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

Information below shows on my background report and is inaccurate. I have aready reached out to XXXX XXXX and there is no record of this information. This needs to be moved form my bakground report. There are no actions against my license with the board. Thank you Case Reference # XXXX Name on File XXXX XXXX Sentence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : INACTIVEBOARD PUBLIC ACTION HISTORY : NO ORDERS FOUNDLICENSE & AMP ; ACTION URL : XXXX : XXXX XXXX Record Source FRAUD & ABUSE CONTROL INFORMATION Search Results No Record Found Search Type FRAUD & ABUSE PLUS OFAC SEARCH LEVEL XXXX Date of Search XXXX Given Name Searched XXXX XXXX XXXX
Product: Debt collection

After receiving a forbearance exemption due to COVID-19 in XXXX, I received numerous phone calls from Fay Servicing in XXXX, XXXX, and XXXX encouraging me to make payments. In addition, I was led to believe that I could not request the payments be added to the end of the loan, and instead made balloon payments to cover those accruing during the forbearance period. 

As a result of this and being laid off due to COVID, I have been forced to fill out a new arduous application for forbearance which was completed on XXXX and was told it would be completed within a month ( often earlier ). XXXX, my account manager gave me assurances that I'd qualify for forbearance and that I could have these payments added to the end of the loan, as opposed to due immediately after forbearance. Sadly, one month later they still do not have a response for me. 

Sadly, in this precarious circumstances, Fay Servicing is my only lender that has not worked with me to help me through this trying time. They are simply interested in continuing to intimidate someone who is struggling with unemployment during COVID-19.
Product: Prepaid card

XXXX XXXX had {$110.00} rebate for when you purchased 4 tires. I purchased the 4 tires from XXXX Tires on XX/XX/XXXX. I was issued the card and when I went to use it on XX/XX/XXXX I noticed there was an expiration date of XX/XX/XXXX. I called the company who is on the card. XXXX They informed me that the {$110.00} was no longer available and couldn't tell me where my money went. It's my understanding that federally these funds should be available for at least 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Transunion failed to send me evidence of the accounts in question XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX   XXXXXXXX XXXX XXXXXXXX ( duplicate reporting ), XXXX XXXXXXXXXXXX XXXX   XXXX ( duplicate reporting ), XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These accounts should be corrected : XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXXXXXX Balance : {$100000.00}.
Product: Credit card or prepaid card

I was hospitalized with XXXX for almost three months. When I got home I had a large amount of past due bills that had gone unpaid due to my hospitalization. My Capital One account has a current balance of {$690.00} with {$200.00} of that amount due from late fees I was charged during my hospital stay. I would like to bring my account balance current but can not due to these incredibly harsh fees charged in the middle of the pandemic.
Product: Mortgage

When attempting to respond to Wells Fargo Mortgage 's invitation to apply for a XXXX loan refinance and contacting their phone representatives, we are steered immediately to a routine mortgage refinancing - " desktop underwriting ". The representatives express ignorance of the XXXX program ( XXXX ) and stated that there are " different types of XXXX plans. '' We just completed a XXXX refinancing with our XXXX Bank mortgage which was streamlined and had a very minimal fee charge. so we know of which we speak! 
It appears to us that the Wells Fargo Mortgage personnel are instructed to evade and avoid the government 's actual low cost XXXX program by only offering a conventional refinancing, including much more complex qualifying restrictions, while hiding behind the " XXXX '' name. 
To us, this fits the definition of a " scam, '' amd merits further investigation.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention two discrepancies on my credit reports that have been causing me concern. As a responsible consumer, I am eager to request your assistance in resolving these issues. 

Discrepancy XXXX : XXXX XXXX Credit Card Account Account Opened : XX/XX/XXXX I had multiple late and missing payments, resulting in a serious delinquency notice on my credit report. Although the account was charged off, I made full payment to XXXX. However, despite my efforts to resolve this issue, a " serious delinquency '' notice continues to appear on my credit report every time it is run. Unfortunately, this notice does not specify which account is causing it, further complicating the situation. 

Request for Clarification I am requesting that the credit reporting agencies provide a detailed explanation of which account is causing this " serious delinquency '' notice to appear on my credit report. This is essential to accurately understand and address the issue. 

Expected Removal Date As I researched the impact of old accounts on credit reports, I discovered that all collections and delinquencies should fall off after 7 years ( Federal Credit Reporting age ). Since the account was opened in XX/XX/XXXX, this month ( current year ) marks 7 years since the opening date. I am requesting confirmation as to when this account will fall off from my credit report. 

Discrepancy XXXX : XXXX XXXX XXXX XXXXXXXX XXXX Account Account Opened : XX/XX/XXXX This account is currently listed as " derogatory '' on my credit report. However, I made a full payment on XX/XX/XXXX. As the account was paid in full, I should no longer have any negative information associated with this account. 

Request for Information I am seeking clarification on the expected removal date of this account from my credit report. Could you please provide me with an update regarding when I can expect this account to be removed? 

