23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account, XXXX, XXXX, XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 

XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX Account Type : XXXX XXXX XXXX XXXX Account # : XXXX Account Type : Installment XXXX Account # : XXXX XXXX Account Type : IXXXX XXXX XXXXXXXX  Account Type - Detail : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All Banks : XXXX  XX/XX/XXXX Bank XXXX Cards : XXXX XXXX  XX/XX/XXXX Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Auto Dealers, Used : XXXX XXXX XX/XX/XXXX Auto Dealers, New : XXXX XXXX  XX/XX/XXXX Bank Credit Cards : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Bank Credit Cards : XXXX XXXX XXXX XXXXXX/XX/XXXX Bank Credit Cards : XXXX XXXX XXXXXX/XX/XXXX Bank XXXX Cards : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, Used : XXXX XXXX XX/XX/XXXX XXXX Dealers, New : XXXX TV XX/XX/XXXX Credit Cards Issued By XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Used : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX Credit Card : XXXX XXXX XXXX XXXXXX/XX/XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Auto Dealers, New : XXXX XXXXXX/XX/XXXX Tenant Screeners : XXXX XX/XX/XXXX Personal XXXX Companies : XXXX XX/XX/XXXX Credit Bureau/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Auto Dealers, Used : XXXX OF XXXX XX/XX/XXXX Auto Dealers, New : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I Tried to contact my lender in order to get a forebearance on my payments. They had a machine and said that to contact via email. I did that and have not received anything from them.
Product: Checking or savings account

On Saturday XXXX XXXX at XXXX XXXX a Check was A check was deposited for {$2800.00} a receipt came out and said please contact your financial institution from the ATM machine in XXXX NY without any further explanation from Citizens Bank nor any other employees the check is missing and not credited properly to the account. 


On XXXX XXXX : Then on XX/XX/2021, all of our utilities were do water bill electric bill Wi-Fi bill which is cable roughly $ XXXXWe pay all of are utilities in one package and now they are all late! {$75.00} late payment fee! 

so far, it's XX/XX/2021 and the check is still not in the account we've been getting the runaround several phone calls have you even talked to the manager at the bank at XXXX Citizens Bank which is located just South of XXXX NY absolutely nobody 's done the darn thing! 
My company name is XXXX XXXX XXXX edit My Profile Last logged in on XX/XX/2021 at XXXX XXXX 

Made another Phone call on XXXX XXXX and they said sorry we can not do a thong! 
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Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( s ) # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Product: Bank account or service

my original bank was bought out by XXXX, no problems, Then BB & T bought out XXXX, Then the problems started, my original contract on my Line of credit overdraft protection, both other banks honered my original contract, If i over drew I would pay no fees, id pay back {$50.00} plus a few dollars interest, BB & T is chargeing me {$3600.00} dollars everytime, sometimes $ XXXX.I was never told this or was given any paperwork stateing such fees would be charged or incurred. 
I am a XXXX on fixed income, They have made my credit line max out from these fees, so now they are running up take started out as {$35000.00} missing out of my account, each month, Then it went up to {$750.00} missing out of my account, it is having a snow ball effect on my income. I cant afford my Morgage threw XXXX second morgage threw BB & T, in which that Home Equity was taken out in 2006 with the Original bank XXXX, Now I cant afford Food, I am going to loose my car, My home, and not be able to put food in my stomach. 
This is illegal practices and XXXX Abuse, I am asking you for your help in rectifing this matter, I am asking you to have them put ever fee they have charged me since they took over my bank from day one to present, If not I will be taking legal action against them and you if need be, Until all those fees are put back in my bank account, You are here for the consumer from fraudulent practices, and are paid by me and many taxpayers, we the consumer and the tax payers bailed the banks out for issueing undocumented loans fraudulant activities to begin with, now this is another scam by the banking industry to become predators against those same taxpayers that bailed them out, If I have to Right my Mayor, my congressman my senators and my President Donald J. Trump, if said money is not put back in my account, Looking forward to your help and cooperation in this matter,. 

