23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debt collectors are required by the FDCPA to send you a written validation notice with information about the debt theyre trying to collect before reporting this to the credit bureaus. 

Transworld failed to do this therefore this account should not be reporting on my credit report. 

In addition, Theres no proof that this debt belongs to me. I have not had any accounts with the original creditor listed under this account. XXXX was unable to provide me with any documentation regarding this so called debt.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I reported a fraudulent charges of {$59.00} on my Macy 's Express Card, because on XXXX XXXX, Citicard contacted me to validate whether they were valid or not valid charges as they were monitoring my account. " For your account security, the Credit Services Fraud Department would like to verify recent activity on your Macy 's account. '' I confirmed that they were not valid charges. You see they were originated in XXXX ( at a gas station ) and I was in XXXX. Once Macy 's sent the fraud paperwork, I returned it in XXXX with a Police report # XXXX, filed on XXXX XXXX, 2016. My complaint is that they deny that they have received the documentation, therefore it would be difficult for them to keep their commitment of resolving disputed charges in 1 to 2 billing cycles. As I am now at at the third billing cycle since the fraud charges occurred. However, because of this, I have chosen to may the balance on the account and close it, and want the amount refunded as they are not my charges of {$59.00}.
Product: Credit reporting or other personal consumer reports

I am formally submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : XXXXXXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : XXXX XXXX XXXX  Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : 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
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS BREACHED/STOLEN XXXX AND REPORTED TO LAW ENFORCEMENT. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Debt collection

i received an alert regarding a past due alert and i called all of the places that im aware of open accounts and i am in good standards with all so i was told to call XXXX since that where the alert was coming from that's when i was told where and what was going on which was devastating because i've been working consistanly on my credit to get it and keep it in good standards only to become a victim of identity theft i have no XXXX XXXX XXXX  service nowhere and they should not be reporting on my credit i am a victim of identity theft
Product: Credit reporting or other personal consumer reports

CREDIT BUREAU : EQUIFAX FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EQUIFAX TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EQUIFAX HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. IF EQUIFAX DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EQUIFAX COMMISSION FILE NUMBER 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. I WILL BE FILING 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. EQUIFAX IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

investigation took more than 30 days i am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ) have failed to remove information that affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and a outright refusing to uphold the law
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days. 
XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent XXXXFPB findings against Navy FederaXXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXXDO NOT CONFUSE ME WITH RELATIVES WITH THE SAME NAME OR ADDRESS. VERIFY ALL IDENTIFYING INFORMATION.DO NOT CONFUSE ME WITH RELATIVES WITH SIMILAR NAMES OR ADDRESSES. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. VERIFY ALL IDENTIFYINGINFORMATION. 

XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY 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 XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! My name is XXXX XXXX. My current address is at XXXX XXXX XXXX XXXX CA XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
Below are the date, account ( s ) and account number ( s ) .This request has been denied and I would like thiese inaccurate information to be REMOVED. 

DATE DISPUTED XXXX IN XXXX XXXX AND EQUIFAX XXXX XXXX IN XXXX ONLY XXXX XXXX XXXX I would also like thiese inaccurate information to be UPDATED TO POSITIVE. 
DATE DISPUTED XXXX IN XXXX XXXX AND EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my account statements and believe that Barclays has not provided proof of mailing or delivery of the necessary information at least XXXX days prior to the due date for the payment in question. As such, I respectfully request the following documentation : Proof of the date ( s ) the required payment due date notices were mailed or delivered to me.

Any evidence ( e.g., mail tracking information, email delivery receipts ) showing that these documents were sent or delivered in compliance with the aforementioned sections of the law.

Additionally, under 15 USC 1681s-2, I request that you review and correct any inaccuracies related to this issue in my credit report, as the alleged late payments may have been incorrectly reported due to non-compliance with these legal requirements. 
Please provide this documentation, including any email delivery receipts or other records verifying that the notifications were sent on time. Without this documentation, I can not accept that the payments were correctly treated as late under the Fair Credit Billing Act and may have grounds to dispute this information with the credit bureaus. 
I expect a prompt response to this request. If you fail to provide the requested documentation or continue to treat my payment as late without the required proof, I will consider taking further action, including disputing the report with the credit bureaus and consult an attorney specializing in consumer protection law.
Product: Vehicle loan or lease

After leasing this vehicle, I was charged a property tax by the company due to property tax assessed by the city or state upon a leased vehicle. It is my understanding this will be assessed upon my lease annually. I am a 100 % service-connected XXXX veteran.
Product: Mortgage

