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

experian XXXX/ XXXX XXXX your experian fraudulent reporting : in your response case XXXX you experian state data furnisher verified that the information was accurate XX/XX/2019, you state on XX/XX/2019 that you sent supporting information to me. I request that you experian send to me a tracking number that it was sent because I never got the report, NOW you experian state that data furnisher verified WHO is the DATa furnisher you are implying sent the information it was verified, BECAUSE I sent in this dispute 2 facts one from data furnisher who is not legal owner of account and legaly can not report account, and fact 2 debt collector who states remove account at once two time now from my credit report. I demand who verified this account that is clearly to be removed as per debt collector requested.if you refuse to answer this question to my self and the CFPB in there response remove this fraudulent reporting at once, also your tracking of your responed letter you experian claim to of sent methat i never got. CFPB the question is who verified this account experian claims as data furnisher when i enclosed the facts to remove account
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect name, addresses, phone number & emloyers FCRA VIOLATIONS see attached documents XXXX 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, TX XXXX APARTMENT COMPLEX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXXXXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX MULTIFAMILY XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY 1935 XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, MA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, MA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY 1935 XXXX XXXX XXXX XXXX, AL XXXX MULTIFAMILY XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXXXXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, GA XXXX SINGLE FAMILY XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX APARTMENT COMPLEX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX MULTIFAMILY XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, MA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, MA XXXX SINGLE FAMILY ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Dispute Not mine or No knowledge of account RemoveXXXX XXXX XXXX XXXX Account Dispute Not mine or No knowledge of account RemoveXXXX XXXX  Account Dispute Not mine or No knowledge of account RemoveXXXX XXXX  Account Dispute Not mine or No knowledge of account Remove XXXX Account Dispute PAYMENT NEVER LATE Remove XXXX XXXX XXXX Account Dispute Not mine or No knowledge of account
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain fraudulent accounts and unauthorized inquiries from my credit report due to my status as a victim of a data breach and identity theft. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ). 
Below are the details of the fraudulent accounts that I am requesting to be removed : XXXX Accounts XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$65.00} XXXX. XXXX XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$560.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$2500.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$1300.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$280.00} XXXX. XXXX/XXXX  XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$1700.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o XXXX XXXX : {$260.00} XXXX. XXXX  XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$1300.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Current Balance : {$2500.00} Unauthorized Inquiries Additionally, I request the removal of the following unauthorized inquiries : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit card

My credit was stolen and used in a different state last year. I had a Wells Fargo credit card and been with them over 10 years. Never missed a payment. Always in good standing state. Then my card got stolen and some one from different state used it and purchased over XXXX $ worth of items. I did what everyone else would which calling the bank immediately but they messed up my report and filed it as dispute then months later they denied it and told me I should of filed it as fraud even tho I have told them it was fraud. This been going back and forth for a year now. Wells decided to close down my account and report it to collection agency. I simply cant do this with Wells Fargo anymore, this is not a good way treating a customer who been with them for ages without having a single issue. I need help fixing this
Product: Debt collection

My latest credit report contains several accounts that appear to be fraudulent and were added without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX acct no. XXXX .... is wrongfully, inaccurately and damaging speculatively in the hundreds of thousands of dollars appearing on my experian credit report. 
After an average of 10 disputes per bureau, XXXX  and XXXX have deleted this account in spite of XXXX XXXXXXXX XXXX ruthless attempts to uphold their erroneous position. 
IN CIVIL DISCOVERY .... BY ME BRINGING ACTION ... AND HOPEFUL PROSECUTORY EFFORTS BY THE CFPB IT WILL BE DETERMINED THAT : THE CEO, XXXX XXXX OF XXXX XXXX, HEADS A LAW BREAKING, FCRA DISRESPECTING, EXTORTIONATE, CRIMINAL ENTERPRISE. 
IT WILL BE DETERMINED IN DISCOVERY THAT XXXX XXXX DOES NOT POSSESS ANY CHARGE, EVER, ON THE ABOVE NAMED ACCOUNT, THAT HAS MY WRITTEN AUTHORIZATION, SIGNATURE OR INITIALS, THAT MY IP ADDRESSES OF MY COMPUTERS AND PHONE WERE NOT USED IN ANY TRANSACTION, THAT I DID NOT ORDER BY PHONE AND THAT, INCLUSIVELY, HAVE NEVER MADE A SINGLE CHARGE OF ANY KIND ON THE ABOVE NAMED ACCOUNT.IN ADDITION, I NEVER PAID A PENNY TO XXXX XXXX FOR ANY OF THE ID THEFT CHARGES.IT WILL ALSO BE DETERMINED THAT XXXX XXXX XXXX " BACK-WATER '' ACCOUNTING STYLE DEMONSTRATED IN THE TWO PREVIOUS CFPB RESPONSES ARE INACCURATE AT THE LEAST. 
THE ACCOUNT CLOSED WITH 0 BALANCE AND MULTIPLE LATE PAYMENTS IN THE HISTORY.I NEVER MADE A CHARGE OR MADE A PAYMENT.THE ACCOUNT WAS NOT CHARGED OFF, WITH A BALANCE, OR WITHOUT A BALANCE, AND NO COLLECTION AGENCY EFFORTS WAS STARTED.CAPITAL ONE SIMPLY, WITHOUT CAUSE, DID PAPERWORK THAT RUINED MY CREDIT HISTORY ILLEGALLY AND UNJUSTIFIABLY. 
EXPERIAN DID NOT RECOGNIZE THE FEDERAL TRADE COMMISSION REPORT OF ID THEFT DATED XX/XX/XXXX, THAT THEY RECEIVED MULTIPLE TIMES. 
2019 AND EXPERIAN WHO PROBABLY CAN'T DECIPHER XXXX XXXX XXXX ACCOUNTING RECEIVED ... .OPTED TO SUPPORT XXXX XXXX WITH MORE THAN 10 FRAUDULENT VERIFICATIONS.

