Split (2)

train · 114k rows

text stringlengths 3 20.6k	label int64 0 4
may concern writing dispute fraudulent charge account amount victim identity theft make authorize charge requesting charge removed finance charge related fraudulent amount credited well receive accurate statement request made pursuant fair credit billing act amendment truth lending act see also b writing request method...	1
sent dispute letter date received investigative result report six day violation direct violation fcra fair credit reporting act please delete amend account requested suspicious behavior going investigatve process come back investigative result whereby theyve deleted account still show credit file sure want investigativ...	1
cfpb response usaa confirms numerous temporary credit reported truth temporary credit never made usaa rep confirms usaa held consumer liable fraud reported see attatched credit card fraud claim date balance statement reported fraud usaa cfpb response held liable month later usaa sends fraud claim letter credit made per...	0
account added created unbeknownst notice concern hold accountable accuse complicity exercise malevolent hereby mark likely one might one day view civil discord would plaintiff yet declare unjust claim met deliberate determined resistance counteraction clarity claim debt collection insufficient collection much le report...	1
receiving call regarding account	2
previously notified victim identity theft please see attached requested document time	1
letter inform recently received copy credit report company publishes reviewing found number item report inaccurate account question listed please send copy document file date used verify accuracy account listed derogatory accusation including alleged inquiry must metro compliant retain report delete physically proof pe...	1
day waiting response credit bureau inaccurate information credit report negative account credit report account negative showing inquiry authorized waited much response credit bureau	1
received call student loan company stating debt needed pay never applied student loan never gone college quickly opened account review credit report found student loan fraudulent account never opened gave anyone consent open please delete item account soon possible	1
balance reflecting correct made settlement payment email clearly state settle balance balance reflected follows account ending made settlement payment towards initial balance happy confirm payment settle balance last sentence clearly state payment settle balance mean longer balance balance	0
account added created unbeknownst notice concern hold accountable accuse complicity exercise malevolent hereby mark likely xxxxne might one day view civil discord would plaintiff yet declare unjust claim met deliberate determined resistance counteraction clarity claim debt collection insufficient collection much le rep...	1
car stolen home walking door leave work car gone worked closely diligently insurance company provide every detail immediately anxious car school approaching child going different school needed car immediately car considered total loss insurance company confirmed would issuing check gap insurance would pay reminder bala...	1
chase bank closed credit card account reason due bank said chase bank never attempted withdraw payment account asked chase bank provide letter checking account tried withdraw keep giving run around need provide bank also hurt credit report process purchasing home manager call supervisor speak let speak people knowledge...	0
loan choicerecov original creditor always made payment time see always stellar payment record company tried contacting choicerecov original creditor successful resolution definitely error part	1
derogatory mark added credit report per account resolution corporation allowed fair debt collection practice act fdcpa upon research account longer responsible account additionally allowed health insurance portability accountability act hipaa protect privacy medical record third party recall giving permission image rel...	1
checked credit report purchasing vehicle realized victim identity theft filed report local police department send document u bank account opened account number date opened balance account opened u bank account number date opened balance account opened account number date opened balance never opened account victim ident...	1
account comenity capital bank one paid collection advised collection agency account would updated removed rom report updated either party original party collection agency reached party nothing done	2
various credit card sold credit card debt credit card company collection agency account supposed accurately placed hardship program designed help u consumer repayment debt lowering interest payment amount requirement account originally xxxxxxxx supposed placed protective made preset payment amount date payment ensure r...	1
dear sir madam placed credit score freeze experian need temporarily left freeze experian requires pin given mail long time ago could locate retrieve pin experian provides website service service tried numerous time retrieve pin instructed experian time asked mail id social security card proof address experian designate...	1
experian allegedly provides free credit report unfortunately simple table zero information require full credit report dispute item try dispute item logging changing password password stop working ended error page internet page pay site tired tried access dispute end going frustrated need full credit report dispute item...	1
account included bankruptcy still listed credit report according provision fair credit reporting act validation disclosure usc disputed item must reinvestigated deleted credit record within day investigation period item must removed credit report mere reporting item prior debt validation constitutes collection activity	1
cooling winter trying collect debt mine also pas statute limitation open account year rep tried communicate unethical cooling winter refuse send written signed contact verifying data fraudulent account	2
xxxxxxxx ga request investigation unauthorized inquiry may concern checked personal credit report acquired organization noticed unauthorized inquiry made contacted placed inquiry asked remove credit inquiry credit profile also asked cease illegal activity immediately date response office since sending letter business d...	1