Yours truly XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Home XXXX Cell XXXX BB & T bank is located XXXX XXXX XXXX XXXX NJ XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX RE : Formal Notice of Identity Theft XXXX XXXX To Whom It May Concern : I am writing to you in my professional capacity as counsel for XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, Florida, XXXX. My client has been the victim of identity theft, resulting in fraudulent activity and unauthorized use of her personal information. The relevant details of her identity are as follows : Date of Birth : XX/XX/year> Last Four Digits of Social Security Number : XXXX Attached to this correspondence is a copy of the identity theft report filed by XXXX XXXX, along with supporting documentation. This report details fraudulent accounts and/or transactions created in her name without her authorization. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) and other applicable state and federal laws, I demand that XXXX XXXX  take the following actions without delay : XXXX. Investigate and resolve all fraudulent activity associated with XXXX XXXX personal information, including any unauthorized accounts or transactions. 
XXXX. Provide written confirmation that all fraudulent accounts or transactions have been permanently removed from your records and cease any collection or reporting of such information to consumer reporting agencies. 
XXXX. Disclose the results of your investigation to my office, including specific details of your findings and all actions taken. 

Failure to comply with these demands may constitute a violation of the FCRA and other consumer protection laws. Such violations will expose XXXX XXXX  to legal liability, including compensatory damages, statutory penalties, and attorneys fees. 

If additional information or documentation is required to expedite your investigation, please contact me directly at the information listed above. Please note that all future correspondence regarding this matter must be directed to my office.

Time is of the essence in addressing this issue. I expect a written response within 14 calendar days from the receipt of this letter, confirming the steps taken to rectify this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Supporting Documentation
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I was told two times that an account that I did not open was not fraud. I never lived at the address on the account, and Capital One will not remove this from my credit. It says I have a balance, and the only reason i saw the charge was because I just opened a new account with them and when i signed in i seen the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I never opened an account with these these companies possible finance and major finance account was opened fraudulent i reported to credit bureau i even sent in police report showing i was a victim of fraud i sent in police report to XXXX and this my second attempt t to get the fraud account remove
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, ( Account Name - Account Number ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose.
Product: Credit reporting or other personal consumer reports

As per the Illinois Collection Agency Act, all collection agencies conducting business in Illinois must hold a valid license to operate in the state. I sent proof to XXXX that XXXX XXXX does not have the proper license to collect in the state of illinois, and should remove this from my credit. 

I asked XXXX to respectfully remove creditone llc from my credit report until the collection agency 's licensing status are verified. I also asked for documentation to support the validation of this debt and the authorization of the collection agency to operate in Illinois. XXXX has failed to provide me this information, as well as removing creditone llc from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/202XXXX XXXX XXXXXX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Due to non compliance per 15 US code 1681 0 Im opening up a complaint. After multiple attempts to get incorrect and or invalid information off of my report, its resulted in this complaint. Theyve been negligent and non complaint.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

So many times of fraud charges to my old checking account, which caused problems to all my loan payments and time consuming to close and open new accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense XXXX XXXX XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXX ( Account # XXXX ) is reported opened on Experian XX/XX/XXXX & reported open on XXXX XX/XX/XXXX. 
Experian reports Date Last Active : XX/XX/XXXX & XXXX reports Date Last Active : XX/XX/XXXX. Reporting INACCURATE information. 

After requesting a reinvestigation XXXX REMOVED this account from my file. I have attached the removal notice from XXXX to this complaint. 

XXXX  reinvestigation came back ( XX/XX/XXXX ) stating Date Updated, Date Closed, Rating, HISTORICAL ( SEE ATTACHED Documentation ). XXXX XXXX Experian is still reporting Last Payment Made XX/XX/XXXX yet the Payment HISTORY/Summary shows REPOSSESSION consistently fromXXXX CLEARLY INACCURATE! 

I researched inaccurate credit reporting by XXXX via the CFPB and came across a Consent Order. Ive attached the documentation to this complaint. 

Experian XXXX XXXX failed to investigate this account properly after I repeatedly asked to have the account updated. This inaccurate information falsely manipulates the statutes of limitation. Your neglect has once again violated my consumer rights. I am demanding a DELETION of this account XXXX formerly XXXX, Account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the 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 XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy. 

