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I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: On XX/XX/2021 I enrolled in a interest free cash transfer and of XXXX dollars plus a XXXX dollar transfer fee which went through perfectly. Except a week later when looking at my statement the trans action was input twice the cash transfer of XXXX dollars and the XXXX dollar transfer fee. I have been calling for about 3 weeks and they XXXX Bank who issued the XXXX master card keep telling me they will correct it and they informed me it happened to a lot of people in error. My main concern is that it has dropped my credit score due to the cards over limit that they caused. {"issue":"Problem with a purchase shown on your statement","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card Sub-product: Not Available User complaint: I obtained care credit for medical expenses which had promotional zero percent interest if the balance was paid within a year. During the year I had a XXXX procedure completed. I paid over the amount of the monthly fee every month and at times XXXX my payments. I began accruing interest and when I called the company to dispute this I was told that I had to call every month after a payment a request that the additional amount I was sending in be credited to the initial purchase. I was told there was nothing I could do and that I would need to pay the interest. This is deceptive and not indicated in the contract. The company is Care Credit now Synchrony Bank. {"issue":"APR or interest rate","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: VA mortgage User complaint: Bottom Line Up Front : PennyMac is Required to Manage my Escrow Account per the terms of my loan. I notified them on XX/XX/2018 that they had paid my taxes partially, but not in full. I gave them the correct amount and contact information for the county tax office. They chose not to pay them or inquire with the county tax office. They finally inquired after the taxes were late and paid them. The problem was the late payment incurred a {$170.00} penalty that they took out of my escrow account instead of paying themselves. I was promised in writing and over the phone that if the taxes were not paid on time they would be responsible not me. Crucial Point : Why was PennyMac suddenly able to determine they had paid the taxes wrong in XXXX after the taxes were due, but not in XXXX before they were due? Why didn't they take the steps I asked them to take on XX/XX/XXXX that they took on XX/XX/XXXX? Summary : I have a required escrow account for taxes and insurance on my PennyMac Loadn. On XX/XX/2018 I reached out to PennyMac by their online secure messenger. I informed them that my property taxes were not being paid correctly, what the correct amount was, and contact information for the county to fix it. I tried and tried to provide them a digital copy, but I could not get their website to work. OnXX/XX/2018 at XXXX EST ( XXXX ) I contacted PennyMac by phone and informed them I couldnt get the property tax bill loaded ( See page 7 of XXXX Bill under call detail ). I was informed I would not be responsible for any late penalties and they would engage the county digitally and get the correct bill. After many phone calls after the bill was not paid at all on XX/XX/2018 I found out today XX/XX/2018 the bill was finally paid out my escrow. Additionally they paid the late fee out my escrow because it was paid after XX/XX/2018 ( {$170.00} ). Additionally on XX/XX/2018 I papered mailed them a copy of the property tax bill and they said they did not receive it. {"issue":"Trouble during payment process","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Other debt User complaint: On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX, XXXX informing me of a debt collection attempt on a non-existent PayPal credit account. I wrote to the XXXX on XX/XX/XXXX informing them that I had been a victim of identify fraud and that I have never had a credit account with PayPal. On XX/XX/XXXX, I received another collection notice from the same company for a different PayPal account number with a different amount. I again wrote the company telling them that I have never had nor ever will have a " credit '' account with PayPal and that this is fraud. I also verified with PayPal that no such account number even exists and that this is clearly fraudulent and to cease and desist from contacting me. On XX/XX/XXXX, XXXX, I received yet another debt collection notice from XXXX with yet a third/different PayPal account number. Each letter states that if I do not write them back, then it is assumed that the debt is legitimate. They need to stop harassing me into taking my time and money to write and send certified letters telling them these are fraudulent accounts. They need to have better controls in place internally to verify that these are in fact even legitimate PayPal accounts, which they are not according to PayPal. {"issue":"Attempts to collect debt not owed","sub_issue":"Debt is not yours"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting Sub-product: Not Available User complaint: Experian and XXXX have apparently been running a scam for more than a year to purposely make it difficult and add costs to obtain our annual credit reports via " XXXX ''. XXXX fills in our private information including social security number and then XXXX is asked to select among which XXXX one wants out of Experian, XXXX or all XXXX. Once selection ( s ) are mad and private information is submitted Experian and XXXX come back with notices about not being able to provide our credit reports via the Internet or that there is a condition preventing delivery over Internet. Then they provide instructions to physically mail one 's very sensitive and private information at our expense to their mailing addresses and hope that we our credit reports in the mail which is a popular method for thieves to obtain information for identity theft AND an exceedingly less secure method than an encrypted communication session directly to our computing devices. This has happened before on other attempts and I believe that this a purposeful act on the part of these credit collecting and reporting companies to discourage transparency of what they do, to interfere with the rights of American consumers, and to force us to pay for our credit reports which should be free not just annually due to the grave impact errors on credit reports on American 's lives. There are no valid technical or monetary excuses as to why these XXXX monopolistic companies can get away with this scam and the XXXX government needs to penalize them heavily for doing this to American consumers and taxpayers on an ongoing basis and make our credit reports fully available again on XXXX '' immediately. {"issue":"Unable to get credit report/credit score","sub_issue":"Problem getting my free annual report"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: I filed a claim in XXXX for a package that was not received in XXXX. The item was a trampoline that was set to arrive in two parts. Only half of the item arrived thus making the product useless. The merchant agreed to refund me but said the credit card company would need to use an authorization code to reverse the other half of the charge. I reached out to them countless times and each time Ive been told its being escalated. Its been four months and nothing. Barclays has the worst customer service representatives and I urge everyone to reconsider when opening a line of credit with them. Their dispute process is lengthy and unfortunately very frustrating to navigate. As you can see in my documentation, the full {$440.00} was charged to my card. Days later, XXXX refunded me {$220.00} which is half the purchase price. Since the item was shipped as two different boxes and we only received one, we only had one box to return to the store however, we are still missing the other half of the order which is what we are disputing. {"issue":"Problem with a purchase shown on your statement","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Student loan Sub-product: Non-federal student loan User complaint: On XXXX XXXX, XXXX, I submitted a CFPB complaint against ECMC for fraudulently and illegally garnishing my wages ( CFPB Complaint # XXXX ). In response, ECMC never provided debt validation, posted my own Notice of Intent to Sue in place of an explanation and claimed that it was keeping the " trade line '' on my Credit Reports, even though it blatantly failed to abide by the FCRA, FDCPA and California XXXX XXXX. My credit report erroneously stated that I had a loan from the lender of " University XXXX XXXX XXXX '', which is not a lending institution, financial institution, nor bank. ECMC then claimed that it was collecting funds on behalf of the University XXXX XXXX XXXX, even though ECMC was not the lender, servicer, nor guarantor. I checked my Experian credit report on XXXX XXXX, XXXX, and I have found that ECMC no longer lists itself as a " trade line '', for supposed loans obtained in XXXX to XXXX, but now lists itself as a new loan originator, with XXXX loans originating in XXXX. I did not attend college in XXXX. I did not take out loans, and I did not contract with ECMC. I never received loans from ECMC, nor any organization affiliated with ECMC. It is clear that ECMC is insistent about wanting to take money from me, even though it has not met its burden to provide proof of the existence of a debt. They are engaged in illegally altering my credit reports, and they are actively engaged in fraud. Further, they contacted the University XXXX XXXX XXXX and requested my transcripts, which is a violation of XXXX. The college provided my Student ID number, all personal data, and grades. All of this happened months AFTER filing a CFPB complaint ( XXXX XXXX, XXXX ). I attended college 12 years ago, and I have never heard anything about supposed loans and never received any documents. The more information I give via complaints, the more ECMC chooses to contact additional people and agencies. I WILL NOT tolerate this financial fraud. My credit score and credit report are the lowest they have ever been ; this is due to the fact that with a 22 year credit history, I now have XXXX " new accounts '' that are XXXX years old and all adverse. These XXXX new accounts were just added after I submitted my XXXX XXXX, XXXX CFPB complaint. I have attached each of the XXXX new accounts listed on my credit report as XXXX files. The process of filing police reports, contacting various agencies, and initiating a lawsuit, are all very time intensive, and the lack of recourse for such blatant violations is astonishing. Even through the crisis of XXXX, I have never seen XXXX in this condition, and it is simply horrifying. How many times does ECMC have to be sued before this will stop permanently? {"issue":"Dealing with my lender or servicer","sub_issue":"Trouble with how payments are handled"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Checking or savings account Sub-product: Checking account User complaint: I have been a Citibank credit card holder for over 32 years and due to the latest bank crises in California I decided to open a checking account with Citibank to distribute my funds. I opened the account online and transferred {$9000.00} to the newly opened account using my bank account with XXXX XXXX that, by the way, has been on my Citibank credit card file for 32 years, it is the account that I use for autopay my Citibank credit card. shortly after, they cancelled the newly opened checking account and refused to refund the money stating that it may take 2 months to issue a refund for " security reasons ''. {"issue":"Closing an account","sub_issue":"Funds not received from closed account"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option {"issue":"Improper use of your report","sub_issue":"Reporting company used your report improperly"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting Sub-product: Not Available User complaint: Transunion had errors in education and employer, and locked me out when trying to update for my " protection ''. {"issue":"Incorrect information on credit report","sub_issue":"Information is not mine"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: My sister XXXX XXXX applied for the XXXX XXXX XXXX , XXXX timeshare on XX/XX/19. I was only supposed to be added to the deed since she was the owner and not have a hard pull inquiry on my credit report. They put a mortgage loan in my name without my authorization and consent. It was agreed upon to be in XXXX 's name. When I got home the evening of XX/XX/19 I had received an email that stated a new inquiry was added to my Equifax report from XXXX XXXX XXXX. I specifically told them I DO NOT authorize to have my credit pulled because I DID NOT want a hard inquiry. I was told by the sales rep that we were being recorded and that would not happen. My sister XXXX since rescinded the contract and cancelled the timeshare. I called the company and they refused to remove the hard inquiry from my credit report. This is fraud and I did not authorize them to check my credit file. {"issue":"Improper use of your report","sub_issue":"Credit inquiries on your report that you don't recognize"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: i personally submitted this request to all three credit bureaus. I went to XXXX XXXX in XXXX XXXX to apply for a lease and was denied due to accounts reporting negative on my credit report that are not mine. I saw on my credit report these accounts that are not mine as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX. I never opened these accounts, nor did I authorize anyone to do so. These accounts are not mine, and I never possessed any goods, money, or services from these accounts being opened. I filed a police report with the XXXX XXXX Police department, as well as adding a fraud alert to my account. {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Federal student loan debt User complaint: I previously reported the loan servicing for not doing what theyre supposed to do on my credit report however, they want to claim that the debt or balance is still there. However, these loans have been XXXX. There is no more debt or balance to be owed and FedLoan servicing keeps fraudulently reporting. They need to fix this issue or they will be litigation. This is not going to continue and I will not continue to be financially harms by Fedloan servicing for them not doing what theyre supposed to do. {"issue":"Attempts to collect debt not owed","sub_issue":"Debt was paid"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: In accordance with the fair credit Reporting act This account has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. {"issue":"Improper use of your report","sub_issue":"Reporting company used your report improperly"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: Equifax is reporting the following alleged medical debts that have not been validated and updated with the company name or contact information. I do not know 1 ) if this is my debt - 2 ) if it is my debt Who I owe and where to pay! I have already disputed with Equifax multiple times over 4 - 6 months and still I do not have further information about the alleged debt listed below. I have a right to an accurate credit file and these type of inaccuracies are unacceptable! Account XXXX. XXXX XXXX {$510.00} {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Their investigation did not fix an error on your report"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I sent a letter out on XX/XX/2022 to XXXX. Here is my tracking Number : XXXX. However, the credit bureaus said they completed an investigation and everything was 100 % accurate. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they speak with. How did they complete this investigation? {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Their investigation did not fix an error on your report"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I XXXX XXXX noticed on XX/XX/2022 that I had a new inquiry on my TransUnion credit account from XXXX XXXX trying to get an loan. I XXXX XXXX never tried to apply for a loan with XXXX XXXX for the simple fact that I know I wouldn't have got approved myself. I don't know how much the loan was placed for.So i'm asking that the inquiry get removed from my TransUnion account because I didn't apply for a loan. I wasn't in need of a loan at the time the loan was placed. {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: Store credit card User complaint: Hi! I opened my Nordstrom Rewards credit card back in XX/XX/2019. I have made a few purchases and payments since then. I tried to login and make my payment on XX/XX/2019and was unable to get it. I called the phone number on the back of my card and they advised me after I made the payment that I needed to send in proof of my identity. I sent in a copy of my social security card, copy of my drivers license, and a utility bill. I kept calling to check on the status and no one could give me an answer. On XX/XX/19 at approx XXXX XXXX I spoke with XXXX operator ID XXXX and she said to me that she is closing my account because something is wrong with my social security number and I need to call the social security administration. I do know that isnt true because I have opened several accounts and just purchased a car, not to mention file my taxes with the same social security number that I have had for 43 years. I said to her that I do believe its a act of discrimination because you didnt close it until I send the copy of my drivers license. I have had this account since XXXX and my social security number had to be verified when you gave me the account. I have made my payments and extra payments. XXXX also asked me twice oh is this the first time this is happening to you and I advised yes I have several accounts and have never had this issue. XXXX advised it was her decision to close it and I advised I will obtain me a lawyer. This is not right and something needs to be done about it. Thank you. This has also been going on for almost a month and I have yet to receive any correspondence in regards to this matter. {"issue":"Closing your account","sub_issue":"Company closed your account"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: VA mortgage User complaint: ME : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Home : XXXX Cell XXXX XXXX- Please feel free to contact me anyway at anytime between the hours of XXXX EST. I have to set the context of this complaint or it won't really be totally clear. XXXX XXXX ) I have two separate complaints, one is with XXXX XXXX and the other is with a VA loan refinance via NewRes mortgage company , the company that bought my existing home loan with the previous mortgage company went Chap XXXX. XXXX XXXX XXXX This is about age discrimination and how it is in GOVERNMENT regulations regarding how these loans are granted. FACTS : I'm a XXXX XXXX XXXX years of age and a XXXX. In this industry, when a XXXX XXXX over the age of about XXXX finds themselves unemployed, it is very difficult to find full time employment again. Not impossible, but very difficult for most of us as companies want young people who will not only work for less, but they feel have the runway to work for their company for decades. I have been told this to my face by managers at more than one company. XXXX, just for example. But it's endemic in the industry- probably many others beside high tech, but certainly this one. What this means is that the average contract is typically XXXX months to a year. And between contracts if you are able to land a new job in XX/XX/XXXX months you're doing great. This is at a time when you really need to be able to save for retirement so there is a perpetual boom bust, pay off the bills you accrued during your last unemployment stint, and then run them up after your contract is over. If you leave contracts early, customers are NOT happy and you will likely not get a good reference- your next job is highly dependent on your last job. If you complain of ageism - Then you're a trouble maker. My problem with this agism, isn't so much how industry treats older workers as disposable, but more as how government regulations have really done a major disservice to older workers how are stuck in this ageism dilemma. Earlier this year, it was clear that my home heating system of forced hot air was making both my wife and daugher sick and had been for at least XXXX XXXX years. After bringing in a XXXX, he told me to rip out my whole forced hot air system and replace it. So I applied for a XXXX XXXX XX/XX/XXXX interest loan for ~ $ XXXX to replace with a heatpump and got it. Even though I have NEVER ( in my XXXX XXXX history ) missed a loan payment, and had a credit score of high 700-mid 800s ( almost perfect ) and had a couple of hundred thousand dollars in the bank- I was denied the loan because at the time I was between contracts ( I am working a contract now ). When I work- if I work for a full year I would typically make about $ XXXX, but usually out for a few months every year. So DENIED.. now that is in a high interest loan now. They blamed XXXX XXXX and said the government set the standards for the loan. I wouldn't have done it if I had known this would happen- but you don't find out until the end. Next - I applied for a refinance of my VA loan ( standards also set by the US government ) to lower my mortgage- they by saving me tens of thousands in my mortgage and giving me some more money out of my property to finish other home improvement tasks as ultimately the value of my home will be my retirement. Both of these discriminate against people like me who can only get contract work, even though we have been both disciplined and a decades long proven track record of a responsible buyer. Thus punishing me for being old, as I would NEVER chose contract work - no medical, no benefits - my average medical insurance payments are $ {$2300.00} a month - now I'm dropping medical because I can't afford it in a gamble that I will make it to XXXX before something happens to me- but I will still have to get insurance for my wife and daughter. I know the people who came up with these programs didn't set out to punish older workers at a time they need programs like these the most - but it is clearly working out that way. I have made now several bad financial decisions because of believing that there would be reasonable terms on government loans and not being rejected as I am a XXXX as I am old. {"issue":"Applying for a mortgage or refinancing an existing mortgage","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Their investigation did not fix an error on your report"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: checking my credit report I am interested in disputing all incorrect information on my credit with transunion. all data is supposed to be 100 % accurate an is hindering my file for approvals. please update all information requested. {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: I do not know User complaint: I applied for a housing loan and they reported to me that i have a collection letter that i have not paid and causing problem with my application. The lender gave me the number of the XXXX XXXX XXXX XXXX and i called them. They person i was talking to could not give me the details of the debt that i supposedly owe them. I looked into XXXX credit score check and found that on XX/XX/2017 I owed {$290.00} and that XXXX company is the collection agency. I called up citibank and talked to many departments and said that i do not have any bank accounts with citibank. So how is it possible that I would owe an amount of {$290.00} from citibank if i didnt have any accounts in the first place? I disputed it with XXXX XXXX but was not sure if they are going to take action on it and its affecting my credit score every single day. {"issue":"Written notification about debt","sub_issue":"Didn't receive notice of right to dispute"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Money transfer, virtual currency, or money service Sub-product: Check cashing service User complaint: This complaint is taken from the actual email sent to the company. The reason for this complaint is due to my experience at a PAYOMATIC located at XXXX XXXX XXXX XXXX in XXXX NY. The reason I chose this location is because you advertise 24 hour service there and as it was after XXXX This is the closest location to me. Normally my wife and I deposit our checks directly into our bank accounts, however in this case we had a dire need to cash this check through your services to then purchase money orders needed for early the next morning. Upon entering I presented the agent with the check I wished to cash and 2 forms of identification. I had advised the agent I was registered with your services many years ago and may still be in your data base. After searching for my information the agent informed me that I was not in the PAYOMATIC data base and asked if I would like to register to complete the transaction and for future transactions. I told her that I did and she proceeded to capture my information for registration, including taking photos of my identification ( Passport card, State I.D ) and face. After all this, the agent informed me that there was a problem cashing the check because the check was dated from XX/XX/2021 at which point I politely informed the agent that the check is a STATE OF NEW YORK Department of Taxation and XXXXXXXX XXXX Credit check ( for homeowners ) it is VALID for up to 1 year of the date of the check. The agent then advised me that because it was tax season things had to be done differently and she would have to call her manager for approval. A bit confused and irritated at this point, I complied as the agent photocopied my check along with my identification and stepped away from the window to call her manager, telling me dont to get an attitude with me, its not my fault. I informed her I did not have an attitude with her and that I was just frustrated over the unorthodox procedure she was carrying out. Upon returning, the agent advised me that she could not reach her manager and would try to call another manager. At this point my patience is wearing thin because this should have been a simple and quick transaction, but it has turned into feelings of discrimination, profiling, and an a growing distrustful demeanor from the agent, as if my I was trying to engage in some sort of illegal act. The agent returned to the window for the third and final time and advised me that she could not get any of her managers on the phone to help ( with an issue that DID NOT exist ) with her processing my check. She then asks who the other name on the check belongs to and I told her it is my wife ( same last names on the check ), she asked if my wife was available or could be present. Floored by this question I asked why and she goes on to inform me that because the check has 2 names ( my wife and I ) she could not cash the check unless the other named person was present. At this point I could see she was looking for reasons not to cash my homeowners tax rebate check. Although utterly insulted by this treatment I politely explained that because the check states both names as Pay to : XXXX XXXX OR XXXXXXXX XXXX NOT XXXXXXXX XXXX AND XXXXXXXX XXXX only one party needed to be present to cash the check. The agent proceeded to try to educate me on how wrong I was and when I asked if this was POLICY of PAYOMATIC she said it was. I explained that legally she was wrong and she then proceeded with great sarcasm to tell me that PAYOMATIC was a cash institution where the policy is what she said it is, she has to go by it and if I didnt like it to take my check to a bank! Even after trying to explain my need to cash my check at that moment, she basically told me take it to a bank with a very rude and indignant attitude. I left with the feeling that If I had walked into that location with my normal jacket and tie on, at an earlier time of day, the check would have been cashed without incident. However, because it was going on XXXX in the morning and a casually dressed XXXX man comes into your location wanting