Split (2)

train · 114k rows

text stringlengths 3 20.6k	label int64 0 4
notified collection account united holding group made wife requested communication made via mail phone called would recorded sense threaten sue put lien home ask forward paperwork showed owed money debt could show thing supply paperwork requested almost sense month later team another collection company never giving cop...	2
synchrony financial issued two credit card made time payment early payoff great customer overall past year paid lowes card balance also paid care credit card one year prior synchrony decreased credit limit lowes card care credit limit complained basically told pound sand recently closed one account altogether synchrony...	0
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
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 owed never applied student loan never gone college quickly opened account review credit report found student loan fraudulent account never opened gave one consent open please delete item account soon possible	1
im trying add bank account pay rent wont let add	4
emailed invited open citi elevate checking account following term earn cash bonus earn cash bonus open new citi elevatesm checking account within day account opening deposit minimum balance maintain balance day receive cash bonus opened account setup checking account outside account bank including verifying pair initia...	4
penny mac telling deferring payment end loan foreberance option available supervisor told paid mortgage instead option defer mortgage end loan longer made formidable effort caught mortgage exhausted saving nothing left	3
around informed mobile phone text bank america unauthorized transaction made credit card account ending merchant named expiration date location merchant located time fraudulent transaction never frequented merchant never authorized anyone else use credit card use transaction called boa immediately spoke agent named tol...	0
made purchase paypal credit back cancelled order issued refund however balance adjusted reached half year ago made change account balance remained unchanged past half year contacting multiple time issue resolution account balance interest accruing soon affect credit report informed take month fix already waiting month ...	0
debt credit report mine refuse remove	1
unknown hard inquiry credit report im requested verification inquiry method verification u bank add hard inquiry credit report company provide following proof permissible purpose written authorizati proof personally initiated inquiry knowledge signed document authorizing organization view credit history therefore inqui...	1
ok got wreck called global lending advised totaled sure someone getting ahold soon fill total claim loss car sat driveway since well every time found something called let know well okay process idk woke one morning car gone driveway loan behold canceled total loss claim took car filed repo called try get buy back lawsu...	3
hey name writing disputed inaccurate information credit report credit bureau still remove credit report understand remove inccorrect please view file information corrected please remove two seperate credit limit original creditor please remove balance incorrect credit coll original creditor account please remove date l...	1
hello name think victim scam sent check email thought real dont think whole bank account froze cant access real money scammer want account want account unfrozen asap called bank said there nothing could need account open catch get work year old dont know im cant tell mother dont mean sarcastic funny way im asking someo...	4
reporting several late payment never late account sent multiple request macy credit bureau always come back verified even though proof time payment	1
collection account removed experian report result dispute experian account back onto report according fcra part b ii credit bureau may fined reinsert removed item credit report without notifying writing within business experian failed notify reinsertion notified credit monitoring software attached proof said deletion r...	1
fraudulent inquiry	1
used pnc smart access card year put dollar worth fee card used charge cent cent foreign transaction recently charged cent every transaction blame merchant merchant blame considering fee taking account pnc think robbery charge someone fee every time use card already pay fee card every month reported telling pnc care cus...	0
filed dispute regard incorrect item credit report well day received investigation result	1
decided get credit pulled due bill received mail never heard place immediately suspected identity theft reviewed report caught surprise couple derogatory item never opened life thing listed application mine please remove unknown item report contacted ftc local police behalf please remove report company inquiry	1
loan transferred cooper completed refi tax due cooper never paid received notice still owed tax contacted cooper expressed urgency resolving quickly would take hit personal income tax due deduct approximate due cooper outsources escrow service even number representative contact anyone would allow contact via email supp...	3
incomplete missing info letter may concern writing challenge reporting compliance account reported credit report info specifically referencing fact reporting incorrect account number missing field monthly payment past due amount improper procedure highly damaging credit score please immediately delete item	1
requesting provision fcra usc section investigate account appears credit account inaccurate expired requesting provision fcra usc section investigate account appears credit account inaccurate expired requesting provision fcra usc section investigate account appears credit account inaccurate expired	1
