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

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account Number : XXXX has violated my rights DEPT   OF ED/XXXX  Account Number : XXXX has violated my rights DEPT OF ED/XXXX  Account Number : XXXX has violated my rights DEPT OF ED/XXXX  Account Number : XXXX has violated my rights DEPT OF ED/XXXX  Account Number : XXXX has violated my rights DEPT OF ED/XXXX  Account Number : XXXX has violated my rights 15 U.S.C 1681 Section 602A I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions
Product: Debt collection

XXXX Mortgage XXXX XXXX XXXX Mortgage XXXX ( " XXXX '' ) by and through Duane Morris LP ( " Attorneys DM '' ) and the latter 's employee XXXX XXXX ( " Attorney XXXX '' ) caused a false response to be forwarded to the Consumer Financial Protection Bureau ( " CFPB '' ) by use of wires in violation of 18 U.S.C. section 1343 that is enclosed hereto as Exhibit A, by falsely stating that I defaulted upon the subject mortgage loan as of XX/XX/XXXX, contradicts the XX/XX/XXXX date of default declared under penalty of perjury by XXXX 's predecessor XXXX XXXX XXXX XXXX ( " XXXX '' ) to the Superior Court of New Jersey by foreclosure debt collection complaint filed XX/XX/XXXX under Docket No. : XXXX, a true and correct copy of which is enclosed hereto as Exhibit B. 

Within the XX/XX/XXXX response to the CFPB enclosed hereto as Exhibit A, XXXX by and through Attorneys DM and Attorney XXXX are concealing approximately {$21000.00} in monthly payments that I made towards the subject account from XX/XX/XXXX through XX/XX/XXXX, of which approximately {$16000.00} was cashed by XXXX 's predecessor and / or affiliate XXXX XXXX XXXX XXXX ( " XXXX '' ) and never credited towards the subject account. I hereby ( submit ) again to the CFPB as Exhibit C checks totaling {$15000.00} that I made, XXXX  predecessor XXXX cashed and failed to credit my account for the monthly payments of principal, interest, taxes and insurance declared due towards the subject mortgage loan for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I further submit ( again ) to the CFPB as Exhibit D checks totaling {$5100.00} that I made, XXXX  predecessor XXXX received and rejected without good cause for the monthly payments of principal, interest, taxes and insurance declared due towards the subject mortgage loan for XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

I further object to and reject the false statement made within the response electronically submitted to the CFPB by XXXX through Attorneys DM and Attorney XXXX, that XXXX has provided me with all the information that I have been requesting since XXXX of XXXX to present date by way of debt validation letters, qualified written request, and presentation of transferable record pursuant to applicable federal laws, for which they have responded with : ( 1 ) incomplete responses ; ( 2 ) no responses at all ; and / or ( 3 ) contradictory and / or forged evidence. 

Essentially, XXXX as the successor of XXXX has stolen at least {$15000.00} from upon taking and cashing the payments that I made to XXXX Loan for the months of XX/XX/XXXX through XX/XX/XXXX without crediting the subject account. Attorneys DM and Attorney XXXX are, essentially, aiding and abetting said theft of my monies and attempted theft of my property by XXXX as the success of XXXX upon falsely stating to the CFPB on XX/XX/XXXX that I defaulted as of XX/XX/XXXX XXXX See Exhibit A ) when the evidence that I have enclosed hereto as Exhibit B ; Exhibit C ; and Exhibit D demonstrates otherwise.
Product: Money transfer, virtual currency, or money service

My account got blocked. I've filed a dispute against a Merchant for {$1000.00} I had some money still in my account which I was told will be refunded. Other then the money which was in my account, I've won the dispute whose money was not added at the time of closure. Now, I think that to hold that money, bank has deactivated my account. I'm ready to provide any necessary document to verify my account or my actions but they are not allowing me to do so. I've proof of the dispute that merchant has accepted it and the money was refunded from their side. I've paid for account opening fee as well. But still if I've gone against the policies you can close my account but refund me any amount which was in my account + {$1000.00} which is refunded by the merchant.
Product: Credit card

I requested a custom video using an item that purchased for the content creator. The video was to be 5 minutes long. The creator said the item would cost {$50.00}, and the video for 5 minutes {$150.00}. I sent the payment in the form of a tip after confirming the above. A couple weeks later, creator posts the video, but is only less than 15 seconds. I asked about our agreement and creator said she needed more money before another longer video could be made. I mentioned this violated our agreement, but she continued to ask for more money. I have attached screenshots of our conversation with the payment amounts and the agreed upon details.

