23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, citing systemic violations, including : *Failure to forward consumer-provided evidence to furnishers *Acceptance of unreliable responses from data furnishers *Inadequate notification to consumers regarding dispute outcomes These violations mirror my own experience. Despite providing clear evidence, Experian has refused to correct or remove the disputed accounts, causing direct and ongoing harm to my credit standing. This failure to comply with federal law is unacceptable. 
I am demanding the immediate deletion of all disputed accounts that Experian has failed to properly investigate in accordance with the FCRA. If corrective action is not taken promptly, I will explore all available legal remedies. 

I am also I am filing a formal complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours, claiming the disputed account is accurate without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct a reasonable reinvestigation of disputed information. Additionally, Equifax actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as reflected in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against Equifax for similar misconduct .

I request that the CFPB take immediate action to ensure Equifax complies with federal law and provides consumers with verifiable proof that disputes are being properly investigated. Their current practice undermines consumer rights and allows inaccurate reporting to persist unchecked.
Product: Payday loan, title loan, or personal loan

I have had this account since XX/XX/XXXX. I am 100 % on time and paying ahead. 
On XX/XX/XXXX, Lending Club cash an extra ( two day passed the regular payment being received ) payment with a memo " apply to principal only ''. However, the company took interest. On XX/XX/XXXX, I requested they correct their error. To date they have not and are accruing interest on an incorrect balance. 
Now, I am prepared to payoff the loan and have advise them of this ; they refuse fix the mistake and reverse interest accrued in error.
Product: Credit card or prepaid card

I had a XXXX XXXX XXXX credit account through synchrony bank, which I paid faithfully, never missing a payment, even during 7 MONTHS OF UNEMPLOYMENT, stemming from a work related injury. XX/XX/XXXX I paid the account in full, and was abruptly informed that my account was being closed BY THE COMPANY, due to a low credit score. I am outraged that this is how people that truly try and pay their bills and better their credit get treated. XXXX XXXX would be ashamed. I would like my credit account reinstated as I am a faithful XXXX XXXX XXXX patron, and have repaid all credit extended to me. My credit score has also risen 45 points since the termination of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a long customer of credit karma and I keep getting told that I have been pre approved for a credit card but when I go to apply for the credit card that I have been pre-approved for I ultimately get denied and this is hurting my credit score and keeping me from buying a home or even repairing my credit score, I feel this is misleading and wrong and I have waisted a lot of time with credit karma and I would like to be compensated for my time I lost and my credit score being impacted.
Product: Mortgage

FRAUD  TOOK MY MONEY. THEY KNOW IT WAS A MISTAKE I MADE. THEY CANT SHOW A TRANSACTION I MADE TO THEM TWICE ON PURPOSE. THIS COMPANY IS BEING ALLOWED TO BE FRAUDULENT IN THEIR WAYS AND HOW THEY DEAL. THIS IS CRIMINAL. I WANT MY MONEY RETURNED NOW!!!!!!
Product: Credit reporting or other personal consumer reports

PERSONAL NOTE Dear consumer reporting agencies my name is XXXX XXXX XXXX an upstanding citizen of XXXX, XXXX being held back from getting a higher paying job and an apartment where I desire to due to false information on my credit report I noticed today XX/XX/XXXX I ask please to investigate and remove false items reporting on my credit. thank you Have a Good day ACCOUNT NAME : XXXX XXXX XXXX. 
ACCOUNT NUMBER : XXXX The current amount owed on the account. 
{$0.00} Balance updated Date the creditor last reported information about the account balance. 
XX/XX/XXXX The original amount owed on the account. 
{$5200.00} Date opened Indicates the date an account was opened. 
XXXX XXXX, XXXX Account type Closed. {$5200.00} written off. 
Status updated Date the creditor last reported information about the account payment status. 
XX/XX/XXXX The original amount owed on the account. 
{$5200.00} Last payment date XX/XX/XXXX Company Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number XXXX - 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) THESE XXXX LAWS SIMPLY STATE THAT ALL ITEMS ON YOUR CREDIT REPORT MUST BE XXXX ACCURATE AND IF AN INVESTIGATION IS DONE THAT CAN NOT PROVE AN ITEM ON YOUR REPORT IS ACCURATE IT MUST BE REMOVED
Product: Checking or savings account

