23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We signed a contract to build a home with Taylor Morrison Home Builders on XX/XX/XXXX We chose to use their financing and trust their inspectors. They showed us several lots within the development that we liked and we chose a lot that was larger and listed for {$10000.00}. This lot is included in the contract. We went through a disastrous design and build process ( see letter attached in Step 3 ). Our questions during the process were met with total indifference and/or contempt. When it came time to appraise, the appraisal came in {$25000.00} below our purchase price. Taylor Morrison refused to acknowledge a problem. We met with their mortgage team, the sales department heads, among several others that did not acknowledge any issue and put the burden on us to make up the difference. They eventually gave us roughly {$2500.00} back in the purchase price but failed to explain how they made the difference of that amount up given we did not bring any more to closing, and our monthly payment did not change. At the final walk through of the home, I was asked to sign a paper saying that I acknowledge receipt of the landscaping and lawn in good order and they were not responsible for any dying grass or shrubs, etc. I asked to see the yard before signing. As we were walking the property our construction Superintendent ( XXXX XXXX ) left siting childcare issues. I never signed any document nor did we finish our final walk through as the house had to be locked. Once we moved in, I noticed immediately during the first rain that the yard did not drain properly ( see attached images ). The plan calls for water to move off the property however it ponds and does not move from the back. This has caused the grass to die, and hazardous conditions for our pets and selves. Mosquitos, fungus, bad odors all inhabit the yard. Taylor Morrison claims that the grass is not warranted, and there is nothing they can do about the yard holding water. They claim it is per the plan and refuse to determine why the water ponds. XXXX XXXX stated that our property was a " swale '' and that water ponding for 72 was totally acceptable. In all of our conversations with any representatives of Taylor Morrison, no one mentioned a swale, we did not acknowledge that our property is a swale, and it is inconceivable to me that they will not acknowledge the problem. During the entire process, we feel misled. There were serious misrepresentations that took place and the warranty program is a continuation of this pattern. They claim to be " the most trusted builder '' however our experience is much different.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these accounts and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that are reporting on my Credit Reports and needs to delete immediately. 
XXXX XX/XX/2021
Product: Debt collection

They are calling me, which is normal. But if I'm not picking up they call literally anyone who even remotely is connected to me. They've called both my parents, my ex-husband, my son ( who's XXXX ). None of these people are on the debt, nor are ANY of their contact information.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( 1 ) ( A ) and XXXX ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XX/XX/XXXX Balance : {$270.00} XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX XX/XX/XXXX Balance : {$92.00} XX/XX/XXXX XX/XX/XXXX Balance : {$14000.00}XX/XX/XXXX Balance : {$0.00} -XX/XX/XXXX ( Original Creditor : XX/XX/XXXX ) XX/XX/XXXX Balance : {$1000.00} XX/XX/XXXX ( Original Creditor : XX/XX/XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1 ) every one that just has finance as the company name and they are three 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to have my name and address corrected on my credit report. My name is XXXX XXXX. 
XXXX XXXX. my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM SELF-EMPLOYED OWENR OF XXXX XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit file under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( a ), and XXXX ( b ). I am a victim of identity theft resulting from a data breach, and the accounts and inquiries listed below were opened or made without my authorization. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I discovered that XXXX XXXX XXXX XXXX was reporting a reporting a debt of XXXX to all 3 credit reporting agencies. I discovered this after applying for a mortgages. The debt was for an apartment that I moved out of in XX/XX/XXXX after  giving a 30 day notice. In XX/XX/XXXX I contacted the collection agency and apartment complex requesting a breakdown of charges and validation. I gave my 30 day notice and used my complex as reference to obtain my new apartment. I was not under a lease at that time and my rent was only XXXX at the time I moved out. 
On approximately XX/XX/XXXX I sent a letter to the collection agency for a breakdown & explanation of charges. I got no response. So I started contacting the credit bureaus regarding this debt. I disputed the account online with XXXX & it was removed after the collection agency couldn't provide proof of the debt. I was unable to find options for reporting the debt online for Equifax & XXXX so chose to wait until I was able to pull & print my annual report & write them then. I contacted XXXX & Equifax by certified mail on XX/XX/XXXX. Then on XX/XX/XXXX, XXXX reported that they were unable to remove the debt it came back as validated. I have yet to see any information. As of XX/XX/XXXX I still have not heard from Equifax.
Product: Student loan

I applied for consolidation of my PLUS loans. I got a letter on  XXXX   XXXX ,    2017  stating the new monthly payment would be {$160.00} On  XXXX   XXXX ,  2017  I then got a statement saying the monthly payment was {$220.00}.
Product: Debt collection