I CHALLENGE EXPERIAN TO DO A REAL INVESTIGATION, FOR THE FIRST TIME, AND ASK THEIR CLIENT XXXX  XXXX .... IF THEY HAVE ANY PROOF, MY SIGNATURE ON ANY CHARGE WHATSOEVER.ALSO, ASK XXXX XXXX IF THEY HAVE A COPY OF ANY CHECK OR PROOF OF FUNDS I SENT THEM ... I DIDN'T SEND THEM A DIME.SO ... .I HAVE CREDIT REPORTING LATES ON CHARGES I DIDN'T MAKE AND THEN A GRANTOR BRINGING THE ACCOUNT TO 0 PAID /CLOSED STATUS WHERE I NEVER PAID A BILL BECAUSE I NEVER MADE A CHARGE. 
ALL OF THE STATEMENTS ON THE ACCOUNT ARE THE RESULT OF XXXX XXXX XXXX " ADJUSTMENTS '' I WOULD BE HAPPY TO PROVIDE EXPERIAN WITH ANY ID THEFT AFFIDAVITS OR ANYTHING THEY MIGHT REQUIRE TO SUPPRESS THIS ERRONEOUS ACCOUNT AND WOULD DEMAND THAT EXPERIAN CO-OPERATE TO DO THIS SO THAT THEY CAN ALSO OBEY THE FCRA DICTATED PROCESS REGARDING ID THEFT REGARDLESS OF THE OPINION OF THEIR CLIENT XXXX  XXXX. 
CREDIT DAMAGES ARE MOUNTING ... I AM BUSY IN XXXX TREATMENT WITH CO-PAYS.
Product: Credit reporting or other personal consumer reports

XXXX, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The listed inquiry was without authorization, and for XXXX legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have 30 days to complete your reinvestigation. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 
Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I did not give written permission to have these accounts furnished on my consumer report.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Again, I did not give written consent or permission to have these accounts furnished on my consumer report. This agency is in direct violation of the law.
15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> & XX/XX/year> XXXX reported late payment on my credit report and In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy. 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. I recently learned that my nonpublic personal information is being shared and furnished with different institutions and nancial institutions without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial institutions without full disclosure and without my written consent, unknowingly and unwillfully against my knowledge, and therefore request these accounts be removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 protection of nonpublic personal information. This is identity theft. Pursuant FCRA 603 ( c ) Financial Institutions must notify consumers in writing to CRA Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I, XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX and XXXX I wrote two letters. One to Kimball, Tirey. The other to XXXX XXXX. I asked both companies to prove I owe the debt, and prove that they own it. Neither has complied, and they're still reporting on my credit file.
Product: Money transfer, virtual currency, or money service

I have a PNC account and I'm tying to use a stock app ( XXXX ) and am unable to bc PNC refuses to link my account
Product: Debt collection

I received a letter from an agency called XXXX XXXX XXXX XXXX asking me to pay for an account I had with XXXX XXXX Bank with XXXX. I've never dealt with such a bank. I called XXXX after multiple research they couldn't find any account under my name. I tried to dispute it with the agency, with no success, I tried contacting the bank, and every time I called they asked to leave a message for the Fraud department to call me back but never received a callback.
Product: Consumer Loan

