Split (2)

train · 114k rows

text stringlengths 3 20.6k	label int64 0 4
exercising right dispute following item file accordance fair credit reporting act fcra upon review credit file found several inaccurate unverified item negatively impacted ability receive credit provided unnecessary embarrassment inconvenience sure aware right according section fcra request proper investigation inaccur...	1
equifax reporting acct open acct limit balance payment reporting acct acct closed still reported paid time limit balance payment reported closed account acct reporting limit balance closed reporting payment closed acct remark stating account closed creditor reporting name acct limit balance acct closed still reporting ...	1
become victim identity theft several credit account collection show credit report past month recent data breach certain information leaked shared completed proper step notify creditor police report informed state texas individual suspected theft deceased police department said contact federal trade commission seek reli...	2
tried transfer money card account many time keep getting message cash credit client adjustment wont sent money want im tired week	4
fraud someone use social security number opened paypal credit card still communicating giving information need figure get credit report open account ca get information going around circle three month recently changed address usps website financial credit card banking information automatically changed new address submit...	0
student loan paid full became military balance paid full full total disabilty listed transunion account remark listed chap bankruptcy paid ever bankruptcy affecting ability obtain credit employment	1
victim identity theft year collection agency placed collection credit report fraudulent activity contacted collection agency original creditor explained transferred several time disrespected customer service rep explaining situation wrong person company unprofessional also sent copy police report also file cfpb ftc una...	1
reached national credit system company several time informing debt amount claiming owed debt providing proof debt document showing signature relevant proof said rented another county residing residence since company kept sending letter stating owed sent paperwork name typed called several time spoke rep rude said remov...	2
recently opened credit card chargeback request transaction made alliant credit union hired pool renovation job ceased due breaching contractual obligation walking away job contract include thorough plaster prep plaster prep include chip around fitting acid washing old plaster surface chipping tile line lastly apply bon...	0
midland account number agreement midland collection approximate amount original balance approximately asking send something writing secure arrangement amount refuse feel comfortable paying large amount money phone nothing secure settlement protect integrity negotiation asked several occasion cooperation difficult work	1
asked credit bureau look account listed report eos reference account specifically stated believe account mine requested validation account since followed dispute transunion experian well eos asking proof debt believe debt mine date sent total letter transunion experian additionally letter eos date account even listed d...	1
sent letter regarding inaccurate unknown thing credit report day day later received response yet feel like taken advantage ignored dispute law plainly state failure investigate item within day give reason immediately remove item credit report day deleted promptly demand account deleted immediately file litigation due s...	1
hi received notification morning collection added credit report testify never received phone call written notification debt collector named ic system activity dropped credit score point frustrating never dealt anyone company ic system trying collect behalf knowledge debt dealt past look strange returned equipment one t...	2
lease expired time rolled purchase also time know lease automatic payment website payment made timely fashion wanted continue payment arrangement tried first month could get system function properly every time would call seek resolution would end repeating story could get anyone effect change could get ticket problem r...	3
well fargo branch fl unauthorized transaction checking account small withdrawal amount time course year bank agreed reimburse credit back balance asked bank forward policy statement agreement signature detail stating responsible day following notification forward answer e mail sure never seen policy signed approval com...	4
penfed offered credit protection payment loan event unfortunately occurred due false advertisement credit union subcontracting credit debt protection honoring matter involved distinct separate one matter ask help court second claim due accident credit union fulfilled promise advertising program self interest feel credi...	3
loan application date credit score home appraisal value refinance company newday applied refinance newday form submitted e sign agent account executive xxxxnmls company nmls disappeared week response newday cell phone fax returned vague apology terminated given new broker home appraisal done week appraiser determined o...	3
dear sir receipt letter dated cfpb subsequently allowed thirty day expire hope would correct inaccurate information knowingly reported three credit bureau thirty day since past would like address falsehood reported letter letter state actively pursuing collection account however referencing letter received furthermore ...	1
emailed well fargo ask work locate payment claimed never received called well fargo credit card division asked research chargeback item emailed well fargo asking status update credit card transaction said receive sent email well fargo asking assistance finding debit credit card went requested direct payment call placed...	0
express dealership want credit run multiple time written letter expressing want hard inquiry removed credit report impeding ability obtain home loan company resolve request credit inquires date	1
