23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit on XX/XX/XXXX and I noticed that there were multiple accounts and inquiries on my credit profiles. I became aware that my XXXX  account has a XXXX account ( Account number XXXX ), XXXX  XXXX  XXXX  XXXX XXXX ( Account number XXXX ), XXXX  XXXX   IL XXXX XXXX ( Account number XXXX ), and XXXX  XXXX  XXXX  XXXX XXXX ( Account number XXXX ) and has the following inquiries : XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XX/XX/XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX   XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX I became aware that my XXXX  account has a ability recovery service account ( Account number XXXX ), XXXX XXXX XXXX ( account number XXXX ), XXXX XXXX XXXX ( account number XXXX ), XXXX XXXX XXXX ( account number XXXX ), XXXX  XXXX  XXXX  ( account number XXXX ) and has the following inquiries : XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX  XXXX, XXXX XXXX/XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX/XXXX  XXXX XXXX   XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX XX/XX/XXXX ; XXXX/XXXX  XXXX  XX/XX/XXXX ; XXXX/XXXX   XXXX  XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX I became aware that my XXXX  account has a XXXX  XXXX  XXXX account ( Account number XXXX ), XXXX XXXX XXXX ( account number XXXX ), XXXX XXXX XXXX ( account number XXXX ), XXXX XXXX XXXX ( account number XXXX ), rent recovery solutions ( account number XXXX ) and has the following inquiries : XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX   XXXX  XXXX XX/XX/XXXX
Product: Checking or savings account

My hisband deposited our monthly retirement checks from   XXXX    XXXX   XXXX . The two checks came to about {$3000.00}. We had requested the automatic deposit, but  XXXX  said they would have to pay us this month with a paper check. My husband used the ATM, and they put a hold on the {$1300.00} check. They put a  1  0-day hold  on the other check for about {$1600.00}. I called customer service and explained the origin of the check. I have  two c hecks the are going to return and charge me about {$60.00} in NSF charges, not including what the merchant will charge. I spoke to  3 di fferent levels of management  ( or  so they said  ). I t old them that I wanted to speak to someone who the wherewithal to make an accommodation. I was told I could speak to a decision making level by making an appointment. It would take  2 we eks before the would call me. I do n't know what I expect you to do, but I am irate. We deposit an additional {$6000.00} every month in the account. I would like others to know about their egregious behavior.
Product: Credit reporting or other personal consumer reports

I noticed that my credit score with you company is significant different from XXXX and XXXX. For example, my score with XXXX is XXXX and XXXX is XXXX and with Experian is XXXX and this is impacting my FICO score. I'm always on time with all my payment. I haven't request for a new credit cars or loans for months. Why this is happening? Why my credit score decreases in the past couples of months? I would like to know the reason. I'm attaching a copy of my credit scores from XXXX and XXXX. 
Thanks.
Product: Credit reporting or other personal consumer reports

The following accounts were fraudulently opened under my name : XXXX XXXX XXXX XXXX of {$18000.00} XXXX XXXX XXXX Self Financial Lead Bank XXXX XXXX XXXX. 
XXXX XXXX XXXX amount of {$940.00} XXXX XXXX XXXXXXXX XXXX Collection amount of {$1000.00} XXXX XXXX XXXX XXXX  Balance of {$550.00} In accordance with my rights under federal law, I request the immediate removal of these accounts based on the provisions outlined in the following statutes : 15 U.S. Code 1692c This section addresses communication in connection with debt collection, particularly prohibiting communications regarding debts that have not been legitimately incurred by the consumer. 
15 U.S. Code 1602 ( p ) This section defines the terms related to consumer protection, specifying unauthorized transactions. 
15 U.S. Code 1601 This provides the basis for consumer credit protection and outlines the need for fair and accurate credit reporting. These laws exist to protect individuals like myself from fraudulent financial activity and to prevent the continued damage caused by unauthorized accounts. 
As I am a victim of identity theft, these accounts have been opened fraudulently, and I bear no responsibility for the debts or actions related to these accounts. I have already taken steps to report this identity theft to the appropriate authorities and agencies, including filing a police report and notifying the Federal Trade Commission ( FTC ). Copies of these documents can be provided if necessary. 

I kindly request that the CFPB facilitate the removal of these accounts from my credit report and ensure that these creditors and collection agencies cease all attempts to collect on these fraudulent debts. This situation has caused significant financial and emotional distress, and I hope for a swift resolution to restore my credit and peace of mind. 

Thank you for your time and assistance in this matter. Please feel free to contact me at [ XXXX ] or [ XXXX ] if you require any additional information or documentation.
Product: Student loan

I recently called to inquire about a " fee '' that appears on my bill every month, and learned that it is a past due late fee from some previous late payment. I have been paying that fee in addition to the " amount due, '' per the instructions on the bill which clearly states " total amount due '' which includes the itemized " fee. '' In accordance with regulations the late fee portion of my bill will not be allocated any of my payment until the outstanding interest has been paid in full, and my monthly payment does not cover the interest. Therefore, every payment I have made has included a fee for the late fee that has been allocated only to the interest. When asking about this, Navient informs me I do not actually need to pay that late fee, as it will simply be added to the balance at the end of the loan. My efforts to explain to the customer advocate that the bill clearly miscommunicates this in two places as " total amount due '' each month that includes the " fee '' have been met with condescending disregard. I wrote a letter clearly detailing this concern asking for reasonable rectification, and again was told there was nothing amiss.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX RE : UPDATED & VERIFIED ACCOUNTS TO YOUR COMPANY, I HAVE RECEIVED THE REINVESTIGATION DISPUTE RESULTS FOR MY VERY SPECIFIC AND DETAILED DISPUTE I SENT TO YOUR COMPANY WITH SUPPORTING DOCUMENTATION THROUGH THE CFPB TO DELETE THESE ACCOUNTS, BUT THE ACCOUNTS WERE STILL UPDATED AND VERIFIED AS ACCURATE. YOU WERE REQUIRED TO CONDUCT A REASONABLE INVESTIGATION, BUT THIS DID NOT HAPPEN, AS YOU FAILED TO DO ONE. 
SEND ME A DESCRIPTION OF YOUR REINVESTIGATION PROCEDURES FOR EACH INDIVIUAL ACCOUNT LISTED BELOW. IF YOU CAN NOT GIVE ME THE DESCRIPTION OF YOUR REINVESTIGATION PROCEDURE FOR EACH INDIVIDUAL ACCOUNT WITHIN 15 DAYS, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. 
XXXX. DELETE : ( XXXX XXXX ) ( ( UPDATE PAYMENT HISTORY FOR XX/XX/year> TO PAID ON TIME, NEVER LATE, PAID AS AGREED XXXX. PAID AS AGREED, PAID ON TIME, NEVER LATE/UPDATE : ( XXXX BANK ) ) ( I OBJECT TO ANOTHER REINVESTIGATION ) I REFUSE ANOTHER REINVESTIGATION ) YOU HAVE 15 DAYS TO RESPOND TO THIS LETTER WITH THE INFORMATION REQUESTED
Product: Credit card or prepaid card

My husband and I stayed at a XXXX on XX/XX/2021 ; we were charged three different amounts on the XXXX XXXX XXXX even though we only stayed at 1 Hotel. It is impossible to stay at three different hotels on the same night. We disputed the charge but they refused to remove the other two charges.
Product: Credit card or prepaid card

My original complaint which photo will be attached i was told by the Board of governors of the federal reserve to submit my complaint here. I am writing in concern to an assessment due on CFO XXXX XXXX of AMERICAN EXPRESS COMPANY XXXX XXXX XXXX, XXXX XXXX XXXXXXXX for breach of fiduciary obligations. I have written the CFO three times in relation to adverse action on my credit card account and he has consistently ignored my letters. I would like for review and for resolution.This egregious error by CFO XXXX XXXX has held me from performance of the contract in which I have a secured interest. I would like for him to properly do his job so I can do mine. If I am unable to get resolution in 10 business days I will take action to court for breach of contract. Attached will be a photocopies of the documents sent mail with tracking numbers & signature as proof of delivery to his office. Some photos reference previous letters tracking number
Product: Checking or savings account

XX/XX/XXXX Mailing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( I don't feel comfortable giving putting my social on Chex Systems website ). 

Chex Systems Complaint XXXX : XX/XX/XXXX Phone : XXXX I, XXXX XXXX, hereby state the following is true : Today, I was denied the ability to open a checking account by the following banks due to information reported by Chex Systems : XXXX. XXXX XXXX  XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX I have been a victim of identity theft and have filed an FTC complaint ( # XXXX ) as well as several CFPB complaints. 

Here are five recent lawsuits filed against Chex Systems where customers won or reached settlements in XXXX and XXXX : XXXX. XXXX v. Chex Systems ( XXXX ) - The plaintiff filed suit alleging identity theft and improper handling of her case by Chex Systems. The case focused on the company 's failure to address the fraud appropriately, citing violations of various consumer protection laws. 

XXXX. XXXX XXXX Chex Systems ( XXXX ) - This case was filed in the XXXX XXXX XXXX for the XXXX XXXXXXXX XXXX XXXX. The plaintiff claimed that Chex Systems wrongfully reported his banking information, causing him to be denied banking services. 

XXXX. XXXX XXXX Chex Systems ( XXXX ) - In this case, filed in the XXXX XXXX XXXX XXXX the plaintiff alleged that Chex Systems inaccurately reported banking information, resulting in financial harm. 

While detailed outcomes of specific cases are sometimes not fully publicized, many of these lawsuits have resulted in settlements or rulings in favor of consumers, leading to financial compensation or the removal of negative marks from credit reports. 

These cases illustrate the frequent legal challenges against Chex Systems for misreporting and failure to resolve customer disputes effectively. 

I am requesting Chex Systems remove any and all negative information associated with my name or DOB. I have never had any delinquent accounts or issues in the past. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Prepaid card

XX/XX/year> - I tried to use my prepaid Amex Gift Card but was unable to do so at XXXXXXXX XXXX XXXXXXXX XXXX for the amount of {$75.00}. 
XX/XX/year> - I tried to use my prepaid Amex Gift Card but was unable to do so at XXXX for the amount of {$75.00}. 

Each time, I entered in all information correctly and was still unable to use the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE MULTIPLE ACCOUNTS ON MY CREDIT REPORT THATS INACURATE AND UNFAIR AND SOME ACCOUNTS ISN'T EVEN MINE. THE CREDIT REPORTING AGENCIES SUCH AS ( XXXX, XXXX, TRANSION ) HAVE REPORTED THESE INNACCURATE AND FRAUDULENT ACCOUNTS ON MY CREDIT FILE WITHOUT EVEN CONSULTING WITH ME TO EVEN FIND OUT IF THESE ACCOUNTS WHERE ACCURATE OR EVEN MINES.. AS I UNDERSTAND IN PURSUANT TO 15 USC ( A ) ( 2 ) UNDER THE FCRA THEY CANT REPORT ANYTHING TO MY CREDIT FILE WITHOUT MY CONSENT WHICH THEY NEVER DID.. MY CONSUMER RIGHTS HAVE BEEN VIOLATED..
Product: Bank account or service

I opened a checking, savings, secured credit card, investments, and ROTH IRA with USAA bank. From hearing from friends and family of how happy they were with the service, that is what prompted me to open accounts with them. So far I have been extremely happy, until XXXX XXXX, 2015 when I tried logging on to the internet to view my account balances. I receive a message stating " Due to past difficulties, we can no longer offer you access to usaa.com. If you feel that we have restricted your access in error, please call toll-free XXXX. ( XXXX ) '' I immediately contacted the bank and was informed that they will be closing my accounts due to a criminal record that was discovered. At no point in time before, during or after was I informed of a criminal record check, nor did I ever authorize for my records of any sort to be accessed. After reviewing their account opening agreement, and other disclosures, nowhere does it state that a criminal record search maybe conducted and/or may bar you from an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There appear to be a internal coding error of inaccurate information VIOLATION OF FCRA AND REQUISITE XXXX COMPLIANT REPORTING STANDARDS nonconsensual reporting to my consumer file in connection to said mentioned UNAUTHORIZED INQUIRY XX/XX/2021 XXXX my consumer right to privacy has been violated pursuant to 15 U.S. CODE 1681 section 4. congressional finding and statement of purpose : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer right to privacy. 15 U.S CODE subsection 6801 protection of nonpublic personal information ( A ) privacy obligation policy It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumer customers and to protect the security and confidentiality of those consumers nonpublic information. 12 U.S CODE SUBSECTION 1843 Interests and nonbonding organizations ( k ) ENGAGING IN ACTIVITIES THAT ARE FINANCIAL IN NATURE 15 U.S.C CODE DEFINITIONS ( 3 ) ( A ) ( 4 ) NONPUBLIC PERSONAL INFORMATION
Product: Student loan

I have a loan with FEDLOAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureas and FEDLOAN with no successful resolution. All 3 bureausonly reporting me late. There was definitely an error on their part. I was never 120 days late.
Product: Credit reporting or other personal consumer reports

Hard Credit Inquiry Removal Request Dear Sir/Madam, I am writing to formally request the removal of unauthorized credit inquiries from my credit report. I recently obtained a copy of my credit report from your bureau, dated XXXX  and noticed several inquiries that I did not authorize. These are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously contacted these companies and requested the removal of these inquiries, as they were made without my consent. However, despite more than 60 days passing since my initial contact, I have yet to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

We paid off the life of the auto loan balance but several weeks later we get a letter saying ( paraphrasing ) " you still owe late fees for this account. '' However, we know for sure before the loan was transferred to GM financial we did not have late fees and the deferment payments was added to the back of the loan in which we were told. So, I do n't know why we still owe late fees when we paid off the life of the loan, please explain that to us.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( XXXX5 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked them in XXXX to remove these crazy inquiries that arent mine I sent in and am again here my id theft report to delete this, they picked and chose some and left others this isnt okay Im sending proof again and want them all deleted please XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX 2025
Product: Mortgage

My home will be taken away come XXXX XXXX 2015 by XXXX. I have n't tried to save it for I lost hope! I have not replied to the banks for which I did n't care anymore. The home I reside in has been a family home which was left to me and I worked on it to make a better place until 3 years ago when family was complaining how I inherited the home and they got nothing. They disowned me as a family member, which was hard for me because family was everything to me!! I was trying to move on then the following year my house had been broken into several time for the past year. Found out it was a family member and his friends who were on drugs and stole to supply their habit. Last time he did it parents told me to turn him in as I did and he was sent away and has recovered but how difficult it was me to be the XXXX to do it. I was so low in life that I was hating my home more than ever. Then last year I was waking up from the dark and ready to get help for my home. As I was set to start I had lost my job. I did walk straight into a new job however it was just minimum wage. I love my new job and I 'm a hard worker, my boss will give me a great review if this were to go any further. I had a raise and have great opportunity for commission as well. I have belief that I can do this now if I could be given this chance.
Product: Checking or savings account

I had a client write me a check from her bank ( Chase bank ), i then deposited the check into my chase bank account and they closed my account and will not give me my money. They say they are not able to verify the check which they have verified one for me already from the same client 2 weeks prior. It has been over a month and they keep giving me the run around and I try everyday to get my money released. I have been to the branch multiple times and I have spoken to the branch XXXX and she can not help me.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The XXXX and XXXX Credit Bureaus is reporting inaccurate information on BK OF AMER. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

I've recently requested a copy of my report and noticed there has been some fraudulent accounts reporting on there. My identity was stolen about XXXX years ago. As of now, I am still not aware of the suspect that Is responsible for such criminal act in my name. There's Different accounts review the attached documents below for more information.
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. 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

In accordance with the Fair Credit Reporting act Convergent Account XXXX Account # 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 reporting, credit repair services, or other personal consumer reports

I have XXXX Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XX/XX/XXXX