Split (2)

train · 114k rows

text stringlengths 3 20.6k	label int64 0 4
called local branch key bank inquire wire transfer set appointment next day went bank wire transfer branch manager phone person mention fee told would charged would done cashier check chatted online keybank called number told talk branch called branch manager worked flippant unapologetic mentioning fee refuse refund al...	4
disputing account number bank america paying month year bank america continues state credit report charge amount owned never change well example bank america balance closed example bank america last reported reported balance remark charged bad debt profit loss please remove credit report	2
card comprised called credit card company would never cancel card kept getting late fee continued get charge paid late fee charge negatively affecting credit old card closed new one reissued gotten new card told dont want even though issued new number thing happened new card comprised credit card company hang call pend...	0
pay month experian see score credit bureau score experian got site like score point difference score month big difference experian honest seem please explain thank	1
contacted pnc regarding dispute filed one month ago told dispute closed previous paperwork mailed bank regarding information never received min closing account bank dont give back money information bank need claim sent everything next go news expose fraudulent bank ive pnc year treat customer way	4
complaint involves edd unemployment insurance fund feel identity compromised bank america edd card service ignoring request access fund posted displaced experiencing hardship service failed explain discrepancy action withhold access described oppressive nature main include see status account balance modification availi...	0
noticed collection reported amount original amount updated amount fee immediately call contacted insurance company hospital listed report knew clearly error representative representative billing department came conclusion indeed billing error paid correct amount representative requested medical medical claim processing...	1
borrower said new servicer took accusation ranging bad lending practice violating state law first time ever public see graduation rate pell borrower said new servicer took accusation ranging bad lending practice violating state law first time ever public see graduation rate pell ask would pay violation done ed	1
sent letter regarding inaccurate unknown thing credit report day day later still response demand account deleted immediately file litigation due stress caused information also impacted data breach	1
refinanced loan becu another local credit union vehicle bought used purchased full insurance coverage vehicle national insurance carrier received final notice bank provide proof insurance vehicle becu outsources work company called verify proof insurance would charge insurance premium receive proof insurance provided p...	3
fair collection add derogatory mark credit report upon research account transferred longer responsible creditor verify collection also written form communication contract signature account debt bill without signature validate debt anybody send bill say mine according fcra fair collection violated right consumer request...	1
filed bankruptcy discharged year ago loan care reporting loan violation fair credit reporting act disputed loan today one bureau deleted trade two still reporting negatively due forbearance call number get loop hold minute gave today attempted call reached representative cust serv assisted several question able assist ...	3
used company buy new wheel tire truck agreed http total amount month contract interest rate paying first processing fee first month next month payment signed contract set automatic payment first payment taken checking account paying month straight payment noticed monthly statement amount paying dramatically increased t...	3
paid agreed amount satisfy two loan td bank continue day receive statement claiming owe one loan still open satisfaction letter demonstrate recorded county registry satisfied letter collateral dept stating phoned four occasion discus matter time get bounced around different department left hold indefinitely end nothing...	3
using service called give temporary card use purchase breaking transaction transaction charged course week main credit card capital one credit card suddenly decided allow card used meaning longer use	0
debt collector trying collect debt owed victim identity theft several account opened name social hard road get fixed giving hard time assume think fraud assume see credit whoever opened account made payment stopped guess may consider fraud	1
went help daughter get apartment informed management could get apartment name due good credit left decided pull credit see management lady talking shocked outcome report many item belong please remove item report usdepted	1
credit card amazon synchrony bank starting synchrony continualy posted amount payment sent minimum amount sent five payment continue indicate statments calculation correct paid towards bank talk one problem one place make call understands english repeated ask help regard able get want see every payment made statment se...	0
georgia without consent knowledge solicited several different financial lender credit report internet manager emailed application apply credit credit alert sent indicating several inquires made credit report evening sale dept called informed found someone loan expressed inquired loan reply could nothing unauthorized in...	1
account credit report belong need deleted credit report	1
mailed dispute week ago credit bureau responded following account inquiry come anything done	1
chase bank holding fund without reasoning would told holding check would deposited another bank would allow access fund every time call inquire fund still available tell different thing get phone first customer care agent misinformed fund would available two day time stamp receipt generic date second person informed ch...	4
house broken filed police report contacted bureau someone using personal information open fraudulent account name person name open credit card amount dollar reported police problem continued today sent bureau certified police report support request still done anything regard victim identity theft	1
