Split (2)

train · 114k rows

text stringlengths 3 20.6k	label int64 0 4
received email alert chase stating wire transfer checking account went chase bank freeze account banker helped file claim claim department bank changing account report cell phone got hacked didnt work banker let used bank phone call family banker witness banker asked come back fill statement fact attach support evidenc...	4
really know anything situation happening friend guess old credit card debt year ago first heard situation last told collection office sued garnishing account ssd support help survive paranoid already judgement said account started taking money heard happening asked could use one credit card pay money need said finally ...	2
received email solicitation chase regarding promotion offering chase credit card holder decade previously chase bank account longer bank chase promotion offered customer opportunity earn account bonus completing certain simple activity opening new chase saving account deposit bonus opening new chase checking account mo...	4
credit file disaster someone misusing information credit bureau help need negative item inquiry credit report obtain credit self	1
complaint capital one checking account game account said something fraudulent put freeze account three month said going close account done anything money wo let take money keep letting money go keep telling going close keep accepting cash sent letter saying giving money back got like could write told good account close...	4
initial dispute filed requested investigate item never investigated company appears item dispute consumer effectively request investigation item requested letter failure update bureau reflect item investigation failure provide proof item validated second letter sent via mail verify item bureau continues ignore dispute ...	1
fraud activity pnc bank closed account	2
specific complaint barclays bank submit banking industry oversight authority legal representative following complaint bring barclays behalf barclays refused anything stop posting fraudulent charge four charge totaling u made account requested phone stop posting gaining online access statementa full day actual posting b...	0
reporting wrong balance credit bureau remaining balance car reported stolen gaap insurance company released comprehensive coverage settlement agreed belief reporting balance deceive paying extra money stolen vehicle reporting late credit bureau even though reported vehicle stolen immediately listed account chargeoff to...	1
filling report made aware two account reporting credit mine reason even credit ran today trying help daughter get home loan loan officer ran credit told account co one reflecting badly credit would able open either account allow anyone open behalf benefit anything account money good service benefit contribute payment m...	1
trying get ahold bank america week ask edd debit card fund going access fund bank america refuse answer question work week fault get fund need survive	4
hello opened xxxxxxxx credit card offer got use card month eventually booked flight costed never used card completely forgot used one time never received bill sudden received alert late payment paying three month actually could even remember thought charging annual fee immediately cancelled card paid plus fee literally...	1
costco anywhere visa business card citi date tuesday disputing response letter dated initial account closed office returned citibank per letter responded information incorrect response disputing best tackle clear first claimed unauthorized disputing claim solid historical truth victim id theft police report file corres...	2
equifax allowing report bankruptcy federal bankruptcy court reporting account contract federal bankruptcy court verifying personal info illegal third part report verify information party three credit bureau violating constitutional right allowing report civil judgment xxxxr county tennessee court marked satisfied accou...	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
collection company reporting outdated fraud account mine done business company	2
usa started processing cerdit card company called first data account number company name xxxxxxxx company allowed use process usd almost two week ago never deposited account recieved letter stating open account filled form wrong show ticket per month max cc processing bike range month since holding money respond risk m...	4
write clarify disputing dont dispute often ordered carpet cleaning asked analysis written receipt made dirty needed also asked supervisor info well get called many time week response needed legal documentation purpose wish credited lack response got email garbage useless asked told would problem would made purchase	0
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 day demand	1
discover bank counsel az sued credit card debt owe alleged account stated breach contract judgment issued justice court case filed appealed decision justice court appellate court superior court case appellate court ruled favor stating discover bank standing sue appellate judge found discover bank violation several stat...	2
applied loan never took money closed account day applied company listed account year later delinquent credit report already disputed account cfpb acknowledged mistake since account added credit report open delinquent balance previous compaint number cfpb	1
balance home mortgage decreased significantly transunion credit score decreased point negative credit report since prior reported credit score	1
customer complaint incident date time complaint bank america il complaint employee complaint incident violation contact rule ftc complaint filed specifically bank america ftc complaint report business relationship bank america branch located il know never met bank america employee bank america transaction taken place b...	4
