Split (2)

train · 114k rows

text stringlengths 3 20.6k	label int64 0 4
sent letter transunion gotten reply either company according fair reporting credit act item deleted	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
writing dispute following information regarding company send collection company name receivables performance management showing credit report disputed send document proof pay last bill never notified receivables performance management writing thy collecting behalf found run credit report collection try resolve charge p...	2
identity stolen person last year opened credit card name auto loan several boat loan several police report ftc report file experian use	1
unauthorized inquiry	1
original creditor report account update balance every month open balance added fee credit card limit list charge offs disputed many time credit bureau report credit bureau balance correct thought sold collection company supposed tor reflect balance rather listing open balance updating month expressed lead believe inten...	1
purchased believe financed santander consumer usa attempted make arrangement make payment difficulty making payment willing work car repossessed believe notified public auction whereabouts car provide inventory content car make numerous phone call locate car went get content list content plastic bag already gone get in...	3
paid credit card ontime still put late payment report tried year get refuse correct mistake made sad thing also work refuse fix also ran credit four time without permission unauthorized credit pull transunion	1
victim identity notified collection creditor several time account belong way received good service company provided police report ftc id theft affidavit signed notarized along sworn statement regarding fraudulent account document submitted credit bureau	1
unauthorized inquiry experian credit report	1
victim identity notified collection creditor several time account belong way received good service company provided police report ftc id theft affidavit signed notarized along sworn statement regarding fraudulent account document submitted credit bureau	1
pulled credit report find account reporting never contacted bureau reporting information contacted verizon entity advised account verified accurate part bother account opened year old right birthdate way possible opened account year even legal also inaccuracy noticed please help screenshot attached	1
filed dispute regard incorrect item credit day received result	1
sent certified letter sent erc requesting validation debt letter returned delivery since erc refuse accept validation debt letter step taken prove debt purport owe copy debt validation sent erc attached	2
well fargo placed primary residence investment property care act deferral done without consent approval would allow make payment deferment wanted least cover escrow amount asked pivotal question want pay back past due amount balloon balance onto payment investor took opportunity balloon payment redirect fund investment...	1
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 ddupon closer ...	1
credit card chase bank ending used billing period time united state tri state area fo new york new jersey devastated pandemic corona virus covid thousand new york new jersey resident died still dying regular activity school busissnes paralized bank closed branch service pandemic due emergency order fear death quarantin...	0
equifax refuse update credit card balance owed continue report balance updated account report balance owed time ago made numerous request equifax make appropriate correction refuse account number phantom account	1
received attached transunion today form letter passing buck word dont mean anything simple care expect transunion live word follow requirement reporting act fcra national consumer credit reporting agency role dispute process review accuracy completeness disputed item mean shuffle paper pas buck feel like done job recei...	1
received notice owe paragon collection agency contacted paragon collection agency said information account transferred attorney said information name contacted paragon back said ca help attorney getting answer continue get statement want know bill get paid need removed credit	2
applied application ppp loan within hour offered submitted application application received application received continued email well fargo indicating place queue get place offered application well indicated consider applying elsewhere called bank requirement business checking account kind credit business checking acco...	3
collector refuse remove account credit report amount dollar owed dollar line credit paid full name creditor credit report time payment sold information appearing creditor credit report could pay original debtor directly account personal information sold back delta outsource group notorious false collection practice lik...	1
first time ever encountered identity theft pulled credit many fraudulent account belong find name social security used open account also trying file tax consultant	1
law right formal investigation performed outlined fair credit reporting act perform investigation remedy file lawsuit enclosed police report filed identity theft affidavit please investigate remove account credit report refer matter attorney take immediate legal action constant judgment awarded certainly demonstrate co...	1
since summer trying fix problem student loan university administered loan payment showed transunion credit report disputed transunion payment history information balance incomplete inaccurate dispute submitted successfully le hour transunion responded saying deleted account credit report caused serious problem able fix...	1
hi need help victim identity theft ago thief used information obtain credit name fought several time year recently account credit report never done business called last month sent letter credit bureau fight account mine know happened never heard back everyone know tell supposed hear back day account supposed fall repor...	1