On XX/XX/2020, I noticed two fraudulent charges on my checking account. I called PNC Bank in XXXX, PA and filed a complaint. I also called the company, XXXX XXXX, who couldn't even tell me what it was that I supposedly bought from them as I had not received anything at all nor had I ordered anything. Yesterday, XX/XX/2020, a representative that said she was with the fraud office, I was being given a XXXX XXXX for the whole amount of {$130.00}. After the investigation by PNC Bank, they found that in addition to the two {$39.00} on the XXXX of XXXX, PNC had found another three transactions dating back to XXXX of 2020, which was a total of {$52.00}. Instead of giving me the entire amount of {$130.00}, I was only given {$52.00}, which is still short leaving my account in the negative since the XXXX of XXXX. PNCs said they could only give me the first three and I would have to wait up to 90 days for the remainder of {$79.00}. 

My compliant is that the two charges of {$39.00} on XX/XX/2020, should have been paid as a Provisional amount first as it should not have gone through as it was charged on an account that was closed.
Product: Student loan

En el 2020 me llamaron de USA STUDENT DEBT RELIEF indicando que ya Mohela no iba a tener mi cuenta porque supuestamente estaban cometiendo fraude. Resulta que el USA STUDENT DEBT fueron los que me timaron. Les comenc a pagar supuestamente el prstamo y resulta que me estafaron . Hago la reclamacin para que puedan ayudarme para los pasos a seguir.
Product: Debt collection

I was informed back in XXXX of XXXX that I had a debt being sought out to be paid XXXX XXXX. They claimed they were collecting on behalf of XXXX XXXX XXXX on a balance for {$90.00}. The account number I was given was # XXXX. At this time I disputed the information. It came back that they did agree to my dispute, deleted the information from all 3 of the credit bureaus and it was gone. Then I recently became aware that a new agency by the name of XXXX with a new account number listed under XXXX. I disputed this as well and it fell off of 2 of my credit reports but they have not removed the information from XXXX. I have sent debt validation letters back on XXXX/XXXX/XXXX to see if they would indeed verify this account but that has yet to be done. I am requesting to have this information promptly removed from my credit file as it is damaging and in my opinion fraudulent.
Product: Credit card

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CAR CAREONE/ SYNCHRONY BANK XXXX XXXX XXXX XXXX XXXX FL XXXX Dear SYNCHRONY BANK, SSN # XXXX Account Number Ending XXXX Why does your hard inquiry ( XXXX XXXX, XXXX and XXXX hard inquiry on XXXX XXXX XXXX ) appear on my XXXX XXXX credit report. ( XXXX credit monitoring inquiry report attached ) Are n't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act? 
Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a thorough investigation and I have numerous items on my credit report from Experian and it's false. ( Items below ) I ATTACHED a picture of my recent utility bill to prove my actual address. 

Addresses XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX TWICE XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX LONGER XXXX THERE/ NOT MINE XXXX XXXX XXXX XXXX XXXX, PA XXXX NOT MY XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX NOT MY ADDRESS
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I had submitted an extended equifax data breach settlement claim that included 9 pages of information that I had continued to gather when time permitted. I had identity theft for my XXXX income taxes and someone filed my taxes under my name and received my refund. This was a whole long process to go through with countless hours of verifying my identity with the IRS via phone calls and letters from the IRS. Problems with trying to unfreeze my credit with XXXX and Equifax when applying for a mortgage. In XXXX of XXXX I was scammed out of {$5000.00} from my checking account due to a credit repair company who I had given my information to not knowing it was a scam. The bank did not reimburse me. Most of the transactions were in XXXX the bank told me. My total losses were {$9200.00} which included time spent and the money I was scammed out of my bank account. I had attached all of this information to my equifax claim so it was easy to understand. Equifax had sent me a {$14.00} check two different times when I had started my claim in XXXX due to inaccuracies on my report, but I was not finished with my claim. It took me a long time. The only response from Equifax is them emailing me saying I would have to prove it was from the equifax data breach and they will happily reissue my check for {$14.00}. My name is under the search bar on equifax site showing I was part of the breach. 

I would sincerely appreciate any help you can assist me with regarding this matter. Feel free to contact me if you have any questions. 

