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

I have information on my credit report that doesnt belong to me i would like the accounts removed from credit. I have a FTC REPORT I FILLED. 


Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXquifax 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

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian, per the attached evidence, has programmed their automated dispute system to violate the FCRA.EXPERIAN is a scofflaw and thumbs their nose at the CFPB and federal law, the FAIR CREDIT REPORT ING ACT.THE CF PB CAN VERIFY BY looking at the attached evidence that every single dispute was not frivolous and legitimate.Experian wants to deny my rights to have accurate credit reports because it costs them  XXXX  dollars and strains their computer system that is not adequate to handle their  XXXX   XXXX  customers.
Product: Debt collection

The number XXXX has been calling me everyday. It is the law office of Arnold Scott Harris. I called them on XX/XX/XXXX to inquire about the debt and confirmed that it wasnt mine. It alleged I had a ticket in the city of XXXX. I have not been to XXXX in the last five years. The representative informed me that they would correct this. They never did. They lied. They have relentlessly harassed me everyday and it is wrongfully impacting my credit score. I do not have this debt. They are trying to get money out of me I dont owe. They call 1-2 times a day. Because they havent stopped calling me I assume its a scam.
Product: Credit reporting or other personal consumer reports

Ive sent multiple Dispute letters, validation letters, and spoken directly with representatives from CRAs s well as furnishers, and my documents and letters have been disregarded. Investigations have been completed and validated on companies that do not even accept phone calls. Accounts are continuing to be reported that are more than 10 years old, and legislature started in the FCRA has been grossly disregarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX The creditors on my credit report is all incorrect and I wish to have everything removed due to the companies XXXX XXXX and selling my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a newly leased vehicle with HCA Exchange ( KIA/Hyundai Motor Finance ) . The vehicle was totaled. My insurance company XXXX XXXX ) attained the pay off for the vehicle which was {$20000.00}. This was exactly what I owed and matched my pay off on the KIA finance website under my account. XXXX sent them a check on XX/XX/XXXX. Subsequently, I received a bill for an additional {$3300.00}. The HCA Exchange company stated the vehicle was valued at {$23000.00}. They have asked for me to pay the difference. My insurance company contacted them and got the payoff for the car. I don't believe I should have to pay for what they VALUED the vehicle to be, I paid what I borrowed and ultimately owed after making the monthly payments for a few months. They have put it on my credit report as past due on XXXX, XXXX and XXXX. I have a letter from my insurance agency to HCA, it reads " Contact was made with HCA Exchange INC on XX/XX/XXXX, requesting the payoff amount for XXXX XXXX leased XXXX XXXX XXXX. During this contact, a Lease Payoff of {$20000.00} was quoted. The telephone representative advised once the lease payoff was received the lease would be closed and title issued too XXXX  '' I have notified the credit agencies.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I made an electronic transfer from my personal checking acct from regions Bank to my personal savings account to XXXX XXXX XXXX in the amount of XXXX, The electronic transfer never went to XXXX XXXX XXXX but was deducted from my Regions Checking account. I telephoned Regions Customer Service at XXXX On Thursday XX/XX/year> and was told to call back on Monday XX/XX/year> which I did. I was told it could take up to XXXX business days to resolve. I called again on Saturday XX/XX/year>, then again on Thursday XX/XX/year>, then again on XX/XX/year>. On XX/XX/year>, I was told a proof of payment was mailed to Myself and XXXX XXXX XXXX, which was never received by me or the XXXX XXXX. I was told that Regions hires XXXX, case # XXXX to take care of these situations, Phone # XXXX, tried to call this phone # to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX. 

XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiry from XX/XX/XXXX Telephone Companies
Product: Bank account or service

BB & T is playing a very sneaky game with overdraft fees. I am being told I over XXXX my account on Sunday but my account still showed a positive balance on Monday of over {$100.00} so I spent money. Since BB & T uses a running balance if I spent the money it should not be visible to me anymore. They have confirmed this numerous times. The moment I knew I over drew my account, Tuesday when they emailed me, I deposited enough to cover everything plus {$50.00}. The overdraft fees continue for now XXXX more days. BB & T claims it 's because the overdraft fees were applied on Monday not Tuesday. But I was not notified of that and it was n't even visible to me. So basically there is no way for me to stop dozens of overdraft fees even if I deposit money since they are applying the fees the day before the charges clear. I have emails verifying the transfer of money and the overdraft fees being applied including exact times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX TransUnion/XXXX was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i XXXX which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1700.00}
Product: Debt collection

I received a letter from a collection company ( Jefferson Capital ) that informed me an account from XXXX was sold to them with a debit owed in the amount of {$2800.00} in my name from the year 2017. They could not give me any specifics about the amount other than saying it was an overdraft and redi reserve. They referred me to contact XXXX at XXXX XXXX whom I called and was told to contact another dept at XXXX XXXX. I called them and got no more information about this. This is the first time I have heard of anything about this. I never had anything to to with this debt.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX ; XXXX, FL XXXX. On XX/XX/XXXX the car stopped on the highway unexpectedly, I assumed it may have been the battery and had the vehicle towed to XXXX XXXX XXXX XXXX located in XXXX, Fl. In the interim I reached out to XXXX XXXX ( Dealer warranty ) at XXXX to notify them of the vehicle status. On XX/XX/XXXX I received notification from XXXX of XXXX XXXX that the Catalytic converter was missing and it appeared to have been sawed off/stolen. I believe the vehicle was sold to me with this part missing and a proper inspection would have discovered this issue. I brought this to the attention XXXX XXXX XXXX on XX/XX/XXXX and was advised to have XXXX XXXX XXXX XXXX file a claim with XXXX XXXX to review for repairs. I was notified by XXXX on XX/XX/XXXX that the warranty company would not install a new catalytic converter. I was then instructed to file a claim with my insurance company for theft, although I am quite certain that the part was missing when they sold me the car. Now I am stuck with a vehicle at the repair shop and a bill totaling {$3900.00} to add a missing part. I believe the dealership took advantage of me and knowingly sold me a vehicle that was not properly inspected which could have resulted in a major accident.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXEQUIFA XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting

Transunion is still reporting a civil judgment on my credit report when it has been paid and should no longer be reporting.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off XXXX XXXX XXXX XXXX XXXXXXXX XXXX UPGRADE XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/year> XXXX CARD XX/XX/year> Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Name : XXXX XXXX XXXX Former : XXXX XXXX XXXX  Current Address ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> XXXXs : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Name : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX and XXXX  are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit file that were not initiated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BANK OF AMERICA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and XXXX BANK OF AMERICA with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE FRAUDULENT UNAUTHORIZED INQUIRES EQUIFAX FRAUDULENT UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023
Product: Debt collection

XX/XX/2018 - Total Card, Inc sends me random letter about a debt that isn't valid and is like 4-5 years old. This was the first and only contact and isn't valid.
Product: Bank account or service

I 'm deputing the information with Bank of America, back in XXXX I close my account with them. Because Bank of America was charging me ridiculous fees of {$1100.00} amount on my accounts, I close my accounts and lift them XXXX XXXX, XXXX. And my accounts were in a positive status. 
A year later, I try opening up account with other banks and the banks would tell me that I was not approve, but I 'm thinking it has something to do with just my credit score being low. But has time progressed I notice from then I would have to check my credit report to found out about checking my credit score, and on my credit report. Bank of America had the these large ridiculous fees of {$1100.00} on my credit report and XXXX. And so I decided to try to find by calling Bank of America XXXX XXXX, XXXX, so the lady that I spoke with were in the XXXX. are telling me now that I have XXXX accounts XXXX now, not including the large amount for {$1100.00} .these fees are back in XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX on several occasions, stating that these vehicles in question were leased to dealerships one was to XXXX in XXXX, Massachusetts on the XXXX, where the salesman lost my entire Deal so they put me in the credit bureau. I fought with the XXXX how does an Entire Car Deal go missing? They had no response Im sorry but that was their issue my uncle co signed this all this happened cause. They called me and wanted that and I I had and was going to give me a great deal on the New XXXXi.which when I moved to Florida I wanted a smaller car so I traded my XXXX XXXX For a XXXX XXXX which I had to pay higher interest, and also was put in the credit bureau for this vehicle as well. I called and said that the vehicle was traded they came up with while it has wear and tear damage. The car was in mint condition. All my cars are sold to have to be charged more on interest and payments all because of XXXX two vehicles put me in the credit bureau unlawfully.
Product: Debt collection

I found several accounts on my credit report that I believe were added without authorization and are incorrect. Kindly ensure these fraudulent entries are blocked and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.