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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 having a hard time believing that an investigation was done regarding an account that's reporting on my credit report. A company by the name of Jefferson Capital is reporting a collection account to the bureaus. I disputed this months ago because I've never had an account with this company. The original creditor is XXXX XXXX and I have already discussed payment plans. The amount on this account is not the same balance that I have with the original creditor. A remark is on my credit report acknowledging that I disputed this account, but I have yet to receive validation. Please provide the original contract where it includes Jefferson Capital as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report. {"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: Mobile or digital wallet User complaint: Hello, I have filed 3 disputes and a corporate complaint as my phone was hacked and there were fraudulent XXXX transactions equating to almost {$2500.00} on XX/XX/XXXX. I have been given the run around with PNC on different departments and this is still not resolved. I will get my attorney involved as I am looking to get to a resolution and get reimbursed for direct funds from my personal bank account due to the fraud transactions. It has been 3 weeks and this is not resolved and I have been passed to different departments and there is not a resolution. This is completely unacceptable as I had my other business bank accounts hacked and I received the reimbursements back from them. This matter needs attention asap as this was not handled correctly and I am personally out of funds that I did not authorize or make the transactions as my phone and computer were hacked. The dispute department stated that it happened in my location well yes, likely it did as it happened with XXXX and XXXX XXXX as well as my XXXX credit card and XXXX credit card and all of the other institutions have refunded me the money back from the fraud charges except for PNC Bank. I spent countless times on hold and Friday, XX/XX/XXXX I spent 4 hours on the phone with PNC and no resolution as they keep denying my dispute and will not refund me my money back from the fraud XXXX charges. I never used XXXX in my entire life and I was hacked. PNC keeps denying this and will not refund me my money even though this has been fraudulent transactions that were not from me. {"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: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: On XX/XX/2021, my Macy 's credit account limit was lowered from XXXX to XXXX. They said this was done based on a review of my consumer file supplied to them from XXXX. I did not authorize Macy 's to obtain an additional pull of my consumer file, whether it be soft or hard pull, I did not authorize it. Furthermore, XXXX has two delinquent accounts on my consumer file that should not be. {"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: Debt collection Sub-product: Other debt User complaint: Due to Covid-19 was told I had time to pay the bill, paid bill in time but they had reported to credit reporting agency anyway. I do believe it was not done intentionally. Its been tuff on all. Eastern Accounts System : XXXX XXXX {$0.00} due account # 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 Sub-product: Not Available User complaint: I have filed a dispute with Transunion several times I have with through this Bureau of Consumer serveral times as well. Im at my wits in. I have disputed items on my credit report with Transunion I have had fraud alerts placed on my account it has been past 30-45 days since my dispute and yet nothing has been communicated back to me and according to the fair trade act it should be removed along with the XXXX hard inquires that are report from XX/XX/XXXX-XX/XX/XXXX. Please handle and resolve this once again {"issue":"Incorrect information on credit report","sub_issue":"Account terms"}

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 in response to complaint number XXXX, filed against Experian. Experian seems to be confused as to the reason of my complaint. It WAS NOT a dispute complaint, as this is NOT the forum to properly file a dispute. The nature of the complaint was to inform the CFPB of the violations that Experian is perpetrating against me. As stated, I have formally requested on more than one occasion to have several trade-lines on my personal credit profile 'validated '. I have furthermore asked that according to the law, that after validation ( if possible ) have those validating items sent to me proving they those trade-lines belong to me. Validation proof, according to the law would be contracts with my WET INK signature on them. Experian HAS NOT followed the law according to the FCRA by sending me this validation. Yet Experian only sends that the trades-lines are 'verified '. The law states that there should be a 'reasonable investigation ' for a consumers disputes. Waiting 30 plus days to receive that the items are 'verified ' WITHOUT following the federal guidelines of my disputes are a gross violation of my federal rights. {"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 was an authorized user on a XXXX credit card I am no longer an authorized user, Experian refused to remove account from my report after 3 attempts /dispute {"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: 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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the XXXXday period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. XXXX XXXX # XXXX XXXX XXXX XXXX # 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: Debt collection Sub-product: Credit card User complaint: American Express Collections ( XXXX ) called me attempting to reach my mother in law about a debt. I have never had any debts with her, and the number they called is my business cell phone. I do n't use it for personal matters. They were rude and kept insisting I give them her phone number. {"issue":"Cont'd attempts collect debt not owed","sub_issue":"Debt is not mine"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: Conventional home mortgage User complaint: I AM A NURSE WITH XXXX. NOT ONLY DO I SUFFER FROM XXXX XXXX AND WAS PLACED OUT OF WORK BECAUSE OF IT. IN ADDITION TO THIS MY SON OF XXXX YEARS OF AGE GOT INFECTED WITH XXXX WITHIN A COUPLE OF WEEKS OF MY XXXX YEAR OLD HAVING XXXX I MYSELF HAD XXXX. I WAS AGAIN PLACED OUT OF WORK, MAKING THIS THE THIRD TIME I WAS PLACED OUT OF WORK IN THE LAST 2 YEARS. I AM A SINGLE MOTHER WITH THREE CHILDREN AND THIS IS OUR HOME SINCE 2006. PRIOR TO ME DEFAULTING I WAS ALWAYS IN GOOD STANDINGS AND MADE MY PAYMENTS ON TIME AND IN FULL. I DID NOT ASK TO SUFFER FROM XXXX XXXX, I DID NOT ASK TO HAVE XXXX, I DID NOT ASK FOR MY XXXX YEAR OLD TO HAVE XXXX NEITHER. THESE EVENTS HAPPENING BACK TO BACK HAVE AFFECTED MY INCOME. I DID NOT WAKE UP ONE MORNING AND TOLD MYSELF TODAY I AM NOT MAKING MY MORTGAGE PAYMENTS. NO I AM A RESPONSIBLE SINGLE MOTHER DOING ALL THAT SHE CAN TO KEEP THE LIGHTS ON, PROVIDE A HOT MEAL, AND PROVIDE CARE FOR MY CHILDREN AND I. NOW THAT I AM BACK TO THE FRONTLINE PROVIDING CARE I HAVE INCOME ONCE AGAIN. I AM SIMPLY ASKING FOR ASSISTANCE TO AVOID FORECLOSURE. AS A HOMEOWNER IN CALIFORNIA WHO WAS IMPACTED BY XXXX SINCE I DID HAVE IT AS WELL AS MY XXXX YEAR OLD SON I AM ASKING FOR MORTGAGE ASSISTANCE TO RETAIN MY HOME. I WAS INFORMED I WAS DENIED FOR HOME RETENTION OPTIONS BECAUSE IT IS MORE CONVENIENT FOR THE INVESTOR OF MY LOAN TO HAVE ME SELL MY HOME OF 15 YEARS. HOW IS THIS HELPING ME AVOID FORECLOSURE. MY RIGHTS AS A HOMEOWNER ARE BEING VIOLATED. {"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: Payday loan Sub-product: Not Available User complaint: This is my XXXX complaint about Western Sky Financial. I got a call from their thrid party company a man name XXXX XXXX leaves a voice mail saying he is coming to my house with the sheirff deparment to serve me documents on a case against me, they called froma XXXX on the voice mail he told me to call a XXXX XXXX, I am sick of these low life people and their tactics. {"issue":"Received a loan I didn't apply for","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 consistently called these companies during the month of XX/XX/XXXX : XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX After being ignored by these companies I reached out to Experian XX/XX/XXXX to have the incorrect information removed from my credit report. Experian has failed to respond to my dispute letter sent on XX/XX/XXXX within 30 days. I have enclosed a copy of the return receipt which Experian received on XX/XX/XXXX at XXXX. ( Tracking Number : XXXX ) It appears that my rights have been violated according to the FCRA. {"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 Sub-product: Not Available User complaint: I received a credit monitoring alert that a new address was added to my TransUnion credit report. When I checked my credit report, TransUnion is showing an incorrect address of : XXXX XXXX XXXX , XXXX , GA XXXX . That is NOT my address. I demand that this incorrect address is removed from my credit report. {"issue":"Incorrect information on credit report","sub_issue":"Personal information"}

