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

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : FOR ROUND XXXX : Personal Information Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I mailed a multiple inquiry removal letter to each of the inquiries that I did not authorize on my transunion credit report on XX/XX/2017 in order to dispute information that was being reported on my credit report. I have also contacted the credit bureau who responded back that these inquiries were a statement of factual record of file access which again they were not and advised me to contact the creditors which I have already done. " According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I have no received a response in over a month one can assume that there was no investigation into this matter. I plan to purchase a home this year for me and my XXXX children and having this many inquiries on my credit report displays a sign of financial trouble, when this is not the case. I am submitting this complain due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting or other personal consumer reports

Firstly I noticed fraudent changes on my XXXX account, where someone had changed my email to recover my account, and got a XXXX card sent to them. 
I next noticed activity on my credit reports from several of the credit bureaus that I had no knowledge of for a XXXX XXXX XXXX  and also addresses XXXX XXXX XXXX XXXX XXXX  that do not belong to me. Ive never lived or even visited Florida. I have never opened an account of any kind with XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  myself and they did their own investigation and let me know they did determine it is fraudulent and I am not responsible for the account. 
Ive been disputing all of the inaccuracies many times on all three major credit bureaus thru phone calls and on their websites. Its very frustrating. On some it has still not been removed. Its been a source of stress for me and hurtful to my credit.
Product: Mortgage

Our mortgage was recently transferred from XXXX to XXXX XXXX. In XXXX, I contacted the company to insure that they would pay our XXXX property taxes as we escrow and have always had the mortgage company pay on our behalf. I was told that yes they would and that once they receive the bill from the taxing authority they would remit payment on our behalf before the due date of XX/XX/XXXX. On XX/XX/XXXX i went into our online account and noticed that our escrow balance had not been reduced by the tax amount. I called Customer Service on that date and was told there was an error on our account and the paperwork indicated borrower to pay. The rep took the information and assured me the issue would be corrected and taxes would be paid within 5 business days. After several more attempts and calls with customer service, we are now 2 weeks out and there is no resolution and i have received no follow-up. I keep calling customer service and told i would have a call with a resolution within 2 business days. We are now 10 days away from the final due date of property tax payment.
Product: Money transfer, virtual currency, or money service

I am filling a claim against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

They terminate my Lease, i had a deposit of {$2500.00}, they return me a MO of {$4000.00} that i was made, i give them the house key and everything, and now they said that i owe them {$4700.00}, I will add the document that they send me with the Money. 
Now I have as a collection in my credit report
Product: Mortgage

I have tried to work with Ditech, From XX/XX/2018 we have submitted documents to Ditech, we submitted requested documents. Then on XX/XX/2018 we received a letter stating that information was received and we had to wait 30 days for a response. 

Then we were notified that the loan was transferred to another servicer. We waited and then when we tried to communicate with the new servicer they had none of the information concerning our loan. 

Again on a letter dated XXXX XXXX again we received a Notice of Sale of Ownership of Mortgage Loan, but on XX/XX/2018 Ditech accepted a mortgage payment in the amount of {$2300.00} with a conformation number of:XXXX. 

We have a notice of Servicing Transfer dated XX/XX/2018 to XXXX XXXX with no new loan number and they do not have the complete file from Ditech and we have a sale date for XX/XX/2018 @ XXXX. 

What happens to all of the documents that were submitted to Ditech in XXXX, XXXX, XX/XX/2018? Why do we have a sale date when they accepted a mortgage payment from us? 
Please help us with this impossible situation. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX -- - tried to use XXXX to access my credit reports. Both Transunion and XXXX could not complete the process on their websites. I have screencaps proving it. XXXX XXXX website prevented me from returning to XXXX XXXX interface and continuing my annual retrieval process. Going to XXXX, they forced me to allow them to send me unsolicited offers to get my free credit report and to allow their subsidiary XXXX XXXX to access my reports whenever ( in order to solicit ). I could not opt out on their website immediately, instead I have to contact them afterward ( I can not see what that contact process is like beforehand because it requires me to have an account to see how hard it will be to remove their unfettered access to my records. )
Product: Checking or savings account

