Instruction
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You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Calling a household in which I never lived
| Company disputes the facts presented in the complaint |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | THERE ARE ALOT OF ACCOUNTS THAT I CLOSED MYSELF AND THERES TOO MANY OLD REPORTS ON MY CREDIT REPORT THAT SHOULDNT BE THERE RUINING MY CREDIT SCORE
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | transunion credit bureau has me at a very low score on my credit report ... .i want to know why
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | XXXX account balance was paid of {$220.00} and only showing through XXXX affecting my transunion score.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | FAILED TO VALIDATE DEBT INQUIRY IN DIRECT VIOLATION OF FCRA
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | I do not know who they are but they are calling me on a work issued cell phone number.
| Company can't verify or dispute the facts in the complaint |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Never lived in Pennsylvania in my life.
Also NEVER known as XXXX XXXX XXXX.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Continuous calls several times a day for months, leaving no message. I had to call back to find out who they were.
| Company believes it acted appropriately as authorized by contract or law |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Bank of America is denying my loan modification after XXXX years.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | The debt was paid by the insurance to XXXX Hospital Please remove it from my credit it should have never being reported it was paid by the insurance.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | My mortage comapany Banco Popular of XXXX, refuses to modify my loan so I can keep my home. Investor is XXXX XXXX XXXX.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Will discuss upon receiving notification.
| Company believes it acted appropriately as authorized by contract or law |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | account is showed charged off XXXX seperate times and should just show closed in XXXX 2013
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Continuous calling my number and threating my family and I with legal action.
| Company disputes the facts presented in the complaint |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Closed safe deposit and credit cards for no reason
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | WRONG ADDRESS ON MY REPORT NEVER LIVED THERE
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | I have a similar name and keep having their stuff on my reports!
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | XXXX to XXXX phone calls a day XXXX days a week
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | The AARGON AGNCY has been paid and closed | Company believes it acted appropriately as authorized by contract or law |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Some one used my name and social security number yo open up a light bill at an address I never lived at
| Company can't verify or dispute the facts in the complaint |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | My daughter XXXX XXXX is being listed as my spouse on my credit report. She is my daughter and not my spouse.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | I 've noticed a address on my credit report that does n't belong to me nor have I ever lived at.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Calling my residence on a debt that I do not owe. Harrassing
| Company believes it acted appropriately as authorized by contract or law |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | I desputed XXXX accounts and there were deleted but XXXX of them reappeared with a different collection name.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Trans Union does not want to respond to my requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Experian was erroneous information on my credit report and will not remove it.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Experian is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | There are hard credit checks on my report dating back to XXXX 2013 that i did not authorize.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | I have contacted XXXX and they said they do not have any record of this discrepancy on my account.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Pro Collect has reported XXXX accounts two times each
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | On my XXXX County XXXX record report there is incorrect information on there that does not belong to me and its rendering me from getting employment.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | I had a checking account at US BANK. someone use my account by Fraud. I have sent letters. There put me on XXXX. It is not my Fault.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | I had previously said that appear on my credit report are identity theft. they not mine. those account was made by some one else.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | I keep getting calls, they have called my ex husband and my work. They threaten a lawsuit jail time and to have my drivers license revoked.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | never opened an account which was indicated on report.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | The Macy 's payments website did not process my payment
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | I am getting repeated phone calls from this number with no message left and no ID
| Company can't verify or dispute the facts in the complaint |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Experian has my XXXX XXXX account listed as closed. Its open and paid on timeattached is a copy of report and card information
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | I 've been denied a loan due to not having my credit report
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | My credit score is XXXX. Ally turned me down on a {$7500.00} loan on a {$47000.00} car.
Dealer discount price was subject to a loan with Ally.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | XXXX, TX XXXX ( XXXX ) XXXX Use my credit XXXX time and I only ask for XXXX time, I would like it remove if possible. Thanks
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | I have contacted the company for a hardcopy of my credit report both online and by phone and still have not received a copy
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | I have contacted the company for a copy of my credit report both by phone and online, I still have not received it
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Forced placed insurance
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | The company is calling my work number to collect a debt.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | We ca n't get citi mortgage off of our credit report.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | This account should it be pay by the loan unemployment insurance and they did n't and end it reported in my credic files
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | XXXX XXXX XXXX, was allowed to access my credit report on behalf of XXXX XXXX without my permission and apply for a payday loan.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Name is incorrect.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | I paid my bill on Time. They State that i was late on my bill. So they put inaccurate information on my credit report.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Transunion has let unverifiable information back to my report
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Transunion : Unable to resolve the dispute via their webpage as they seem to just want to sell me a credit monitoring service..