I attempted to chargeback with my credit card company. They opened an investigation, but ultmately denied my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX  # XXXX, and XXXX XXXX XXXX XXXXXXXX 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.
Product: Debt collection

Do not owe this money for phone bill. They do not have a contract with my signature. Unable to validate the debt or verify that it is mine.
Product: Debt collection

I never received a statement from original creditor and I believe that this is not accurate, I send them different letter and they never reply, I hope this is not a fraud, it ' s affecting my credit score, I also contacted the XXXX credit bureau, XXXX and XXXX deleted only XXXX keep reporting with what kind of proof??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  OH XXXX SS XXXX DOB XXXX I need the following addresses removed deleted from my report. I have been compromised on my ID and personal information. I have to file a police report and FTC report. Please remove delete : XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX
Product: Mortgage

NewRez bought my mortgage company XXXX home loans in XXXX. Since then I've had nothing but issues with my mortgage payments. It started with NewRez saying that I didn't pay my taxes, so they claim they paid them for me. I contacted them about it and I was told to contact XXXX. When I call XXXX, NewRez now answers the phone because they bought the company. They say they have no information on it, but yet they've continued to charge me for it. This isn't the only issue. The bigger issue is that I've now contacted them twice about my force placed insurance and they tell me they'll remove it and update the account with a refund but NEVER follow through. 

On XXXX XXXX XXXX XXXX XXXX I contacted the insurance services with NewRez, the call lasted 44 minutes 10 seconds. The lady at the insurance dept. with NewRez called my insurance company XXXX XXXX with me on a three way call. XXXX XXXX sent an email to the lady in the NewRez insurance dept. with all the documentation and proof that I had NEVER had a lapse in insurance. The lady with NewRez assured me that the account would be updated and I would receive a refund to the account within 14 days. That hasn't happened and its been 38 days now. They've also charged me AGAIN for this month another {$390.00} which is WRONG! 
NewRez has charged me XXXX XXXX XXXX  in fraudulent force placed insurance which I NEVER should've had to start with. 
I pay {$180.00} a month for home owners insurance through XXXX XXXX every month and NewRez charges me various amounts each month as well. My payment has went up over {$500.00} a month in the past few months and I can't afford to keep paying these fraudulent fees each month. 
I need help with this URGENT matter ASAP.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of my personal information was inaccurate The only address that should be reporting on my file is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. I also found inquiries that I don't recall giving permission. The following needs to be investigated and corrected for erroneous reporting in my file : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

FTC REPORT # : XXXX I demand to know who verified these accounts, and the method of verification. Please also be advised that a verbal confirmation from XXXXXXXX XXXX does not suffice as proof of validation. If this matter is not resolved within the next fifteen ( XXXX ) business days, I will take further steps to preserve my rights. 

I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. Again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ).

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Product: Vehicle loan or lease

My car was totaled on XX/XX/XXXX. My insurance carrier paid off the loan total on XX/XX/29 including an overpayment that toyota had requested them without my knowledge. I was able to retrieve my overpayment from them on XX/XX/XXXX. 
My car had an extended warranty and Gap coverage. The company has acknowledged they owe me a refund for both amounts since the loan term was not fulfilled for all 60 months. I have called the company multiple times asking for my refund. I have talked to agents XXXX XXXX in customer service, XXXX XXXX in the resolutions teams department, XXXX in the XXXX department, in addition to XXXX XXXX, XXXX and XXXX. Not 1 agent is willing to help me get my refund back stating to me I have to wait to get my money when tpyota decides they have closed out your loan giving me rangesxfrim 60-90 days.

If I was 30,60, 90 days past due on my car payment, toyota would flip out, repossess the car and take me to collections. I should not have to wait to get my money when they know for a fact the refund amount. They refuse to send me my money even under threat of a complaint to the CFPB, the XXXX XXXX XXXX and small claims court lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on some accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX  XXXX XXXX Balance : {$4800.00} XXXX  XXXX XXXX Balance : {$4100.00}
Product: Student loan

XXXX XXXX submitted application to certifiy employment and have my loans forgiven under PSLF . Also requested to have my loan put in forbearance while the application was processing. 