For over 6 months someone has kept opening accounts in my name without my knowledge at M & T Bank. I have called them to resolve the issue countless times, yet I keep receiving mail about accounts opened in my name.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Paul Michael Marketing Inc reports XXXX about a charge of {$120.00} which is n't mine.I have disputed this charge with XXXX two months ago and the dispute was in my favor and XXXX has taken that information of my credit report. 
I want Paul Michael Marketing Inc to stop reporting this charge to XXXX as its not my charge and they do not even have my social security number on file to claim it 's my charge.
Product: Consumer Loan

I received multiple calls every day in the same day stating i have a payment due I advised the company that I do know that there is a payment and that they are not allowed to contact me multiple times a day
Product: Money transfer, virtual currency, or money service

I am a PayPal account holder. On XX/XX/2019, PayPal allowed XXXX to put a take money not only from my paypal account, but they authorized payment from my credit card. They took it upon themself to act as an escrow, without any investigation, proof that they could go ahead and do so, nor offering any explanation and assistance. Instead of waiting for proof of me recieving my item, or at least having proof of a tracking number regarding the item in question. 

Since this is something that PayPal seems to engage for years now, while lobbying and being protected, potentially commiting wire fraud, it should not be based on who knows whom, but based on our laws and regualation. We are still a country that is not made up complitely of wild west. 

PayPal is not a joing member on my credit card to authorize money in my name whenever they feel like it. Furthermore, I would like to know if they are an escrow, as their business practices are rather questionable form every perspective.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

RE : ( ACCOUNTS THAT ARE FRAUDULENT ) : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : EXPERIAN HAS NOT ADDRESSED MY ISSUES THAT I HAVE BEEN DEALING FOR 5 YEARS WITH THIS COMPANY THAT WAS BUILT OFF OF SLAVERY. LETTERS THAT HAVE BEEN SENT TO EXPERIAN 'S CEO AND CFO THAT HAVE BEEN SENT CERIFITED TO HEADQUARTES OFFICE AND BY EMAIL CONTINUE TO BE IGNORED. WHICH IS A VIOLATION OF FAILURE TO RESPOND. I HAVE WRITTEN LETTERS AND DISPUTED TIME AFTER TIME THAT EXPERIAN IS INCORRECTLY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT AND EXPERIAN HAS CONTINUED TO VIOLATE AN ORDER TO CEASE AND DESIST THAT WAS SENT IN XX/XX/2023. EXPERIAN HAS BEEN SUPPLIED COUNTLESS TIMES, SUPPORTING DOCUMENTATION, PROOF OF IDENTIFICATION, AND ACTUAL AND FACTUAL CONSUMER LAWS THAT EXPERIAN CONTINUES TO VIOLATE, THERE IS NO SATISFACTION IN RESOLUTION. EXPERIAN CONTINUES TO VIOLATE MY CONSUMER RIGHTS. WHO, WHAT, WHEN, WHERE, HOW? ARE YOU EXPERIAN VERIFYING THIS INFORMATION? YOU ONCE AGAIN DO NOT HAVE MY PERMISSION TO CONTINUE TO REPORT ON MY REPORT WHICH IS A VIOLATION OF 15 US CODE 1681b PERMISSIBLE PURPOSE. EXPERIAN YOU CONTINUE TO VIOLATE THE TRUTH AND LENDING ACT 15 U.S. CODE 1601 CHP. 41. YOU CONTINUE TO REPORT ON MY CREDIT REPORT AND YOU EXPERIAN HAVE VIOLATED AN ORDER TO CEASE AND DESIST, WHICH IS AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. IT IS AGAINST THE LAW TO REPORT ON ANY CREDIT REPORT ESPECIALLY FRAUDULENTLY WHICH EXPERIAN HAS VIOALTED 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE. EXPERIAN YOU WAS SENT A FTC REPORT PROVIDING YOU IN FULL DETAIL OF ALL ACCOUNTS THAT ARE REPORTING FRAUDULENTLY AND YOU STILL WILL NOT REMOVE WHICH IS A VIOLATION OF 15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT. PLEASE LOOK UP AND DEFINE ALL LAWS YOU HAVE VIOLATED, BECAUSE YOU ARE NOT DOING YOUR JOB CORRECTLY WHICH CAN LEAD INTO A LAWSUIT. EXPERIAN YOU CONTINUOUSLY VIOLATE LAW 15 US Code 1681e ( b ) - MAXIMUM ACCURACY. PROVIDE TO ME MY WET BEARING SIGNATURE, THE ORIGINAL CONTRACT WITH MY SIGNATURE, THE PROMISSORY NOTE THAT IS BEING EXCHANGED ON THE FIRST AND SECONDARY MARKETS. YOU HAVE ALSO VIOLATED 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION, 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION,15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION, 15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE, 15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS, 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE - PLEASE TELL ME THE PERMISSIBLE PURPOSE YOU HAVE? YOU DID NOT GET PERMISSION FROM ME IN WRITING TO REPORT ON MY CREDIT REPORT. THE ONLY PIECE OF INFORMATION YOU HAVE PROVIDED IS A WAISTED OF PAPER. YOU ARE NOT SUPPOSE TO ASK A CONSUMER FOR THEIR SOCIAL SECURITY NUMBER WHICH IS A VIOLATION OF 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU NOW HAVE 3 DAYS TO REMOVE THIS FRAUDULENT INFORMATION OFF OF MY REPORT. FAILURE TO RESPOND IN TIMEFRAME GIVEN WHICH IS 3 DAYS WILL RESULT IN A LAWSUIT. YOU EXPERIAN KNOW THAT YOU CONTINUE TO VIOLATE MY CONSUMER RIGHTS AND LAWS. THIS IS FINAL!
Product: Debt collection

