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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 have incorrect information on my credit report, I have listed these accounts all below. These accounts are reporting to all three credit reporting agencies. I also, have incorrect information reporting to all three credit reports in regards to my car payment. During the pandemic my car payment aloud me to skip a couple payments and advised that it wouldn't effect me negatively and then they reported I had late payments. I have tried to deal with all these issues directly with the companies and have gotten no where and this negative information is keeping me and my children from getting housing. Please see incorrect info reporting to all three credit reporting companies, these accounts do not belong to me. XXXXXXXX XXXX XXXX XXXX Account # XXXX Amount {$720.00} XXXX XXXX XXXX XXXX XXXX Amount {$450.00} XXXX XXXX XXXX Account # XXXX Amount {$240.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$230.00} this account below is my car payment and they are reporting me late during the pandemic and I was never supposed to be reported late. XXXXXXXX XXXX XXXX Account # XXXX Lates below and this was never to be reported to the credit reporting agencies, they advised it would not effect me negatively because of the pandemic. 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: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: The following accounts belong to someone else and they were fraudulently put on my credit report : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1900.00} 2. XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1000.00} Both accounts are not mine and I have disputed them with each Credit Reporting Agency ( Transunion, XXXX, and XXXX ), and also with XXXX XXXX XXXX. The accounts were fraudulently blamed on me, but belonged to someone else that rented that apartment prior to me living in it. I complained to both the XXXX XXXX company and also the Texas Consumer Commission regarding my concerns about an apartment that had been damaged and rented to me in duress. After I moved out the apartment was left in a better condition than what I rented it. I have provided attachments to support my claim against both the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX, and I am requesting that both accounts be removed from my credit reports at all Credit Bureau Agencies and Credit Reporting Agencies due to my Consumer Rights and Fair Credit Reporting Rights. {"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: On XX/XX/21, I received confirmation from US Bankruptcy Court XXXX District of PA that they DO NOT provide any type of information to credit reporting agencies. On XX/XX/21, I received confirmation from XXXX XXXX that a security freeze has been placed on my file per my request as I was recently a victim of identity theft. On XX/XX/21, I received results of dispute with Equifax in which they stated their investigation confirming a bankruptcy filing was reported to them by XXXX XXXX. I then sent a request disputing those results as inaccurate. On XX/XX/21, I received results of dispute with Equifax again in which they stated their investigation confirming a bankruptcy filing was reported to them by XXXX XXXX. I am requesting this item be deleted from my credit file with Equifax as they have violated the FCRA in falsely reporting information. See attached documents {"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: Virtual currency User complaint: Case # XXXX I created an account about a week ago. I provided multiple documents ( Drivers ID, Employment Card ) and a selfie to verify my ID. My account was then verified. Even after this process buys and deposits have been 'Disabled ' since the creation of my account. I went through the proper channels to fix these but was told that specialists would look at my case. I reported the problem a day or so after creating the account but haven't herd back. This happened to me before with a previous account that I ended up just closing after not getting a response for weeks. The date of this complaint is XX/XX/2021. {"issue":"Other transaction problem","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Checking or savings account Sub-product: Checking account User complaint: I was a customer of First Citizens bank a long time years. I am XXXX and receive a social security I am older and I get confused a lot but, my daughter helps me with my finances. We noticed since my settlement that something fishy has been happening with my funds in my checking account. One incident happened about a year ago, In XXXX I noticed my banking account money disappearing I reported it to fraudulent activity and received {$4000.00} back.Now, they recently took my whole social security check because of over withdraw and left me no way to pay my bills this happened in XXXX of XXXX. In XXXX I got a new debit card from them and gave them my new address because I moved to XXXX TN. They used the excuse they sent my bank statements to my old address which would have been forwarded to my new address through the post office so trying to make a long story short I know it was illegal for them not to send me any bank statement or notify me I was almost {$1700.00} in the negative I was traumatized I am a Retired Nurse of XXXX yrs. I have worked all my life and have never dealt with hardship like this. {"issue":"Problem caused by your funds being low","sub_issue":"Overdrafts and overdraft fees"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: I do not know User complaint: Portfolio Recovery & Associates is a violation of FDCPA sec 809b Portfolio Recovery & Associates attempts to collect a debt under the names : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Accounts can not be 100 percent validated ; this is a violation. PRA attempts to collect a debt in a state that i do not reside in ; A violation PRA does not have the right to collect any debt in my state of Florida PRA Knowingly reports fraudulent and misleading information in their attempt to validate the debt they claim i owe ; Which includes the following ; inaccurate name & address Inaccurate original creditor and amount owed ; Although a validation letter was submitted to the creditor ; the company illegally reports inaccurate information to the credit reporting agencies. All are unfair practices under federal law. {"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: XXXX XXXX, Synchrony ran my credit unknowingly which resulted in a hard inquiry on my credit report. I called the company to resolve issue, no action was taken. {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Credit card debt User complaint: I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. Account is the following : Grant Mercantile Agency Account # XXXX. Date Opened XX/XX/XXXX Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character. {"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: Mortgage Sub-product: Conventional adjustable mortgage (ARM) User complaint: I filed an initial complaint with the Consumer Financial Protection Bureau on XXXX/XXXX/2015. It took until XXXX XXXX, 2015 to obtain a response. At that point, XXXX finally gave the name of the company that they sold the mortgage. After which time, their cooperation ended. Contact was made with Dyck O'neal. Dyke O'neal provided a payoff. After which time the request for the Assignments of Mortgage were requested. As they were not recorded and in dire need to show ownership of this mortgage. Nothing was done. XXXX, XXXX XXXX ( XXXX ) XXXX x XXXX or anyone else was did not respond to the repeated requests to provide the information. A clear chain of title can not be completed without those assignments of mortgages. Without a clear chain of title the property can not be sold. XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX credit was contacted in reference to this matter on XXXX XXXX, 2015. ( XXXX ) XXXX. XXXXXXXXXXXX. I have spoken with XXXX XXXX from Dyck Oneal ( XXXX ) XXXX at e-mail XXXXXXXXXXXX. At this point he is not responding to my calls. I have reached out to everyone I possibly could in order to resolve this issue. This file started at XXXX Mortgage, then went to XXXX XXXX. At some point, it must have been sent back to XXXX Mortgage because when XXXX XXXX XXXX Acquired the assets of XXXX Mortgage, they gained possession of this loan. The Corresponding companies and account numbers are as follows : XXXX Mortgage XXXX # XXXX XXXX XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX loan number, but Foreclosure Case # XXXX {"issue":"Loan servicing, payments, escrow account","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Checking or savings account Sub-product: Checking account User complaint: Cant access past and present bank statements on Navys mobile application.Tried talking with their tech support and cant resolve the issue.Inability to access account creates a lot of anxiety because I dont know true balance. {"issue":"Managing an account","sub_issue":"Problem accessing account"}

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

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Checking or savings account Sub-product: Checking account User complaint: My federal and nj state tax refund were fraudulently sent to USAA bank and theyve wont give me any details despite telling them that this was done fradulently. My federal state refund was sent to them on XX/XX/2020 for {$12000.00} and my state refund of {$2200.00} was sent to them on XX/XX/XXXX. I have no idea if this money was sent back to the respective parties or not or who the account at USAA even belongs to or whether someone tried to open the account in my name. Its ridiculous that they wont help me at all. That is over {$15000.00} of my money that was stolen. I am a XXXX working the front lines during the covid outbreak and its already bad enough not having supplies and putting myself in danger everyday at work but now I cant even get my tax refund back! USAA is the worst and no one should ever bank with them! {"issue":"Opening an account","sub_issue":"Account opened as a result of fraud"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: An account is being reported incorrectly on my report. It is through XXXX XXXX XXXX, a Collections Agency, account number XXXX. The collection was originally through a lender called XXXX. The reference number at XXXX XXXX XXXX for this issue is XXXX. This account has been CLOSED with a PAID IN FULL status since XX/XX/2016. However, this information has been incorrectly reported by all three bureaus. XXXX XXXX XXXX and all three bureaus have been contacted about this issue multiple times, but nobody is any help. I have a correspondence from XXXX XXXX XXXX, verifying that I am correct that the account is in fact Closed and Paid in Full. But it isnt reported that way. XXXX reports the item as Open and active in collections. XXXX reports the item as a Charge Off, meaning that I still owe money for the account. Equifax still shows the account as Open in collections. This account should not be displayed as Active or Open in collections. It should be Closed. I should have zero accounts active or open in collections. It should be displayed as Paid In Full, not as a Charge Off. I am trying to refinance my mortgage and this issue is causing me undue financial stress. I do not want to have to file suit under the Fair Credit Reporting Act but its at the point I may have to. {"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: Capital One placed a dispute on my credit report without my consent. This caused a red flag in my home buying underwriting process. And I am now at risk of losing my new home. After several exhausting phone calls to customer service with no help and not being escalated to a person who has knowledge and resolution authority of the this type issue, I feel this is my only option to get an actual Case Manager that I can speak with in this matter consistently with proper follow up. I spoke with XXXX today, but however you can't have his number, or email. I asked him to give me something in writing stating I did not process this dispute on my account ending in XXXX, also listed on my report as ending in XXXX. I have been paying on this account for years, exceptionally. I even have a car note with Capital One. As a valued customer, If I disputed this account, Capital One should have called me to confirm before sending an electronic message to the three Credit Bureaus causing a major Interference in a homeownership contract. This is very serious as I am about to lose my homeownership contract. I asked Capital One for something in writing stating I did not initiate this dispute. I also asked that I receive something in writing stating this is their error. XXXX could not provide me either document so that I can move forward in the home buying process without this affecting a repull- hard pull of my credit which will cause a deduction in pts and place my loan in jeopardy. Capital One ( XXXX ) stated on a recorded line call today XX/XX/2021 @ XXXXXXXX XXXX which lasted XXXX mins and XXXX secs that XXXX XXXX XXXX and XXXX caused this error. He stated Capital did not process this dispute. I spoke with a executive at XXXX yesterday XX/XX/2021 @ XXXX XXXX mins XXXX sec on a recorded line and He stated this was initiated by the Creditor Capital One. He also stated the following : " There is only two ways to dispute. 