filed complaint proposed stipulated judgment federal district court indiana alleging provided substantial assistance ixxxx engaging unfair act practice operated filed bankruptcy ceased operation complaint alleges actively involved creation implementation loan program complaint alleges induced student take loan variety ...	1
receiving current copy credit report discovered entry identified inquiry qualified deletion report	1
field enough option adequately start process revmd partner showing debt high impact credit report sent check cleared bank account showing paid credit report call met generic answering message	2
lost debit card also need make least internal transfer phone min closer anything accomplished pretty sure even missed call police around	4
debit card company direct express handle ssa fund allowed fraudulent charge pas reported company day ordered new debit card wait business day pending status close keep mind already removed total company withdrew called located debit card transaction line ridiculous hold usually hour usually get hung closed redeposited ...	4
withdraw money account send money friend started get error message server error try log account also try withdraw money atm get error code	0
purchased home conventional loan recently sent letter mortgage company requesting private mortgage insurance pmi cancelled received letter saying request denied current value ltcv ratio explain feel inaccurate never missed mortgage payment delinquent payment year house called company today told ltcv basing appraisal re...	3
hello ongoing issue covid reporting erroneous information credit bureau since aware disaster told would reporting payment received late due covid employment shut office closed since however payment current month whereby ran road suffered injury totaled vehicle due wheeler hitting u stopping highway notified inquiry mad...	1
didnt authorize loan tried contact company drive closed turn	3
sent letter regarding inaccurate unknown thing credit report day day later received response yet failure positively verify account hurt ability obtain credit	1
capital one stated reported account fraud closed account access account online waited two month send paper stating bill payment behind reporting opening account back due fraud fraud account responsible account hurting credit point reporting past due waited two month send anything account past due letter issued issue on...	1
sent transunion several letter reporting unauthorized inquiry made report proper legal procedure taken letter reporting company delete innacurate reporting without success following inquiry made without authorization consent tranunion	1
call regularly least per weekday variety phone number one harassing number blocked almost never leave voice mail message refer using maiden name used legally year owe debt call pure harassment received mailing email proof whatever debt alleging owe recent call various number include	2
date amount action taken asked authentic contract application created debt entitled see evidence investigation includes authentic contract application created debt	1
experian today received another experian new alert stating new usage one credit card score went remember credit score company last week told credit usage insufficient raise credit score charged item credit card increase usage showing report usage read page credit card usage add usage lowered credit score wrong people t...	1
complaint regarding old account amount account first reported credit report equifax agency far back earlier account removed credit report agency seven year however discovered account reappeared credit report immediately disputed reappearance account credit report action taken two agency month later repeated dispute sti...	1
understand settlement involving santander consumer usa believe victim car since im still trying manage high payment got car repossessed low payment able reinstate loan high reinstatement fee initially walked dealer ship went former friend possible needed table turned towards offered loan	3
pulled credit first time year derogatory item mine including many inquiry able list application account fraudulent need deleted please remove unknown account name	1
credit inquiry unauthorized need removed credit report immediately	1
went store store located ga phone number applied wireless phone phone number left store phone received account created began receiving bill wireless service although wireless phone service called store locally national headquarters numerous time avail collection account credit bureau need remove cease desist collection...	2
sent letter regarding inaccurate unknown thing credit report day day later received response feel like taken advantage ignored dispute section plainly state failure investigate claim within day give reason immediately remove item claim credit report day deleted promptly demand account deleted immediately file litigatio...	1
submitted dispute letter equifax notifying account belong yet receive response credit report bureau violation consumer right failure comply federal regulation credit reporting agency investigated federal trade commission ftc see usc et seq disputed item entirely inaccurate represents serious error reporting	1
never received letter indicating collection tried sending fax claim receive	2
found multiple fraudulent credit card charge notified cc citibank issue got issued new card thought everything fine receive letter saying would credited chip card would possession lose card let anyone borrow card authorize anyone use card still card possession simple search new research detailed method bypassing emv te...	0
please process following request specialized loan servicing correct outstanding issue relating misapplied monthly payment loan transfer past due balance correct misapplied payment current payment loan transfer remove late fee relating misapplied payment remove late payment credit report credit agency stop excessive col...	3
