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

I am writing to file a formal complaint against Experian for its failure to conduct a reasonable reinvestigation into inaccuracies on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). On XXXX/XXXX/2024, I mailed a dispute letter via USPS certified mail tracking # XXXX, requesting an investigation into the following items : XXXX  XXXX - Account Number : XXXX and XXXX XXXX XXXX - Reference Number : XXXX. To assist in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill. Despite my adherence to the FCRA 's dispute process, I received a response from Experian dated XX/XX/XXXX24, stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. This response indicates a failure on Experian 's part to recognize and process a dispute initiated by the consumer, as required by the FCRA. The Act explicitly mandates that if the completeness or accuracy of any item in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. I am submitting copies of my dispute letter, USPS certified mail proof of delivery, and Experian 's response as evidence of my efforts to rectify the inaccuracies on my credit report.
Product: Debt collection

Debt collection company employed by XXXX to collect debts. Set payments to autopay at {$400.00} a month, called to change the amount they take every month to be told the account was sent back to XXXX. I check XXXX  to see how much my balance went down upon paying {$800.00} and found that no payments that I made were applied to my balance due with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

*****EQUIFAX HAS " NOT BEEN ABLE TO PULL MY REPORT FOR DETAILS DUE TO NO REPORT BEING FOUND '' for a year now!! Before you deny/close out the claim due to YOUR error with recieveing my none frozen or restricted account be sure it is in the USA and my name and other info IS CORRECT*****I have spoken to a lawyer and the next violation or careless error on your end or the CFPBs will be cause for MOTION TO FILE SUIT!!! 
This company has taken more than 60 days to mail me my proof of signature and agreement between me and the listed companies which is clearly against the law. Most of the Inquiries are within 1 day of eachother and or I have no knowledge of a HARD pull as stated In my initial dispute. PLUS I'm entitled to the methods used to speak with the company to validate the info by you..ie name of person spoken with # /department time etc. 
REGULATIONS/LAWS BROKEN : 15 U.S.C. 1681n ( a ) Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] obtaining my CREDIT BUREAU consumer report without my permission : Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity fraud. There are several accounts in my name that I have no knowledge of whatsoever. The accounts reported as 33 different accounts and are as listed : XXXX XXXX XXXX {$9900.00} open XX/XX/XXXX ; XXXX XXXX  {$6600.00} XX/XX/XXXX ; XXXX XXXX XXXX {$3500.00} XX/XX/XXXX ... there are several accounts reporting from XXXX XXXX XXXX/XXXX from the year of XX/XX/XXXX-XX/XX/XXXX. By law and statue of limitations, these accounts should not be reporting to my credit after 7 years. There are also several accounts reporting to my credit from XXXX XXXX XXXX/XXXX in amounts of {$2500.00}, {$3500.00}, and more. All accounts from this company are reporting from the years of XX/XX/XXXX-XX/XX/XXXX which  also defied the statue of limitations for debt collection reporting. There are accounts reporting from XXXX XXXX  from XX/XX/XXXX which should not be reporting. State of MI Office XXXX in the amount of {$6300.00}, this is a fraudulent account open XX/XX/XXXX. Theres a fraudulent Auto Loan opened from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$31000.00}. There are multiple accounts reporting from XXXX XXXX XXXX XXXX /XXXX/XXXX opened in XX/XX/XXXX that also break the SOL.
Product: Debt collection