1. The borrower calls in or places a dispute online, which he confirmed is not the case. He stated what is the case is that they received a electronic file. Capital has a direct channel with credit Bureaus and have a XXXX representative. They can electronic send in disputes. '' Which makes sense since the same exact remarks was place each bureau on my credit report. No one called in or placed the dispute online as their would be a trace of Ip addresses, etc. I've stated Capital One initiated this dispute. Capital One will not accept fault They will not offer any document in writing stating who initiated this dispute. XXXX tried to twist the outcome by trying to state people lie about disputes all the time, not saying this is the case, but. Which would be irrelevant to this situation because Capital One knows and can prove that I have paying on this account exceptionally for years, I'm the one who called the three Bureaus and told them this is my account, I never dipute. So if his comment was relevant to me, why would I dispute an account as fraud and pay on it. And keep other products with Capital One. It doesn't make sense. The Bureaus and Capital One can prove who initiated this and who is ar fault, but not without a letter or a subpoena obviously. So I am not allowed to see who initiated something on my own credit report? So the Bureaus state its Capital One error. Capital One XXXX states this is the Bureaus error. This is wrong and illegal. And I need the government to step in because I know my rights as a Consumer due to the Fair Credit Act. I have a 2 month old and a daughter in my household. This is affecting real people lives and their ability to financially support. I can lose everything I invested into this homeownership process. {"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: Medical debt User complaint: This collector is n't calling me too much, and they have not used any inappropriate language, or anything like that. In fact, they were careful with their choice of words, but were clearly attempting to make it sound like I would be taken to court over a {$90.00} medical bill. The exact voice message left today XX/XX/XXXX by " XXXX XXXX '' was this : " This message is for ___ if this is not ____ please hang up. This is XXXX XXXX calling again with the office of CRS I was just calling as a courtesy to you and I am not sure if you 're aware what 's taking place here or not. I 'm now being asked to have a case in your name reviewed for final disposition. I just wanted to make you aware of this, as a courtesy to you before that took place. At this point you do need to contact me immediately now it 's XXXX use your case number as a reference when you call which is XXXX . And again I need to speak with you immediately or you can have representation call me immediately on this as well '' I 've uploaded the voice message. When I later spoke to XXXX XXXX he knew very well that he chose his words in the voicemail carefully and pointed out that he said that I " can have '' representation. So in his head it was no threat of legal action. The use of " Disposition '' instead of " Deposition '' is obvious that they are doing what they can to make this seem like they are not wording this as a threat - but they are. {"issue":"Communication tactics","sub_issue":"Used obscene, profane, or other abusive language"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: I got charged {$140.00} from a collection agency called XXXX XXXX XXXX that Ive never heard of on XX/XX/2022. {"issue":"Problem with a purchase shown on your statement","sub_issue":"Card was charged for something you did not purchase with the card"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Medical debt User complaint: I HAVE CONTACTED AND DISPUTED THIS COLLECTION WITH THIS COMPANY AND THE CREDIT BUREAUS MANY TIMES. THEY KEEP VALIDATING IS AS MINE FOR A HOSPITAL BILL XXXX XXXX THAT I KNOW NOTHING ABOUT. FURTHERMORE I HAVE HAD FULL MEDICAL COVERAGE FOR MANY YEARS AND WOULDNT BE ASKED TO PAY OUT OF POCKET FOR THIS. THE DEBT KEEP BEING SOLD TO NEW COMPANIES AND WHEN I CALL THEY VERY RUDE, INTRUSIVE AND ABUSIVE TELLING ME ITS MY DEBT AND GIVING ME LITTLE TO NO INFORMATION. I AM FED UP WITH THEYRE CONSTANT CALLS AS WELL {"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 card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: My complaint is solely with Bank of America ( BofA ) card services. I requested a credit increase on my BofA credit card. The BofA computer rejected it and gave written reasons supposedly derived from the XXXX credit report. However, I got my XXXX credit report which **proved the BofA written reasons were totally false. ** Further, when discussing the rejection reasons with XXXX, their representative confirmed the BofA reasons were false. BofA writes " Serious Delinquency. '' Yet, the XXXX report and the XXXX representative see NO DELINQUENCY OF ANY KIND ON ANY OPEN ACCOUNT, and similarly no late payments on any open account. BofA writes " Proportion of loan balances to loan amounts too high. '' Yet, the XXXX report nor the XXXX representative sees no such condition. I pay my cards off each month, and most of my charge cards have a {$0.00} balance or close to it. BofA writes " Too few accounts currently paid as agreed. '' Yet, the XXXX representative sees no such data. THERE IS NOT ONE SINGLE ACCOUNT THAT FITS THIS BofA 'REASON. ' I provided this information and complete supporting data **in writing** to BofA but they did not address any of these lies contained in their rejection letter. Their complacency in handling this valid complaint with supporting documentation suggests BofA is doing this intentionally. {"issue":"Getting a credit card","sub_issue":"Application denied"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: Under 15 usc 1681. XXXX XXXX # XXXX has violated my rights {"issue":"Improper use of your report","sub_issue":"Credit inquiries on your report that you don't recognize"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Other debt User complaint: The company responded via CFPB portal and stated they have nothing to do with this debt that is reporting on my credit report. Please remove account XXXX XXXX {$2200.00} from report.Documentation of response from company attached. {"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 card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: My Citi Card Thank You accounts were shut down without any warning or notice on XX/XX/2020. With the card being shut down, over 1 Million Thank you Points immediately " vanished ''. I was told by a Thank You Points representative that I would have 60 days to transfer out these points I feel that Citi was deceptive in their advertising practices by allowing me to earn all of these Thank You points, and then closing my account without any notice, thus giving me no opportunity to redeem my points.In addition, I was compiling these points in order to take my family on a vacation soon. I have also been told by representatives it was smart to save up all of these points rather than use them immediately. Taking these away is an unacceptable and unethical business practice that is unfathomable during a pandemic and during the holiday season. {"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: Credit card or prepaid card Sub-product: Store credit card User complaint: Synchrony Bank for Lowes did not send paper statement for XXXX. Called 3 times to try to correct and requested paper statement but did not receive. Made on line payment, received 2 emails stating payment received, then received phone message to call them. Spoke to 3 people who insisted payment was NSF but the problem was it was not posted to the correct account. Unable to find a person to let me finish a sentence to correct this. Have perfect credit, made a payment when one was not due and now being harassed about it. {"issue":"Problem when making payments","sub_issue":"You never received your bill or did not know a payment was due"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. 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: not my ADDRESS and accounts, names FCRA violations XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual SANTANDER CONSUMER USA Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. XXXX {$2500.00} Closed 15 potentially negative months Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$2500.00} {$2000.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$790.00} Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 60 90 120 120 CO CO - - - - - - XXXX 30 30 60 90 120 120 30 XXXX 30 30 XXXX XXXX XXXX XXXX - - - - On Time CO Charge off 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Is everything correct? If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. Dispute this account XXXX XXXX {$510.00} Closed 19 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$510.00} {$500.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$170.00} Highest balance $ XX/XX/XXXXMonthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO CO CO CO - - - - - XXXX 30 60 90 120 120 CO CO CO CO CO - CO XXXX - 30 XXXX XXXX XXXX XXXX XXXX - - - - - - - On Time CO Charge off 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account closed at credit grantors request Your statements - Contact XXXX XXXX XXXX XXXX XXXX, SD XXXX By Mail Only Is everything correct? If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. Dispute this account XXXX XXXX XXXX {$6100.00} Closed 47 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$6100.00} {$5600.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$6100.00} Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO CO CO - - - - - - XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO - CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX 30 30 60 90 - - CO CO XXXX - - - On Time CO Charge off 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX, MO XXXX By Mail Only Is everything correct? If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. Dispute this account XXXX XXXX XXXX {$7000.00} Closed 49 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$7000.00} {$6500.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$7000.00} Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO CO CO - - - - - - XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO - CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX 30 60 30 60 90 - - CO CO CO XXXX - On Time CO Charge off 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX, MO XXXX By Mail Only Is everything correct? If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. Dispute this account XXXX-XXXX XXXX {$610.00} Closed 6 potentially negative months {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: Store credit card User complaint: On my XXXX statement I noticed An interest charge of {$1000.00} After checking and trying to make A payment is when I noticed this charge Called and was told my promotion ended And they added the interest without informing me My promotion was 12 months same as cash then interest on the balance going forward I was told by the gentleman I spoke with He didnt care what I was told at the beginning this is how its done He did give me a week to pay off my account This is not what I agreed to I agreed to 12 months same as cash Please help if you can {"issue":"Fees or interest","sub_issue":"Charged too much interest"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: On XX/XX/2020 I received two letters from Bank of America stating that the disputed amounts of {$290.00} and {$390.00} were temporarily credited to my credit card. Before that, I called the bank to notify them that I tried to enroll in a sort of Trading Course which was supposed to be a free trial for 30 days provided by XXXX XXXX XXXX, however, I have noticed charges I have not authorized and immediately tried to reach them by calling, email them and, even on their XXXX account but I have no luck neither they reached or replied back to me. Then, my account was closed, and suddenly I see the charges again, tried to get in touch with the bank but never was got in contact with the department or unit responsible for the dispute. Lately I check my credit report and noticed I was flagged as delinquent for 30 days of no payments. {"issue":"Problem with a purchase shown on your statement","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I initially opened a secured credit card with a {$600.00} credit limit with XXXX XXXX. After having the account open for a few years, I noticed that my account had been closed. The final few months of 2018 reflected that of inaccurate information received by XXXX XXXX. As a result, there continue to be a total of XXXX " charge off '' statuses for each month from Experian. I have requested documentation showing fees, etc but have failed to receive any documentation and my attempts to resolve this have been unsuccessful. The {$600.00} security deposit that I placed for this secured credit card was also not applied to any balance that I essentially had upon account closure. The total balance of {$1600.00} from XXXX XXXX which Experian reflects as a charge off has several inaccuracies that reflect on my credit file as a result of fees, other non disclosed terms & conditions as well as accured charges that were not disclosed in the initial cardholder agreement. Experian has allowed XXXX XXXX to report this account as a regular credit card. This was a secured credit card and it does not state that on my Experian file. The terms of this alone require Experian to remove this from my file in it's entirety due to inaccurate reporting. {"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: XXXX XXXX has inaccurately reported to XXXX, Equifax , and XXXX Credit agencies that I had a late credit card payment XX/XX/2016. This is not accurate. After speaking with XXXX XXXX on multiple occasion