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
see multiple day late mark clear violation right fcra company never responded attempt obtain proof documentation prove account reported accurately	0
recently refinanced mortgage account first payment scheduled happen aware automatic payment already set account initiated manual payment side month resulting overdraft account additional payment called customer assistance number supposedly helped correct error clear informing exactly trying resolve problem instead help...	1
submitting complaint request cfpbs agency help maybe chanel listened american express committing multiple violation fair credit reporting act california credit reporting act want mention reporting incomplete information failing investigate account negligence breach contract please forward american express attached docu...	2
use cash app service using app accidentally loaded cash app reversed immediately authorize transaction tried sending money back charged fee tried reaching team cash app via direct message told would reverse fee attach screenshots conversation mention contacting cfpb dismissed agency	4
hello submitting complaint seek help dealing credit reporting agency experian credit report showing account charged still showing balance account charged status still reporting current late payment common fcra violation creditor post late payment debt charged past due balance documenting violation credit reporting agen...	1
received phone call first national collection bureau saying owe debt credit card debt used threatening word saying failed appear court attempted served time wrong name asked personal question nothing debt asked speak fraud department numerous time well asking manager give number continued use threat fta arrest gave sup...	2
sent email cash app asking account unlocked money account cant use locked sure submitted request unlocked received general email request support say would receive email within hour heard finally asking additional information help account sent required information asked back eight minute received email still heard anyth...	4
death family recently missed payment date day called request courtesy waiver late fee told late fee waived back make ineligible another wavier month complete lack customer service comenity bank especially pandemic ridiculous exception standard operating procedure time mention care customer lost loved one organization t...	0
responding collection listed credit report recognize claim please provide written documentation validate purported debt itemized statement showing amount claim owe copy written agreement promissory note signed relating purported debt agreement creditor authorizes collect alleged debt agreement bearing signature stating...	2
four month ago notified credit bureau account belong well day gotten response type update feel like taken advantage credit bureau ignoring dispute section plainly stated failure complete investigation within day ground account automatically deleted credit report day actually account deleted credit report immediately de...	1
unknown hard inquiry credit report im requested verification inquiry method verification add hard inquiry credit report per contact information reported creditor american honda finan add hard inquiry credit report per add hard inquiry credit report per contact information reported creditor company provide following pro...	1
victim identity theft tried numerous time negative fraudulent account removed credit report sent police report identity theft report bureau alos sent law year negative account must removed reporting charge fraudulent account opened knowledge please remove negative item creit report	1
used bill pay service make payment posted capital one account without explanation payment reversed attaching copy document showing made payment	0
hunter warfield inc idea account acting give notice fraud responsible charge call nothing	2
writing letter erroneous information file disputing account sometime demand comply conform taking legal action soon possible	1
trying get updated info year long one item credit report account paid full back still reporting negative one say	1
contacted three main credit bureau individual debt collector debt credit report familiar three credit bureau responded account verified could tell verified information documentation provided verify negative account contacted debt collector directly via letter sent usps phone none sent documentation showing account prov...	2
made payment posted best buy credit card noticed recently checked credit report made best buy credit card payment card reported closed three credit report called numerous time try get hold customer service best buy able get hold actual person three time unable explain inform card closed kept telling call back even thou...	0
reporting inaccurate information account wrong balance status file	1
reporting debt received notified still show transunion closed balance owing used conduit payment instead exposing bank account credit card prevent fraud one account paid completely leaving overpayment stated balance account disappeared record never used extended charge afterwards small charge stated occurred charge tot...	1
summer decided move home asked well fargo preapproval letter amount wanted make offer home mortgage worked well fargo previous two smooth made offer negotiated came term close put house market accepted offer existing home close promised plenty time close review documentation well fargo became increasingly spotty would ...	3
initiated installment loan online le charging interest loan origination fee feel excess ga law max find license business kind loan georgia asked company concerning interest rate license representative told since online installment loan originator governed state specific loan law	3
medical information mine	1