15 USC 1682a1, i did not give my permission to have such accounts furnished on my report. I have not supplied proof under a doctrine that estoppel by silence Englehart v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of their alleged debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX repossesion on credit report should be removed from all three credit bureaus I havent made a payment to this company in 10yrs since the repossesion this needs to be removed time has lapsed on allotted time for reporting i never made any payment in XXXX  disputes have been filed but not honored to all credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number:XXXX  Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Date Opened XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urgently request that you take immediate action to remove the fraudulent inquiries from my credit report. These unauthorized inquiries are causing me considerable XXXX, as I did not initiate or authorize them. It is unjust for me to be held accountable for these accounts, and I implore you to swiftly rectify this situation.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, XXXXXX/XX/XXXXAccount Number XXXX Open Date XXXX XXXX, XXXX Balance : {$1600.00} Charged Off XX/XX/XXXXAccount Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Account Number XXXX XXXX XXXX XX/XX/XXXX Balance : {$15000.00} Charged Off XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charged Off XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$6400.00} CollectionXX/XX/XXXX ( OriginalCreditor :XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$6400.00} Collection XX/XX/XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$180.00} Charged Off Inquiries in Dispute : XX/XX/XXXXL XX/XX/XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Product: Student loan

I filed for my loans to be forgiven due to XXXX being closed due to fraud in 2015. I still havent heard anything, Ive seen people get theirs forgiven, I am trying to finish schooling and due to this issue Im about to be maxed out and can not finish my XXXX program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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 Company Inquiries : XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 I disputed negative student loan accounts on. There are upwards of XXXX plus marks that are hurting my credit history. These XXXX and Equifax have both deleted positive accounts on my report that were not suppose to be removed and left all negative accounts that I did dispute on my report. This was not what I ask for these companies to do. XXXX as always has yet to respond to any of my demands. These companies have not been playing fair or even taken any of my demands seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use autopay, from my bank to pay my Citicard credit card. Citicard was set up to send me paperless statements. I never received an alert or courtesy via mail, or telephone call stating that minimum payment changed. The emails were automatically going into my gmail " promotions '' which do not show in the inbox. Monthly payments for the past amount were paid, on time every month for what I thought was the minimum due. I was not aware that I was getting a late charge, that accrued with continued late payment for 4 months. 

Late payment were charged X/XX/17- {$25.00} XX/XX/17- {$35.00} XX/XX/17- {$35.00} XX/XX/17- {$35.00} Automatic payments were made X/XX/17- {$25.00} XX/XX/17- {$25.00} XX/XX/17- {$25.00} XX/XX/17- {$25.00} It is obvious that I had/have all intentions on payment. Citibank refuses to issue a refund on the late payments and they have marked my credit as late and stating they can not reverse the late on my credit report.
Product: Debt collection

On XX/XX/2019 XXXX XXXX phone number XXXX  XXXX XXXX contacted my ex husband who has nothing to do with my accounts and never has and I did not give permission for XXXX XXXX to call him and they spoke with him about my account without authorization. I want this bank shut down. I want this bank held accountable I want restitution in the amount of XXXX   paid to me because of the issue. I am sick and tired of their XXXX XXXX. they are harassing my neighbors pretending to be sick relatives asking to call for emergencythreatening to call the FBI and the law on me having me arrested. I want this bank fined, shut down and ordered to pay restitution to me.
Product: Payday loan, title loan, or personal loan

I applied for a XXXX dollar loan and with interest I paid total XXXX. The apr was XXXX. The finance charge was XXXX. From researching I found out that this company might not be licensed in the state of Pennsylvania to be conducting loans like this. The loan started XX/XX/XXXX-XX/XX/XXXX. My checking account was debited every two weeks for XXXX  up until XX/XX/XXXX which that last payment was XXXX.
Product: Debt collection

I have contacted Harris and Harris Limited ( XXXX ) numerous times to ask them to stop calling my number because ( 1 ) I have no debt collection issues with them or anyone and ( 2 ) there is no other person in my home at this phone number. Each time they stated they would remove my number from their data base ; however they continue to make frequent Robo Calls regarding debt collection and XXXX XXXX programs. 

I have never been the subject of any debt collection activity related to this company or any other debt collection entity.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, AND EXPERIAN after repeated attempts, online disputes files, phone calls to all agencies refuse to remove ALL Charge-offs from my credit reports. They XXXX the information " validating '' debt. The issue of whether I had an account was NOT the problem!!! They are XXXX reporting income. According to XXXX USC XXXX ( b ) INCOME IS NOT REPORTABLE!! 

