davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (LA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2017-04-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TN)

Direct financial llc bought my mortgage from XXXX in XX/XX/2016. I have made all payments on time. I received. Late notice in XX/XX/XXXX so I called and they said I was a month behind. I sent proof that my XX/XX/XXXX payment went to XXXX and I 've paid on time from last XX/XX/XXXX until present. They are ruining my credit by stating I have missed 4 months! I have pulled my online accounts and every payment has posted on time! I received another late notice in XX/XX/XXXX! My payment posted on the XX/XX/XXXX. Please help me with this matter. I am in the process of looking to buy but there is no way with 4 missed payments on my credit report
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

in accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and under 15 USC 1681. 

1. professional debt me # XXXX XXXX. # XXXX XXXX. # XXXX XXXX american credit acce # XXXX, has violated my rights. I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX, XXXX  XXXX  SOC SEC # XXXX-XXXX-XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX  XXXX   Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX, XXXX   Inquiry from XXXX  XXXX, 2016 + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX, XXXX. XXXX Inquiry fromXX/XX/XXXX+ XXXX XXXX XXXX XXXX.

To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests.

Thank you.

Sincerely, XXXX, XXXX  XXXX  SOC SEC # XXXX-XXXX-XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (OH)

I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.
Consumer complaint received 2021-11-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (TX)

I opened a XXXX credit card on XX/XX/XXXX approved for {$5700.00} Made a furniture purchase on XX/XX/XXXX for {$3700.00} XXXX on XX/XX/XXXX Product came damaged, we contacted the company the next day and they offered to exchange it. 
On XX/XX/XXXX XXXX scheduled appointment to pick and exchange furniture for the exact style undamaged but wouldnt get new items until XXXX. 
XX/XX/XXXX we received a single piece ( loveseat ) XX/XX/XXXX we received the remainder new set of furniture and it too was damaged. 
XX/XX/XXXX a third exchange for a single piece was delivered. 
After speaking with management and trying to get it right, we asked to fully return the product and they made arrangements to take all the furniture back to store. 
XX/XX/XXXX was original schedule date to pick up but changed to XX/XX/XXXX Management issued a full refund but somehow I still had a balance of {$130.00} that some how stayed on my account. The interest fees continued to grow. I spoke with XXXX from customer service and she was unsure why I still had a balance. 
I went to speak with the salesmen and Store Manager where I bought the furniture from. He ensured my balance was fully refunded. I explained that I am receiving bills that are racking up interest and late payments. 
I went back and forth with the store and customer service on this matter which was a long drawn out battle. 
My final balance was reported on my credit report at {$420.00} I then received a letter from TD Bank dated XX/XX/XXXX stating they received information regarding fraud. ( See attached Letter ) I then contacted TD Bank and explained that I am trying to understand why there is an amount of {$420.00} on my credit file and that no one has been able to assist me with this credit reporting. I received another letter from TD Bank dated XX/XX/XXXX from a XXXX XXXX XXXX and I have been calling her and all calls go to her voicemail. So I once again went back to the local XXXX store and received documents supporting my return of furniture. I compiled all letters, store reports, billing documents, etc. and sent it to TD Bank on XX/XX/XXXX via Certified Mail to XXXX XXXX. I have been calling the phone number listed on her letter XXXX and have no success in phone calls and no response to my written request.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have a credit card with   XXXX   XXXX   XXXX  , I was overcharging and I feel I was discriminated by them and I ask them and several occasions to lower the interest rate and they refuse and I ask them to close it because I will never able to catch up.consequently they accept to close the card and I will continue to make payment. Before the payment due date They still calling me and harass me on numerous occasion. I made my payment and   XXXX   XXXX   XXXX   reports to the credit bureau that I was late 90 days which is incorrect and I have document to prove that because I paid them through my bank account. because of that I was denied a job by a company. I would like for you to step in and discuss the finding with them
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Dillards Credit Card, shows one late payment on XX/XX/scrub>XXXX XXXX This account was paid to zero balance in XXXX XXXX and was never late in XXXX Would like company to send information or proof that the information is correct, if not they need to remove the late payment.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I never Authorize these inquiries to be pulled from my credit report and have asked all three credit bureaus to removed them, but they haven't. I requested it be removed XX/XX/XXXX. I dont recognize these lenders and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below. 
XXXX XXXX Balance {$4200.00} XXXX XXXX Balance {$4200.00} XXXX XXXX Balance {$4200.00}
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Incidents of fraud, data breaches and identity theft are becoming more rampant, I therefore legally request the DELETION of INACCURATE accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX & XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX XXXX XXXX CO on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX & XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 22. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 24. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2023-06-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

Due to the death of my father the borrower from XXXX he was unable to meet his obligations to the mortgage company. We have tried relentlessly to resolve any issues with the lender. The extreme amount of stress has been overwhelming for myself and my family. Probate took a very prolonged period of time and when finally completed the lender set to auction our home without letting us explore any resolutions to retain our home. When we were given the opportunity due to the DOB delaying the sale we got everything together and began working with a HUD counselor. From XXXX XXXX it has been a complete nightmare. 
I have sent in all required documentation that has been requested on multiple dates through email, fax and with a HUD counselor. 
I am continually told they Dont have all documentation requested, I have evidence to the fact that they in fact do. 
A complete modification package was sent on XX/XX/2023 they have not even reviewed it. Carrington did receive it and it was confirmed. They plan to Auction our home on XXXX XXXX On every day this week starting Monday XX/XX/2023 I was told by representatives that they will escalate this to a supervisor and call back, send documents again and again Fax-email but then they tell me the case is closed. 
No one has an answer or updates just that there sorry it will have to be escalated to a supervisor. 
There are 5 of us in the home and we have been trying to resolve this but are getting no where and Carrington Mortgage refuses to work with us, we just keep getting fed a line. 
All we want is to resolve this and move forward. 
We would like very much to remain in our home and work with the lender but it seems hopeless as the right and left hands do not seem to be working with this company. Today I was told send documents again? If they are not willing to postpone the Auction and give us a fair review for modification, its confusing to have a representative say send them again. She will escalate to a supervisor.
Consumer complaint received 2023-06-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (MO)

XXXX XXXX passed away XXXX XXXX I sent her death certificate to discover this XXXX credit card I told discover that my mom passed they said that credit card was clear and they closed the account well a year later discover sent my mom XXXX XXXX to XXXX and the lady wanted to know about my mom 's estate she doesn't have any I'm not on her account I told this that she can not sue a dead person and why did they wait a year to say something the lady hung up on me. Now this needs to stop
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (SC)

XXXX XXXX XXXX has tried to open 2 separate collections in a 2 month time frame and I need them both gone, Ive never used XXXX XXXX XXXX but 1 time and it wasnt the time they are saying I used XXXX XXXX XXXX
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the third 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 items, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

This is XXXX XXXX, who is submitting this XXXX  complaint myself, and to inform you that there is no third party involved in the process. My request for the removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXXXXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX  Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS THAT ARE STILL REPORTING ON MY ACCOUNT. 
XXXX XXXX XXXX ***** Opened XXXX XXXXXXXX XXXX Balance {$0.00} XXXX ***** Opened XXXX XXXX, XXXX Balance {$0.00} XXXX ***** XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX  XXXX ***** Opened XXXX XXXX , XXXX Balance {$0.00} XXXX XXXX XXXX ***** Opened XXXX XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. I have reviewed my credit report and found inaccuracies that require your attention. 

XXXX XXXX - Late Payment Account XXXX XXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXXXXXX XXXX - Charge Off Account XXXXXXXX XXXX XXXX  XXXX - Charge Off Account XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX - Collection Account XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Collection Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX - Collection Account XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX - Collection Account XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX - Collection Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX - Collection Account XXXX XXXXXXXX - Charge Off Account XXXX XXXX XXXXXXXX - Charge Off Account XXXX  XXXX - Collection Account XXXX XXXX XXXX XXXX - Charge Off Account XXXX XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Charge Off Account XXXX XXXXXXXX - Collection Account XXXX  XXXX - Collection Account XXXX XXXX - Collection Account XXXX  XXXX - Collection Account XXXX XXXXXXXX XXXX - Charge Off Account XXXX XXXX XXXX - Charge Off Account XXXX XXXXXXXX - Collection Account According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies on my credit report. I am requesting that you investigate these accounts and provide me with written proof of the validity of these accounts. 

I also request that you contact the original creditor and obtain proof that they have authorized the collection agency or credit bureau to collect on their behalf. If you can not provide me with this proof, I request that you remove these accounts from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX