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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 reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I am a consumer in pursuant to 15 USC1692A3 XXXX, Equifax, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally 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 nor any 3rd party in connection with collection of any debt I never received notice from XXXX Equifax nor XXXX nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. In pursuant to Title 31 U.S.C. Sec. 3123 ALL DEBTS ARE UNITED STATES OBLIGATIONS! XXXX XXXX XXXX {$18000.00} IS IN VIOLATION of federal law in attempt to collect a debt they are also violation of The false Claims Act ( FCA ), 31 USC 3729-3733 {"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 card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: originally filed XXXX in XX/XX/2018. Chase never gave me the information regarding the initial application XXXX XXXX completed using my information to obtain the credit card. XXXX XXXX has created many accounts using identity theft in my name. XXXX has already acknowedged this and taken the appropriate measures. XXXX is still investigating ( account used to pay this card ), XXXX XXXX has already refunded the money XXXX stole. Chase denies the identity theft yet is unwilling to release the information that would prove this. Saturday of this week I sent a request for documentation to the email address that they provided. I have yet to receive my requested documentation. ( see attached ). In Chase 's response as to the denial of this being opened as a result of identity theft, they even include expenses for a gym in XXXX FL .... I have never had any interest in a gym in Florida. Chase 's own response and supporting evidence further evidences the clear fact that this was fraudulently opened, used and paid for by my funds without my knowledge. {"issue":"Getting a credit card","sub_issue":"Card opened as result of identity theft or 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: A fraudulent account was opened in my name XXXX XXXX. I became aware of the debt on my credit Early XXXX. I have contacted XXXX 10x. Everytime I Call I get transferred 2-3x. I have disputed my credit report several times. XXXX has not sent proof that the debt belongs to me. In XXXX I called Equifax fraud department to dispute the validity of the debt on my credit. The Equifax fraud representative has called XXXX on the phone 3 way to dispute the information. Even sent police reports and a fraud packet. Still no resolution. On XXXX/XXXX/XXXX I once again called XXXX I was transferred to 5 different times. You can speak directly to the fraud department I was told by the last representative I spoke with that there were several fraud investigations opened from when I had been calling in all year but yet no one has done anything. XXXX refuses to anything. There not investigating or they havent provided any documents proving I opened the account or it belongs to me. It still remains on my credit and when I dispute it as fraud all they respond to the credit bureaus is updating the data on the collection. I had a fraud alerts on my account when the account was allegedly opened and I was never contacted by XXXX to verify my identity. {"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: FHA mortgage User complaint: I was a XXXX customer. I went into foreclosure and they received FHA insurance payments towards the loan but did not inform me for 6 months. I contacted The HUD executive team via President Obamas cabinet and immediately I was granted the modification in fact it had been approved for months. I made my payments on time but 5 months later the roof caved in in one bedroom. I contacted XXXX XXXX XXXX. They sent XXXX! XXXX XXXX gutted the entire top floor leaving only the shell of the house. I was informed that I had to pay the contractor to avoid the house from catching a fire due to exposed electrical wiring. I was compliant. The insurance company waited 3 months to submit the check with the contractors name attached. I BEGGED EVERYDAY FOR THE BANK TO MOVE QUICKLY. I CONTACTED THEM EVERYSAY TO AVOID GOING BACK INTO FORECLOSURE BUT they informed me that there property damage and customer service team were both a part of XXXX but did not communicate or collaborate. Soon thereafter I was placed in Foreclosure AGAIN!!! The bank said I had to wait a year to qualify for assistance I waited I was told then that I was misinformed I had to make payments for a year. I was livid!!! I was then transferred to Midfirst Bank. I provided them with all documents but received a sell date of XX/XX/2019. The sell date was made before the midfirst ownership. Midfirst told me that I DID NOT QUALIFY ON XX/XX/2019. Please help me! Please {"issue":"Struggling to pay 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: I have been disputing with XXXX XXXXXXXX, about credit alerts on my credit report. I do understand that they are protecting me as a consumer but this is ridiculous. I am unable to obtain a Mortgage Loan because XXXX does not remove the credit security alert on my file, which I originally filed to put in when there was a breach of credit in 2017 with XXXX and another company which name I can't recall. I have faxed them, email them, US postal service and only Transunion had it removed. I have several disputes that do not belong to me which have been reported but continue to appear in my credit report. I am a member of XXXX and have contacted them on several occasions but the representatives have hung up twice on me and I am at the point of pulling my hairs out! This is unacceptable and unprofessional. I have sent them my California Drivers License a copy of my Social Security, a current bill of my present address, tax verification all that they have requested and the problems still remain there. I have verified my identity over 15 times and they still do not proceed to assist me. If I was an Identity Thief I would not contact your office nor continue to battle with none of the consumer credit reporting agencies. Please help. I have documentation that I have sent XXXX XXXX and Transunion. {"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: Mortgage Sub-product: Other mortgage User complaint: On XXXX/XXXX/XXXX, I sent Seterus, the servicer of my loan, a request to complete a new Escrow Analysis and spread the shortage over 60 months. I sent a follow up XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I have had no response. Seterus approved a loan modification XXXX/XXXX/XXXX, but did not perform an escrow analysis prior to the modification, which ended up increasing my payment by {$190.00} per month. It should have been performed prior to the modification. And, a forbearance was approved from XXXX. The Seterus representative advised me in XXXX XXXX that the only thing I would be paying during the forbearance period would be taxes and insurance, then then ended up applying all monies to loan principal and interest. This is the reason for the large shortage. This servicer is extremely difficulty to work with. I previously filed complaints with you for XXXX reasons : they declined a loan modification 7 times in 4 years, citing that I did not provide all requested documents, which I had fax proof that I had provided, and a second time, in order to have the loan modification paperwork completed, as they took over 7 months to confirm and provide documents. Both times, they stepped up, only with your intervention. I am quite frustrated. I believe that I own XXXX of the few properties they could actually make money on if they foreclosed, and either the left hand does n't know what the right hand is doing, or it is with intent, so that they CAN foreclose and make $ XXXX-XXXX. They have continually misapplied, suspended payments, and then cited the original note, the forbearance or the modification, wherever it please them and they make the most money. They have also charged late fees and 'inspection fees to be sure I am living in the property ' since XXXX XXXX, XXXX due to misapplication of payments I made, even though the payments were the exact payment they requested for each specific date.I was not even aware of the misapplication of payments or the fees until XXXX XXXX, and they refused me access to the website and stopped sending statements to me due to Chapter XXXX filing in XXXX XXXX. Misapplication of funds also effects principal reduction clauses over the first 5 years of the modification term, and hurts my already damaged credit further. I truly believe this is all with intent, and need an advocate to renegotiate all of this with them, especially reapplication of payments made. Please help me negotiate these issues. Thank you, XXXX XXXX {"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: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: Last month i sent out some documents to TransUnion, XXXX and XXXX credit reporting agency about a late payment that saw on my credit report. I submitted all the right documentation to use the CARES ACT to show that the alleged late payment should not be counted against me since i was affected negatively by the pandemic. The pandemic has hurt alot of us and the Cares Act is in place to help us ease the suffering especially financially. Please help me bc it doesn't sound like they will honor the cares act I called in and they refused to validate and remove the other late payment. The account is open and in good standing at the moment but they will not honor the CARES ACT here. Please help this is causing me stress and severely hurting my credit. {"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: Student loan Sub-product: Federal student loan servicing User complaint: Navient keeps adding and removing account balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one they did not have my correct contact information or name which cause me to not be contacted when my loans were out of forbearance. I was not notified until XX/XX/XXXX when o tried to enroll in XXXX school. I was told then that I had to pay {$500.00} to bring my account current. Once paid the account was never removed from my credit file and it still shows open. During XX/XX/XXXX until XX/XX/XXXX I was in school my loans still reflect late payments during the time they were to be deferred. I respectfully ask that these late payments XX/XX/XXXX=XX/XX/XXXX be removed and set current! I also would like loans older that 6 years be removed off my credit report as they are pass the SOL for the state of Ohio.I need this done as soon as possible as Navient is doing illegal collecting and reporting practices {"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 reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.. US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDUC XXXX, US DEPARTMENT OF EDUC XXXX, US DEPARTMENT OF EDUC XXXX, UNKNOWN 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: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: Hello someone has been using my credit to drive a cars. I have 2 cars in my name that needs to be removed XXXX and XXXX. I never seen these cars before. I have XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX what are these accounts. please help me this is ruining my life please. {"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: Federal student loan servicing User complaint: During the past year I have tried to get a loan for buying a house and everyone says the company Ed Finacial are reporting I have over 100 late payments and i have exhuasted most of energy to try to get this removed. LOoks like single mothers that try dont get treated the same as the rest. I NEED HELP {"issue":"Dealing with your lender or servicer","sub_issue":"Received bad information about your loan"}

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 tax lien was released in XXXX, I attached proof. XXXX and XXXX deleted this Public Record from files. I contacted Equifax several times trying to dispute this record, they simply ignore it. {"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: Consumer Loan Sub-product: Title loan User complaint: My Dad took out a loan and I am trying to help him pay it. He could not afford the loan from the beginning but because The Cash Store does not budget the customer they loaned him {$1100.00}. My dad has not been buying groceries or his medication because he does not want to lose his car. He pays {$200.00} every 2 weeks. He has made 6 payments on time For a total of XXXX and his balance was still {$980.00}. He still had 6 payments left. I called the local branch to work out some type of settlement. They gave me all my dads information ( 3rd party disclosure ) even though I told them I do n't want any information on the account I just want to know who I needed to contact for a settlement. They could not help me but gave me their corporate number. I asked the branch if they normally settle. The Manager XXXX told me not until your loan defaults but your dad is up to date so they will not settle with him. I called the corporate office and spoke to XXXX. She told me that she could not give me any info unless my dad called and said it was ok. I told her I already have the info because the office gave it to me, I just needed to work out a settlement. I asked her 3 more times to let me speak to someone that can help me and she said there 's no one and eventually she hung up on me. I got my dad to call and tell them I had permission to settle his account. I called back and spoke with a collection Supervisor and she again told me she could not help me because the account was not in default, I would need to call the branch. I told her I 've been going back an forth between corporate and the branch and everyone says they cant help. She told me that not one can help because he is not late and has to live up to his contract. I asked to speak to someone else. She told me there was not one else that she was the Supervisor. I proceeded to ask her 3 times and she said I could not talk to anyone else. So, I asked her what good are they if they cant help anyone and then she forwarded me to a voicemail that she said was her boss. I left a message. I also asked her why they will settle with someone that is in default and not a good customer that pays on time. To me that is bad customer service. After I left the message, I called back to get the name of the person I last spoke too. The lady on the phone tried to find out for me but said the Supervisor in the collections department in XXXX, She did not know of a female Supervisor in collections. I 'm not sure if she really was a Supervisor. Their corporate office is not customer friendly or very helpful. They basically are telling me I should let my dad account get 14 days past due so they will settle but they do n't always settle. I asked when do they settle and they said it depends on the situation. I am just trying to help my dad out but no one at the cash store wants to help. I also thinks it a bad loan product. He 's already paid {$1200.00} of the {$1100.00} he owes and still owes another {$1200.00}. Plus, the office suggested to refinance the loan to make his payments more affordable but his balance would go up. That will not help at all. All I 'm asking for is someone to help me come to a settlement to help my dad out. {"issue":"Can't contact lender","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: Conventional home mortgage User complaint: PNC is in violation of CAHBOR and acting as a foreclosure mill. PNC is illegally without cause trying to foreclose on a property without any valid reason. These issues are all being documented. Should PNC continue their illegal activity there will be a wrongful foreclosure lawsuit brought against PNC and we will seek out other potential victims for a possible class action suit for PNC 's illegal and unethical activities. At issue are loss mitigation requests that have been submitted to PNC that were improperly denied. The latest review was on XX/XX/18. PNC denied the request but wouldn't even say why they denied the request. It took a written formal demand requiring specific reasons as to denial of loss mitigation options. PNC 's response took an unbelievable 30 days to respond. Denying a homeowner a loss mitigation option when CA law requires lenders and servicers operating in the state to help avoid foreclosure without a detailed explanation on that denial upfront is a violation of that very law, CAHBOR. Requiring a formal demand with a detailed explanation and then taking 30 days to respond is criminally negligent. PNC put up these ridiculous obstacles to take away legal time homeowners have during a default process. They ate up time to get closer to foreclosure. Adding insult to injury the letter provided as to the reason for denial contains NO VALID reason for denial whatsoever. The two reasons cited in the letter ( attached ) are 1. The signature of the co borrower doesn't match records 2. Co borrower was removed from title. Number 1 is handled with a simple notarized affidavit and driver 's license that clearly prove the signature belongs to the co borrower. Standard industry practice of lenders and servicers is to ask for this information when there is signature discrepancy. Instead PNC chose to hide such an inconsequential discrepancy for the purposes of illegally denying borrower 's right to avoid foreclosure. 2. Co borrowers can remove themselves from title if they want. As the letter states it has zero bearing as to whether they are still liable for the debt. The two have nothing to do with eachother and since PNC acknowedges that co borrower is liable for the debt they also acknowledge co borrower was participating in the short sale request. So there is no reason for denial whatsoever. The fact that sentence was added to their letter shows how grossly incompetent PNC actually is. {"issue":"Struggling to pay 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: This is XXXX XXXX and I am submitting this CFPB complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update these suspicious information. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINTS, and I'm including these again : XXXX XXXX Balance Owed : {$24.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XXXXXXXX Balance Owed : {$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: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: This account doesn't belong to me. I sent a police report to both the credit bureau and spoke with the creditor, this account came off of XXXX however is still showing on XXXX and Transunion. I [ 've never had an account nor never benefited from any account with XXXX XXXX. This account is ABSOLUTE FRAUD and is hindering me from moving forward in obtaining credit. {"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: Checking or savings account Sub-product: Checking account User complaint: I had a checking and savings account with Citi. I closed the account, and withdrew my balances leaving the accounts empty. Citi failed to close the account, and continues to charge erraneous unauthorized fees to the account. I've already attempted to contact Citi, however they have no customer support. The chat and phone line just timed out. I've wasted hours of my time due to this. {"issue":"Closing an account","sub_issue":"Fees charged for closing 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: Conventional home mortgage User complaint: Dear Sir/Madam, XXXX/Bayview/XXXX tried to foreclosure on my house with a sale date of XX/XX/XXXX and there was nothing I could do to stop them. I tried to start paying on my mortgage and contacted them over and over but they never contacted me once and there was nothing I could do to avoid them foreclosing on my house except to file a chapter XXXX. Im a single mother with XXXX great teenagers and Ive been working my entire adult life and only lost my ability to pay my mortgage for 6 months, and had to ask XXXX/Bayview for a forbearance - WHICH THEY APPROVED ME FOR - when I turned XXXX and had a hard time finding work as a woman in XXXX, a younger person industry - and Ive been fully employed since then. There was nothing I could do to avoid their foreclosure process, I did everything they told me to and everything I could to avoid it. XXXX/Bayviews actions caused me to have to file chapter XXXX as my only option to keep my home, see list below. XXXX/Bayview has unlawful practices against people who are under forbearance that cant do anything to avoid foreclosure. XXXX approved me putting my mortgage on a forbearance plan after I lost my job for 6 months and I HAVE PROOF OF THE FORBEARANCE APPROVAL. I got a job and called them immediately to start paying on my mortgage again but they would not let me start paying my mortgage until they reviewed my loan to determine how to adjust it. It took them over 7 months to make their determination that they couldnt adjust my mortgage so I could start paying on it again and I had to file a chapter XXXX as my only option to save my home. I earned a salary of {$150000.00} per year with my new job, and had earned that for years before and years after and I earn that currently so THERE WAS NO BASIS FOR THEM NOT TO ADJUST MY MORTGAGE and let me start paying again which is why I am contacting you. There was no way for me to avoid XXXX/Bayview from foreclosing on my home. In addition, I have incurred exorbitant XXXX/Bayview foreclosure lawyer fees at the end of their foreclosure process, even though I had done everything they told me to do and called them weekly for 7 months and did everything I could think of to move them forward but with zero success. They only gave me one choice - to pay them {$70000.00} or lose my home because it took them 7 months to make a decision, and I owed them {$70000.00} by that time and I was left with no alternatives at the end of that time to save my home except to file a chapter XXXX. They have caused the following list of disastrous impact to my family 's life while ruining my financial life over the past 3 years. Complaint details : The amount of money that I owed Cenlar/Bayview on XX/XX/XXXX was {$25000.00} - this was the day I started my new job and I informed them I was working and wanted to reinstate my mortgage payments immediately. By the time they finalized their decision that they couldn't help me at the end of XX/XX/XXXX, the amount I owed them was {$50000.00} from late payments and other charges and now it is {$70000.00} due to the addition of all the foreclosure lawyer fees. Remember that I contacted them the day I started working to begin paying on my mortgage again I want to know why they charged so much money and I want it removed from what I owe because I should not be held liable for their horribly managed company. I did everything I could to avoid foreclosure and they did absolutely nothing. I should not have to pay for that. They switched my account managers 3 times, and each time the new account manager made me fill out the same 15 page modification application paperwork because their system lost the previous applications I'd submitted along with losing everything else in my file. They never called me once during the 7 months it took them to make their determination that they couldn't help me even though I was fully employed. I called them every single week during this period and their records confirm this. This was the most stressful call of my week because they never had an answer, always made me fill out the forms again because they had been lost in their system and once one of their " Customer service agents '' told me that my house was in foreclosure in the summer of XXXX even though I had been doing everything possible to re-start my mortgage which was the most stressful and hard thing for me to hear that you can imagine. My kids and I love our home and this was devastating. They gave me the phone number for XXXX XXXX XXXX handling my account and I called them so they will have a record of that call. The XXXX lawyer I spoke with told me it wasn't in foreclosure, they were still waiting for Bayview to work with me since I was working and wanted to stay in my home and that I needed to call them back which I did and that conversation took another stressful 2 hours out of my day, all to no avail. I wasted hundreds of hours to fill out their 15 page modification application paperwork 3 times and calling them every week for 7 months, all to no avail. I contacted them every week for 7 months to see if they'd made a decision yet which they never did until the end of that period, all while I was working full time! Each call took at least 30 minutes from being on hold and then trying to find my account in their system, determine why they weren't getting my file completed and trying to find the account manager I was working with since they kept leaving the company and they assigned me a new one every few months! I called again at the end of this period and the " customer service manager '' I spoke with who finally gave me the result of their months of time was to tell me that I wouldn't qualify for a modification and that my only choice was to get the house on the market ASAP. They gave me no reason for their decision. They made no mention of other alternatives or chapter XXXX to save my house even though I stressed the fact that this was my main priority every time I talked with them over the 7 months. I had to work with a separate refinance company after XXXX/Bayview made their determination after 7 months that my only option was to get my house on the market immediately. This XXXX XXXX XXXX charged me {$4000.00} to work with XXXX/Bayview to modify my loan and avoid foreclosure but they weren't able to help me ultimately since I hadn't paid on the mortgage for a year before getting the forbearance which XXXX XXXX XXXX didn't bother to tell me up front so they too could charge me for something they knew they couldn't do for me. I want all of that money plus damages returned to me by XXXX/Bayview. I haven't been able to get any credit for the past 36 months even though I have been working all of the time since I contacted them on XX/XX/XXXX to start paying on my mortgage again after I started working again simply because I couldn't get XXXX/Bayview to make a determination on my file for 7 months. This has halted my business plan that my contractor and I have had for over 12 months to move forward with purchasing a fixer upper to sell with deep experience he and I have in this area. The opportunity cost of the money I could be earning is another way their unlawful practices harmed my kids and I. I am paying an exorbitant interest on my car - .01 % under the illegal interest rate limit because of my horrible credit rating after not paying on my mortgage, which is ALL XXXX/Bayview fault since it took 7 months to make a decision even though I called them the day I started working again. The fees XXXX/Bayview foreclosure lawyers charged my account was for $ XXXX/hr. I want all of that money removed from what I owe. To have to file a chapter XXXX after I had to file a bankruptcy and do a short sale on my house in XXXX is devastating to my credit even though I took every action I could to avoid it, see above. I had to file bankruptcy at that time and sell my house through a short sale because our country was in a depression from what the wall street " bankers '' ( I have other names I call them that are inappropriate for a letter ) that sank our country 's economy by chopping up mortgages into little bits, selling them off in packages and then betting against them in the market and the devastating effects of those losses in the market threw our country into a depression. I was XXXXne of 14 million Americans who lost their homes during that horrible period and I did everything I could to remain financially stable and only asked for a few months of putting my mortgage on hold while I secured a new job after I turned XXXX and didnt realize the hiring problems that caused me ; but that doesn't mean I should lose my rights as a person which is what XXXX/Bayview has tried to do to me in this process. XXXX/Bayview never gave me an answer as to why they wouldnt approve me for a modification even though I made enough money to make the payment comfortably. I have documentation for all of the above, who I spoke to at XXXX/Bayview and when and all of the time I spent filling out their 15 page forms 3 times and calling them every week for 7 months until they finally told me there was nothing they could do. This company put my life on hold for years and prevented me from moving forward with my life. I am a single mother with no family and had to seek therapy due to the stress of this situation which is still having an impact on us since they took advantage of me and had NO regard for the impact they were having on me and my children. Ive been working very hard in the XXXX XXXX industry for 20 years and I cant even get a $ XXXX/mo car loan for my son because of what this company did to my credit. Thank you, and let me know what you need from me to get this mortgage modified immediately. I look forward to hearing from you very soon. XXXX XXXX XXXX XXXX XXXX {"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: When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 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 XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease Sub-product: Loan User complaint: I recently placed a complaint on these guys for making me wait for my refund. An executive named XXXX emailed me like he was going to contact me in one or two business days, now its been a whole week. Another payment is approaching and I still havent received my refund. My bank filed a complaint on them as well because when on three way with them, no one could find a check number for the refund that they supposedly sent out. Now, theyve sent the refund to their own personal third party check free business to hold the check as long as they possibly could. This is a complete failure and I need these people to be prosecuted. This so called executive seems like us where these bad managed employees got their training from. {"issue":"Managing the loan or lease","sub_issue":"Billing problem"}

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: 1. I received a collection notice in XX/XX/XXXX from Aargon Collection Agency. 2. The collection is {$120.00} and filed by XXXX XXXX. 3. I called Aargon Collection Agency and spoke to XXXX at extension XXXX on XX/XX/XXXX. 4. XXXX stated the collection is for a XXXX XXXX issued to my XXXX daughter on XX/XX/XXXX. 5. I told XXXX we never received a bill for the XXXX XXXX and furthermore, we would take our daughter to the doctor 's office and not XXXX XXXX. XXXX XXXX is a supplier of medical supplies. 6. Any outstanding medical payments not covered under insurance would have been and have been paid to the applicable physician. 7. XXXX stated XXXX XXXX is the worst of their clients and the number one complaint from individuals like me is because XXXX XXXX does not send out bills. They employ the collection agency rather than bill individuals themselves. 8. This charge is 24 months old. We pay our bills. I am disputing this charge and feel after 24 months of no notification we should not be responsible for the lack of responsibility on the part of 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: Checking or savings account Sub-product: Savings account User complaint: Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding the treatment I have received from Discover Bank. On XX/XX/XXXX, I opened a savings account with the bank and was promised a {$450.00} bonus reward for depositing {$35000.00} in the first month. However, despite fulfilling my end of the agreement, I have yet to receive the promised reward. I called Discover Bank on XX/XX/XXXX to inquire about the status of the bonus, and the representative told me that the offer of a {$450.00} bonus was included in my application and advised me to wait for the bonus to be issued. However, when I called Discover again on XX/XX/XXXX, their representatives denied the existence of the offer, despite acknowledging that the previous representative had left a note on my file indicating the offer 's existence. I have clear documentation in the form of screenshots of the savings account application website from the time of my application, which can be validated on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These screenshots clearly show that I was promised a {$450.00} bonus reward for fulfilling the required deposit within the designated timeframe. I am extremely disappointed in the way that Discover Bank has handled this situation. I have honored my end of the agreement and expected the bank to do the same. As such, I am requesting that the Consumer Financial Protection Bureau investigates this matter and ensures that I receive the {$450.00} bonus that was promised to me. Thank you for your attention to this matter. Sincerely, A disappointed customer of Discover bank {"issue":"Opening an account","sub_issue":"Didn't receive terms that were advertised"}

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: In XX/XX/XXXX, my mother and I visited a XXXX discount furniture for a living room set. We ended up purchasing a set and placing the cost on a installment plan with Wells Fargo. The first bill arrived at my mother house approximately 2 weeks prior to the first due date on XX/XX/XXXX. I, her son, am in charge of her affairs as she is an elderly woman and does not have online access or can keep up with payments. I tried to establish an account online to make the payment on XX/XX/XXXX. The security measures Wells Fargo takes to identify my mother made it impossible to establish an account. One manner was calling her with a numerical code so that I can establish the account online. My mother, being elderly could not understand the Wells Fargo call and we were not able to establish an account online. I called the Bank several times that day to authenticate my mother over the phone and receive a temporary password to establish the account. The representative 's response was that they were unable to establish the account and that my mother an I had to visit a local branch to remedy the issue. My mother and I both live in separate states and finding a local branch ended up being very burdensome. The following weekend on XX/XX/XXXX, we coordinated a visit to the bank, having my elderly travel to NJ in the process. The branch was able to talk to a representative that provided us a temporary password and I established an online account and paid the amount later that day. After all of the running around, Wells Fargo charged us a {$27.00} late fee they did not want to waive. I called several times on XX/XX/XXXX and they made the process of even speaking for my mother difficult, even after she stated over the phone that she allows my privilege to speak in her regard. The late fee is a result of burdensome practices that made it impossible to establish an account online. Given their background, this may be another possible way for them to increase income. I file this complaint to aid others with the same issue and give rise to potentially another scheme Wells Fargo is plotting to raise income. {"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 Sub-product: Not Available User complaint: Transunion ALLOWED XXXX to do a HARD PULL on my credit. See proof that their " collections '' was removed from my credit. AND yet they allow a HARD PULL!! {"issue":"Improper use of my credit report","sub_issue":"Report improperly shared by CRC"}

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: 1. I opened an account in CitiBank, We deposited $ xxxxx into this account. 2. My husband set up my direct deposit to deposit a little money to this account ( under my name ). 3. Citibank blocked this account, I asked them to either unblock this account or add my name to this account, but Citibank did NOT do that after many many calls. 4. I gave up on keeping this account open, so I only want to get the $ xxxxx back. One customer service told me If I close the account, Citibank will issue a check to us in 1-2 months. 5. After 1.5 months, I called them, a nice account manager found they withdraw my money to another account, and the balance of that account is zero. So she opened a case to investigate it. 6. one week later, I called them again, they verified the case #, said they need 2 months starting from closing the account to finish all the work, It's not 2 months yet. 7. one week later, one customer service said he can not find the case # ( another call confirmed ) 5. Now it's much more 2 months after the account is closed, I did not get any check or letter to know the status. I tried to call Citibank to figure this out, but they keep asking to talk other person, and the call is forwarded many times, and get zero valuable info. It has been 9 months since the account is blocked, so I want to complain here to know whether anyone could help us. {"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: Checking or savings account Sub-product: Checking account User complaint: I opened an account with USAA in XXXX XXXX, and later closed it because I was XXXX while on XXXX XXXX with XXXX XXXX. I recently re-opened an account with USAA on the XXXX of XXXX, XXXX. On the XXXX of XXXX, of the same year, I was debited {$25.00}, and later on the XXXX of the XXXX {$140.00} and {$190.00} were debited. I called USAA to inquire why I was being debited and to request the evidence. USAA told me that they did not know, because since 7 years the database automatically erased my previous information. I told them they need to show me evidence of the reasons why they are debiting me, from the recently opened checking account and they said they do not have anything in the system. Nevertheless, they still debited {$360.00} from my account without a valid reason!!! I can not believe this, is this the way a veteran of 20 years of service ought to be treated? {"issue":"Managing an account","sub_issue":"Fee problem"}

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: This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10.00} ; XXXX XX/XX/2022. {"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 noticed on my Experian report there are inquiries that I don't recognize. I did not apply for anything in XXXX! Must be FRAUD!! I contacted the below creditors and they have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. There are no accounts associated with these inquiries and I ask for their removal from my credit report. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX {"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: n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX and 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 {"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: Money transfer, virtual currency, or money service Sub-product: Virtual currency User complaint: Coinbase has refused to communicate, provide updates, and maintain professional courtesy with me the customer. Not to mention the out right thievery of roughly XXXX usd. i had a transaction, namely an ach transfer fail, and of course needed to cover the outstanding balance of XXXX asap. i quickly funded my account via debit for the amount of XXXX and much much more. as i continued to make transactions i was notified i needed to make a payment manually, so i did using etherium. upon reviewing my account, coinbase not only took my XXXX payment but proceeded to take XXXX payments themselves without my authorization a total of 3 times. so for an outstanding balance of XXXX total of XXXX was paid. i raised multiple support tickets, all the while continuing in good faith with the company making transactions, but after weeks of no response to my inquiry, i began to worry. i sent tickets daily, and once i finally got a response they proceeded to block any further ability for me to reach them. email being the only way available, i was receiving blocked by recipient notifications. only way i could get a message across was via support tickets which they said only made the process take more time due to the sheer number of tickets. they notified me of the consolidation of my support tickets once i threatened to reach out to law enforcement. they notified me that a specialist was taking over my account and reviewing the situation. weeks later, i find an email stating my support thread has been resolved and closed and unable to be reopened. odd.. because i have yet to receive any resolution, explanation, or restitution. the whole mess started XXXX/XXXX til now with no resolution. i dont know what to do. {"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 card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: I was approached via email and telephone about an employment opportunity with XXXX XXXX XXXX XXXX XXXX as a XXXX XXXX. I was offered a position and accepted. The company stated they were going to pay my personal credit card balances so that I could purchase XXXX products for export. Two separate bank accounts were provided and both have reversed charges back to my credit card. I am now {$43000.00} in debt to Discover, {$16000.00} in debt to XXXX, and {$13000.00} in debt to XXXX XXXX XXXX XXXX XXXX. I have filed a report with the FBI. {"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: Credit card User complaint: After repeatedly attempts of me telling them no. I ca n't make out start a payment today, I got transferred to the manager on duty. Right of the bat she spoke to me as an inferior. She would ask questions while taking but not stopping to give me a chance to answer. When she did stop I would start to answer the first party of get questions then she would start back up and start taking over me talking. I asked her to let me answer and she would just keep talking over me and not let me get one word in. I was getting really frustrated. I mentioned I was thinking about filling bankruptcy, she accused me of lying and she said she sees no record of me following filling XXXX, as I try to explain that I have n't filled, she starts again talking over me. I then had to start talking over her so that she could understand what I am going through. She stopped talking and told me that she can tell by the way I am on the phone why I am the type of person that is in collections, and owe purple money. I told her she insulted me. She did n't offer an apology, I asked her at least 4 times to not contact me and that I ca n't pay at this time. She then just hung up on me! {"issue":"Communication tactics","sub_issue":"Used obscene/profane/abusive language"}

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: This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report 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: Mortgage Sub-product: Other mortgage User complaint: I receive a Form XXXX last year from Ocwen because filed for modification of my mortgage loan. Ocwen modified my loan and canceled a portion of the debt I owed in the amount of {$19000.00}. I understand that according to the IRS, this means that Ocwen is writing that amount off as a cancellation of debt and I no longer have to pay it back the {$19000.00}. Therefore, I need to include the amount of debt from XXXX report on my tax return as income which I did. As a result, it caused me to have to pay in taxes to the IRS last year, which I never had to do before when I filled taxes. This year, I filed for another modification with Ocwen. while speaking to the agent he informed me that I was approved for the modification and went over the terms with me. Ocwen stated that with this new modification called trial plan period that my principal balance is {$79000.00}. I ask the agent why is my loan so high, that its almost back the amount of my loan before the first modification ( {$87000.00} ). The agent said that the add {$12000.00} of the {$19000.00} back to the loan. I told him that they could not do that because that amount was charged off and reported as income on my taxes. My second complaint is also that there 's a balloon payment that will be of {$61000.00} at the time this note matures on XXXX XXXX. In my first modification the balloon payment was due XXXX XXXX, XXXX for {$16000.00}. In my opinion this is not a true loan modification. I feel that I am be taken advantage of, please help me. I have enclosed the first modification paperwork, the trial period paperwork that a sent me they will mot give me the permanent modification until the XXXX payment of {$400.00} have been paid, and the XXXX form I used to file my taxes. {"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: Credit reporting User complaint: I am demanding that all the INQUIRES listed are removed from my consumer report. I did not give any consent to these companies to pull from my report. This is fraud and a violation, in pursuant to XXXX XXXX XXXX, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand that inquiries are immediately removed upon receiving this complaint. If they are not removed within 14 days I will take further legal action. {"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 card Sub-product: Not Available User complaint: I have been a customer since XX/XX/XXXX ... I have an excellent payment history ( AMEX stateded this ) ... My XXXX credit cards from AMEX were suspended without cause ... I was not notified, I found out my cards were suspended when a purchased was declined ... I faxed an agreement that AMEX may look at my XX/XX/XXXX tax return ... Poor response ... Stated my spending needed to be justified ... I was approved for the XXXX American Express Card as these XXXX cards are still suspended. {"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: Credit card or prepaid card Sub-product: General-purpose prepaid card User complaint: I called XXXX XXXX XXXX ( XXXX ), which is the number on their website and they stated the card was not registered. I explained I had received the card as a gift and informed them it should have a {$100.00} balance, however the representatives response was it is not a registered card no other options were offered. {"issue":"Trouble using the card","sub_issue":"Trouble getting information about 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, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened XX/XX/2014 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: Debt collection Sub-product: Credit card debt User complaint: Promise to pay was made with my ex-wife on a card where she is primary and I am secondary. When ex-wife did not pay, there was no attempt by credit union to contact me about the debt. I have siunce paid the back owed amount and continue to pay the monthly to stay on track. Credit Union will not even talk to me about removing the hits from my report when I have been and was the one that stepped up to fix the problem - ONLY AFTER I was informed. {"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: Credit card or prepaid card Sub-product: Store credit card User complaint: I have 2 accounts with Synchrony Bank. One was for a Rooms to go Card and one was for an Amazon Card. I fell behind on these accounts due to the illness of my father resulting in him moving in with me and my having to be his XXXXXXXX XXXXXXXX and do his XXXX at home. He recently passed and I am trying to correct this. I contacted Synchrony bank and was told that they could not take a payment for the outstanding balance because they had sent me a 1099-C. Now I have to pay taxes on this amount and they refuse to update the status on my credit report. If they want to forgive the debt and not let me make it right, it is unfair that they continue to report a closed account with a balance which is affecting my overall credit utilization and my credit score and making us unable to qualify for a home loan. I am requesting that they either let me pay the debt back, or update the credit reporting to show a zero balance ( since the debt was forgiven and I have had to pay taxes on it. ) If they had sent it to a collections agency it would have been less harmful than this because it would have shown as a collection and not a continually negative item that is closed but still has a balance. It is unfair to continue to punish someone who has tried to correct and pay the balances IN FULL. I have sent goodwill letters, emailed the corporate secretary, tried to contact the COO of Synchrony Bank on XXXX. The Rooms to Go/Synchrony Bank : Account XXXX and had a balance of {$1000.00}. It is reporting as " Charged off as bad debt, dispute resolved, customer disagrees '' and was closed XX/XX/2014 Contact SYNCB/Rooms To Go : C/O : XXXX XXXX XXXX XXXX FL XXXX Phone XXXX. The Amazon/Synchrony account XXXX and has a balance of {$610.00}. Reporting as " Charged off as bad debt, dispute resolved, customer disagrees '' and was closed XX/XX/2014. Contact SYNCB/Amazon PLCC : XXXX XXXX XXXX XXXX FL XXXX Phone XXXX I am a XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, my husband is a XXXX and we do not deserve to be treated this way when we have tried to pay this in full. {"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 reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: XXXX XXXX has been calling me almost daily for three weeks because my last payment to them was {$5.00} less than the minimum ( I 'm unemployed and it was all I could manage at the time ). They never leave a message. They have not contacted me in writing. When I log in to my account online, there is no indication that I have an overdue amount of {$5.00}, only a minimum payment of {$60.00} that is due five days from now ). XXXX XXXX calls me so much over that {$5.00} I owed them that my caller ID has labeled them " suspected spam '' or " nuisance. '' They call from at least five different phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has called me at least 48 times in the last three weeks over a " past due '' amount of {$5.00}. My own mother does n't call me as much as these people. XX/XX/XXXX : 11 calls between the hours of XXXX XXXX and XXXX XXXX ( this last call occurred only because I made this month 's payment, then called XXXX to tell them to stop calling me 10+ times a day ) XX/XX/XXXX : 3 calls between XXXX XXXX and XXXX XXXX XX/XX/XXXX : XXXX call XX/XX/XXXX : 4 calls between XXXX XXXX and XXXX XXXX XX/XX/XXXX: 2 calls XX/XX/XXXX : 2 calls XX/XX/XXXX : 2 calls ( I had already made a payment that day ) XX/XX/XXXX : 5 calls between XXXX XXXX and XXXX XXXX XX/XX/XXXX : 3 calls, but two of those calls were in the same MINUTE ( XXXX XXXX ; they called, let it ring a couple times, hung up and immediately called again ) XX/XX/XXXX : 3 calls, but two of those calls were made within the same minute ( XXXX XXXX ) XX/XX/XXXX ( a HOLIDAY, but they still ca n't give it a rest ) : 3 calls between XXXX XXXX and XXXX XXXX ( two calls within the same minute ) XX/XX/XXXX : No calls. I assume the XXXX Department took the night off for XXXX. XX/XX/XXXX : 2 calls between XXXX XXXX and XXXX XXXX. XX/XX/XXXX : 3 calls between XXXX XXXX and XXXX XXXX ( 2 calls within the same minute ) XX/XX/XXXX : 1 call XX/XX/XXXX : someone had the day off. No calls. XX/XX/XXXX : 1 call XX/XX/XXXX : No calls ; the good people at the XXXX XXXX XXXX Department must be XXXX XX/XX/XXXX : 2 calls, both at XXXX XXXX {"issue":"Communication tactics","sub_issue":"Frequent or repeated calls"}

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 been disputing this XXXX auto loan account for years now. I previously demanded that the CRA delete the late payments from my account. But the CRA have failed to do so, the CRA is now liable for the following FCRA violations as follow : 15 USC 1681 : 1. Failure to provide fair and equitable information about the consumer 15 USC 1681a : 1. Failure to provide copy of credit file 2. Included specific factual information 3. Included approval of a specific extension of credit 4. Fail to do a proper investigation 15 USC 1681b : 1. Failure to follow my written instructions as the consumer in the previous letter I am once again demanding you delete the late payment from the above account. {"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: Money transfer, virtual currency, or money service Sub-product: International money transfer User complaint: 1- I am a TD Bank customer and on XXXX XX/XX/2020, I wired {$73000.00} US $ to my family in XXXX per the attached TD bank receipt. I specifically, instructed TD bank to wire the funds in US Dollars ONLY. 2- The Beneficiary received {$71000.00}, 3- I contacted TD Bank and requested them to provide me with XXXX XXXX to confirm that they had indeed wired the {$73000.00} in US funds XXXX However, TD Bank refused to provide me with XXXX. 4- I filed a complaint with OCC and in their reply. TD Bank clearly lied to the OCC and claimed that they provided me the XXXX XXXX. The OCC advised me to seek legal assistance. See attached letter from the OCC. 5- XXXX XXXX is the official confirmation of payment made from the sending bank and informs the beneficiary of all the details of the transaction, including any fees applied Please see attached sample of XXXX {"issue":"Wrong amount charged or received","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: Conventional fixed mortgage User complaint: Dear CFPB : My first compliant CFPB Number : XXXX filed in XXXX XXXX I explained and laid the ground for a fraudulent mortgage foreclosure against me and my wife by Caliber Home Loans and it 's alleged trustee, XXXX Master Participation Trust. Caliber Home Loans in their response to my original compliant said they conducted an internal investigation by the XXXX XXXX XXXX XXXX of our allegations of fraudulent assignments. They said once the investigation completed they would send us the results of their findings. The last we heard was that they found no merit in our allegations and the investigation was closed on XXXX XXXX, XXXX. As of this new filing we have never received the results either by U.S.P.S. or electronically. XXXX filed a Motion for Summary for Judgement in XXXX of XXXX. We filed our Objection/Opposition to their MSJ on XXXX XXXX with a affidavit from a Certified Fraud Examiner and incontrovertible evidence of forgery on XXXX or XXXX assignments of our mortgage. The judge on this case ruled and ordered in favor of the plaintiff for their Motion for Summary Judgement on XXXX XXXX, XXXX. He also granted the plaintiff 's In Rem action which essentially eliminates any constitutional rights or due process as citizens of Pennsylvania and the United States to present our evidence in a court of law. The judge granted the foreclosure and sale of our home by sheriff sale in 30 days. The judge issued a XXXX Order with no opinion, no finding of facts and no conclusions of law. I 'm sending to CFPB a copy of our Objection/Opposition to the plaintiff 's Motion for Summary Judgement and the judge 's XXXX order. {"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: Credit reporting User complaint: I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. Account Opened Amount FLAGSHIP CREDIT ACCEPTAN XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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: Other (i.e. phone, health club, etc.) User complaint: Rented an apt from landlord for 5 years and on XXXX of 2011, the complex had a fire, set by an XXXX who fell asleep while cooking something that morning. After talking to the landlord, I informed him of moving. It was a total inconvenience, and I was n't safe living there. There was no power, electricity, water, or heat. He said if I break the lease, I 'll get jail time and sued. It was thrown out of court, and the landlord agreed to remove from my credit. It never happened, it 's still on my credit today! {"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: Student loan Sub-product: Federal student loan servicing User complaint: I paid off the balance of my student loans on XXXX/XXXX/XXXX. Interest continued to accrue according to my navient account after my final payment. Saturday morning at XXXX MST they also debited my account for what was my typical monthly payment prior to paying off the remaining balance, overdrafting my account and leading to a rejected payment on my car loan. This resulted in overdraft fees and rejected payment fees. This charge was made two days earlier than my regularly scheduled monthly payment, in the early morning on Saturday. When I noticed that interest was accruing after my payment, I contacted Navient 's customer service department via their email contact service through my account describing the situation. I received an automated response that did not address the issue. After the Saturday morning wrongful charge to my bank account I attempted to contact them via phone immediately, to no avail, and submitted another email request. I have not yet been contacted in any way by navient. {"issue":"Dealing with your lender or servicer","sub_issue":"Don't agree with the fees charged"}

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: Wrong address {"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: Medical debt User complaint: THIS COMPANY IS REPORTING THIS DEBT INCORRECTLY AND THEYVE NEVER VALIDATED IT IM ATTACHING PROOF XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : Acct # XXXX XXXX XXXX XXXX To Whom It May Concern : This is the 2nd letter I'm sending you regarding a negative and inaccurate account or accounts on my credit reports, which you claim I owe {$370.00}, TO your company. This is a formal notice that your erroneous claim is E now disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay YOU, XXXX XXXX, NOT SIGNATURES FROM XXXX XXXX XXXX XXXX. I am asking for proof of the original contract between myself and the original creditor with my true signature on it and the signature of a qualified employee of that original creditor. I want proof YOU have the full accounting of the original debt and I am asking YOU to provide proof of the assignment or the purchase you made from the original creditor. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I AM ALSO WONDERING HOW I AHD 1 MONTH TERMS WITH YOU, I DON'T HAVE A CONTRACT WITH YOU. WHY ARE YOU REPORTING THIS AS AN INSTALLMENT LOAN? THIS IS A COLLECTIONS ACCOUNT ALLEGEDLY? IM ATTACHING PROOF. Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof. Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. THANK YOU, My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX CA 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: It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. {"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 Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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. XXXX {"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: Checking or savings account Sub-product: Checking account User complaint: I was traveling outside the country, while working for the Gov't for 6 months or so. When I came home I noticed a massive fraud. Originally Chase only credited me {$3100.00} for the fraud, which they had they reversed which is a total crime. Outside the {$3100.00}, the fraud was massive. All of the following transactions were fraud, in addition to the {$3100.00}. ATM Withdrawals : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Also there were the following wires : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Four people have been arrested and charged with credit card fraud and grand larceny, by the XXXX. They were apart of an very organized group. It wasn't only myself who was robbed, it was a massive criminal enterprise. I have told Chase, sent them the police report. The story was even in the XXXX XXXX. They are aware of all this and still haven't given me my money back, even though I paid for protection against fraud and have been a customer for 30 years without an issue. {"issue":"Managing an account","sub_issue":"Problem using a debit or ATM 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: Auto debt User complaint: Hi, I was a victim of identity theft resulting in 2 cars being purchased in my name. I called to inquire about this charge : PDQ Services INC ( XXXX XXXX. ) and come to find out I supposedly owe {$65.00} for a cancelled car insurance policy. I am desperately looking to close on a home and out of an attempt to get this off of my report I just went ahead and paid what I they said I owe- come to find out even though the debt is paid in full it is still going to be listen on my report. The agents name I spoke to was XXXX XXXX. I paid on XX/XX/2020. Confirmation number is XXXX and the account number associated with this collection is XXXX. I can provide identity theft police report if needed. {"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: Money transfer, virtual currency, or money service Sub-product: Mobile or digital wallet User complaint: PayPal Scam my funds {$800.00} Did not return to my account they stealing my money. {"issue":"Unauthorized transactions or 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: Debt collection Sub-product: Payday loan debt User complaint: XXXX Sst is calling my companies phone and debt calls are not allowed. They do not call my personal line even though I have advised them to do this I also made arrangements for payments on XX/XX/22 that I will make a payment in XXXX weeks and they still called my work phone on XX/XX/22. I can lose my job for this. They are also asking me for a XXXX payment but I was only loaned XXXX. Please please help {"issue":"Communication tactics","sub_issue":"You told them to stop contacting you, but they keep trying"}

