lower monthly costs. I spoke to XXXX XXXX on the XXXX and she encouraged us to stop paying our mortgage and provide our pay stubs and monthly bills listed to figure out our best restructuring of the lower monthly payment. We spoke back and forth during a six month period during which we asked if we should be paying something on our mortgage and she advised us not to pay because it would alter our payment calculations. After six months were up we were served with foreclosure notice. We worked extremely hard to catch up our payments and save our home. I called XXXX XXXX back and she informed me that we were not in the home for a full year when asking for this program, that we did n't qualify in the first place. As the result of historic flooding during XXXX XXXX XXXX, we lost all correspondence and proof of the events that took place. I called Wells Fargo in the last six months and they informed me that XXXX XXXX no longer worked for them and there were no documents to support my claim.Every call was advised to myself that we were being recorded and were we alright with this, now they claim they have no recordings.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about as incorrect. The credit records I am complaining is not agreeable to me because as a matter of fact the items on the report are unknown to me and I want all of it to remove on my file because of its inaccurateness. Please remove the following items as they were fraudulent : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance : {$4900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I pulled my credit report and found all these medical bills that were supposed to be paid by my Florida Medicaid. I should not be balanced billed. This is illegal to balance bill me. 

XX/XX/XXXX {$1000.00} XX/XX/XXXX {$720.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$930.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

I reviewed my credit report a few months ago and I noticed that there were two accounts there that didn't belong to me. I have never given anyone my information to use nor have I ever had any dealings with these companies. 

Here are the accounts : XXXX Acct # XXXX Opened XX/XX/XXXX With a balance of {$5300.00} XXXX Mobility Acct # : XXXX Opened XX/XX/XXXX With a balance of {$1300.00}