they informed me on those multiple occasions that I do not have any late payments. When I contacted XXXX they have informed me they have sent multiple off-cycle updates to the XXXX XXXX Agencies to update the inaccurate information. This has not occurred as the same late payment is still on my credit reports. I have disputed the late payments multiple times and nothing on the reports has changed. Either XXXX XXXX is not responding to the disputes or the Credit Reporting Agencies are not truly investigating and providing the same inaccurate information when they receive the disputes. All said the issue is not resolved and its been 3 months since the initial dispute was filed and XXXX along with the Credit Agencies have been contacted about the issue. I do not want to have to resort to legal means to get the issue resolved but will if it is not handled immediately. This is black and white, I did not have a late payment in XX/XX/XXXX yet it is being reported as late. This is a complete violation of the Fair Credit Reporting Act which is a violation of the law. This issue needs to be resolved ASAP. I had attached a chat that I had with a XXXX Representative that confirms my statement. {"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: Debt collection Sub-product: Medical debt User complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.XX/XX/XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXXXX/XX/XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX, ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. CREDIT AGENCIES AGREE TO WAIT BEFORE ADDING MEDICAL DEBT TO RATINGS XXXX XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX Account # XXXX At this time I make the claim that the medical debt procured against me on any or all credit reporting agencies, should be deleted permanently. Too many consumers have learned the hard way that their credit rating can be tarnished by medical bills they may not owe or when disputes delay insurer payment. That should change under new policy agreed to this week by the three major credit reporting agencies. The agencies say they will establish a 180-day waiting period before medical debt is added to someones credit report. In addition, the agencies agreed that when an insurer pays a bill, the debt will be promptly removed from the consumers credit report, unlike certain debts that remain for years. The changes are part of a settlement between the credit rating agencies XXXX, XXXX and XXXX and the New York Attorney Generals office that aims to improve accuracy and enhance procedures for disputing credit report errors. The agreement covers consumers across the country. The three agencies gather information from banks and collection agencies about consumers credit such as payment history and how much someone owes to credit score for more than 200 million individuals throughout the country. A persons credit score is used as a measure of credit worthiness, and can influence peoples ability to get loans and the interest rates they are charged, among other things. This is going to help millions of people access more affordable loans, says XXXX XXXX, a principal at XX/XX/XXXXXXXX in XXXX XXXX, Mass. People will no longer be penalized for having a medical bill slip past them and get on their credit report even though the bill gets paid. Insurers sometimes wrangle with patients and providers for months before paying a bill. The new six-month waiting period will give consumers time to resolve such disputes, XXXX noted. Medical debt accounts for more that half of the collection items on credit reports, according to a report by the Consumer Financial Protection Bureau. Among people facing collection for only medical debt, about half have otherwise clean credit reports with no sign of past debt collection problems. On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX {"issue":"Written notification about debt","sub_issue":"Didn't receive enough information to verify debt"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Payday loan Sub-product: Not Available User complaint: The Federal Gov. in XXXX convicted XXXX XXXX with payday loans.I have a payday loan. Never knew charged over 134 % payback on $ XXXX.Taking it out of my bank.If you miss a payment charged $ 180.00.Names are QC Financial/Payday, Quick Cash, and XXXX of XXXX XXXX XXXX XXXX XXXX KS. XXXX.All was done over a phone.13 month loan.is XXXX.I never had no idea about this, XXXX 2015 they take XXXX out of my bank.I need help.They threatened me ... {"issue":"Charged fees or interest I didn't expect","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 attempted to obtain my annual free credit report from Experian online and received the message shown on the attachment. I replied to the message by mail including a request for the report and information as to why I could n't get my report online. I am attaching a copy of the credit report.com reply whichI find completely uninformative. {"issue":"Unable to get your credit report or credit score","sub_issue":"Problem getting your free annual credit 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: Please note that this is not a duplicate complaint. This is regarding a different issue Bread Savings bank repeatedly keeps putting my bank account in " restricted status '' without informing me. They also keep making snide, rude and borderline XXXX comments when asked about this. When I first opened this account in middle of last year, as soon as I transferred my savings here they put my account on a hold status and started demanding all sorts of documents. Even after giving them ample proof of my identity, it took weeks to get the access restored as they couldn't get the simple fact non Citizen US residents can also legally open bank accounts and that not every one needs a drivers license. They have deleted all those chats form the secure message but I specifically remember this woman who called me and told me that it is suspicious that I have so much in savings. Another comment they made recently to me by XXXX, XXXX of their XXXX reps, was that my account looked suspicious because I had XXXX linked accounts even though I told them that their website allows that and I am willing to provide proof of ownership for each one of them. Long story short, I logged into my account today and they have again put my account into restricted status without informing me in any way. I am attaching a proof with a timestamp. I wanted to do an ACH transfer from another account but I am worried that Bread Savings might block it or reject it, so effectively they have blocked me from accessing my savings. The worst part is that they don't even bother to inform the customers and I have been a customer with them for more than a year and have kept substantial savings in my bank account. {"issue":"Managing an account","sub_issue":"Deposits and withdrawals"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Prepaid card Sub-product: General purpose card User complaint: My direct deposit still is not going through on my account. Same issue last week. I can not pay my bills and this is the second time within ten days I have trouble accesing my money. Customer service keeps hanging up the phone on me. {"issue":"Adding money","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 do not have balances on none of my accounts, nor am I delinquent on such accounts. I have written letters to them and the credit bureaus with no resolution. 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. - [ x ] XXXX Account # XXXX, has violated my rights. - [ x ] XXXX XXXXXXXX Account # XXXX, has violated my rights. - [ x XXXX XXXX XXXX Account # XXXX, has violated my rights. - [ x ] XXXX Account # XXXX, has violated my rights. - [ x ] XXXX Account # XXXX, has violated my rights. - [ x ] XXXX XXXX XXXX Account # XXXX, has violated my rights. - [ x ] XXXX XXXX Account # XXXX, has violated my rights. - [ x ] XXXX Account # XXXX, has violated my rights. - [ x ] XXXXXXXX XXXX Account # XXXX, has violated my rights. - [ x ] XXXXXXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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":"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 had a XXXX XXXX XXXX Account. I paid it off to XXXX XXXX XX/XX/2020 and got a letter on XX/XX/2020 stating that it was paid in full. I put in a dispute to make sure that it was taken off of my credit report and it was. Then XX/XX/XXXX, it went back on my credit report, and my credit score dropped nearly 50 points. I paid it in full and thanks to XXXX alerts, I knew that something was wrong. I called both XXXX XXXX and Midland Credit. XXXX XXXX said that maybe it was not reported too Midland. I called again and then they said that they don't report to the credit bureaus etc. I also called Midland credit and they said that they needed information from XXXX XXXX. My sending a letter to them was not good enough. I called XXXX XXXX again and left a message with a manager. I got no call back. I called Midland Credit and they finally put me in with a guy who makes the reporting and he said that it would take 7 days. Then I get an alert that it was again reported by Midland Credit. and then I see that my second dispute was resolved and that it was verified as correct when it is not correct. I just did a 3rd dispute and submitted documentation to experian. Well, they did not verify it because I paid it in full to XXXX XXXX XXXX XXXX I contacted Midland Credit back in XXXX and also several times since XX/XX/XXXX. They keep putting the amount and my score has dropped nearly 50 points as a result of this insanity. Now the amount is a dollar higher than before. This is total insanity. No one wants to take responsibility for this and I paid off all of my debt in full without taking a deal. I paid it in full. {"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: Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, and holder. This is my 4th complaint to Experian for their violations. I have enclosed the following documents ( Identification Card Proof of Identity, Experian Report ) ( See attachments ) Under15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates You are in direct violation of 15 U.S.Code 1666b, 15 U.S. Code 1637 for the following account XXXX XXXX XXXX XXXX ( 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: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: XXXX XXXX failed to send me in writing why I still have a balance on a closed lease contract. The lease was paid in full for the 3 year term and turned by in on time! I have talked to several reps to no avail. They put incorrect information on my credit report which caused my score to drop. I never received any letters saying what the charges were for? Also 3 years later it slapped on my credit report because the debt was sold. This is so wrong and unfair. {"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 XX/XX/2016, PDQ Services, INC added a derogatory credit report per XXXX. Upon, further research, this account was transferred/sold and am I no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, PDQ Services , INC has violated my rights as a consumer, and I am requesting legal action to remove this account immediately. {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: Conventional fixed mortgage User complaint: I have a Chase mortgage for this property on my credit report which needs to be removed or satisfied as I am no longer liable for it. I made a settlement with Chase in XXXX 2015 in which Chase waives all claims against me and any deficiency judgment against me. I am attaching the stipulation of settlement and my attorney letter to Chase explaining the settlement as proof. I am being penalized for being a victim of financial abuse. Chase has not resolved this issue yet. Time is of the essence. I am homeless with sole custody of XXXX children and need to buy a home. I can not get a personal loan, mortgage or lease with this mortgage still on my credit report. My credit card account from XXXX was also closed. I can not support my children with this erroneous bad credit. Please help me and my children. {"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 card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: The auto payment set up system has deficiency which induce to interest rates charges unfairly. The online/cell phone App Bank of America auto payment provides FOUR options : Amount Due, Minimum Amount Due, Account balance and Fixed Amount. If Amount Due was chosen, the system will default the Minimum Amount for auto payment charges WITHOUT ALERT. Users may consider the selected amount due as the TOTAL amount due at payment date. However, by end of next statement date, interest rates will be automatically charged because of positive balance due. Per my past 10 years credit history, I have no part due statement ever. And, I have the financial capability to make the full amount due. But due to the deficiency of Bank of America auto payment, I was unfairly charges interest rate fees and my credit scores were negatively impacted. All other banks such XXXX, XXXX or XXXX, if Amount Due was chosen for auto payment, system will either force users to select the amount of auto payment or default to the total amount due at payment date. In this way, users will be altered to specify a amount of auto payment, to avoid interest rate charges. {"issue":"Problem when making payments","sub_issue":"Problem during payment process"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. 