23daVinci/CFPB_Complaints huggingface dataset:
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 be removed from any affiliation with me immediately. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 

XXXX XXXX XXXX XXXX XXXXXX/XX/2023. {$940.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016, XXXX XXXX XXXX  was opened. We had a car with them and surrendered the vehicle due to undisclosed information for the temporary insurance they provided. The agreement was for us to utilize their insurance until we found a company that would insure our vehicle under full coverage. At the time we only had liability. Our monthly payment was higher due to XXXX XXXX insurance. A few months later we gained full coverage with XXXX  and called XXXX XXXX to give them the information and to cancel their insurance and go back to our regular monthly car loan payments. They told us they will not cancel their insurance it will continue on for the duration of our loan. We were outraged, we tried to speak with upper management. We was unsuccessful. We told them we would not continue business with them. They did not disclose that information nor did we sign any documentation stating their temporary insurance will stay on for the duration of our loan which meant we would have to pay two full coverage car insurance plus the car note payments. We told them to come and pick up the vehicle. We explained we placed new tires on the car, and replaced the car battery. They sold the car at an auction and did not include the updates. They then told us we had a remaining balance to pay them. We were again outraged. After a few months of searching for free legal representation, we received a notice of our credit report scoring plummeting tremendously due to XXXX XXXX placing us in collections. XXXX XXXX reported every month of non payment, even though we tried to state the fraudulent act they committed on us. We lost out on home purchasing due to them and as a result we had no choice but to pay the settlement amount they suggested to us in order for them to close the account and have it removed. It is 6 years later, they still havent removed themselves from our credit and placed the account as a charge off. We paid them in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX - Acct # 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

Under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXubject to subsection XXXX XXXX XXXX  and except as provided in subsection XXXX XXXX XXXX  If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have had several name changes, and it seems the bank believes my account was opened fraudulently. However, I have provided all my original documentation in person at the bank, but they never resolve the issue. I am tired of this situation, and all I want is for the blocked account to be closed and my deposited money to be reimbursed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Received a letter from XXXX advising that they " verified '' the information. i am curious as to how you verified information and would like to receive physical documentation to support this erroneous information. 
XXXX has been reporting Unverified and inaccurate information on my credit report which has damaged my credit. 
XXXX is " updating '' or " verifying '' information again without diligence information. i sent 6 round letters still Hasn't seeing any changes while there's multiple errors on my report am asking for this verification because my credit score is important to me and i believe it is being unjustly degraded as a result of unfortunate error.
Product: Credit card or prepaid card

TCI-TOTAL CARD, INC. TCI SOLUTIONS AND THE XXXX  XXXX  XXXX  HAVE SEVERAL CREDIT CARD BRANDS, NOTRIOUS FOR DECEPTIVE ADVERSTISEMENT AND MARKETING DESIGNED TO MAKE YOU FAIL BY VIOLATING F.C.R.A.-FAIR BILLING ACT ALONG WITH THE DODD-FRANK ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I NO LONGER LIVE HERE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ollo Card Services reported a transaction dispute to all three credit bureaus which caused my credit score and my wife 's credit score to decrease. I've never had a dispute result in a decreased in my credit score. CFPB : Is this process legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One arbitrarily canceled my card or canceled my account which dropped my credit rating by XXXX points. I called Capital One and demanded Id be taken off my credit rating. Whether I use their card or not use it is my decision and I shouldnt have to worry about having my credit irreparably damaged just because they want to close the account. I wasnt in debt to them I didnt use their card I didnt need to use it. Now my credit is destroyed because of this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX pulled my credit twice with in a 60 day period with out my authorization. I have not had business with XXXX for a while. 
They pulled credit on XX/XX/XXXX and XX/XX/XXXX. 

Its reporting to Equifax. I called to dispute on XX/XX/XXXX and they said it stays on for 2 years and they cant do nothing about it. I advised that this is inaccurate to my report and should of never been there in the first place. Since I no longer deal with them since XXXX on XXXX.
Product: Checking or savings account

We renewed a CD at Wells Fargo in XX/XX/XXXX with a new maturity date of XX/XX/XXXX. In the fall of XX/XX/XXXX, we began receiving solicitations from property recovery firms for " lost property '' and the approximate total. We were able to figure out the closest asset we had to that amount was this CD. Upon checking the State of Texas website - we found out that Wells Fargo had turned the CD funds over to the state as " unclaimed property ''! Although Wells Fargo later sent a letter they say was sent to us in XX/XX/XXXX - it was never received. It refers to an " inactive '' account, and the information document supplied by them to the State refers to the CD as a " Matured Certificate of Deposit '', which was also not true. We forfeited a percentage of the total to the State to have the money returned, and we lost the interest that should have been accruing up until the maturity date of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection company with an unknown date reported some payday loan or something that is not mine to XXXX, Experian, and XXXX on XX/XX/XXXX. I filed a complaint with all three credit reporting agencies with supporting documentation and XXXX is the ONLY one that removed it because my documentation proved that 1 ) my name did not match the name on what they have 2 ) XXXX XXXX has ZERO documentation 3 ) they harassed my parents back in XX/XX/XXXX when I did not even live at whatever address they HAVE LISTED 4 ) I was living in XXXX XXXX 5 ) I had already reported case of identity theft by that time 5 ) now its been over 30 days with ZERO response by such company XXXX XXXX and XXXX  and Experian have yet to remove it while it still lowers my credit score. I AM BEYOND LIVID
Product: Credit reporting or other personal consumer reports

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 I received a debt collection letter on an unsubstantiated, alleged debt with XXXX XXXX XXXX who has now sold/handed over my alleged debt to Patenaude & Felix A.P.C without any merit, verification, documentation, etc. There is no debt. I  refuse a debt exists. I filed a previous complaint with CFPB on this same matter
Product: Debt collection

My wife have an XXXX  and XXXX XXXX after seeing the radiologist  report about XXXX, I took emergency hospital XXXX  health center. I was with my wife and did not introduce myself that i m also doctor, and I just want to see their responsive. The Tech came and see my wife and tell my wife some unnecessary test to do which i decline and came back without see any doctor, and they don't give us any room and anything. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX and paid {$100.00} detectable. 
Later on I receive the latter that my wife owe {$1100.00} when I call my insurance they said hospital did not apply proper code for this bill otherwise we don't have any problem to pay them. I call the XXXX state health center to correct the code, and they told me let me tell the doctor which is unbelievable for me that I know that no doctor see my wife. Anyway, this look like health scam and I need a proper investigation on these charges and issue, otherwise i feel this is totally racism and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information on my credit report and Experian keeps saying either " updated '' or verified. I have asked for proof of verification multiple times and never received it. Also if you look at the attached credit report nothing was updated which proves that the credit bureau lied! I demand this inaccurate information be removed from my report. 

Account XXXX XXXX & XXXX  again, I have never been late on these accounts. Please investigate and provide PROOF OF VERIFICATION. Failure to do so will result in me seeking an attorney to take care of damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and Im submitting this complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$850.00} XXXX  XXXX Balance Owed : {$760.00} XXXX XXXX XXXX  XXXX Balance Owed : {$500.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$260.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, ( XXXX XXXX XXXX, XXXX account # XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602a states I have the right to privacy. 15 U.S.C1681 section 604a section 2, states as well that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Thank you for your time to REMOVE some of the items in my file that resulted from an incorrect credit report details but I still have ITEMS left that needed to be removed. I noticed many items which opened without my permission. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to incorrect credit report entries. The dispute items opened without my authorization. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you 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 items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Do you have a contractual obligation with XXXX, XXXX, XXXX XXXX XXXX. Yes or No? If so show me the contract.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$7600.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint regarding the fraudulent items on my account. I have made several attempts to resolve this matter through your customer service department without success. 

Since then, I have contacted your customer service department and have spoken with various representatives. However, despite my efforts, the fraudulent charges have not been removed from my account. 

I have attached copies of the following documents to support my complaint : Copies of my statements highlighting the fraudulent charges. 
Any correspondence I had with your customer service department, including reference numbers. 
Any other relevant documentation, such as police reports or dispute forms, if applicable. 
I understand that resolving cases of fraud can be a complex process, but I request that you take immediate action to investigate and rectify these unauthorized charges. I insist on a prompt and thorough investigation into this matter, and I expect the fraudulent items to be removed from my account as soon as possible. 

Additionally, I kindly request that you provide me with a written confirmation of the resolution and the actions taken to address this issue. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate steps to rectify this situation. I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9800.00} XXXX XXXX  XXXX Balance : {$670.00} XXXX XXXXXXXX  Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$3100.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is stating on my report that I am deliquent and they are not providing me with reasons why is the case. 

I have called them and they are not providing me with the information. With the other two credit agencies, there are no reports of this deliquency.