completed loan process pay lease end amount kia motor finance date still received title kia	3
paid loan u bank last month lesser amount listed paid full week later look app say didnt pay amount full past due paid amount listed error end two app also paid balance full within day still reported late payment credit bureau called said would removed keep word even waived late fee clearly fault	1
time trying fix error alleged account wrote two letter yet inaccuracy still remain attached photo proof inconsistency inaccuracy continuously verified date last activity different across three bureau show experian show please tell information verified creditor still report inconsistently across three bureau right accur...	1
progress trying fix credit noticed collection account jefferson capital system llc never business notice said trying collect debt closed paid final bill know owe anything sent certified letter account number posted credit report asking validation debt accordance code requested verification debt including age debt itemi...	2
complaint blatant violation asked lvnv validate debt listed credit report first letter sent sent bill asked proper validation ignored request since sent letter got response provide letter upon request disputed credit bureau using factual evidence report needle say found several violation inaccuracy disputed well even c...	1
outfitted duplicate front conclusion application mpn isolated duplicate may well back close person archive besides nothing join duplicate dependably together data partitioned duplicate back close relates dependably front close application mpn report mpn given show falsely combined together one master promissory note mp...	1
check credit report notice thing belong account stopping buying dream house account listed mine sent multiple letter received feedback complaint understand really happening please help	1
sent information credit bureau investigate item report still sent anything back one letter sent middle pandemic family affected asked respond well day still nothing please help know busy law suppose respond within certain time frame	1
disputed account paid full settlement requesting removed three reporting credit bureau	1
link pnc bank account	3
purchased sofa piece carpet financed acima credit llc ut listed cash price incl monies paid store informed would contacted let know day near payoff contact made instead charged month since paying date incl early payoff made month totaling company still charging date every two week amt payoff complete racketeering compl...	3
company failed provide proper validation account per fdcpa also company failed show able legally collect debt state requested said information company failed comply final attempt handle company independently	2
paid loan full since paid loan full politely requested csr would able somehow mark previous month late time since paid entire loan full early csr said possible told everything least reconsider	3
made payment captial one unknown reason payment declined discovered card frozen eventually freeze lifted contact capital one explain payment go advised reach credit reporting agency put claim dispute late payment claim denied time complaint supporting document regarding account froze keep call xxxxxxxx get send somethi...	1
ally financial customer since time enjoyed experience greatly writing see would willing make goodwill adjustment reporting three credit agency late payment referenced account since time exceptional customer paying every month time exceptional payment history last year would like consider removing negative payment credi...	0
two account seemingly sharing account number opened fraudulently since certify mailed dispute letter including identity theft report affidavit social id utility bill verification	1
nelnet several violation bring attention demand right thing correct record removing two day late payment loan deferment see section b b state consumer notifies debt collector writing within day period disputed consumer request name address original creditor debt collector shall cease collection debt verification debt c...	3
citibank credit card year due financial cicumstances paymnets started getting late whcih never happened due high debt closed credit card issue due corona virus issue making payment citibank instead coming payment palan closed credit card pay debt want reopen credit card	2
disputed paid charge charged paid full account reporting closed paid charge fast forward account show reporting monthly month charged account reporting charge period debt paid ive contact still resolution	1
there evidentiary inclusive complaint evidence fact fact got seen statement also letter portfolio recovery associate llc whereby would request credit reporting agency delete portfolio recovery associate llc tradeline still reporting thought intimidation white supremacy act continuous delay got proceeds record time prom...	1
applied third federalfor mortgage refinance heloc approved able close yet apparently third federal say sent request payoff amount say received payoff request applied approved month later closing last email received loan officer stated would get management team involved grammar error said thought title company contacted...	3
call phone back phone identifies national credit adjuster person phone identified sounding like something different call phone back phone identify active line collector identified something like calling asking give social security number date birth even evasive maneuver argument identifying business verifying name iden...	2
received notification credit reporting agency well vendor bank name regarding significant decline credit score contacted student loan lender regarding decline credit score comment remark removed credit report caused decline informed account good standing loan currently forbearance due couple account grace period inform...	1
attempt get resolved collection lying date last activity uploaded old credit report prove date last activity lying plus ftc say collection collection account stay credit report seven year original delinquency date original debt date first missed payment account longer brought current may see collection account account ...	2
deposit made two deposit made morning account positive evening upon checking put negative contacting bank told nothing could done taken fee covered several deposit	4