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 contacted Equifax with regards to an unknown collection account # XXXX reporting on my credit file. This company is unknown to me and this debt do not belong to me. I have informed Equifax that I had been a victim of identity them and they continue to ignore my request to remove this account from my credit file. I need your assistance in getting this matter resolved once and for all. {"issue":"Incorrect information on credit report","sub_issue":"Information is not mine"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: At the end of XXXX, I called XXXX. My name is XXXX XXXX. They have me linked to someone else named XXXX XXXX. I just opened my own bank account and am XXXX years old, but there are hard inquiries I've never made linked to my credit report under XXXX XXXX. {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Credit card debt User complaint: Resurgent Capital Services, is sending me a lot of letters saying that I owe them for debt that was paid. They sent me a 22 year old bill stating that I owe them for an account that I never opened, and they are trying to collect money from me on an account that I asked them to validate and they refused to send me the information, but they are still reporting negative information on my credit report. {"issue":"Attempts to collect debt not owed","sub_issue":"Debt was paid"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 Sub-product: Not Available User complaint: I was at a casino, I left my bag behind and went back to get it and it was there, but my wallet was gone. Please investigate this right away. I am a victim of Identity Theft {"issue":"Incorrect information on credit report","sub_issue":"Information is not mine"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 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: Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help. {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Checking or savings account Sub-product: Checking account User complaint: A XXXX XXXX XXXX XXXX by XXXX XXXX XXXX. XXXX CA., had my debt card on file. My reservation was made and confirmed by the hotel manager. I was on a business trip for a job opportunity. After the reservation was made, an employee called my stay room three days into the reservation claiming that they foregot to run my card to reserve and different employees different shifts tried to continue to take money out of my account, in amounts that were not the authorized amount for my stay. more than 30 different transactions amounts all different amounts on different transactions tried to be accessed on my account. Now my account is in a over -drawn state for more than 21 days. In the amount of XXXX credit was given by the bank twice the amount and left me {$900.00} and then the credit was restricted put me back in the negative. Now the account is still over drawn by {$960.00} I have a lot of details to provide about this case. I want the bank audited as well as the company. To find the missing money. {"issue":"Problem with a lender or other company charging your account","sub_issue":"Money was taken from your account on the wrong day or for the 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: Store credit card User complaint: I am being charged by Best Buy for a service that I did not request or approved. I made a purchase a service was provided for three months for free and then I had to cancel if I did not want to continue the service. I should not be charged for a service that I did not approve. I should not have to call to cancel a free service that was provided. The company is stealing money from me. This service should not be tied to a product unless authorized by the party who will have to make payments. These charges happened on XX/XX/2022, {$10.00}, XX/XX/2022, {$10.00}, XX/XX/2022, {$10.00}, XX/XX/2022, {$10.00}. This is not the first time that they have did this and refuse to refund the dollar amounts. They should not be adding a service to products otherwise people can go to other places to make the same purchase. {"issue":"Problem with a purchase shown on your statement","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: Store credit card User complaint: Wayfair Comenity Bank offers promotional financing with 0 percent interest for 12 months. I recently made a payment to satisfy the outstanding balance on one of these offers in addition to my regular monthly payment. When i looked at my account in the new billing cycle, the payment was not posted to my account and instead was applied to my other revolving balance. When I contacted Comenity, I was informed that the payment had been applied to my highest apr balance, and therefore not to my promotional balance. The account summary on the website is as follows : Promotional Plans Plan 406 - 2 6 MONTHS DEFERRED INTEREST, PAYMENT REQUIRED Remaining Balance {$220.00} Expiration Date XX/XX/2020 To avoid additional finance charges, make sure to pay each promotional plans remaining balance before its expiration date. I made the {$220.00} payment to the account in addition to my regular monthly payment per my statement. The {$220.00} was not applied to this balance. It was applied to my outstanding balance at the highest apr. How misleading. When i called the representative said she would have to make sure that our minimum payments had been met before she could move the balance I asked if I made a payment toward the next plan if it would apply when i also made the minimum payment. She said she was unsure and that i would have to call after the billing cycle to see how it was applied. Her best recommendation was to look at my credit card agreement. Other similar accounts at XXXX XXXX are handled fairly. This seems like a highly deceptive practice. Basically, the bank is counting on you not paying any attention. I also reviewed my latest billing statement. It also has lots of details on the promotional plan and many disclosures, however, no mention of this payment disbursement practice. Thank you, XXXX XXXX XXXX : I have include {"issue":"Other features, terms, or problems","sub_issue":"Other 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: Payday loan Sub-product: Not Available User complaint: NCP financed a XXXX loan to a person of no association that used my savings account information with not authorizing loan with me. NCP debited my savings account for the loan unauthorized. I am getting no resolution of the problem. I have filed report with my sheriff department who is actively investigating the report. I am not the borrower or any association of the person who received the XXXX loan. {"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: Mortgage Sub-product: Conventional home mortgage User complaint: BSI services a mortgage that holds liens 4 of my properties. They collect escrow payments for property taxes and insurance on those properties. Taxes were dues on XX/XX/2022 on three properties and those have not been paid as of XX/XX/2022. I have contacted BSI no less that 6 times one the last 8 weeks to resolve. Payments are due for XXXX XXXX XXXX XXXX VA, XXXX XXXX XXXX # XXXX XXXX VA, XXXX XXXX XXXX XXXX VA {"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: Payday loan debt User complaint: This company has been calling me about a debt that does not belong to me. I have no business or dealings with XXXX XXXX. I ignored the calls and eventually blocked their number. Today I received an email about an unauthorized, fraudulent E-Check drawn on my account from WESTHILL EXCHANGE LLC. I never gave them authorization to debt any of my account. I never received any formal written notification of the debt or before the transaction was attempted. I demand this transaction be canceled. {"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: Debt collection Sub-product: I do not know User complaint: On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX filed a Property - Residential Eviction lawsuit against XXXX XXXX. This case was filed in XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX located in XXXX, Texas. The case status is Disposed - Other Disposed. Docket Entries XX/XX/XXXXXXXX DocketService Return XX/XX/XXXX FinancialPayment Information : Amount : {$130.00} ; Payment Type : XXXX XXXX ( Remote ) ; Transaction Type : Remote Payments ; Receipt Description : Remote Payments ; Payor Name : XXXX XXXX XXXXXXXX XXXX XXXX Read More XX/XX/XXXX XXXX of Possession XX/XX/XXXX DocketEviction-Writ of Possession-Efile XX/XX/XXXX DocketOther Documents Not Listed - Efile XX/XX/XXXX HearingDescription : Eviction Docket XX/XX/XXXX HearingHearing : Eviction Docket ; Hearing Result/Cancellation : Default Judgment XX/XX/XXXX JudgementJudgment : Parties For : XXXX XXXX XXXX XXXX XXXX ; Parties Against XXXX XXXX XXXX XXXX ; Post-Judgment Interest : 5.0000 % ; Judgment Amount : {$620.00} Read Less XX/XX/XXXX DispositionDisposition : Default Judgment ( OCA ) XX/XX/XXXX DocketOrder-Default Judgment XX/XX/XXXX DocketEviction-Notice of Default Judgment XXXX XX/XX/XXXX DocketDefault Judgment XX/XX/XXXX DocketAnswer Filed XX/XX/XXXX DocketService Return XX/XX/XXXX FinancialPayment Information : Amount : {$120.00} ; Payment Type : Check ; Transaction Type : Payment ; Receipt Description : Payment ; Payor Name : XXXX XXXX XXXX XXXX XXXX Read Less XX/XX/XXXX DocketOriginal Petition Filed XX/XX/XXXX XXXX XXXX XXXX Filed XX/XX/XXXX DocketEviction-Citation Possession and Back Rent XX/XX/XXXX DocketEviction Citation The collection agency IQ Data is trying to say I owe them {$4400.00} I done disputed this off my credit report numerous times and they are still reporting the information below when the eviction was filed in XXXX XXXX Court on XX/XX/XXXX the judgment was ruled in XXXX XXXX XXXX favor for the amount of back rent of XXXX plus XXXX percent which the final judgment was XXXX and the judgment date was XX/XX/XXXX not in XXXX and I dont owe XXXX this is causing my credit score to drop and having an impact on my everyday life because I cant get approved for anything with the wrong date and wrong information. The information above this paragraph is from the court document its self and the information below is from XXXX XXXX IQ DATA INTERNATIONAL IN Last reported XX/XX/XXXX {$4400.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX TX {"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 reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2700.00} {"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: Debt collection Sub-product: Auto debt User complaint: Ally has violated my Federally Protected Consumer rights under the FDCPA and TILA. ALLY FINANCIAL is a debt collector pursuant to 15 usc 1692a ( 6 ). Any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debt. ALLY FINANCIAL is in violation of 15 usc 1692c ( a ). A debt collector may not communicate with a consumer in connection with the collection of any debt. ALLY FINANCIAL is in violation of 15 usc 1692b ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. ALLY FINANCIAL is in violation of 15 usc 1692b ( 5 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. ALLY FINANCIAL is in violation of 15 usc 1692d ( 2 ). A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person with the collection of a debt. The use of obscene of profane language or the natural consequence of which is to abuse the hearer or reader. ALLY FINANCIAL is in violation of 15 usc 1692c ( a ) ( 1 ). A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. ALLY FINANCIAL is in violation of 15 usc 1692e ( 8 ). Communicating or threating to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ALLY FINANCIAL is in violation of 15 usc 1635 ( a ) in the case of ANY consumer credit transaction in which security interest is obtained, the obligor shall have the right to rescind the transaction until XXXX of the third business day following delivery of rescission forms required under this section. {"issue":"Took or threatened to take negative or legal action","sub_issue":"Seized or attempted to seize your property"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Student loan Sub-product: Federal student loan servicing User complaint: The income based repayment program I am on, according to the Navient website has me paying {$500.00} a month. I make $ XXXX a year, with a child. When I first applied for the income based repayment plan, my payment amount was {$0.00}. There is no way I can afford to pay anywhere near $ XXXX a month. Now I am in default and have no clue what to do. {"issue":"Can't repay my loan","sub_issue":"Can't decrease my monthly payments"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXXXXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$200.00} {"issue":"Problem with a credit reporting company's investigation into an existing problem","sub_issue":"Their investigation did not fix an error on your report"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Credit card debt User complaint: Sending legal documents falsifying an out dated/time to respond to. {"issue":"False statements or representation","sub_issue":"Told you not to respond to a lawsuit they filed against you"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. 