Split (2)

train · 114k rows

text stringlengths 3 20.6k	label int64 0 4
company fix problem account number open date drop date account number open date drop date account number open drop date account number opened drop date company contact numerous time past two year hired credit repair organization	1
american enterprise illegally reinserted account credit report account almost year old reason sent registered letter requesting validation made pursuant fair debt collection practice act fair credit reporting act receiving reply american enterprise decided send second registered letter requesting validation document co...	1
fraudulent account open texas using stolen identity reported fraud fraud department contacted fraud assured fraud account would closed removed credit reporting agency notified requested delinquent account removed also wrote letter trans union supplying affidavit email correspondence substantiate claim transunion invest...	1
may concern american express centurion card holder year since never missed payment never late accumulated point several year monday trying buy coffee card denied immediately called american express said payment late late true payment due also monday account manager proceeded use approximately book flight son goto colle...	0
thank help even nothing happens already feel better someone try help issue transunion fixed rating rating b rating consider low risk lender absolutely correct transunion almost criminal keeping low signed see would change score instead movement despite fact gone consistent thing gotten transunion marketing product peop...	1
two degree overall navient incredibly difficult work despite making clear numerous account manager want repay loan high unmanageable given clear description promissory note many year ago mother cosigned two loan father cosigned one undergraduate graduate degree navient informed several year ago could released yet pursu...	3
nca added account showing delinquent never contracted business receipt request behalf please supply information fully informed think owe debt owe including name address creditor debt currently owed account number used creditor amount owed debt started different creditor provide name address original creditor account nu...	2
good morning shocked today reviewed credit report found late payment student loan account disputed account nothing sent legally verify accuracy legitimacy reporting continues report incomplete inaccurate unverifiable information therefore impossible investigated verified accurate hows possible youve reported day late l...	1
disputed debt guilty breech contract trying use collection agency attempt extort amount send dispute letter collection agency choose ignore put credit report unethical illegal	2
company contract legal right collect said debt reporting debt violation fcra section section b section b e please provide true certified copy complete audit final forensic internal audit said account furthermore order company validate debt please provide verification audit certification debt entry accordance accordance...	2
victim identity theft two acount bbva compass bank two acounts file police report city police department hire attorney submitted letter regarding california rosental act federal fair debt collection practice act also contacted district attorney office attorney general wrote never got anything stating account closed hir...	2
messerli kraimer using intimidation tactic insisting paying full amount around debt disputed amount original creditor account dispute regard defective product refused return kept piling finance charge month sent letter sued called explain disputing amount offered settle amount equal value defective product even though ...	2
loan service company newrez paid property tax escrow account continues ignore inquiry last year paid tax property there excuse paying tax year	3
student massachusetts attorney general sued allegedly misleading harassing student ceased operation closed location issuing statement attributed closing department education action company response ear received complaint consumer financial protection bureau cfpb regarding account review account confirms paid full accou...	3
experian investigate account credit profile	1
writing letter erroneous information file trying dispute avail demand comply conform fix	1
pulled credit first time derogatory item mine including one bankruptcy account fraudulent need deleted please remove suspicious account credit profile	1
plus four inc collection agency hired nv company tends manipulate amount increasing amount claim every month purpose negatively affecting customer credit profile lowering score claimed owed increased intentionally affect credit report company went ahead posted amount also posted amount show paid amount owed date refuse...	2
formal complaint inaccurate incomplete item reported credit file respectfully requested information provided proof alleged item specifically contract note instrument bearing investigation taken well day notified investigation result	1
equifax ga may concern company listing item inaccuracy name creditor contact information inaccurate reporting fair credit reporting act section state required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail em...	1
previously notified victim identity theft	1
capital one credit card holder year looking cbr never made late payment reported day past due date far history show upset capital one responding internal complaint choice come cfpb treated fairly month ago made payment credit card one payment one care realize entire minimum payment although made payment blissfully unaw...	1
day two try nothing	1
sent letter regarding inaccurate unknown thing credit report day day later received response yet information also impacted data breach may got hand wrong person	1
first reliance called house left message saying reference docket number regard debt owed message went say filed court able find place business needed call know scam written proof company indeed true debt call ask address company man immediately got hostile raised voice asking needed address went tell reporting cfpb fal...	2
home mortgage company suntrust dunning assessing penalty fee money paid time paymient full made fund deducted account	3
