davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$140.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$910.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance Owed : {$910.00} XXXX XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

XXXX XXXX XXXX XXXX XXXX Capital One XXXX. XXXX XXXX for XXXX I have a credit card with Capital One. On that credit card, I used balance transfer to move my balance from XXXX ( XXXX ) with the intention of paying off XXXX so that no interest accrued. The balance transfer was initiated XX/XX/XXXX by Capital One. Capital one sent a physical check to the payee, XXXX. My Capital One account gained the {$340.00} balance. 

XXXX XXXX XXXX XXXX  did not receive payment. My payments were paused for investigation. 

I called Capital One to see who the check was sent and cashed. The check sent from Capital one had one error in the po box number, however, was still written out to XXXX XXXX XXXX The back of the check shows it was cashed by a third party, XXXXXXXX XXXX XXXX XXXX 

I provided the copy of the check to XXXX, and they have since concluded that this check was cashed by another company, and I am responsible for the full balance plus the interest accrued making my balance even higher than the original payoff amount. I also still owe Capital One, as this balance was added to my credit card. 

I have asked Capital One to report this as fraud. The check they sent was not cashed by the intended payee. 

Both Capital One and XXXX XXXX XXXX XXXX have stated it is up to the bank that cashed it, XXXX XXXX XXXX to refund me. I can not get through on phone as they will not speak to me, I am not a customer. Today XXXX I went into a local Branch who stated I would have to deal with Capital One. 

XXXX XXXX has my money and has caused frustration as well as additional fees tacked onto me. I need for my money to be returned to me. I can provide copies of documents for review.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$6700.00} XXXX XXXX  XXXX Balance Owed : {$47000.00} XXXX XXXXXXXX Balance Owed : {$35.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

Starting in XXXX of 2023, I requested that all of my creditors switch my auto payments to minimum payments only, until further notice. 

All of them proceeded to switch me to minimum payment only, except for Barclays, which continued to try to debit my bank account for the full statement balance month over month. When I realized this was happening, I again requested that I be switched to auto minimum payments only, which they confirmed verbally, yet continued to attempt to withdraw from my bank account the full statement balance. 

As I did not have sufficient funds to cover the full statement balance ( which was the reason I requested to switch to minimum payments only ), they reported me as 30 days late in XX/XX/2023, which would not have occurred had they simply switched me to auto minimum payments only, as requested on multiple occasions. Even after they reported me 30 days late, and I had another conversation with Barclays regarding how I should have been on auto minimum payments only as requested and needed to confirm I would be moving forward, they continued to keep my status at full statement balance for auto payments. ( You'll see this evidenced in the XX/XX/XXXX last statement that I'm uploading, along with the others starting XXXX of 2023. You'll see on the statements, it was an error in their accounting system as their system was reporting that it had taken the full statement balance from my bank account, which it had not, so the following month would pull a lesser amount, which made it very difficult to track or understand what was occurring/what the issue was. I only received one phone call from Barclays during that 6 month period from XXXX and that wasn't until my account was already showing 30 days delinquent ) I've had perfect credit for many years and I consider this predatory as it's resulted in a severe drop in my credit score. I dispute this reporting by Barclays due to their neglect on my account and request that this 30 day late is removed from my credit report ASAP.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/year> I was made aware my identity was leaked in a breach including address, name, social and bank account info. I then started to contact said credit bureau and made them aware of the situation and proceeded to dispute. About a month later it came back as accurate which I was then told to file an identity theft report which I did on XX/XX/year>. My ftc report # XXXX. I have only 1 current address beginning with XXXX XXXX all others should be deleted as they are not mine and have been at that address for 5 years.. After reviewing my credit report the following accounts are fraudulent need to be deleted/removed : 1. XXXX XXXX XXXX 2.XXXX 3.tower XXXX XXXX XXXX 4.all XXXX XXXX 5.all XXXX XXXX accounts As well as the following inquiries made in my name need to be removed : 1 ) XXXX XXXX 2 ) XXXX  XXXX 3 ) XXXX 4 ) XXXX XXXX 5 ) XXXX & XXXX XXXX 6 ) XXXX XXXX, XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX  XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX  XXXX XXXX 11 ) XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX 14 ) XXXX XXXX XXXX 15 ) XXXX 16 ) XXXX XXXX XXXX XXXX 17 ) XXXX XXXX 18 ) XXXX XXXX XXXX XXXX XXXX 19 ) XXXX XXXX XXXX 20 ) XXXX XXXX 21 ) XXXX 22 ) XXXX 23 ) XXXX XXXX 24 ) XXXX 25 ) XXXX XXXX 26 ) XXXX 27 ) XXXX XXXX 28 ) fifth third 29 ) XXXX XXXX 30 ) XXXX XXXX 31 ) XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO Bank, N.A. (CA)