extremely dissatisfied way billing dispute barclays bank handled situation called agent tried assist billing dispute regard good received let know paid multiple transition product provided day later received letter mail stating case got denied merchant cancellation policy need cancel anything telling agent receive cust...	0
wife opened checking account u bank response promotion website promotion appeared page since removed opened account confirmed met requirement called first time asked welcome bonus would deposited account told day opening account check back later payment never posted called told day final required direct deposit made ch...	4
writing delete following information file item need deleted listed report victim identity theft make charge ask item deleted correct credit report reported theft identity federal trade commission also enclosed copy federal trade commission identity theft affidavit please delete item soon possible	1
writing due experian failed remove information affiliated personal detail challenged past original creditor account original creditor account original creditor account strongly believe violation fcra outright refusing uphold law	1
looking credit report today noticed inaccurate account listed recovery one llc contains past due balance listed collection law read collection account past due balance collection past due default please delete inaccurate account credit report failure accurately list item would also like recovery one llc provide copy si...	2
sent three letter credit bureau one one one equifax certified mail dispute item credit report letter received equifax received letter fair credit reporting act state day complete investigation else item supposed removed received response day receiving response sent another letter following first letter still response w...	1
two u department ed showing credit report mine reference number every year happens receive notice dept ed going garnish tax refund actually look realize mine never account know s close mine name ever two federal student loan	1
filed dispute regard incorrect item credit report well day received investigation result	1
pcn allow connect account choice stock vendor specifically	4
complaint case summary complaint refused refund charge host agreed cancel reservation admitted system glitch filing dispute credit card issuer bank america bofa following dispute resolution procedure including responding subsequent letter asking additional information submitted tx bofa still declined claim receiving le...	0
set payment plan trip due covid travel agency turned phone went business website instructed u follow credit card company refund trip canceled flight canceled airline reported capital one opened dispute today still reimbursed told agent check sent fund taken account speak supervisor today told fund held department isnt ...	0
landlord us website manage rent payment utilize must connect pnc checking account site tried connect checking account presented message pnc made change prevents able link prevents paying rent issue must rectified pnc	4
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
submitted complaint cfpb regarding old account debt collector debt year old continually called several collector sworn call one telling open credit card ca pay complaint response stated account sold encore capital group contact	2
looking option refinance global equity finance called funny even give estimate already asked personal document reasoned quote good rate submit given loan estimate twice said ok rate proceed simultaneously dealing another mortgage company offered rate slightly higher global equity finance offered could pas offer global ...	3
sent dispute letter certified mail requesting reinvestigation method verification bankruptcy credit profile per fcra credit bureau validate information original creditor must remove said information consumer credit file attached copy letter u bankruptcy court stating dont report credit bureau also attached copy letter ...	1
received notification credit monitoring company derogatory mark reported looked found open collection account general revenue opened never received contact general revenue prior reporting credit agency receive written notification debt attempt contact phone regardless validity debt never offered opportunity dispute pay...	2
called sent multiple letter equifax proving name social security number several account listed belong someone provided legal documentation copy driver license social security card proof address indicating person information need immediately removed report tried resolve period approximately month today date unsuccessful...	1
mailed multiple letter demanding inaccurate information credit report fixed experian negated acknowledge submitting complaint supplied appropriate proof identity show submitting complaint experian automated message disgrace taking time make sure consumer complaint handled right way failed produce result investigation i...	1
diagnosed spent hospital insurance time paid medical claim received statement reflecting balance due deductible paid balance received bill point stopped mailing statement sent charge collection agency called c h collection absolutely worse heartless people ever dealt life made payment arrangement paid received first no...	2
disputed collection account credit bureau failed properly verify debt supportive evidence debt belonged within investigation period first letter second letter	1
cosigned lease brother become effective subsequently moved ny contacted management office asked procedure breaking lease described paragraph lease copy attached advised lease buyout option would constitute one month rent notice formally notified management office lease terminated effective day date subsequently advised...	2
soc sec dob address fl attention dispute department today date serf notify inaccurate information credit report per file sent letter via registered mail purpose formal escalation appropriate court law need arise recently denied application mortgage car loan credit card health insurance employment florida xxxxupon close...	1
accepted state department work foreign service posted mail forwarded diplomatic address within month receive letter u bank mortgage company basically saying living outside house compliance loan called try find number give letter general customer service number clarity person able give may fact loan fha loan informed ad...	3