since trying dispute get late payment student loan reported wrong inaccurate information student loan closed transferred want information investigated removed since account closed transferred account closed transferred still showing credit report wrote several letter help remove get denied	1
unauthorized credit inquiry idea company want deleted immediately	1
american profit recovery attempted collect debt mine received credit notification change account detected showed new collection account never informed attempt collect debt prior placing credit file stayed sent communication old address resides several year need removed permanently credit file account contract original ...	2
reviewing document requested company name portfolio recovery associate inc noticed multiple inaccuracy violation consumer law result hereby challenge claim may owe company reason company name address inaccurately violation company inaccurate misleading amount owed violation company provided proof statue limitation pass...	2
capital one add hard inquiriy credit report per capital one bank usa add hard inquiry credit report per cap one na add hard inquiry credit report per	1
last report equifax single line statement reflected use report specifically authorized ever heard credit bureau since contacted directly cfpb purpose notification cfpb equifax held accountable action	1
checked credit report equifax report saw credit card open account called bank listed verified info said credit card open name social security called equifax verified info said could provide assistance needed send copy id social security card via mail verify identity immediately sounded fishy verified personal identifie...	1
sent letter credit bureau inaccurate information account already paid showing delinquent account delinquent showing like inquiry authorized credit report credit score want open investigation solve problem affecting credit score	1
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
walmart store card sometime paid never late card issued capital one took walmart card capital one set new account made payment calling told debit card set auto pay authorized monthly minimum payment taken debit card every month well statement arrives late mall late fee added account balance account also closed care fac...	0
dept credit report unauthorized knowledge filed deed leau original loan sold guild mortgage company guild mortgage company attn customer service department ca contact nj service mortgage company nj putting credit report never contacted mail anything unauthorized impact credit score	2
someone transunion credit bureau keep changing address without consent deposited information time filed two police report dept gave two letter release stating debt mine transunion keep putting fraudulent account back credit account called credit bureau said ca third party call hung upon u identity stolen time last year...	1
sent letter regarding inaccurate unknown thing credit report day day later received response yet feel like taken advantage ignored dispute section plainly stated failure investigate item within day give reason immediately remove item credit report day deleted promptly demand account deleted immediately file litigation ...	1
bought house mortgage subsequently found title insurance policy deed match even come close try sell house closing attorney chosen help way even though deed error seller signed certified tax information show sold subject premise address minute degree second description policy location near deed location research discove...	3
formal cfpb complaint response account resolution service fraudulent attempt collecting three medical debt owed upon contacting alleged hospital question familiar name attached medical debt fair debt collection practice act fdcpa right request validation debt say owe requesting proof indeed party asking pay debt date a...	2
trying get refund approved chase bankxxxx supported chase last month airline keep redirecting chase chase thing money point held hostage despite fact u dot mentioning customer eligible full refund flight canceled airline even got email refund ticket original form payment obtained contacting call center obviously respon...	0
repeatedly informed equifax via letter phone credit inquiry initiate authorize continue appear report equifax consistently failed rectify problem credit rating ability obtain legitimate credit suffered following false credit inquiry must deleted date	1
disputed account reached many time failed account reported inaccurately incorrectly credit report	2
received notice thru monitoring receivables performance management wa placed collection acct credit report amount contacted proactively learn due fraudulent acct set cable communication company ga contacted try sort situation would provide little information address ga opened closed explained never lived know anyone li...	2
mortgage holder quicken loan sent email asking needed assistance paying mortgage pandemic applied received forbearance plan upon initiating payment fine late received phone call previous point contact quicken asking would interested refinancing since rate lower decided refinance add enough pay several smaller loan made...	3
sent letter regarding inaccurate unknown thing credit report day day later received response yet feel like taken advantage ignored dispute section plainly stated failure investigate item within day give reason immediately remove item credit report day deleted promptly demand account deleted immediately file litigation ...	1
trident asset management say credit card debt total card account fraudulent mine sixth time disputing account collection company removed sold another company	2
yesterday woman called husband phone answered driving gave name say company give asked going said owed never verified id dob s husband said need bank information declined give info said take legal action give advised call call received violated fdpca rule time called asked speak supervisor place hold one got line calle...	2
lost debit card unaware used make several unauthorized transaction get security notification bank ridiculous account activity clearly noticed debit card lost got low balance alert bank immediately called fraud department cancelled card issued new one also filing claim day later claim denied explanation reached claim de...	4