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: Since XXXX XXXX I have been contacting Equifax to update my personal information. Today I pulled my report and see that all of the incorrect information that was removed from my credit report was put back on my report. In XXXX XXXX fraudulent accounts were opened under my credit information, XXXX of the accounts was opened with XXXX XXXX XXXX with a reporting address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX XXXX XXXX determined this account to be fraudulent and removed the information from my report. However Equifax keeps the address on file regardless of the number of letters, police reports, and phone calls. Inquiries, XXXX in total, that were removed by Equifax as of today XXXX XXXX, XXXX have been added back to my credit profile. Collection accounts that were removed by the company were also added back to the 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: Checking or savings account Sub-product: Checking account User complaint: My issue is with XXXX that since XXXX I have requested my records and noted verified that yes the account/ debtvdoes belong to me. However, my dispute is with XXXX that it as been 5 years as of XX/XX/XXXX that that you are still reporting Bank of America that was last reported XX/XX/XXXX. My question and complaint is why is it that XXXX not remove this record that is past the statue and if I'm not able to not send an explanation? {"issue":"Closing an account","sub_issue":"Can't close 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: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$910.00} ; CXXXX XXXXXXXX ( Original Creditor : XXXX LXXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022. {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: Conventional home mortgage User complaint: My escrow bills ( tax and insurance ) in 2018 will be going up by XXXX total for the year. However, my loan just transferred servicing and somehow they say I need to pay XXXX per month more. Also, it is suspicious my loan just transferred last XXXX and they said the escrow balance was only {$4.00}. I think XXXX, the prior servicing company, maybe did n't pass the escrow fund to the new servicer Amerinat. Amerinat claims they sent me a letter showing me the calculations however I never got it. {"issue":"Trouble during payment process","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: Store credit card User complaint: I tried to pay off my credit card with XXXX by comenity bank in XX/XX/XXXX. There are a series of issues that are causing consumers issues, including myself. The account in question was closed when XXXX stopped doing business with Comenity ( they reported all the accounts as closed and I was notified by the credit bureau that this resulted in a large hit to my fico ). This closure was not in regard to the status off account, but by Wayfair and Commenity 's decision to no longer work together actively. After a series of poor service, I decided to take a loan out to pay off the card since it was creating a burden on my credit. When I logged into the portal there was no option to create a payoff amount. Upon clicking on the generate payoff amount it ways " Payment Option Not Available ... .Please select a different payment option to proceed. '' The only o there options are to " minimum payment '' " statement balance '' or " current balance '', so I paid the largest one in an attempt to pay my account in full on XX/XX/XXXX for almost {$1000.00}. Later I was notified via XXXX that the account was delinquent because interest was applied on XXXX/XXXX/XXXX of approximately {$6.00}. I was shocked as I had paid the account off. I logged in and saw that there was a small balance generated by interest for that month plus a late fee on the approximately {$6.00} and again a random interest charge of almost {$6.00} for XXXX. Unwilling to risk any further issues to my credit, I paid it quickly. I was again prevented with generating a payoff but was instructed to make the other same payment options. Again, I paid the largest balance of approximately {$14.00}. I also sent a message to Wayfair and complained. They responded back saying there was an interest rate increase for that period and that the charge was valid. They did not address the payoff issue, whereby they are not allowing customers left behind when they stopped working so hard together ( Wayfair and Comenity Bank ) and are making it extremely difficult to make a payoff for poor service to consumers. I just logged in today and see a XXXX XXXX charge assessed at XX/XX/XXXX and I made a XXXX XXXX payment. Again I was unable to generate a payoff quote. I wondered why I am not being notified by them? No phone call no email no mail. I saw that I was changed to paperless but I did not elect for that. Additionally, again, no way to know what I owe or how to remove it. At this point, this is extremely predatory-unfair, abusive and deceptive business practices. I hope that someone will look at their practices around the credit reporting XXXX blanket reporting closed when they stopped the credit card program through XXXX ) and this extremely poor payoff option via the customer portal as well as their poor response to consumers when they alert there is an issue.I am certain I am not the only one impacted by these issues. I would also like that money returned to me for any interest charged for them not allowing me to know how to pay off the loan or to resolve the issue. My original payment amount in May should have been more than sufficient to pay-off the account if their portal was not deceptively and abusively preventing me from submitting the payment. I want to make sure that any record of this issue is updated in my file to reflect that my attempt was to pay off the account. I want you to look at having them fix these issues that could be harming them as well. {"issue":"Fees or interest","sub_issue":"Unexpected increase in interest rate"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Mortgage Sub-product: Conventional home mortgage User complaint: My loan servicer ( bank ) has not paid the second installment of my XXXX property taxes to my county. My taxes have been sold in a county Tax Sale. Those taxes are under a Property Identification Number ( PIN ), before the property was divided into two (? ) or more parcels. The XXXX property taxes are under a different, new PIN. The bank was given the old PIN in XXXX of XXXX by me via an email. The bank was given the new PIN in XXXX of XXXX by ne via an email. The XXXX email enclosed for the bank the county Tax Sale Redemption, Delinquent Inquiry form, as well as the amounts ( taxes, interest, penalties ) due ; as well as my attorneys name, address, telephone number and fee. The email also included my loan number. A check of the banks computerized records, no property taxes have ever been paid by the bank. No action or response from the bank has been received. The bank will not allow me to speak to anyone in the banks Tax Department ; I can only telephone bank customer service representatives. No one from the bank will get back to me regarding this matter. The bank needs to pay the property taxes, interest, and penalties to the county ; as well as pay my attorneys fees. {"issue":"Trouble during payment process","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: To whom it may concern on XX/XX/2021 I provided XXXX XXXX, EQUIFAX with a letter that was sent certified asking them to correct my personal information to match my name and address listed on my goverment issued identification. There are still incorrect personal information being reported. {"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: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: On XX/XX/2022 I filed a CFPB complaint on Equifax Information Services LLC advising Equifax of the uninformed use consumer made when I entered an agreement with the following XXXX Bank, XXXX XXXX, XXXX XXXX, XXXX XXXX. The companies failed to clearly and conspicuously the credit terms. Nor did the companies provided me an adequate notices. On XX/XX/2022, I received in the mailed a letter dated XX/XX/2022 stating that my proof identity does not match the information we currently have on your credit file. I am submitting w-2 from my employer and a billing statement from XXXX. I am submitting here all the information that is being requested by Equifax Information Services LLC. {"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 have filed Several complaints against this company XXXX XXXX XXXX they were located in Texas with no phone number and now south Carolina i have tried to call them with no success I have never owned a account with them, they keep putting on my reports as a opened account with a newly closed date of XX/XX/2020 this has negatively affected my credit making it go down yet again every time 75 to 90 points they did this around XXXX as well this is ridiculous that a company or collection agency can fradulently do this this is illegal please remove this from my account as this is incorrect information i have never had a world finance account. if it was a old collection account they bought they are still illegally reporting that it had been open in good standing and closed both times in XXXX and now XXXX with is a illegal refreshing of my account which now is two incidents this is unacceptable {"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: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I recently reviewed my XXXX credit report and noticed Inquiries which I did not give authorization. The inquiries in question are as follows : XXXX bank credit cards. XXXX date XX/XX/XXXX XXXX bank credit card. Inquiry date XX/XX/XXXX Cap One NA bank credit card Inquiry date XX/XX/XXXX XXXX XXXX XXXX bank credit card. Inquiry dare XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX credit card. XXXX date XX/XX/XXXX XXXX bank credit card. XXXX date XX/XX/XXXX XXXX XXXX XXXX reseller. XXXX date XX/XX/XXXX XXXX Mortgage reporters. Inquiry date XX/XX/XXXX I have reached out to the companies who pulled my credit report as well as XXXX to resolve this act of FRAUD, but to this date I have had no resolution from either party. I want these FRAUDULENT, unauthorized inquiries to be deleted from my XXXX credit report. They are damaging both my credit rating as well as my fear of being a victim of Identity theft. {"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: Mortgage Sub-product: Other type of mortgage User complaint: I was behind on payments, off and on since XXXX . Had been caught up towards the end of last year when I lost a job - ended up not being paid for 3 weeks work, which adding to taking a couple weeks to find a job, meant 5-6 weeks with no income. During that time my father fell ill ( and eventually passed ) and my wife and I moved in to their home to take care of Dad while he was with us and Mom for the future ( she 's in a XXXX ). None of that re ally matters, I fell behind obviuosly on the payments and was trying to sell the home. Not getting any decent offers, I came one day to get some of our furniture to find a letter FROM the mortgage company taped to the front door - offering a " {$500.00} Relocation Assistance Payment ''. Terms of the deal were, we had to be out of the home by XXXX , it had to be " broomswept condition '', and we had to leave fixtures/landscaping in place. We called to accept and were told that the check would be issued " within 5 business days of home inspection ''. Home inspection happened some time the following we ek, they claimed " personal property '' was visible through windows and they " did not enter the home '', however, the front door deadbolt was unlocked when we surrendered home, and was locked when we went back - we had left a key on the counter as instructed - the ONLY way that could have been locked was either, someone entered the home and locked it from inside and left by the back door, or they went inside to get the key and left by the front door and locked it with the key. There were no personal possessions there. We had left a fire extinguisher in the kitchen on purpose and accidentally a small trash ca n in the bedroom clo set which we removed. Called back, was told that as of XXXX all was satisfied, power was still on though - they actually had asked me to leave power ON, which I understood, do n't want pipes freezing and all. So they wanted it off, I got it turned off the next day, and XXXX said check would now be issued. I called the following week, XXXX again said the check would be issued that week, he 'd find out when and call me. Each day he said he 'd find out and call me tomorrow, each tomorrow I 'd call again and get the same story. Last week he finally transferred me to the Remarketing Department, saying they were responsible. Remarketing Department said XXXX 's department had to request the check. Promised me they had gone over the process with XXXX and it would be done Monday. XXXX said I should call her Monday XXXX XXXX / XXXX / XXXX XXXX to confirm it was all done so check could be printed overnight and mailed Tuesday. I called XXXX back Monday afternoon and she said there was a problem and XXXX would call to explain wit hin an hour. Two hours go by, I call back and ask for XXXX , who now informs me " the check wo n't be sent until the home is removed, cleaned up, sold, and if we make enough profit we will then send you {$500.00} ''. I told him that was not a condition of their offer, which I have in writing. Removal of the home is not even a condition. The final condition was turning over the keys which I did on XXXX / XXXX / XXXX . He refused to transfer me to his supervisor, so I called back for the next 2 hours until I got XXXX , who claimed to be a supervisor, and confirmed everything XXXX had told me and told me he did n't care what I thought that 's how it 's going to be - so I told him you do NOT have my permission to remove the home! We were promised a {$500.00} payment for leaving - not for waiting for some third party company to move a house and sell it and XXXX knows if they 'll sell it for enough to profit. This is absurd. The point of the {$500 .00} Relocation Assista nce Payment was to get me out and save them money so they did n't