23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Medical Data Systems/Medical Revenue Services,  XXXX, FL, attached a debt of {$1300.00} to my credit report for a debt owed to XXXX XXXX XXXX, Tx by my XXXX yr old daughter, whom I had no contact with from XXXX, and lived XXXX miles away in XXXX Texas XXXX since XXXX. 

Services were performed XX/XX/XXXX and I never received a bill or statement from XXXX XXXX XXXX. I did not know it existed. 

In XX/XX/XXXX, I received a collection letter from Medical Data Systems, XXXX, FL aka Medical Revenue Service. 
I called them when I received the collection letter in XX/XX/XXXX and spoke with an agent that said she would verify the dispute with XXXX XXXX XXXX. I never heard back from her. Repeated attempts got nowhere. 

In XX/XX/XXXX, I opened a notification from XXXX Credit Reporting and Medical Data Systems aka Medical Revenue Services had attached the debt to my credit report as a negative debt. That was pretty bold of them, and since I am married to a XXXX XXXX  of a XXXX XXXX agency myself, I know my consumer rights. To put their company in that position is extremely unwise. I called one of our favorite attorneys who specializes in these matters for my husband 's employer and indeed, was advised that I have been violated once they reported it to the credit bureaus. 

I disputed with XXXX twice, whom doesn't even have my birth year correct. Whatever they " investigated '' wasn't much and insists the bill is " relevant ''. It isn't relevant to me at all. I was never there and this is an adult child who is very capable of paying her own bills. 

I will also be filing a formal complaint against XXXX  as well since they can not prove the bill is mine, but I have proof that it isn't. 

Now that Medical Data Systems aka Medical Revenue Service has attached a bill that has nothing to do with me, nor was signed or authorized by me in any way, with full proof of my location XXXX miles away, on XXXX XXXX Location and a GPS app, I have been violated under the FDCPA and have retained an attorney to sue for damages. 

My daughter is an adult, insured by my ex husband through XXXX XXXX, XXXX XXXX and she is not my responsibility. 

I have also made a formal complaint against Medical Data Systems aka Medical Revenue Services, XXXX FL, with the Texas Attorney General, XXXX XXXX 's office. 

My attorney is : XXXX XXXX XXXX XXXX XXXX  XXXX, MD
Product: Debt collection

Enhanced Recovery was collecting for a cell phone bill, I called Enhanced Recovery to pay it, and their collection agent promised me that if I paid them, they would delete it from my credit report at all credit bureaus. 
Their collection agent stated that all I had to do was dispute it through the credit bureaus after I paid them. 
So I paid them, and I have disputed this account multiple times through all 3 credit bureaus but Enhanced Recovery refuses to delete it as their collection agent promised.
Product: Money transfer, virtual currency, or money service

I have multiple issues with Citizens Bank. 
Issue 1 - in have been waiting to transfer money from XXXX XXXX XXXX to Citizens Bank since XXXX. Citizens has had multiple issues and my money has been resubmitted multiple times. They then informed me to transfer it to my daughters account. I have been waiting for at a month and they can see my money but cant complete the transfer. 
Issue 2 - I had money taken out of my account due to theft XX/XX/XXXX. The bank has confirmed that my money was stolen XX/XX/XXXX. I have been waiting for my money and the bank is not reimbursing me for my money and cant seem to help. 
Issue 3 - My daughter had mine taken from her due to fraud. The police were aware and confirmed that this was fraud. This started in the Summer of XXXX and the Bank continues to not reimburse my daughter. 
I have tried multiple options and I know the bank continues to lie about all of these issues.
Product: Credit reporting or other personal consumer reports

I have requested that my personal information be updated with XXXX, XXXX, and TransUnion. As of this date no changes have been made to my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance {$26000.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I have started going over my credit report. I noticed some incorrect addresses and phone number. I reached out to all XXXX credit agencies, I sent in my drivers license with my address on it, a current utility bill with my address and a letter with all the incorrect addresses. I got no response. though a credit monitoring app I use, I saw that my new address was updated but they did not remove ANY of the information that was incorrect. I sent a 2nd letter and realized I could file a complaint via the CFPB. The incorrect information while small all add up and are affecting my credit score in a negative manner.The received the 2nd letter XX/XX/2022 track # XXXX and added the new address XX/XX/2022 but again nothing with the incorrect information
Product: Debt or credit management

I payed them to fix my credit and also they supposed to reach out to companies on my behalf but nothing never got fixed on my credit I was paying them for like 6 months before stopping my services
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX Account Number : XXXX XXXX-XXXXXXXX XXXX. XX/XX/2021 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

XXXX XXXX is attempting to identify commissions earned ( {$560.00} ) during my work as a Financial Representative as debt. I worked for the company in XXXX and a letter regarding the " debt '' was mailed XX/XX/XXXX.
Product: Mortgage

