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

I have been going over my credit report trying to refinance my home. I noticed accounts that I have never done business with and I do not have a contract for business with. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am not sure who is using my name I use to live in XXXX I now live back to XXXX.
Product: Vehicle loan or lease

XX/XX/2014 {$18000.00} This account is an result of identity theft. I have no knowledge of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30days. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have been on the phone relentlessly over the last year with your customer service representatives in regard to unfair, and fraudulent account reporting on my personal credit report. Your representatives mentioned due to a lack of staff that they are working on fixing and permanently removing this from my credit report. It's now been over 4-6 months this negative entry continues to report on my credit report and it's causing me to get denied of credit in multiple locations. Not only this account is fraudulent, but it continues to report on my credit report with multiple inaccuracies, incomplete information, and inconsistencies with Dates of last active, dates of last reported, dates of 1st delinquencies, etc. It's my understanding from reading online that under the provisions of consumer law FCRA, once an account is reporting in charge-off status, it can not continue to report late or past due or c/o status. Plus why it only start reporting 120 days 3x times? What happened to 30/60/90++++ days late? this is fraudulent and inaccurate and in violation of my consumer law and breach of my privacy. It's also unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Capital One Bank calls my home throughout the day because I missed XXXX payment on the card. I have income during the next several weeks to make payment. I do not appreciate their obnoxious attitude.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate and unverifiable information and has effected my lively hood. Because of this I have been denied jobs, housing and credit lines. Below I have attached a screen shot of the accounts that are inaccurately reporting per consumer protection law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two a go, I ran my annual credit report and found that there was an unauthorized credit card applied and obtained. I have already notified credit card institution about this. Since then, I froze my credit on all three credit reporting agencies. 
I am trying to dispute credit inquiry and dispute incorrect address and credit card delinquency on my Experian report. When I try to do it via online, it tells me to call their number, XXXX. When I call that number, I get two options, about paid membership and how to get that. No option for dispute specialist. When I XXXX their contact number, XXXX, from their website as well. When I call that new number, I get the exact same prompt. I am stuck at a point where I can not dispute it online or get anyone on the phone. I sent a twitter to them, they don't response from there either. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am puzzled why these accounts show up on my credit report out of nowhere..It must be that someone use my identity..The account XXXX XXXX XXXX was fraudulently opened in my name..I did not make the charges..I am requesting that the item be blocked to correct my credit report ...
Product: Credit reporting or other personal consumer reports

I have reached out to TransUnion and XXXX numerous times to report fraud is with theft and that inquires made on my credit report have been made fraudulently but neither company has removed the inquiries causing financial hard ship and endangering my livelihood
Product: Credit reporting or other personal consumer reports

XXXX XXXX, further known as Consumer, rights to privacy under FCRA are being violated by Transunion where financial institution failed to provide an opportunity before the time that such information was initially disclosed. Consumer was never given an opportunity to not disclose non public information to a third party ( Transunion in this case ) nor explanation of how consumer can exercise nondisclosure option. 

FCRA 15 USC 6802 : ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Consumer rights to privacy were violated under FCRA 15 USC 6802 where consumer was never notified/contacted and thus never gave consent to allow third party ( TRANSUNION ) to report my non public information on consumer report. 

The financial institutions with account numbers are listed below : XXXX XXXX XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX acct # XXXXXXXX XXXX acct # XXXX Consumer demands that these violations be deleted immediately from TRANSUNION consumer report where notification and consent was never given to allow third party ( TRANSUNION ) to disclose this non public information or consumer will have the right to pursue financial damages under law.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions. '' Under 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 late for any purpose. 
Please update the following accounts as paid, never late.
Product: Mortgage