have to deal with foreclosure - and I accepted because that would have benefitted everyone, me by having some help with finances and avoiding foreclosure, and them by not having to spend tons of money on lawyers and court fees for foreclosure! I am not letting them have this house unless they pay me the {$500.00} that THEY OFFERED ME! {"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: Checking or savings account Sub-product: Savings account User complaint: Dear Sir : I am a customer at the HSBC Bank at XXXX XXXX XXXX, XXXX New York XXXX and am opposed ti the closing of this branch This branch has been in existence in this area for over twenty years. This is the only HSBC Bank in XXXX that has free parking space for it customers unlike the bank in XXXX XXXX, XXXX XXXX XXXX that has a municipal parking lot or the bank at XXXX XXXX XXXX or XXXX XXXX XXXX ( branch is closing ) that only has street parking and the time that is wasted in trying to obtain parking and the fear of a parking ticket if your transactions in the bank are longer then the time on your meter. The other banks that are totally inconvenient to the customers in this area are in XXXX, not in XXXX at XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on the east side of XXXX. The branches listed above are a radius of four to six miles away from the HSBC located at XXXX XXXX XXXX. By car it is at least a 15 minute ride and by public transportation at least an hour. This is an inconvenience to loyal customers who have banked there for years because of the close proxcimity of the bank and their drive-in window for those customers who may have a XXXX or need for quick banking without leaving their car. Another factor is this is the only branch in XXXX that has a drive-in window and people come from all over because of its convenience. It also provides a banking facility for city workers in the areas and people who shop here and do their banking while they shop. The closing of the HSBC Bank at XXXX XXXX XXXX XXXX will cause a hardship to many of us who have banked in this area and have been loyal customers who do not wish to be inconvenienced or find other banks for our money after so many years of banking in this branch. The staff in this bank have always shown professional courtesy and consideration to me in making sure that all of my banking transactions have been met and I would surely miss this attention. Yours truly, {"issue":"Closing an account","sub_issue":"Company closed your account"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions. 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. An 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: Store credit card User complaint: I paid off my account at the end of XX/XX/2022. I noticed my credit report still lists a large balance for the past several months. I've asked the company, XXXX XXXX to update it and they have refused saying they are going through a system update and are not updating to the credit bureaus at this time. {"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 prepaid card User complaint: On XX/XX/2018 I purchased a XXXX Gift Card from a local supermarket. I loaded it with {$200.00} and paid the {$5.00} fee required to purchase the card. I was careful and made sure the cardboard packaging which held the physical card was in no way opened. When I checked out at the supermarket it was the first time the package was opened exposing the barcode and 19 digit proxy number. I went home and placed the gift card in a box and placed it under the XXXX tree as a gift for my wife. A few days after XXXX my wife tried to make a number of purchases with the card and her attempts were denied. The card is issued by XXXX and distributed and serviced by Blackhawk Network California , Inc.I tried calling the phone number on the back of the card but it was impossible to speak with an agent. Only when I tried report the card lost or stolen, which it wasn't, was I able to speak to a live person. It appears that while the card was sitting under my XXXX tree, the day after it was purchased on the XX/XX/XXXX, it was used at a XXXX XXXX XXXX for the amount of {$200.00}. This effectively brought the card balance to XXXX. There was no way anyone could have gotten the card information before or during the purchase process. I have to therefore deduce the card info came from XXXX 's computers during or after the activation process. I've filed a claim about the fraudulent purchase but they say it could take 90 days to resolve with no guarantee of a refund. {"issue":"Problem with a purchase or transfer","sub_issue":"Charged for a purchase or transfer you did not make with the card"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inaccurate information and unauthorized inquiries in my personal file : XXXX Inquiry Date XX/XX/2021 XXXX Inquiry Date XX/XX/2021 XXXX, XXXX, XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions {"issue":"Improper use of your report","sub_issue":"Reporting company used your report improperly"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Payday loan, title loan, or personal loan Sub-product: Title loan User complaint: I took out the loan XXXX XXXX 2022. My car was repossessed on XXXX XXXX 2022. My fiance grabbed the wrong title and sent it off by mistake, they tried calling me two times I guess to make me aware of this but I work in a rehabilitation center where we can not take our phones due to confidentiality they never left a message they never called my references they never called my job they just came and took my car. I have talked to a supervisor 's I have talked to the title department or talk to the repossession department they want me to pay {$500.00} just to get my car back I feel like this was taken on false also when I called to go ahead and pay the {$500.00} through my bank account they told me that XXXX payments were not accepted on the website and on my contract that I signed it clearly states that XXXX payments are accepted {"issue":"Vehicle was repossessed or sold the vehicle","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I AM VICTIM OF AN IDENTITY THEFT, THE XXXX XXXX XXXX ACCOUNT IS FRAUDULENT AND NOT MINE, THE CHARGES AND THE LATE NEGATIVE REPORTING IS ALSO FRAUDULENT AND NOT MINE. PLEASE UNDERSTAND MY REQUEST AND REMOVE THIS FRAUDULENT ITEM FROM MY CREDIT RPEORT, PROFILE. {"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: On XXXX, we entered the XXXX XXXX ( XXXX ) store in XXXX, AK. We were under strict time constraints, as we needed to return to our cruise ship to set sail. XXXX 's staff and the store manager engaged in very aggressive sales tactics to pressure us into agreeing to the purchase of a ladies " XXXX XXXX XXXX '' diamond ring. XXXX 's store manager represented to us that the ring was worth {$70000.00}, but he could " let us have it '' for {$53000.00}. When we expressed reluctance, XXXX 's staff and store manager pressured us to make the purchase and thrust documents in front of us and directed us to sign. Given our time constraints, and the extreme pressure we were under from XXXX staff, we did so. We were not given any time whatsoever to read the sale documents, XXXX staff did not encourage us to do so, and we were not advised to review, and so we were unaware of, the fine print on the back of the document. XXXX staff did not disclose to us any XXXX return policy, did not show us or refer us to any place where we could read/review any return policy, and did not give us any opportunity to ask questions. The ONLY thing XXXX staff said to us about any XXXX return policy was the store manager 's comment to us that, " if 20 people do not compliment you on this ring today, bring it back to me! '' The transaction left us very unsettled and upon our return home, we consulted with a reputable jeweler in XXXX XXXX, SD who stated they would sell a ring such as this at far less than what we paid. We decided to return the ring, cancel the sale, and have the {$5000.00} down payment we put on a credit card refunded. We did exactly what we thought would be proper under these circumstances by returning the ring to XXXX 's XXXX store along with a letter requesting cancellation of the sale and a reversal of the charge to our credit card, all via insured U.S. Mail on XXXX. Ultimately, the package containing the ring and our letter was returned to us unopened and marked refused. In response, we obtained a formal appraisal from XXXX 's XXXX in XXXX XXXX, who appraised the ring at {$40000.00} full retail price ( XXXX 's indicated they would actually sell such a ring for {$32000.00} ). We sent copies of this appraisal and the letters to our credit card issuer, XXXX, and after their investigation, they agreed we had been defrauded by XXXX and reversed the charge on our credit card. We sent multiple letters to XXXX and to the XXXX-branded credit card issuer on our accounts, XXXX XXXX XXXX of XXXX, OH ( XXXX ), setting forth these facts and including a copy of the appraisal, but XXXX 's and XXXX 's responses merely claimed that we had failed to follow their return policy ( which they failed to disclose and prevented us from reviewing at the time of sale ) and/or claimed they would not accept returns due to buyer 's remorse, failing on every occasion to address our claims of fraud. For over a year now, we have sought to rescind this transaction due to XXXX 's fraud and offered to return the ring to XXXX 's address of choice at our expense. XXXX and XXXX have failed and refused to do so. In early XX/XX/XXXX, we became aware that XXXX and XXXX had begun to file false delinquency notices against both of us with the three major credit reporting agencies, without referencing in any way our dispute with the transaction on the basis of fraud, despite having full knowledge of our claims of fraud against them. In response, on XX/XX/XXXX, we sent letters via Certified U.S. Mail, return receipt requested, to both XXXX and XXXX objecting to these false, inaccurate, misleading, and illegal filings. We again reiterated to XXXX and XXXX our claims of fraud and the specific facts and circumstances pertaining thereto and issued our demand to XXXX and XXXX to cease filing negative reports against our credit files and to withdraw their earlier delinquency filings. We received return receipts confirming that both XXXX and XXXX received our letter, but both XXXX and XXXX failed to respond to us in any way and ignored our demands to cease filing negative reports and to remove the negative reports they had filed against us. In fact, XXXX and XXXX have continued to file false negative delinquency reports against us on a monthly basis, all without any effort whatsoever to disclose our objection to the debt on the basis of fraud. We deem these filings to be in bad faith, malicious, and designed to try to bully us to pay them. Moreover, the actions of XXXX and XXXX clearly violate the Fair Debt Collection Practices Act, specifically 15 U.S.C. Sec. 1692e ( 8 ), which prohibits a debt collector from using any " false, deceptive, or misleading representation or means in connection with the collection of any debt, '' including specifically, " communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. '' ( emphasis added ) In addition, we have filed multiple claims with all three credit reporting agencies disputing XXXX and XXXX 's false delinquency reports against us and asking that said reports be removed from our credit files, but their responses have been wholly inadequate and they continue to unjustly and unfairly lower our credit scores as a result, even despite having notice of our claims of fraud. More recently, in response to the appraisal we submitted earlier, XXXX has asserted a requirement that any appraisal must be from an independent appraiser who is certified to appraise " XXXX XXXX XXXX '' diamonds. We conducted an exhaustive search and located XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX of XXXX, TX, who is certified to conduct appraisals of XXXX XXXX XXXX diamonds. We presented the subject ring to him for a physical examination and appraisal. On XX/XX/XXXX, Mr. XXXX submitted his report appraising the subject ring at {$10000.00}, a price which is {$60000.00} less than the amount represented to us by XXXX, and {$43000.00} less than XXXX 's " discounted '' price. We have found evidence online of MANY similar customer complaints against XXXX and strongly believe that what has happened to us is consistent with XXXX 's regular tactics. We seek only to have this transaction rescinded and the negative delinquency reports removed from both of our credit reports. In exchange, we will return the ring, which has at all times remained unused and securely stored in a safe, to XXXX at the address of their choosing. Respectfully submitted, XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX {"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: Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; On XX/XX/XXXX, XXXX XXXX sent me a letter confirming this inaccurate and unfair account being reported on my consumer would be removed within four to six weeks ( See Attached Document ). However, XXXX, XXXX and Transunion are still reporting this item on my report. I DEMAND XXXX XXXX to uphold their actions to remove this account from my consumer report as they expressed they would on XX/XX/XXXX. This is NOT a validation request so do not send any validation, if you do I will TAKE LEGAL ACTION AGAINST YOUR COMPANY under the FDCPA for false and misleading representation 15 USC 1692e. I will take legal action under the FDCPA 15 USC 1692k ( a ) ( 1 ) ( A ) {$1000.00} US and I only need to show one violation to establish a FDCPA claim. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Civil No. XXXX ( EEB ) ( D.Conn. XXXX XXXX, XXXX ) ; XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX XXXX gave no value to any security and have no attachment and enforceability of a secured interest in accordance with UCC XXXX XXXX XXXX b ) ; XXXX XXXX have no original contract or promissory note ; FOR THE RECORD, Summary of accounts are not a valid claim to defame my character, if I am denied credit or employment based on third parties misleading representation and defaming negligence will be a cause of action. See United States XXXX XXXX XXXX, XXXX XXXX, Case No. XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX. XXXX XXXX have committed several federal violations against me, a private law abiding Federally Protected XXXX. Each violation is a statutory cost of {$1000.00} each, which does not include mv personal cost and fees which I determined for taking time to address these issues. Violations committed against me include but not limited to : Violated 15 USC 1692c ( a ) : Communication Without prior consent, expressed permission Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to XXXX XXXX. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe XXXX XXXX a debt ) Violated 15 USC 1692e ; Using false, deceptive or misleading representations Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation Violated 15 USC 1692e ( 8 ) ; Communicating false information Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) Violated 15 USC 1692f ; Unfair Practices attempting to collect alleged debt. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. Violated 15 USC 1692g ( a ) ( 4 ) Certiable Validation and Verication of alleged debt ( XXXX ) Violated XXXX XXXX XXXX ( a, b ) ; Furnishing certain deceptive forms. ( XXXX XXXX are not a party in the alleged debt ) IDENTITY THIEF ; obtaining personal identication information without prior consent and creating an account in my name without my knowledge. Invasion or Individual and Family Privacy. SOCIAL SECURITY FRAUD A Social Security Number ( SSN ) is used by employers and employees for the purpose of reporting individual employee earnings for tax purposes only. XXXX XXXX, you DO NOT have my CONSENT to use my social security number for commercial gain acting as XXXX of my services, you are committing fraud and Identity theft and I will contact the ofce of Inspector General XXXX and XXXX XXXX report with the federal authorities. I demand XXXX XXXX provide the following documents immediately if you continue to use the ction name for your entitys personal commercial gain then ; Send a copy of XXXX XXXX Commercial Bond and Oaths to do business in the State of CALIFORNIA ; provide name and address and phone number of the Underwriter of XXXX XXXX bonds ; provide name, address, and phone numbers of the owner ( XXXX ) of XXXX XXXX ; Provide name, address and phone number of XXXX XXXX XXXX XXXX. Furthermore, reporting false and misleading report to the XXXX major credit bureaus and will constitute a violation of the FCRA Responsibilities of furnishers of information to consumer reporting agencies under 15 U.S. Code 1681s2 ( B ) ( i ) ( ii ) Reporting information after notice and conrmation of errors. Any more harassment from this company will be considered criminal extortion in accordance with 18 U.S. Code 875 ( d ) Extortion. Congress DOES NOT dene loan, but it does dene credit. So what is credit a loan? When the credit law used to dene credit does not dene loan. Reference Case Law - Pacic Concrete F.C.U v. XXXX. - XXXX ruled, stating that a copy of a consumer credit contract is not evidence of debt. It is evidence that credit was extended. XXXX XXXX took my credit and acquired a loan. That is identity theft! The credit application was not a loan application. My credit extension was in connection to a loan, it does not mean I got a loan. The credit agreement signed is not evidence of debt. I came for credit and XXXX XXXX tricked me into leaving with a debt that was never mine to begin with. XXXX XXXX then unfairly without my written or oral consent, started furnishing information on my consumer report with no authority to do so. XXXX XXXX sold my private and personal information to third party companies ( XXXX ; XXXX ; Transunion which are only an elaborate mechanisms ) for monetary fees as described in 15 USC 1681a ( d ) ( 3 ) ( f ) What is a consumer report? Congress tells us in 15 USC 1681a - The expression consumer report encompasses all forms of written, oral, or other modes of communication from a consumer reporting agency that shed light on a consumer 's credit standing, nancial stability, credit capacity, reputation, personal characteristics, or way of life. The purpose of this information is to aid in the determination of the consumer 's eligibility for credit or other services. The moment XXXX XXXX furnished a report on my consumer report, they fell under the denition of a consumer reporting agency. Anyone talking about me is a consumer report. You're defaming my character. Since a consumer report can be oral, I am speaking for myself on my own behalf, I am assuming that vital role as a creditor and I am telling you I do not owe or acquired any debt by XXXX XXXX, I acquired an extension of my credit. 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions- A report that consists exclusively of information regarding a consumer 's interactions and experiences with the entity providing the report, which means that you XXXX XXXX can not furnish such information about my experiences with you, including any alleged credit extension, that may be in connection to a loan, to a debt you XXXX XXXX acquired. 15 USC 1681a ( 2 ) ( b ) Exclusions- Any express or implied permission for a particular loan or credit granted directly or indirectly by the issuer of a credit card or similar device. Well, what is a credit card? Congress tells us in 15 USC 1602 ( L ) that a credit card is any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. So, another example of a credit card is my social security number. With all these violations listed and fraud found I may start the administrative process. However, I will give you XXXX XXXX the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. 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: Credit reporting Sub-product: Not Available User complaint: There is a medical collection debt on my credit from a XXXX XXXX that does not belong to me. I have disputed with all XXXX credit bureaus and still no resolution. Debt needs to be deleted from my report as it does not belong to me. {"issue":"Incorrect information on credit report","sub_issue":"Information is not mine"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Consumer Loan Sub-product: Installment loan User complaint: Onemain financial, previously Citifinancial charges a ridiculous interest rate. I borrowed XXXX and I am expected to pay back over XXXX. Shark lending is a crime but why is this company allowed to get away with this? Then they harass you when you ca n't pay. {"issue":"Problems when you are unable to pay","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Credit card debt User complaint: I entered a consumer credit transaction with XXXX XXXX and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that XXXX XXXX claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. XXXX XXXX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. {"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: In XXXX of 2018 I submitted a letter to Experian about unauthorized inquiries on my credit report, they sent a letter back saying these inquiries were VERIFIED. I would like to know how they verified this information, because I didn't give anyone permission to pull my credit {"issue":"Incorrect information on your report","sub_issue":"Information belongs to someone else"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit card or prepaid card Sub-product: General-purpose credit card or charge card User complaint: I hav e the Citibank Double c ash back credit card. From XXXX XXXX , there were unauthized charges to my account. I disputed the charges on or about XXXX XXXX . I was told I was not going to be charged for these amounts. On or around XXXX XXXX , I was credited approxim ately 1/4th o f the fraud charges. On XXXX XXXX , my automatic bill pay took a large sum from my bank account, which included {$1400.00} in fraud charges. Citibank will not release this money back to my bank account until they " do a full investigation which could take 2 billing cycl es. '' I want my money back immediately. I 'm prejudiced by not having this money. {"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: Mortgage Sub-product: Conventional home mortgage User complaint: I had previously worked with Loan Depot earlier in the year to refinance my property. In the end I decided to hold off on doing the refi due to the pandemic & economy. On XX/XX/2020 I decided to get quotes again to start the refinance process. Their website prompted me to submit an application and asked me a number of questions about the property as well as other PII data including a section to enter my banking credentials to pull my bank account balance information. Upon completion, I got an email saying that someone would be reaching out. On Monday XXXX/XXXX/2020, I received a call and the agent inquired about the number of floors in my condo 's building. When I told the agent it was a high-rise, I was informed that Loan Depot does not provide refinancing services for high-rise buildings. They made me provide my PII, pulled my credit report as well as my XXXX XXXX account balance info only decline my application due to the buildings height, even though I had answered a question about height of the building during the application process. If they no longer provide refi services for high-rise buildings then the application process shouldve immediately halted before pulling my credit and collecting my personal information. After ending the call with the initial agent, I contacted customer service and spoke to a CS agent and was told that there is nothing they can do. If I want to erase the credit report pull, I need to call the credit bureaus on my own and dispute it myself. {"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: Checking or savings account Sub-product: Checking account User complaint: I opened up a dispute for {$2700.00} for a XXXX XXXX XXXX charge. I signed up for commercial auto insurance through this company and had problems from the initial sign-up. Navy Federal asked me for a copy of the correspondence with the company and any additional correspondence showing they did not fulfill their side of the obligations. I uploaded those documents on time through their portal. Navy Federal never called me for additional verification or with any questions, they just canceled out the temp credit, and now my account is negative for {$2700.00}. I have contacted Navy Federal, and I am not getting many answers. {"issue":"Managing an account","sub_issue":"Banking errors"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Medical debt User complaint: I was seen at the hospital for a vehicle accident that was causing XXXX-pain issues and XXXX/XXXX XXXX. Doctor never gave me a XXXX-check, or even examined me, just offered me pain pills and discharged me. Still have pain to this day because of the accident but could never afford a lawyer to fight it in court. {"issue":"Written notification about debt","sub_issue":"Didn't receive notice of right to dispute"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: From XX/XX/XXXX until XX/XX/XXXX we lived in XXXX XXXX Apartments in XXXX XXXX, Texas and we signed a 6 month lease that was set to expire XX/XX/XXXX. Upon 3 days after our move-in we noticed that our building had a roach infestation and we asked them to take care of the matter. The apartment allegedly scheduled for an exterminator to come spray our unit for the roaches. However every time the exterminator came the problem worsened and we were told it was part of the process. We endured this problem every day of our lease as roaches were coming out of appliances, crackes/crevices in the wall, outside, etc. and we demanded that they fix the issue immediately. The roaches were not only a health hazard but the chemicals that they exterminator would use for their " roach clean out '' made it difficult for my wife to breathe whenever she was in the unit. Failure for them to repair the issue left us no choice but to end the lease in XX/XX/XXXXand Texas law states that landlords have a responsibility to ensure their property does not affect a residents health or safety. After all of the certified mail and emails we sent them they did not fix our issue and the day before we moved our apartment flooded in both of the bedrooms of our apartment and they did not fix it. Now they have hired XXXX XXXX XXXX to collect an amount that we do not owe and we went to court and a take nothing judgment was granted. They have been reporting negative information on our credit reports for the past 8 months and they are going against a judge 's judgement and it is making it borderline impossible to rent another home.From XX/XX/XXXX until XX/XX/XXXX we lived in XXXX XXXX Apartments in XXXX XXXX, Texas and we signed a 6 month lease that was set to expire XX/XX/XXXX. Upon 3 days after our move-in we noticed that our building had a roach infestation and we asked them to take care of the matter. The apartment allegedly scheduled for an exterminator to come spray our unit for the roaches. However every time the exterminator came the problem worsened and we were