Request for Update Could you please provide me with an update regarding the expected removal dates for these accounts on all major credit reporting agencies ( XXXX, XXXX, Experian, FICO and others )? I would like to ensure that both accounts are accurately reflected on my credit report after the respective 7-year period has passed.

Thank you for your prompt attention to this matter. I am committed to maintaining a positive and responsible credit history, and any resolution to these discrepancies will aid in ensuring a more accurate and fair credit score representation. 

I eagerly await your response and am available for any further clarification or information if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

American Express has informed me that I can't make valid charges to a person because I know the individual. This is absurd and I have had difficulty understanding their position. I know many of the people to whom I make purchases and their position is unclear and their representative had difficulty explaining their rules and what the are requesting. I am now being asked for bank statement and they have not informed me of the reason. 

I think the real issue is that they have extended me a large amount of credit and they are now nervous. This is the best that I can come up with. In an attempt to get to the bottom of this, I am also contacting me congressional representatives about this matter. 

Please let me know of any further information that you require. Thank you.
Product: Credit reporting or other personal consumer reports

I am wanting these inquiries to be deleted because I didn't authorize these companies to run my credit.
Product: Debt collection

I had a doctor 's appointment on XX/XX/XXXX. A copay was not collected at the time of service. On XX/XX/XXXX, I received a collection 's notice from XXXX XXXX for {$35.00}. Prior to the notice, I did not receive any notice/statement/bill of an outstanding balance from the doctor 's office, XXXX XXXX XXXX, or their billing company, XXXX XXXX XXXX. 

Upon calling XXXX XXXX XXXX, they stated that no statements or bills had been sent to me since XXXX, and my address on file was current. They admitted fault, and that my bill should not have gone to formal collections since no statements or bills had been sent. I am concerned about this information being reported in my credit history since the billing company has admitted they never billed me.
Product: Credit reporting or other personal consumer reports

During XXXX I went through financial hardship, resulting in late payments to my XXXX XXXX XXXX. They gave the account to XXXX XXXX XXXX to manage it, and a payment plan was put in place for me to pay the debt. I paid my dues having my last payment automatically withdrawn on XX/XX/year>. I have confirmed with XXXX over the phone, at least 2 times, that in fact the account was " paid as agreed '' and that it is now " Closed ''. My first complain is with them for failing to send me the proper documentation in writing, even though I asked for it, at least twice. 
On XXXX of this year I received a " XXXX 's Post-Judgement Discovery Request '' from XXXX XXXX XXXX, representing XXXX, claiming that I still owe {$3900.00} XXXX talked to a XXXX XXXX representative and sent proof of my payment arrangement and last XXXX payments to XXXX. They have been investigating since then. It is basically XXXX now ( 6 months since I contacted them ), and every time I call, they have no status on my case. 
To make things even worse, in the past 3 months, XXXX has been reporting a " past due '' amount on that closed account, for the amount of {$79.00} each month. It is important to say that according to the representatives at XXXX, they are not aware of these charges, and I have not received any communication from XXXX about this charge that I can only assume is a late fee (? ), but makes no sense because the account was charge off and it's close, so there should be no new charges.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I have received a copy of my consumer credit profile report. I am writing in regards to dispute the misleading information that's appearing on my Equifax consumer credit profile report.The following inquiries are unauthorized, and I ask that they be removed immediately. 

Name XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 


Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX IA XXXX XXXX XXXX ) XXXX I dont recognize this lender and I didn't authorize them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be removed immediately from my consumer credit profile report. Please remove any information that the creditor can not verify. I understand that under FCRA 611 ( 15 U.S.C. 1681I and 15 U.S.C. Sec. 1681i ( a ), XXXX must immediately remove any misleading an/or misinformation being reported to my consumer credit report profile.Thank you for your time and consideration as well as helping with the situation, it is truly highly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was paid in full. They hired credit karma to report to the three major credit bureaus tthat my account is overdue in payments. The history is inaccurate.. This account is paid. XXXX is reporting to Transunion XXXX and XXXX inaccurate history and status. This account is old and was resolved years ago so now this fraudulent reporting must end. The account is paid and it should say that. It's been years since I paid this XXXX. The status is inaccurate. Iam attempting to resolve this before taking legal action. This practice is infair and staines my future financially.
Product: Mortgage