I have repeatedly applied for HARP with Citibank without receiving a response to the reason that I was denied. I received an approval on a loan modification XX/XX/XXXX, paid six months of payments at {$2100.00} per month with a denial coming in XX/XX/XXXX. Citibank logged these payments to my account for all six months in the amount of {$2100.00} per month a difference of {$32.00} for each month on XX/XX/XXXX. I had a temporary loan modification for XX/XX/XXXX to XX/XX/XXXX in the amount of {$2100.00} for each month and a Disaster Forbearance for XX/XX/XXXX to XX/XX/XXXX at the amount of {$1000.00} for each month. My Mortgage went up from {$400000.00} to {$410000.00} instead of down the amount that I have paid from XX/XX/XXXX. Citibank took one payment of {$1800.00} on XX/XX/XXXX and one payment of {$1700.00} on XXXX XXXX for property taxes that XXXX County Treasurer have never received and are charging me for this. I have paid my property taxes in full XX/XX/XXXX. I am being told that Citibank is putting my loan on a variable loan program with a cap of 4.75 % not the 3.375 % that I was approved for in XXXX and have been paying all along but can not supply any paperwork for this agreement. Because of all of this holding of payments Citibank shows on my credit report that I am 90 days past due.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On Tuesday, XX/XX/XXXX, I deposited an emergency personal check for XXXX in person at the bank, drawn on an XXXX backed personal checking account. 

Within minutes at the bank, the funds for the check were verified as cleared. The funds were shown as withdrawn from the described source account at the same time. 

I was told by the bank that the funds would not show as cleared until the following day. By the time I arrived home, I received a notice from Bank of America that the funds were on an extended security hold ( 7 business days, i.e. 10 days ), and would not be accessible before or until the given precise time on the very last day of the extended security hold. 

I complained to no avail, including internal complaints, in-person visit, and XXXX XXXX XXXX filing XXXX The bank essentially had cash-in-hand, withdrawn from the source account, but in a float for the full extended security hold. The bank quoted their account policy, and then self-referentially stated they hadn't violated their own policy. 

This is the equivalent of depositing cash, but not getting it credited to the account for 7 - 10 calendar days. Bank of America claims they did no wrong, and " apologizes for inconvenience '', with no further action or acknowledgement. 

Upon research, this graft ( and fraud, in the legal sense of the word ) committed by Bank of America and its officers is a common-enough issue that there are class action lawsuits against the bank for misappropriating deposited funds. Bank of America is a crooked organization, and the evidence can be found in the XXXX XXXX Bank of America class action lawsuit filed in XXXX XXXX, Illinois on behalf of all Bank of America consumers with similar standing, regardless of state of residence. The case number is XXXX, and is attached here for reference. 

Bank of America has said they have done no wrong, merely changed their policy to begin bilking their checking account customers should orginal funds in the target account be less than the funds on deposit. This is an evasion. When the funds have cleared out of the source account, they are not " in transit ''. They are in a hold account that is used as rolling nightly float. Together with all the float funds that are automatically " put on extended security hold '' across America, the daily float runs around XXXX XXXX, often more, and over a rolling seven day period, the float fund can run as high XXXX XXXX dollars, taken from " little people '' who deposit checks that are instantly cleared, but not deposited for a full 7 - 10 calendar days. 

Bank of America is engaged in consumer fraud, with evidence.
Product: Checking or savings account

Im writing with regards to the ethics and lack of transparency of Capital one. 

My current interest yield on my account is 0.3 %, even though their advertised interest rate is over 3 %. When I called to inquire about the disparity, I was told that its because my account type, XXXX XXXX, is outdated and has been discontinued. 
However, at no time was I notified or contacted by a rep to alert me that I am not receiving the typical yields due to my account product. This lack of transparency is disingenuous, bordering on unethical. 

My concern is for people who are not computer savvy or do not have the time, means or resources ( I.e, elderly, those in underserved communities ) who will be disadvantaged by their lack of disclosure. 

Something should be done about this immediately. My husband is trying to convince me not to go to the media with this, but Im having a hard time finding a reason not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

An Auto Loan by XXXX XXXX XXXX was made to myself. After 3 years, I realized that after submitting the following information, XXXX AND XXXX have removed the negative information from my report. I need for EXPERIAN to do the same. 
ATTACHMENTS WITH ALL INFORMATION NEEDED. 

This item Account paid in Full ; was a Charge-off reported by XXXX XXXX XXXX # XXXX is inaccurate and incorrect. 

XXXX XXXX XXXX XXXX recognizes the above referenced account as paid in full on XX/XX/2016 The information on my credit report is inaccurately stated and reported by XXXX XXXX XXXX, proof of which is the attached letter sent by said bank regarding my account. 

The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the item be removed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Debt collection

A company called collection connection just sent me a letter demanding payment in full within 10 days or they claim will they turn it over to an attorney in my city. I do not owe this debt. I paid the XXXX in cash when I withdrew. They have never validated this debt. I have disputed this account on all XXXX bureaus to no avail. Not only are they threating to sue me on an account I do not owe, not validated, but its also after the PA statute of limitations.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX District Heights XXXX MD XXXX To whom it may concern : Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer XXXX have inadvertently given you written, unwritten, verbal and non-verbal, per XXXX XXXX XXXX. 

Per XXXX CFR XXXX, states that, A consumer XXXX exercise the right to opt out at any time. 

