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

according to my credit report XXXX XXXX  cancelled my debt but it is still reflecting as debt. according to the IRS anytime a debt is cancelled it has to be filled as income on a 1099 c form. so based on what the IRS says it is income not debt. so my credit report is inaccurate. so there's inaccurate information on my credit report that needs to be removed. According to the FCRA my credit report has to be accurate and if its not it must be removed and if they don't they are breaking the law which I can sue. so I am asking XXXX XXXX to remove this account off my credit report because it is inaccurate..The tax impact of debt forgiveness or cancellation depends on your individual facts and circumstances. Generally, if you borrow money from a commercial lender and the lender later cancels or forgives the debt, you may have to include the cancelled amount in income for tax purposes. The lender is usually required to report the amount of the canceled debt to you and the IRS on a Form 1099-C, Cancellation of Debt. There are several exceptions to the taxability of cancelled debt, such as insolvency or bankruptcy. according to the FRCA Experian XXXX and XXXX must delete this information. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Product: Checking or savings account

XX/XX/XXXX {$28000.00} was taken out of my checking account to XXXX XXXX XXXX XXXXXX/XX/XXXX is whats shown on my statement. 

XX/XX/XXXX {$34000.00} was taken out of my account to XXXX XXXX XXXX XXXX 

Both of these the bank has denied refunding to my account. Said I had XXXX hours to dispute. And was told the money was given to XXXX XXXX out of Georgia and they wouldnt give the money back, so they wont give it to us! 

XX/XX/XXXX {$33000.00} this one the bank did refund our money same description XXXX. 

XX/XX/XXXX {$89000.00} this one the bank did refund our money same description XXXX. 


These transaction are through Fifth Third Bank and they have sent a letter saying will not refund. I have been in touch through many phone calls trying to get this resolved. I have been doing business with them for 50 years. 
I also made a police report.
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINUING TO REPORT THESE FRAUDULENT ACCOUNTS ONMY CREDIT REPORT EVEN AFTER BEING NOTIFIED. THESE ARE NOT MY ACCOUNTS.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquires that l 've found : XXXX 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/year>, XXXX XXXX XX/XX/year>, Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report aswell
Product: Debt collection

The following agency is not bonded in TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX , FL  XXXX  (  XXXX  )  XXXX
Product: Credit reporting or other personal consumer reports

I was looking over my 3-bureau credit report and noticed that my American Express Account was showing 16 digits when it should have only been 15 digits. I called American Express customer service, and they could find no record of me having the account that was reporting on my credit history. They tried looking me up by my SSN and still had no results.
Product: Credit reporting or other personal consumer reports

It appears that my credit information with you has been compromised. Despite submitting an FTC report # XXXX, it has come to my attention that these items are not being removed. This is my sixth attempt to notify you about the incorrect credit reporting, and I am writing to dispute these items in my file. I have attached my new FTC report with reference number : XXXX. The items I am disputing are not related to any transactions in which I obtained goods, services, or money, nor were they authorized by me. Please remove the reporting of any items in my credit file that resulted from incorrect credit reporting : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and, I have doubts about their accuracy, and the reported payment history on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting