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 would be eligible for over a year student loan forgiveness as I work as a mental health provider for a non profit. However, I was never informed of this. Instead due to my low income and being a XXXX mother I was talked into more like forced into derfeenr or forbearance as I had to chose between paying my mortgage or student loan. Now with interest I owe more than several years of my gross salary. {"issue":"Struggling to repay your loan","sub_issue":"Can't get other flexible options for repaying 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: To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. For EQUIFAX 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 3. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 4. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 5. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 6. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 7. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 8. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. For XXXX 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 5. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. For TRANSUNION {"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: Mortgage Sub-product: Conventional fixed mortgage User complaint: I applied online for a refinance, and the GFE that was generated did not remain the same after I spoke with an agent the first time. On XXXX/XXXX/15, I paid the lock-in fee of {$490.00} for which the agreement said I could rescind it if I did n't yet receive countersigned documents. I rescinded the agreement on XXXX/XXXX/15 because I became distrustful of the process and agent. Plus, I had n't received any documents. I was told on XXXX/XXXX/15 that the lock-in fee of {$490.00} that I paid would be refunded to me. After sending a reminder email on XXXX/XXXX/15, I still have n't heard from any agent at Valley National Bankl {"issue":"Application, originator, mortgage broker","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: The following closed accounts listed on my current Equifax credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. Furthermore, I do not want any extended fraud or security alerts on my credit report. {"issue":"Incorrect information on your report","sub_issue":"Old information reappears or never goes away"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Other debt User complaint: Diversified is trying to illegally collect a supposed debt for XXXX. This debt if owed would be a zombi debt which would not be collectable per the fair debt collection act and the dept collection act of Texas. The following statements are from the complaint I filed about XXXX. I was contacted by a dept collector stating I owed a dept to XXXX. I dont remember ever having XXXX as a XXXX company. I have tried calling XXXX about the supposed dept several times and they could not give me any information on the supposed dept and told me to go to one of their stores to get the information but even they couldnt pull up any information. I then contacted their corporate office and they couldnt find any information regarding this supposed account. I even contacted the dept collector and they couldnt give me any information either. I have had my current cellular company for over a year and before that I had another cellular company not XXXX for over 7 years. This is the first time I even heard that I might owe any money to XXXX and by my research if I did owe that amount due to the fair dept collection act this would fall under a zombie dept which is not a collectible account and would be an illegal action upon XXXX to even try to collect this dept. I did contact the dept collector Diversified and they stated XXXX turned the dept over to them in XXXX year of 2022 {"issue":"Attempts to collect debt not owed","sub_issue":"Debt is not yours"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Checking or savings account Sub-product: Other banking product or service User complaint: I initiated a XX/XX/2021 withdrawal request in the amount of {$4400.00}. There were three transactions selling XXXX to support the withdrawal request in the amount of {$4400.00}. I followed up on XX/XX/2021 and was told the first request failed and to submit another request, so I initiated a second withdrawal request. I followed up on XX/XX/2021 and was told on XX/XX/2021 the second withdrawal request failed and that I should put in a third request, where customer support would forward my request to IT afterward. Counting today, it has been 13 business days since XX/XX/2021, which exceeds the 5-7 business days for the withdrawal of funds to take effect. I understand the cash is still in my XXXX XXXX account but I'm not understanding why this hasn't been transferred to my checking account. {"issue":"Managing an account","sub_issue":"Funds not handled or disbursed as instructed"}

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 I have a closed mortgage on my credit report. Its reporting late. I was never late the company said that It will remain late because its closed. I told them my mortgage was automatacly been deducted. I reaally need my credit showing postive. With all the goodness in your heart. I XXXX both of my XXXX in a truck accident. I XXXX XXXX for a living. I really need these lates removed I dont understand. Please godbless you and your family {"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: Other debt User complaint: I have contac t Hunter Warfield and ask that they stop contacting me. I never had contract with them. I have never signed a contract with Hunter Warefield. I 've never gotten a solution other than continue harassing phone calls from some rude guy. {"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: Checking or savings account Sub-product: Checking account User complaint: Wrongful charges and overdraft fees {"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: Debt collection Sub-product: Medical debt User complaint: I was taken to XXXX XXXX XXXX XXXX on XX/XX/2018. Because I was unresponsive the lady at registration put in the wrong in formation, instead of XXXX XXXX XXXX she put XXXX XXXX XXXX. On my insurance card was XXXX XXXX XXXX. So after I got better everything was clear between the insurance and the hospital. Everything was paid the same day of service XX/XX/2018. Until this day I have a bill for {$610.00} that I do not owe. My insurance called this collection agency and they did not fixed it. It still there two years after. My credit score went down. I mailed the receipt of payment and nothing, to the collection agency and credit bureaus. And still on there {"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: You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions {"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 sent XXXX, Equifax & XXXX a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries & the METHOD OF VERIFICATION to be sent to me ( FTC ID Theft Report # XXXX & proof of service attached ). As of today XX/XX/2021, I have not received any proof of validation nor any written Method Of Verification from XXXX, Equifax nor XXXX. This is in violation of my consumer rights under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist. {"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: Money transfer, virtual currency, or money service Sub-product: Mobile or digital wallet User complaint: Unauthorized transaction {"issue":"Fraud or scam","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: FHA mortgage User complaint: XX/XX/XXXX, I was struck by an uninsured motorist. I contracted XXXX in the hospital. The company I worked for filled my position after I was out under doctors care for XXXX weeks. After losing my income, CMG Financial offered a forbearance and told me about the XXXX XXXX XXXX program. I was desperate to save my home so I accepted the forbearance even though I didnt understand what it was or how it worked. I went back to work XX/XX/XXXX. XXXX XXXX XXXX denied me because I earn too much. According to my XXXX I earned $ XXXX in XXXX. In received a statement from CMG advising as of XX/XX/XXXX, I owe XXXX. I called to get advise. They advised I would receive a packet in XXXX days that provided options. He added not to worry because I have XXXX days to complete and return the packet. I called today because I have not received the packet. I was totally disrespected by the customer service agent that continued to speak over me when I tried to get clarity. At the end of the conversation, I advised, Im glad I recorded the call. I just want to get back on track to save my home. I need to know what my options are. {"issue":"Trouble during payment process","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Medical debt User complaint: I went to check my credit score and I see that there's a medical debt owed to the American Adjustment Bureau in the amount of {$2800.00}. I was not aware of this because I do not owe this. There is no documentation with my signature proving beyond reasonable doubt that I have agreed to pay the company. I don't even know how the company obtained my medical information. They can not prove that I authorized them any type of written consent to obtain my medical history, therefore they are in direct violation of ( HIPPA ) The Health Insurance Portability and Accountability Act of 1996. {"issue":"Attempts to collect debt not owed","sub_issue":"Debt is not yours"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: Sometime around XXXX of 2017 Equifax had a data breach and lost 143 million Americans personal data. I am one of them. It looks like the company sold a bunch if it 's stock as a reaction to this issue. {"issue":"Improper use of your report","sub_issue":"Reporting company used your report improperly"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: Conventional home mortgage User complaint: I applied for a loan modification in XXXX of this year and provided all the all my proper income and back-up documentation necessary to the lender, including any clarification documents they requested throughout the process. I was just informed that my request was denied. Based on what they told me I don't believe they considered the correct federal guidelines in their decision. {"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: Debt collection Sub-product: Other debt User complaint: XXXX XXXX, Your rent payment was accepted by Slate. Payment Details : Payment ID XXXX Resident XXXX XXXXXXXX XXXX XXXX Amount {$88.00} Date XX/XX/2020 Payment Status Paid, View Receipt Payment Method Check Note I paid completely directed to the XXXX XXXX. Genesis manager, Ms. XXXX was so rude since day one. I paid and they continue calling and threatening me. Ms. XXXX, manager of Genesis, sent debt to credit report after I paid. I want Genesis to be investigated for management approach and debt charges that you cant fully understand well from where they charge money from people. I am positive others have had same experience like mine. {"issue":"Took or threatened to take negative or legal action","sub_issue":"Threatened or suggested your credit would be damaged"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Other debt User complaint: I was informed once I paid the amount owed that it would be taken off my credit reports and it was not. {"issue":"False statements or representation","sub_issue":"Attempted to collect wrong amount"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Consumer