Hunter Warfield sent a collections letter to a fictitious address with misspelled name and other mismatched details to me. Then placed this item on my consumer credit report ( s ). I contacted them to provide my correct address/phone information & request validation and verification. Never received any validation or verification. Contacted again by email approx. a month later to launch ID theft dispute. Company requested two forms of ID. I sent a letter detailing the ID theft, photos of state and federal identity documents, FTC Identity Theft Report, and FTC notice to data furnishers letter. I sent several follow-up letters ; however, they will not remove the accounts and meet their obligation under the law. Disputed with XXXX  agency under FCRA, when XXXX contact collections agency they provided the details I used to initiate fraud claim to also substantiate initial debt reporting. Put simply, they verified the debt with information they requested from me to dispute it. I am forwarding a copy of this complaint to the XXXX  XXXX XXXX XXXX to compel a response from Hunter Warfield within 20 days, per XXXX  website their counsel will review both parties documentation, make a determination and consider appropriate action against agency. This report is now submitted for reference and resolution of account reporting concerns.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX : XXXXXXXX XXXX  Account Number : XXXX {$25000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX XXXX Account Number : XXXX {$9000.00} XX/XX/XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXX XXXX Account Number : XXXX {$33000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$35000.00} XX/XX/XXXX XXXXXXXX XXXX XXXXccount Number : XXXX {$34000.00} XX/XX/XXXX EXPERIAN : XXXXXXXX XXXX Account Number : XXXX {$25000.00} XX/XX/XXXXXXXX XXXX  Account Number : XXXX {$6600.00} XX/XX/XXXX XXXX FCU Account Number : XXXX {$30000.00} XX/XX/XXXX XXXX Account Number : XXXX {$9000.00} XX/XX/XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXX XXXX  Account Number : XXXX {$33000.00} XX/XX/XXXX XXXXXXXX XXXX Account Number XXXX XXXX {$34000.00} XX/XX/XXXX XXXX : XXXXXXXX XXXX Account Number : XXXX {$25000.00} XX/XX/XXXXXXXX XXXX Account Number XXXX XXXX {$6600.00} XX/XX/XXXX XXXX Account Number : XXXX {$9000.00} XX/XX/XXXX XXXX Account Number : XXXX {$45000.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$35000.00} XX/XX/XXXX XXXX Account Number : XXXX {$33000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$34000.00} XX/XX/XXXX
Product: Debt collection

My credit report shows a debt in collections that I do not owe, never did business with the company nor do I know anything about delinquent debt with the company called XXXX XXXX XXXX. I never applied for credit nor conducted business with this company. The amount reported in collections is {$280.00}. I do not have any accounts in collections. My credit score dropped XXXX points today. The collection company name is Transworld System Inc. I called TSI this morning and the company had nothing on file relating to my social security number. I called XXXX two times and a dispute was submitted awaiting this FTC complaint. Thank you.
Product: Student loan

When I started to lookup how to consolidate my loans, I did not know what I was doing, I did not know what plan was best for me nor did I understand the terms. FedLoan Servicing told me what to fill out and that they would " select the best plan for me '' and of course as it turns out it was not the best nor was the payment affordable. I am now stuck in the plan because they refuse to switch me and I ca n't afford the payment. I spoke to another servicer and they said that I should not have a problem switching. 

I have spoken to them many times trying to explain what happen an how their agents mislead me about their plans and did not fully explain them and still they refuse to budge. Now I 'm a month behind already and still ca n't afford the high payment they set. 
There is a plan that would make my payments affordable for me and would help me pay my loans on time but they refuse to switch me to the plan.
Product: Credit reporting or other personal consumer reports

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe  financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Product: Credit card or prepaid card

I paid for a credit repair service. The person who repaired my credit disputed my Capital One spark account and it was closed for fraudulent activity. I called them to confirm it was NOT fraudulently and they told me after the investigation is completed I still will not be able to get my account back. No one was able to give me an explanation as to why I couldn't get my account back. Now I receive a letter in the mail saying they have confirmed it was my account and the activity was not fraudulent but still my account is closed.
Product: Credit reporting or other personal consumer reports

In accordance with 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 XXXX XXXX XXXX XXXX Account name : DEPT OF EDXXXX XXXX., Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$540.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and contest the accuracy of certain accounts listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. These inaccuracies, specifically late payments, do not reflect my financial behavior or history accurately. I have taken proactive measures to address these discrepancies by contacting the respective banks associated with these accounts. I am pleased to inform you that after thorough investigation, these banks have acknowledged the errors and have agreed to update my accounts and remove the late payments. Furthermore, I would like to bring to your attention that other credit bureaus have already updated these accounts on their records. Therefore, I kindly request that you expedite the process of updating my credit report to reflect these corrections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts are reported on my credit report. 
I have disputed and submitted in my IDENTITY THEFT report to XXXX, XXXX and Transunion. And they are not following the following listed code.

15 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft.

I have asked for Method of Verification or signed documents with my signature on it from all credit Transunion after the dispute results stated that the account verified it belong to me. It has been past 30days and they have failed to provide method of verification that debt belongs to me. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE FRAUD ALERT OFF XXXX, EQUIFAX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

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
Product: Debt collection

XX/XX/XXXX XXXX I have reached out to the company and debt collector also made a dispute. 
XXXX XXXX XXXX and XXXX I have reached out to the company and debt collector also made a dispute. 
XX/XX/XXXX XXXX I have reached out to the company and debt collector also made a dispute XX/XX/XXXX XXXX and XXXX I have reached out to the company and the debt collector also made a dispute. 
Date opened XX/XX/XXXX recent balance XX/XX/XXXX XXXX I have reached out to the company and debt collector also made a dispute. 
Date opened XX/XX/XXXX recent balance XX/XX/XXXX XXXX I have reached out to company and debt collector also made a dispute. 
XXXX XXXX I have reached out to company and made a dispute. 
XXXX XXXX I have reached out to company and made a dispute. 
XXXX XXXX I have reached out to the company and made a dispute. 
XXXX XXXX I have reached out to the company and made a dispute. 
XXXX XXXX I have reached out to the company and made a dispute. 
XX/XX/XXXX I have reached out to the company and made a dispute. 
XXXX XXXX i have reached out to the company and made a dispute. 
XX/XX/XXXX I have reached out to the company and made a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my updated credit report and found several errors which I believe are inaccurate and unverifiable. The accounts listed below affect my credit scores and cost me thousands of dollars a year. Please re-investigate the account identified as inaccurate. I look forward to seeing my information updated to reflect the appropriate changes. 

XXXXXXXX XXXX XXXXXXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 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 extra credit union