to cash a VALID STATE OF NEW YORK Department of Taxation and XXXX XXXX Credit check, it seems your agent was extremely biased and seems to have felt that some type of fraud was going to take place, and even though everything was in perfect order, the agent blatantly used false excuses and lies not to provide me the much needed service of cashing my check. I understand as a private entity you have the right to refuse service, for various reasons, however in this situation this agent had NO JUST CAUSE to create an atmosphere of distrust and bias against me based on my appearance and the time of day! Usually things like this dont bother me because I have dealt with bias my whole life of XXXX, but I can not get past how I was treated by your agent for actually trying to be a patron of your establishment and services! Furthermore, I need to know what was done with my information and check information that was scanned/photo copied. I do not wish to be registered with your company in any way, I am requesting you delete all information in your system pertaining to me, being that your agent did not provide the services I was registered for. {"issue":"Problem with customer service","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I have a Walmart i card Account ending in XXXX for 1 year now and payments have always been on time, yet they continually lower my credit availability ... based other Synchrony accounts that were fraudulent and reported as such i want my credit avail increased fairly, and reinstated to the XXXX i once had. {"issue":"Incorrect information on your report","sub_issue":"Account information incorrect"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: FHA mortgage User complaint: I got theirs response as always out of the facts they send me the same all the time XXXX I got i loan modification I paid a lawyer I paid at the time {$12000.00} in the new money they called and I was supposed to start new but shellpoint morgage servicing his partner in crimes XXXX XXXX and XXXX XXXX XXXX XXXX XXXX the again changed for lawyer fees court fees and any kind of fees then in XXXX again when shellpoint took over they came telling me they will foreclosure my house couse I owed them over XXXX in in their response they said they don't know what happens before but they know I owed over XXXX they even claimed my wife was on the contract in the mortgage and she did bankruptcy on even before I got my loan modification well that's what they say I don't know why o the purpose of it. XXXX XXXX XXXX is well-known for his corrupted way to make money like countrywide and shellpoint but they keep charging for money fees they make it up that's why in their response shellpoint morgage servicing send paperwork from before XXXX and they can't tell where is the money i owed this corruption at it's best {"issue":"Applying for a mortgage or refinancing an existing mortgage","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: To whom it may concern I've opened an account with XXXX XXXX in XX/XX/XXXX and been late twice due to major XXXX in XX/XX/XXXX which took 3 months to heal and has not been late ever since. I have sent XXXX a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. I opened a PennFed FCU Bank in XX/XX/XXXX and missed XX/XX/XXXX payment due to Major XXXX, Since then My account have been paid on time. I have sent PennFed a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. I opened a XXXX store card in XX/XX/XXXX and missed one payment in XX/XX/XXXX due to job layoff however, since then, my account have been in good standing. I have sent XXXX a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. I opened a XXXX XXXX XXXX XXXX XXXX account in XX/XX/XXXX and never missed a payment, However my report is showing the payment was missed in XX/XX/XXXX, I have called many times and also sent letters to rectify this matter and its been 3 years later and the missed payment is still being reported. {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Problem with personal statement of dispute"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Checking or savings account Sub-product: Other banking product or service User complaint: Wells Fargo called me trying confirm a bank account I never opened and XXXX issues saying something about a pending payment from XXXX and I never did that. XXXX has closed my account for fraud {"issue":"Opening an account","sub_issue":"Account opened as a result of fraud"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I am submitting this Complaint regarding the fraudulent accounts and information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report that I need you removed as soon as possible ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required to remove any accounts and information you report on my Credit File, so please comply with the Federal Law and have the disputed items removed as soon as possible. {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I did not authorize the credit application by XXXX on XX/XX/2022 Someone did the application with my Social security number. {"issue":"Improper use of your report","sub_issue":"Credit inquiries on your report that you don't recognize"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Money transfer, virtual currency, or money service Sub-product: Mobile or digital wallet User complaint: On Monday, XX/XX/2021 I received the following from PayPal, Inc - You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. Reference ID : XXXX There was no further explanation as to why my account was being stopped besides this. I was locked out by internet at phone at getting anymore details. Everything on this account is legitimate. I used a gmail, a debit card from my bank, my phone number and social security number. My account was verified with PayPal. I don't understand how they can decide to hold my money for 180 days. I want my money immediately. Paypal has no right to this money as I have done nothing wrong. If I have done something wrong they need to let me know what that is so I can attempt to fix it. I don't believe I have done anything to warrant this action by Paypal. If they don't want to do business with me, that is their choice, but they need to give me my hard legitimately earned money back right now. {"issue":"Managing, opening, or closing your mobile wallet account","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: 1. XXXX Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, as well as 60 days late in XX/XX/XXXX I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Was not notified of investigation status or results"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Medical debt User complaint: They company XXXX XXXX emailed me a bill for services they say I received at the XXXX office that provided treatment to me. I have requested that an itemized billing statement be sent to me and of course I never received the requested info. I have no idea what this charge is for. The company XXXX XXXX also told me that they do not have an itemized billing statement that they send to their clients. I'm sure that is illegal if you are going to charge someone and report it to the credit bureaus..I have never received any documentation from Metro Collections the reporting entity. How I found out was being denied credit and requesting a copy of my credit report and researched the company. At this time my credit is being impacted and my score has dropped and being denied credit as well. {"issue":"Written notification about debt","sub_issue":"Didn't receive enough information to verify debt"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: Conventional fixed mortgage User complaint: I purchased my home XX/XX/XXXX and did a rate change without requirement of refinance in XX/XX/XXXX. Bank of America improperly recorded the rate change as a Texas 50 a 6 loan ( cash out ) transaction which is now impacting my ability to do a Home Equity loan because of Texas Laws. I subsequently refinanced this same loan 12 years ago with Bank of America and the refinance was done with a XXXX position and XXXX position loan to avoid Private Mortgage Insurance. Neither of those XXXX loans were recorded as Texas 50 a 6 which under Texas law would be prohibited but they were recorded as a standard refinance In addition to those details in the State of- Texas you can only have XXXX Texas 50 a 6 loan at a time if you have a equity loan recorded ( even if recorded improperly ). The XXXX mortgage was again refinanced 19 months ago and again it was not recorded as a Texas 50 a 6 nor did the title company make we aware of the improper recording for a previous mortgage. I recently applied for a XXXX lien position Home Equity loan and my Credit Union found the discrepancy which is attached. That equity loan was to payoff the small XXXX mortgage and do home improvements. They nor any other financial institution can do anything at this point to allow me to use equity in my home until this is resolved. Bank of America has not been helpful in getting their error resolved. {"issue":"Settlement process and costs","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I have contacted Progressive over the telephone regarding a collection that credit collections is reporting. Progressive and credit collections do not respond to the letter I have sent them. I am not disputing an amount owed, because the account shows paid, however this should have never been sent to collections * please see attached letter to Progressive * {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: Experian website does not allow me to recover my stolen account nor speak to anyone on the phone to explain the situation, only automated phone calls no matter how many numbers I try. It is very troublesome that something so critical and important is not/ can not be addressed directly with the company. {"issue":"Problem with fraud alerts or security freezes","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Credit card debt User complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : AMERICAN HONDA FINANCE XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX {"issue":"Written notification about debt","sub_issue":"Didn't receive enough information to verify debt"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: There are a couple of accounts that do not belong to me on my credit reports. Please remove them. {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Private student loan debt User complaint: I am actively being garnished for student loans that do not belong to me and that were collected on illegally. Money is still being pulled from my account and placed into an escrow account because the company, XXXX XXXX XXXX XXXX XXXX, is under investigation for unfair collections practices. These accounts are not listed on my credit reports, I had no former knowledge of this accounts until I was improperly served and then informed of the default judgement and I have tried for the past year to get this judgement vacated. I have requested proper validation of this debt which as resulted in tons of paper work being mailed to me and no definitive proof that these loans in fact are mine and that XXXX XXXX had jurisdiction and legal ownership of these loans to sue me. {"issue":"Attempts to collect debt not owed","sub_issue":"Debt was result of identity theft"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: On XX/XX/XXXX I received a copy of my personal credit report from Experian credit reporting and found out they were reporting 2 accounts from XXXX XXXX services that I did not recognized. I wrote the company on XX/XX/XXXX requesting verification as per the Fair Credit Reporting Act. They send a generic letter stating that they have verified the account that is mine. I wrote again on XX/XX/XXXX requesting proof of the verification to include a contract/agreement with my signature and all other information to verify the account is mine. They responded on XX/XX/XXXX with the same letter as the one I received on XX/XX/XXXX same respond that they have verified that the account is mine. They did not provide a proof of verification or anything to show that they verify the account. I wrote XXXX XXXX at the Executive Office of XXXX on XX/XX/XXXX requesting proof and verification that the account is mine. They responded with statements for a company name XXXX XXXX XXXX. I send Ms XXXX another letter on XX/XX/XXXX letting her know that this is not my company and again requesting proof and verification as required under the Federal Fair Credit Reporting Act ( 15 U.S.C. Section 1681 ). To date I have NOT received any respond to my second letter. It has been way over the 30 days require by law. I wrote Experian again on XX/XX/XXXX, included the letter and respond from XXXX. Letting them know that since XXXX has been unable to provide proof and verification of the account. If they the reporting agency are unable to provide proof and verification that the accounts should be removed from my personal credit file. They responded stating that they have responded to me before and will NOT respond or provide any verification. This is clearly a violation of the Fair Credit Reporting Act. For months I have been trying to get this resolve. Experian has yet to provide the proper proof of verification require by the Fair Credit Reporting Act however they continue to report accounts on my credit report that is unverified and not mine. This bad reporting is causing severe hardship for me and my family and non of these companies involve is concern. This has affected my ability to get a job, to get credit, to send my son to school, to get my professional certification to help better my life. This has made it extremely difficult for me to provide for the basic needs for me and my family. I am in desperately in need of your help to get this company to remove the unverified accounts from my person credit report. They do not care how this is affecting me despite the numerous times I have reach out to them. {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Their investigation did not fix an error on your