Trans union had several computer breaches in their systems that violated the rights of their consumers under section XXXX XXXX I have been gravely affected and my score is suffering as a result. the computer glitch that caused all of the inquiries on my credit report to be deleted and my score was increased as a result. The very next week all the inquiries were reinserted to my credit report without prior written notification which is a direct violation of sec XXXX XXXX of the Fair reporting Credit act. I have spoken to several reps of Transunion and they acknowledged that there were several security breaches that happened them in 2016 affecting their systems and credit reports, but they refused to fix thier error regarding my credit report, I am requesting that the reinserted credit inquiries, be permanently removed. I demand the following inquiries to be removed from my credit report immediately. ( 1. ) XXXX savings on XXXX. ( 2. ) XXXX on XXXX. ( 3 ) XXXX on XXXX. ( 4. ) XXXX on XXXX. ( 5 ) XXXX on XXXX. ( 6 ) XXXX on XXXX. XXXX on XXXX. ( 7 ) XXXX XXXX. ( 8 ) XXXX on XXXX XXXX. ( 9 ) XXXX on XXXX. ( 10 ) XXXX XXXX on XXXX. ( 11 ) XXXX on XXXX. ( 12 ) XXXX on XXXX. ( 13 ) XXXX XXXX. ( 14 ) XXXX on XXXX. ( 15 ) XXXX CARD XXXX. ( 16 ) XXXX CARD on XXXX. ( 17 ) XXXX CARD on XXXX. ( 18 ) XXXX CARD on XXXX. ( 19 ) XXXX CARD on XXXX. ( 20 ) XXXX CARD on XXXX. ( 21 ) XXXX CARD on XXXX. ( 22 ) XXXX XXXX on XXXX. ( 23 ) XXXX on XXXX XXXX. ( 24 ) XXXX on XXXX. ( 25 ) XXXX on XXXX. ( 26 ) XXXX on XXXX. ( 27 ) XXXX on XXXX. ( 28 ) XXXX on XXXX. ( 29 ) XXXX on XXXX. ( 30 ) XXXX on XXXX. ( 31 ) XXXX on XXXX. ( 32 ) XXXX on XXXX. ( 33 ) XXXX on XXXX. ( 34 ) XXXX on XXXX. ( 35 ) XXXX on XXXX. ( 36 ) XXXX on XXXX. ( 37 ) XXXX on XXXX. ( 38 XXXX on XXXX. ( 39 ) XXXX on XXXX. ( 40 ) XXXX on XXXX. ( 41 ) XXXX on XXXX. ( 42 ) XXXX on XXXX. ( 43 ) XXXX on XXXX. ( 44 ) XXXX on XXXX. ( 45 ) XXXXXXXXVISA on XXXX. ( XXXX ) XXXX on XXXX. ( 47 ) XXXX on XXXX. ( 48 ) XXXX on XXXX. ( 49 ) XXXX on XXXX. ( 50 ) XXXX on XXXX. ( 51 ) XXXX on XXXX. ( 52 ) XXXX on XXXX. ( 53 ) XXXX on XXXX. ( 54 ) XXXX on XXXX. ( 55 ) XXXX on XXXX. ( XXXX ) XXXX on XXXX. ( 57 ) XXXX on XXXX. ( 58 ) XXXX on XXXX. ( 59 ) XXXX on XXXX. ( 60 ) XXXX on XXXX. ( 61 ) XXXX on XXXX. ( 62 ) XXXX on XXXX. ( 63 ) XXXX on XXXX. ( 64 ) XXXX on XXXX. ( 65 ) XXXX on XXXX. ( 66 ) XXXX on XXXX. ( 67 ) XXXX on XXXX. ( 68 ) XXXX CARD XXXX on XXXX. ( 69 ) XXXX BANK on XXXX. ( 70 ) XXXX BANK on XXXX. ( 71 ) XXXX XXXX on XXXX. ( 72 ) XXXX BANK on XXXX thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Capital OneXXXX XXXX XXXX account. It shows a late payment on this account that is NOT correct. I have disputed this with the credit bureaus and also with Capital One directly. They claimed they investigated this and they are reporting correct information. There is NO way this is true. 
It was paid off and the last payment made was in XXXX of 2016. I was told this on the phone with CapiTAL one and then it shows this on my credit report. Some how they then claim I made a late payment 2 months after this account was paid off. This is impossible to have occurred. I tried to tell them this over the phone and they refused to speak with me about it over the phone. They said that I had to send a letter to their dispute center. I did so and explained there was no way this could have happened and it has STILL NOT BEEN CORRECTED. 
I tried to explain this to the credit bureaus and to Capital One and they have refused to change this and they have left me with no options to get this corrected. What they claim is not possible and I have no documentation to support this because there were NO PAYMENTS DUE after XXXX of 2016.  XXXX  accused me of being a liar, and that was supposedly a manager of XXXX. 

