23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Discover bank charged me {$15.00} excessive withdrawal fees in XX/XX/XXXX {$180.00} fees in XX/XX/XXXX and {$60.00} in XX/XX/XXXX. I never received their letters they mentioned in their previous  correspondences. If they sent letters, they were never delivered. I was never informed of this. As a bank, those fees need to be refunded as a courtesy. $ 200+ is a lot to me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting

CITY OF XXXX is still reporting negative information to my credit report. This acct was paid in full & was supposed to be removed when paid. I have disputed it numerous times with Experian & sent the company a letter requesting it be removed per our agreement. They continue to report it, which is damaging my credit & impacting my ability to get a loan. This issue is causing me great emotional & financial stress & is having a major impact on my family & work lives. I would like this removed as agreed upon when paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : CFPB Date : XX/XX/2019 AC # XXXX THERE IS A BILLING ERROR : REQUEST FOR ACCOUNT DETAILED AUDIT OF THE INVESTIGATION! 

THIS LETTER IS TO INFORM YOU THAT THERE IS A BILLING ERROR COMMITED BY XXXX  XXXX XXXX! I AM REQUESTING A DETAILED AUDIT OF THE INVESTIGATION! 

MY CREDIT CARD STATEMENTS WHERE TURNED OFF! XXXX  XXXX XXXX IS BLAMING ME FOR TURNING OFF MY CREDIT CARD STATEMENTS! I NEVER REQUESTED TO STOP RECEIVING PAPER STATEMENTS! AT NO POINT DID I REQUEST TO STOP RECEIVING PAPER STATEMENTS! 

I DO NOT ADMIT TO THE ALLEGATION THAT I CLICKED ON ANYTHING ON THERE WEBSITE TO TURN OFF PAPER STATEMENTS!!!! 

XXXX  XXXX XXXX RECORDS CLEARLY INDICATE THAT I DID NOT RECEIVE PAPER STATEMENTS FOR MONTHS! THIS CAUSED ME TO MIS MY XX/XX/2019 PAYMENT! I NOTIFIED XXXX  XXXX XXXX OF THIS PROBLEM ON XX/XX/2019 VIA PHONE AND BY LETTER ON XX/XX/2019 AND THEY NOTIFIED ME THAT THIS WAS MY DOING! WHICH IS A LIE! 

I AM REQUESTING DETAILED INFORMATION THAT I REQUESTED MY STATEMENTS TO BE TURNED OFF! I AM DEMANDING WRITTEN PROOF OF THIS REQUEST. PROVIDE AUDIO PROOF OF THIS REQUEST, IF I DIDNT SIGN ANYTHING REQUESTING PAPER STATEMENTS NOT TO BE MAILED TO MY HOME THEN THERE IS NO PROOF I REQUESTED STATEMENT NOT TO BE MAILED TO MY HOME! PLEASE PROVIDE DETAILED WRITTEN PROOF! PLEASE PROVIDE WRITTEN OR AUDIO PROOF OF THIS REQUEST WITH MY SIGNATURE! 

IF THEY CAN NOT FURNISH THIS INFORMATION PLEASE REMOVE IMMEDIATELY MY 30 DAY LATENES OF MY XXXX  XXXX XXXX ACCOUNT! 
UNDER THE TRUTH IN LENDING ACT, THE FAILURE OF A CARD ISSUER TO SEND A BILL IS CONSIDERED A BILLING ERROR!!!!!!! 
Update my XXXX  XXXX XXXX Credit Card payment history. Remove the 30 day late in XXXX of 2019. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed to XXXX XXXX 15 USC 1681 governs access to consumer credit report records. I have filed form XXXX with the XXXX The perpetrator ( s ) filed IRS tax return using my SSN which has damaged me furthermore the perpetrator ( s ) have obtained from the Data Breach my personal information which has resulted in negative credit accounts and fraudulent inquiries of which ALL must be deleted immediately without delay on XXXX, XXXX and Transunion. Pursuant to Title 15 USC 1692G ,1692K et seq FCRA 605B ( 15 U.S.C. 1681c-2 ) See attached Credit Report and Identity Theft FTC Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the online site for obtaining my free annual credit report from all three agencies. I completed the forms completely and accurately. Only XXXX gave me my credit report ( which I printed out for my personal records ). XXXX and Experian both refuse to give me my credit report. Both have done this to me in the past. ln the past, I even went so far as to send them copies of my driver 's license, Social Security card and form 1099. Neither ever sent me my credit report. I know that these credit reporting agencies are required by federal law to provide me with an annual credit report free of charge. This is obviously some kind of scam on their part because one year that they refused to give me my free annual report, they offered to give it to me if I paid them for my credit score. I paid them and then they tried to charge my card every month for the service. I hope you bring these horrible people to heel. Thank you.
Product: Credit card or prepaid card

This is my third time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions or accounts to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. These are addresses and inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete these inquiries I do not have these accounts nor ever applied for them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached are documents from my credit report with the inquiries shown. Also there is a copy of my XXXX XXXX claim number along with other documentation you may need to handle this matter promptly as possible. 

I have tried to get these removed multiple times but they were not because they are tied to fraudulent closed accounts the fraudster used.
Product: Mortgage

Predatory lending complaint against Bank of America.The bank has refused to refinance my loan stating I do not make enough income for this loan. 
The bank has refused to offer any program of assistance on this loan stating I make too much money and can afford this loan. 
The bank 's current loan has a monthly payment with will increase by approximately XXXX per year. The bank will apply extra fees and charges due to my inability to stay current on this new and unmanageable payment.
Product: Checking or savings account

On XX/XX/XXXX I used Citizens Bank mobile deposit to deposit a {$4700.00} check in to my account. Thh system stated that the funds would incur a hold unitl XX/XX/XXXX. As of XX/XX/XXXX, {$4400.00} is still on hold and the bank will not provide a date when the funds will be available or return the money. The check which I deposited has been cashed by Citizens. According to the Citizens Personal Deposit Account Agreement : " We will notify you of your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. '' They have done neither of these.
Product: Credit card or prepaid card

Bank of America closed my two credit cards with no notice and for no reason in XX/XX/2023. When I called the bank, I was told it was a business decision and they could not give me more information. One of the credit cards was an XXXX XXXX XXXX card that I had been approved for in XX/XX/2023 and for which I paid a {$500.00} annual fee. I called Bank of America several times and asked for the annual fee to be prorated and reimbursed and for the accrued points ( XXXX valued at {$1100.00} ) to be applied to the balance on my card. They denied both requests. I had applied and paid for the card because of its benefits for a trip I was taking in XXXX XXXX. I lost all of the benefits ( including luggage fees, travel insurance, airline fees, etc. ) as I had already booked the flights and other parts of the trip on the card and Bank of America would not let me use any of the benefits or protections once they closed the account. I am extremely frustrated that I lost out in thousands of dollars, was given no notice or explanation, and have no recourse to resolve this situation. I was a XXXX XXXX client for 23 years with the bank. There were no late or outstanding payments, my accounts were in good standing, and my credit score is XXXX.
Product: Student loan

Aidvantage, a subsidiary of XXXX  continues to send me bills and payment reminders for federal student loans that were consolidated and now serviced by XXXX. When I try to close the Aidvantage account, change email settings, alter my account information, I cant find any way to do soeven logging into the Aidvantage account, it says {$0.00} balance due because of consolidationbut the emails I keep getting are saying that I should still owe Aidvantage a XXXX  XXXX payment monthly and have a big pay now link for me to enter credit card or bank information and submit money. I believe this is a scam to take advantage of borrowers now that the payments have resumed, as I am no longer a customer of XXXX  or Aidvantage.
Product: Debt collection

CACI XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO. XXXX. 