Loan Sub-product: Vehicle loan User complaint: I made my XXXX payment to Exeter Finance Corp by check and it was not credited to my account. I have faxed and emailed a copy of the check that cleared my bank weeks ago and they are still calling me 4 -5 times per day for the payment and are threatening to repossess my car. {"issue":"Managing the loan or lease","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Student loan Sub-product: Non-federal student loan User complaint: After entering the XXXX I was provided the benefit of the military student loan repayment program. The loan repayments would be spread across three years and the payments would only go to the principal of the loans. The first two payments in XX/XX/XXXX and XX/XX/XXXX were applied correctly. The final payment in XX/XX/XXXX was wrongly applied to both the principal and interest of the loans. After a year of arguing my issue I encountered an individual at Navient that worked to correct the wrongly applied payment. They correctly applied the third repayment amount all to principal, however, when they went back to reverse the wrong payment they reversed it all from principal instead of reversing the amounts from principal and interest, essentially taking us back to square one. I have called endlessly to have this issue corrected only to be told by Navient employees that it all looks right and it was applied properly. It was n't until early this year, XX/XX/XXXX, that I found a member of their military benefits department that was willing to take the time and listen to me. She said she could clearly see that something was wrong but that it was complicated and she would need to forward it to another department to look at the issue further. That all began to take place in XX/XX/XXXX. Three months later and I am still being told that it 's been forwarded to another department and another department but with no resolution. {"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 15 USC 1681. Delete account immediately! XXXX XXXX Account XXXX Opened XXXX Reporting 60 Days Late ( XXXX XXXX XX/XX/XXXX ) XXXX XXXX Account XXXX Opened XXXX Status : Paid, was a repossession ( XXXX XXXX Current ) XXXX XXXX Account XXXX Opened XXXX Status : Paid, was past due 30 days two or three times ( XXXX XXXX XX/XX/XXXX ) XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 is inaccurate. {"issue":"Improper use of your report","sub_issue":"Reporting company used your report improperly"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: General-purpose prepaid card User complaint: amex serve debit card used as deposit sales account with XXXX XXXX items sold paid for by customer money fails to depost into corresponding account {"issue":"Problem with a purchase or transfer","sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"}

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: Payday loan, title loan, or personal loan Sub-product: Personal line of credit User complaint: On XX/XX/XXXX, rep from the company called me about my bill, I had do not call on my account since XX/XX/2017, I had been off sick due to XXXX XXXX which I was just coming out of the doctors office I asked the rep why she was calling me told her repeatedly that I was sick and that she shouldnt be calling me, I told her I was not feeling well I would take care of my be she kept talking told her again Ive never been late on a bill have excellent credit and I hung up, XX/XX/XXXX another rep called me for the same reason I advised rep I have dont call me before I answered they called me repeatedly over n over so I could answer I was very ill told rep I had got bad health news regarding my hurt she continued I hung up {"issue":"Struggling to pay your loan","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: XXXX we are temporarily unable to complete this request. please try again later. Unable to file a fraudulent dispute on my account. I tried several browsers and devices. {"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: i wrote a check from a local bank ( XXXX ) to make a purchase at XXXX XXXX. I have done so in the past and have had no problems. Today XXXX XX/XX/2018, my check was declined. When I asked my bank they said it was the company Certegy that declined it not them. I tried to contact the company with their phone service both ( XXXX ) XXXX and ( XXXX ) XXXX to inquire why. You can not get a person. When I tried to enter my information using the phone it would not take my driver 's license number thus I could not ask for a credit report or inquire as to why they declined it. The only other contact was a PO Box number. However, I do not trust this method and want to talk to a person. {"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: XXXX ; Experian and XXXX should not be reporting me as an authorized user on the CREDITCD/FBT partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful. {"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: After reviewing my credit report I found many inaccuracies. The following accounts are inaccurate, yet your company continues to report inaccurate information to my consumer report. Under the provisions of the FCRA I am demanding that your agency proves to me in writing the accuracy of the reporting of the inaccurate accounts listed below. By law you have 30 days to provide me with proof of accuracy or these inaccurate accounts must be removed from my report. I have sent this complaint through the CFPB so it is timestamped, and I have attached my license and proof address to this complaint, and the CFPB sends me copies of this complaint so I have proof if need be, so I expect a prompt response from your agency. In the event that your agency fails to respond with the proper documentation that I, the consumer, has requested within the 30 day period, as a consumer I will follow up with whatever action is necessary as you will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Other (i.e. phone, health club, etc.) User complaint: Had a credit check and found out there are XXXX accounts that should not be on there.XXXX are from XXXX, 1 they have no record of, 2 is for a address i have never lived at and the 3rd is from a doctors office that should have sent it to my insurance company but didnt.What is the fastest way i can get these taken off, XXXX said it will take XXXX45 days, even after comcast got ahold of them.Does it really take that long? {"issue":"Cont'd attempts collect debt not owed","sub_issue":"Debt is not mine"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy. XXXX ) Account name : XXXX # XXXX XXXX ) Account name : XXXX XXXX # XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX # XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX # XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy. 15 U.S.C. 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. c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting 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 more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate. {"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 a credit freeze on Equifax due to their high profile mishandling of consumer data from a few years back. However, recently when I tried to login and unfreeze my credit the site locked me out and said the only way to unlock my account would be to contact their customer care center by phone. So, I called their customer care number and spent over an hour on the phone trying to get answers from them. Finally, they determined that the only way for me to reset my account would be to send a letter including proof of identity ( Drivers license and copy of social security card ) to their headquarters to verify my identity. That letter was sent 3 months ago ( XX/XX/XXXX ), and I still haven't heard a word from their organization AND my account is still locked. {"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: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: XXXX XXXX XXXX either has not yet reported that we has paid a settlement or the credit burrows have not yet received the information. The management company for them is XXXX XXXX XXXX, I have a cashiers check receipt through XXXX XXXX XXXXXXXX for {$1000.00}. The check # is XXXX the date is XX/XX/21 @ XXXX XXXX I dropped it off to the XXXX that afternoon about XXXX XXXX. {"issue":"Incorrect information on your report","sub_issue":"Public record information inaccurate"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting Sub-product: Not Available User complaint: I accessed the FTC 's XXXX site to request a free credit report online from Equifax. After I entered my personal data and received the credit report, I noticed Equifax offered to provide my " credit score '' for a {$7.00} fee. Only after paying the fee and receiving the score did I become aware that the " credit score '' was n't the FICO credit score, but rather a so-called " Equifax proprietary score ''. Knowingly using suggestive, if not outright deceptive, language to unfairly profit from unsuspecting consumers is essentially a form of bait-and-switch. I referred back to the FTC website, who hosts the link to XXXX, to see if I could file a complaint, however, they refer consumers back to the offending credit bureau and the CFPB before they will get involved ( XXXX ). I am attempting to file a complaint with Equifax to request having my fee refunded, but I 'm not sure they 'll honor my request. I am sure there are untold numbers of unsuspecting consumers who are being similarly duped without realizing it and thus wo n't demand to have their monies refunded. Also, Equifax does n't appear to have the mechanism on their website to appeal the fee or request a fee refund. The only option I could find was related to inaccuracies on a credit report. I appreciate your efforts and advocacy on behalf of consumers nationwide and hope this could be an area where credit bureaus can be made to clean-up the way they do business. Thank you. {"issue":"Unable to get credit report/credit score","sub_issue":"Problem getting report or credit score"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I have contacted all 3 CRAs regarding the associated inquiries. In the first attachment, you will find returned letters from creditors that claim to have permissible purpose to obtain a copy of my credit report. I requested verification from all 3 CRAs and all replied saying that