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

I got denied a checking account because of my XXXX  XXXX  credit score... etc. 

South state bank denied my application for a checking account Because of my XXXX  XXXX credit score.
Product: Debt collection

My son contacted me saying that he had a voicemail telling him that I had used his address for legal reasons and that sheriffs were going to come to his house looking for me. So I called the number that they left they answered the phone as " legal office '' and proceeded to let me know that I owed a debt to check and go from 2017 and there's being charged with bank fraud check fraud defrauding a banking facility etc and that I was going to go to XXXX  on XXXX XXXX if I did not pay this debt. I gave them my bank information instead of a payment plan, which I am getting ready to close that account now that I know that it was fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the bank to get a business capital loan from XXXX XXXX XXXX  and i was denied a XXXX loan because of fraudualent information on my report dropped my score down dramatically I filed an FTC REPORT which is attached to this complaint. I NEED THIS REMOVED ASAP. When I called into XXXX and i spoke to the fraud dept, with an agent name XXXX at XXXX pm XX/XX/XXXX Who refused to help me. when i asked to speak to a supervisor he denied me and said that they will only tell me the samething. I then asked to speak to the supervisor again. He put me on hold for over 20 minutes and hung up the phone i never spoke to the supervisor. I am disputing this fraudualent infomation with all Credit reporting agencies XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I am writing to file a formal complaint against Citibank regarding their refusal to honor the Platinum Mastercard Promo, which I believe constitutes a clear violation of consumer rights and fair banking practices. Despite my repeated attempts to resolve this matter directly with Citibank, the bank has failed to address my concerns satisfactorily, leaving me no recourse but to seek your intervention. 

In XX/XX/2023, I applied for and was approved for the Citibank AAdvantage World Elite Mastercard. Shortly thereafter, within 48 hours of activating the World Elite Mastercard, I realized that the Platinum Select Mastercard might better suit my travel needs. I promptly contacted Citibank 's customer service department to facilitate the card change. 

During this call, Citibank 's representative assured me that I had 14 days to make this card change and provided information about the differences in the rewards promotion associated with the Platinum Select Mastercard. I acknowledged these differences and agreed to the terms of the Platinum Select promo. 

From XXXX through XXXX of 2023, I diligently used my Citibank Mastercard for all purchases to meet the spending threshold required for the promotional rewards. However, when I reviewed my XX/XX/2023 statement, I found that the rewards had not been reflected. 

Upon contacting Citibank 's customer service, I was initially assured that I had met the spending threshold and would receive the rewards on my XX/XX/XXXX statement. However, when the statement arrived, the rewards were still missing. Subsequent inquiries revealed that Citibank considered my card change a " conversion '' rather than a new card promo, disqualifying me from the rewards. 

Despite escalating my concerns to Citibank 's management, I was met with indifference and a refusal to acknowledge their miscommunication and mishandling of the situation. This treatment is unacceptable, and I believe it is indicative of Citibank 's disregard for its customers ' rights and fair business practices. 

I am seeking your intervention to ensure that Citibank rectifies this matter immediately. Specifically, I request that the Consumer Financial Protection Bureau takes the following actions :
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account Bankruptcy XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX  have both completed their research and determined that Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the credit reporting agencies regarding inaccuracies on my credit report on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. 

The only investigation that was opened was my dispute sent in XXXX and ever since then, not a single investigation has started. 

I called XXXX  and had an in-depth conversation with a representative regarding my account. The only dispute investigations they have on file was the initial dispute letters they received on XX/XX/2020, and that's it. Not one investigation has been opened since and I have all of the tracking numbers to prove that they did in fact receive my letters. 

I have also not been able to talk to a representative from Experian. Every phone number I can find doesn't give you the ability to speak with someone. I used the Experian app and website and haven't been notified about any disputes for several months either. Again, I have all of the tracking information to prove they received my letters. 

Below, you can see all of the tracking details for the letters I have mailed.