applied bbva checking account promotion met requirement called customer service representative multiple time course past month told representative would deposited account gave corresponding ticket well called customer service told wait called money still yet deposited first representative told ticket exist account call...	4
ca experian tx may concern checking recent credit report noticed credit inquiry authorize made following company inquiry authorize anyone employed company make inquiry view credit report violation fair credit reporting act section c serious breach privacy right please validate information company provide copy documenta...	1
according fed continues furnish series late payment credit profile according account displayed eleven time nine late payment account reporting calculated fico inaccuracy reporting compromising creditworthiness	1
account listed credit report never opened account information used data breach cause company ring bell please remove file	1
attempted payoff loan early anticipated payoff amount company santander consumer usa directly however attempted pay amount refused let pay per transaction spoke representative id advised could pay total amount owed one transaction per limit advised would multiple transaction day instead one forwarded supervisor id also...	3
lost wallet year ago recently looked credit report someone account help get resolved	1
working credit checked day ago checked today dropped point experian checked report thing changed someone pls help	1
account closed balance disputed charge added back account made aware account began accrue interest well late fee account marked day past due even though never late card show credit report closed collection never attempted contact inform dispute added back account stated mailed statement incorrect address ive lived addr...	1
experian two collection item credit report incorrect medical claim one identified claim claim paid probably information come fraud department experian committed additional fraud including item credit report	1
data show initial disbursed high school impossible owe debt enrolled charged loan receive funding see attached nslds info eligible due legal age still grader available qualified college enrollee high school student early received letter collection agency todd bremer lawson sent behalf regarding defaulted letter receive...	2
hi name im emailing american express serve prepaid card tax service trying call even sent letter asked closing account refunding remaining balance card get email every week current balance witch month since closed card hope help thank much	0
hello name complaint filling complaint since bank america account made somebody deposit aware made transfer authorize bank claim authorize sent authorization code phone received code understand bank unfair received code email notifying anything took money saving account month account	4
credit reporting agency reporting deceased unable obtain credit sent copy driver license social security card bank statement recent check stub information yet corrected made initial contact	1
month company reporting inaccurate unverifiable erroneous thing credit report ruining credit score sick company ruined credit score bad got denied loan house provide family derogatory mark medical bill derogatory collection account listed credit report incorrect mine simply verifying someone used name social security n...	1
receiving current copy credit report discovered entry identified inquiry qualified deletion report	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	1
date following credit bureau responded investigation day later demand investigate remove inaccurate erroneous item credit report immediately	1
equifax continues ignore request remove credit report see attached document certified receipt name date	2
agreed time ago go paperless chase hold home mortgage also credit card handle everything online automatic payment coming checking account access online account way obtain copy statement check mortgage balance insure payment posted see transaction credit card amount due dispute amount attempted log chase entering user i...	3
hello disputed address ex boyfriend used take credit card loan name lived several year name scammed couple time spoken several agent regarding matter successfully helped requested document back story done even got dispute result back address removed new address current live mom ca find whatsoever regardless proof dispu...	1
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 look due...	1
decided pull credit every single tme 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	1
loan law office mba always made payment time see always stellar payment record company tried contacting law office mba successful resolution definitely error part	1
see multiple late mark clear violation right fcra company never responded attempt obtain proof documentation prove account reported accurately	0
trying link bank account self credit repair service fee use debit card making payment link bank directly service charge making payment apparently doesnt allow link account like	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
received derogatory remark equifax account received service received bill mail even two year submitted dispute response still writing plenty time sort	1
keep putting stuff background report go pas expected time needed order obtain example job go year back background check put stuff year year back negative purposely trying hender receiving employment im ready sue discrimination damage violating care act right totally damaging person future unfair person changed life aro...	1
paid collection company deleted credit bureau led believe phone payment received would remove credit report reporting agency tried dispute credit bureau company success please assist getting removed credit report	2