today discover card made business call close account reporting fraudulent transaction grateful cfpb time credit accountable american people congress really need change law credit card company closing account frivolous retaliation reason discover advertising zero percent fraudulent transaction liability lie joke want ca...	0
upset checked credit report found negative account fraud never opened please see account belong remove soon opened acc opened acc opened acc attached document need included identity theft report victim identity theft fraud idea account	1
macys reported late day credit account checked last year late would like removed	1
purchased vehicle nc intended purchase vehicle credit union used loan past without issue preapproved credit union purchase vehicle dealership pushing go td auto finance instead beat quote went never used heard full day first payment due logged first time account account page went process set auto pay account always bil...	1
sent letter regarding inaccurate information credit report day ago received response feel like taking advantage ignored regarding dispute section state failure investigate item within day give reason immediately remove item credit report well day mean deleted immediately deleted credit report file litigation due stress...	1
writing dispute following information file disputed account past credit bureau ignored request	1
bureau falsely reporting alleged debt fdcpa section violation usc alleged debt verified yet receive response day another violation fcra	1
bank called inform unknown charge account wanted verify mine correct belong later day received call one credit card provider stating thing immediately knew identity stolen got online made account got copy report year name birthday social security number used open account mine please remove item report	1
unknown hard inquiry credit report im requested verification inquiry method verification flagship credit acceptan add hard inquiry credit report company provide following proof permissible purpose written authorization proof personally initiated inquiry knowledge signed document authorizing organization view credit his...	1
ic system received medical debt debt tied medical information legally allowed hipaa law therefore debt illegal removed	2
mortgage serviced thru rushmore mortgage looking escrow adding additional month worth tax insurance pmi causing pay higher monthly payment told law hold month worth currently added additional escrow thank	3
leaked personal information well information million american situation affected mentally well damaged overall credit score credit health three major credit bureau reporting account credit file direct result identity theft credit reporting law ensure bureau report accurate credit information every step must taken assur...	2
disputed collection account report belong received validation debt letter company neither name address belong bill provided please remove incorrect information credit report	1
every month always pay mortgage home rental property flagstar bank time never missed mortgage payment somehow payment processed home rental know due simple human error system error part flagstar brother rental time aware payment processed receive mortgage statement know error flagstar part mail stolen mail often neighb...	3
debt validity dispute started working signed new contract including credit app company supplier provide product got new account number supplied store product two month sent letter unpaid balance amount period contacted day clarify two different account store owned different person unfortunately response company email s...	2
decided merge school first credit union effective failed failed send temporary check website also failed unable create new account access bill pay system access fund live hour away branch office consumer service contact unresponsive unable call chat email payment need made like mortgage consequence epic failure	4
disputed bankruptcy twice credit bureau inaccurate need verified keep responding verified yet receive something writing verifying accurate three credit bureau want information properly verified removed also account asked verification still yet receive information	1
xxxxdispute ftc violation fcra inaccurate account	1
took loan year ago pay unaware outstanding debt recently today received email saying legal action taken paid today responded email numerous time called number listed email reach anyone search found loan subject fraudulent scam like want move forward resolving issue know legit	2
seem unverified inaccurate account credit file	1
portfolio recovery associate llc added derogatory mark credit report per upon research account longer responsible account debtor creditor verify collection also contract signature accused debt bill without written signature validate debt anybody send bill say mine debt beyond statue limitatons collecting debt state tex...	1
mailed letter sent failure respond letter sent letter sent another round letter sure letter pertaining bankruptcy record credit report bureau day respond showing verified bankruptcy respond either time sent type letter three bureau attached transunion avoid redundancy	1
disputed account case listed credit report company currently reporting late payment account cancelled many month ago disputed account company well experian provided proof cancellation via email exchange	1
debt credit card closed went get letter sherman originator lll llc sc thought settled money job receiving government help like snap food stamp laid never return job year future money income guarantee assistance receive pay food shelter asset many people trying sue one person money never ever ever get credit card	0
good afternoon girlfriend checked credit said account belong someone else using identity without knowing want handled please help get stuff removed credit earliest convenience	1
received secure message u bank attached email site site tried register member cfpb site could also tried login site password got impormation bank work please let know bank site sould follow direction soon really appreciate thanks	4
international wiring local branch manager wire hsbc recipient heard anything fund hsbc requested compliance information twice sent still nothing heard back hsbc hsbc hold fund respond inquiry recalled fund back still result far till today	4