the information for all 6 returned inquiries has been verified. I would like to know how they verified information yet continue to report companies on my report with false contact information. Per the FCRA, the credit bureau is not allowed to report anything they know to be false, including addresses. I have sent letters to all CRAs showing verification of the same information and have received no reply or deletion of the false information. In the second attachment, you will find copies of all letters sent out to the creditors reporting false inquiries on my credit report claiming to have permissible purpose. I requested the information from the creditors claiming permissible purpose in the form of an application for credit or the like and received no response from any of them. If they do not reply within 30 days of receiving my letter, they are in violation of the FDCPA and FCRA. I requested verification from all 3 CRAs via certified mail and all replied saying that the information for all inquiries has been verified. I requested the verification method used as well as contact information for the individuals the CRAs spoke with. I have not received anything to date. The responses I have received from XXXX claim that a specific address from a creditor is not not reporting instead of addressing the direct concern. I believe this is a tactic to avoid addressing the concern. You will find an example of this in the third attachment. This complaint is being filed as part of the documentation being presented to the courts. {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Their investigation did not fix an error on your report"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting Sub-product: Not Available User complaint: I had a payday loan with XXXX XXXX XX/XX/XXXX. It became delinquent immediately. XX/XX/XXXX, they turned the collection over to XXXX XXXX XXXX. The obsolescence date for the 7 year time frame for falling off my file would have been XX/XX/XXXX. But XXXX XXXX put that date as XX/XX/XXXX ... when they received the collection. This is a violation of my federal rights. I disputed this with Experian and they left it on my file. {"issue":"Incorrect information on credit report","sub_issue":"Account status"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: The law requires me to have a FREE and accurate Credit Report, once a year. Experian has not updated my credit report since XX/XX/2021. When I went to view and print my FREE credit report, Experian is reporting incorrect account information as well as an incorrect FICO Score and inquiries ( Hard pulls ) that should have been removed. Also, the credit report on their website also shows incorrect account information, FICO score and inquiries tht should have been removed. I have sent letters, attempt to call by phone several times, neither phone number listed offer live customer service, just a recording with options to order your credit report or assistance with credit freezes.I am trying to refinance my vehicle and I am unable to because Experian is reporting incorrect account information which we cause a denial of gredit. One account with the incorrect account balance that is really hurting my credit is a loan from XXXX XXXX XXXX XXXX that was paid in full back in XXXX of this year, however experian is reporting a balance owed of {$1300.00} and a 92 % Credit usage which has damaged my FICO Score. Also XXXX XXXX ( Car Loan ), experian is reporting incorrect account information as far as the balance owed. XXXX XXXX although is only shows a {$6.00} balance, the account balance has been {$0.00}. XXXX and XXXX is reporting correct account information and my Fico Score is at XXXX or above where as Experian with their incorrect account information, my FICO score is at XXXX and has been at XXXX since XXXX. Also, I was attempting to contact Experian for possible fradulent account access, which I reported to the XXXX XXXX XXXX because Experian has some how gotten my XXXX XXXX account number and has it stored on their server without my consent and my account was billed for a subscription I never ordered. Also is indicates on their website, I pulled my credit report which I hadn't. This is why I'm concerned that someone accessed my account on their website, orderad a subscription and pulled my credit report which could cause Identify theft. Experian has no customer service available to inquire about this. This could have been avoided if Experian had not stored my account number on their server where anyone without my consent, log into my experian account and order services that would automatically be charged to the credit number on their server. To prevent this, Experian should have a second verification process to verify user access. After discovering this, I had to cancel my credit card and have a new one issued which caused delays with my automatic payments for bills. Not only is Experian required to supply me an accurate credit report, they are denying me credit that I should be approved for, especially needed credit to refinance my vehicle. This is discrimination and Experian should be held liable for my denial of credit, employment, car insurance and any other denial where my credit report is pulled and used as a decision for approval. have attached screen shot of my credit report from Experians website to substaniate these statements. {"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 Sub-product: Not Available User complaint: Received an alert on my Experian credit file stating that XXXX. reinstated a collection Account ( XXXX ) That was previously removed. Alerted on XX/XX/2017 of this new account and then again on XX/XX/2017. I never received the 5 day notice required by law that the account in question was legally validated. I have no contract with this company. {"issue":"Incorrect information on credit report","sub_issue":"Reinserted previously deleted info"}

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 User complaint: this was filed in chapter XXXX and should be removed off credit report as promised {"issue":"Cont'd attempts collect debt not owed","sub_issue":"Debt was discharged in bankruptcy"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: Conventional fixed mortgage User complaint: I was approved both by XXXX ( owner of my loan ) and my servicer Ocwen for a loan modification on XX/XX/2016 ( Attached ) trial that went from XX/XX/2016 to XX/XX/2016. I made all of my required trial payments on time. Then in XXXX Ocwen stated they made an error on the first trial and issued me a revised trial dated XX/XX/2016 that went from XX/XX/2016 to XX/XX/2016. I made all of these trial payments on time. Then in XXXX Ocwen stated they could not issue the final modification documents until they cancelled out my first trial that was issued in error. So I kept paying my trial payments for the months XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016. This last week my attorney who I hired to help me with this process advised me that Ocwen now states that they have cancelled both trials. My attorney states Ocwen makes mistakes like this all the time and what we believe happened is that they were only supposed to cancel out the first trial and they ended up cancelling both trials. I have now been paying trial payments since XX/XX/2016. Ocwen has messed up my modification process now two times and I am now back in foreclosure without any explanation from Ocwen except that they are working on it. My attorney has been calling them every month since XXXX and if we did not file this complaint Ocwen would just ignore their mistake until my house foreclosed. According to my attorney Ocwen can not put me into a trial unless I am already fully approved. Obviously Ocwen is violating the guidelines and they are also argumentative with my attorney every time they call. XXXX is even stepping in advising Ocwen to offer the modification. According to XXXX the modification has been approved since XX/XX/2016 and they have no idea what Ocwen is doing all this time. {"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: Debt collection Sub-product: Medical debt User complaint: The first one is for the year XXXX and the second one is for the year XXXX. I had insurance for both of these but im not sure if my insurance was filled correctly to cover these medical items. The XXXX items amount was {$1800.00} and the XXXX item the amount is {$2400.00}. I set up payment for both of these and i have not seen any of the amounts going down in the amount. I have talked to these people and they have told me that i have to pay the interest down first well that is not even going down on the amount either. I set this up so they would not garnish my paychecks i cant have the garnisment cause im barely making it now cause i had to buy myself another new used car so i can drive to work. They have filed a XXXX Judgement on both items. I feel that i should be getting most of these items paid off but they just keep staying at the same amount i owe and no improvement. I just want this to improve soon. Thanks {"issue":"False statements or representation","sub_issue":"Impersonated attorney, law enforcement, or government official"}

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 debt is result of identity theft I have not received any services from this company and this is in violation of the FCRA to display medical records for public viewing this debt is definitely a result of identity theft {"issue":"Attempts to collect debt not owed","sub_issue":"Debt was result of identity theft"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX XXXX : {$0.00} {"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: On XXXX/XXXX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me. {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Was not notified of investigation status or results"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Payday loan User complaint: The debt was purchased and sold by multiple debt collection companies. I called the original creditor whom I owed the debt to originally and they gave me a number. They no longer hold the debt. I called and the number gave me a number because they no longer had the debt. I called 3 different numbers.This company recently aquired the debt. I have intentions to pay the debt but this is the first time I 've learned who I owe the debt to since the original loan was made. I received no calls or mail regarding the debt from 2014 until now. In 2 years I assumed it was discharged or written off by now. No it 's not on my credit report either. Anyway I verified who I was when they called and I asked for them to mail me a copy. That was 2 weeks ago. I got a call today demanding payment. I said without that paper I was n't paying and giving out payment over the phone. They emailed the copy. I said no good. I want it postmarked. I do n't want to be victim of scam or fraud. They call me multiple times demanding money and threatened court and jail. After I got off the phone a fake person called and pretended to be an investigator demanding I pay in 24hrs before law arrest me at home. {"issue":"Disclosure verification of debt","sub_issue":"Right to dispute notice not received"}