dollar dump debt related security fraud party include citigroup scheme devised party use facilitating international debt related payment third party criminality fall rico statute title united state code section statute transnational organized crime xxxxxxxx	4
receive notification credit report derogatory item credit look matter owe anyone besides normal routine bill see collection company never heard listed cbe group amount seen anything writing company notifying debt owed intent place anything credit dispute verifying actual owner debt violation fdcpa company licensed stat...	2
capitalone card information used without permission unknown source aka fraud unauthorized charge totaled almost capitalone initially reversed charge opened case investigate month back forth several hour hold support card information also stolen used without knowledge permission still held responsible charge make capita...	0
late payment remark account due covid due circumstance get chance knowledge time delinquency get payment deferred causing damage applying mortgage typically always pay time ordinary situation	0
dispute attempted credit agency transunion still continues report bankruptcy account incorrectly late payment account regular account seven year date bankruptcy coded never late comment transunion failed produce payment history account substantiate late payment none grouping bankruptcy account late payment inaccurate o...	1
day ago wrote aargon collection agency requested proof validation received correspondence sent three letter avail fully investigated right matter fair debt collection practice act proof provided within day may presume proof alleged debt therefore debt fact exists copy letter date evidence request fair credit reporting ...	2
filed dispute regard incorrect item credit report well day havent received investigation result	1
reached customer service numerous occasion trying rectify problem work apparently issue moneylion end process payment part month caught mistake initiated payment back back day nearing end month fast forward month made error stated missed payment contend bank statement supporting document agree new term extended loan re...	3
contacted many time failed provide necessary document prove account debt belongs resulted loss credit rating	0
payment made via check bank name last four digit account number front check cashed fund withdrawn checking account payment never applied account	0
navient show full fund disbursed year degree actual date attendance would full course completed le percent attendance falsified record showing attended beyond percent attendance revealed navient closed profit location sent letter stating pertinent fact regarding education receive however forced pay included employment ...	3
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
currently debt collected company name located va sent certified letter validate debt within day failed well another sent another certified letter advising failed validate debt also sent debt validation letter transunion date failed send validation debt called around regard validation debt spoke stated received letter h...	1
mande several payment principal website state order bring loan value sent email looking advice amount payment need make principal remove pmi without success	3
u bank reliacard used month half tried use declined call cust serv say locked must send doc verification received called everyday waiting hour hold tell nothing know nothing even looked document call say pic id faxed also uploaded site could read really id took photo meg pix camera phone called bank giving week left br...	0
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
rent payment accepted slate payment detail payment id resident xxxxxxxx amount date payment status paid view receipt payment method check note paid completely directed genesis manager rude since day one paid continue calling threatening manager genesis sent debt credit report paid want genesis investigated management a...	2
someone claiming work credence resource management contacted claiming owed debt two mobile phone line opened open account customer kind least year contacted directly verify call suspected scam crm provide account number provide two phone number provided phone number rep indicated phone number belonged business account ...	2
received recent copy credit report upon looking account noticed account reporting inaccurately incorrectly disputed account hope bureau experian investigation company verify account since mailed letter bureau received response result back upset bureau conduct report inaccurate information disrupt overall well life	1
multiple attempt transunion failed remove inaccurate account credit file sent pertinent documentation transunion several occasion failed properly investigate remove inaccurate account credit file already removed account credit file never able verify validity account transunion able provide documentation proving account...	1
dear madam sir write concern two incorrect fee assessed credit card account called bank twice told time fee would corrected instead charged additional fee also second time similar experience past three month raising concern endemic problem within well fargo system others may experiencing overlooking issued two statemen...	0
hired credit repair company help remove negative thing credit report account date phone number longer appear credit report past statute limitation still appears transunion even attempt removal credit repair company behalf	1
dovenmuehin mortgage company posting payment time get late fes call cash check never got sent video proof trying raise payment month saying behind recorded call stopping refinance cosing time stress loss money	3