15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE BROKE INTO MY CAR WHILE I WAS AT A CONVENTION IN TEXAS WITH A GROUP FROM XXXX, MISSOURI. I BELIEVE IT WAS SOMEONE FROM THE GROUP BRCAUSE OF THE LOCATION OF THE ACCOUNTS. THEY ACUIRED A BANKRUPTCY IN MY NAME, IT WAS DISCHARGED,  BUT IT IS STILL NOT MINE, ITS REPORTING ON MY XXXX  CREDIT REPORT. THEY GOT VEHICLES IN MY NAME ALONG WITH STUDENT LOANS. IT IS EVIDENT THEY HAVE BEEN DOING THIS FOR A WHILE, I DIDNT FIND OUT UNTIL A COMPANY PULLED MY CREDIT, I RARELY CHECK MY CREDIT REPORT.THE FOLLOWING COMPANIES WERE FRAUDULENTLY OPENED IN MY NAME : ALLY FINANCIAL # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX  # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX/MISSOURI STUDENT LOANS # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX/MISSOURI/ STUDENT LOANS OPENED : XX/XX/XXXX XXXX. XXXX XXXX/ XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX  XXXX SERVICING OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX   OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX CHAPTER XXXX BAMKRUPTCY REFERENBSSCE # XXXX DATE FILED : XX/XX/XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENT OPENED IN MY NAME : US SM BUS ADMIN XX/XX/XXXX XXXX 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, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I requested {$400.00} from Dave, Inc on XX/XX/2023 and received notice from Dave that the funds were credited to my account. The funds never credited and 2 weeks later, the {$400.00} was debited by Dave. I placed a claim with my bank and 2 weeks later they determined they are not at fault and to place a claim with Dave. I placed several claims with Dave and each time they reported they are not at fault and to reach out to my bank. Im inclined to believe Dave, Inc is at fault because this transaction was different because this time I chose to forego the processing fee which is added if you use your debit card and instead I chose to transfer to my bank account which will process the transaction within 2-3 business days. I showed them screenshots of my bank account showing I never received the credit and each time they point towards the courtesy credit that XXXX lent me during the claims process. XXXX took back their money which Dave support somehow can not see. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX 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: Debt collection

To let you know I have never owned the amount of {$12000.00} on or after the date XX/XX/2022 its a fake report. 
Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts, names, and addresses as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received letters from XXXX XXXX XXXX XXXX ( Indiana ) in XXXX and XXXX stating that I owe a debt in the amount of {$3900.00}. I disputed the debt in XXXX and XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX filed suit in Indiana XXXX Court. XXXX XXXX, there was a hearing I denied the debt. I asked for XXXX and found out that XXXX and XXXX ( Not Located in Indiana ) are actually suing me. AT NO TIME did XXXX XXXX XXXX XXXX make it known that they are representing XXXX. XXXX of the documents from XXXX XXXX XXXX XXXX, states the client is XXXX XXXX XXXX and the Original Creditor is Discover Bank. Another document from XXXX XXXX of Discover Bank dated XXXX XXXX, XXXX states " findings were forward to Attorney XXXX XXXX XXXX. Never once has any of Discover Bank 's documents listed XXXX XXXX XXXX XXXX as the attorney. I requested " terms and agreement, '' contract between XXXX XXXX XXXX XXXX and Discover Bank, contract between XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and between Discover Bank and XXXX XXXX XXXX. I have not received any documents giving XXXX XXXX XXXX XXXX or XXXX XXXX XXXX the legal right to sue me. There is no contract, terms and agreement, no credit card statements for XXXX, XXXX and XXXX they ca n't provide me with any proof of transactions XXXX, XXXX, and XXXX. XXXX XXXX XXXX XXXX FAILED to name all necessary party and misrepresentation. I do not know who the real lawyer is and feel it is illegal practice.
Product: Credit reporting or other personal consumer reports

I wrote all three bureaus and call each company that's reporting inaccurate information, I asked that the items be investigated and updated.There are things still on my reports. I have Know Knowledge of the Closed accounts, Hard inquiries, and Collections that I don't recognize. Please REMOVE all derogatory remarks