I am very frustrated because this account is causing me great harm and has been for a while now. I want this account removed now! I would also like something to be put in place to help others in this situation. There needs to be an easier way to resolve these types of situations without having to file complaints to get someone to listen to you. I have spent hours of my time and money arguing this with them and this is COMMON SENSE! It is NOT Possible to have made a late payment 2 months after he account was paid off and the last payment was made. There is NO WAY ANYONE INVESTIGATED THIS because if they had, they too would have realized this is a false claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on numerous occasions and they refused to remove this fraudulent account from my credit file. I informed ( Experian ) that these accounts do not belong to me.
Product: Debt collection

A law firm is trying to collect a debt payment that has been paid. Per Midland Credit Management statements, dated XX/XX/21, attached, I have paid a total of {$5400.00}. A total of {$5400.00} has been paid to the agency/law firmand should be considered paid in full, per official statements from Midland Credit Management XXXX who holds the account. 

I try to call the law firm ( XXXX, XXXX, XXXX ) and get atrocious hold times. Ive emailed with no response. I disputed w credit reporting agency ( at least one of them - the others are on my to do list ).

Mind you, it has been 12 months since I had any communication w this company and NOW they threaten me with moving forward with judgement within 10 days of letter if they get a payment within 5 days of the date of the letter? No more payments will be sent to their agency or law firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found 4 accounts on my credit report that do not belong to me they are a bunch of different things that I have not signed or applied for. I have sent out a Identity Theft Report and also contacted the bureaus multiple times with letters after letter since XXXX of 2020 4 letters to be exact and they have not done anything about this. Please help me out XXXX XXXXXXXX XXXX  XXXX - Act # XXXXX Amt {$4200.00} XXXX XXXX XXXX XXXXXXXX - XXXX # XXXX XXXX {$4400.00} XXXX XXXX XXXX - Act # XXXX Amt {$180.00} XXXX XXXX - Acct # XXXX Am {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed amount of {$62.00}, {$62.00}, {$62.00} owed to XXXX. XXXX XXXX XXXX on XX/XX/XXXX, ( was on all 3 Cr. Bur. ), as unpaid-in collection. Then there was XXXX XXXX XXXX. I disputed the loan was n't mine, my information was used to commit fraud, I had talked to the company prior to this and they even told me how the crime was committed against me, but still continued to allow this to destroy my ever having credit. Amounts disputed, {$920.00}, ( on all 3 Cr. Bur. ) date disputed-XX/XX/XXXX, then on the same date I also disputed {$410.00} to XXXX XXXX Bank XXXX dispute sent to all 3 Cr. Bur.,  {$85.00} due to XXXX XXXX XXXX, disputed to all 3 Cr. Bur., on XX/XX/XXXX. XXXX sent me back the inv. Results and XXXX XXXX XXXX XXXX. Was Deleteed, XXXX. XXXX was DELETED, XXXX XXXX XXXX. Was DELETED, and XXXX. XXXX. Bank was Disputed w/ info, updated. They put it back at what I knew I owed {$300.00}. XXXX, Waited 1 1/2 hrs, never answered. They sent me back a result of " no change '',. XXXX, is absolutely unwilling to help at ALL!! They sent me all around the world, never got any help. I want to also say I tried the last time to contact the creditor XXXX XXXX, it was admitted to me the manager at the time had also scammed 2-3 other customers. He would continue to reborrow money under our identity. I got cussed out ft not understanding. This was supposed to be handled in XX/XX/XXXX, instead he skipped town, my credit continued to get worse and worse. I had to pay unbelievable finance charges on anything I would get and then I had to use XXXX companies that on touched the WORST credit. I filled out a report on my account being frauded in XX/XX/XXXX.
Product: Student loan

I've been paying off this loan for almost XXXX years now. In the beginning, I was dealing with a divorce in XXXX and couldn't make the payments, so I went into forbearance on and off. I wasn't informed that this would create four additional loans, and my payments only covered the interest. I've been using my VA XXXX to pay off the loans, but they haven't decreased at all during this time. 

