23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or about XX/XX/2016. I received a letter from Seterus, Inc informing me that my property taxes are delinquent and need to be paid by me. In previous years Seterus has been paying property taxes on my behalf through XXXX. So far I have called Seterus and XXXX to assist me and no one was able to explain to me why the property taxes had not been paid even though there is an escrow on my account. The individuals I spoke with could not find any documentation that any type of communication had been sent to me. I have not received any communication that I would be responsible for my own property taxes, nor any communication on the status or changes in the escrow account. I have filed a complaint in recent months about Seterus and their claim that I was behind in my mortgage payments which has since been resolved. At this point I would like to file a formal complaint that Seterus is not properly maintaining my records as it pertains to my account.
Product: Debt collection

ON XX/XX/XXXX I REQUESTED Please delete this account for violation because date last of active has been illegally re-aged and shows three different dates across XXXX, XXXX, XXXX. Please delete lts ' this account for inaccuracy because the account status say paid but the payment says collection. please do not correct but remove this account. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately THIS CREDITOR HAS ILLEGALLY REAGED MY CREDIT REPORT ON XXXX AND XXXX BY ONE YEAR!!!! THIS IS A FCRA VIOLATION. THE CREDITOR NEVER UPDATED OR SENT THE RESULTS OF THE INVESTIGATION. I PAID THIS ACCOUNT AND THE CREDITOR STATED THEY OULD PAY TO DELETE!!!! PLEASE REMOVE THIS ACCOUNT FOR VIOLATIONS I HAVE SUBMITED SEVERAL LETTERS NO REPSONSE FROM THE CREDITOR OR BUREAU ON XX/XX/XXXX I REQUESTED I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the others names and address that appear on my credit report is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

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

OnXX/XX/XXXX Delivery Certified Mail Tracking # XXXX was signed by a Kohl 's representative and as of today XX/XX/XXXX ( 31 days ) they have failed to mark my credit report as being disputed which is a validation of federal and state laws AND they also failed to send me any information regarding this matter. See attached for proof of certified letter as well as my credit report pulled on day 31.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX # XXXX, I do not have a contract with southwest XXXX XXXX XXXX XXXX and they did not provide with the original contract.
Product: Credit reporting or other personal consumer reports

I have communicated with these companies on multiple occasions in regard to the accounts listed and I have been ignored, so I was informed that I should contact the CFPB to file a complaint that my right to privacy has been violated. 
According to the Fair Credit Reporting Act, 15usc 1681 ( a ) ( 4 ) the consumer reporting agencies are to exercise their responsibility with fairness and respect a consumers right to privacy.

Pursuant 15usc 1681 ( b ) the consumer reporting agencies are required to adopt reasonable procedures to meet the needs of commerce for consumer credit, in a manner which is fair and equitable to the consumer, regarding confidentiality of information. Also, The Privacy Act of 1974, as amended, 5usc 552a prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report due to the fact that I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the removal of these accounts and inquiries as they were impacted by the breach. 
Affected Accounts : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$34000.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$470.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XXXX XXXX, XXXX - {$630.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$240.00} XXXX. XXXX XXXX - XXXX - XXXX XXXX, XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. SXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XXXX XXXX, XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3200.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$3200.00} Affected Inquiries : XXXX. 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Consumer Name : XXXX XXXX Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at 1.XX/XX/XXXX{$15000.00} an auto loan account opened at 2XXXX XXXX {$13000.00}, and a collection account opened at 3.XX/XX/XXXX on XX/XX/year> with a balance of {$710.00} that appears related to the aforementioned Fraudulent accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I have had a home mortgage with Chase for many years, and have always paid on time. Then around XXXX this year Chase informed me that I had missed a payment, so I called them and discussed it, and learned that they were saying a payment I made was " returned. '' This turned out to be check # XXXX dated XX/XX/2022, for my XX/XX/XXXX rental payment in the amount of {$1000.00}, and I found out from my bank that this was debited by Chase on XX/XX/2022 in that amount. I explained this to Chase and thought it was settled, but then Chase started double-billing me. So I spoke with them again around XXXX and at length in XXXX or early XXXX. On XXXX XXXX, 2022 Chase sent me the bill due XXXX XXXX for {$1000.00}, but then on XXXX XXXX sent me a bill for {$2100.00} due on XXXX XXXX. I kept paying the {$1000.00} for XXXX, XXXX and XXXX, but I was sent another bill by Chase on XXXX XXXX saying I had to pay {$2200.00} by XXXX XXXX, so they were double- billing me again and adding late charges. Finally on XX/XX/2022 Chase sent me a letter admitting their error, writing : " On XX/XX/2022, we received your check for {$1000.00}, which we applied to your account as your XX/XX/2022 payment. We applied these funds effective XX/XX/2022 '' -- but the truth is Chase received this check on XX/XX/XXXX. Even though I was always up to date, on XX/XX/2022 I received an e-mail from Chase saying my " payment is past due. ''
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Product: Vehicle loan or lease