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 BEEN TRYING TO REMOVE A N ACCOUNT -XXXX/CITI WITH A BALANCE OF {$18000.00} FROM MY XXXX CREDIT REPORT. XXXX AND MY SELF HAVE TRIED TO GET DOCUMENTS WITH MY SIGNATURE ON FILE NUMEROUS TIMES AND THE BANK REFUSES TO RESPOND AND GIVE US DOCUMENTS TO PROVE THIS. I HAVE BEEN TRYING TO RESOLVE THIS FOR THE LAST 5 YEARS AND THE BANK REFUSES TO COOPERATE. {"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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX. XXXX XXXX {$220.00} acct # XXXX XXXX. XXXX XXXX {$820.00} acct # XXXX XXXX. XXXX XXXX XXXX {$8100.00} acct # XXXX XXXX. XXXX XXXX XXXX {$18000.00} acct # XXXX XXXX. XXXX XXXX {$1000.00} acct # XXXX XXXX. XXXX XXXX {$140.00} acct # XXXX XXXX. XXXX XXXXry {$1300.00} acct # XXXX XXXX XXXX XXXX {$110.00} acct # XXXX XXXX. XXXX. XXXX {$250.00} acct # XXXX XXXX. XXXX XXXX XXXX {$950.00} acct # XXXX XXXX. XXXX XXXX XXXX {$570.00} acct # XXXX {"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: I recently checked my credit report and i see that there are some hard inquiries ... I am in the process of trying to purchase a home so I am formerly requesting that all hard inquiries are removed from credit reporting agencies that are not linked to any open accounts including but not limited too XXXX, XXXX, TransUnion etc. I need these removed as soon as possible being that it is hindering me from what I need to get done. Also there are a lot of addresses that are being reported that I have no connection to I would like for those to be removed also Thank you. {"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 reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: In late XX/XX/XXXX I had my wife removed as an authorized user from my Navy Federal credit products. Navy Federal is still reporting that account with late payments from XX/XX/XXXX to my wife 's credit. No response has been received from Navy Federal. {"issue":"Incorrect information on your report","sub_issue":"Account status 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: I am a victim of identity theft. someone has opened fraudulent accounts in my name i have reached out to all three credit companies and submitted docs supporting i have no way opened up such account please help take csre of this. {"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: Vehicle loan or lease Sub-product: Loan User complaint: I received a repossession notice in the mail on the XXXX of XXXX of 2022. Which gave me 3 days over a holiday weekend to come up with the money. The letter was dated on the XXXX of XX/XX/2022. The letter says that I have 13 days from the date of the letter to make a payment on the amount that is past due. It appears that they held onto the letter for several days before it was put in the mail since it should not take until the XXXX of XX/XX/2022 to receive it. If it was mailed on the XXXX of XX/XX/2022. {"issue":"Struggling to pay your loan","sub_issue":"Lender trying to repossess or disable the vehicle"}

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: Checking account User complaint: HUNTINGTON BANK - SUMMARY OF EVENTS DATE : Thursday, XX/XX/2016 ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX BRANCH PHONE # : XXXX A check in the amount of {$9000.00} was teller deposited from my XXXX business checking account into my personal checking account at Huntington Bank on Monday, XX/XX/2016 at XXXX On Thursday, XX/XX/XXXX at approximately XXXX I walked into the XXXX XXXX, MI Huntington branch to make a withdrawal of {$9000.00} and was waited on by XXXX XXXX ( younger gentleman XXXX ) and XXXX other bank tellers [ XXXX ] XXXX woman with XXXX who noted to another customer the previous day marked the anniversary of her father 's passing and [ XXXX ] younger woman with XXXX ). XXXX and the XXXX teller initially told me they would be able to cover somewhere from {$3000.00} - {$3500.00} in cash and the rest would have to be made out as a cashier 's check. I asked if there was another branch, which might have the entire amount available to withdraw in cash as I was told by the XXXX women tellers this branch did not normally keep a high cash balance on hand. The XXXX woman called the XXXX branch ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX [ XXXX XXXX ] ) and relayed to me that they had only {$1000.00} or so on hand and that they laughed when she asked them ; she asked if I would be willing to drive out XXXX XXXX XXXX branch ( XXXX XXXX XXXX XXXX , XXXX XXXX, MI XXXX [ XXXX ] ) as that was a higher cash branch and I said yes, if they had the total amount or an amount closer to the total amount on hand. I asked how much exactly their branch ( XXXX XXXX ) could cover and the XXXX woman teller now said only {$500.00} and that they could call XXXX XXXX ( I did n't ask why the amount changed ). I was asked to have a seat by XXXX while they called, I agreed. XXXX XXXX took my driver 's license and debit card to their branch manager 's office, told me it would just be a few minutes. I waited. After about 20-minutes I was told by XXXX to go into the branch manager 's office, XXXX XXXX ( younger gentleman with XXXX wearing a XXXX Huntington Bank logoed dress shirt and XXXX ). XXXX referred to me as " XXXX '', which seemed kind of unprofessional, and said he would not be able to " make a withdrawal '' for any of the funds to me. I asked why and he, " we have a verification process and I did not get verification '' ; I asked if he called the bank issuing the funds and he repeated, " we have a verification process and I did not get verification '' and that it was his discretion as to whether or not they would release the funds and he decided he would not. I asked again if they called the bank issuing the check, which was coming out of my own business account, and in what manner or by what method/how they " verified '' and he just kept repeating over and over, approximately 15 or so times, that they have a verification process which he would not disclose to me and that they check did not clear. I told him the funds are posted as available in my H.B online banking, which he agreed did post as available online, ( I have a print out of the document ) but they were not available for withdrawal in person. XXXX refused to have a conversation with me about the matter by angrily repeating the same phrase about their verification process over and over. I asked if he could please explain to me how they verified or why the funds were marked as available online or if he would call my bank to verify the funds cleared ; XXXX responded back with the same phrase over and over and asked that I leave the branch. I asked why are you kicking me out of the branch that I am doing nothing wrong. ( PLEASE SEE ATTACHED FOR CONTINUATION and full Summary ) {"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: On XX/XX/2021 I was checking my consumer credit file and noticed an account from ACCELERATED RECIEVABLE for the amount of {$68.00}, I never recievd proper documents from this company. They have violated mutiple laws including 15 U.S. Code 1692e.False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. {"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: 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 Account # 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 {"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: I filed an investigation with Trans Union XXXX and XXXX on XX/XX/XXXX and I still havent gotten no information back on the investigation {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Investigation took more than 30 days"}