XX/XX/XXXX Capitalized Interest-Forbearance-Quarterly {$240.00} ( {$240.00} ) {$0.00} {$0.00} Forbearance-Quarterly XX/XX/XXXX Payment ( {$23.00} ) ( {$140.00} ) {$0.00} ( {$160.00} ) XX/XX/XXXX Capitalized Interest-Forbearance End {$100.00} ( {$100.00} ) {$0.00} {$0.00} Forbearance End XX/XX/XXXX Capitalized Interest-Forbearance-Quarterly {$490.00} ( {$490.00} ) {$0.00} {$0.00} Forbearance-Quarterly XX/XX/XXXX Capitalized Interest-Forbearance-Quarterly {$470.00} ( {$470.00} ) {$0.00} {$0.00} Forbearance-Quarterly XX/XX/XXXX Payment {$0.00} {$0.00} ( {$18.00} ) ( {$18.00} ) XX/XX/XXXX Capitalized Interest-Forbearance-Quarterly {$460.00} ( {$460.00} ) {$0.00} {$0.00} Forbearance-Quarterly XX/XX/XXXX Late Fee {$0.00} {$0.00} {$9.00} {$9.00} XX/XX/XXXX Capitalized Interest-Forbearance-Quarterly {$340.00} ( {$340.00} ) {$0.00} {$0.00} Forbearance-Quarterly XX/XX/XXXX Late Fee {$0.00} {$0.00} {$9.00} {$9.00} XX/XX/XXXX Capitalized Interest-Forbearance End {$120.00} ( {$120.00} ) {$0.00} {$0.00} Forbearance End XX/XX/XXXX Capitalized Interest-Forbearance-Quarterly {$320.00} ( {$320.00} ) {$0.00} {$0.00} Forbearance-Quarterly XX/XX/XXXX Payment {$0.00} ( {$150.00} ) {$0.00} ( {$150.00} ) XX/XX/XXXX Capitalized Interest-Forbearance-Quarterly {$30.00} ( {$30.00} ) {$0.00} {$0.00} Forbearance-Quarterly XX/XX/XXXX Payment ( {$100.00} ) ( {$46.00} ) {$0.00} ( {$150.00} ) XX/XX/XXXX Capitalized Interest-Deferment End {$180.00} ( {$180.00} ) {$0.00} {$0.00} Deferment End XX/XX/XXXX Capitalized Interest Adjustment {$0.00} {$0.00} {$0.00} {$0.00} Deferment-Quarterly XX/XX/XXXX Capitalized Interest-Forbearance End {$290.00} ( {$290.00} ) {$0.00} {$0.00} Forbearance End XX/XX/XXXX Payment ( {$47.00} ) ( {$150.00} ) {$0.00} ( {$200.00} ) XX/XX/XXXX Capitalized Interest-Forbearance-Quarterly {$360.00} ( {$360.00} ) {$0.00} {$0.00} Forbearance-Quarterly XX/XX/XXXX Payment {$0.00} ( {$150.00} ) {$0.00} ( {$150.00} ) XX/XX/XXXX Capitalized Interest-Forbearance End {$400.00} ( {$400.00} ) {$0.00} {$0.00} Forbearance End XX/XX/XXXX Capitalized Interest-Forbearance-Quarterly {$180.00} ( {$180.00} ) {$0.00} {$0.00} Forbearance-Quarterly XX/XX/XXXX Payment {$0.00} ( {$150.00} ) {$0.00} ( {$150.00} ) XX/XX/XXXX Payment ( {$30.00} ) ( {$110.00} ) {$0.00} ( {$150.00} ) XX/XX/XXXX Capitalized Interest-Forbearance-Quarterly {$340.00} ( {$340.00} ) {$0.00} {$0.00} Forbearance-Quarterly XX/XX/XXXX Payment {$0.00} ( {$150.00} ) {$0.00} ( {$150.00} ) XX/XX/XXXX Payment {$0.00} ( {$150.00} ) {$0.00} ( {$150.00} ) XX/XX/XXXX Payment {$0.00} ( {$150.00} ) {$0.00} ( {$150.00} ) XX/XX/XXXX Payment {$0.00} ( {$150.00} ) {$0.00} ( {$150.00} ) XX/XX/XXXX Adjustment ( {$41.00} ) {$0.00} {$0.00} ( {$41.00} ) XX/XX/XXXX Disbursement {$42000.00} {$0.00} {$0.00} {$42000.00}
Product: Credit reporting or other personal consumer reports

I am in the process of buying a home ( close XX/XX/XXXX ) and out of nowhere with XXXX warning, my student loans all reported DELINQUENT on my credit report dropping my score from over XXXX to XXXX instantly. I have been in an economic hardship forebearance since XXXX and received XXXX notice that this program was ending and payments were due. My loans are serviced through XXXX ; they have not sent me an e-mail since XXXX, I have received no mail or telephone calls and they have been reporting my loans current every month up until this occured Friday XX/XX/XXXX. Now, not only will I lose the home I've already placed a deposit on, no one will rent to me with a credit XXXX of XXXX and I am facing homelessness with my XXXX children next month. I have tried to resolve the matter with XXXX however for some odd reason their website is not allowing me to access/create and account and I can't reach anyone by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and my information has been used to open multiple accounts. It has been confirmed by the bureaus that I am a victim of identity theft but they continue to report the fraudulent information. 