told it was part of the process. We endured this problem every day of our lease as roaches were coming out of appliances, crackes/crevices in the wall, outside, etc. and we demanded that they fix the issue immediately. The roaches were not only a health hazard but the chemicals that they exterminator would use for their " roach clean out '' made it difficult for my wife to breathe whenever she was in the unit. Failure for them to repair the issue left us no choice but to end the lease in XX/XX/XXXX and Texas law states that landlords have a responsibility to ensure their property does not affect a residents health or safety. After all of the certified mail and emails we sent them they did not fix our issue and the day before we moved our apartment flooded in both of the bedrooms of our apartment and they did not fix it. Now they have hired XXXX XXXX XXXX to collect an amount that we do not owe and we went to court and a take nothing judgment was granted. They have been reporting negative information on our credit reports for the past 8 months and they are going against a judge 's judgement and it is making it borderline impossible to rent another home. {"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: Payday loan, title loan, or personal loan Sub-product: Payday loan User complaint: X/XX/2017 I received an installment loan from CashNetUSA. Upon signing the contract, I did not realize the interest rate was 256 %. Also of my payments of {$270.00} a month only {$56.00} went towards the principal. I feel like I was frauded and the application of the interest was misrepresented. {"issue":"Charged fees or interest you didn't expect","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: Select Portfolio Servicing Inc is my mortgage company ( this is the XXXX owner of my mortgage in about three years. Two years ago I received help from the federal government through a HOPE grant to avoid loosing my home to foreclosure. They paid my previous mortgage company {$17.00}, XXXX to bring my account out of foreclosure and I was able to resume paying my mortgage after resolving my financial issue. Since this time that SPS purchased my mortgage they are reporting to the credit agencies that I owe them this amount in my payoff amount. I understand by getting this HOPE grant that if I do not keep the home, ( sell it, or loose it ) I will be responsible to repay this grant amount of XXXX if I do n't keep the home for ten years from the grant date, about two years ago. Here is my issue .... SPS received the amount of XXXX ( or at least the companie that owned my mortgage then did ) and I do n't think it 's fair for SPS to calculate my interest on the total amount still owed plus the grant amount daily, and montly and for SPS to report that I owe a debt of the additional amount of the grant money they received of XXXX. This is a loan I got from the federal government and I will owe the federal government if I loose or sell my home within the ten year guideline. SPS is using this amount to charge me additional interest and fees when they received this money, it is an unfair charging system that will never allow me to pay off this loan. SPS has also created a Escrow account that was not part of my original loan agreement and I feel illegal to attach to my mortage and create a extreme amount monthly to force me into foreclosure through extra charges not agreed to in my original loan agreement with the original mortgage company.. see attached documentation. {"issue":"Loan servicing, payments, escrow account","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Payday loan, title loan, or personal loan Sub-product: Payday loan User complaint: I was going through a hardship and had some unexpected expenses. In order to make my vehicle payment, I took out a {$400.00} pay day loan back in XX/XX/XXXX. I have been paying {$68.00} a week ever since. I called on XX/XX/XXXX in order to determine how much money I had left to pay of this loan. They informed me I still owed {$450.00}. If I wanted to pay off the loan it would cost me {$500.00}. To my surprise the have not applied any funds to the amount that I have borrowed. I have paid this company aprox. {$810.00}. I asked according to their calculations when would my loan be paid off they told me oh not until some time next year. This is a complete scam. {"issue":"Charged fees or interest you didn't expect","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: A new collection for {$400.00} for XXXX XXXX ( also called XXXX XXXX ) appeared on my credit report ( collection date XX/XX/2016 ). I called Aldous Associates ( claims to be a legal firm ) and they were not able to share any information about this debt or account information. I called XXXX and they have no record of this debt. I never received any notification from XXXX or XXXX or Aldous Associates ( Collection agency ). I suspect this may be a fraud. I am refinancing my mortgage and this is affecting my approval and interest rates. Please help! {"issue":"Written notification about debt","sub_issue":"Notification didn't disclose it was an attempt to collect a 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: In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: I have tried to contact XXXX Experian and XXXX XXXX regarding old car loans that are eight years old and over and another one thats almost 6 years old almost 7 that are no longer open with credit acceptance. None of these agencies have bothered to close the accounts I have contacted them multiple times as well. Consequently I can not do anything and my credit score is abysmal. {"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: Credit card Sub-product: Not Available User complaint: I use XXXX for credit card processing services. They separately contract materials such as the credit card terminal leases, etc., through the company First Data Global Leasing. Despite owning a terminal ( purchased in XXXX 2015 ) and upgraded for chip capability, First Data called stating I needed to lease yet another terminal. I trusted this and complied - signed a lease for the new terminal. About 2 months later, a rep for XXXX called and stated all was incorrect and after much wrangling with First Data managed to get the lease cancelled. She stated 'this happens all the time ' and that communication between the XXXX companies is 'not ideal '. However, the pymts made for the 'new ' terminal have not been refunded to me. I can not get through their phone system - always put on hold due to 'unusually high call volume. ' {"issue":"Customer service / Customer relations","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: Please see the XXXX prior complaints. They simply copied and pasted the reports and did not do any research. I asked for a thorough investigation and proof and they didnt provide that. This has caused me sleepless nights and stress and I feel like Im not being listened to i have XXXX negative accounts on my report that have not been validated. You need information and need to know who the credit bureaus spoke to i ask for this and they did not provide me anything {"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: Car Hop Loan. I had to return the vehicle I was making payments on because it was a lemon. It was in the shop with repairs 2 out of the 3 months I had it. So i returned it and was paid up on my payments. I was not offered another vehicle or any compensation for not having any transportation. I was not told I owed anything. I did not recieve any further communications from them at all. Now I am seeing a public record of a settlement on my credit report. {"issue":"Incorrect information on your report","sub_issue":"Account status incorrect"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Credit reporting, credit repair services, or other personal consumer reports Sub-product: Credit reporting User complaint: I filed for Bankruptcy in XX/XX/XXXX. XXXX XXXX XXXX also known as XXXX XXXX XXXX ( account # XXXX ) was included in the bankruptcy. I currently have an auto loan and credit card with XXXX XXXX. XXXX XXXX provides a credit monitoring service ( XXXX XXXX ) to it's members. On XX/XX/XXXX, XXXX XXXX informed me that my credit score was XXXX. Early XX/XX/XXXX, I received an alert from XXXX XXXX informing me that my credit score had dropped by 11 points. I immediately purchased membership to XXXX ( $ XXXX/mo ), XXXX ( $ XXXX/mo ) and TranUnion ( $ XXXX/mo ) in order to investigate and dispute the matter. I found that XXXX XXXX XXXX also known as XXXX XXXX ( account # XXXX ) had reported payment status to all three credit bureaus which caused my credit score to plunge. I filed a dispute with all three credit bureaus. The results came back the same, XXXX XXXX XXXX also known as XXXX XXXX XXXX ( account # XXXX ) confirmed that this account was part of the bankruptcy and that they should not be reporting on this account. However, to date ( XX/XX/XXXX ), my credit score still has not recovered. XXXX at the time XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. XXXX at the time XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. TransUnion at the time XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. Today, as I prepared my evidence to upload, I noticed that the last date that XXXX reported to XXXX was XX/XX/XXXX. XXXX is still reporting and ruining my life. The current XXXX report does not reveal the last date reported. TransUnion 's website is having technical difficulties so I was unable to retrieve a current report. My credit is damaged. I can't apply for many of the credit card offers that I have received since XX/XX/XXXX. I would like to change my residence. I would like to rent a single family home, but I would not qualify for the rental of a house, in an area of my liking, with this damaged credit. I dont know where to begin to attempt to figure out how high my credit score would be if XXXX had not committed this error. All I know is the XXXX has caused me and my credit status grave damages and this must be rectified immediately if not sooner. {"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: Mortgage Sub-product: Conventional home mortgage User complaint: I am truly delighted to share my valued customer service experience with PennyMac Loan Services to any and all potential clients/customers/victims. I am inclined to believe that PennyMac must be the clone or recent descendant of the flawed XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX. The lack of live voice communication is overwhelming the initial mortgage loan application began on Wednesday, XX/XX/2021, with a chattery, enthusiastic loan officer. Who ended our conversation with the acceptance of my money for an appraisal fee and the salutations of a used car salesman, never to be heard from again ghosted. Twelve days later ( XXXX ) I had an appraisal ; 4 days later ( XXXX ) I received the official report/results of the appraisal. There had to be another XXXX takeover of PennyMacs communication system, cause I still have not heard a whimper from the loan officer or his compatriots. To finally put my mind at ease and solidify my confidence in PennyMac, my emailed messages have gone unanswered and my initiated phone call was vague at best. My loan officer did not remember me; denied receiving any emails and promised to call me back the following day with an update. Needless to say, I sit by the phone with bated-breath, awaiting that long overdue phone call. My long-suffering contempt for PennyMac is justified for the following reasons : 1. I have been a loyal, well-standing customer for the past 4 years. 2. I have never missed a payment nor have I been late for a payment. 3. The equity in my home exceeds {$120000.00} 4. My XXXX/credit score exceeds 740. 5. My loan application to refinance with a cash-out was to facilitate a revamped bathroom ; needed to accommodate my recovery of a total XXXX XXXX and advanced age. I fully understand why PennyMac Mortgage Loan Services is not included in the Top 5 List of Mortgage Loan companies, not even the Top 10. This is a fair warning Sincerely, XXXX XXXX XXXX {"issue":"Applying for a mortgage or refinancing an existing mortgage","sub_issue":"Not Available"}

I need you to categorize user complaints into issue and sub-issue categories. You will be given information about the product, sub-product, and the user complaint. Your task is to analyze the complaint and identify the main issue and the specific sub-issue. Use the following guidelines: 1. Product: The main item or service involved. 2. Sub-product: A more specific part or feature of the product. 3. User complaint: The user's problem or dissatisfaction expressed in the complaint. Categories: * Issue: The broad category of the complaint. * Sub-issue: A more specific aspect of the problem. If the sub-issue is unavailable, return "Not Available" as the result. Please follow this JSON output schema: {"properties": {"issue": {"title": "Issue", "type": "string"}, "sub_issue": {"title": "Sub Issue", "type": "string"}}, "required": ["issue", "sub_issue"]} Product: Debt collection Sub-product: Other debt User complaint: XX/XX/XXXX To : CFPB From : XXXX XXXX Dispute identity theft XX/XX/XXXX with company XXXX XXXX XXXX XXXX XXXX left on front door due scam. I file report with FTC due First time home owner program Appointment XX/XX/XXXX credit report pull and Housing program clerk stated XX/XX/XXXX deadline date clear credit report of this XXXX matter with Merchants Acceptance XXXX XXXX XXXX XXXX XXXX. ID theft ruin credit report. XXXX {"issue":"Took or threatened to take negative or legal action","sub_issue":"Threatened or suggested your credit would be damaged"}