come attention victim identity theft year collection agency placed collection credit report fraudulent activity contacted collection agency original creditor explained transferred several time felt disrespected customer service representative explaining situation wrong person company unprofessional also sent copy polic...	1
obtained credit report online based finding bankruptcy court item listed credit report per fcra credit bureau validate information original creditor must remove said information consumer credit file bankruptcy court mailed letter emphatically stated provide information credit reporting agency ever validate confirm publ...	1
im working mycredit see couple inquiry idea came	1
lost mastercard credit card checking account online saw two charge account amount made nh also another charge made nh even usa notice fraudulent charge reported right away credit card charge fraudulent made refusing reimburse	0
response unfamiliar listing credit report refusal pay notice sent pursuant fair debt collection practice act usc sec stating claim disputed validation requested request verification proof address request validation respectfully request office provide competent evidence legal obligation pay time also inform office repor...	2
noticed statement balance incorrect total balance page statement reflect credit received page statement total charge credit return correct total balance due tried get resolved chat message phone call unsuccessful told someone would look charge contact received letter week stating dispute resolved mistaken believe mista...	0
dear legal department credit dispute submitted new 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 knowi...	1
complaint original cfpb complaint number sps servicing loan account number select portfolioservicing ut customer relationship manager ext letter sent cfpb response closing case number remember loss mitigation form sps completed thought related extending forbearance case explained plenty opportunity clarify differed cal...	3
problem mortgage company put day late notice credit report tax went know payment came bank automatically every month amount new amount known would fixed right away way found notice credit bureau monitor daily trying secure loan build new home need credit score high possible soon got noticed called paid difference asked...	1
equifax violation fair credit understanding day block fraudulent item credit report failed time frame	1
applied sba ppp first day pnc system accepting application somewhat stable functioning spent approximately hour phone pnc tech support get application submitted email confirmation received stated way customer inquire status rather email would sent additional information needed received email requesting information pnc ...	4
called phone talked said divorce decree court order division asset get asset send divorce decree process get money said need send divorce decree sent digital copy divorce order email specified mentioned account detail divorce order default judgment able contact day received email confirmation receipt email day also ema...	4
received bill offering settle debt galaxy international purchasing debt supposedly incurred long ago called company requested information person called swore accused trying run debt refused give social security number confirm debt swore told send proof mailing address otherwise would assume scam week later sued company...	2
reviewed credit report month ago find fraudulent inaccurate information reporting credit doesnt belong submitted atlas month dispute contacting credit bureau regard removing following information listed police report etc identity theft affidavit supporting claim creditor bureau still removed item credit report well ina...	1
sold apparent debt debt recovery solution company neglected send bill correct address billing cycle received returned mail never notified purchase account send bill correct address purchase made time bill consistently sent wrong address contacted inform never shop would spent amount asked couldnt inform account purchas...	2
unknown hard inquiry credit report im requested verification inquiry method verification td retail card service add hard inquiry credit report company provide following proof permissible purpose written authorization proof personally initiated inquiry knowledge signed document authorizing organization view credit histo...	1
idea afni inc represent company entered collection credit report without notifying contacting regarding debt never account company anyone claim represent afni inc indicating account account number opened company never opened account anybody else account must result identity theft someone opening account name using iden...	2
account appears credit report belong think part identity theft case	2
received letter midland credit management via stating balance mcm stated considering forwarding account attorney state possible litigation hear mcm may proceed forwarding attorney letter head date say supposed deadline receive restricted harassing phone call day every day believe midland credit management	2
tried get rectified multiple time heavily identity utilized stolen much get court order account	1
monday called freedom mortgage fm customer service line discus option difficulty paying due job loss inability collect rent tenant due related hardship advised need send list information document review consideration possible loan hardship option request list attached received list requested info day everything submitt...	3
unknown hard inquiry credit report im requested verification inquiry method verification add hard inquiry credit report per microbilt corporation add hard inquiry credit report per microbilt corporation add hard inquiry credit report per microbilt corporation add hard inquiry credit report per add hard inquiry credit r...	1
inaccurate information updated mortgage balance sent supporting information indicating correct balance balance first sent	1
amidst worldwide crisis facing going pandemic carrying away livelihood job affected still important good positive remark report contacted creditor failed provide necessary document prove account debt belongs resulted loss credit rating	0