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: My second complaint. I have had several issues with XXXX XXXX. I was told that I could make more than one payment and the other payment would be for the next payment. I did that and XXXX XXXX refused to honor the payment. Causing fees and negative reporting to my credit bureau reports. If this is n't resolved my lawyer will contact XXXX XXXX and start legal proceedings in federal court. Please forward calls that were made so they can be listened to. {"issue":"Billing disputes","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done with the following inquiries : XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and this violates my rights as a consumer. {"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: Checking or savings account Sub-product: Checking account User complaint: A fraudulent checking account was created online with my information with Well Fargo Bank. This account was created online with XXXX dollars deposited on XX/XX/2021. I received a debit card in the mail and a letter with a PIN number as well as a letter from Fraud & Claims Management Dept from Wells Fargo stating closure of deposit accounts. I have alerted Wells Fargo regarding this matter. I checked my credit report and there is no information about any new accounts created. {"issue":"Opening an account","sub_issue":"Account opened as a result of fraud"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Other (i.e. phone, health club, etc.) User complaint: Ref No. XXXX. Creditor City of XXXX, Acct No. XXXX, Principal {$690.00}. In XXXX 2013, I stopped by the local fire station to have my XXXX XXXX checked. After the test, I was instructed that they needed to take me immediately to the closest emergency room due to my XXXX XXXX XXXX. I responded that I lived down the street and I could either get my wife to drive me or that I could drive myself. The staff recommended that they take me by ambulance immediately for safety purposes. They told me that it was covered by insurance and that the normal costs were {$50.00} to {$75.00} out of pocket. Later, I received a bill in the mail indicating that I owe the City of XXXX {$690.00} for the ambulance ride because my insurance company would not pay for the ride. I immediately contacted the credit collector and he told me to file a complaint and that after they reviewed it, the City of XXXX could wright off the expense since the Fire Department misrepresented the {$690.00} out of pocket cost. {"issue":"False statements or representation","sub_issue":"Attempted to collect wrong amount"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: I do not know User complaint: I receive calls every day from XXXX along with messages stating they are calling me about a debt. I have never received a notice in the mail stating I owe money to anyone. When I researched the telephone number online I found that they call to collect a student loan. Our student loan payment comes out of our checking account religiously every month so there should be no reason for a student loan collector to be contacting me. Also, as I have already stated, I have never received any paper notice in the mail and I check my mail every day. So I believe this is a scam. {"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: ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. ( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable. ( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title. ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title. ( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. ( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title. ( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding. ( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought. ( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank. ( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. XXXX or successor orders. ( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised. ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing. ( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. ( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. ( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph. ( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system. ( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency. ( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ). ( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates. ( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies. ( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title. ( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit. ( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on January 1, 2003 ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ). ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. ( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes. ( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality. {"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 was alerted on Thursday XX/XX/XXXXthat Equifax ( hereafter reffered to as " The Company '' was the victim of a data breach which released the data of myself and over a hundred million other individuals. This data purportedly contains my name, address, credit card numbers, credit information and SSN. This data breach occured more than 30 days prior, and The Company has known about the breach since at least XXXX XXXX, according to reports. The Company did not reach out to me in any way, other than the generic press release, which seems to be negligent. I have validated on the website provided by The Company for such purposes ( XXXX XXXX XXXX ) that I am in fact a victim of the breach. However, not only am I unable to take remedial action immediately ( I was given an " enrollment date ' of XX/XX/XXXX ) but I am unable to automatically enroll upon that date, instead I am required to monitor that time myself, make note of the location to enroll, and simply hope that the process goes smoothly. Furthermore, it is evident that The Company has been unreasonably lack in their security standards. To allow this much sensitive data to be released is already uancceptable, but other security standards are lacking. It is clear that proper obfuscation ( one-way hash and salt ) was not performed, as evidenced here : XXXX XXXX XXXX To be clear, it most certainly is not industry standard to store a password in plaintext or any form of reversible encryption. As evidence of this standard, see this article on XXXX 's standards from XXXX : XXXX XXXX XXXX An excerpt from the article demonstrates this " Theres more XXXX also provides some other very worthwhile advice. All passwords must be hashed, salted and stretched, as we explain in our article How to store your users password safely. You need a salt of 32 bits or more, a keyed XXXX hash using XXXX, XXXX or XXXX, and the stretching algorithm XXXX with at least 10,000 iterations. " Finally, it is clear that for the small subset of people who were able to take immediate action to remedy this grievous leak they were coerced into an unreasonable contract. The Company 's provided fraud monitoring service ( which will presumably be what I can enroll in on XX/XX/XXXX as mentioned above, and is reportedly owned and operated by The Company ) reportedly contains wording in their Terms of Use that prohibit the users from taking legal action against The Company. This is clearly an unenforceable contract, as the majority of users ( over half of the adult US population ) are doubtless not knowledgable of their rights in this matter, and are in an unreasonable state of mind as they panic over their valuable and irreplaceable personal data being released by The Company. This contract seems like a clear act of bad faith on the company, and a feeble attempt to stymie the flow of lawsuits, both class and individual, that they will be rightfully bombarded with in due course. If The Company were truly attempting to remedy this situation, caused by their shortsightedness and carelessness, they would offer this service without such burdensome strings attached to it. {"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: XX/XX/2022 a collection was added to my account I had to knowledge of. I received phone calls from people who gave me no information so I was skeptical. Once I received notice of collection actually hitting my credit report I made payment. I was not given any warning to pay prior to going to collections. Balance was {$1900.00} and I settled for {$1000.00} within a week. I believe it is unfair to report because I was blindsided by the debt which occurred in XXXX. {"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: Credit card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: On XXXX18 I tried to utilize American Express 's Membership Rewards benefit to transfer XXXX of my Membership Rewards points earned through my American Express credit cards to my XXXX XXXX XXXX XXXX account which is linked to my American Express Membership Rewards account. I was denied the ability to make this transfer, receiving the following message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' That same day, I contacted American Express through their online chat function and asked to resolve this issue. The chat representative was only able to say that my account is being reviewed by American Express 's Membership Rewards Team and that it will take 6-8 weeks to complete the review. This is an unacceptable time frame, as the primary value of American Express Membership Rewards is that they can be transferred to miles with partner airlines for use for