received phone call today xxxxxxxx company stating lawsuit ace cash express hearing would sd court case number man spoke said would wage garnished working time due covid pay loan amount ordered never received much loan ever	3
looking credit report noticed lot inquiry called credit bureau told could help contact company given number work right research found social security information web	1
trying use financial app called bank pnc allow connect account financial management please urge pnc bank reconsider allowing	4
time complained fraudulent negative account credit report following account bee deleted sold several time verification ever provided choice point please advised debt recovery solution final notice file law suit party collection agency disputed account response previous complaint request proof contract substantiate clai...	1
filed dispute credit reporting agency regard inaccurate information reporting credit report never received notification regard investigation result day filed day demand comply credit bureau still yet receive response	1
dept placed unknown account credit report amount demand account removed	1
moved ohio visited nearest citizen bank branch located oh needed withdrawal pay staff worth monthly check refused let access money pretending lobby closed bank also closed told come back next day asked manager last name refused let access fund threatened call police leave immediately law since president fdr state clien...	4
may concern please immediately delete item listed found credit report provide copy documentation associated bearing signature employee looking computer screen seeing name listed database verification validation alleged debt complete description investigation procedure per item required fair credit reporting act procedu...	1
account paypal using transaction sold pc received paypal shut account without explanation freezed money help explanation get money pc	4
year mortgage company transferred mortgage another company last change evidently bankruptcy sure tried call answering machine said due sale asset taking call refer goodbye letter received letter letter state notice servicing transfer state servicing mortgage account transferred effective payment due mean date new servi...	2
received personal email solicitation bank america inviting open checking account receive bonus day visited local branch presented email told rep wanted take advantage offer deposited today received bonus money visited local branch spent hour agreed money due called bank main office hour told issue would investigated ch...	4
previously disputed bankruptcy response verified item accurate stating verified information court contacted court response sent multiple time stated opposite clear report credit bureau matter therefore original response verifying item court either error lie either way reporting requirement comply fcra information must ...	1
victim identity theft resulted account opened name fraud	1
process refinancing residence last week credit checked mortgage broker broker informed qualify rate attempting recent debt reported credit report reported cable utility company sent unpaid debt collection debt related account opened went unpaid called debt collection agency learned account opened apartment complex move...	1
request verification like original signed consumer contract portfolio recovery associate amount sent three letter requesting documentation like original signed consumer contract required fcra never produced sent letter original creditor sold account portfolio recovery associate sent three letter could produce verificat...	2
mortgage chase logged chase online account intending pay mortgage time realized paid mortgage small mortgage piece vacation property somehow slipped mind chaos pandemic however complaint chase never contacted notify account delinquent either email regular mail telephone paid full amount past due contacted chase told tr...	3
creditor citi add sd acct creditor never communicated u option statement mailed till late credit card charge trouble speaking native tongue every time called minute representative would get upset disconnect call could understand broken tried explain charge would listen account charged affecting ability refinance home p...	0
see multiple late mark clear violation right fcra company never responded attempt obtain proof documentation prove account reported accurately	1
denied apartment application due id theft credit report equifax refuse remove even document required remove id theft report social security number driver license via mail tracking number believe right violated would like account removed immediately	1
repeatedly entered information denied statement information found attempting replace freeze account attempted today freze implemented	1
hello contacting today regarding fraudulent matter began within well fargo pennsylvania branch providing following information help clarify present circumstance husband divorcing account holder well fargo personal business account joint personal checking closed removed fund leaving child home newborn filing protection ...	4
around notified mortgage holder property address mortgage statement incorrect corresponding ongoing concerning correction needed went back fourth month changing mailing address finally realized much paperwork property address also deed trust written documented wrong still getting run around sent generated letter writin...	3
write request bureau assistance correcting anomaly ixxxx xxxxxxxx reporting auto loan credit account recently closed sought approved refinancing financial auto loan opened since several telephone conversation date corresponded fact several different customer service agent informed receiving communication short order pa...	1
account received call collection agency advising paid settlement offer item would removed credit report month later item still reporting negatively credit report	1
credit score went put dispute transunion accept dispute credit went credit score went disputed account still active closed disagreed took card credit report card credit limit balance would like credit card used show proper credit score would like credit score reassigned	1
