davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

upon checking my credit report I seen that I had a negative balance of {$1200.00} I called Capital One which was the owner of the credit card they told me that the account was sold and XXXX XXXX XXXX had my account I called XXXX XXXX told them that my credit card was stolen out of my workplace I used to work as a XXXX XXXXt there was a XXXX  that I attended to next thing that evening I found that my wallet was missing my boss which was a XXXX  simply just gave me money to get home and at that time havent any knowledge to go to the police department report my wallet being stolen So I can have proof of this fact and now Im trying with XXXX XXXX Get this matter solved on several occasions they send me a packet containing no valid proof of billing to this amount {$1200.00} I immediately recalled them back and still no help they say they cant send me what they have in the there computer so now This is one of the steps Im seeking help to gain the necessary clearance of negatives on my credit reporting That isnt valid charges thats bazaar yes Im complaining against XXXX XXXX XXXX I spoke with many agents. Dated my information to be reached everything even spoke with Senior account executives by the name of initials XXXX  First name XXXX
Consumer complaint received 2024-02-09
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. (IN)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX  credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX IN XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX Balance Owed : {$9800.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been sending multiple letters from XX/XX/XXXX to XX/XX/XXXX to the Credit Bureaus, requesting the verification and removal of the fraudulent information I found on my Credit Report. The Credit Bureaus seemed to not fully understand that I want the Fraudulent Items completely removed from my Credit File. I recognize the efforts made by the Credit Bureaus in removing some of the fraudulent items from my Credit but I see here that there are some items that should also be removed as they too are the results of such crime. Once again, I was a victim of Identity Theft and the accounts and items I am disputing were never mine neither authorized be me. I never received any benefits from the theft of my identity. Pursuant of FCRA section 605b, I am formally requesting that the Credit Bureaus include the following fraudulent items to be removed from my Credit report : XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. 

XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been sending multiple letters from XX/XX/XXXX to XX/XX/XXXX to the Credit Bureaus, requesting the verification and removal of the fraudulent information I found on my Credit Report. The Credit Bureaus seemed to not fully understand that I want the Fraudulent Items completely removed from my Credit File. I recognize the efforts made by the Credit Bureaus in removing some of the fraudulent items from my Credit but I see here that there are some items that should also be removed as they too are the results of such crime. Once again, I was a victim of Identity Theft and the accounts and items I am disputing were never mine neither authorized be me. I never received any benefits from the theft of my identity. Pursuant of FCRA section 605b, I am formally requesting that the Credit Bureaus include the following fraudulent items to be removed from my Credit report : XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$450.00} XXXX XXXX {$1900.00} XXXX  XXXX {$2100.00} XXXX XXXX {$2700.00} XXXX {$3000.00} XXXX  XXXX {$5900.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX {$1200.00} XXXX XXXX {$1100.00} XXXX XXXX {$3000.00} XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX {$2200.00} XXXX XXXX {$3300.00} XXXX   XXXX {$2200.00}
Consumer complaint received 2024-02-09
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. (OH)

I hope this message reaches you promptly. I am writing to express my continued concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite multiple attempts to address this matter, the fraudulent items persist, causing significant distress and financial hardship.

Given the urgency of the situation, I urgently request the following actions be taken : Immediate and Thorough Review : Conduct an expedited and comprehensive review of the fraudulent activities associated with my account to facilitate the swift removal of all unauthorized items and transactions.

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to resolve this issue.

Preventive Measures Implementation : Implement additional preventive measures on my account immediately to mitigate the risk of future unauthorized access or activities.

Compensation Consideration : Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced.

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in your services.

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I've written XXXX XXXX Several times to provide Proper documentation they've sent duplicate responses I think they are fraudulent. Under 15 USC 1602 ( i ) I entered into a Consumer credit transaction I didn't receive a Loan as the creditor extended my credit to them using my Credit Card ( SSN ) Number. Creating the alleged debt I've asked them for Verification by Requesting the Document that Federal law requires them to. Refer to 12 CFR 1006.34 ( a ) they failed to send ( 1 ) Debt collector communication disclosure 1006.18 ( e ) they aren't in compliance and I will continue to write them.
Consumer complaint received 2020-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

XXXX  is imposing modified loan terms on us. The company added a Shared Appreciation Mortgage ( SAM ) balance to the loan that should have been waived according to the SAM agreement. 

This complaint relates to a mortgage taken from Ocwen on a primary residence in NJ, the terms of which were modified after the last financial crisis to a lower interest rate, with a SAM clause. The SAM clause provided for the SAM balance to be waived after three years of making payments without defaulting. 

Ocwen assigned the mortgage to XXXX, with PHH mortgage acting as the loan servicer, according the letter from XXXX. 