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: Unauthorized Inquiries on my personal credit report : 1.XXXX XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX XXXX. 7.XXXX 8XXXX XXXX XXXX XXXX 9.XXXX XXXX 10.XXXX XXXX 11XXXX XXXX 12XXXX 13XXXX XXXX 14.XXXX 15.XXXX 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: Checking or savings account Sub-product: Checking account User complaint: multiple accounts was open my credit score went down from XXXX to XXXX I called XXXX XXXX and I they mediately close the accounts they told me to contact you guys {"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: My cash app account was hacked, my email was remove, my phone number was removed and my pin to login was change. Tried to get in contact with cash app customer support but there is no option to talk to a live representative. I have no access to the account anymore, i can't see the activity i am completely locked out from it. {"issue":"Unauthorized transactions or 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: Consumer Loan Sub-product: Vehicle loan User complaint: i was scammed with a vehicle given fradulent XXXX that didnt belong to the car who was wrecked prior to my sale and repaired then was forced into this loan lost my job due to health issues and car was repossesed now they have offered me a settlement and i gave i but they refuse to update my credit file as its being reported unaccurately {"issue":"Problems when you are unable to pay","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: ALL OF THESE INQUIRES ARE EXPIRED AND HAVE BEEN UNAUTHORIZED AND ILLEGALLY REPORTED AND PLACED ON MY CREDIT REPORT. ATT : EXPERIAN- PLEASE REMOVE THESE EXPIRED AND ILLEGAL INQUIRIES THAT WERE REPORTED ON MY CREDIT REPORT IN XX/XX/XXXX 1. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX/XXXX XX/XX/XXXX 3. XXXX XXXX XXXXC XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 7. XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX 9. XXXX/XXXX XXXX XXXX XX/XX/XXXX 10. XXXX/XXXX XXXX XXXX 11. XXXX/XXXX XXXX XX/XX/XXXX 12. XXXX/XXXX XXXX XX/XX/XXXX 13. XXXX/XXXX XXXX 14. XXXX XXXX XXXX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX/XXXX XXXX XXXX 17. XXXX XXXX XXXX XXXX XX/XX/XXXX 18. XXXX 19. XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX {"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: I had filed a complaint against Lexis Nexis for taking to respond to my requests for a complete personal history credit report I spoke to XXXX XXXX XXXX On XX/XX/XXXX to mail me hard copies of the full report AND the complete address history report. I only received the report but HAVE NOT RECEIVED the complete address history I placed two other calls at her number above on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also called today XX/XX/XXXX. {"issue":"Unable to get your credit report or credit score","sub_issue":"Other problem getting your 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 reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: On XX/XX/2021, I sent a letter to the credit reporting agency regarding inaccurate, misleading and unauthorized information on my credit. To this day over 35 days, i have never received a response and this is frustrating. I was told that if i sent a letter the credit reporting agency must investigate and reply to my requests. If the reporting agency fails to investigate, it must be deleted from my credit report. I request these items to be deleted since i am being ignored from the reporting agencies. In addition, i was affected by the equifax data breach that happened and my info must have landed in the wrong of the wrong person. {"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: Bank account or service Sub-product: Savings account User complaint: I attempted a transfer from GE Capital Bank to another financial institution on Saturday, XXXX XXXX, 2015. I received a confirmation and GE Capital failed to contact me on Monday, XXXX XXXX, 2015, to inform me of an unsuccessful transfer. This failed transfer caused a check made out to the IRS to be returned for insufficient funds. The IRS penalized me 2 % on the amount due and 3 % interest. I received the attached letter from GE Capital acknowledging their error. The person writing the letter XXXX XXXX, Compliance Dept, XXXX UT Tele : XXXX. {"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: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: My Experian credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry by XXXX ( XXXX XXXX XXXX XXXX ) I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the Experian credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately. {"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: Vehicle loan or lease Sub-product: Loan User complaint: I payed the lender money to not repo the car and they took the car stated I owed them XXXX dollars and said because I aint pay them that I owe them XXXX dollars now and the name of the company that kept my money and car is bridgecrest they are a rip off my loan has been XXXX for 3 years never went down after payments {"issue":"Struggling to pay your loan","sub_issue":"Lender trying to repossess or disable the vehicle"}

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: We received a phone call from a debt collector which purchased an old debt that was paid and settle for the less then the full amount back in XX/XX/XXXX which was XXXX years ago NY stipulation is 6 years this debt was paid and settle XXXX XXXX has contunued to harass me after I have noted several times to stop it has now become harassment {"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: I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX Balance - XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 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: Debt collection Sub-product: Medical User complaint: I have disputed accounts # XXXX, XXXX, XXXX, XXXX, XXXX with Medical Data Systems, Inc on XXXX/XXXX/2016 and I sent my dispute certified mail requesting validation of this debt. Medical Data Systems failed to provide me with a copy of any viable evidence, bearing my signature instead they send me a copy of itemized billing statements that is a HIPAA violation. A second certified letter was sent XXXX/XXXX/2016 and only XXXX removed all accounts, XXXX still reporting XXXX ( XXXX ) account and XXXX still reporting all accounts as accurate. A third certified letter was send XXXX/XXXX/16 and today I received a letter that is attached above. They are now out of compliance with the FRCA. I 'm sure we would both like to handle this outside of court, so all I ask is that you remove these listings from all the credit bureaus. If you refuse, I will take legal action immediately! {"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: Student loan Sub-product: Federal student loan servicing User complaint: We graduated from XXXX l school in XXXX and had XXXX XXXX as our loan services. When we started residency the first year we were not required to start repayment. We were told by sallie XXXX our 2nd year that the law had changed and we were required to start making payments ( XXXX of XXXX ). We were not making that much as residents and both my husband and I have XXXX school debt so we could not afford the payments. Not ONE time in the last 8 years has ANYONE from XXXX ( now Navient ) contacted me, or informed me when I contacted them about repayment option, about the income based repayment options. We were put into an economic hardship forbearance throughout the rest of our residency XXXX . We should have been informed of the income based option and we were not. Further, we had a private loan that we were paying on during that same time frame. In XXXX when started repayment, our payments were mis-appropriated and applied to all of our loans, making our payments late until WE caught what was happening. This also extended the time it took us to pay off the private loans. After the lawsuit was made public WE looked into income based repayment and it will save us thousands of dollars over the course of our loan repayment. {"issue":"Dealing with your lender or servicer","sub_issue":"Received bad information about your loan"}

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 prepaid card User complaint: XXXX XXXX XXXX XXXX XXXX XXXX Dear Service Representative : In early XXXX, we received an email that Bluebird decided to close our accounts. It specifically mentioned a {$500.00} refund from XXXX and that the balance in our account will be sent to us. We have not received any money, including the {$500.00} from XXXX. It has been more than two months. Bluebird suspended access to our account, locking us out of the record keeping. In addition, customer service rep XXXX on XXXX at XXXX CST said he could not access the records either, but he could see our account was suspended and to contact Bluebird via snail mail. There was no email or phone option. Hence this letter. Please send us {$500.00} each plus whatever residual was left in our account. You can verify the XXXX transaction directly with XXXX loss prevention at XXXX ( XXXX ) XXXX as properly processed on their end. In addition, Serve acknowledged receipt of the funds via email to us. As it stands, we believe Serve is in violation of banking laws and is illegally withholding {$500.00} each plus residual balance in our accounts. In addition, they are denying us access to our records to file legal claims. In addition, Bluebird believes we violated the terms of the Bluebird agreement. No such reason was ever given of what this was nor was XXXX able to provide anything. This seems be to a pretext to illegally withhold our funds. Please send us two checks immediately. {"issue":"Problem getting a card or closing an account","sub_issue":"Trouble closing 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: I do not know User complaint: Portfolio Recovery XXXX on behalf of XXXX XXXX, attempting to collect a debt That does not belong to me that Was removed months ago. Identify theft report/police report, filed and submitted to XXXX XXXX as well as bureaus months ago. Police report case number XXXX XXXX ) as well as FTC complaint filed. {"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: Checking or savings account Sub-product: Other banking product or service User complaint: On XX/XX/21 the XXXX deposited a retroactive benefit payment for {$7800.00} via direct deposit into my Venmo account. I have received other XXXX payments previous to this with no issues. On XX/XX/21 Venmo froze my account without providing a reason, asked me to email a copy of my drivers license, which I did right away, and there is no way to talk to an account specialist over the phone. {"issue":"Managing an account","sub_issue":"Problem making or receiving payments"}

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: On XX/XX/XXXX I closed a mortgage refinance. A condition of this loan was that I pay off my car loan financed with Ally Financial. Rather than ask for a payoff amount, the mortgage company took the payoff amount from the credit bureau report, which was 2 months behind. Additionally, there was another payment due, which I paid as directed, even though I knew the loan was overpaid and would be paid off before the next payment was due. The check was payable directly to Ally Financial. My loan was paid in full on XXXX XXXX, XXXX. I called when I saw the loan was paid online, and was told the overpayment was {$1200.00}, and it would take about 18 days to get the check in the mail. I waited the 18 days and called again. This time I was put on hold, and after a long pause was told that the previous representative was mistaken. It could take up to 90 days to get my overpayment returned to me. This is ridiculous. This is my money. I never was late with a payment, I kept my agreement with Ally. How can they keep my money? Since that time the title has been returned to me, I received a refund of the XXXX insurance for {$250.00}, but no refund for the overpayment of my loan. I called again, and was told it could be another 60 days. Really? How can this bank keep my money? Are they going insolvent? Have they spent MY MONEY and can not send it to me? I am paying interest on this money, since it is now a part of my mortgage loan, but I do not have use of it. Ally should be paying me interest. I made such a fuss to the representative that she put me on hold and said she asked it this could be expedited, and was told no. I would think banks would love a client like me, but I will never finance a car through Ally again. If this is the only bank a dealer has to offer, I would walk away from a deal because there is something very wrong with Ally Financial. {"issue":"Problems at the end of the loan or lease","sub_issue":"Unable to receive car title or other problem after the loan is paid off"}

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: I opened a account with Citi bank that was supposed to pay a XXXX bonus.Ive jumped through all their hoops to qualify and called them at least 3 times. Case # XXXX {"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: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I have two inaccuracies on my credit on two different reporting bureaus. XXXX is showing this account as 30 days late in XXXX, while Experian is showing the account as open. XXXX is the only one who has the reporting right. I have disputed this info with all three bureaus multiple times each. I have even complained here but I keep getting the run around on who's responsible for the correct info. XXXX XXXX has responded on here that i was never late and the account is closed, but when I talked to The executive account supervisor XXXX today, she said she couldn't do anything and that if i felt targeted, I should follow up with CFPB. I believe I am being targeted and retaliated against for my multiple disputes. {"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: Vehicle loan or lease Sub-product: Loan User complaint: No less than 5 times a day i receive phone calls from theaw 2 numbers. I have received over 28 calls in the last 96hrs. They start xalling me as early as XXXX and the last call is always after XXXX PST. The 888 number is a robo caller and the XXXX number is a live representative. XXXX XXXX {"issue":"Struggling to pay your loan","sub_issue":"Lender trying to repossess or disable the vehicle"}