submitted request investigation several line trade line experian match experian responded verified requested show verified information sent report told updated answer question asked experian send document show verified item send another updated response address question finally sent request stated advised description p...	1
santander involved multi state settlement apart still reporting credit report	1
reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively v...	1
follow complaint since received unintelligible response bofa via voice message make one word number respond assuming spam received letter stating handling inquiry complaint made letter stated reach responding call happily forward make one word unavailable return call tried different day two three four five different da...	3
year credit card lower credit reason research found lot people complaining affecting credit report available credit	0
made electronic request transunion site one responded inquiry investigate remove inaccurate item credit report amount	1
applied bjs credit card comenity bank approved limit le month closed said didnt like information found credit report account opened closed within month credit report leaf negative mark credit stating creditor closed account le month opening account requested bank reopen account rank good credit score dont want extend l...	0
car involved car accident however vehicle partial pay charge high interest balance put credit showing day insurance given settle amount already	1
originally disputed item lexisnexis consumer report corrected information several item shopped online automobile insurance discovered several automobile accident still report disputed item receive response lexisnexis contacted get update request finally received letter report available website new report still list six...	1
debt collection company called nationwide recovery system attempting collect debt owe date opened medical bill system since released called company issue put hold long period address file ive never lived asked provide proof supposedly owe want bank account information every time ask speak supervisor get disconnected al...	2
sent letter regarding inaccurate unknown thing credit report day day later received response yet feel like im taken advantage ignored dispute section plainly stated failure investigate item within give reason immediately remove item credit report day deleted promtly demand account deleted immediately file iltigation du...	1
filed complaint kohl reporting account day past due tried obtain copy complaint could access online need call made payment kohl app towards account several day seeing money come decided call ensure received fund told representative time never seen anything like money received advised fund received date made payment acc...	1
check servicer misapplied fund totally incorrect account violating every financial regulation specifically check fund principal interest escrow applied specified correct account	3
app keep track score recently logged saw unknown suspicious account use open name social also saw several recent inquiry seems like person took identity open account trying continue open account name credit ran couple time account inquiry made please take unknown item report	1
informed banker year approved personal loan item credit pulled credit notice unknown suspicious account please remove fraudulent account report soon possible	1
submitted police report dispute equifax via fax equifax received confirmed via phone conversation representative disputing following inquiry told would take day dispute according fcra type matter take maximum day demanding inquiry removed credit report immediately already day since submitted information dispute	1
fraudents account collectons	1
applied received two credit card orchard bank capital one choose close credit card account documentation last payment showing apparently purchased debt owed understanding statue limitation would debt time barred point disputed three credit reporting agency success still reporting debt damaging credit need resolved trie...	2
lexisnexis show judgement report name live city ihave filed dispute lexisnexis since second time sent certified copy judgement police report showing information well copy driver license none information match lexisnexis say second time verified court information correct refuse remove spoke court said inquiry made infor...	1
decided get credit pulled due couple collection letter continued receive mail never heard place suspected identity reviewed report caught surprise couple thing never opened life thing listed application mine please remove unknown item report	1
im currently consulting fcra attorney escalating matter next level failed conduct investigation regarding inaccurate late account credit report based fcra counsel review fcra supposed conduct reasonable investigation item presented consumer failed several occasion violation law last request company follow law conduct p...	1
car totaled year still reported credit	3
month paid auto loan time never late please check eve call say well problem record fault update received update lates removed ive trying close mortgage month need fixed please help	1
wrote certified letter three bureau remove inacurrate data todate nothing called experian get answer score updated error removed agent said take month make change report need wait escalating know take day get result response bureau help please thanks	1
purchased cruise paid using chase visa credit card total amount cruise canceled due emailed offer either applying amount paid future cruise full refund chose full refund submitted refund request request acknowledged told would take day refund processed date processed refund contacted chase one month ago report chase di...	0
home loan transferred ally bank still heard nothing ally bank regarding mortgage payment new servicer make payment online provided loan ally bank reach anyone phone number find ally bank automated line ally bank state payment overdue ally bank attempting collect debt suspect may fraudulent activity part ally bank	3
due covid took forbearance month attempted get deferred repayment plan company new shellpoint mortgage company yet forthcoming communication whether repayment option selected accepted constantly rerouted voicemail subject robocalls letter saying much owed human interaction help consumer know whether approved furthermor...	3

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