In XXXX, I Refinanced My 1st Mortgage with a Different Bank! This is One of My Local Banks I Use for My Daily Personal Banking Services! This Bank is The Huntington Bank, XXXX, Ohio. I Asked for the Best 15yr Fixed Rate Mortgage & Best Rate Available!?? My 1st Mortgage at that Time was with XXXX XXXX XXXX and it was a FHA MORTGAGE. 
I Had & Have Excellent Credit. I Was Never Late on My Mrtg Payments & Never Missed a Payment!! I Was Told By Local Bank Loan Manager, a HARP MORTGAGE Could Only be Approved By The Main -Huntington Bank & by their # 1 Mortgage Loan Manager in XXXX , Ohio Huntington Headquarters & This Process Would Take a Few Months! Refinance With the XXXX Banch Would be a Much Quicker Process & They Could Offer a Comparable Fixed Rate!! They Sold Me a Conventional Mortgage, not a FHA Backed Mortgage & Not a Harp Mortgage. At This Time I Did Not Realize This 1st Mortgage Loan was Not an FHA Backed Mortgage!?! 
They Charged Me 2 - 3 Points to Get the Fixed Rate Down to 5.75 %. I Was Charged an Appraisal Fee, Points Fees & Closing Costs = all Totaling Appr {$3000.00}. With My Current 1st Mortgage FHA MRTG LOAN With XXXX XXXX XXXX, I QUALIFIED FOR THE HARP MORTGAGE, But was not even Offered the Harp!! I Believe They Did Not Want to Provide or Offer me a HARP MORTGAGE was Because They Would Not Make as Much MONEY / PROFIT AS THE WOULD WITH A CONVENTIONAL LOAN!! I THEN DISCOVERED, I NOW AM NOT ELIGIBLE FOR A HARP MORTGAGE From Any Banking Facility Because I No Longer Have a FHA BACKED MORTGAGE!! I HAVE CONTACTED NUMEROUS BANKS & MORTGAGE COMPANYS & ALL SAY THEY CAN GET ME A RATE, AS LOW AS A HARP MRTG!! BUT IN DOING THIS THEY ARE CHARGING ME 2-3-4 POINTS TO GET ME A FIXED RATE CLOSE TO THE HARP RATE, BUT STILL NOT AS LOW &  AGAIN I WOULD BE CHARGED FOR AN APPRAISAL & POINTS FEES & CLOSING COSTS!! I WAS REFINANCING TO GET CASH OUT TO PAY OFF CREDIT CARD DEBT & GET A LOWER MORTGAGE RATE, RESULTING IN A LOWER MONTHLY MORTGAGE PAYMENT!! I BELIEVE, THE REASON THEY WOULD NOT PROVIDE OR OFFER THE HARP MORTGAGE WAS SIMPLY, THEY MADE A " LOT '' MORE MONEY OFF ME THAN THEY WOULD MAKE PROVIDING ME A HARP MORTGAGE!! I ALSO FEEL & BELIEVE I AM BEING DISCRIMINATED AGAINST BY NOT BEING ELIGIBLE FOR A HARP MORTGAGE, BECAUSE I DO N'T HAVE A FHA MORTGAGE!! OVER MY LIFETIME, I HAVE HAD 4-5 MORTGAGES & ALL WERE FHA MORTGAGES!! I ALSO BELIEVED WITH THIS LAST MORTGAGE WITH HUNTINGTON BANK, IT WOULD ALSO BE A " FHA '' MORTGAGE! I Guess I Was Ignorant to the MORTGAGE BUSINESS & NOW I CAN NOT GET A HARP MORTGAGE TO PAY OFF OTHER DEBTS. WE ARE RETIRED & ON A FIXED LIMITED INCOME!! WE ARE BOTH " XXXX XXXX '' and NEITHER CAN WORK! - UNEMPLOYED! I DO N'T BEILIEVE THIS WAS OR IS FAIR, IT FEELS LIKE DISCRIMINATION TO ME!! I AM TALKING WITH MY ATTORNEY BEFORE TAKING ANY OTHER ACTION!?! CAN YOU PLEASE HELP ME GET A HARP MORTGAGE?? 
Thank You, XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX CENT XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX  XXXX Balance : {$280000.00}
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and do not belong to me. I did not authorize anyone to access my report or make these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit was run by XXXX XXXX who also ran it through several other banks without my knowledge. I requested that the Equifax credit agency remove XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX as they are fraudulent inquiries and need immediate removal by my request XXXX XXXX of the FCRA and again by phone with consumer law 1631 b and 3 ( b ). They close the claims and provide no proof of validation as there is none. My only options now are to sue using XXXX XXXX for each violation as I'm getting nowhere, and they aren't following the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion currently shows no credit history for me and my credit score is XXXX. I was unable to address the situation on line because they could not find my account. I was required to submit everything by paper and to date I have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for identity theft in XXXX of 2021. Honda Finance claims they investigated the claim and they denied my claim based on their investigation. I have yet to receive the names and numbers of the agents and anyone contacted in regards to the investigation as stated in FRCA. Additionally, upon review of my credit report, I noticed this is an Auto Lease, per TILA leases are not permissible for automobiles and instead an installment credit sale waste be the basis of the initial transaction which I did not initiate. Honda, a debt collector, is now charging-off monthly a disputed debt and ignoring to apply payment with my direction. I did not initiate a transaction, nothing has been loaned to me and I have not received any goods.
Product: Checking or savings account

i used zip code XXXX to applied checking account online on website XXXX XXXX XXXX and it shows the {$250.00} promotion is available in your area, after i signed up complete the requirement for the {$250.00} bonus, they keep telling me my region was not included in this offer.i don't accept this reason, that website was show zip code XXXX available for the promotion, i have right to get this {$250.00} bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$4100.00} Date OpenedXXXX XXXX {$300.00} XXXX XXXX XXXX XXXX  XXXXDate of Inquiry XXXX XX/XX/XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXXDate of Inquiry : XX/XX/XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX|Date of Inquiry XXXX XX/XX/XXXX XXXX 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.