Under the Federal Government Cares Act, I applied for Forbearance in XX/XX/XXXX & as per the regulation all missed payments must be added to the back of the loan & due to the fact I have an FHA loan The regulation requires that I am entitled to yet another year extension, My Servicer has insisted that they will not honor the comply with the Cares Act requirement & they sent me a demand payment request to pay them the sum of XXXX, Which is a total violation & They have sent me threatening letters, They came to my home & posted Notices on my front door, My Forbearance must end XX/XX/XXXX because my loan is an FHA loan
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts on my credit report that resulted from a recent data breach compromising my personal information. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of the following accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I put in a complaint in XXXX for the wrong information being reported the company XXXX XXXX acknowledged that the information being reported was wrong and agreed to fix the error which was reporting a charged off account that wasnt charged off. Its been 30 days and the same information is being reported. These are serious damages for me.
Product: Checking or savings account

My parents had a trust account with Wells Fargo, and after they passed away my sister and I were trustees on the account. All documentation was given to Wells Fargo and we were able to deposit and withdraw money with no problem. The account was eventually closed, and Wells Fargo sent me an interest check for XXXX dollars. I tried to cash the check at Wells Fargo and they denied it. The check was written in the trusts name. Wells Fargo stated that the check needed to be written in my name. I called the company and had the check re-issued but they still put it in the trust name. I have contacted numerous different officials and also have a customer service rep that will not return my calls. Therefore they have my money and they will not give it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER SPEAKING WITH MY CREDIT UNION REGARDING A FINANCE OPPORTUNITY IT WAS BROUGHT TO MY ATTENTION THAT THERE WAS A FRAUDULENT ACCOUNT WITH XXXX  XXXX LISTED WITHIN MY EXPERIAN CREDIT REPORT THAT I DID NOT AUTHORIZE. I AM A VICTIM OF IDENTITY THEFT PER FCRA 605B, 15 U.S.C 1681c-2 THIS ACCOUNT WAS FRAUDULENTLY OPENED BY SOMEONE USING MY PERSONAL INFORMATION SUCH AS SOCIAL SECURITY NUMBER AND DATE OF BIRTH WITHOUT MY CONSENT. I submitted XXXX XXXX police report and federal trade commission report to Experian and XXXX and they both refused to follow the FCRA guidelines.
Product: Checking or savings account

I've tried opening an online account with XXXXXXXX XXXX and they keep denying it. I chatted with them and they said to very that everything is in order with XXXX ... ..I did. They still won't open the account.
Product: Debt collection

I received a letter dated " XX/XX/XXXX '' ( XXXXXXXX XXXX  ) stating that a company, Credit Collection Services, is " trying to collect a debt that you owe to XXXX, XXXX, ( FORMERLY XXXX XXXX XXXX  ) ''. I have never conducted any business with " CCS '' ( Credit Collection Services ). After conducting my own, independent research with the Secretary of the XXXX of Massachusetts, I have discovered the following : " no records found '' for XXXX, XXXX ; " no records found '' for XXXX XXXX XXXX XXXX " Articles of Voluntary Dissolution '' dated " XX/XX/XXXX '' for CREDIT COLLECTION SERVICES. With these findings, the Secretary of the XXXX of Massachusetts, XXXX XXXX XXXX, is DIRECTLY stating to these entities that they LEGALLY are NOT able to conduct ANY business in the XXXX of Massachusetts.
Product: Money transfer, virtual currency, or money service

Hello,

On XX/XX/XXXX, I sent a wire transfer to Coinbase to the amount of $XXXX. A day later, Coinbase responded by saying the name of the wire did not match my account information, and thus they needed to reverse the wire. That email was sent on the XX/XX/XXXX, and they confirmed that the wire would be reversed in roughly 7 business days. It has now been 16 days since that email, and the funds have not shown up in our account. We have tried contacting support multiple times, and we have supplied them with relevant information regarding the wire.Warm Regards,XXXX
Product: Debt collection

This debt has been paid in full but is still on my credit report which needs to be updated to good standing and collection deleted off my report! My approval code given is # XXXX
Product: Debt collection

In XXXX, I bought a second-hand car in the state of XXXX, this car had a manufacturing defect and abs problems, after a few months of observing the problem with the car I wanted to return it to the dealer but they told me that I could no longer do nothing and they treated me in a threatening manner. In less than six months this car presented an imperfect that I had to pay with more than {$3500.00} ( I have proof ), in XXXX I moved to the state of XXXX  where I had an accident ( it was not my fault ), and the car presented again problems with the abs. I decided to return it and explain to XXXX XXXX that I can't afford the repair or pay for it and it's not safe for my life. 