problem started with this bank in XXXX of XXXX  when i deposited a check that i was under the impression was a good check, well the check wasnt any good and bounced back and the bank decided to close the account at this point they were trying to take too long closing the account and sending me a check for the balance that was in my account at clouser so i had to have my attorney send them a stern letter demanding the process be sped up as i neeeded the funds to pay for my mortgage, and medical bills that are past due at this point. after they receive the letter the cashiers check was aqt my home no llonger then 3 days. and thats where the real problem has started with this horrible bank. since receiving the check for the amount of {$5500.00} which was the balance in my account at clouser there has been issue after issue with trying to have it cashed, first off im in a nursing home being treated for XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  so to make thimgs simpler for me and my familty i have given ny son power of attorney over me the documment has been properly executed and notarized along with two witnesses signatures but the bank is refusing to accept it. my son has been to multiple branches and recently had to pull me out of my nursing home where im receiving treatment to drag me to a branch to have this issue resolved to no avail his most recent visit to a branch eneded with them callling the cops on him for no reason which was just another form of XXXX XXXX  to say the least they are refusing to accept a valid POA document and demanding that i risk my health to come to a branch when i should not have to do so i am a XXXX XXXX XXXX man already not in the best condition but they want me to risk my health to step into a branch when my identity has been confirmed multiple time with them through a notarized id verification for and state id submitted to them at their request something needs to be done as im about to lose everythinmg possibly even my life as they are about to stop my treatment because i havent made any payments since XXXX becase this bank is bliocking my son and myself from cashing a check that is rightfully mine and every hoop my son jumps through they come up with something else and it's jepordizing my healt, life, and eerything else i have worked for in my life.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries 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 XXXX, OH XXXX XXXX XXXX MI XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$2100.00} XXXX  XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX Balance XXXX : {$520.00} XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX-***** Balance Owed : {$630.00} XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXX  XXXX Balance Owed : {$520.00} XXXX XXXX  XXXX Balance Owed : {$540.00} XXXX  XXXX Balance Owed XXXX {$330.00} XXXX  XXXX XXXX Balance Owed : {$630.00} XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX  XXXX Balance Owed : {$1800.00} U.S. Bankruptcy Court Chapter XXXX Bankruptcy Reference # XXXX U.S. Bankruptcy Court Chapter XXXX Bankruptcy Reference # XXXX XXXX Bankruptcy Court Chapter XXXX Bankruptcy Reference # XXXX XXXX XX/XX/year>
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

An account was open in my name - XXXX XXXX. I never opened this account. Show me in writing for when I have permissible purpose under 15 U.S. Code 1681b. Also a remark code was added by XXXX XXXX XXXX. Remove all negative remark codes from my consumer report. When you sign up for credit no where in the fine print does it say a company can add remark codes to your consumer report. I demand it be removed expeditiously. Remark codes and accounts I did not sign up for should not be on my consumer report if I didnt sign off on it personally.
Consumer complaint received 2023-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

I had a mortgage with Wells Fargo. We did the modification and did it right had the proof of payments. And my family was still put out in the streets. This was in 2013 but we have been trying to fight them ever since but have been unsuccessful because at that time they had a servicing company to hide behind.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00}
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital one 360 checking account. 

So I had someone hack into my door dash and buy a bunch of high end food on my card on file ( this Capital one checking in question ) so naturally I disputed it, the rep was nice, friendly and understood. 

couple days later I call for a status and they claim " it was closed. denied and you resubmitted it '' NO I did not!!! I asked for them to review the recorded calls to prove this, they said they can't ( we know thats a lie ) however the reason it was closed and denied was ( Get this ) " You stated your card was in your possession the entire time '' Let that sink in for a second... 

Door dash is an APP, that got HACKED into!! me having my card in my possession makes NO difference!!!! they stuck to their story ( of course ) I literally had to ask if whoever makes these decisions do they drug test? this might be the dumbest thing I have ever heard from a bank ... and they are really trying to stick to this crap
Consumer complaint received 2015-12-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nationstar Mortgage ( perhaps the worst loan servicer on the planet ) continues with their negligent handling of my loan. They recently sent me correspondence containing numerous errors related to the upcoming adjustments on my interest rate ... i.e. an incorrect floor rate, incorrect first adjustment limits ( too high ), and incorrect estimate payment information. I called customer service and the representative fully agreed with my concerns in reading my Promissory Note and opened a " research request '' # XXXX ; however, Nationstar has not responded and I 've been unable to get any resolution by phone ( after over 1 hour and 15 minutes on hold with XXXX or XXXX, and numerous transfers and hangups.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following inquiries were not authorized by me and/or I do not recognize the account : XXXX. XXXX XXXX XXXX on XX/XX/XXXX by TransUnion XXXX. XXXX XXXX on XX/XX/XXXX by TransUnion XXXX. XXXX XXXX on XX/XX/XXXX by TransUnion XXXX. XXXX XXXX XXXXXXXX on XX/XX/XXXX by TransUnion XXXX. XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXXXXXX on XX/XX/XXXX by TransUnion XXXX. XXXX XXXX on XX/XX/XXXX by TransUnion XXXX. XXXX on XX/XX/XXXX by XXXX XXXX. XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXX on XX/XX/XXXX by TransUnion XXXX. XXXX XXXX on XX/XX/XXXX by XXXX
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I submitted a payment for {$100.00} through the app, well above the minimum due, and as a " second '' installment within the same billing cycle. I was somehow and suspiciously charged another {$150.00} today, XXXX, for a payment towards the card that was apparently scheduled but that I know I DID NOT SCHEDULE. So, it is a DUPLICATE charge that I requested them to cancel or refund earlier today, on XX/XX/24. However, they said they " can not do anything about it '' nor could they provide a reverse credit after the payment is posted. Which, as far as I know, amounts to deceptive and predatory practices- especially when I am not past due or obliged to make additional payments. Especially with other bills upcoming, I have been set back an additional {$150.00} that no one can explain as to how or who authorized it.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

This is my 3rd complaint with this department about ongoing issues with my Truist account. Truist still says I'm - {$470.00} in my account and by my calculations that's incorrect. Please refer to my previous 2 complaints if any questions. I would like to get this settled as this has been an ongoing problem.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX