davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (GA)

As of XX/XX/2023, I was affected by an outage that Venmo had when everyone else was able to login three days later I am still affected as I call every day and spent countless hours in emails doing the same repeated thing, and they give me the same answer that its being escalated. Well, I have found out that its not being escalated as they are just told to say that and they have no solution. currently I am homeless as all my funds were in there, and I can not access anything they do not care and have not done anything. I need immediate attention I have been more than patient. Please do something immediately I know Im not the only one affected. They will not even reimburse me and then debit my account so I could get a motel room to live in.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (WI)

On or around XXXX someone stole my credit card and started making fraudulent transactions. I became aware of this in XXXX, and I notified TARGET/TD BANK N.A of this matter. They initially credited my account but soon after reversed the correction stating that I made payments to the card. They also said that they verified me through public records with my phone calling in to make those payments. I did not authorize or allow anyone to use my credit card. They also closed my card without reason stating that I did not make payments on these fraudulent transactions. the total of this fraudulent amount is {$7500.00} these transactions started on XX/XX/XXXX and ended on XX/XX/XXXX. I filed a dispute with them on XX/XX/XXXX and then I followed up with an appeal on XX/XX/XXXX. They have since then closed my account and continue to charge interest on a balance that I did not create.
Consumer complaint received 2023-09-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (FL)

Talked with XXXX from XXXX XXXX. She set up conf call with XXXX at United XXXX. XXXX was to get back with me on XXXX XXXX XXXX. Did not call back. Escrow problem is not solved. Escrow is short over XXXX dollars.. Initial contact date was the XXXX XXXX  XXXX.. United wants to raise payment over XXXX per month, Waiting for reply
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

There is information on my consumer report that is a result in identity theft. I did not provide written permission it instructions for identification transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : or is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the information related to any transaction by me as the consumer. 
Please remove the listed accounts due to identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

We were contacted by a telemarketer via phone stating that they were calling from XXXX XXXX XXXX  which we are members of, with promotions to book our stay at XXXX XXXX. We were looking for a trip for our daughter who is turning XXXX. We went ahead and booked from XXXX with a total cost of {$3600.00} + {$50.00} bank fees, flights included. We have emails back and forth with promotion, total cost and requesting payment. When attempting to make the payment with our traveling credit card, payment was declined but because chase  does that to us more often than not when its international we didnt think much of it. They asked us to wire the money to reserve our flight and stay. Yesterday XX/XX/XXXX at around XXXX we stopped at chase to complete the wire. Today XX/XX/XXXX in the morning, I saw an email from XXXXXXXX XXXX XXXX alerting us of suspicious and/or fraudulent activity. I decided to call and confirm that we had indeed made reservations. Unfortunately I came to find out that it was in fact a fraud. We immediately reached out to chase to let them know about the fraud. Receipt showed that funds wouldnt be wired until today XX/XX/XXXX and available until XX/XX/XXXX. Per chase, all they can do is send the bank in XXXX a letter notifying them of the fraud but advised us that money was basically lost. We also contact the bank in XXXX and made them aware of this issue. Information below is where fund were wired INFORMACION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 attached screenshots of email with information in regards to our supposed reservation
Consumer complaint received 2024-05-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC (CO)

I have called multiple times yesterday XX/XX/2024. We refinanced my mortgage with a new lender on XX/XX/2024 and I did the closing XX/XX/2024. We was told I would be reciving a refund of {$3500.00} from XXXX XXXX XXXX XXXX from my escrow account. On XX/XX/2024 I only recieved a check of {$340.00} I called them to see why we received a check of {$340.00} a supervisor told me that {$900.00} were paid to XXXX XXXX tax ( I called the county and verified and they did recieve that payment ) so I told the supervisor where is the rest of {$2600.00} she said {$1800.00} went to FHA or HUD, and that {$200.00} was paid to mortgage insurance in XXXX ( which I no longer had a loan with village capital in XXXX ) I called FHA and HUD and were told that they do not receive and refunds from the escrow accounts. I called again today XX/XX/2024 and they keep making stories up. I want to know where my money from my escrow account. At the end the representative provided me with a break down : Out of the {$3.00}, XXXX which {$900.00} went to the county so I was left with {$2600.00} and {$1800.00} went to HUD or FHA and plus {$200.00} went to morgage insurance was left with {$550.00}. We recieved a check of {$340.00} and on XXXX Village Capiatl paid XXXX to mortgage insurance.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/2023, I went to a car shop in nj to look at a car XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had told me I can get a loan better than the one my bank has given me I told them no Im okay, he asked again I said I dont want anymore hard pulls on my credit he them told me thats this wouldnt be a hard pull it would be a soft pull, he lied and XXXX XXXX made another hard pull on my credit after I just gotten my credit pulled by my bank and had a loan already
Consumer complaint received 2023-09-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (MT)

Westlake Financial Services has called me XXXX times from XXXX XXXX XX/XX/XXXX, usually up to 3 times daily. On XX/XX/XXXX, XXXX called XXXX times in XXXX XXXX hours : the first call at XXXX XXXX, the XXXX  at XXXX XXXX., then again at XXXX XXXX, and again at XXXXXXXX XXXX 
XXXX XXXX a.m., XXXX a.m., XXXX p.m., XXXX p.m., XXXX p.m., XXXX p.m. That is XXXX times in XXXX DAY!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, again another XXXX times a day. 
XX/XX/XXXX : XXXX a.m., XXXX a.m., XXXX a.m., XXXX p.m., XXXX p.m., a total of XXXX calls. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This brings the total number of calls in the half of XXXX to XXXX calls, which ONLY includes the calls labeled as XXXX XXXX. As there have already been XXXX calls made this month, I expect a harassing amount of calls for the remainder of the month.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion inquiry ( XXXX XX/XX/2021 ) XXXX inquiry ( XXXX XXXX These inquiries i have contacted both XXXX and XXXX companys and reported the inquiries i then contacted transunion and XXXX to have them deleted made a ftc complaint let them know i had the report and still refused to delete them Solution delete the XXXX and XXXX from my credit report from both transunion and XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (GA)

Usc article 9 part 6 In accordance with the Fair credit reporting act has violated my rights 15 usc 1681 section 602 A states I have the right to privacy.

15 usc 1681 section 604 a section 2 states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # XXXX I have tried repeatedly to state my case that I experienced financial hardship during COVID and that was only reason for my late payments. I was not granted forebearance as was required. In addition, I am specifically identifying that my account contains multiple errors that have negatively hurt my credit : multiple instances of 60 day late payments that were actually 30 days and all 3 agencies specifying late payments that don't even match with each other. These are clear inaccuracies that I can articulate if I simply had the chance to discuss with someone instead of being messaged and dismissed. XXXX continues to give me the run around, continues to leave these inaccuracies, and I need protection! 

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.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX  XXXX Balance : {$200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (FL)

Dear Sir or Madam, I am writing to file a formal complaint against LVNV Funding LLC and Resurgent Capital Services L.P. regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) and the emotional distress and hardship this situation has caused me. 

On XX/XX/year>, I submitted a request to LVNV Funding LLC and Resurgent Capital Services L.P., seeking validation of a debt they are reporting on my credit report. In my request, I specifically asked for various pieces of information, including the original creditor 's name and address, the date and amount of the original debt, a copy of any agreements bearing my signature, proof of their license to collect debts in my state, and the name and address of the collection agency if different from their own. 

While LVNV Funding LLC and Resurgent Capital Services L.P. provided some information regarding the account, such as the original creditor 's name, the date and amount of the original debt, and copies of statements, they only provided a card agreement that does not bear my signature. This does not fulfill my request for validation of the debt according to the FCRA. 

Furthermore, I want to emphasize that during the time XXXX XXXX XXXX  opened this account, I had an extended fraud alert in place requesting all creditors to contact me directly for verification before opening any new accounts. However, I did not receive any such communication from XXXX XXXX XXXX, indicating that this account is not mine and that my identity was not properly verified. 

This situation has caused me significant emotional distress and hardship. The uncertainty and frustration resulting from LVNV Funding LLC and Resurgent Capital Services L.P. 's refusal to provide the requested documentation have impacted my mental well-being and financial stability. 

I am requesting that the Consumer Financial Protection Bureau intervene immediately and require LVNV Funding LLC and Resurgent Capital Services L.P. to remove the debt from my credit report until they can provide the requested validation in accordance with the FCRA.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 
XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX ", XXXX XXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, 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 an 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 or 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.