paid loan navient reporting student loan open balance recent denial letter show reported account delinquent completely paid also inaccurately reporting old student loan first defaulted loan first defaulted thus aged report uploaded supporting document	1
request believe consumer reporting agency invalidated true spirit fair accurate credit transaction act act first established intended establish plan whereas common american citizen could obtain copy credit report least year free charge since credit reporting agency marketing automation system obtain free annual report ...	1
authorization permissible purpose access credit report	1
tfc bank closed bank account without written verbal communication woukd briefly give quick reason give remaining portion account closed warning new account made bank idea didnt open account dont know account number could even know turn get help	4
chase bank charge dollar overdraft fee branch close neighborhood beginning stated waving banking fee transfer overdraft going	4
response	1
charge made live got email let know fraudulent charge submitted online still charging something	0
application website purchase new computer checkout process offer presented barclays credit card finance purchase new computer month interest barclays credit card knowing credit score desire utilize deferred interest period applied shortly thereafter got email said call certain barclays security number called barclays p...	0
synchrony provided validation debt listed fair debt collection act usc sec b included letter synchrony state could show accurate proof validation debt	2
father passed away going file found four account capital one informed capital one death sent form fill told information need send told business day filled form sent needed paperwork back day email sent back asked information account ie beneficiary joint name account response waited day sent email requesting information...	4
transunion nd fraudulent following account fraudulent credit account fraudulent credit account fraudulent credit account	1
suntrust bank checking account closure day transfer considering year banking relationship suntrust bank recipient customer service extreme first noticed typical suntrust unable log onto internet banking assumed another typical service outage received certified letter suntrust regret inform value relationship made decis...	4
contacted company via error report account resolved yet still reporte find company closed agency release error report confirm amount removed however report according fcra error deleted report verify account business closed authorized release absence receiving response company closed business confirmed via see complaint...	1
account information address mine best knowledge enclosed document account number account number account number account number account number tx single family tx single family tx single family tx tx single family tx single family tx apartment complex tx apartment complex memorial ct tx apartment complex tx multifamily m...	1
proof validating account social security phone ct tx dept xxxxxxxxxx u dept edxxxx u dept edxxxx u dept edxxxx u dept edxxxx attn fraud department writing dispute account referenced disputed account information theft come back stated able verify debt possible law fdcpa contacted collection agency unable get verify inde...	1
submitted application flagstar bank inclusion federal mortgage forbearance program received conformation accepted around received phone call flagstar bank call late mortgage payment called told even though forbearance program try make payment call attempt collect dept told agent considered call attempt collect debt har...	3
amerifirst finical az may concern writing letter formal demand reimbursement loss due poor management transaction due following reason transaction close get handled appropriately lack communication sever email call attempt realtor took calling another branch get response several review company say exact thing refused a...	3
asked verifiable proof debt mine given debt cause identity theft disputed early part please help resolve matter	2
present receiving communication synchrony credit statement via online portal alleged debt owed truth lending act intended inform consumer credit deceived concerning information consumer credit transaction according usc unlawful design compile furnish form knowing form would used create false belief consumer person cred...	2
dealing account time account asking company remove credit report yet remove	2
filed dispute credit reporting agency regard inaccurate information reporting credit report never received notification regard investigation result day filed day demand comply credit bureau still yet receive response initial dispute sent day demand comply sent	1
macy credit card paid sure late credit report	1
disputed item transunion credit report reporting inaccurately hear back bureau sent another later asking comply notify investigation reminded item referring yet hear back	1
cfpb no ally auto account no ending reference account number ending company word deemed total loss last payment prior total loss received ally statute limitation debt seven year reside state ga state ga statute limitation four year ocga ally response show last payment made today beyond well ga law statute	1
specialized loan service continues call mail collection notice debt purchased original mortgage company debt discharged bankruptcy year ago also sent people home leave notice door photographed home also contacted friend personal cell phone absolutely idea obtained information	2
reported fraudulent information credit filed amount contract company never account deleted reinserted without knowledge verification debt broken fcra law reinserting fraudulent debt credit file	1
wh om 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 closed account a...	1
equifax violation fair credit understanding day block fraudulent item credit report failed time frame	1
trying remove credit freeze experian make purchase experian want pin digit provided two year ago fault fix u mail document take day today environment totally unacceptable dead	1