report"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. {"issue":"Improper use of your report","sub_issue":"Reporting company used your report improperly"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: Received an alert today from my credit reporting as to a mortgage hard inquiry. It was from a bank- XXXX XXXX XXXX XXXX I did not apply for a mortgage or any loan or credit card. It is reported by Equifax {"issue":"Improper use of your report","sub_issue":"Credit inquiries on your report that you don't recognize"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Credit card debt User complaint: On XX/XX/2021 my mother called me stating that she was being harassed by a company named XXXX XXXX XXXX XXXX, looking for me. I got the phone call from my mother at XXXX, XXXX time. I currently live in California. My mother was hysterical, disclosing that the company was calling, threatening to serve me a civil lawsuit at my job. The number she gave me to call them back was a XXXX number, which of course, is no longer in service now. I returned the call because I was scared that this company was really going to take legal action against me. When I called them, a representative answered the phone and mentioned that I had a debt owed from XXXX XXXX. The representative informed me that if I did not pay, I would be taken to court as a result. I informed her that I had not received any notice in the mail about this debt. However, she insisted that they had sent me a few notices. Anyways, the representative passed me onto another representative who claimed the same thing, that I needed to pay or be sued. Even more so, he had all of my personal information as he verified it all to make a point that the debt " supposedly was still being pursued ''. Now, I usually can detect a scam. But being in the midst of the pandemic and having new debt, I was so bogged down with a lot of personal matters. I was caught off guard. I thought it was for real. To confirm, I also believed this was real because I did once have an account through XXXX XXXX. I had a XXXX credit card with them way a few years prior. So, I couldn't recall paying the company back then. I am guessing these scammers managed to go through public records, or something, to get my old account information and use that as means to pose as a real debt collector. However, the guy representative then claimed that my debt was in mediation and that if I paid {$1100.00} they would not come after me. I told him that I did not have that kind of money. So, then he suggested I settle for {$520.00}. Part of me was skeptical, but my back was against the wall. I then arranged to settle, thinking I really owed this debt. So, he took my debit card information that I provided him over the phone. The payment was made and I still felt as though something was not quite right. Even worse, I took the last bit of money out of my savings to make the payment. I was banking with XXXX XXXX at the time and the payment came out immediately. When I checked my transactions, the payment was under the category XXXX XXXX '. Also, XXXX 's name was titled XXXX XXXX XXXX under my bank transactions. Nothing was adding up. Later that day, I received an email from a XXXX XXXX of a credit authorization form to sign. I was directed to XXXX to sign the form. The name of this company on the receipt was a XXXX XXXX XXXX. I was even more confused because on the form, the address stated that they were based in XXXX, IL. All I could think was maybe it was some kind of debt collection ring. I was perplexed in that moment. It didn't stop there though. A few days later, I contacted XXXX XXXX. I managed to get a hold of a representative there and they mentioned that I did once have a a debt on the account, but that the debt was purchased by United Holding Group. Having that information, I then called United Holding Group a few weeks later, but could not get in touch with anyone that day. So I left a voicemail -- desperate to find out what was really going on. Some days later, United Holding Group returned my call. A voicemail left by a XXXX XXXX, asking to call him back, which I did. We spoke and he informed me email a XXXX to have her send me a letter about the account for update. He provided me with XXXX 's XXXX email. On XX/XX/2021, XXXX wrote back, with a letter attached via email, stating that the debt was paid and account closed XXXX years prior. However, the letter sent via email looked very suspicious. From address to phone number to fax number -- -it just looked sketchy. For months now, I have been desperately working to get a refund. I submitted a claim to the FTC. I just really want my money back. I would prefer it in the form of direct deposit to my new bank account if and when this issue is resolved. {"issue":"Took or threatened to take negative or legal action","sub_issue":"Threatened to sue you for very old debt"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I attended XXXX college from the XXXX of XXXX through the XXXX of XXXX to receive an XXXX XXXX. I took out a subsidized loan for XXXX and an unsubsidized loan for XXXX on XX/XX/XXXX Dusing the XXXX quarter. I have the copies of my paperwork and have paid off the XXXX loan. I keep good records and have no problem paying off what I actually owe. However, over the years I have made payments on loans that end up not being mine and the money has been wasted. It has been reported on all XXXX credit agencies that I have several other college loans outstanding. I am currently paying off a XXXX loan and am one month from it being considered current - even though I have no record of taking out that loan. I have written all three credit agencies, sent certified letters to XXXX XXXX and the dept. of education on two separate occasions over the last three years, all to no avail. Even though I ask that the debts be proven to be mine or taken off my reports, nothing happens at all. I am dillegently trying to get my credit record taken care of so that I can some day buy a house. I am reasonably sure that I have figured out what the problem is : onXX/XX/XXXX I signed Voluntary Hardship Forbearance papers ( I have the paperwork for this action ) for the loans I had taken out onXX/XX/XXXX and this date corresponds with some of the outstanding loans. It has been reported that I " took out additional loans '' when in fact, I extended the time period before I needed to start paying my loans off. I went to XXXX College and got a copy of my transcripts, I was not in school in XXXX so no student loans could have been extended to me at that time. These dates ca n't be a loan taken out by me. I would like help getting all student loans off my records, except what is actually owed by me. {"issue":"Incorrect information on your report","sub_issue":"Account information incorrect"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card Sub-product: Not Available User complaint: I had a XXXX credit card with continental finance I never missed a payment then all of the sudden the company said my online account as no longer valid because they changed to a XXXX company. I never received my new card and I continued to call the old company and I got no help. I made a payment on my old account for the balance but the representative afterwards could n't find it when I got a call from a credit agency after my card had gone into collections. I never received my new card and I keep getting calls from creditors about this account that has no way of paying it. I feel like I had been scammed {"issue":"Other","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: FHA mortgage User complaint: I completed a loan modification with Wells Fargo. I paid on-time forXXXX months. During the process I was told I had title issues. This is my XXXX attempt at a modification with the title work being the hold up of completion. I filed bankruptcy and am not obligated to repay any of the debt of this mortgage loan. However, Wells Fargo and its title agency are falsifying information and including debts and liens from another person. I have provided information to them on several occasions that this person of the same name is not me. I have paid for an independent title search and these debts are not on my credit report. During the trial period of three months I had XXXX different specialists aasigned to me case. I received a letter recently stating I had to respond to the title issues or my modification would be denied. I responded with all requested documents and I called to confirm the documents were received. When I asked about the documents, a rep told me that they had not even been reviewed yet by the title department but yet a letter was sent stating they would deny my request. At this point, I really feel as though Wells FArgo does not want to complete this modification and are determined to make these liens which I have proved do not belong to me, a part of my file as their jusitication to mot approve it. I have years of experience with lending and real estate and ca n't even imagine the number of people who they have probably taken their houses away from them in this manner. {"issue":"Loan modification,collection,foreclosure","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Other personal consumer report User complaint: Two renter applications made that I did not make. First, application to an apartment or residence XXXX XXXX XXXX XXXX, TX XXXX In XX/XX/XXXXThis was not me. Second, application to an apartment or residence XXXX XXXX XXXX XXXX XXXX, NY XXXX In XX/XX/XXXX This also, was not me. I dont know if this is identity theft or not, but neither of these instances were applied for by my person. {"issue":"Incorrect information on your report","sub_issue":"Information is incorrect"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: In Accordance with the FCRA XXXX Account number XXXX has violated my rights XXXX XXXX Account number XXXX Delete Asap XXXX XXXX XXXX XXXX Account number xxxx Delete Asap XXXX XXXXXXXX XXXX XXXX Account number XXXX Delete ALL late payments XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Delete Asap XXXX XXXX XXXX Account number XXXX {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Their investigation did not fix an error on your report"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting Sub-product: Not Available User complaint: I received ticket in Indiana for failure to obey traffic signal. On XXXX the speed limit was XXXX but slowed down when was close to red light when my front steer tires hit the white line the light turned yellow .there was an officer sitting in red light to my left. He should know that I could not have stopped that quick even if I were goin XXXX the weight of a tractor trailer would not be able stop so sudden without loosing the load on flatbed trailer. I was goin show for court but it 's very hard. For driver to make court when you travel so many states. {"issue":"Credit monitoring or identity protection","sub_issue":"Receiving unwanted marketing/advertising"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Other (i.e. phone, health club, etc.) User complaint: I have repeatedly asked for itemized explanation of the debt as it is easily four times that of what I should owe. I have asked for a settlement amount. I have asked to be called when I am available to talk which is after XXXX. I get repeated calls at the time that they know that I can not talk, and they give none of the above information. I am attempting to settle this matter but they do not seem to want to give me the proper information AND while I wait for this information they report again and again on my credit report. {"issue":"Disclosure verification of debt","sub_issue":"Not given enough info to verify debt"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Credit card User complaint: The company notified my job and brother and I do n't know how they got my information {"issue":"Taking/threatening an illegal action","sub_issue":"Threatened to sue on too old debt"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: I do not know User complaint: On or about XXXX XXXX, 2017, the collection agency responded to the CFPB ( Consumer Financial Protection Bureau ) advising the matter has been closed in the office. However, this agency was negligent in informing the CFPB that the information in which they reported to the major credit reporting repositories will be removed. {"issue":"Written notification about debt","sub_issue":"Didn't receive enough information to verify debt"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: Other type of mortgage User complaint: I had been taking advantage of the forbearance program offered by my then mortgage company XXXX XXXX back XXXXXX/XX/XXXX. In XXXX XXXX I was notified that my mortgage was being sold to another company and well be serviced by ( Carrington mortgage services ). I contacted Carrington to setup my account information and to conclude the forbearance program offered. I person told my forbearance period would be ending XXXX and that I would need to filled out a " loan modification '' and send it back to them i did so XX/XX/XXXX. at the time the document showed an arrears of {$7900.00} this figure is end conflict with a mailed billed dated XX/XX/XXXX that states I owe {$8700.00} That person at carrington contacted me stating the documents didn't pass their companies quality control department. This also happened again on XX/XX/XXXX when I Resubmitted with new dated signed on them by the notary and me. On XX/XX/XXXX. This set back had caused a delay in the forbearance period ending. The final approved loan modification on XX/XX/XXXX. During the extended time involved in finalizing these documents. Carrington ( mailed me ) again extended for forbearance time to end XX/XX/XXXX. The final documents signed and dated were approved and submitted on XX/XX/XXXX. I believing that my 1st payment due on XX/XX/XXXX. XXXX made the payment online through carrington web portal but ; It showed that payment went towards the XXXX payment of my account. I contacted the same person at carrington and told me that the XXXX and XXXX payments would not be required. this statement