I have never had a credit card with XXXX and I never opened an account with XXXX/XXXX
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX has a total of 7 different collects reporting to my credit file. I have no knowledge of this account. I havent had any sort of medical treatment since XXXX I have disputed these collections on numerous occasions and havent gotten any results. These charges have adversely caused me hardships, as Im unable to utilize my credit and provide for my family adequately.
Product: Credit reporting or other personal consumer reports

To update my name to my current legal name and remove old last names/Incorrect spelling of names/old account/debt/information greater than 8 year 's old.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter disputing the following inquiries. They are still on my report more than XXXX days later. 


I asked for proof of permissible purpose of these inquiries, but I never received them. The inquires were reported as verified although no proof of this verification was presented. 

This is illegal according to federal law - 15 U.S. Code 1681n - Civil liability for willful noncompliance : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( 2 ) such amount of punitive damages as the court may allow ; and ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Checking or savings account

Complaint against Ally Bank regarding CD # ... XXXX This CD matured on XX/XX/2018. I had XXXX XXXXXXXX on that date, but I called Ally Bank on XX/XX/2018 and requested that the CD be redeemed since it had matured and I requested that the check in amount of {$100000.00} to be mailed to my home address on file, which I had already repeated to her over the telephone. The Ally agent was confused and I had to repeat my request and my home address for a total of three times. I placed the telephone call on speaker so that my wife could hear the conversation. We were both stunned as to the womans incompetence and her confusion. She finally stated that a check would be mailed in 5-7 business days. 
I called Ally Bank on XX/XX/2018 and inquired about the check. The first agent I spoke to could not get her computer to work and she transferred me to a second agent who also had trouble pulling up the account on her computer. Eighteen minutes later a third agent named XXXX was called in to discuss this. XXXX told me that the account was never closed and that a penalty was being invoked. I told her that I closed the account on XX/XX/2018 well within the 10 day grace period. She objected and said that today was beyond the 10 day grace period. I reminded her that I had already closed the account with my phone call on XX/XX/XXXX and she said the account was never closed. She finally admitted that their phone records indicated that I indeed called on XX/XX/XXXX and agreed to waive the penalty. She promised that a check in the full amount of the matured CD would be mailed to me today ( XX/XX/2018 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error I am a consumer by law and I am frustrated. As of today its been over 60 days and they have yet taken any action to correct the mistake. They are supposed to report accurately to the Credit Reporting Agencies but theres information by LAW thats supposed to be EXCLUDED! Late or missed payments are one of them.
Product: Mortgage

New hazard insurance in force XXXX XXXX. This premium was paid by mortgage company. A letter to me was sent on XX/XX/XXXXXXXX  explaining that lower taxes and insurance amounts have resulted in a lower payment and that they know I have an escrow overage. 
They won't allow the lower payment to take effect until XXXX even though they've sent in writing that my payment is {$490.00} a month lower. 
The letter said a check refunding the excess would be attached. It was not. I try to call them and they're constantly on voice mail. No one ever answers live. I am also filing with the XXXX  and the Texas State Attorneys General.
Product: Vehicle loan or lease

I logged in to my online account on XX/XX/2019 in order to find details of my loan balance and interest rate. A simple monthly statement for viewing or download would have been fine. But that was no where to be seen online. Absolutely no where could I find my interest rate. 

I called the company to ask for a statement on XX/XX/2019 and was informed that they would not provide a statement. They offered to mail/email me my original paperwork and a copy of the payment history. I stated that it seemed odd that they could/would not provide a statement. The representative had no explanation or idea why this would not be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX  XXXX acct # s XXXX & XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Stress i have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It alson states a consumer reporting agency can not furnish a account without written instructions