The heart of our complaint is that after years of making payments on time, and paying the balance down to USDXXXX, XXXX  wants to impose an additional USDXXXX on us, in breach of the SAM agreement, and in breach of the decency one would expect from a mortgage lender in the midst of the COVID-19 crisis. 

The loan modification was completed towards the end of XXXX, and shortly after the agreement was completed, we began to make regular monthly payments. Having made payments without missing a month for more than 6 years, one would expect that the SAM balance would have been removed. It was not. 

We called XXXX  to ask that the SAM balance be removed in XX/XX/XXXX, and they did not agree, arguing that the terms of the SAM agreement allowed them to keep the SAM balance. 

We considered that our request had been heard, as you can see in the attached letter, that a Welcome package was sent to us without the SAM balance. Then XXXX   turned around to say we owe them a SAM balance. 

We hope you can kindly ask XXXX  to review the long history of on-time payments to comply with the SAM agreement, the fact that the nation is currently in a pandemic crisis, and basic human decency, so that they remove the SAM balance and report the correct amount for our mortgage balance. 

Thanks in advance.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

The three bureaus XXXX, Equifax, XXXX have no legal right to place on my report for approx. 5.5 yrs.the fact that my XXXX Bankruptcy case had been successfully discharged in 2021 by the Eastern District Court Of MICHIGAN U.S. Federal Bankruptcy Court. This is a private matter thus a privacy violation and possible identity theft I did not consent to this report publication and it has harmed my quality of life i.e. hard to rebuild my credit, would be turned down for future loan request and damaging my credit score finally it will hamper my re-employment attempts, etc.Finally, the posting of this bankruptcy has/there reporting requirements do not comply with FCRA 611 ( 15 U.S.C.16811 ) and therefore the information of Bankruptcy must be deleted immediately in order to comply with the law.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. CHAPTER XXXX BANKRUPTCY DISHCARGED
Consumer complaint received 2024-02-09
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. (OH)

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 Balance : {$8200.00} XXXX XXXX Balance : {$200.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you regarding the presence of late accounts on my credit report that are severely impacting my financial standing. I demand the immediate and unconditional removal of these late payments to rectify the injustice that has been perpetrated against me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-09
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. (AL)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX VA XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} ; XXXXXXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Equifax has many inaccurate information on my credit report that I would like to be removed. Ive reached out the the company and nothing was resolved. I would like for this issue to be resolved.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I was informed by my lender that I was not approved for a home equity loan due to some derogatory itmes listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Pleae remove the items as soon as possible. XXXX XXXX {$130000.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX 11XXXX {$530.00} XXXX   XXXX {$2300.00} XXXX  XXXX {$7700.00} XXXX XXXX XXXX {$10000.00} XXXX XXXXXXXX {$4200.00} XXXX   XXXX {$250.00} XXXX XXXX {$550.00} XXXX XXXX XXXX {$2600.00} XXXX XXXXXXXX {$4000.00} XXXX XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$170.00} XXXX   XXXX {$1000.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$950.00} XXXX XXXX  XXXX {$800.00} XXXX  XXXX {$4200.00} XXXX XXXX {$4000.00}
Consumer complaint received 2024-02-09
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX 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 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 Clerk of the XXXX XXXX XXXX Filed a notice of withdrawal of Bankruptcy, I contacted the 3 major credit reporting bureaus so they could do there Research and remove this XXXX XXXX XXXX from my credit file XXXX XXXX XXXX 
Ive spent countless dollars and so much of time trying to dispute this unlawful Public record on my Personal Credit file it remains. according to FCRA XXXX and Transunion have 30 calendar days to investigate errors and unlawful reporting.
Consumer complaint received 2020-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

upon checking my credit report I seen that I had a negative balance of {$1200.00} I called XXXX XXXX which was the owner of the credit card they told me that the account was sold and portfolio recovery Associates had my account I called Portfolio recovery told them that my credit card was stolen out of my workplace I used to work as a XXXX XXXX  there was a XXXX that I attended to next thing that evening I found that my wallet was missing my boss which was a XXXX simply just gave me money to get home and at that time havent any knowledge to go to the police department report my wallet being stolen So I can have proof of this fact and now Im trying with Portfolio Recovery Get this matter solved on several occasions they send me a packet containing no valid proof of billing to this amount {$1200.00} I immediately recalled them back and still no help they say they cant send me what they have in the there computer so now This is one of the steps Im seeking help to gain the necessary clearance of negatives on my credit reporting That isnt valid charges thats bazaar yes Im complaining against portfolio recovery Associates I spoke with many agents. Dated my information to be reached everything even spoke with Senior account executives by the name of initials XXXX  First  name XXXX