award ticket redemptions. In 6-8 weeks, the award ticket that I plan to book will almost certainly no longer be available. {"issue":"Other features, terms, or problems","sub_issue":"Problem with rewards from credit 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: Mortgage Sub-product: Conventional fixed mortgage User complaint: Freedom Mortgage, the company that currently holds the note on my primary residence, sent me a letter in XXXX 2016 indicating that I could refinance my primary residence for free. I took them up on the offer, and began the process. Now, more than 3 months later, they have still not finished the refinance, they continue to ask for meaningless information, and have increased the amount owed at closing to over {$2000.00}. Freedom has not done their due diligence to complete my refinance on time. In addition, they have displayed a gross lack of integrity by getting me to begin the process by offering a " free '' refinance, and then increasing the amount of cash required at closing to over two-thousand dollars. That is called a bait-and-switch scheme. They have also not adjusted the term of the new loan over these past three months, even though I have been paying my mortgage. That means they are illegally increasing the term of the loan. Their complete lack of integrity, fiscal responsibility, customer service, and due diligence thus far has been more than disappointing ; it is criminal. {"issue":"Application, originator, mortgage broker","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: Name is XXXX XXXX not XXXX XXXX in which shows on my credit report {"issue":"Incorrect information on your report","sub_issue":"Personal 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: Vehicle loan or lease Sub-product: Loan User complaint: I had an auto loan with BB & T. That is who the car dealer went through I suppose. Last month my bank ( XXXX XXXX XXXX ) wanted to take the loan as I do all of my other business with them. All the arrangements were made, received the payoff amount and the deal was done. XXXX paid off my loan with BB & T and took over my loan. I received a refund check from BB & T around XX/XX/19 for over payment of the loan in the amount of {$13.00}. Soon after that, I received the verification letter from BB & T stating that my loan was paid off. This letter was dated XX/XX/19. On XX/XX/19 BB & T took another payment of {$490.00} for my loan that was already paid off. I tried calling them but the contact numbers that they have listed are almost impossible to navigate to a real person. Spent about an hour and a half calling and trying to get through to someone. I started posting on their XXXX page what had happened and got a response from a XXXX. She had said to send an email to them ( and gave me an email address ) with all of my information. I sent it and have not heard anything from them. This is my money. I consider it theft. They took money that did not belong to them and I would expect that they would get it it reversed just as fast as if they would have made a mistake in my favor. {"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: Mortgage Sub-product: Home equity loan or line of credit User complaint: I had a home that foreclosed in 2010. I had XXXX mortgages, the XXXX being a Home Equity Line of Credit through Bank of America. The primary mortgage was reported correctly to the Credit Bureau as " Foreclosed '' while the XXXX loan was reported as " suspended '' which keeps me from being approved for a home loan now. I called Bank of America and spent over XXXX hours and talked to over XXXX people. Each person told me the same thing ; that my HELOC has been " charged off '' meaning I no longer owe them money because of the foreclosure. However, each person stated that they did not have access to or the authority to provide or produce any kind of document to prove that this account was charged off. I was referred to XXXX " specialists '' who each stated that they could help me and would fax me or call me back. I have not heard from either XXXX, they do not answer their phones, they do not return phone calls. I was hung up on several times. I was even told that it was Bank of America 's error in not reporting correctly to the Credit Bureau but they still have been unable to provide me any assistance in providing this account is settled. {"issue":"Credit decision / Underwriting","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: Wells Fargo is trying to foreclose on my home tomorrow XXXX/XXXX/XXXX based on a fraudulent decision they sent to me regarding my mortgage package. I submitted a package for a short sale because I had n't been able to get them to modify my loan. I sent that shot sale package earlier this month, on XXXX XXXX, XXXX. They had a sale date scheduled for XXXX XXXX XXXX. That is 12 business days, and 15 calendar days prior to the sale yet wells fargo is wrongly stating first they didnt receive a package then that they didnt get my package in time. I am attaching a copy of the forged decision they sent to me from my Home Preservation Specialist, XXXX XXXX. It is forged document because XXXX XXXX left Wells Fargo on XXXX XXXX, XXXX and has never since returned. She was never even an employee on XXXX XXXX, XXXX to write the letter and send me the decision so important regarding my home that they are saying that she mailed me. {"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: Great Lakes reached out to me directly via telephone Employee : XXXX XXXX XXXX to inform me that she CAN NOT in fact verify the debt I allegedly owe because the School in in question has since closed. That the school closed because of unethical business practices. Great lakes has NO proof that I attended this school, no signatures from me showing proof, and no way to verify this debt. I sent Great Lakes an Affidavit of Facts letter ( attached ) and there was no response to remedy this situation. {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Their investigation did not fix an error on your report"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Checking or savings account Sub-product: Savings account User complaint: On XXXX, I opened a " High-Yield '' savings account with Citibank by clicking through an offer provided to me in the Citibank mobile application. As shown in the attached screenshot, the rate that was advertised to me was 1.6 %. I had to call Citibank Customer Service later that day on an unrelated issue and asked them to confirm the interest rate since the online banking portal showed a rate of 0 % on the new account. They told me that they thought the rate would be 1.55 %, but that they could not be sure because the account was so new ( a few hours old ) and asked me to call back the next day to confirm. Because of the apparent discrepancy, I went back to the mobile app and took a screenshot showing that 1.6 % was being advertised. When I checked back the next day, they confirmed that the rate was not what I had been shown. After a few days of getting nowhere with their customer support, they finally opened a " request '' on my behalf on XX/XX/XXXX to investigate the issue. On XX/XX/XXXX, they responded with a letter saying " We reviewed our record 's [ sic ], as per our research interest rate is 1.40 %. We have confirmed that this was calculated correctly and no adjustments are necessary. '' So they were now saying that the rate should only have been 1.4 %, not 1.6 % or even 1.55 %! After calling the bank again and once again getting no satisfaction, I decided to open a complaint here. While I understand that interest rates can change on an account after it is opened, the banks should be required to at least START at the rate advertised when someone signs up for an account. {"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: Debt collection Sub-product: Medical debt User complaint: CRA/HIPAA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX {"issue":"Attempts to collect debt not owed","sub_issue":"Debt was result of identity theft"}

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

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: The following accounts listed below do not belong to me. I requested copies of the original signed consumer contracts documents showing proof of my signature from the credit bureaus twice and I did not receive any contracts verifying I opened these accounts. Therefore, the credit bureaus are showcasing inaccurate information. I made two attempts and all accounts were verified without my consent and original contracts received. The first written attempt was made onXX/XX/2019 and the second written attempt was made on XX/XX/2019. Listed below are the accounts : XXXX XXXX XXXX XXXX XXXXxxxx XXXX/XXXX/XXXX XXXX XXXXxxxx XXXX/ XXXXXXXX XXXX XXXX XXXXxxxx XXXX XXXX XXXX XXXXxxxx XXXX/XXXX XXXX XXXX XXXXxxxx XXXX/XXXX XXXXxxxx XXXX XXXX XXXX XXXXxxxx XXXX XXXX XXXX XXXXxxxx XXXX XXXX/XXXX XXXX XXXXxxxx XXXX/XXXX XXXX XXXX XXXX XXXX XXXXxxxx XXXX/XXXX XXXXxxxx {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: I do not know User complaint: On XXXX/XXXX/15, Enhance Recovery Company, called my Dad stating that he owed a Debt and to call XXXX and refer to No. XXXX. I immediately checked the company on the internet a found a trail of complaints associated with this company. Next I ordered XXXX credit reports of my Dad 's and XXXX are clean with no collection/no debts. This company is starting to harass an XXXX XXXX XXXX man with a XXXX XXXX. He has lived in his condo for less than a year. The previous occupant was the son of the previous owner who had financial difficulty and I believe Enhance got my Father 's phone number and now is starting to harass him. {"issue":"Cont'd attempts collect debt not owed","sub_issue":"Debt is not mine"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Money transfer, virtual currency, or money service Sub-product: Virtual currency User complaint: Recently my Binance.US account got locked due to security concern. I raised a request to get my account unlocked and received a request to submit some documents/info so that it can be unlocked I promptly submitted required documentation and after i had to do couple of follow ups to hear back. At this point ( after a week ), they requested me to submit some documents again. Now after submitting all info again, i was told it has been sent for review. It is been more than 2 weeks now