My credit score is XXXX. Ally turned me down on a {$7500.00} loan on a {$47000.00} car. 
Dealer discount price was subject to a loan with Ally.
Product: Credit reporting or other personal consumer reports

XX/XX/year> tried multiple times to speak to an Experian live agent at their customer service phone number. I waited approximately XXXX HOUR on hold and still was not connected to an actual person. In multiple others attempts to connect, Experian 's automated phone system either hung up on me or put me on infinite hold. This is insanity. This company has a duty to accurately and fairly and timely respond to vital customer information, and they are flaunting their disdain for the public. They think they are above the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX    XXXX   XXXX   XXXX    XXXX  VA  XXXX  #  XXXX  dob  XX/XX/XXXX     XXXX ,  XXXX  and Experian will not delete the unauthorized inquires on my credit.     The investigation has been over 60 days and still they have not been deleted.     the list of unauthorized inquires has been attached DELETED THE UNAUTHORIZED INQUIRES FROM MY REPORT
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized inquiry on my credit report. Please find the details below : XXXX XXXX Date of inquiry : XX/XX/2024 XXXX XXXX Date of inquiry : XX/XX/2024 XXXX XXXX XXXX  Date of inquiry : XX/XX/2024 XXXX XXXX  Date of inquiry : XX/XX/2024 XXXX
Product: Credit card

I traded in a laptop to Apple for {$650.00} - ie, Apple paid me {$650.00} for a laptop. They processed this payment on my Apple Card, which also subtracted {$19.00} in Apple Cash when I was paid for the Trade-in. 

The {$19.00} in Apple Cash should not have been subtracted. I'm owed {$19.00} in Apple cash. 

I initiated a support request. XXXX from Apple Card could not fix the problem, and filed an inquiry with Apple Card on my behalf. 

ALL CUSTOMERS WHO EVER TRADED IN A DEVICE TO APPLE, USING THEIR APPLE CARD ARE OWED APPLE CASH.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Account Number : XXXX Experian : XXXX XXXX Account XXXX : XXXX XXXX : XXXX Account Number : 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these has violated my rights. 
15 U.S.C 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 s-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: Checking or savings account

Check XXXX was double posted to my account. reached customer support, claims they will take 10 business days to revert this transaction, leaving me without {$1000.00} during the holiday weekend. Spoke to XXXX on XX/XX/year>, gave ID number XXXX. She claims to be a supervisor, and she claims the bank is unwilling and unable to issue a temporary refund to offset their accounting mistake.
Product: Student loan

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Account # XXXX ( XXXX XXXX  ), Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX ), Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Dept of Education XXXX ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX ), Account # XXXX ( Dept of Education XXXX ), Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX XXXXXXXX ), Account # XXXX ( XXXX XXXX XXXXXXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States 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 an account without my written instruction.

THERE HAS NOT BEEN ANY PROOF FROM THE FURNISHER THAT THESE COLLECTIONS BELONG ME TO. IF THERE IS, I NEED TO SEE THE PROOF IN WRITING.

Dept of Education XXXX does not have anything in writing with MY PERMISSION to anything on my credit report.
Product: Consumer Loan

I pay by phone on the 1st of each month {$260.00} in XXXX pay by phone I must have push XXXX not XXXX I did n't find out until the next month when I was told to pay {$360.00}. I contacted VW credit they informed me I paid {$160.00} last month and now I am 32 days late for {$100.00} and reported to credit union. They reported {$260.00} late not {$100.00}. This is a mistake anyone could make. I knew about this 2 days to late to rectify.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account this account is hurting my ability to obtain credit Its my understanding that the credit bureau will investigate this account for me to ensure accuracy here is the account Im asking you to verify as accurate Account name : XXXXXXXX XXXX XXXX XXXX Account number # XXXX Account name : XXXX XXXX XXXX Account number # XXXX
Product: Debt collection

On XX/XX/2021, I received a one-page demand letter from the above referenced company. The letter fraudulently claimed that I owe about {$5000.00} on a fictitious credit card account. I contacted XXXX  XXXX XXXX, and they instituted a fraud investigation. I believe I am the target of a criminal attempt to extort me of money based upon my status as a Senior Citizen. I can only imagine how many other senior citizens also received a similar letter. I DEMAND A FEDERAL INVESTIGATION OF THE COMPANY 'S PRINCIPAL, XXXX XXXX.