I fell behind on my payments, and my car was repossessed on XX/XX/XXXX. I got paid on the XXXX, and my representative set the payment date for the XXXX. I paid via XXXX and called with my number. I was placed on a 10 minute hold while the release was completed. I was told that it was done, and that stops my car from going to auction. I would just have to pay the storage fees. The lot was closed on the XXXX, and my car was sent to auction on the XXXX. That is 2 days after I paid. So now I am being charged at {$200.00} transportation fee and drive 2 hours to get my car. The supervisor XXXX told me that it was my fault because I should have picked the car up on XX/XX/XXXX ( XXXX XXXX 's XXXX ). They hire a 3rd party XXXX XXXX XXXX, but XXXX XXXX has my vehicle. I was told to contact XXXX XXXX XXXX, but they were closed on XXXX XXXX XXXX XXXX. I was never told to contact XXXX XXXX, but she told me that it wasn't her problem. 

I would give the representatives 5 stars. They have all been easy to understand, and very helpful. The supervisors on the other hand are extremely unprofessional. Initially I spoke to XXXX ( employee ID )  XXXX who is a senior representative. He told me that I was not going to get what I requested. I was then transferred to XXXX ( customer ID XXXX ) who is a supervisor, and I have never experienced such unprofessionalism. She was : 1 ) defensive from the start of the call 2 ) interrupted me and spoke over me 3 ) gave inconsistent information and kept changing her story 4 ) Gave me the name of the CEO that she had to XXXX to find. When I asked for the number, she told me that I could XXXX it myself because that is not her job. 
5 ) Told me that upper management wasn't available and gone, but 30 minutes later that their management leaves in 2 minutes. 
6 ) I verified the spelling of her name, she told me that she already spelled it. Her name is XXXX which is not a common name, so I had every right to make sure that I wrote it down correctly when I send my complaint. 
7 ) She told me that I told ths representative that I have to wait for my paycheck to be sent in the mail. I told her that I get direct deposit because my employer doesn't send paycheck. She told me that I was lying and she listened to the call. 

XXXX has no business being a supervisor and representing your company. She is representing American Credit Acceptance, so her actions make your company look horrible. I worked in customer service for 9 years, and a customer should never be talked to the way I was. XXXX needs to be demoted and be retrained on her customer service skills. The same goes for XXXX who is the senior representative. Also, the CEO XXXX XXXX should be offended that his employee in a management position doesn't know his name and had to XXXX it. 

I will be emailing a formal complaint to American Credit Acceptance, and already have the email address. I hope that the corporate office listens to our recorded call to hear how she speaks to customers. 

I can be reached at XXXX and/or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, NY XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$910.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX : {$190.00} 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This the situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX XXXX XXXX Account Number:XXXX  Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I SENT XXXX LETTERS TO XXXX, EQUIFAX AND XXXX. THEY HAVE NOT RESPONED TO REMOVE ANY OF THE ADDRESSES. IT HAS BEEN OVER 60 DAYS AND I NEED THEM TO REMOVE THE INFORMATION ASAP INSTEAD OF SENDING ME A CREDIT REPORT OR I WILL GET MY LAWYER INVOLVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used Credit Karma thinking it was going to give me correct info to apply to credit cards. But I was denied credit after they said I was pre approved.