called aca american credit acceptance twice month prior due date first payment inform aca need assistance due order coronavirus pandemic aca informed current nothing aca could since made first payment informed payment late need month deferral aca denied deferral called first week discus car payment aca refused give ass...	3
company started reporting inaccurate information credit report refuse remove started investigation today remove inaccurate information hurting reputation	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 first interaction amerisave mortgage corporation contact person named loan originator nmls id explicitly explained loan process upon first conversation unfortunately left key detail ultimately left experience crumble disaster failed explain application process loan officer information readily available consumer ap...	3
damaged credit score year showing two student loan opened report first payment payment history show actual first payment fair credit report act show entitled accurate credit reporting withheld year payment history lowered credit age year year credit report first report date score mainly calculated failing report correc...	1
name would like file complaint synchrony bank account attempted multiple occasion communicate synchrony bank regarding account underwrite agreed fixed payment contracted per month every statement receive indicates minimum payment greater amount asked told late fee added amount thus increase minimum payment due fee sepa...	0
reviewing report found numerous account inquiry listed report knowledge item result malpractice error	1
contacted freedom mortgage several time refinance existing home loan spoke two different lender first person never called back becuase feel saving enough justify fee several person worked number got number seemed reasonable explained may staying home month refi done received check ask called stated mine keep started pa...	3
initial claim filed bank america charge service supposed horse brochure guide information never received instead merchant reoccurring charge bank bank america refused recover amount instead transaction transaction similar merchant recovered transaction refunded bottom transaction recovered correspondence needed	4
reached three major credit bureau informing error currently reporting process purchasing home horrified discover information must merged someone el none seeing familiar owner account need removed immediately causing distress impacting quality life item put notice remove follows	1
applied obtained line credit cashnetusa approved immediately requested line credit dispersed account soon company began billing twice month told exorbitant payment billed every two week unreasonable demanded payment debiting account directly consulted lawyer said illegal internet loan could help first block automatical...	3
one line cd application bank america opened cd bank america online asked bank routing number account number debit money application opened confirmation number money withdrawn capitalone bank account show day called bofa customercare time guaranteed cd processing account show yet called bofa said allowed open cd online ...	4
american express convinced enter payment plan discovered following morning eliminated credit limit unsuccessfully tried get unwind loan go back normal credit relation told nothing even though told want loan effect credit limit communication phone would never knowingly agree eliminating credit line drafted business asso...	3
old sears credit card bought citibank store went business charge made remember making never received bill finally got notice paid bill thing happened seems citibank tacking late fee account balance thought paid full according bill received finally paid full amount called account closed perfect credit case receiving not...	1
received gift card card expiry date card trying month activate card ever try system tell card expired written customer service response called almost daily held hour hour speak someone response case call cut holding	0
paypal repeat problem transaction unauthorized debit checking account purportedly resolve negative balance paypal account amount never processed transaction via paypal amount tried several time via paypal make small donation political campaign food bank amount time online amount entered defaulted amount immediately got...	4
may concern name received letter stating unemployment benefit money loaded onto prepaid card however received prepaid card received money please help	0
please find complaint never opened account despite response cfpb although contacted never provided information required section fcra required provide nature investigation complaint dispute failed simply refer customer service comply section fcra whether identity process passed test irrelevant required provide specific ...	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
equifax investigate file timely manner extremely upset know must spend many countless hour trying fix mistake credit causing lot please find attached letter previously sent via usps certified mail trying buy house trying avoid unnecessary litigation fcra	1
hunter warfield attempted collect debt utilizing illegal tactic unable verify debt removed credit response decided change name company hwarfield instead illegal tactic account due fact account unable verified illegal causing great damage attemting purchase home stopping process possibly leaving family without home	2
experian failing review research dispute letter received communication experian regarding status dispute letter disappointing bureau taking time actually research issue outlined dispute letter result lack due diligence negative item bureau still continue appear credit report pursuant right dispute incomplete inaccurate...	1
inquiry credit report made capital one authorize inquiry therefore fraud obviously inquiry date fraudulent date close time looked fraud	1
disputed two account twice credit bureau transunion error still fixed account still reporting credit report account sold account credit report disputed information reporting account credit bureau allowed company verify information clearly inaccurate accurate account however account number different open date different ...	1

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