disputed information credit report reported midland credit management multiple account beginning company failed numerous time provide document required law validate alleged debt question provided signed document sent letter notify contacted creditor supposed done per fcra continued report invalidated information direct...	1
trying rent house ga called owner told u download app phone register could self tour house afterwards rental application fee asked put deposit house next day actual rental company called asked liked house wanted rent told already informed u scammed totaling unfortunately sent money bank instant transfer may get back gu...	4
sent dispute letter credit bureau regarding account posted report twice together one file reported another file together account total inaccuracy well day account still inaccuracy updated removed	2
please apprised direct violation fair debt collection practice act opinion violated least three section act failing validate debt allowed debtor usc g section b communicating debtor receiving cease desist certified mail usc g section c violation report past due status collection account harassment alleged debtor abuse ...	1
family emergency required financial assistance turned netcredit nc assistance personal loan loan approved made consistent payment loan year past year balance barely changed loan funded today date balance contacted netcredit see qualified type assistance loan given deferral loan original amount called advised needed ass...	3
several account know open fraudlently writing request initiate formal complaint transunion cra mailed transunion block fraudulent information reported account victim identity theft attached unwilling unable conduct adequate investigation failed refused block usage fraudulent account reported please contact agency initi...	1
trying obtain payoff mortgage tcf bank submitted request payoff three time tcf bank saying received request three week mortgage foreclosure yet tcf bank refusing send payoff think want foreclose much equity property financially benefit paid foreclosed upon scandalous	3
ive discover victim identity theft found someone unknown used personal information open account account number account number immeaditly called credit breuas let know finding advice file ftc report send month later checked credit report fraud account opened using information still show report	1
pandemic state issued prepaid card fund care act company never sent card sent wrong address way access program order new card original card number never received card know number never received correspondence go program company could know pin info required call info system hang also need info anything online never rece...	0
sunrise credit service contract reported delinquent account credit report never received correspoence therefore wasnt able confirm validity charge result credit repot blemished unauthorized account requested method verification used determine debt valid ignored request practiced proper credit reporting procedure per fc...	1
contacted transunion credit agency dispute duplication student loan problem student loan consolidated year ago tried explain transunion four occasion individual tradelines u dept consolidated one loan consolidated loan also reported well dept new loan trade line entry loan duplicated	1
last week used attorney help financial obligation pandemic well sent letter behalf ally bank ally closed account check matured certificate deposit account cash	4
unfortunately aware insurance debt inquired refinancing mortgage contacted company debt collector understanding debt paid full automatic draft payment another factor may played miscommunication move would like pay due amount company debt removed correct credit score	2
fraudulent inquiry credit report authorize inquiry	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
initially placed freeze equifax report online using web site went back temporarily unfreeze time process moved required login web site went process login reset password etc kept getting error attempting login telling call number half hour hold transfer several different people finally reached department deal logins ver...	1
reported debt called inquire receptionist stated see anything record since called collection agency ra rogers spoke xxxxx gave account asked call get confirmation debt valid called back spoke said debt old longer system however appeared owed debt balance insurance paid paid debt right away emailed receipt full balance ...	2
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...	1
reviewing credit report noticed inaccurate information authorize sent letter company day ago still got response account hindering keeping getting auto loan mortgage please verify remove item credit	1
bill go reached company said saw payment try come bank rejected never notified rejection gave late payment get mortgage mark credit company help unfair situation	0
received notice mortgage broker filed application stating credit frozen knowledge never frozen credit order unfreeze credit went experian http followed remove lift security freeze button fill form correctly truthfully hitting submit get security freeze error unable process request would like assistance removing freeze ...	1
usaa ordered supply shipped house next day made second order called local store shipped ship item one truck simple logistics format agreed week never received anything thing randomly come mail truck delivery paid requested wrong item disputed charged usaa several month fighting requesting call back giving information n...	0
well fargo inaccurately unfairly reporting credit bureau causing debt entrapment customer lockdown requested loan entered forbearance entered communicate limit subsequently removed status resulting day late reporting limit communicated despite making additional request extend inquired change place place took speaking g...	1
victim identity theft someone gotten hold identity use personal information open account authorize	1