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 called XXXX XXXX XXXX XXXX, Transunion and XXXX and advised of the inaccuracies on my credit report as well as inquiries I was not aware of. On XX/XX/2022, I received a letter from XXXX indicating the amount paid and date paid. They indicated in the letter they would advise CRAs. ( letter attached within this complaint ) On XX/XX/2022, I received letter from XXXX indicating XXXX account was verified as accurate. However, addresses were removed. I also requested specific inquiries be removed as well. They were not. On XX/XX/2022, I received a letter from Transunion indicating the XXXX account was verified as accurate. Again, addresses were removed as well as inquires. However, not all requested. On XX/XX/2022, I mailed all three CRAs letters indicating the inaccuracies i need to be addressed. I've attached those documents. On XX/XX/2022, I received a letter from XXXX indicating the XXXX account was verified as accurate. However, addresses requested were removed as well as inquiries. On XX/XX/2022, I ordered credit monitoring from 3 different services and my reports was not and is not noted that accounts are in dispute. Still to this day my reports are not noted that the account was in dispute. This is clearly a violation. {"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 made an online payment of {$80.00} on XX/XX/XXXX to my line of credit with Bank of America ending XXXX using my checking account at Bank of America ending XXXX, the payment was not applied correctly and I have been calling many times in order Bank of America make the correction and not succeed. I have been paying same way since XX/XX/XXXX with not problem till now, Bank of America is reporting negative information to credit bureaus hurting my credit scores. Bank of America did withdraw the money from my checking account on XX/XX/XXXX and they are not giving me any solutions. {"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: Student loan Sub-product: Federal student loan servicing User complaint: I consolidated my federal student loan debt, in order to simplify repayment and reduce my monthly payment total. Today, I have $ XXXX in unsubsidized debt and $ XXXX in subsidized debt. I have chosen to go back to school for a PhD, so my loans have been put in deferment. The subsidized portion is not gaining interest, but the unsubsidized portion is. My income ( a stipend ) is just {$1900.00} per month, but I am still making efforts to repay my loans as scheduled ( {$550.00} per month to my federal loans ; {$300.00} per month to private loans ). Some months, I am not able to make the full payments, but wish to make interest only payments ( currently {$350.00} per month for my federal consolidation loan ). Unfortunately, the structure of the consolidation loan does not allow me to make interest only payments. If I make a payment in the amount of the unpaid interest, a portion of the payment is allocated to the interest on the unsubsidized part of the loan and a portion is allocated to the principle on the subsidized part of the loan, ultimately leaving unpaid interest on the loan. While I am in school, it makes the most sense to first prevent interest from accumulating on the unsubsidized portion of the loan, then allow any excess payment to be distributed toward principle. In order to pay the full interest each month, I need to pay an amount greater than the interest. Most months, this helps work toward my goal of paying down the principle, rather than make interest only payments. However, I am left with little flexibility at times when my budget is tight. My only option is to pay what I can, knowing that my money is not being allocated in a way that is in my best interest. The servicer of my loan, Navient, has told me that there is no way to allocate my payment as interest only. It seems the system was designed this way to make it more difficult for me to pay down my loans. {"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: 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 1 5 USC 1681 Account name : XXXX XXXXXXXX Account Number # XXXX Opened XX/XX/2014 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1 681 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 as 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: Checking or savings account Sub-product: CD (Certificate of Deposit) User complaint: I requested early withdrawal of XXXX from Axos Bank that bought out XXXX in XXXX in amount of {$45000.00}. I still have not received my money. The account balance shows XXXX. I requested the funds be deposited into my local checking account and was twice sent the wrong form for a wire transfer. In XXXX, 2022 I finally requested a cashiers check. I was told it was mailed to my XXXX XXXX address on XXXX XXXX. I have not received it. Today is XXXX XXXX and all the person on the phone would do was give me a case number and wouldn't transfer me to anyone else to discuss. I have seen numerous complaints online some the exact as mine. I am XXXX XXXX XXXX and never had these problems with managing my CD. Your assistance would be greatly appreciated. I feel like these are stall tactics and I want my money. {"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: I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection Sub-product: I do not know User complaint: This company called me and asked if I was the person they were searching for. I told them I was. I then asked the collector to please stop calling, send a verification of debt, validation letter, original contract with my name on it and signed, and the verification that they have the right to collect from me. The lady asked for my birthday and again I asked to have those items and for her not to call anymore or the company. I did not answer about my birthday. She got irate and said she refused to send anything g bevause I did not answer her question. {"issue":"Communication tactics","sub_issue":"Used obscene, profane, or other abusive language"}

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 disputed these account Due to these accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am victim of identity theft and did not make these charges whatsoever. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {"issue":"Getting a credit card","sub_issue":"Application denied"}

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 sent out letters on XX/XX/2022 asking to validate the hard Inquiries left on my Credit Reports, respectfully, to each of the following companies XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not a single company has responded. So I reached out to Experian, XXXX, and XXXX to VALIDATE the hard inquiries, and to provide substantial Evidence and information such as, Signatures, Forms, and applications for the entire month of XXXX and XXXX of XXXX, which was sent formally though XXXX on the XXXX of each of those months, and I have yet to have a formal Response Via XXXX as of today, XX/XX/2022. Since I have not received not 1 single letter from the Credit Reporting agencies and or the organizations that have marked my credit I am asking for the Consumer Protection Financial Bureau Investigate the " Hard Inquiries '' on all of my credit reports. If there is no information keeping these inquiries on my account, Then, Per 15 U.S. Code 1681i, this information shall be deleted. ( A ) In general if, after any re-investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. {"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 reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I contacted XXXX expressing that there was 6 credit accounts reporting to my credit report that was not mine. First off I sent a letter to XXXX dated XX/XX/2021. They claimed that they did not receive the letter until sometime in XXXX. When I wrote the dispute letter I asked that the account be verified by giving verifiable proof of this account and that it belongs to me because it does not. I wrote this XXXX letter and they refused to start my dispute in XXXX they waited until XXXX. They were already OVER the 30 days of investigation they refused to start it until XXXX. After they started my dispute they send me an email saying the results of my dispute came back verified. I called XXXX and asked them exactly HOW they verified the information. They could not give me an answer, I told them that having something verified by the e-Oscar system was not sufficient enough to deem anything verifiable.a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. According to the FCRA they HAVE to provide documentation on HOW these items were deemed verifiable. Please see the attached documents that I have sent to XXXX regarding this and these are the exact letters that they refuse to respond too. {"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 User complaint: I was contacted several months ago to take care of a debt that I owe. I reached a debt settlement. However, I never received a debt settlement letter. I have made repeated attempts to retrieve such letter. I have been told that a letter have been sent out, however, I have not received any such letter. Every month, money is being deducted from my account. However, I am not sure that the debt is actually being paid off. {"issue":"Disclosure verification of debt","sub_issue":"Not disclosed as an attempt to collect"}

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: Comenity Bank called my parents home X/XX/17 and gave information to my father as to what the call was concerning. {"issue":"Threatened to contact someone or share information improperly","sub_issue":"Talked to a third-party about your 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 card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: In XXXX of XXXX, my wife and I moved to a new house in XXXX Ca. As a result, we used our XXXX from Synchrony Bank more than usual as well as another credit card from another bank. The purchases were for goods and services needed for the new home and would be in line with what one would expect in our situation. Synchrony started questioning our purchases by not allowing the purchase to be made, they were telling us the purchases were not customary and therefore may be fraudulent. After repeated calls to the bank and their fraud department to explain we had just moved and had purchases as a result, they still prevented us from using the card by blocking transactions we were trying to make. Fortunately, we do have another credit card from XXXX XXXX which allowed us to make the needed purchases. Please note, at no time were we late on any of our monthly payments, they were always paid in full each month and on time. We have had the card since XXXX and have only recently had troubles with the bank. When we contacted the bank, we were treated very rudely as if we had done something wrong. The bank then told us we needed to add a second layer of security by taking a picture of myself ( I am the main cardholder ) and adding it to their website via cell phone. Well, I do not have a cell phone and after several attempts using my wife 's and again contacting the bank for their help, it did not work. We have been waiting for the bank to come up with a solution but we have not heard from them since. In the meantime, the account has been put on hold so it can not be used and we have paid any open balances. The card currently has a zero balance. In XXXX, I received a letter from the bank stating the account will be closed due to two reasons : 1. A restriction placed on the account for suspected unauthorized use. Note : There has never been any unauthorized use of the card, the bank has never provided details of what they feel the unauthorized use was, nor has there ever been any dispute of charges made on the card. We have always paid the statement in full and on time. 2. Subsequent inactivity on this account. Note : The bank has placed the account on hold, we couldn't use the card if we wanted to! They provided a phone number in the letter they sent, but due to the unprofessional way in which we have been treated on the phone previously, I decided to write a letter instead. No, we have heard back from them. {"issue":"Trouble using your card","sub_issue":"Can't use card to make purchases"}