We ( XXXX owners ) have tried to sell XXXX properties for about 10 years with no success the situation has become unmanageable, extremely stressful, and costly. There seemed to be no way out other than to do a short sale and take whatever the consequences may be. Started with a real estate agent and short sale company XXXX/XXXX/2014 buyers have been obtained and there are agreements of sale on both the properties, XXXX for 5 months and XXXX for ten months. The mortgage company continually asks for the same information all during these months with no progress and no resolution. We are now in jeopardy of losing the buyers XXXX of the buyers has extended at least 4 times ; XXXX XXXX is the expiration of both the agreements of sale. When our short sale company or myself tries to determine what the problem is no one seems to know. We have requested a conference call to get to the bottom of what is the problem, but we are getting no where with that request either. We are trying to avoid the foreclosure by bringing qualified buyers to the mortgage company that actually both the agreements are equal to or greater than the appraised value that the mortgage company has had them appraised recently. 10 months for XXXX property and 5 months for the other seems quite unreasonable to review these requests especially when they have been in receipt of all the requested documentation for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XX/XX/1981 XXXX XXXX XXXX XXXX XXXX, La. XXXX To whom it may concern : I am seeking to validate inaccurate information appearing on my credit report and thereby I am asking this to be updated to show accurately as set by law. 
Acc # XXXX Flurish Inc DBA Lendup XXXX XXXX XXXX # XXXX XXXX XXXX, CA. XXXX Inaccurate information on account status and payment information. Payments not showing for the month of XXXX and XXXX. 
Please investigate my account in addition to the furnisher of this information along with forwarding this letter and all relevant enclosures to the reporting company and a copy to me for conformation of your actions. 
Please do not merely contact the company electronically without providing a copy of this letter and all relevant enclosures. 


Cordially
Product: Credit reporting, credit repair services, or other personal consumer reports

i have no knowledge of these accounts. i beleive the thieft accessed to my information with these databreaches leaks. please remove all those fraudulents accounts from my report.
Product: Credit reporting

I had a payday loan with XXXX XXXX in XXXX of XXXX. It became delinquent immediately. In XXXX of XXXX, they turned the collection over to XXXX XXXX XXXX. The obsolescence date for the 7 year time frame for falling off my file would have been XXXX. But XXXX put that date as XXXX ... when they received the collection. This is a violation of my federal rights. I disputed this with Trans Union and they left it on my file.
Product: Debt collection

I am filing this complaint against Velocity Investments LLC regarding unsubstantiated collection attempts tied to an alleged debt with account numbers XXXX, which they claim to have acquired from XXXX XXXX XXXX . Additionally, this complaint includes XXXXXXXX XXXX XXXX XXXX XXXX, a separate collection agency involved in these attempts. Despite repeated requests, neither Velocity Investments LLC nor XXXX, XXXX XXXX XXXX XXXX, or previous collectors have provided documentation to substantiate their claim or verify the alleged debts legitimacy or validity.

For clarity, I have not acknowledged the existence, accuracy, or validity of this alleged debt and expressly deny any liability for it. I have, however, requested that these agencies provide : Documentation demonstrating Velocity Investments LLCs or XXXX XXXX XXXX XXXX XXXX  claimed ownership of the alleged debt ; A copy of any original agreement with XXXX XXXX XXXX  purportedly associated with this alleged debt, which would demonstrate any obligations claimed ; and A verification of the amount they claim is owed, including a full breakdown of any fees, interest, or penalties allegedly accrued.

Despite these legally valid and reasonable requests, no such documentation has been provided by either Velocity Investments LLC or XXXX XXXX XXXX XXXX XXXX XXXX. This failure to provide verification violates the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Act ( CFPA ), both of which require debt collectors to validate a debt upon the consumers request.

I further assert that these repeated collection attempts, absent substantiation, constitute harassment and misrepresentation, resulting in unnecessary distress and confusion. Without clear documentation, I am unable to confirm or assess the legitimacy of the alleged debt, and it remains, in my view, unsubstantiated.

I respectfully request that the CFPB investigate this matter to ensure that all debt collection practices by Velocity Investments LLC and XXXX XXXX XXXX XXXX XXXX comply with federal laws. I further request that these agencies cease all collection activities concerning this alleged debt until they provide the requested documentation verifying its existence, ownership, and validity.