is also in his email to me. I tried to log in to my carrington account online to make my XXXX payment only to see i'm locked out from making a payment. i contacted carrington and asked what i need to do. A different person told me that my forbearance ended XX/XX/XXXX and that i'm too far behind to use the online payment option. I explained I had a company letter head mail stating by forbearance end XX/XX/XXXX. That person said " they see no record of that in my file '' He also asked if I would email him a copy of the letter which i did XX/XX/XXXX. Carrington and it's agent had giving me and extended period of time to complete and return the required documents they needed. their agent told me and also in emails that I don't own for the months of XXXX and XX/XX/XXXX. I've repeatedly asked for copies of their documents from the quality control department that show the reason why they fail. this too was never replied to. They ( carrington and it's agents ) have refused to reply to multiple calls regarding this matter. even during conference calls with a 3rd party credit/debt resolution company. I want to make my payments and carrington and/or it's agents well not let me. The Final FHA load modification paperwork carrington submitted and approval for is wrong. It wasn't signed, submitted and approved until mid. XX/XX/XXXX. {"issue":"Trouble during payment process","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Bank account or service Sub-product: Other bank product/service User complaint: I own a Roofing company & I 've been working in the XXXX XXXX Michigan area this summer & i have XXXX me into this same Chase Bank location on XXXX XXXX after receiving checks from my clients. Each time I come in, I get XXXX, a banking representative there who each & everytime has been unruly, extremely uncooperative immediately & unwilling to resolve any matters I have requested such as cashing of a check. I 've never been so offended by any banking official & i deal with banks daily for over 30 years. I 've never had a problem cashing a check anywhere like I have with XXXX and been spoken to so extremely rudely as I have been by XXXX at this location. {"issue":"Deposits and withdrawals","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: I do not know User complaint: I am receiving attempts to collect from a company ( XXXX XXXX XXXX , XXXX ) I am not aware. In addition, the company ( Onemain Financial , Inc ) is listed, as the original creditor, I am unaware. I need to prove from XXXX XXXX XXXX that are attempting to collect a fraudulent debt. I need to see an original contract signed by me. I am know that I have never signed a contract with either of these companies. I have looked through my personal paperwork ( contracts signed from XXXX ). I have no records of a contract by me with XXXX XXXX XXXX or Onemein Financial. XXXX XXXX XXXX has been report erroneous information to the crediting reporting agencies of a " bad debt. '' If XXXX XXXX XXXX has proof of debt with my signature, I want the company to produce that information. As a now, I receiving notices from a them and I have no idea who they are and what " debt '' there attempting to collect. If this attempt is legitimate, I sure the company will comply and produce the original document establishing a " debt ''. This is an attempt to establish if this is a valid attempt to collect because I have no knowledge of these companies and signing any contracts with them. {"issue":"Cont'd attempts collect debt not owed","sub_issue":"Debt is not mine"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$650.00} {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX DEPT OF ED/XXXX Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. {"issue":"Improper use of your report","sub_issue":"Reporting company used your report improperly"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: Other type of mortgage User complaint: at the end of last year the cellar informed me that her husband had deceased and Fidelity National was holding funds for my payments to her until they could verify that she was the new recipient for this account please note that I've never been late on a payment and I tried 2 get a clear and decisive answer from this company and never could get a clear answer on what was going on with my money that I was sending 4 payments on this mortgage they cancelled my automatic payments at one time and I still couldn't get a clear answer of what was going on so for my protection I put a stop payment on their automatic payments going to them for this payment on the mortgage and sent the payment directly to the seller in the month of XX/XX/2019 and now all the sudden they show a non-sufficient fund for payments on my credit I have called them since then and the guy that I spoke to said that they would straighten it out and remove that non-sufficient funds I have also remove the stop payment from my checking account so that they can receive payments automatically again I just did that this week on my last statement from XXXX they showed that my interest that was applied to this mortgage payment last month was double of what it should been and I asked them to straighten that out to please note that they are not carrying this note for me they are not my lender the seller is carrying the note they are only supposed to be handling my funds and making sure that the seller gets the money that I pay for these mortgage payments I noticed on my credit report from XXXX that it shows that there has been something reported oh my credit that has to do with my mortgage payment a my mortgage payment should not even be acknowledged with the way it's set up through this company since the seller is the one carrying the note can you please look into this for me and straighten out this thing that has been reported to my credit that's a negative it's made my credit score go down 47 points and it's not fair to me they are the ones that was not disbursing funds to the seller as they should and I did what I thought I needed to do to make sure that the seller was getting her payments thank you very sincerely {"issue":"Trouble during payment process","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card Sub-product: Not Available User complaint: I have disputed this account several times with Capital One. I have informed them that this account was a result of identity theft. I sent Capital One a Fraud Affidavit and they still have not remove this account from my credit file. They are in violation of the FCRA by not removing this account from my credit file. {"issue":"Identity theft / Fraud / Embezzlement","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Money transfer, virtual currency, or money service Sub-product: Debt settlement User complaint: I do not know if you can help me or not. I decided to say something after my mother was involved in a class actions suit and received a settlement for the same type of company. About ten years ago I signed up with a debt settlement company. I thing there name was XXXX XXXX. All I remember is that they took money every month and put it into an account at XXXX XXXX XXXX. They said they would settle my debt. I was told to have all my creditor 's contact them and they would handle everything. I paid a large sum every month and all I got was liens and a wage garnishment. When I told them I no longer wanted to work with them and wanted my money back that was being held in this account, I was told that the money was not refundable as it went to pay their fees. {"issue":"Unexpected or other fees","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: Citi bank refusing to remove unauthorized charges for 3 months with explanation that they are investigating, as thou citi bank is trying to proof Im responsible for this charge. Even telling me to pay the charge or they report as non-payment to credit reporting bureaus. Their lack of card security enabled this unauthorized transaction. Since citi bank authorized the charge without verification. On the merchant statement that was submitted, 0name was wrong and the address was wrong, Citi bank reps refusing to acknowledge the law of Fair Credit Billing Act. Credit CARD Act of XX/XX/XXXX eRegulations 12 CFR Part 1026 ( Regulation Z ) Credit Card Loss or Fraudulent Charges Under the FCBA, your liability for unauthorized use of your credit card tops out at {$50.00}. However, if you report the loss before your credit card is used, the FCBA says you are not responsible for any charges you didnt authorize. If your credit card number is stolen, but not the card, you are not liable for unauthorized use. XX/XX/XXXX REVERSE XXXX XXXX ONLINE XXXX Posted Date : XX/XX/XXXX {$980.00} {"issue":"Problem with a purchase shown on your statement","sub_issue":"Card was charged for something you did not purchase with the card"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Medical debt User complaint: At the time of this debt I was/am a XXXX XXXX, only working XXXX XXXX. The XXXX XXXX XXXX XXXXXXXX XXXX bill was almost {$2000.00}. I called the hospital, spoke to XXXX XXXX, told him I could not afford to pay all at once. He said to pay just what I could. I also called the number on the hospital bill after speaking with him, and they told me at that time he did not work there anymore, but I could ask for help with the bill by filling out the charities form that I could get online on their Web site, which I did, and I mailed it Certified Mail, and received back the signature card from the post office that they received it [ I have copies of proof of mailing and receipt ]. I sent in everything they asked for. I waited a few months, did not hear anything, called back. It was at this time I was told they didn't receive it. I have proof they received it. My parents then said they would help me by paying the hospital {$20.00} a month on autopay from their checking account. I also have proof of their payments over the last six months. The last bill I received from the hospital said if payment has been made to disregard this notice, so I knew my parents were paying monthly on the account, so I disregarded that notice since a monthly payment was being made. The next correspondence I received just yesterday is from a collection agency. I have been making a good faith attempt to slowly pay off this debt and they sent me to a collection agency anyway. The starting bill was {$1900.00}, the bill from the collection agency shows the balance as {$1800.00}. These are the payments made : XX/XX/18 - paid {$25.00} ; XX/XX/18 paid {$20.00} ; XX/XX/18 paid {$20.00} ; XX/XX/18 paid {$20.00} ; XX/XX/18 paid {$20.00} ; XX/XX/18 paid {$20.00}. There was a scheduled autopay check that was to continue going out monthly until it was paid off, but now I have received this collections letter, which means the hospital sold this invoice to BCA Financial Services and it is out of the hands of the hospital. This is wrong and should be investigated. {"issue":"Took or threatened to take negative or legal action","sub_issue":"Threatened or suggested your credit would be damaged"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Checking or savings account Sub-product: Checking account User complaint: On XX/XX/2022, my bank text me a fraudulent asking if I had made a purchase from XXXX in the amount of {$530.00}. I immediately responded that the charge was not mine. I then called XXXX. XXXX quickly shut my account down. I called my bank who told me the charge was pending and I would need to go in to a branch to do the paperwork. On Monday the XXXX I went into the bank to submit my claim. My bank put the {$530.00} back into my account pending their investigation. On XX/XX/2022 my bank took the {$530.00} back out of my account stating the dispute has been investigated and they have found the purchase to be made as correct. I have a letter from XXXX stating the charge is not legitimate. I went back into my bank on XX/XX/XXXX to show them the letters I have. The bank then told me the investigation was over and there was nothing further they would do. We had them call the fraud department who also said there is nothing further that they will do. I do not feel they properly investigated the charge. My bank is who notified me of the charge and I immediately responded that I did not make the charge. I strongly feel at that moment the charge should have not been allowed to go through. Where it stands now, XXXX can see on their end that the money was returned to me by my bank and that the case is closed. XXXX can not see that my bank then took the money back out of my account so now it is still unresolved. {"issue":"Problem with a lender or other company charging your account","sub_issue":"Transaction was not authorized"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: In XX/XX/2021, my Discover Credit Card was stolen and purchases were being made without my permission. From XX/XX/2021 to XX/XX/2021 my card was charged {$11000.00}. When these transactions took place Discover failed to notify me that these transactions were happening. They did not call me or message me asking if I was making these purchases. One of the charges included was a hotel charge in Florida of over {$4000.00}, how can they charge me for that and not call me to confirm it was me. In addition, I only have a {$9500.00} credit limit on my account, so how in the world did my balance jump to {$11000.00}. They have deemed that the transactions are valid, even after I provide proof that I was in CT with credit card statements that showed my presence in CT through purchases I made. I have cooperated with them to the best of my ability, yet they have failed to help me in this terrible situation. They have failed to protect me in this situation and have left me in a position with a debt that I can not afford. The negative impact on my life will be astronomical from this situation, and the only thing they care about is themselves and taking advantage of their customers. They also provided zero proof that I benefited from any of the transactions. In addition, there were two fraudulent plane ticket purchases and two fraudulent hotel