international student received social security number usa misplaced social security card suspicious activity reported credit report fraudulent opening victim identity fraudulent activity open account requesting account removed credit report receive accurate statement disputed issue trans union bureau investigation say ...	1
see several day late mark clear violation right fcra company never responded attempt obtain proof documentation prove account reported accurately	1
mortgage showing forbearance well fargo credit report never given explanation status went website requested assistance due covid even though continued make payment called requested removed credit report still showing want removed want unscrupulous tactic addressed	1
leave employment due injury obviously started getting behind payment loan company particularly specific person assigned case ignores call return message ignores email rude unhelpful sends document email security portal locked continues send think messing cause foreclosure something tried talk another person office mean...	3
victim identity theft last year keep getting sold different collection agency frustrating account mine fraud keep passed around thought law debt collector sell debt verified identity theft	1
bank america servicing home mortgage year pay recently started adding payment process fee time make payment happened past recently started	3
unknown hard inquiry credit report im requested verification inquiry method verification americredit add hard inquiry credit report company provide following proof permissible purpose written authorization proof personally initiated inquiry knowledge signed document authorizing organization view credit history therefor...	1
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
trying trade vehicle newer model told salesman could make trade asked gave explanation pulled credit many unknown suspicious item familiar many inquiry made name believe someone stolen identity need thing deleted credit report immediately already taken action prevent anyone else trying open anything else name contacted...	1
received letter erc stating owed year ago need verification debt account closed charged amount sent letter requesting information	2
believe beginning answered phone call credit corp solution trying get ahold husband debt acquired told would talk husband business checked credit report debt claiming owed report ignoring phone call answered one call verified call recorded told violation fair debt collection practice act need send u validation debt let...	2
disputed negative inaccurate incomplete information credit report three bureas transunion yet respond letter	1
hello thank taking time review concern extending gratitude granted credit line since however nine year payment occurred know unpresidential time several agent working home however payment creditworthiness credit decreased due negative reporting	1
third attempt resolve issue name complaint done experian investigation responded saying believe responsible summiting claim insult intelligence ability find information given fcra	1
previously cellular phone service customer year problem began purchased new cell phone store ny purchase price given trade credit lowered price paid installment monthly bill still original receipt verifying purchase trade received first bill price phone changed subsequently remained amount contacted numerous time try c...	2
harassed company concerning debt liable signed contract given permission obtain place residence contact information continue frequently harass called repeatedly inconvenient time told numerous time understating consumer broken consumer law found usc	2
process trying rent apartment credit report get pulled denied due several unknown item report printed copy report check reason denied realized someone using social security number open account never aware account belong please remove item report	1
shocked reviewed credit report week found multiple inaccuracy credit report major credit bureau collection company never dealt attempted several time ratify issue original creditor credit bureau still reporting inaccurate unverifiable information disputed item credit reporting agency reported confirmed account valid ho...	2
upon reviewing credit report noticed several error severely impacting credit please investigate account	1
ive cosistent paying bill time im saying went day applied account got approved deposit didnt understand checked credit report see couple item mine item need deleted credit report chapter bankruptcy dishcarged	1
ive contacted following creditor three credit bureau equifax remove late payment agreed goodwill deletion creditor however get writing refusing delete rom credit please kindly advise	1
personal loan lending club closed without communication client lending club since first loan acct paid loan time never late payment paid full applied second loan loan approved loan loan amount fully funded also paid loan time every month severely physically ill due illness believe early covid unable work income severel...	3
ncb managment service company reporting credit report owe debt knowledge ever getting loan product company written tried call company three time asking send documentation contract anything signature recent letter wrote certified mail received verification letter heard back company credit report state owe ncb management...	2
victim identity theft	1
transunion claiming credit card account name closed fact deceased cousin account closed credit mycard bank verified told transunion miss information alternately hold credit score	1
failed inform day pay new company selling loan heard stern new company idea supposed pay keep hanging assume point giving house free illegally trying take making impossible pay	3
refuse apply additional payment principle automated payment processing put money towards principle must call every month apply additional payment amount principle since paid thousand dollar regular payment amount attempt apply fund towards principle last six month requesting apply credit worked multiple manager many re...	3