Thank you for your attention to this matter. I look forward to a resolution that protects my rights as a consumer under federal law.
Product: Vehicle loan or lease

I traded in my leased XXXX 6 months before lease end on a new XXXX lease at a XXXX dealership. The lease included provisions for the dealership to pay off the trade in in full. A month later I got a lease end termination bill for {$6000.00} from Chrysler Capital and when I contacted them they said it was probably just a delay in paperwork and not to worry about it. A month after that I got another {$6500.00} bill from Chrysler Capital and when I contacted them they lied and said I never traded in the old Jeep and that I owed this money. I have the new lease contract that proves otherwise. They say I have to pay the amount, which is not supported by any type of documentation. My remaining payments ( 6 times $ XXXX/month ) only add up to {$3300.00} so theres no way I could owe {$6500.00} even if what they said was true. These people were rude, arrogant and dismissive. The best part is that this happened 3 years earlier on my previous trade in as well, which eventually got sorted out after weeks of harassment by them. Should I have learned my lesson then? Probably. But now I have proof of a pattern of fraud, contempt and disrespect for a loyal cuStomper who always pays their bills on time. Chrysler Capital needs to be brought to justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in the disclosure to Opt Out from XXXX XXXX selling/giving/using/sharing any of my information to third party and without my consent they gave my information to XXXX, Equifax and XXXX. The disclosure was mailed out to XXXX XXXX on XX/XX/2022. After seeing this information was listed on my consumer report, I started a complaint with XXXX XXXX and when I asked if I would receive any acknowledgement of the complaint or completion of the 'investigation ' I was told by the representative that I would not receive any confirmation or letter of acknowledgement. 
XXXX has violated 15 USC 6802 ( b ) ( 1 ), further XXXX, Equifax and XXXX has violated 15 USC 1681b, I never gave none of the CRA 's mentioned above permission or consent to place anything on my consumer report.
Product: Money transfer, virtual currency, or money service

I was scammed XXXXXXXX XXXX off XXXX tickets for a XXXX XXXX concert. Where I sent the money through Zelle to a user named XXXX XXXX. ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two unfamiliar items on my credit report. After speaking with TransUnion they advised me that I could place a security fraud alert on my credit report and also file an identity theft report. I mailed the information in XX/XX/XXXX and was told that it was not received so I called and was advised by a supervisor to fax my request over. I faxed my information on XX/XX/XXXX and I called after business days to confirm that my fax was received. However, TransUnions has still failed to removed these 2 items from my credit report per the fair credit report act section 605B.
Product: Credit reporting or other personal consumer reports

My credit report shows that no payments were made for the month of XXXX and XXXX. I have proof of making the payments except there was a XXXX  which I consider a predatory loan practice. 

I was behind on a payment for the mouth of XXXX and was offered a hardship plan which I signed up for. 
Original loan payments are {$860.00} Under hardship plan automatically offered online, the loan payments were set to reduce to {$430.00} for next 3 months. I accepted the plan with payment date being XXXX of each month with payments starting in XXXX. 

These are the following payments I made : XX/XX/XXXX - {$870.00} ( even though {$430.00} was due ) In XXXX I was unable to make payment, & then when I signed back into my account to catch up the total due amount showed now overnight was {$2100.00} and a note saying the account is more than 60 days past due even though a payment was made in XXXX per Hardship plan agreement. 
I made a payment on XX/XX/XXXX of {$2100.00}. 

XXXX XXXX said it was part of thier hardship contract where if you miss a payment on hardship plan a ) they can pretend that they never received any payments from the time you sign hardship contract even though a payment was made in XXXX and account was current. 
B ) the atrocious amount due overnight of {$2100.00}. I have no clue how the payment for XX/XX/XXXX due {$430.00} XXXX to {$2100.00} after XXXX missed payment. I consider this predatory loan practice. Not only does my credit show no payment was made in XXXX, when clearly a payment was made on XX/XX/XXXX ( due XXXX XXXX ) to XX/XX/XXXX the account was less than 60 days past due. 

Why does my credit report show no payments?
Product: Debt collection

I keep getting calls from Bay Area Credit to collect on a debt that does not exist. My only existing debt is my student loan debt which is handled by XXXX XXXX. Bay Area first repeatedly called my parents ' house back in XXXX 2015 -- where I do not live -- attempting to collect personal information about me. My mother told them she would report them and they stopped calling my parents. Somehow, they obtained my cell phone number ; their first call to me was on XXXX XXXX, 2015 ( XXXX, no messages ). Since then, they call during my work day. They have only ever left a voicemail XXXX, and they sounded suspicious. Sometimes they call every day, sometimes they call maybe once or twice per week. I 've contacted XXXX ID ( a credit monitoring service -- set up after the XXXX cyber attack ) regarding the calls, and they told me this is likely a phishing scam and to ignore the calls from Bay Area. I followed their advice to ignore their calls, but they are really annoying. I am on the Do Not Call registry. Please make this stop.