vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I was on XXXX asking about XXXX promotion he messaged me asking for acsess to account but was sending code for paypal I got email this XXXX XXXX had taken XXXX from my paypal account over drawn my bank account I reported but not response

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have a loan with NAVY FEDERAL CR UNION. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NAVY FEDERAL CR UNION with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
on XX/XX/2018 i sent a wire transfer to a bank for {$4500.00} to help a friend with travel arrangements the beneficiary was the travel agency. my bank in hawaii and XXXX XXXX XXXX have traced the wire transfer to the beneficiary.that the wire was complete however the travel agency is saying the bank did not receive the funds. I have all the files regarding this transaction as well as all the evidence showing the wire was complete. I have tried to e mail it to you as well as faxed it but I have not heard from you confirmation that you recieved it. Could you please HELP me??????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/2018 I traded my XXXX XXXX for a XXXX   ally banked reported the payment 30 days late. With the payout being processed and I received a check for over payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I recently applied for a credit card with Capital One and was denied on XX/XX/18. I received a letter stating that I was denied due to pending legal action being taken against me. I called Capital One and spoke to a rep in the customer service who said that they had no knowledge of any case against me and said they would send a request for re-approval. No one returned my requests and I have just been denied the card with no further explanation. It is against Federal Law for a financial institution to deny a credit card application and not provide a valid reason and a means to dispute the information if there is adverse action taken against a consumer. Additionally, the correspondence from Capital One does not include required information, such as credit score and how such information is used. Furthermore, it is against the FDCPA for a bank or debt collector to threaten to take legal action if they have no intention of doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express owes me XXXX points and they are frozen in pending status and are not posting. I have received many different inconsistent reasons from customer service reps and no one has been able to help. The company just tells me to contact XXXX, but XXXX does not see the points on their end. Why should the customer have to continue to contact both American Express and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, XXXX XXXX, XXXX has all violated my rights as a consumer costing millions dollars with inaccurate information trying to fix these items fts and police report has been sent but no action its time to make they pay and hold them accountable please advise the best action should I get a lawyer or should I try to resolve this for the 4 month in a row this will be my last attempt file with the XXXX and XXXX police dept which all companies involve have the report numbeers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX, XXXX XXXX, XXXX has all violated my rights as a consumer costing millions dollars with inaccurate information trying to fix these items fts and police report has been sent but no action its time to make they pay and hold them accountable please advise the best action should I get a lawyer or should I try to resolve this for the 4 month in a row this will be my last attempt file with the XXXX and XXXX police dept which all companies involve have the report numbeers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ditech Financial LLC
State: FL

Complaint narrative:
still, am receiving from DITECH FINANCIAL LLC that I have to pay for this debt collection when this debt already was pay off 12 years ago.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
Hello, I have a 2nd mortgage ( Home Equity loan ) with CitiMortgage, Inc.. Back in XX/XX/2013 I went through a bankruptcy which was discharged in XX/XX/2013. Since that time I was receiving monthly mortgage statement from CitiMortgage, Inc. However, for the past 3 months I did not receive any. Also, I did not receive any notifications stating that CitiMortgage, Inc. will stop sending me the monthly mortgage statements and the reason for it.

This week I called Customer Service Department and was told that because of the bankruptcy CitiMortgage is not required to provide me with a monthly statement. Is this correct? How can I find out otherwise what is the outstanding balance?

Is there a law/regulation that would make CitiMortgage provide me with a monthly statement? 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
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.
State: MI

Complaint narrative:
XXXX XXXX OF XXXXXXXX XXXX XXXX XXXX, WI XXXX HAS PLACED A NEGATIVE COLLECTIONS ON MY CREDIT REPORT EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY EXPERIAN CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. 

EXPERIAN IS STILL REPORTING THIS INACCURATE INFORMATION AFTER I SENT THEM THE USPS POSTAL INSPECTION SERVICE REPORT FROM THE CRIMINAL INVESTIGATIVE DIVISION SIGNED BY XXXX XXXX, MANAGER AND COURT DOCUMENTS SHOWING THE ORDER OF A FINANCIAL CONSERVATOR AND REPLACING ME ON ALL FINANCIAL DECISIONS AND MY LOSS OF CONTROL OVER MY FINANCIAL ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
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.
State: MI

Complaint narrative:
XXXX XXXX OF XXXX XXXX XXXX XXXX, WI XXXX HAS PLACED A NEGATIVE COLLECTIONS ON MY CREDIT REPORT EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH XXXX XXXX XXXX XXXX XXXX   WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. 