transunion responding dispute sent last several month law notified received correspondence sending letter since reporting serious error credit file need provide result	1
emailed following good morning due recent economic downturn well laid yesterday unable pay account full option available thank date received reply email	2
experian keep putting name mine never used phone number mine	1
previously disputed fraudulent item credit report still inquiry listed associated identity theft authorized	1
several issue credit report see list attached multiple un authorized inquiry late payment never happened collection account mine chapter mine attached letter every detailed explanation item factually challenged corrected	1
well fargo dealer service repossessed vehicle lawfully dispute defaulted loan disputing remaining false balance remains credit report called recorded line record call pay balance credit report roughly told pay balance well fargo dealer service discharged debt longer pursuing debt debt charged discharged balance told re...	2
purchased software price software scam work advertised tried filing dispute told closed said provide receipt lie emailed receipt initially asked refund scammed credit card company refund money	0
requested item investigated via mail refused perform investigation please delete item attached letter credit report	1
several item credit report mine noticed recently applied credit card approved prompt check credit report item listed mine need deleted credit report xxxxxxxx xxxxxxxx	1
disputed account reached many time failed account reported inaccurately incorrectly credit report	2
victum id theft working burial corrected profile removed fraudulent account open bay thief informed experian correction removal credit profile creditor regardless deceives police found account indeed fraud id theft fact case connection im verge losing business due fraud company closed ny state due corona sba denied loa...	1
im victim identity theft someone got hold credit card used contact company right away reason want still pay something im responsible	1
send paper work send answer since day ago said underwriting	3
recently obtain copy credit report noticed account authorize	1
bj perk mastercard managed comenity illegally applying payment minimum payment amount oldest balance balance highest apr issue past resolved phone happening may able resolve seems systemic issue imagine people happening clearly knew issue last time saw happening resolved submitting complaint even personal issue resolve...	0
seeing unautorized transaction used debt checking account missing dollers	4
someone opened online account name sent letter called ca answer security question set account police report fraud sent identity theft letter get response send bank statement ussa federal saving bank tx never served military open account	4
im sure exact date around card locked due excessive hold time took day find card locked told due identity verification make sense government already verified card month sent id document several time fax upload document avail writing displeased u bank unsatisfied fee inability find free atm area also due terrible custom...	0
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	1
previously submitted letter transunion response filed complaint via cfpb case closed advised allow additional day remove unauthorized inquiry update personal information nothing done complaint closed well day	1
reviewed credit report found inaccurate account file negative account caused tremendous hardship credit feel like helpless knowledge account idea would personal information hand caused great harm credit hard acquire new credit requesting matter would like negative account credit file please keep mind account authorized	1
trying link pnc account account	4
belief credit reporting system important element success commercial banking system also proponent consumer financial protection bureau cfpb tool streamline issue credit report may dragging overall score accordingly address particular issue directly creditor question submitting complaint credit bureau necessary therefor...	2
ordered new vehicle ct contacted vehicle delivered sent website link apply loan take delivery filled online application website specifically explains information shared application printed information provided without approval notification provided information insurance binder time told financed inquired credit ran sho...	1
applied approved mortgage went way loan process issued cd assigned title company closing counsel set closing closing counsel also insisted wire closing fund day closing day closing well fargo left literally sitting closing table show mortgage fund defaulted committed loan put deposit risk well moving expense explanatio...	3
sent information credit bureau investigate item report still sent anything back one letter sent middle pandemic family affected asked respond well day still nothing please help know busy law suppose respond within certain time frame	1
wois placing fraudulent information credit history current status	1
financial credit network inc add derogatory mark credit report per upon research account longer responsible account debtor creditor verify collection requested financial credit network inc validate debt written form communication contract signature accused debt bill without signature validate debt anybody send bill say...	1
wrongly allowed purchase bitcoin coinbase done nothing wrong yet limited allowed personally buy bitcoin exchange	4
account contract paid month son graduated canceled account turned equipment directed given return receipt tv equipment piece contract account closed equipment turned receipt afni reported credit report owed past due collection creditor afni account immediately disputed provided proof account termination equipment retur...	2