XXXX XXXX rejected due to incomplete application. They claimed a date was missing but the date is on the application. They also have not put my loans in forbearance.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security breach has me worried for my family and I. I would like the company to protect my identity. I am not worried just like the 143 million other people who are on the same boat.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

company was asked to update my address and remove all previous address and correct birthday and remove place of employment. Letter was sent out XX/XX/21 and i have got no response.
Product: Money transfer, virtual currency, or money service

Update to the previous complain, because WISE marked it as competed although it's absolutely not completed, and right at the moment they just cancelled my account without notice. This looks like a huge scam, I'm hoping to get a regulatory service to look at that. 

Here attach their answer to my lost money : pretty much " we don't have the money, we're not liable '', but they gave me 2 WEEKS notice before changing account infos, assured that money sent to the old account would bounce back, but it did not. 

It seems to me that wise cancelled thousands of accounts, and kept all the money sent to these previous accounts. Pretty much stole XXXX of XXXX of customers. Could you look into this please? 

Thanks -- -- -- -- -- - previous complaint, not addressed -- -- -- I asked someone based in XXXX to send me money on my account with Wise. I have a XXXX account through Wise. Without notification, Wise changed my account number and put the old XXXX as not operational anymore, saying that " any payment done to that account will bounce back ''. Just like any interaction I had with Wise which is more and more looking like a giant scam, the money that got sent to that old account absolutely didn't bounce back. Customer support must be done by robots because it's absolutely useless and AI-like. They told me to check with the sender 's bank, but there's nothing to check, the money got sent, didn't bounce back. I suspect Wise kept the money and is doing that with tons of " deactivated '' account.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of the credit card delinquencies from XXXX XXXX XXXXXXXX and XXXX XXXX on my credit score, citing violations of the CARES Act provisions. These delinquencies arose during the COVID-19 pandemic, a time of significant hardship for many, including myself. Despite communicating my late payments to the creditors and explaining that they were due to circumstances beyond my control, such as a natural disaster, these delinquencies were still reported on my credit report. I believe that under the CARES Act provisions, which aim to protect consumers facing financial difficulties during the pandemic, these delinquencies should be removed from my credit report. It is essential that my credit report accurately reflects the challenges I faced during this unprecedented time and does not unfairly penalize me for circumstances that were beyond my control.
Product: Bank account or service

I was charged a {$36.00} NSF charge for an item to posted and my account did not have an negative posted balance. I was told it was because I had items pending that is still pending as of today XXXX/XXXX/15 and the transaction posted to my account on XXXX/XXXX/15.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I can't login to my Experian Online Account. Experian customer support requested to send all my identification documents. I sent it through mail on XX/XX/2023 and according to USPS tracking number they received my letter with the documents on XX/XX/2023 ( see attached ). 

As the issue has not been resolved, I called to Experian again on XX/XX/2023 and was shocked when they lied to me saying they did not receive the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  NON-Suited any debt they thought i owed them. 
I REQUEST assistance with Creditor and ALL 3- REPORTING AGENCIES ... I want this collection DELETED off my report. 

CASE DISMISSED - XX/XX/2021. 
I DO NOT OWE XXXX. 

REQUEST= MAKE XXXX , XXXX AND EQUIFAX REMOVE THIS NEGATIVE COLLECTION OFF MY REPORT.
Product: Mortgage

Case number : XXXX Please note that I DO dispute the Bank of America response. The bank had no earthly interest in resolving the problem. With appalling inefficiency they asked the same questions time and time again and made me fax, email and send duplicate documents on a continual basis. This has gone on for many months even though they well knew that they would offer no relief. Their customer relationship managers insisted on making calls even though they well know that they had nothing to offer. They did this just to show that they were in contact. Bank of America refused the simplest request which was to change the due date from the first of the month to the XXXX of the month, the reason being that I receive my social security payment the XXXX Wednesday of each month. When I complained and explain that their idiotic requests were impacted on the health of an aged person they paid not attention and continued their harassment. Hopefully the government can take appropriate action against banks that take advantage of the consumer. If the bank would have told me immediately that they could not give relief I would have accepted their decision.
Product: Vehicle loan or lease

I the consumer and natural person, was denied credit by when I applied for an auto loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

I have already alerted them that they are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against due to the response I received. 

Capitol One is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of the company All actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 


Ive also noticed the inaccuracies myself in seeing my first name spelled completely different on both adverse action letters ive attached. Reference numbers are also on attachment