In XXXX I received a letter from the XXXX Carls Brugnoli Law Office. They sent me an appointment to court where I attended. I indicated the situation there. I had no further communication. This week I received a letter from this lawyer indicating that he had copies of my arrest papers, but if he did not call him to discuss the debt. 

This situation is worrying since I am a person with medical problems and I pay for my health and this person causes me physical and mental damage.
Product: Consumer Loan

On XXXX XXXX, 2016 I contacted XXXX XXXX XXXX to purchase a 2016 XXXX XXXX Pickup Truck. The Finance Manager that took my credit application was XXXX XXXX. ( See Attached E-Mail with Information ) I told Finance Manager up front that I was a Victim of Identity Theft, had a 7 year Extended Fraud Alert on my Credit Bureau Reports, and no loan could be considered until I was personally contacted by any lenders. On XXXX XXXX, 2016 XXXX XXXX confirmed my Financing was approved from lender XXXX. I took delivery of vehicle on XXXX XXXX, 2016. On XXXX XXXX, 2016 I received an Adverse Action Credit Notice from Gateway One Lending & Finance for a " Credit Denial ''. I was completely unaware they were a Lender that XXXX XXXX XXXX sent my Credit Application for consideration. I was NEVER contacted by a Gateway One Lending & Finance Loan Officer, and I was NEVER offered any credit under other terms from Gateway One Lending & Finance. I was contacted by ( 2 ) other lenders for my Credit Application. Both followed the rules pertaining to my 7 year Extended Fraud Alert on my Credit Bureau Reports with ( XXXX ) Major Credit Bureaus XXXX, XXXX, and XXXX. Neither of the other ( XXXX ) Lenders issued an Adverse Action Credit Notice. Gateway One Lending issued an Adverse Action Notice without compliance with Federal Law pertaining to the Federal Credit Opportunity Act.
Product: Credit card or prepaid card