rooms both booked during the same week. Discover was claiming that I was in two different places during the same week, their only explanation was that my name was on there providing zero proof of their claim. After speaking with XXXX XXXX from the executive office of discover he told me that the only way that they would open the case up is if I file a police report. I went to multiple police stations to try and get someone to write a report for me and they all said the same thing, " We do not write police reports on credit card fraud because of its international nature. '' Yet Discover continues to tell me that I need one. They have pinned this debt to my name with no worry in the world. XXXX XXXX from discover has not been helpful to resolve my issue and has not returned my phone calls. Discover does NOT protect you if you are a victim of fraud. This is my third time writing a complaint with them and its been close to 6 months since the fraud occurred, nothing has changed. {"issue":"Problem with a purchase shown on your statement","sub_issue":"Card was charged for something you did not purchase with the card"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting Sub-product: Not Available User complaint: I received a letter from XXXX XXXX first advising that due to change in credit score decreasing credit limit. XXXX XXXX just sent the exact letter that XXXX XXXX sent with a credit score of XXXX. It appears that Equifax is the credit reporting agency. XXXX has advised that there has been no suspicious activity however Equifax has continued to report out this wrong information. I do have a copy of credit report from XXXX which does not show anything to support this low score from Equifax {"issue":"Unable to get credit report/credit score","sub_issue":"Problem getting report or credit score"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: Wells Fargo closed my credit card account without giving me notice. The credit card was current with no late payments. It had a XXXX balance, I have 3 other accounts including a paid in full car loan, another card paid in full. Their reason was that 12 years ago I had a late pay. It was not an issue when they issued me the card. Another reason given was that my cash accounts ( checking & saving ) did not have high enough balance. I have over XXXX in savings in other banks. Their reasons are not legitimate -it also caused my fico score to drop because my avail credit dropped!!!! {"issue":"Closing your account","sub_issue":"Company closed your account"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Checking or savings account Sub-product: Savings account User complaint: opened a savings account on XX/XX/XXXX. Initial deposit of XXXX then two other deposits of XXXX then XXXX. XX/XX/XXXX my account was blocked. I called, and they told me my account is blocked and they it was under review and that it would take 24-48 hours. It has now been two weeks and they still say that my account is being reviewed and they don't know why it's taking so long and how long it would take. They also can't transfer me to whatever department does the reviews. I've called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, I have also texted their text line XXXX XXXX XXXX XXXX, I've also talked to their online chat service and emailed customer service at XXXX The only activity on my account was the 3 deposits. I never used the debit card or even transferred money out of the account. {"issue":"Closing an account","sub_issue":"Company closed your account"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: FHA mortgage User complaint: I just called in to schedule a payment with my mortgage company and they are refusing to take the payment unless I can bring my account fully current all at once. We are 4 months behind and also owe this month ( 5 months worth ). We only fell behind because we were in the process of working with our mortgage company to get our loan modified. This process took over a year and, in the long run, they cancelled our modification without our permission because we fell outside of their timeline due to the fact that we were waiting for them to respond to something we requested in writing. I have made several complaints about this mortgage company and so far nothing has been done in our favor. The only reason we even have a mortgage with this company is because our mortgage keeps getting moved by the government due to fraudulent lending practices. Each time we are moved to an increasingly fraudulent lender and our account suffers as a result of this. It has been an ongoing battle with mortgage companies since at least 2007. {"issue":"Loan servicing, payments, escrow account","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Vehicle loan or lease Sub-product: Loan User complaint: Purchased Used vehicle XXXX contract amount was XXXX @ {$740.00} per month for 60 months. Santander has us still owing {$23000.00} as of XXXX, Current statement has owing more than we borrowed and have made payments. I think that is impossible. We have contacted them numerous times over the last year to ask options and we have 2 options. 1- turn the car in under a repo and get sued for balance or 2- pay off the balance. We are on a fixed income and no longer can afford the car loan, as it should be paid off and then some. The value of the car is less than 9K at this point. Abusive lending practices.Extreme lending rates. {"issue":"Managing the loan or lease","sub_issue":"Problem with the interest rate"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Credit card debt User complaint: The last day XXXX XXXX XXXX and Resurgent Capital reported to the credit reporting agencies was XX/XX/XXXX. On that day they reported I owed {$740.00}. It is now a month later ( XX/XX/XXXX) and they are still reporting that I owe {$740.00}. In addition, they have already garnished my paycheck for MORE than that amount. The total money they fraudulently took from me was {$1000.00}. It has been more than enough time for them to update this and report that the matter has been closed and to remove it from my credit report. They fraudulently ballooned the charges up to {$1000.00} when they asked for the garnishment order. They NEVER reported that amount being owed to the credit reporting agencies. XXXX XXXX XXXX and Resurgent Capital Services L.P. have unlawfully collected on this debt. I have not signed any agreement or contract with either of these entities. This is a common action they often abuse unjustly and unfairly by doubling or quadrupling the debt when they acquire it even when the debt has been charged off or exhausted. They have not stated the date in which they claim to have taken ownership of this debt AND they have not even provided proof of their ownership of this debt. Instead they were hoping to scare me into inaction so they could get a default judgment. This is an unscrupulous practice whereby they purchase debts for as little as possible by only obtaining the bare minimum amount of information needed in order to threaten and coerce the consumer into making payments. Another routine practice of theirs to trick consumers out of their hard- earned monies is they often pass the debt between their multiple entities ( Resurgent Capital Services LP , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in order to entrap, trick, and restart the debt, which supports ethical fallacies, rationale fallacies and rhetorical fallacies which is reprehensible by all means, despicable and corrupt. Anyone who spends any time researching XXXX can find numerous examples of their phony business conduct, which are unfair and deeply troubling. {"issue":"Took or threatened to take negative or legal action","sub_issue":"Seized or attempted to seize your property"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Other debt User complaint: I escaped from an abusive marriage last year and moved to Washington state. I have lived here for two years now with my family which is why i was shocked to receive a bill from the apartment that i shared with my ex husband when he moved out. Now the whole reason i left XXXX XXXX was due to the police knocking on the door ( when i lived in XXXX XXXX ) if my apartment saying i was unlawfully trespassing by being inside the apartment with my brand new newborn baby because i was not on the lease. I had been removed prior because of the XXXX XXXX. I have contacted the collection company many times they have said they would remove it if proof was mailed. I faxed over proof and they did nothing. I have contacted the orgianl creditor. They stated they no longer own that property and have no records which i know cant be true and even if so i have proof a letter from the current leasing staff saying i was being removed over a year ago. Not only do i need this gone but Id love to have peace of mind knowing this wont happen again {"issue":"Attempts to collect debt not owed","sub_issue":"Debt is not yours"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I called XXXX to dispute inquiries that are showing on my report. they are wrong. agent at XXXX told me to contact the companies. I have no idea who they are or how to contact them. I asked for supervisor. He was unhelpful as well and was lying to me. When I asked him his name and ID number to report him, he said XXXX XXXX. He is from XXXX, he is not XXXX XXXX. He is lying. I then spoke to another supervisor " XXXX XXXX ''.. CreditorInquiry Date XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXXXX/XX/XXXX {"issue":"Incorrect information on your report","sub_issue":"Account information incorrect"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Payday loan User complaint: I just received a letter from someone impersonating an officer working for the government threatening to garnish and arrest me. I have never received anything in writing from this creditor for this loan. Years ago I did apply through ACE but it 's since been discharged in my Chapter XXXX bankruptcy back in 2012. I have asked them to stop threatening and contacting me but to no avail. Now they are threatening me in a written letter which I am attaching. {"issue":"Taking/threatening an illegal action","sub_issue":"Threatened arrest/jail if do not pay"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting Sub-product: Not Available User complaint: Equifax continues to report a Chapter XXXX bankruptcy that was filed XX/XX/XXXX on my credit report. This is in violation of their stated guidelines reported here XXXX XX/XX/XXXXWhich states : Public RecordsJudgments remain on file for seven years from the date filed, whether satisfied ( paid ) or notPaid or released tax liens remain on file for seven years from the date released or 10 years from the date filedUnpaid or unreleased tax liens remain 10 years from the file dateBankruptcy - Chapters XXXX, XXXX, and non-discharged or dismissed chapters XXXX and XXXX remain on file for 10 years from the date filed - Discharged chapters XXXX and XXXX remain on file for seven years from the date filedNew York State Residents Only ( must be current resident ) Satisfied judgments remain five years from the date filedPaid collections remain five years from the date of last activityAll other purge rules as noted above apply {"issue":"Incorrect information on credit report","sub_issue":"Public record"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: FHA mortgage User complaint: XXXX XXXX XXXX in 2015 gave me a loan modification they put {>= $1,000,000} or more into my balance they claimed it was for escrow missing payments home insurance some money to pay their lawyers and they claimed to people that was taking care of the house charges that they made up I started to make my monthly payments even that they gave me a payment I can afford 2 mounts into the new balance at this point they have made 2 loans one no interest no late fees no extra charges but my due date was the first of each month so it always looked like a late payment or missing payment 8 mounts ago XXXX XXXX XXXX sold my mortgage to XXXX XXXX and shellpoint mortgage services and since the first day this fraudulent company keep sending me a different amount Extra charges late fees and any other charges that XXXX XXXX XXXXXXXX couldn't charge I contact them and I asked them which mount I'm supposed to be behind but when I sent them the probe of that mount they keep saying it is another month they claimed is escrow but every year they adjust it if may home insurance go up or my taxes my payments started at the beginning of my new mounty Payne was {$1400.00} and this days I'm paying {$1600.00} and they say it is because the escrow they keep claiming I owed them {"issue":"Trouble during payment process","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Credit card debt User complaint: I recently sent a packet of Notices to you DISCOVER BANK to correct some errors in Billing as you are currently attempting to collect alleged debts from me, the natural person, private individual, consumer and Original Creditor involved in these consumer credit transactions/sales. As the original creditor I do NOT owe you any alleged debts and there is no documentary evidence of such allegations. After review of these statements I have discovered there is a serious error in Billing reflected on statements that have been sent to me so you have received a verified Billing Error form from myself in order to correct the errors that I have found with the referenced account. Your accounting records if maintained accurately and in accordance with Generally Accepted Accounting Principles as [ GAAP ] as required by 12 USC 1831n and highlighted by Federal Reserve XXXX XXXX XXXX XXXX, will show a total bank liability to me In the amount of {$22000.00}. You have been notified in this Billing Error Notice of this error and are required by Federal Law Pursuant to 15 USC 1666 to issue me credits as directed. You have also received a Notice Of Opt out which requires you to remove all reporting of my private, personal and confidential information to any credit bureau, credit agency or credit repository, again DISCOVER BANK you must