contacted portfolio recovery provide accurate detail collection account month back nothing updated recently pulled copy credit report noticed original creditor collection agency listed credit report considered double dipping credit causing lower credit score one account need removed credit either original creditor coll...	1
vehicle loan financed td auto starting month shorter vehicle someone stole totaled several month unanswered question td auto finally able pay vehicle full fast forward today noticed marked charge able get answer marked charge charge need removed credit report nothing someone stealing crashing vehicle penalized	1
experian reporting incorrectly day late partial account number please see page attached credit report first account report balance past due second account currently coded account coded contacted bureau spoken multiple representative verbally stated change coding infraction true spoken loan officer well lender confirmed...	1
identity stolen	1
someone transunion credit bureau keep changing address without consent deposited information time filed two police xxxxxxxx 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 co...	1
account name account number account type credit card responsibility individual date opened status late status updated balance balance updated recent payment monthly payment credit limit highest balance please see attached experian data reported inaccurately please also see attached proof limit given	1
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
started account chase bank opened account local branch received debit card mail believed everything fine attempted use debit card sunday received message atm transaction could processed went back local branch monday discovered account closed per bank decision banker contacted corporate office told reason could provided...	4
opened account region bank branch ga opened account response promotion offer received via mail promotion entailed opening checking account completing debit card transaction within day receive bonus bonus pay day completion debit card transaction approximately day account opening completed requirement received account o...	4
attached inquiry reported fraudulent reporting bureau refuse remove credit report	1
loan hyundai motor finance loan payoff amount increased payment payoff amount lowered caused payment noticed error called time spoken many representative supervisor manager see issue claim send information payment processing division even purchased new car agreed charged least hyundai motor finance dealership called di...	3
customer paid holding money day get touch phone email	4
disputed account information experian account account amount account paid full payment made please delete account reporting	1
soc sec dob fl may concern making final goodwill attempt clear matter account sent back verified entirely inaccurate incomplete represents serious error reporting also advised second time contacting company matter writing company violation need go detail tell law company know fact required fcra properly verified accura...	1
informed credit lender approved personal loan needing derogatory item credit history decided pull credit noticed several unknown item please remove fraudulent account report thank	1
pulled credit first time year derogatory item mine including two bankruptcy account fraudulent need deleted please remove unknown account name	1
car totaled within year apart insurance company paid financial full yet somehow toyota decided charge deductible tell warn contact make payment year believed fault told insurance company handle year frustrated decided pay balance see screenshots get rid toyota financial assured would delete derogatory standing credit r...	1
monitoring credit closely past year home buying process received notification saying delinquency account paid full opened macy app see hit negative mark interest carry fee called immediately last explained assured removed taken care would hit credit report applied house today lender came back saying day late macy conta...	1
fighting bankruptcy year inaccuracy inside bankruptcy dismissed well today logged onto pacer verify information correct ie case number closing date noticed case number listed credit bureau incorrect case number listed pacer however reported credit bureau probably lexisnexis incorrect information reported	1
decided pull credit every single time would apply credit card would get denied best knowledge always paid bill time know fact thing showing report belong account fraudulently made without consent please remove account report soon possible collection	1
submitted proof identity well request correct name address reporting credit profile received response back within thirty day period demanding item removed credit report fraudulent inaccurate	1
due corona virus job allowed u go retirement money take whatever amount need survive due fact already mortgage issue requested payout amount mortgage sent amount waiting title house received another letter mortgage company telling money placed area escrow insurance etc intent date received money owed anything else said...	3
provide information cra obligation fcra ensure accuracy information furnish rule illegal report information know believe inaccurate reasonable cause believe information inaccurate knowledge allegation consumer would lead reasonable person doubt accuracy information fcra section may exempt requirement give address consu...	1
hope day going well need help noticed following issue account credit report inaccurate inaccurate inaccurate inaccurate inaccurate reading internet credit reporting law understanding consumer find error credit report right fixed right got information ftc cfpb incorrect information credit report causing problem try appl...	1
contacted mortgage company several time inquire whether summer tax bill received receive notification received inquiry never response actual question contacted recently yet receive response received tax bill reflecting proper amount account paid yet	3

Subsets and Splits

No community queries yet

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