Round 1 XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Experian : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 2 Experian : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX XXXX : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 3 Experian : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 4 Experian : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX XXXX  : Date Sent XX/XX/2020 Date Received XX/XX/2020 Tracking XXXX Round 5 Experian : Date Sent XX/XX/2020 XXXX  : Date Sent XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account name : XXXX Date : XX/XX/2021 Account name : XXXX XXXX Date : XX/XX/2021 Account name : XXXX XXXX Date : XXXX XXXX, XXXX  has violated my rights 15 U.S.C 1681 section 602 A. States I have a 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 contacted the creditors and Equifax numerous times via phone mail online about these fraudulent inquiries on my credit report : Equifax -XXXX  , XXXX XXXX, XXXX /mail, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX , XXXX, & XXXX. These inquiries are affecting my credit score. Please have these removed ASAP as I did not authorize them.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Unauthorized Disclosure of Financial Information Under 15 U.S. Code 6802 Dear Sir/Madam, I am writing to formally dispute the unauthorized disclosure and use of my personal financial information in violation of 15 U.S. Code 6802. I believe that my financial privacy has been compromised due to unauthorized access and sharing of my nonpublic personal information. 

Details of the Dispute : XXXX  XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$17000.00} XXXX  XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX  XXXX XXXX Balance : {$290.00} Nature of Unauthorized Disclosure : My personal financial information was shared with third parties without my explicit consent. 
Supporting Documentation : Identity Theft Report, Proof of Identity ( ID, Bill and SSN ) Fraudulent Inquiries XXXXXXXX XXXX  Date XXXX inquiry XX/XX/year> XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/year> XXXX XXXX Date of inquiry XX/XX/year> Legal Basis for the Dispute : Under 15 U.S. Code 6802, financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without first providing notice and an opportunity for the consumer to opt-out, except under certain circumstances. In this case, I did not receive the required notice, nor was I given an opportunity to opt out of such disclosures. 

Requested Action : I request that you immediately investigate this matter and take the following actions : Cease any further unauthorized disclosure of my personal financial information. 
Correct any records that have been improperly shared or disclosed. 
Provide me with a written statement confirming that these actions have been taken. 
Ensure that all my rights under 15 U.S. Code 6802 are fully respected moving forward. 
Please treat this dispute as urgent. I expect a written response within the time frame specified by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I received a notice that owed Regions Bank {$50.00} annual fee and because I did not pay it I was charged a late fee of {$30.00} on my line of credit and it was reported to the credit bureau. I called Regions Bank customer service on XX/XX/XXXX to pay the {$50.00} annual fee, close the account and I asked them to waive the {$30.00} late fee. The person I spoke with said he closed my account and put in a request to waive the late fee. To my surprise, I opened a statement from Regions on XXXXXXXX XXXX XXXX to find out my account was still open and they charged me an additional {$30.00} late fee and reported me to the credit bureau again. I called customer service again and asked to speak with a XXXX. The XXXX said she saw where I made the {$50.00} payment in XXXX and that my account was closed but could not tell me why I was still being charged a {$30.00} late fee and why it was still showing. She told me to call back this week to make sure it was removed. My complaint is that they are ruining my credit with these unjustified late fees and told me I will have to dispute it with the credit bureaus. The late fees were not warranted and I should not have been reported to the credit bureaus. I have not used this account in over XXXX XXXX and should not have been charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is much more related to my ability to reach Experian for clarity on my credit report. I have spent two days trying to reach some, was hung up once and as of today I have been on the phone for a 1 hour and a half on hold. The first person who I reached the 55-minute mark, was in the XXXX and was not aware of the Senate Bill S.2592. It appears Experian is just interested in selling their membership and if you do not have one they connect you with someone in another country that is not familiar with United States law.
Product: Mortgage

I want to complain about Quicken Loans who holds my second mortgage. I was trying to refinance my first mortgage under the XXXX program to lower my monthly mortgage payment. 
Quicken refused to subordinate their loan although I have 75 % loan to value on the first and a combined loan of 95 %. I ca n't imagine why they are doing this. I declared bankruptcy about 6 years ago and could have included the second. I wanted to do the right thing and have continued to send my payment XXXX which became Quicken, over the years.
Product: Credit reporting

In XXXX 2015 I paid several outstanding medical bills. These were removed from my credit report only to be re-added again. I contacted both Trans Union ( I have heard nothing ) and the collection service. They promised to have these items removed 3 weeks ago. That was supposed to happen within 7 days. Its has not. 

My credit rating rose to XXXX XXXX XXXX and and 2 days later dropped to XXXX. This was direct result of the paid items being re-added. I was about to refinance my home and am now unable to secure a better rate. 