company reported fraudulent purchase put unknown balance card became past due company failed notify company b put limit fee never called emailed reduce balance	1
sent letter regarding unknown inaccurate item credit report least day still heard anything back absolutely response feel like ignored taken advantage regard dispute studied according section clearly stated failure investigate item give reason delete item within day taken credit report least day passed need deleted imme...	1
late payment showing credit set autopay way im gon na late checking account linked loan payment	3
became link one account number bsi financial servicer contacting advised pay become free confirm number day representative told wanted told pay continually tried reach make payment success finally reach representative email demanding money acted unprofessionally threatened take property matter month threatened lawsuit ...	2
disputed account listed relate authorized transaction done knowledge derogatory account file would like account removed please conduct matter account credit file caused serious damage name credit history	1
upset know false account reported credit history affecting score know anything account would like removed	1
see card wrong address please dont send card name wallet lost s id	1
victim filed police report ensure fraud reported fraudulent account inquiry appeared credit report instructed file police report affidavit fraudulent account inquiry removed credit report filed affidavit police report transunion disputed fraudulent item four various time odd reason transunion comply fcra fair credit re...	1
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
midwest recovery called twice tell debt demanding ssn dob repeatedly told keep calling outstanding debt aware	2
letter follow mortgage conversation quicken loan problem mortgage refinance closed dissatisfied quickens service payoff done without adequate notification approval borrower discovered reached loan officer find received email advising would receive check knowing forwarded email client relation knew escrow account approx...	3
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
dear legal department credit dispute submitted anew evidence dispute account disputed belong sworn statement concerning credit issue sworn statement declare penalty perjury law united state executed outside united state foregoing true correct best knowledge certify qualified authorized file dispute also understand know...	1
account restricted told time bank determined end relationship one checking account saving account tied account tax refund money well wife account chase bank yet send cashier check remaining balance account three week nothing tried calling multiple occasion noone cant see info note need remaining money asap thats im fil...	4
account request creditor come bureau come one please remove thank	1
hello currently state owe student loan however time student loan maximum amount allowed borrow somewhere along line scammed fraud try contact fed transfer give disconnected phone number said need talk consolidation department tirelessly tried find likely exist know looked loan disbursement majority incorrect	3
agreed pay delete charged bank account paid refused follow proper chain everything deleted	1
checking credit notice account thats mine reporting stuff man im hearing know reporting inaccurate information report fcra need removed immediately written documentation consent ask removed deptedxxxx deptedxxxx	1
victim identity theft submitted notarized affidavit serf legal document identity theft also victim breach opted settlement suffered extreme loss due breach identity theft need fraud account letter attached removed permanently file also contacted creditor well extreme violation fair credit reporting act right seek legal...	2
old account paid collection department getting call southwest credit saying debt collector behalf told repeatedly paid avail	2
contacting compromising social security number victim identity theft contacted federal trade commission filed complaint contacted police department obtained police report attached please block remove information credit report send updated copy credit report following item belong result fraud authorize credit card date ...	1
hi name writing complain lack response reporting continued follow every step removing false account reporting yet comply exceeded day multiple time point issue resolved keep reporting account belong mailed several letter via certified mail dated everything listed detail everything required still job removing item follo...	1
attempted dispute incorrect item credit report several time starting however credit bureau back forth change reverse dispute	1
writing due experian failed remove information affiliated personal detail challenged past strongly believe violation fcra outright refusing uphold law	1
transunion allowing acct report fraudelent information consumer report damaging affect credit worth please ask company provide company copy pay history month pay history please delete unfair credit reporting	1
pulled credit alerted social security card getting stolen see list derogatory item mine including bankruptcy account fraudulent need deleted please remove unknown account name identity compromised information report incorrect bankruptcy chapter	1
visa card issued bank america recently noticed charging balance highest interest rate cash advance problem never made cash advance card called bank looked back charge past year find since ca go back basically said bad curiosity looked another statement bank one never made cash advance card life thanks help give chargin...	0
incarcerated ten yr incarcerated identity compromised found upon release credit report due diligence part multiple account deleted report several different merchant three account capitol one account month speaking fraud department complying requested information prove innocence two three account declared fraud one seve...	0
pnc changed account link account would like fund investment account via pnc allow use changed security purpose	4

Subsets and Splits

No community queries yet

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