last week company paramount masked number come private told call number person called named harrassed parent friend threatening voicemail call idea debt	2
received text alert card present account charged looked account see anything issue new card four time already thing keep happening also keep changing pin number	0
m service llc reporting debt forcefully removed place living homeless throughout till passing buck consumer already suffered enough found fraud account credit including one access online account home internet access infrequently homeless bought filed fraud claim online faxing document today bank manager call m service ...	1
contacted company back appearing credit profile owed one clue way resolve issue service rendered documentation valid social security account number dob pleaded credit bureau twice constantly update attach false debit pile fictitious information profile scammer say least masked debt collector please use ucc ftc comptrol...	1
need immediate phone call please someone level lending point attempting make payment since beginning lending point system failure staff unwilling recognize error team unable lending point also fails deliver promised passed account continually different individual properly document pas information system	3
received paypal notification vie email advising fund sent amount several unsuccessful attempt paypal account opted reset password resetting password failed security control query two issue phone number file changed four year verification question could answered correctly multiple daily attempt week reach agent paypal u...	4
victim identity theft already contact credit furnisher verified auto loan account number opened fraudulent sent documentation confirm account fraudulent removed provided information experian refused remove identity theft account also supported deletion request fraudulent account police report federal trade comission fi...	1
attn consumer relation may concern wrote requesting investigation item believe inaccurate received reply acknowledgment investigation begun previous request listed reason disputing information enclosed request reply within reasonable amount time since second request also sending copy letter federal trade commission not...	1
reached credit ask remove derogatory information credit report advised help request payment fact made account derogatory information	1
basic saving account citibank saturday attempted log account kept getting error message password incorrect absolutely correct password hit forgot password reset password received message online access account blocked prompted call customer service line course remainder afternoon called multiple time time either told in...	4
jefferson capital system placed derogatory remark credit report attempting collect alleged debt amount knowledge account account past month confirmed account file bearing name verified jefferson capital want contact north carolina department justice attorney general office refer case also contact personally ext ask als...	2
sent collection convergent outsourcing box returned office year ago included box last bill stated earlier box office know charged last bill account always autopay closed account nothing due year going back forth finally removed equipment charge refused remove chose stop fighting pay promise would delete collection cred...	1
block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer stat...	1
well fargo customer another well fargo customer sent sunday gave confirmation number given upon completing transfer year old familiar sent needed money sunday bank would closed tuesday sent phone number receive money account receive notification still received notification regarding transfer went well fargo branch wedn...	4
per fair credit reporting act item older year bell seven year start ring date first delinquency recent careful review credit report reviewed credit report revealed done old item report demand remove order comply fcc u bkpt ct fl bankruptcy chapter original filing date latest status date account info reference number co...	1
company reporting account past due charge past statue limitation state alabama year please advised dispute validity alleged debt entirety request verification alleged debt including name address original creditor along copy signed contract illegally attempting collect alleged debt money owe per law cease desist collect...	2
disputed information provided neiman marcus serviced received email confirming received dispute received email stating dispute investigation complete report information confirmed correct went dispute online site allow dispute stating dispute complete allowed investigation took le hour middle night method confirming dat...	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 contacted ftc local police behalf please remove report...	1
recently apartment got denied got denied understand would income rental history credit standard today checked credit report see item mine understand going item mine need deleted credit report	1
afni provide proper documentation requested continued leave collection activity credit report validation period afni action still detrimental credit report information credit report never validated verified account provided proof afni never validated request within day date received letter reference account never delet...	2
may concern serve legal notice federal fair debt collection practice act fdcpa cease communication regard debt referenced contact third party regarding debt furthermore formally dispute validity debt please provide documentation support believe debt belongs believe owe amount please send copy original application accou...	2
medical collection commonwealth financial system notified informed prior embedded credit profile th ese violation consumer right im shocked surprised stressed physically mentally find medical collection credit without proper notice even allow contest mine waste time partially responding demand really smart demand docum...	2
rented care third party price line returned vehicle two day late car company charged two day disputed transaction bank america allowed provided rental agreement receipt	4

Subsets and Splits

No community queries yet

The top public SQL queries from the community will appear here once available.