Thank-you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

My debit card was charged XXXX unauthorized transactions on XX/XX/year> as listed below : DATE : XX/XX/year> AMOUNT : {$280.00} LOCATION : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> AMOUNT : {$51.00} LOCATION : XXXX XXXX XXXX I contacted my bank Citibank to file a claim for these fraudulent charges. Each time, I was told by Citibank that I would have a decision within 10 days. As of today, I have not received any communication about the status of this claim. Below are the details of my calls with Citibank. 
XXXX I opened claim regarding above charges with Citibank XXXX Claim # XXXX. 
XXXX I called Citibank due to not receiving any update and was told claim had to be resubmitted. Claim resubmitted under claim # XXXX. 
XXXX Called Citibank to follow-up due to not receiving any update. Was told claim had to be resubmitted. Resubmitted claim under new claim # XXXX. 
XXXX Called Citibank to follow-up. Claim elevated to supervisor under same claim # XXXX. 

As of today, XX/XX/year>, I have not received any update or correspondence regarding this claim from Citibank.
Product: Debt collection

I have been trying to obtain a proper debt validation from XXXX XXXX XXXX, Second Round Up, XXXX XXXX as well as from the three major credit bureaus with no such luck. Attached is a copy of dispute results from XXXX showing theyve deleted this from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

An incorrect delinquent account status was reported to credit agencies and now reported on my credit report. The account is for a student loan where the student is still finishing his last semester and hence, the payments are not due. However, as of XXXX of 2020, WF has been asking for payments!!
Product: Credit reporting or other personal consumer reports

Upon reviewing my online Transunion and XXXX credit profile I noticed several errors and fraudulent information including addresses that are not in association with me, name that does not belong to me the living entity as well as over 15 inquiries that I have no knowledge of. 
I requested in good faith to have these items removed with XXXX directly online and also contacted transition as well as filed a ftc report. The inquiries are as followed XXXX XXXX XXXX XXXX XXXX ( reporting online to both XXXX and Transunion inaccurately ) -I have no knowledge of this account XXXX XXXXXX/XX/year> ( reporting only to Transunion inaccurately ) XXXX I have no knowledge or record of this account XXXX  again XX/XX/year> ( reporting only to Transunion inaccurately ) - I have no knowledge or record of this account XXXX XXXX XX/XX/year> reporting only to Transunion inaccurately )- I have no knowledge or record of this account XXXX XXXX XXXX XX/XX/year> reporting only to Transunion inaccurately )- I have no knowledge or record of this account XXXX XXXX XXXX XXXX  XX/XX/year> reporting only to Transunion inaccurately )- I have no knowledge or record of this account XXXX XXXX XX/XX/year> XXXX reporting only to XXXX inaccurately )- I no knowledge of this account XXXX XXXX XXXX XXXX XXXX XXXX reporting only to XXXX inaccurately )- I no knowledge of this account XXXX XXXX XX/XX/year> ( reporting only XXXX XXXX inaccurately )- I no knowledge of this account XXXX XXXX XXXX again ( reporting only to XXXX inaccurately )- I no knowledge of this account XXXX XXXX XXXX XXXX ( reporting only to XXXX inaccurately )- I no knowledge of this account XXXX XX/XX/year> ( reporting only to Transunion inaccurately )- I have no knowledge or record of this account XXXX XXXX XXXX XXXX XXXX ( reporting only to XXXX inaccurately ) -I have no knowledge or record of this account XXXX again XX/XX/year> ( reporting to both XXXX and Transunion inaccurately )- I have no knowledge or record of this account XXXX XXXX again XX/XX/year> ( reporting only to XXXX inaccurately )- I no knowledge of this account XXXX XXXX XXXX XX/XX/year> ( reporting only to XXXX inaccurately )- I no knowledge of this account XXXX XXXX  XXXX XX/XX/year> ( reporting only to XXXX inaccurately ) - I no knowledge of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

The public information record of XXXX  XXXX Bankruptcy thats listed on my Experian, XXXX and XXXX XXXX credit report is incorrect. The public information record is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was illegally evicted from my apartment and erroneously billed for breaking my lease. The landlord 's representative sold this debt to XXXX XXXX XXXX, who added this fake debt to my credit report. I appealed the court 's decision, which was reversed on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, the landlord settled and the judgment was vacated. However, over a year later, XXXX XXXX XXXX has not removed this fake debt from my credit report. I disputed the charge with Experian to remove it and they will not. They stated, " XXXX XXXX XXXX Account Number : XXXX Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' However they did not share how the creditor certified this fake debt. It certainly was n't with court documents!
Product: Credit reporting, credit repair services, or other personal consumer reports

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 accounts 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 XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$200.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$6300.00}