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Addresses and most of the accounts are not mine.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Stonegate Mortgage increase by {$300.00} a month without warning
| Company believes it acted appropriately as authorized by contract or law |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | You have Ally bank listed twice on XXXX/XXXX/2015. I authorized 1 credit check, you do n't get to count it twice
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | A mortgage servicing is inaccurately reporting a tradeline that was discharged in a Chapter XXXX Bankruptcy
| Company believes it acted appropriately as authorized by contract or law |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | You have XXXX XXXX listed twice on XXXX/XXXX/15 ... you penalize me for inquiries and the count them twice
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Credit reporting company score not calculated due to report of deceased status my father is deceased XXXX XXXX XXXX XXXX not XXXX
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | They claim I withdrew my credit application. I never withdrew the application
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | XXXX is reporting I haveSERIOUSLY DELINQUENT ACCOUNTS -- FALSE STATEMENT
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | I faund XXXX inquiries that I mever ask forXXXX XXXX FI on XXXX XXXX XXXX XXXX XXXX
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Creditor is not accurately reporting a mortgage debt to the credit report
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Am being sued. No prior notification or proof of debt
| Company believes it acted appropriately as authorized by contract or law |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Collection agency charging interst rate on judgement
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | They are contacting me regarding my deceased Sister-in-Law of which I have no financial obligation to pay her debt
| Company can't verify or dispute the facts in the complaint |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Visa gift card scam.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | I did not request credit from XXXX.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Inaccurate information still remains of my Credit Report.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | They keep calling me, however when I answer no one speaks and after about 10 seconds it will disconnect the call.
| Company believes it acted appropriately as authorized by contract or law |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | This is a medical bill that was taken care of XXXX and they ( XXXX ) are charging me again!!!
It should not be on here.
ThanksXXXX
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | We pay our margage to Wells Fargo every month ' it is not showing up in out depts
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | There is a hard inquiry on my credit report th at I did make
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | One main put a hard inquiry on my credit report that I didno consent to
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | My ex wife used my social security number and obtained a credit card in my name, while XXXX and its affecting my credit score
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | I do n't work and I 'm on XXXX they already know this and they are not allowed my law to threaten to put a lien on my accounts
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | I have told them to stop calling my work phone # and they continue to call it more than once a day.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | UNAUTHORIZED INQUIRY INTO MY FILE.
NOT PROVIDING FACTUAL RECORD.
| Company believes it acted appropriately as authorized by contract or law |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | I have never been contacted by this company for payment dueThis amount owed has affected my background check which will not allow me obtain employment
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | i keep getting calls from premier portfolio group about a bogus debt i want these scammer to quit calling me now
| Company believes the complaint is the result of a misunderstanding |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | This company has charged me {$38.00} late fees XXXX times.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | There is an apparent personal loan on my report that is not mine.
XXXX XXXX {$3600.00}
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | There was fraud on my account which was unauthorized and my bank will not provide me with a refund.
| Company believes it acted appropriately as authorized by contract or law |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Bank of America is not applying my payments that are over the minimum required payment to the highest rate balances.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | The company is Chess systems I 'm being denied to open bank accounts, credit cards this is. Blocking m. Credit all around. Pls contact me XXXX XXXX
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | BOA has not closed my account after multiple requests and continues to charge fees. Currently they have charged {$1.00} as a " minimum payment due.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | defrauded out of XXXX bywire transfer fraud/ scam.
| Company believes it acted appropriately as authorized by contract or law |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | This is the 3rd time that experian has complete refuse to erase wrong information.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | constant calling and threatingin
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | The credit company contacted my Team Lead at my job looking for me and they wanted information about me.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Someone is in my account
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Someone has a home loan in my name and some credit as well
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | I had request a verification of the debt and the creditor has not done so.
| Company believes it acted appropriately as authorized by contract or law |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | I had an Loan with cash call and paid them way more like 3 times the loan and they harass me
| Company believes it acted appropriately as authorized by contract or law |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Have tried for the past 1.5years to negotiate repayment plan with BOA/XXXX without success
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | This account has been paid in full and should be removed from my account please verify and update my account
| Company believes it acted appropriately as authorized by contract or law |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | HOME @ FIVE MADE A HARD INQUIRE ON MY CREDIT REPORT WITH OUT MY CONSENT
| Company believes complaint caused principally by actions of third party outside the control or direction of the company |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | I have never had a cell phone with XXXX! I have only had XXXX XXXX service!!!!
| Company believes it acted appropriately as authorized by contract or law |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Fees charged for A legal fee, that over drafted my account.
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | TransUnion has a telephone number listed that is incorrect. I have never had or used this number : XXXX
| Company chooses not to provide a public response |
You are a spokesperson person of a perticular bank and you have to give a public response to a user's complaint | Releated Case XXXXThis is in response to the above referenced case number. Please see attached.
| Company chooses not to provide a public response |
Subsets and Splits