AMERICAN EXPRESS APPARENTLY ENGAGES IN BAIT AND SWITCH PRACTICES WHEN ISSUING CREDIT CARDS. I APPLIED FOR AN AMERICAN EXPRESS PLATINUM CARD AND RECEIVED AN EMAIL NOTICE THAT A DELTA SKY MILES CARD WAS BEING SENT TO ME. I CALLED AND SAID I DID NOT WANT A DELTA SKY MILES CARD AND INSTRUCTED THEM TO TAKE ME OUT OF THEIR SYSTEM AND TO NOT ISSUE A SKY MILES CARD. THEY INSISTED THEY COULD NOT TAKE ME OUT OF THEIR SYSTEM. I FIRST SPOKE TO SOMEONE NAMED XXXX I THINK. SHE TOLD ME I WOULD HAVE TO WAIT UNTIL THE CARD WAS ISSUED AND THEN CALL TOMORROW TO CANCEL IT. I TOLD HER THAT WAS NOT ACCEPTABLE, THAT I SHOULD NOT HAVE TO CANCEL A CARD THAT I NEVER APPLIED FOR, THAT IT WAS ILLEGAL FOR A COMPANY TO ISSUE A CARD THAT WASNT APPLIED FOR. I SAID I WANTED TO SPEAK TO A SUPERVISOR. SHE SAID I COULD NOT BUT FINALLY SENT ME TO SOMEONE NAMED XXXX, WHO SAID HE WAS AN ACCOUNT SUPERVISOR, ID # XXXX. HE REPEATED THE SAME STORY AND I TOLD HIM I WANTED TO SPEAK TO THE LEGAL DEPARTMENT. HE SAID WE DO NOT HAVE A LEGAL DEPARTMENT. I SAID I DID NOT BELIEVE THAT. HE SENT ME TO ACCOUNT MANAGER XXXX, ID # XXXX, WHO SAID SHE COULD NOT CONNECT ME TO THE LEGAL DEPARTMENT. I THEN SAID I WANTED TO SPEAK TO THE FRAUD DEPARTMENT AND SHE SENT ME TO A MAN NAMED XXXX, WHO REFUSED TO GIVE ME A FULL NAME AND WHO SAID HE DID NOT HAVE AN ID #. HE SAID I SHOULD TALK TO THE NEW ACCOUNTS FRAUD DEPARTMENT. I ASKED HIM TO TRANSFER ME AND HE SENT MY CALL TO THE MAIN NUMBER WHICH OFFERED THE SAME PROMPTS THAT A NEW CALLER WOULD HAVE TO SELECT FROM. I BELIEVE IT IS FRAUDULENT FOR A COMPANY TO ISSUE YOU A CREDIT CARD YOU DID NOT APPLY FOR. IF IT ISNT IT SHOULD BE. I APPLIED FOR A PLATINUM CARD. IF THEY DID NOT WANT TO GIVE ME ONE THEY SHOULD HAVE JUST TURNED ME DOWN. INSTEAD THEY SAID THEY WERE GOING TO SEND A DELTA SKY MILES CARD WHICH I DIDNT APPLY FOR AND DIDNT WANT, AND THEN SAID THAT I WOULD HAVE TO WAIT UNTIL IT WAS ISSUED AND CANCEL IT, WHICH OF COURSE WOULD AFFECT MY CREDIT RATING. THE EMAIL THAT WAS SENT TO ME HAD A LINK TO LOOK AT THE RESULTS OF MY APPLICATION. WHEN I CLICKED THE LINK IT SAID A DELTA SKY MILES CARD WOULD ARRIVE IN THE NEXT FEW DAYS. IT ALSO NOTED THE PLATINUM CARD APPLICATION HAD BEEN CANCELLED. I WONDER HOW MANY CREDIT CARDS ARE BEING ISSUED THAT PEOPLE HAVE NOT APPLIED FOR, AND I WONDER IF AMERICAN EXPRESS IS DOING THIS BECAUSE IT REALIZES THAT THERE ARE FEW PENALTIES FOR CORPORATIONS THAT ILLEGALLY CREATE CONSUMER ACCOUNTS. XXXX XXXX COMES TO MIND.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these accounts which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I filed for bankruptcy in 2021 and my student loans were a part of my bankruptcy. My case has since been resolved and the student loans were suppose to be taken off. Here it is almost XXXX  years later and they are still showing up. It is still showing up on my credit report. This is for all three credit reports. How can I get this resolved.
Product: Credit reporting, credit repair services, 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 as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$100.00}
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a pressing matter regarding the inaccuracies on my credit report. Despite submitting the XXXX  XXXX bankruptcy discharge documents to your company, I have noticed that my credit report has not been updated accordingly. This oversight has had a significant impact on my financial standing and has hindered my ability to move forward. 

It appears that a thorough investigation was not conducted on my request, as the following accounts have not been reported accurately : XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX  XXXXXXXX XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX XXXX  # XXXX. These errors have caused undue stress and hardship, as I am unable to obtain a fresh start due to the misleading information on my credit report. 

I implore you to rectify these inaccuracies promptly and update my credit report with the correct information. It is essential that the discharged debt is reflected accurately to ensure fairness and transparency in the reporting process. 

I trust that you will address this matter with urgency and professionalism. Your prompt attention to this issue is greatly appreciated.