23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I began working with Amerisave in XXXX to refinance my existing mortgage. I provided the requisite documents and paid their {$500.00} fee. What followed was an endless demand for additional documentation that has now become redundant and ludicrous or irrelevant. I spoke to a representative, XXXX, earlier this week to review and clarify the remaining questions and issues. A few days later, I received yet another boilerplate email asking for the information I had discussed with XXXX earlier in the week. Because of their delays, the process rolls into a new month so then they ask for updated profit statements ; it appears there is no end in sight. Reviewing XXXX and XXXX, evidently, this has been their M.O. for years -- they take their fee and then bury their customers in demands for documentation -- you sued them in 2004 with a settlement in the millions for a " bait and switch. '' As an example, they are now asking for 2 or 3 copies of business receipts. My XXXX is a XXXX of XXXX XXXX XXXX XXXX XXXX that do about XXXX XXXX a year. Acquiring receipts isn't just impossible and ludicrous, it's redundant because the company 's income is reported in federal tax returns ; nobody would report more income than they are really making because it would mean they're paying more in taxes than they should have to pay! The loan officer is XXXX XXXX and the latest round of demands have come from XXXX XXXX. They've changed their operations a bit since they lost the lawsuit in 2004 but from my experience, they continue to operate in an unreputable fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

The address on my credit report for XXXX XXXX is incorrect. I disputed the inquiry and they said they verified it and for me to contact the company. When I sent the letter to the company it came back. This is n't the first time I had a letter to return because of the wrong address. I have attach another letter that was returned to show that they are reporting incorrect information on my credit report.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against TransUnion for their persistent refusal to remove fraudulent accounts from my credit report, despite multiple attempts on my part and submission of all necessary documentation. As a victim of identity theft since XXXX, I am protected under 15 U.S. Code 1681c2 ( FCRA 605B ), which mandates consumer reporting agencies to block information identified by a consumer as resulting from identity theft and to notify the information furnisher accordingly. 
TransUnion has failed to comply with these legal obligations by refusing to delete the following fraudulent accounts from my credit report : XXXX. XXXX XXXX XXXX XXXX Number : XXXX : XX/XX/XXXX, XXXX : {$91000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Number : XXXX : XX/XX/XXXX, XXXX : {$78000.00} XXXX. XXXX XXXX XXXXAccount Number : XXXXXDate : XX/XX/XXXX, XXXX : {$560.00} XXXX. XXXX XXXX XXXX Number : XXXX : XX/XX/XXXX, XXXX : {$2000.00} XXXX XXXX XXXX XXXXAccount Number : XXXX : XX/XX/XXXX, XXXX : {$2100.00} In response to my inquiries, TransUnion has sent numerous stall letters and has failed to take action despite my submission of identity verification documents, police reports, and all relevant information supporting my claim of identity theft. Additionally, there are incorrect or fraudulent accounts associated with these discrepancies. 
I kindly request that the Consumer Financial Protection Bureau intervene promptly to compel TransUnion to comply with federal law by immediately removing these fraudulent accounts from my credit report. I also request an investigation into TransUnion 's handling of identity theft disputes to ensure they adhere to regulatory requirements designed to protect consumers. 
I appreciate your prompt attention to this matter and look forward to a resolution. 
Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

THIS IS NOT MINE. XXXX NEEDS TO DELETE THIS NOW ITS BEEN ON MY CREDIT PORTFOLIO FOR YEARS. XXXX REFUSES TO VERIFY THIS IS MINE. THERE IS NO SOLID EVIDENCE THAT I OWE THEM ANYTHING. I NEVER USED THEM IN MY LIFE. PLEASE REMOVE THIS FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Company Didnt Properly Investigate Disputes Claims That I Filed Multiple Times Also No Reason As Why My Disputes Were Denied They Only State That The Information On My Credit Report Was Accurate I Never Claimed Ownership To The Debts When I Initially Filled My Disputes And No Evidence Of The Company Findings Was Provided To Me Showing Why The Reports Was Accurate These Claims I Made Was About A Charge Off From XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These Accounts Need To Be Removed From My Credit Report Because I Dont Claim Ownership To The Debts And The Company Im Complaining About Did No Investigation Or Little To None
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my twelve endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXInquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX ) XXXX Balance {$950.00} XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Balance {$1500.00} ; XXXXXXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXXXXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX XXXX Balance {$4500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have personally disputed an inaccurate account with this CRA as well as the furnisher of this information twice. On XX/XX/2022 i mailed in a certified letter to Equifax to dispute this incorrect information they are reporting. I called into Equifax on XX/XX/2022 to ask why no dispute has been opened on my behalf about this account and was told that i disputed this account before and they will NOT reinvestagate this account. 
Equifax is reporting an account from XXXX XXXX XXXX ( a debt collector ) on behalf of XXXX XXXX XXXX due as of XXXX XXXX in the amount of {$1000.00}. I have a letter from the original company stating that the amount of {$1000.00} was due on XX/XX/2022. How can an account be past due from XXXX if it isnt due until XXXX. I also sent a certified letter to this company to verify this debt with NO RESPONCE. This inaccurate account needs to be DELETED!
Product: Credit reporting, credit repair services, or other personal consumer reports

LOST OF FRAUDULENT INQUIRIES Creditor Name Type of Business Date of inquiry Credit Bureau XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All Banks XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
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  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX : XXXX Account Name : XXXX 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 Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number XXXX 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 XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX XXXX, XXXX/XXXX  have inquired over 15 times on my Equifax Credit Report without my authority. I have since confirmed with XXXX XXXX  and their private label cards for them to remove the fraudulent inquiries from my credit report. I have been going back and forth with Equifax to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. PROCOLLECT IN THE AMOUNT OF {$3900.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH NONE OF THE ABOVE ACCOUNTS AND THEY HAVE NO CONTRACTS BEARING MY SIGNATURE. I HAVE INFORMED XXXX   XXXX AND XXXX MORE THAN ONCE THAN THIS ACCOUNT DO NOT BELONG TO ME AND ARE A RESULT OF IDENTITY THEFT PLEASE REMOVE. I HAVE CONTACTED PROCOLLECT ON NUMEROUS OCCASIONS THEY HAVE NO CONTRACTS NO PROOF AND FAIL TO PROVIDE THE LEGAL BINDING DOCUMENTS BEARING MY SIGNATURE. THIS IS A FRAUD ACCOUNT. I DID NOT MAKE AN BUSINESS TRANSACTION WITH THIS COMPANY OR WHOMEVER THEY REPRESENT. I WILL BE FORCED TO SUE IF NOT REMOVED IMMEDIATELY.
Product: Checking or savings account

I was looking to purchase XXXX knives and I ended up on what I thought was the XXXX website which was actually XXXX. It was an exact mimic of the actual XXXX website which I had visited previously. On XX/XX/year>, I purchased XXXX knives totaling {$860.00}. I tried to use my credit card and for some reason the site would not take it so l used my debit card. After the purchase was made, I called my credit card company to find out why they would not authorize my transaction and they said it was a fraudulent transaction from a place in XXXX selling XXXX trying to put through the authorization. I immediately called my bank WSFS to cancel the debit card for the authorization. I immediately called my bank WSFS to cancel the debit card transaction. They said they could put in a dispute on it but could not cancel it right away, When WSFS Bank contacted me saying the transaction was from XXXX in XXXX I said that I did not authorize the transaction and a provisional credit was placed on my checking account on XX/XX/year>. I did receive the knives and there was a thumb XXXX missing so I emailed them and they did send a thumb XXXX but it was suspicious because it did not match the picture. The package came from the XXXX XXXX in XXXX address that I mentioned above. WSFS bank debited my account again for the {$860.00} on XXXX because I did authorize a transaction for this amount and received merchandise. After looking at these knives and ones I had purchased previously, I realized that these knives are counterfeit. Many of the features and hardware do not match the website photos on XXXX 's actual site. WSFS bank did not listen to me that this was a scam, when my credit card bank knew that it was fake, and let the company debit my checking account. I even received an email from XXXX saying that the money had been taken back from them by my bank and asking me to make another purchase on the site for that amount with the understanding that I would not receive merchandise for the purchase. I contacted WSFS Bank and they said that I will have to deal with the merchant. I sent an email to the email address that WSFS Bank had provided ( XXXX ) asking for an address to return their counterfeit merchandise to them. They asked me to send a copy of the packing box, the tracking number, and the merchandise. I have copies of both of these emails, too. I don't want these knives and I want my money back. I am disappointed especially with WSFS Bank since I have been their customer for XXXX years.
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 609 ( a ) ( 1 ) ( A ) and 611 ( 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 : XXXX XXXX XXXX Balance : {$190000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX  XXXX XXXX Balance : {$56000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$190000.00} XXXX, XXXX XXXX Balance : {$720.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX  XXXX XXXX Balance : {$56000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$190000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX  XXXX XXXX Balance : {$56000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX XXXX Balance : {$3400.00}
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed 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
Product: Mortgage

On XX/XX/XXXX, I filed a XXXX XXXX Bankruptcy, in which my loan was reaffirmed with JP Morgan Chase .The reaffirmation agreement amended the terms in my XXXX modification agreement. 

My annual Percentage rate of interest was 2.3750 % variable prior to bankruptcy 2.3750 % fixed rate with the reaffirmation agreement. 

I did not realized that Chase was not applying the correct interest rate until XXXX of XXXX, when I started the process of refinancing my mortgage. At that time I reached out to Chase to rectify this error. I submitted the reaffirmation agreement which clearing shows that my interest was reaffirmed at a fixed rate. 

I requested multiply times a refund of overpayments which they applied toward my interest, and for last three months I have been going back and fourth with their escalation team and received no resolution. 

They have been applying an interest rate of 4.750 % and it should be 2.3750 %. 
I am now requesting a refund for the overpayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent correspondence to equifax multiple times with no response to the inaccuracies on my report. I have sent one letter without police report and another letter with 2 police reports in order to clear this matter.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XX/XX/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
Product: Credit reporting

There is information on my report that is not mine. I live in XXXX, and have all my life. There are adverse accounts that originate in XXXX.
Product: Mortgage

Caliber recently mailed a letter to my co-borrower, XXXX XXXX, only. I did not receive a copy. What was contained in that letter? Why was it sent? Caliber refuses to provide me a copy. Please provide me a copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer Finance/BBB. 

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! You must provide documentation as of its accuracy or remove it immediately without prejudice. XXXX ACCT : XXXX XXXX : {$130.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$630.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. This is again a demand to remove and block such information from the report in question. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XX/XX/2020 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, XXXX am the Heir/Beneficiary of the XXXX XXXX, Estate/Cestu Que Trust ( `` herein the Cestui Que Trust '' ) registered securities. CAPITAL ONE AUTO FINANCE ( herein the " Custodian '' ) both opened an account absent my written consent, and/or a P.O.A. to do so. No where in the initial contract does it express the Custodian intent to convey/communicate the entity 's private financial identifying/account information to third parties such as XXXX, XXXX, and/or XXXX absent my written consent to do so in violation of the Privacy Act of 1974, and the Northwest Ordinance of 1787 Section 14 / Article I, and in violation of the included Financial Privacy Rule therein Gramm-Leach-Bliley Act of 1999 which requires financial institutions such as the Custodian to provide consumers with a privacy notice when the Consumer relationship is established and annually thereafter. The privacy notice must explain what information the institution collects about the consumer, where that information is shared, how it is used, and how that information is protected. The Custodian have never provided the mandated privacy notice. The notice must also identify the consumers right to opt out of the information being shared with unaffiliated parties and notify him or her if the privacy policy changes. The account information being communicated is part of a federal record in direct relation to my Treasury securities which are being maintained on a commercial book-entry credit system by financial institutions/brokers. Due to non-disclosure of material information in the Cestui Que Trust foundational negotiable instrument, and due to the fact that I am the beneficiary of the accounts/assets being maintained by the Custodian, and due to the fact that all the Credit Bureaus are using private property for public use for unjust enrichment and without providing the Cestui Que Trust just compensation in violation of the 5th Amendment of the U.S. Constitution, The XXXX XXXX account # XXXX and any/all collateral securities, as assets, heretofore owned and hereinafter acquired are hereby ORDERED to be retitled as follows : The Director of the Internal Revenue Service, Trustee of the XXXX XXXX, Cestui Que Trust for XXXX XXXX Estate, as Beneficiary. I, XXXX, XXXX hereby give notice of this Revocation of Power of Attorney. It is hereby particularly stated that the assumed, presumed, and/or implied Power of Attorney executed by the Estate and/or Cestui Que Trust, as Primary by which the undersigned Authorized Agent comprises CAPITAL ONE AUTO FINANCE, XXXX, XXXX, and XXXX XXXX as acting attorney-in-fact for the purposes set forth in the alleged power-of-attorney is hereby wholly repealed, cancelled, and void, and as I have informed XXXX report number XXXX, We opt out of any of the named Custodian and Credit Bureaus reporting, conveying, using, selling, and sharing any account information from CAPITAL ONE AUTO FINANCE absent direct written consent from XXXX, XXXX, as Heir/Beneficiary. 

Signed By : XXXX, XXXX, as Heir/Beneficiary