chase bank discriminating consumer impacted intentionally knowing committing desperate treatment filed cfpb complaint regarding issue getting fee refunded voluntarily offering back called request refund eventually fee refunded due legwork hour spent phone received chase response complaint stating may refund future fee ...	4
received collection notice debt mine credit management texas creditor account cable quick review credit report found fraudulent creditor debt listed filed identity theft report federal trade commission latter fraud report ny police began contacting credit management alerting fraud sent certified delivery letter arrivin...	2
company contract legal right collect said debt reporting debt violation fcra section section b section b e please provide true certified copy complete audit final forensic internal audit said account furthermore order company validate debt please provide verification audit certification debt entry accordance accordance...	2
erc reporting owed original account balance called erc get information informed account closed called told ca access account company put blame helpful giving information get removed	1
closed primary residence well fargo paying account understand evolving issue process extended however initial application waited five month three week least two processor submitting double documentation get complete know absolutely nothing done would like company acknowledge issue take step resolve customer horrible ex...	3
went learn credit report website mislead toward signing month service thought immediatelt phoned cancelling service received credit card statement showing billing credit phoned transunion cancelled service call next next billing statement see still billed service two billing transunion needed provide credit plus still ...	1
inquiry unauthrozied need removed credit report imediatly	1
originally reached well fargo apply refinancing mortgage currently hold submitted application paid upfront fee applied survey documentation paperwork completed loan submitted approval final decision forthcoming within week notified loan rejected due debt income ratio better credit score last approved le year ago since ...	3
last year went company called remodeling get estimate try get financed new roof company ran name multiple company try get financed credit report showing different company name day hard inquiry reading fair credit act stated inquiry purpose day would considered one called transunion try understand listed different time ...	1
recently going check new car carefully consideration decided apply loan car moment later declined lower interest rate approved extremely high interest rate promoted check credit report notice couple item report mine item need deleted credit report	1
recently discovered discrepancy credit report outstanding balance recognized called collection agency ar told someone florida received medical room florida using ssn time service rendered still living virginia account number given account account account account amount charge fraudulent causing issue upon conclusion ca...	2
victim identity theft item identified highlighted credit report sent relate transaction made applied resulting fraud creating several error hurt credit score value asked please block remove delete information pursuant section fcra reason happened	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 filed...	1
debt claim happened job debt belongs debt told people involved yet still trying come debt	2
misleading advertising impersonating customer nationwide loan consultant florida told qualified loan told could get apr month gave loan amount monthly payment called talked told approved debt consolidation loan told card delinquent creditor typically settle debt unless past day past due responded take several step back...	1
commonwealth financial system pa account commonwealth financial system reporting dept knowledge listed original creditor verify contacting listed date first delinquency date listed assigned date date exceeds year florida statue limitation collecting medical dept account outside statue limitation time reporting please r...	2
barclay bank holding payment day stating right put hold payment unfair money account use card day later see advantageous time call say removed happen today lady saying nothing done one else speak need payment go soon leaf bank access fund anymore	0
sent experian several certified letter day ago disputing late payment reporting inaccurate need corrected never late account also experian one account marked closed open active account experian never responded corrected problem	1
refinanced installment loan total due xxxxwith nobpayment due week went back store location asked clerk make early installment payment would loan increase max could borrow clerk plainly explained payment due would late pay since would day past first payment due date day late complaint ace opolus employee called left ba...	3
according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account liste...	1
issued check husband accident check made law firm waa never made aware issuance check mid lawyer sign added signature issued check living together separated knowlegde signature check issued cashed bank america giving run around bank america lawyer removed accident case handling stating trying get disbarred never contac...	4
much say please see attached document thank help hope help battling since irs taking money year negligence school hunted archive school letter attached could get irs returned money enough school causing lot student pain anyone fight u please	3
dear recognize inquires credit report profile identity theft victim please remove wrong item profile contract company agree anything sure mistake happen people credit report quite certain big mistake kindly ask check delete forever incorrect item credit report wrong information badly effecting life planning	1

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