and all i hear from customer service team is that back office is working on it with no timeline to when my account will be unlocked. I have an urgent need to get access to funds and i am stuck causing a lot of stress Any help is appreciated {"issue":"Money was not available when promised","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: A XXXX called from XXXX and threatened to serve me legal papers for court to my home or work. he stated to call ADR at XXXX. I have never heard or received any letter from ADR concerning a debt I owe. {"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: Debt collection Sub-product: Credit card User complaint: I was notified by regular mail XX/XX/XXXX that Portfolio Recovery associates sued me at my local court for XXXX and was awarded a default judgment on XX/XX/XXXX. The clerk of courts said it was a unpaid debt. I reviewed the court file which did n't have much information. It had a certified letter envelope that was returned to the sender with my address that was stamped not delivered. I reviewed al XXXX credit bureau reports and all XXXX listed this judgement with out any original account number or original bank or lender.Nothing documented in the court file referenced what type of debt it was or how the total amount due was calculated. The clerk said that it was drawing interest XX/XX/XXXX. XXXX XXXX XXXX states XXXX original records must be included for a debt buyer to obtain a default judgment, the original account number, original creditor, amount of original charge off, proof that debt was purchased plaintiff, the date of last payment on original acct. And proof that the consumer actually owed the debt. This judgment court file did not contain any of this or any kind of original paperwork or even copies. It contained no type of itemized charges or payments. This debt collector entered this judgment XX/XX/XXXX waiting six years to let interest build before trying to seize my personal property and take my home. This does not appear to be a fair way to collect or report a debt. It appears to be intentional, wrongful and illegal. This is not my debt. I was failed by the courts when they granted this default judgment. This Portfolio Recovery debt buyer could 've acted in a timely manner if this were a true debt. I was never issued a subpoena and I have never signed any document with this agency. I was told that this judgement can be renewed for another 7 yrs. How is this even possible. The court document number referenced pages of other consumers that were sued the same day as I was and also granted default judgments. NC has the best credit reporting laws and this happens. The better business Bureau has this agency listed. It seems that they take pride in consumer not showing up and they win the case because it appears it 's valid. Then they let the judgement sit for years only to collect right before it is due to expire. {"issue":"Taking/threatening an illegal action","sub_issue":"Threatened to sue on too old debt"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$460.00} ; XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$340.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Other personal consumer report User complaint: I recently applied to a new apartment complex and they pulled my credit. It is showing an eviction against my name. Under the collections section in all 3 credit reports. It is imperative that gets removed and cleared immediately. I never lived at the address associated with that account. This collection specifically is preventing me from moving. I was living with family during the time frame this was added to my profile. XXXX XXXX XXXX XXXX XXXX and/or 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: Payday loan debt User complaint: The company has called my job several times leaving voicemails on a shared voicemail that several of my coworkers and supervisors have access to. in at least once they mention my past due account {"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: Mortgage Sub-product: Conventional home mortgage User complaint: I applied for a mortgage refinance from same lender. I have signed up for receiving my documents via email only from the lender for my existing mortgage. Inspite of that lender sent me loan diclosure for refinace through USPS. Now, due to election USPS delivered my package to wrong address. People who received my package delivered my package to me but not before they opened it. I can not do anything since per law they claim that they have opened it by mistake. And to my surprise, New Rez doesn't even mask PII like SSN on the loan disclosure document. {"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: There are items listed on my report that do not belong to me and I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 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: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: Commonwealth financial systems is misrepresenting how old my debt is. The accounts are from XXXX and they are listing them from XXXX of XXXX . I 've tried to get them to correct this but they refuse. {"issue":"Incorrect information on your report","sub_issue":"Account information incorrect"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: Company closed credit card accounts ending in XXXX and XXXX while I am aware all companies reserve the right to make the best decision for their business these were closed as a result of returned payments that stemmed from my personal bank account having been compromised stemming from lost wallet and checkbook. The creditor was furnished with a police report and bank memo. Multiple reps including one from executive relations stated the account was being reopened allow 30 days. I have since inquired 21 times only today XXXX XX/XX/2020 did they follow up with me. They stated the account was in a fraud status as a result of returned payments that had zero to do with them and while they acknowledge miscommunications by former staff they wont reopen but theyll remove it out of the status. Im on hold for 16 minutes, Im hung up on they call back and then tell me no they wont remove the block again despite just having told me otherwise 16 minutes prior. The disconnect in service is absurd. Apparently I am now blacklisted for life for something that had zero to do with me. Important to note I still continue to make payments monthly with zero issues and pay with debit card not ach zero issues. I was told repeatedly that this would be reopened they even stated 2 weeks ago at the very least it appears at minimum one of the 2 could be reopened again neither happened. Again this has zero to do with me I have paid like clockwork since even with the account closed I did not charge it off or just stop lying like you stopped extending credit If this block is not removed and Im not able to either use these accounts again or open new accounts I will continue to exhaust every remedy available and ensure I use every platform to share my negative experiences {"issue":"Closing your account","sub_issue":"Company closed your account"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: FHA mortgage User complaint: In XX/XX/XXXX our mortgage lien was discharged in bankruptcy. Our original lien holder was XXXX XXXX XXXX XXXX XX/XX/XXXX. It was transferred to XXXX XXXX XXXX just before filing and discharge in XX/XX/XXXX XXXX. Despite the lien being discharged, possession remained in our names. We initially wanted to try and keep the property. As such, we tried to refinance through XXXX XXXX XXXX by submitting ALL required paperwork over 8 times during the next 2 years. In XX/XX/XXXX we experienced a house fire, and our insurance company declared the home a complete loss and paid {$130000.00} to rebuild. We signed the check over to XXXX XXXX XXXX, who then instructed us on processing the claim and beginning the rebuild. We complied with everything they requested and despite many attempts and well documented communication with them, they would never issue any funds to begin the process. Due to the time it has taken to resolve the matter, we now want the property out of our names so that we can move on with our lives and buy a new house. In XX/XX/XXXX XXXX XXXX XXXX sold the mortgage to Carrington Mortgage Services. The insurance funds were wired to Carrington as well. I contacted Carrington and was instructed to submit a request to their Research Dept. so they could look into the matter. The only option to do this was by regular mail, according to Carrington. To help us through this process, we obtained legal counsel and authorized the law firm to represent us in resolving the issue. An authorization was sent to them by the Attorney as well as a request to either allow us to transfer the property to them by way of a Deed-in-Lieu of foreclosure, or to have the lien deemed satisfied and released by applying the insurance funds to the account. The initial contact with Carrington was made XX/XX/XXXX. On XX/XX/XXXX -XX/XX/XXXX, all documentation they requested was submitted to them by the attorney. Each time he contacts them, they initially deny he has authorization to represent me. After 3 attempts each time, they then have told him to call back next week to check the status of the deed-in-lieu application. They have had possession of the account since XX/XX/XXXX, as well as the insurance funds. Neither Carrington nor XXXX XXXX XXXX has handled our account appropriately, and Carrington is continuing to further delay resolution by not cooperating. We were not able to purchase a home this year due to the title of this property still being in our names. It has been 6 years since our bankruptcy. {"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: Debt collection Sub-product: Credit card User complaint: NCB Management Inc. ran an ACH payment through our bank after specifically being advised to cancel the payment, and that funds were not available. Their representative assured us the payment had been cancelled as of XXXX XXXX, 2015, and they ran it anyways on XXXX XXXX, which caused our account to overdraft, and may result in fees from the bank. Our bank has been notified, and we have submitted an official fax reqeust to the company to refund the charge if the bank is unable to stop the unauthorized payment. {"issue":"False statements or representation","sub_issue":"Attempted to collect wrong amount"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying Bank of America of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however Bank of America is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud. Bank of America has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me. {"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: Debt collection Sub-product: Private student loan debt User complaint: To Whom It May Concern, 15 U.S. Code 1692F Unfair Practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. ( 7 ) Communicating with a consumer regarding a debt by post card. ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. {"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: You are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, my general good mode of living my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ), which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ). Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Haw. 1980 ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNTS FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15 USC XXXX, {$1000.00} per each violation you have incurred. XXXX XXXX Last 4 of XXXX : XXXX Copy of DL Copy of Address Copy of FTC report {"issue":"Improper use of your report","sub_issue":"Reporting company used your report improperly"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: I received an email that a charge was posted to my Fifth Third Bank Master Card credit card on XXXX XXXX. The same day I called Fifth Third Bank Customer Service Department and told them I did not make the charge, and asked them to cancel my card and issue me a new one. The card was still in my possession. The Merchant Name is XXXX XXXX XXXX XXXX XXXX in XXXX, Illinois. The Amount is {$750.00}. I opened a Dispute the same day. I was told they paid the charge as they received documentation validating the charge. The documents sent to me are not legible and when I called and asked them to read the information to me since I couldn't decipher them. I was told they couldn't do that and would send another copy, which was illegible also. I could read the Invoice # XXXX, which is odd. I asked for the dispute to be reopened. Since I could not reach anyone at XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, I contacted XXXX XXXX XXXX XXXX XXXX in XXXX, Illinois, which is 345 miles from my home, and spoke to XXXX, XXXX. She told me they had no record in the database of a charge of {$750.00} on XXXX, and could not find my name in the database so they never did business me, nor do they do any business with XXXX, which from my research looks like an ecard reader business. I spoke with her several times and she had never even received a call from Fifth Third Bank 's Dispute Department. They have now denied my claim for the third time. {"issue":"Problem with a purchase shown on your statement","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: XX/XX/XXXX M & T Bank is reporting that I paid {$2900.00} per month for an outstanding loan, and it 's keeping me from getting approved for loans or any consumer credit. XX/XX/XXXX XXXX XXXX XXXX {$2500.00} is showing revolving credit, this account was satisfied and closed out in XX/XX/XXXX it 's still being reflected on my credit report. I disputed in XX/XX/XXXX and was advised it was removed. XX/XX/XXXX XXXX XXXX account was disputed, and satisfied still being reflected on my credit report. XX/XX/XXXX M & T Bank {$1100.00} was satisfied in XX/XX/XXXX still being reflected as a negative result on my credit report. {"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 reached out to this agency in XX/XX/2021 regarding helping me to get the credit bureaus to remove the fraud alert on my credit file. I got a response from you all on XX/XX/2021 stating it was handled but still when I try to run my credit im being told there is a fraud alert on my credit. {"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: Mortgage Sub-product: Conventional home mortgage User complaint: Goldman Sachs failed to respond to CFPB complaintXXXX which Goldman Sachs raised additional questions in previous responses. NOTE : the below questions are the same questions we have already requested earlier this year which were not answered by Goldman Sachs. If Goldman Sachs answers these remaining questions honestly, we will cease and desist all complaints against Goldman Sachs. If Goldman Sachs fails to answer these questions, we will continue to file additional complaints until these questions are answered! Furthermore ; complaints against Goldman Sachs will be posted on the internet for all consumers to view which will not look good for Goldman Sachs! NOTE, failure to address complaints may be a violation of federal and state laws! First, after purchasing our Note and Deed of Trust from XXXX XXXX XXXX in XXXX XXXX ; did Goldman Sachs ever sell, transfer or Reconveyance our Note and Deed of Trust which is located in GSR Mortgage Loan trusXXXX XXXX? Second, if so, who did Goldman Sachs sell, transfer or provide a Reconveyance too? Please provide documentation! Third, please provide dates with your documentation! Please respond to our questions accurately and provide documentation so we can resolve this matter. NOTE : forwarding this complaint to the servicer, XXXX XXXX XXXX will cause additional complaints to be filed against Goldman Sachs! These complaints do in fact pertain to our note and deed of trust which reflects how the servicer has failed to act in good faith which has violated our laws. With this being said, these questions are warranted due to the fraud and bad business practices that has occurred. Thank you for your time {"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 sent in all required documents by mail to the three credit bureaus in XX/XX/2019. They have failed to respond with in the stated requirements of the fair credit reporting act section 605b. I am a victim of identity theft and in desperate need of these items being removed from my report. {"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: VIA USPS CERTIFIED MAIL # XXXX XX/XX/XXXX CARD SERVICES XXXX XXXX XXXX XXXX DE XXXX Extra Points Mastercard ... XXXX This correspondence serves as an official and final notice to XXXX in regards to the above refenced account. FACTUAL BACKGROUND TO THE MATTERS. 1. XXXX neglected and consequently failed to inform and deliver account related incoming transaction alerts or awareness to XXXX XXXX via timely mobile text messaging or any other timely communication means. 2. XXXX has not made XXXX XXXX aware of transaction submission accordingly with the Terms and Conditions and agreements, especially regarding very specific incoming charge related to fraudulent transaction submitted by XXXX XXXX XXXX, which action disabled XXXX XXXX from making constructive decision of transaction acceptance or disapproval. 3. XXXX has not exhibited any required and obligatory actions in regards to XXXX XXXX 's representation in addressed by XXXX XXXX concerns related to the specific transaction dispute with the merchant involved, XXXX XXXX XXXX. 4. XXXX exhibited far below than originally committed to and expressed less than " convenient '' and virtually absent dispute attempts on XXXX XXXX 's behalf and representation in account management. 5. XXXX exhibited negligence of commonly adapted statues and declaratory practices within regulations established in consumer representation process. 6. XXXX further exhibited lack of professional and respectful account management manners. 7. XXXX negligent performance provoked XXXX XXXX to close responsibly managed account by XXXX XXXX since XXXX. 8. XXXX inappropriately reported account related alleged charges to credit bureaus which is damaging XXXX XXXX 's credit score/history. 9. XXXX ignored XXXX XXXX 's request to discontinue any further process to already closed account related activities. 10. XXXX displayed discriminatory practices related to the owner of the account XXXX XXXX by negligence in efficient communication via customer service personnel. PLEASE TAKE NOTICE that is demanded herein that all account alleged charges, interest charges, late fees and other charges to be dismissed immediately. PLEASE TAKE FURTHER NOTICE that is also demanded herein that all account related derogatory charges to be released from the records at ALL credit reporting agencies. PLEASE TAKE FURTHER NOTICE that is also demanded herein that clerks that are not correctly vocabularied or not to well versed discontinue any further contacts with XXXX XXXX via telephone. PLEASE TAKE FURTHER NOTICE that request is made to CEASE AND DESIST all further XXXX actions impairing XXXX XXXX 's professional and personal status. {"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: Mortgage Sub-product: VA mortgage User complaint: Nationstar Mortgage was included and paid in full as part of our Chapter XXXX Bankruptcy filing, which was discharged on XXXX XXXX, 2015. They will not release the Deed of Trust and have indicated on two occasions that I still have a debt of {$17000.00} that the Trustee never paid them. All the terms of my bankruptcy were met as is evident by its discharge. In addition, per Federal Law all creditors are prohibited from attempting to collect any debt that has been discharged or was part of a Chapter XXXX filing. {"issue":"Application, originator, mortgage broker","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: XXXX XXXX XXXX XXXX XXXX is reporting a collection account on my credit report with all three bureaus that they have not been able to verify it should be in collections at all. I wrote to the credit bureaus and they responded that the account was verified. On XX/XX/XXXX, I wrote to XXXXXXXX XXXX XXXX XXXXXXXX directly and in a response letter dated XX/XX/XXXX, they sent a copy of a bill from an electric company dated XX/XX/XXXX with an amount due by XX/XX/XXXX. This does not prove in any way that the payment was not paid on time. It does not prove or show that the payment was paid late. I read on the internet the Fair Credit Reporting Act and it says that the information has to be accurate if being reported by the credit reporting companies. If I didn't get a valid verification directly from the comapny, then how can they say they did? Wouldn't the company send them what they sent me? Thank you so much! {"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"}