Thank you.
Product: Mortgage

XXXX/XXXX/2015 Complaint XXXX Follow-up : Dear Vice-President, I received your letter informing me your offices were trying to contact me regarding my complaint to the Consumer Protection Services about my Loan Modification. 
I disagree with Wellsfargo because my loan Modification took too long was wrongly completed by extension to 40 years? Monthly payment application are very wrong with interest and Principal!!! 
Loan Modification is NOT refinancing loan & is mandated by Govt to assist home owners in trouble, My payment should reflect 70 % payment towards Principal and 30 % towards Interest or worst case equal amount to Principal & Interest after Escrow deduction as was the case previously but this greedy wicked bank is trying to extort unreasonably. 
How can ONLY {$41.00} be Principal with {$180.00} interest out of {$400.00} - I have paid Wellsfargo Bank over {$130000.00} on a {$72000.00} loan over the past 19 years!! 
I am demanding immediate review & correction as stated of my Loan Modification at worst. Thank you, XXXX XXXX XXXXTel : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Disputed this account I have no knowledge of. I have disputed online, mail, phone and also have a dismissal letter I sent a never served or informed of any courtdate. They have yet to even respond other than XXXX  saying they validated the debt but how? And where are my copies?
Product: Mortgage

In XXXX 2015, I submitted XXXX requests to Wells Fargo Credit Bureau of removing a comment from my credit report. The notices were sent via fax through secured fax machines of Wells Fargo branches. I was also informed by the Wells Fargo Banks that no phone is available for the Wells Fargo Credit Bureau. I never got a response from them and have no other methods to contact the department. 
I filed a complaint with Bureau of Consumer Financial Protection ( case # XXXX ) that XXXX Credit Report agency failed to correct mistakes on my Wells Fargo Mortgage accounts. The response from XXXX pointed out that the source of information comes from Wells Fargo. 
As there is no channel for me to contact Wells Fargo Credit Bureau, I am seeking the help from CFPB. 
The Wells Fargo mortgage accounts were closed in 2011. Their account numbers were : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. The 3 months of 30 days late and no information on XXXX are reporting mistakes.
Product: Credit reporting or other personal consumer reports

I'm writing to you since I recently received a copy of my report. I then discovered accounts that were plainly incorrect yet were still shown on my credit report. There is a significant disparity in the accounts reported. The incorrect statuses and late payments across three agencies. Additionally, balances that have not been updated and accounts that I am unfamiliar with.
Product: Mortgage

Over a month ago, I exited the COVID-19 forbearances for my loans into COVID-19 Payment deferral arrangements. I then asked to have the repayment of the escrow shortages from COVID-19 forbearance spread out over 5 years ( 60 months ) given this can be done. This is not yet done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
PLEASE REMOVE THE BANKRUPCY FROM MY CREDIT REPORT AS IT HAS BEEN OVER 7 YEARS XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and  623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Debt or credit management

XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, REPORTED AS FRAUDULENT XXXX, Remarks Account information disputed by consumer, meets FCRA requirements account status open, NOT CHANGED. 
XXXX. XXXX XXXX XXXX, original creditor XXXX XXXX XXXX, XXXX XXXX XXXX, REPORTED AS FRAUDULENT XXXX, Remarks Account information disputed by consumer, meets FCRA requirements, NOT CHANGED. 
XXXX. XXXX XXXX XXXX closed XX/XX/XXXX, REPORTED AS FRAUDULENT, Remarks Charged off as bad debt Profit and loss write-off CLOSED. 
XXXX. XXXX XXXX - XXXX, closed XX/XX/XXXX, REPORTED AS FRAUDULENT, Remarks Collection Account Account information disputed by consumer, meets FCRA requirements, CLOSED. 
XXXX. XXXX XXXX XXXX XXXX reported XX/XX/XXXX Remarks Paid off 100 % of loan, CLOSED ( not removed ) XXXX. XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX, Remarks Paid off 100 % of loan, CLOSED ( not removed ) XXXX. XXXX XXXX XXXX reported XX/XX/XXXX, Remarks Paid off 100 % of loan, Account paid from collateral CLOSED ( not removed ). 

INQUIRIES : FEB/DESTINY Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting these information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular accounts in question. The 3 credit bureaus are required to authenticate these accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX XXXX  Rule 1002.142 ( b ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. 
XXXX 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

today i logged into my credit file to see CREDIT COLLECTION SERV is reporting a debt of {$700.00} to credit reporting bureaus, i have never done business, signed any contract or documents with CREDIT COLLECTION SERV or anyone they are collecting for, I do not wish to contract or do business with CREDIT COLLECTION SERV.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX Bankruptcy # XXXX -DATE OPENED XX/XX/XXXX