immediately cease reporting of any information to the credit reporting agencies pursuant to the aforementioned section of Federal Law. Refusal to comply with these demands and Federal Regulations will result in further legal action. If your claims to this alleged debt hold any merit you will have no issues complying with the XXXX XXXX XXXXXXXX XXXX Notice and providing the demanded documents and appropriate attestations under notary seal as demanded in this document and pursuant to XXXX XXXX XXXX XXXX and FDCPA 15 USC 1692. Ignorance of the law is no excuse for your negligence and your Silence is Acquiescence! Should you default on these notices that Have been Notarized and are now legally applicable as evidence of your willful negligence I will not hesitate to pursue these matters to the full extent of the law. This is my attempt in good faith to rectify these matters and errors prior to taking any further required legal action. {"issue":"Attempts to collect debt not owed","sub_issue":"Debt was paid"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Checking or savings account Sub-product: Checking account User complaint: My account had fraud in XXXX of 2020 After my car was broken into. I Immediately contacted Chase to report what happened. A week later whomever stole the bank cards and ID went to several chase drive thru banks and presented my ID along with hand written withdrawal slips that Chase provided the account number for. A total of 21 transaction were made to 5 different accounts in which Chase tellers provided the thieves the account number to each account. Then I opened a new account ... .they gave that account number to the thief again. THe executive office got involved I eventually got my money back a HUGE inconvenience and so violating. Today I open my mail only to find that this has happened again. Luckily I moved my money from chase be cause I can not trust them, however they were able to deposit a forged check then do a withdrawal slip with a signature of XXXX XXXX and Chase gave them the funds and my account again, I had to get a new identification number in which I took to chase ... ..How does this happen PURE NEGLECT from CHASE. I have included the police report and the most recent withdrawal transaction. This is just not acceptable. {"issue":"Managing an account","sub_issue":"Banking errors"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: I do not know User complaint: When researching the collection agency, Amsher Collection Services, who put incorrect information on my credit report, I discovered that this company is not authorized to do business in the state of Texas. I live in Texas and was under the impression that a collection company has to have a valid license to do business in this state. Please contact Amsher Collection Services and instruct them remove this debt from my credit reports. RE : AMSHER COLLECTION SERVICES - NMLS ID : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX Thank you. XXXX XXXX ( XXXX ) XXXX {"issue":"False statements or representation","sub_issue":"Indicated you were committing crime by not paying debt"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: FHA mortgage User complaint: I ask that your supervisors look into a complaint sent in last year concerning ( BOA ) Bank of America and execute an administrative proceeding on my behalf. On the first complain which I submitted to your bureau, BOA unnecessarly foreclosed on my home due to failure to conduct a modification in a timely factor, refused my right of appeal and inadequate service in calulating our income and financials. By your bureau contacting BOA, there office of the president refered me to there consumer advocate which was suppose to handle the concern but it conducted themselves in the same manner which caused the unnecessary foreclosure due to there neligence. I would appreciate for your supervisor to look at previous documents and documents which I will enclose in the mail with file number, in case BOA have lost again, so this matter can be resolved and BOA pay redress in equitable monetary relief and damages for there mishandling on the matter. BOA has given me the run around since XXXX and its now XX/XX/XXXX. The BOA advocates kept passing me along and asking to resubmit documents and statement they should already had multiple times and still making the same mistakes. {"issue":"Loan modification,collection,foreclosure","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Money transfer, virtual currency, or money service Sub-product: Domestic (US) money transfer User complaint: I received a payment of {$1500.00} on my VENMO account. I initiated a transfer of those funds to an account I use to have at XXXX XXXXXXXX XXXX I had not transferred money to that account in a while and immediately realized after I had requested the transfer that my account at XXXX XXXXXXXX XXXX ( now XXXXXXXX XXXX ) had been closed. There is no option to cancel a transfer on the VENMO app. When I went to the pending transactions portal there is an option to request a cancelation. I proceeded by pressing the option link and was prompted to a series of questions, including whether the transfer had been initiated within the hour and I responded YES. I was then sent to a live chat. When I requested a cancellation of the transfer because I mistakenly sent it to a closed account, I was informed that nothing could be done. There was no explanation as to why a transfer that had been initiated only minutes earlier could not be cancelled. Now I may be without access to my money for several weeks until this matter is resolved. {"issue":"Other transaction problem","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A : states I have the rights to privacy. 15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions. {"issue":"Improper use of your report","sub_issue":"Reporting company used your report improperly"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: I have a problem Barclays XXXXXXXX XXXX credit card. They are charging me interest and late fees and I am sending the payment 15-16 days in advance. I have had this credit card for ten years and SUDDENLY this in an issue. I think they are indeed receiving it in time and just assessing fees at random. {"issue":"Fees or interest","sub_issue":"Problem with fees"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: Last XX/XX/XXXX an investigation was filed in XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX because they reported a late payment ( Account # XXXX ). According to what they inform me by phone, after having made my payment for XX/XX/XXXX within the payment terms, it was revoked due to an error in the account. However, I do not find out until XXXX when I am doing the purchase of a house. I was never informed and it was not reflected in the web account, and I continued making my payments for XXXX and XXXX without knowing that they had not been able to collect the XXXX XXXX. As soon as I knew, I made the payment and requested a correction of this information, since the payment was made within the correct terms. I have been with this request since XX/XX/XXXX and with a lot of follow-up on my part, but they pass me from one place to another. This occurs in the middle of a purchase transition from one bank to another and no one could provide me with information. I was a victim of the transition of these banks. As recent as today, XX/XX/XXXX I called and they informed me that there are no marks in their file, however it appears on my credit. I have already sent emails as requested so that they can correct this situation and nobody responds to me. This has affected my credit and they keep passing me from one place to another without anyone helping me with this situation. {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Checking or savings account Sub-product: Checking account User complaint: I have been a customer with PNC for almost 2 years. In XX/XX/XXXX I closed my orginal account with PNC and opened another one. Which is my current account, that I have had now for almost a year. Back in XXXX, I recieved a letter in the mail stating that my previous account was closed due to insuffecient funds. and I now owe a balance of XXXX that is now scheduled to go into collections. Now I'm XXXX! because how in the world can you charge an account that was closed almost 9 months ago a insuffcient fund. So I quickly contacted the Retail escalation team for PNC who handles this account and was speaking with XXXX. Who also was perplexed with the sitiuation and was looking into it. So she stated that she would work on it on her end and get back to me. I waited about a week then called her back. But she wasnt available. Then she called me back and I missed her call. Then I finally talked to someone other then XXXX a week ago. Who was still working on this pronblem. Then on XX/XX/XXXX PNC withdrew XXXX out of my account!!! This is obserd!! When I contacted PNC XX/XX/XXXX the Rep said Oh no I can see why I'm mad and that she is not understanding why that happen. Only that when you have a account closed. Then a transaction is allowed to come through and reopen it?? What!!! That is the most ridiculous thing I have heard!! PNC is nuts!! I need every dime of my money and it should have never happened. And to date it has still not been fixed!! No one has bothered to read my notes they just deduct money from my account with a unsolved situation.!!!! {"issue":"Managing an account","sub_issue":"Deposits and withdrawals"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Medical debt User complaint: Hello, This debt has been paid. The 3 Collection accounts from USCB, still show on my report and I still have not received a receipt for paying this debt off. I will be attaching my credit card transactions as proof. Remove the 3 medical collection accounts from my experian credit report I also will need a physical receipt for payment. {"issue":"Attempts to collect debt not owed","sub_issue":"Debt was paid"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: On XX/XX/XXXX the XXXX XXXX account was settled for me through National Debt Relief, yet XXXX XXXX continued to tell the credit bureau that I owed {$5900.00} + when they know that they settled this account on XXXX I asked Experian way back in XX/XX/XXXX and forward as far as today to fix my credit because I sent them proof that XXXX XXXX settled the account the credit bureau refused to fix it stating that XXXX XXXX would have to fix it. I sent XXXX XXXX all the information showing that the account was settled yet they said they didn't receive the signed document they needed to close out the account. I forwarded them the document and they then said it was blurry and they wanted me to directly sign the document they were sending to me through document signing through my email. I opened the document but they had filled in the date showing it as if it was just being done today. I asked XXXX XXXX to change it to the original date that the transaction happened they told me I could change the date but it was not allowing me to change the date. I immediately contacted them again and stated I could not sign it because it makes it appear that we just agreed on today. XXXX XXXX said no because the paperwork has XX/XX/XXXX on it. I refused to sign it because it is showing that even though its shows last year the date of signing shows today. I forwarded them the document I signed with the correct date on it and now they are saying that it is blurry and they can not see it. I should allow them 72 hours to make a decision on the situation. I sent another copy to XXXX XXXX XXXX XXXX who stated that she already forwarded the document to where it needs to go. I am frustrated because XXXX XXXX knows they settled that account and continued to fraudulently report on my credit that I still owed them money. That account should show settled as of XX/XX/XXXX. Please help {"issue":"Incorrect information on your report","sub_issue":"Account information incorrect"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: Conventional home mortgage User complaint: I recieved a letter from a lawyer stating that I am in default for my mortgage with BBVA. this was dated XX/XX/2019 it states that I need to pay XXXX before XX/XX/2019. it also states that I need to call the bank and make sure that the numbers were correct before submitting payment. I have since made arrangements to have the necessary funds available and reached out last Friday XX/XX/XXXX to make sure I had the correct amounts. first I went to the branch ( XXXX, Alabama ) and sat with the manager for nearly an hour to try and maker sure I had the right amount. he was unable to get me the number. I then sat on hold for nearly an hour trying to get the information over the phone to no avail. after numerous calls I was told by a bank representative that the information would be emailed before the end of the business day. This Morning XXXX the XXXX I called the lawyers XXXX, XXXX XXXX XXXX, XXXX. and spoke with XXXX XXXX XXXX who assured me I would have the information before the end of the day. I called back at XXXX and left a message but have received no information. I sent a secure message through BBVA 's XXXX application today and received no response. I sent a message via BBva 's XXXX XXXX and received a response that they tried to call me and sent an email. neither of those things are true. I now have three days left to resolve this issue or they say they will foreclose on my house. they are with holding this information intentionally so they can take my house. {"issue":"Trouble during payment process","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Medical debt User complaint: I received a phone call from a XXXX, Fl number this morning ; XXXX. The individual identified himself as " XXXX '' but I had trouble understanding what company he was calling for and what about. He said he was calling regarding a debt on my son, XXXX, from an urgent care visit back in XXXX ( believe he said XX/XX/2019 ). He said my street name and asked me, I guess for identification purposes, my street address. When he mentioned " the bill, '' I said that we'd already paid it. He said that is what he was calling about, that we could go ahead and take care of it over the phone today. Combined with me not understanding him ( phone connection did not sound clear ) and what he was saying or asking, I started to think this was a scam and told " XXXX '' that I would need to call back. He said " ok '' and they would be open until XXXX tonight. I did a search online for the phone number and did not come up with anything other than one or 2 negative notes that it might be a scam. He also specifically mentioned that I have XXXX XXXX/XXXX XXXX insurance. {"issue":"Attempts to collect debt not owed","sub_issue":"Debt was paid"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: The lawsuit alleges that XXXX systematically misdirected borrowers into student loan repayment programs and types of forbearance, which do not qualify for Public Service Loan Forgiveness, which enables public servants to have their federal student loans forgiven after meeting certain requirements. {$2400.00} {$2000.00} credit collection service XXXX XXXX {$1700.00} XXXX {$700.00} XXXX data breach settlement : all part of that {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Student loan Sub-product: Non-federal student loan User complaint: I submitted a complaint back in XXXX against XXXX XXXX XXXX who was trying to collect money for a student loan for XXXX XXXX XXXX XXXX in the amount of {$15000.00}. I opened this loan back in XX/XX/XXXX with XXXX XXXX XXXX not with the XXXX XXXX XXXX XXXX. I was paying them through American Education Services ... it was different company at first and then it changed to AES. I had been paying on this loan since XX/XX/XXXX and the loan amount never changed. I never missed a payment or been late on a payment so technically the loan has been paid in full already. I did n't stop paying on the loan until I filed bankruptcy. XXXX XXXX XXXX XXXX never appeared for the bankruptcy hearing to dispute discharging the loan. Now my credit is being hit and I have been sent to second collection XXXX XXXX XXXX XXXX since I reported XXXX XXXX to you bank in XX/XX/XXXX. XXXX XXXX XXXX has called me several times harassing me about paying the loan in the amount of {$16000.00}. The company I originally open the loan with went bankrupt and transferred my loan over. Also they do not have a signed copy of a promissory note by me because of these facts I know they I do not have to repay this loan. I fill as though my rights have been violated and would appreciate if you would assist in the matter again. I recently checked my credit report and the Loan has been closed out since I last reported the issue with you regarding the XXXX XXXX. So I am not sure why XXXX XXXX XXXX is contacting me when the loans has been closed out. {"issue":"Can't repay my loan","sub_issue":"Can't get flexible payment options"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: Conventional home mortgage User complaint: On XX/XX/XXXX I sent a check in the amount of {$1800.00} to united fidelity for my mortgage and {$500.00} to go to escrow. They received my check and cashed it I was thinking my mortgage was payed as I am trying to refinance I was set to close on XX/XX/2021 when they tried to get my payoff they said I still owed my XXXX payment so I called and finally after 1.5 hours on hold I got through and they said they didnt know what to do with the money so they just held it making me late on XXXX payment I told them to apply XX/XX/XXXXto escrow and the remainder to my mortgage. The refinance company called me Monday XX/XX/XXXX saying they still have no payoff amount so I called United fidelity and spoke with three people and they said it all went to escrow and they would send a request to get it fixed. I called today XX/XX/XXXX and it is still not fixed and try back on Monday. I now have to pay extra to extend my interest rate lock and have to make another payment past due because they failed to do their job {"issue":"Closing on a mortgage","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: Store credit card User complaint: SECOND complaint about the SAME ISSUE!!! XXXX XXXX XXXX - XXXX XXXX XXXX with PayPal Credit. - Issue NOT resolved!! Every month I have to call PayPal credit because there is an error with my account. XXXX 's statements showed I owed {$2400.00}. The correct amount owed was {$23000.00}, from two purchases on Easy Payments with 0 % interest. The difference is {$170.00} which turns out is from a credit that WAS NOT PROPERLY credited to my account per a Paypal credit representative that I spoke with on the phone. The Easy Payment, payment due is approximately {$130.00} a month, yet I had to make a payment of {$140.00} due to the additional {$170.00} showing as owing on this account. Now on XXXX 's Statement, it shows I owe {$2300.00} and that I am now being charged interested!!! Which yes has been credited to my account. The CORRECT balance owed is {$2100.00}, now a difference of {$150.00}. Again, payment must be made of {$140.00}, which is HIGHER than I should be paying as the ONLY charges on the account are the two EASY PAYMENT charges!!! While my first complaint shows as the issue was resolved it was NOT. THEY LIED TO YOU!!! They only credited me the interest charge - THEY HAVE NOT FIXED THE ISSUE OF THE {$170.00}!!!! As I have stated before, you should investigate every single account held by Paypal credit as I can only imagine how other people 's accounts must look if they can not even keep mine correct!!! EVERY MONTH I HAVE TO CALL BECAUSE SOMETHING IS WRONG!!! {"issue":"Problem with a purchase shown on your statement","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Experian was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned item for it was found erroneous and unauthorized. XXXX XXXX Balance : {$0.00} {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Their investigation did not fix an error on your report"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Checking or savings account Sub-product: Checking account User complaint: Bank of America is unfairly denying me access to open a personal checking account due so some fraudulent activity associated with a checking account ending in XXXX. I have tried calling them many times to try to get more information about this and to resolve this situation but they are not providing me with the opportunity to resolve this unfair treatment of myself. {"issue":"Opening an account","sub_issue":"Unable to open an account"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Other debt User complaint: The company I’m talking about is XXXX. I don’t owe the amount they said I do it is not true and I need some one to help me with this problem the debt is coming from a apartment complex my route was only XXXX and I only missed two months which is XX/XX/XXXXand XX/XX/XXXX I was not living there I moved out before XX/XX/XXXX. The only reason why It got that high is because I had XXXX XXXX and was hospitalized so I could not work and I let them know what was going on to ask for hardship and they had no sympathy and I think they put the mount up very high just to destroy my credit {"issue":"False statements or representation","sub_issue":"Attempted to collect wrong amount"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Other debt User complaint: This company is in violation of the following : Violation : 15 USC1692 e ( 2 ) reporting inaccurate debt amounts Violation:15 USC1692 b ( 2 ) Violation:15 USC 1692 b ( 5 ) Violation:15 USC 1692 e ( 11 ) This company is reporting wrong information on my report. I have never done business with this company and I have no idea who they are or this debt they claim to be owed. There is no agreement or contract establish with this company. This company has failed to properly establish evidence of obligation and also evidence that I ( XXXX XXXX ) owes them. {"issue":"Attempts to collect debt not owed","sub_issue":"Debt is not yours"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Consumer Loan Sub-product: Vehicle loan User complaint: Purchased a XXXX tc from XXXX with financing from Santander Consumer USA. Was unhappy with the car and returned it 2 days later as per XXXX 's guaranty. On that day I purchased a XXXX XXXX financed again by Santander Consumer USA. Logged into my account on Santander 's website to make my first payment and noticed that the XXXX was on my account, not the XXXX-the car I actually have. Called Santander and pointed this out. I was first told that there is no record of the XXXX, and it takes a week or so to get the new paperwork. I informed them that it had been over a month. I was then told by another person that the paperwork for the XXXX had been cancelled, and it must have been XXXX 's fault for not sending the right paperwork. I went back to XXXX and explained the situation. They were very helpful and showed me the correct paperwork that was sent in to Santander the day I purchased the XXXX. I called Santander to tell them this. This time they said they had no record of any second loan being cancelled and accused XXXX of lying to me and I should go back and make them show me their computer screen (? ). I returned to XXXX and they called Santander and got nowhere with them. XXXX then spent the next week on the phone with Santander and kept in contact with me, stating that XXXX financial dept. had taken over my problem and hopefully would be able to sort things out. After a few more days XXXX said that Santander had informed them that indeed the problem was on their end. XXXX gave me a contact number with someone at Santander to call. Before calling, I tried to log into my account with Santander to see if anything was changed and could not due so because my account had been XXXX. I contacted Santander again, this time through their online complaint department to relate my dissatisfaction with the way I was being treated, and to ask if my account had been XXXX as part of the resolution to their mistake. I was told " This is definitely not the experience we want you to have, we appreciate your business and thank you for giving us a chance to correct the issue. The account has been closed and this is why you were not able to log in online. At this time no other loan has been boarded, we will monitor and contact you when once it has been completed. Thank you for your patience your feedback is helpful as we strive to improve our customer experience. Please let us know if you have any questions. '' Two days after this on Sunday, XXXX XXXX, I received a call from Santander and they informed me that all I had to do was make a payment and they would fix everything. I asked them when they would have the account online, or send me a bill with the correct vehicle and they said they could not do that until I made the payment. I asked them how can I make a payment on an account that does n't exist, and they told me that I both do, and do not have an account (? ). They then informed me that the only other way for me to get an official account, with an account number and everything, besides making the payment to the over the phone, was to go back to XXXX and have them redo the entire purchase of the XXXX. I did not want to do this, and asked why I was having to go through this process if they were the ones that made a mistake, and they informed me that they did not make a mistake, they just miss the second loan sometimes. Wanting to be done with the whole thing, I asked what the amount was that I had to pay, because the XXXX cost @ {$1000.00} more than the Scion and was told {$340.00}, the payment for the XXXX, Not the XXXX that I have. I filed an other online complaint that day and have not received any response. {"issue":"Taking out the loan or lease","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Other debt User complaint: Kingston Data and Credit International Inc. XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Tel XXXX Fax XXXX www.kdcii.com Please be advised that your overdue account with XXXX XXXX ( XXXX XXXX TX ) has been placed with our company for collections. This is an attempt to collect a debt and any information obtained will be used for that purpose. We request that you call us upon receipt of this letter toll free at XXXX to speak with our office and make payment arrangements, or pay online at www.kdcii.com/payments. We are a debt collection company. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any potion thereof, this office will obtain verification of the debt or obtain a copy of a judgment or verification. If you request this office in writing, within 30 days from receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. Failure to pay this account or contact us within 30 days after receiving this letter will result in further collection activity. If you would like information by SMS text message, text CONTACT to XXXX and we will communicate with you by SMS text message. " This communication is from Kingston Data & Credit International Inc., a debt collection agency. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' Regards, XXXX XXXX - Receivables Manager Direct Line : XXXX Email : XXXX ( XXXX ) Pay By Debit/Credit Card : Call XXXX or go to www.kdcii.com/payments/ Pay By Mail : Kingston Data & Credit International, XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX Please call XXXX to report your payment. Re : Creditor -- XXXX XXXX ( XXXX XXXX TX ) -- {$1000.00} Date of Debt XX/XX/2018 Current Balance -- {$1000.00} {"issue":"Took or threatened to take negative or legal action","sub_issue":"Threatened or suggested your credit would be damaged"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Vehicle loan or lease Sub-product: Lease User complaint: Received an extension from Chrysler Capital do to COVID 19, yet they went ahead and reported the 30days late to all three bureaus, which they acknowledge that it was their error yet they refuse to contact the bureaus to correct the error which could possibly impact my loan that I'm wait to receive. {"issue":"Incorrect information on your report","sub_issue":"Account information incorrect"}