The I.R.S. clearly defines a CHARGE-OFF as ORDINARY GROSS INCOME!! Reference Title XXXX XXXX XXXX C.F.R. XXXX I have sent them this information in disputes to no XXXX!!! XXXX USC XXXX Liability for noncompliance. 

These companies are securitizing peoples data. SEC I will be filing a XXXX report if this isnt fixed immediately
Product: Checking or savings account

Received an email from Bank of America that a new checking account was opened. XXXX Banking Account with confirmation number XXXX. Account ends in XXXX. I did not open this account, someone immediately updated the email address and their fraud department is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my credit report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am hoping that these accounts late will be corrected. 

XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has ruined my reputation by illegally sharing my information and alleged accounts to affiliates and third parties. Im a federally protected consumer and my rights to privacy have been violated pursuant to 15 USC 1681 ( a ) ( 4 ). Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is considered an exclusion on a credit report. They have violated me numerous times. Theyve also violated my right to privacy pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). Theyve reported factual information regarding my addresses, name, etc. Ive tried numerous of times to resolves these problems with no avail.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I'VE OPEN A CHECKING ACCOUNT WITH PAY PAL SOMTIME BACK IN XXXX. I'VE APLLIED FOR GOV UNEPLOYMENT BENIFITS IN XXXX OF XXXX AND WAS APPROVED TO RECECIVE MY BENIFITS IN XX/XX/XXXX. ON XXXX XXXX THE AMOUNT OF {$8100.00} WAS DEPOSITED INTO MY PAY PAL CHECKING ACCOUNT BY THE XXXX XXXX XXXXXXXX XXXX XXXX. ON XXXX XXXX MY ACCOUNT WAS PLACED ON HOLD WITHOUT NOTICE OF ANY KIND FROM PAYPAL. IVE NEVER HAD A CHARGE BACK NEVER HAD ANY KIND OF DISPUTE ARE ISSUE ON MY ACCOUNT FOR THIS HOLD TO BE PLACE ON THERE. IVE CALLED INTO PAYPAL SELVRAL TIMES TRYING TO SEE WHY A LIMTATION WAS PLACED ON MY ACCOUNT. I HAVE SELVRAL RECORED PHONE CALLS ATTACHED TO THIS COMPLAINT WITH EACH AND EVERY CALL CONVERSATION IVE HAD WITH PAY PAL CONCERNING THIS ISSUE. THE LIMITATION PAY PAL PLACED ON MY ACCOUNT PREVENTED ME FROM USING MY ACCOUNT IM NOT ABLE TO SPEND, TRANSFER, WITHDRAW ARE SPEND MY FUNDS! I SPOKE WITH PAY PAL ON NUMEROS OCCATIONS AND WAS TOLD THE LIMITATION MAY TAKE UP TO 180 DAYS MAX AND THAT MY FUNDS WILL BE RELEASE AFTERWARDS. PAY PAL WASNT ABLE TO GIVE ME A REASON ARE INFOMATION ON WHY MY ACCOUNT WAS PLACED ON HOLD IN THE FRIST PLACE. IVE WAITED 180 DAYS FOR MY FUNDS BUT IT NEVER HAPPEN. AFTER 180 DAYS IVE CALLED BACK IN TO PAY PAL TO SEE WHAT I NEED TO DO TO TRANSFER MY FUND OUT THE ACCOUNT, I WAS THEN TOLD MY ACCOUNT WAS CLOSED AND THAT I WILL RECEVE A EMAIL ON HOW TO WITHDRAW MY FUNDS IN 48 HOURS. ( RECORDED XX/XX/XXXX CALL TIME 48MINS. ) ONCE AGAIN NOTHING HAPPEN. IVE BEEN ECITE OUT MY HOME I LOST MY CHILD DUE TO ME NOT ABLE TO GET MY FUNDS FOR MEDICAL PROCEDURES. IM CURRENTLY HOMLESS AND THIS IS NOT RIGHT!!! NOW ITS BEEN 3 YEARS AND PAY PAL STILL HAVE MY FUNDS ON HOLD. PAY PAL FIRST PLACED A HOLD ON MY ACCOUNT 2.CLOSED MY ACCOUNT3 HOLDING MY FUNDS. IF MY ACCOUNT IS CLOSED LIKE PAYPAY TOLD ME IM NO LONGER IN AN AGREEMENT WITH THEM AT ALL AND THEY DONT HAVE THE RIGHT TO WITHHELD ARE HOLD MY FUNDS.! THIS IS THEFT, IVE FILED A POLICE REPORT TODAY XX/XX/XXXX AND LOOKING TI HIRE AN ATTORNY TO HELP ASSITANCE ME WITH THIS ISSUE. IVE LOST EVERYTHING. THE ALABAMA XXXX XXXX APPROVED ME FOR BENIFITS 3 YEARS AGO AND I WASNT ABLE TO SPEND ANYTHING. I WILL MOST DEFILINY FILING A LAWSUIT AGAINST PAY PAL FOR PROFESSIONAL NEGLIGENCE. PAY PAL HAD MORE THEN ENOUGH TIME TO COMPLETE ANYTHING THEY SAY THEY NEEDED TO COMPLETE. WHEN PAY PAL DECIEDED TO CLOSE THE ACCOUNT MY FUNDS SHOULD HAVE BEEN RELEASED RIGHT THEN NOT 3 YEARS LATER. THIS IS UNRESONABLE AN THEY WILL PAY FOR THIS.THIS IS FAURAD AND THEFT AND IS WRONG!
Product: Credit reporting or other personal consumer reports