EXPERIAN IS STILL REPORTING THIS INACCURATE INFORMATION AFTER I SENT THEM THE USPS POSTAL INSPECTION SERVICE REPORT FROM THE CRIMINAL INVESTIGATIVE DIVISION SIGNED BY XXXX XXXX, MANAGER AND COURT DOCUMENTS SHOWING THE ORDER OF A FINANCIAL CONSERVATOR AND REPLACING ME ON ALL FINANCIAL DECISIONS AND MY LOSS OF CONTROL OVER MY FINANCIAL ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
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.
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX HAS PLACED A NEGATIVE COLLECTIONS ON MY CREDIT REPORT EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED  AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY EXPERIAN CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. 

EXPERIAN CONTINUES TO REPORT THIS INACCURATE INFORMATION EVEN AFTER I MAILED TO THEM COPIES OF THE USPS POSTAL INSPECTION SERVICE CRIMINIAL INVESTIGATIONS DIVISION REPORT AND COPIES OF COURT ORDER SHOWING THE APPOINTMENT OF A FINANCIAL CONSERVATOR ABSOLVING ME OF FURTHER RESPONSIBILITY AND DUTIES AND ABILITY TO HANDLE MY OWN FINANCIAL MATTERS SINCE THE CONSERVATOR RE-DIRECTED ALL MY MAIL TO HIS OWN OFFICE AND ENGAGED IN MISMANAGEMENT OF MY ACCOUNTS AND FINANCIAL DISHONESTY BY BILLING FOR HIS OWN ACCOUNTS FIRST AND TELLING THE COURT HE HAS BEEN PAYING MY ACCOUNTS AND CHARGING ME FOR DOING SO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
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.
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX HAS PLACED A NEGATIVE COLLECTIONS ON MY CREDIT REPORT EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX  CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. 

XXXX  CONTINUES TO REPORT THIS INACCURATE INFORMATION EVEN AFTER I MAILED TO THEM COPIES OF THE USPS POSTAL INSPECTION SERVICE CRIMINIAL INVESTIGATIONS DIVISION REPORT AND COPIES OF COURT ORDER SHOWING THE APPOINTMENT OF A FINANCIAL CONSERVATOR ABSOLVING ME OF FURTHER RESPONSIBILITY AND DUTIES AND ABILITY TO HANDLE MY OWN FINANCIAL MATTERS SINCE THE CONSERVATOR RE-DIRECTED ALL MY MAIL TO HIS OWN OFFICE AND ENGAGED IN MISMANAGEMENT OF MY ACCOUNTS AND FINANCIAL DISHONESTY BY BILLING FOR HIS OWN ACCOUNTS FIRST AND TELLING THE COURT HE HAS BEEN PAYING MY ACCOUNTS AND CHARGING ME FOR DOING SO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
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.
State: OH

Complaint narrative:
My identity was stolen and her name and personal information was added to my credit report. I have sent certified letters with my drivers license, social security card, police report, notarized letters proving the information was wrong and Experian still has not taken her information off of my report and the credit inquiries made by her applying for credit cards. 

Take off XXXX XXXX XXXX and any name associated with XXXX ( XXXX, XXXX, XXXX, XXXX ) Any inquiries from XX/XX/2016 XX/XX/2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have received 4 phone calls in the last week from this company, Portfolio Recovery, and I only discovered who it was by XXXX the numbers. They are a debt collection company. I have no old debts that are still within statute of limitations for debt collection, and I have a 100 % on time payment record with my current debts, so there is no reason for them to call me. I do not answer unknown numbers, and if no message is left, I block the calls. They call from a different number every time. They need to stop, they need to be sued, they need to be put out of business. The calls I've received so far : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21 00:00:00
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.
State: MI

Complaint narrative:
EXPERIAN CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. 

THE ACCT # IN QUESTION ON MY EXPERIAN CREDIT REPORT IS : XXXX. 

I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. 

THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. 

MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. 

SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesXXXX XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off/Never late. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$5100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Credit Limit - Highest Balance {$12000.00} Terms 1 Months On Record UntilXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NC

Complaint narrative:
On XX/XX/18 I called and was told I would receive my card yesterday XX/XX/2018 I call and ask where my card their response is no one ever marked it as such after speaking to five different ppl, its ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21 00:00:00
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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXXXXXX, XXXX XXXX MI XXXX. 

THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. 

I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. 

THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. 

MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. 

SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesAMERICAN EXPRESS AMEX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off/Never late. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$5100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Credit Limit - Highest Balance {$12000.00} Terms 1 Months On Record UntilXX/XX/XXXX

Company response to consumer: Closed with explanation