The attached referenced collection agency has violated my consumer rights and I have asked the company to validate the debt that they say that I owe with them by providing me with a copy of the purchase agreement and the bill of sale. The company has failed to provide any proof that the debt is valid. I have also advised a cease and desist until documentation is provided for the validation of debt with their company under the fcra laws 15 usc 1692 g. I am demanding that this be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original creditor name XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts are in dispute : XXXX XXXX XXXXXXXX Account # xxxxxx XXXX, XXXX XXXX XXXX  Account # xxxxxx XXXX XXXX XXXX XXXX Account # xxxxxx XXXX XXXX XXXX XXXX Account # xxxxxx XXXX, XXXX XXXX Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX Account # xxxxxxxxxxxxx XXXX, US BANKRUPTCY XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit card or prepaid card

Comenity Bank - Store Card JCREW I had one monthly statement where I was 2 days late in making my payment for a purchase amount of {$14.00} which was paid in full back in XX/XX/XXXX. I had requested for a grace period reversal of a late fee and the bank refused. Since then the bank had continuously charged me monthly late fee and interest which have now accumulated to {$200.00} as of XX/XX/XXXX. I have also made a dispute to the bank of these charges. 

At this point, the bank is totally taking advantage of continuously charging me this late fee and interest while the account is closed.
Product: Debt collection

The Company Assestcare has reported to my credit report. I have taken all measures to have them remove this. This is FRAUDULENT. Not my account and upon research this company does this to other people.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting 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 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( 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 1681s-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 cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

Contacted Wells Fargo in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to dispute two late payments for XX/XX/XXXX and XX/XX/XXXX. Wells Fargo contacted me on XX/XX/XXXX, and admitted they were not being proactive with enrolling me in Servicemember 's Civil Relief Act ( SCRA ) benefits. They asked for documentation of my service prior to the date of my loan. I went to the branch and provided all required documentation. The documents were faxed to the number listed on the letter provided by Wells Fargo. I called a week then a month later and discovered the late payments were not removed. I was told I would be contacted and was not. Furthermore, the late payments have still not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union told the CFPB that they had deleted the XXXX XXXX XXXX XXXX account off of my credit report. It was deleted but today they put it back on my credit report. It was deleted but today they put it back on my credit report The information violates regulation Z and it also violates FCRA laws that state in accurate information must be removed A letter was provided to Trans Union as proof that I was never late on this account and yet they have put it back on my credit again
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 30-60 ) days late on the XXXX-MORTG account number # XXXX. ( Please see page attached from my credit report. ) I have not missed any mortgage payments. I have also attached my bank statements showing the timely consecutive monthly payments on this account. I have contacted the ( 3 ) bureaus to remove these late payments however, I have not been successful. This incorrect reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that I wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX ( Original Creditor : XXXX XXXXA ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX NA XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX Balance : $ XXXX BANK XXXX XXXX XXXX : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account number : XXXXXXXX XXXX Account number : XXXXXXXX XXXX  Account number : XXXXXXXX XXXX XXXX Account number : XXXX XXXX, XXXX. 
Account number : 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