made payment account card payment applied account b card month payment paid time month credit card company reported three credit bureau late credit card sent collection call called credit card company made correction contact agency made correction side issue bank statement confirmation showing payment credit card	1
trying purchase first home decided go homeowner program needed help process pulled credit see standing score reviewed report told derogatory item report suspicious account report mine fraudulent need removed never applied item bankruptcy chapter	1
contacted via mail regarding sending bill prepaid credit card balance closed paid payment remove incorrect balance originally billing instead correction credit report ended showing new highest balance called discus would show owing highest balance prepaid card go balance instead getting response got hung way higher bal...	1
capitol one card late paid card full card anymore company told closed however five year refuse remove report disputed called company still report negative help balance paid entire amount called called disputed last year also year nothing	1
someone hacked paypal account fraudulently changed original email address cell phone number original paypal account please advised give anyone permission authorization change personal information paypal account neither notified contacted fraudulently change account paypal find quite disturbing appalling hacker made num...	0
filing complaint bureau ignored request provide document company file used verify account disputed gone past day mark verify account section fcra required promptly delete information verified disputed please resolve matter soon possible thank	1
balance record revealing conflicting incorrect information compared bureau balance account belongs someone else account provide specific data prove belongs remove accordingly balance account must delete immediately due year late payment account already closed balance collection account reported past legal time allowed ...	1
applied credit card military star exchange declined surprised devastated working raising credit score past year finally got higher score say credit card limit purchased brand new bedroom home last year called credit card customer service military exchange today customer service agent told declined credit card card acco...	1
consent order file administered directly effected family small monetary compensation provided still feeling effect three year later however correctable inaccurate credit reporting lead creditor lower credit limit increase interest rate decline mefor credit etc therefore even consent order complete effect still impactin...	0
received email capital one let know credit card getting renewed annual membership fee given situation careful finance want use service unless absolutely necessary immediately called let know wish pay annual fee would either cancel card downgrade non paying card offered non membership fee card understanding annual fee w...	0
account never reported late credit report accident progressive paid balance vehicle gap insurance paid balance owe anything company also reported late payment credit damaged credit	2
make purchase store offer discount apply credit card report came back showing account mine learn identity stolen name used create fraudulent account name report first step document incident hopefully start cleaning name also ftc report filed containing detail account thank	1
submitting complaint following law broken 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 iden...	1
simple complaint began struggling financially bmw called wanting pay give vehicle even told let take vehicle sell owed paid deficiency would delete entry credit report hearing let bmw repossess vehicle see credit report bmw balance point one never sent letter showing vehicle sold two still see credit report even though...	2
noticed account credit report currently litigation showing credit report	1
account least since enter contract since initial year agreement accept offer renew went charged contract fee contract also cancel contract first called cancel allied interstate put collection credit report reducing credit score fraudulent debt even tendered payment without contract fee accord satisfaction demanded full...	2
account capital one appearing credit report surprise ever applied credit card show balance there way paying someone el balance sent many paperwork bureau providing signature personal information luck please help	1
recent hard inquiry credit report authorize specifically told representative want credit pulled thank	1
recently checked credit report notice unauthorized inquiry credco recently applied credit card got approved didnt apply auto loan go dealer im sure fraud activity called company said would get back hour day want inquiry removed report asap	1
guess someone got hold information opened account company name know nothing never opened account	1
noticed hard inquiry business loan experian credit report recognize address organization ga called number referenced inquiry disconnected checked online appear people thing happen http applied federal assistance kind loan date inquiry	1
bank netspend prepaid debit card service email telephone stay georgia checked charged told deposit would refunded account checking checked hotel received receipt show hotel billed debit card never received deposit bank refusing refund money called hotel told released contact bank would release fund account tried resolv...	0
received notification credit monitoring company new account collection company called berlin wheeler inc immediately called company spoke representative informed owed collection agency needed collect debt told already paid final bill returned necessary equipment told paid full called verify information spoke customer s...	2
contacted many time failed provide necessary document prove account debt belongs resulted loss credit rating	1

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