XXXX has not updated credit report in a year and i have disputed things that appear on the report such as name variations unknown addresses, and my student loan information balance was paid months agao and it is still showing. XXXX  say both reports have not been updated in a year and have scores of XXXX XXXX  or more lower than experian. Equifax is also outdated and not kept up to date. 
The damaged my credit and embarrassed me at multiple merchants and many hours on the phone and in their branches.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am worried! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request ( BUREAU ) the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX XXXX Balance : {$7900.00}.
Product: Credit card or prepaid card

SHELL CREDIT CARD WAS OPENED IN MY NAME WITH MY SSN, CLEAR CASE OF IDENTITY THEFT. I COULD NOT HAVE OPENED AN ACCOUNT WITH SHELL AS MY CREDIT SCORE WAS BELOW 500. 
I HAVE NEVER HAD A GAS CREDIT CARD IN MY ENTIRE LIFE. I AM A SENIOR CITIZEN ( XXXX yrs now ) AND I ONLY DRIVE A FEW MILES PER WEEK FOR GROCERIES AND XXXX   XXXX. 
I SHOULD NOT HAVE TO PAY FOR SOMEONE STEALING MY INFORMATION AND RUNNING UP A BILL. WOULD YOU? 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX SSN : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The negative account still showing on my report, you have failed to removed and delete the items that I have disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know for fact my XXXX XXXX report is XXXX fine good but this early warning systems is reporting XXXX information that is not even correct to prevent me from establishing checking account at any institution Ive never had bad check history of any time my life but this company has not sent me as requested this consumer report that is personal harming me directly
Product: Credit reporting or other personal consumer reports

My right to privacy is of utmost importance, and I am asserting this right through this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you are fully responsible for upholding your duties with fairness, impartiality, and respect for the consumer 's right to privacy. I am invoking this right as specified by the law. Please ensure that all information in this matter is treated with the highest degree of fairness, impartiality, and respect for my privacy. Under 15 U.S. Code 1681b, regarding permissible purpose, I have never given this company authorization for any such purpose. They are in direct violation of this statute. I request that this account be removed from my report immediately as it is damaging my reputation, character, creditworthiness, standing, capacity, and more. Since it is your duty to protect my privacy, I need this issue resolved with urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX