davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (PA)

I submitted a complaint again XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-08-17
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: HYUNDAI CAPITAL AMERICA (LA)

XXXX XXXX XXXX XXXX XXXX XXXX the company I called and spoke with the XXXX and stated to him that their company ran my credit without my consent and I have plenty of inquired from their company as if I were trying to obtain credit and he stated he will not correct the issue that I need to contact the credit reporting bureaus. 

XXXX XXXX, XXXX XXXX XXXX XXXX, and on XX/XX/XXXX : I contact the companies and I let the sale managers know there are plenty of unauthorized inquiries on my credit report and the sales XXXX stated I have to call the credit reporting bureaus to have them remove the inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted these XXXX companies by mail and they stated the inquiries are accurate after I stated to them they were fraudulent and unauthorized inquiries made. They replied and stated to contact credit reporting bureaus and add them to add a fraud alert.
Consumer complaint received 2023-07-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete 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 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.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AZ)

Chase bank closed my account after depositing two cheques of XXXX each from my employer. When i contacted them they say there can not verify the cheques nor return my money. I gave them every evidence of where the money came from and even contacted XXXXXXXX XXXX XXXX XXXX for them to verify the cheques came from them and chase bank did nothing. I gave them the number of the owner of the business for them to contact her they have refused to do with claim they can not verify nor release the funds
Consumer complaint received 2023-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

I received an email on XXXX stating my mortgage payment was due. I never received a bill as I have for many years now. I called and it turns out when they asked me to go paperless LIKE ALL MY UTILITIES, PHONE, CREDIT CARDS, ETC. I thought I would receive any email with the bill. Wells Fargo said that it was my job to go online to their website and see my bill. This was not my understanding when I signed up per their request. I thought they would do what all other companies do. They told me I owe late charges. I spoke to four individuals supposedly going up the chain and all of them told me they would not waive the fee because they waved one ( IN ALL THE YEARS I HAVE BEEN WITH THEM AROUND 15 YEARS ) in XXXX. They waived it because the payment I sent in was a day late. I MAILED IT A WEEK EARLY AS I DO WITH ALL MY BILLS INCLUDING ALL THE ONES, I SEND WELLS FARGO. When I called them to ask for proof of the late payment as NO OTHER PAYMENT, I MAILED WAS LATE THEY TOLD ME THEY COULD NOT SUPPLY PROOF-I HAD TO TAKE THIER WORD FOR IT. 

This time since I DID NOT RECIEVE A BILL AND CAN'T RECALL THE NEED TO GO ONLINE THOUGH I WAS NOT AWARE I NEEDED TOO IT WAS CLEARLY ALSO THIER FAULT. I have gone back to paper affective immediately, but this really bothers me. They are trying to collect more money most likely due to my low loan rate and great payment history. 

By the way I immediately went into my checking account and paid it will on the line with the last supervisor. I gave her ( XXXX is her name ) the reference number as well. 

Please help me get this fee waived as one would expect to receive a bill like all others service companies provide. Thank you, XXXX XXXX
Consumer complaint received 2016-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am a victim of identity theft and I have sent numerous police reports to Trans Union in regards to unauthorized and fraudulent accounts listed on my Trans Union credit report. The unauthorized accounts is still listed on my credit report. The following accounts are unauthorized, fraudulent and do not belong to me : XXXX, XXXX and XXXX
Consumer complaint received 2023-07-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2017-01-21
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (SC)

Hello I got this check in the mail for auto finance and I have been trying to cash it and the banks nor any store can read it. And I have been emailing a XXXX XXXX about this situation the guy who wrote the check for me and I 'm just confused as to why it 's not going through
Consumer complaint received 2023-07-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$470.00}
Consumer complaint received 2023-07-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

Greetings! This was my fourth complaint to follow up the items I requested to be investigated and corrected from my previous filing dated XX/XX/2023. Again, the 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts needed to be investigate and corrected for erroneous reporting in my file and are listed on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-02-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TFS FINANCIAL CORPORATION (OH)

I filed bankruptcy in 2006, it has recently been discharged and my mortgage company has stopped sending me statements. When I requested statements they said it 's there policy to no longer send statements to anyone who filed bankruptcy and did n't re-affirm their loan when they filed. Additionally, it 's too late to do anything now because it has been discharged and there is no way to get a statement from here on out. -
Consumer complaint received 2023-07-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$19000.00}
Consumer complaint received 2023-07-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-27
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: EQUIFAX, INC. (FL)

This is my second 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX IN XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX XXXX : {$480.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$960.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX XXXX : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$960.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$10000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$5700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$960.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-08-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (SC)

So today I went to get my car serviced.They looked up the Vin on my car and told me that my car is supposed to be XXXX XXXX with a sunroof. My car is XXXX XXXX and I am paying for a car this XXXX XXXX with a sunroof silver. XXXX XXXX sales told me that my car is a XXXX but why is everything is telling I have a XXXX. I have been having problems with this car since I had it.
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (PA)

Citi Bank XXXX XXXX Broke State laws when they failed to offer me extended extensions on payments due to covid-19. They also illegal reported negative information ( Missed payments ) This illegal to currently report the credit bureaus under the current state laws due to the pandemic.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax has not removed a fraudulent account that was a result of identity theft. This account has already been removed from XXXX XXXX and XXXX and I have supplied all supporting documents, I am a victim of identity theft and this fraudulent account needs to be removed immediately.
Consumer complaint received 2023-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

This account was disputed on XX/XX/XXXX with the CFPB and deleted from my credit report on XX/XX/XXXX due to it being a result of fraud identity theft. The dispute result stated that item would not be reported by the reporting agency I.C. System, Inc, however, the same agency reported the item on XX/XX/XXXX three months later, violating the agreement and going against the ruling of the CFPB. 

This account was re-reported to my credit report on XX/XX/XXXX. As a result I was denied on my rental application the same day that I applied which was XX/XX/XXXX. At this point this account has caused enough problems after Ive already proven that it is not mine. 

This account and debt do NOT belong to me and are a result of identity theft! There are many inaccuracies in the information on the account in question. My name, the account was used at an address that I have never lived in or been associated with, the email address on file does not belong to me, and I have not physically lived in XXXX or rented or owned an apartment or home since XXXX. I have NEVER had any services with XXXX.
Consumer complaint received 2020-04-25
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. (OH)

This is my 3rd time disputing these address on my credit file. I have never lived in XXXX XXXX  in my life and I and a victim of fraud and I want these fraudulent addresses removed from my credit reports. My name should appear as XXXX XXXX XXXX XXXX XXXX SS XXXX my only address should be XXXX XXXX XXXX  XXXX OH XXXX. Please delete the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (KS)

I has an inquiry passed on that should be taken out or blocked. Per FCRA segment 605, Equifax and XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Equifax and XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/2022 XXXX.
Consumer complaint received 2023-08-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings (TX)

I was tricked into signing up for this XXXX account I was told I could get it if I applied for XXXX if I didnt have the money upfront so I did and I got approved I think for XXXX $ XXXX thought that was that the person that came over didnt tell me the total cost of what I was paying and that I would owe even more than what I got approved for. Before I could figure anything out and after services were rendered I got this big bill. I ended up getting XXXX n got rid of house n security system and they decided to add this balance to my account
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OR)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.