I am opting out of your reporting services to XXXX, Equifax and XXXX. 


XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
Product: Debt collection

My vehicle was XXXX  in XXXX of XXXX  after paying my monthly car note for over XXXX  years. As we were in the height of the covid pandemic and used cars were in high demand. Exeter decided to make more money on this loan. I received a refund of {$7500.00} returned to me from this vendor. This account is showing paid/closed XX/XX/year>. I have requested a XXXX for tax purposes and I have never received one. I was surprised upon requesting my credit report that this vendoe showed up on my report and under negetive account activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I checked my latest consumer report on XX/XX/2021 and i am still being violated by not only the three main reporting agencies but I'm sure the hidden agencies where my private information is bought and sold by and to non affiliates. I do not consent to E-oscar verification and will reserve all my XXXX given rights as a natural person. TransUnion, XXXX and XXXX continue to report defamatory inaccurate information. NO AGENCY SHALL DISCLOSE ANY RECORD WHICH CONTAINED IN A SYSTEM OF RECORDS BY ANY MEANS OF COMMUNICATION TO ANY PERSON, OR TO ANOTHER AGENCY, EXCEPT PURSUANT TO A WRITTEN REQUEST BY OR WITH THE PRIOR WRITTEN CONSENT OF, THE INDIVIDUAL TO WHOM THE RECORD PERTAINS. I NEVER GAVE ANY REPORTING AGENCY CONSENT. The role congress says they " assumed '', DOES NOT permit the use of my private information WITHOUT CONSENT. A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 15 USC 1681b ( f ) Certain use or obtaining of information prohibited. A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE HAS BEEN A STUDENT LOAN ON MY CREDIT REPORT FOR SEVERAL YEARS. XXXX XXXX XXXX. AFTER TAKING CHARGE OF MY CREDIT REPORT I DECIDED TO START REQUESTING INFORMATION ABOUT THIS STUDENT LOAN DUE TO THE FACT IN XX/XX/XXXX I WAS XXXX AND I SIGNED UP FOR COLLEGE AT XXXX XXXX XXXX XXXX XXXX. I STARTED OR ENROLLED IN XX/XX/XXXX I WENT TO COLLEGE FOR ABOUT A MONTH AND A HALF BEFORE DROPPING OUT OF  SCHOOL. I NEVER RECEIVED ONE CHECK FROM THAT SCHOOL. AFTER MONTHS OF INVESTIGATING ON MY OWN THERE ARE SO MANY DISCREPENCIES THAT DONT ADD UP. SO MUCH INCORRECT INFORMATION. AND I HAVE SINCE FOUND OUT THAT THIS COLLEGE WAS STILL GETTING CHECKS FROM STUDENTS AFTER THEY HAD DROPPED OUT. THESE ARE THE DISCREPENCIES THAT WAS FOUND ON MY NSLDS.ED.GOV ACCOUNT 1. ) IT IS SHOWING MY LOAN PERIOD BEGIN DATE ( STARTDATE ) AS XX/XX/XXXX WHICH SOUNDS ABOUT CORRECT BUT IT IS SHOWING AS OF XX/XX/XXXX I GRADUATED. THIS WAS A 2 YEAR COLLEGE FOR A XXXX XXXX IN XXXX XXXX. NO WAY POSSIBLE I GRADUATED IN XX/XX/XXXXWHICH MEANS I GRADUATED IN 4 MONTH S 2. ) SHOWING AS GRADUATED AND I ONLY WENT FOR ABOUT 1 MONTH AND 2 WEEKS 3. THE GRADUATION DATE EFFECTIVE XX/XX/XXXX IS ACTUALLY WHEN THE SCHOOL CLOSED MY ACCOUNT OUT AND ENDED MY ENROLLMENT 4. NEVER CASHED OR SIGNED A CHECK FROM XXXX XXXX XXXX XXXX XXXX SEE ATACHED PAPERWORK SHOWING WHERE SCHOOL FRAUDED THE US DEPARTMENT OF EDUCATION OUT OF MILLIONS OF DOLLARS. 5.I REQUESTED SCHOOL TRANSCRIPS SHOWING ME WITH ONLY 20 HR 6. I FILED A COMPLAINT WITH THE XXXX XXXX XXXX XXXX DUE TO DISCREPENCIES AND FRAUDULENT ACTIVITES, INACQUERATE INFORMATION ON THE NSLDS.ED.GOV IT SHOWS THAT THERE WAS ANOTHER LOAN IN XX/XX/XXXX TAKEN OUT BUT IT ALSO SHOWS I GRADUATED IN 4 MONTHSXX/XX/XXXX. 7. THIS COLLEGE HAS DAMAGED MY CREDIT FOR YEARS REPORTING FALSE INFORMATION TO THE NSLDS.ED.GOV THIS SCHOOL DEFRAUDED ME AND HAS RUINED MY CREDIT. 8. PLEASE REVIEW INFORMATION THOROUGHLY AND AFTER READING PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS .I WILL ALSO MAIL A COPY TO ALL 3 CREDIT BUREAUS ASKING REMOVAL FOR DISCREPENCIES AND FRAUD.