Has refused to send me debt verification. 
I have ask. I will be going to small claims court. According to the fair credit I am entitled to compensation.
Product: Prepaid card

I bought a {$15.00} XXXX XXXX XXXX XXXX at XXXX and attempted to redeem it with XXXX. Upon attempting to redeem the card, XXXX asked for additional information which I supplied. XXXX then responded that the card I submitted " isn't valid or doesn't match the information in our systems. '' They left me without any explicit recourse to further contact customer support to avail of the card that I legitimately purchased. I'm supplying information substantiating the legitimate purchase of the gift card. 

This is the second gift card I have purchased for XXXX XXXX, this time from a different vendor, yet I am receiving the same run around from XXXX regarding this purchase as my prior purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

on. for 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX Account XXXX XXXX XXXX XX/XX/XXXX late payment was reported XXXX  Account # : XXXX XXXX XXXX late payment was reported XXXX XXXX Account # : XXXX XX/XX/XXXX late payment was reported XXXXXXXX XXXX Account # XXXX XXXX Date Opened : XX/XX/XXXX 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I put a disputed for this Collection account from XXXX with account # XXXX and a balance of {$1200.00} original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. *Account was verify/Updated as been verified and accurate*. On XX/XX/2023 I resend a disputed for this collection account from XXXX with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX XXXX. I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. On XX/XX/2023 I receive what its to be verification from XXXX XXXX XXXX  proof from the original creditor that this debt collector owns this debt. Which is not because like i said before I have never signed anything with this company or own this money. I have provided a copy of my license and a copy of the proof I receive. CLEARLY THE CREDIT BUREAU HAS NOT VERYFIED ANYTHING!!!! BECAUSE THE SIGNATURE ARE NOT EVEN THE SAME.!!!! At this point you the credit bureau are allowing this creditor to bully me and violated my rights as a consumer/CLEARLY you ARE NOT verifying the account at it contains numerous discrepancy. PER 15USC 1681 ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPLY DELETED that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or DELETED from the file of the consumer. Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

ATTACHMENTS XXXX XXXX ( XXXX ) .pdf ( XXXX MB )
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the three major credit reporting agencies ( Equifax, XXXX, and XXXX ) for failing to properly investigate and resolve credit/account disputes in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, I have disputed inaccurate information on my credit reports secondary to identity thefts with all three bureaus, but they did not conduct a reasonable and thorough investigation as required by law. As a result, the inaccurate information remains on my credit reports, causing harm to my credit score and financial well-being.15 U.S.C. 1681c-2also known as FCRA 605Bis a provision under the Fair Credit Reporting Act ( FCRA ) that relates to the blocking of information on a credit report that is the result of identity theft.The credit bureaus must block the fraudulent information from your credit report within 4 business days of receiving your request and supporting documentation which they have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has sconed complaint against XXXX and capital one to removed unauthorized hard inquires this a copy of letter i will attachment XX/XX/XXXX Capital One Case : XXXX CFPB Case : XXXX Dear XXXX XXXX, Im reaching out to you about the concern you submitted to the Consumer Financial Protection Bureau XXXX CFPB XXXX, regarding hard inquiries you said are showing on your credit file. 
On XX/XX/XXXX, we sent a request to the Consumer Reporting Agencies ( CRAs ), asking them to remove the hard inquiries dated XX/XX/XXXX, and XX/XX/XXXX. The CRAs will determine how this is reflected in your credit file. If theyre unable to remove the inquiry completely, they XXXX change it to a soft inquiry. Soft inquiries do not have any impact on your XXXX XXXX. It XXXX take the agencies up to 60 days to update their records. 
You also mentioned in your correspondence that there was an inquiry from XXXX XXXX Bank on your credit file that you did not authorize. Please reach out to them directly regarding that matter. 
Furthermore, you stated you have contacted the CRAs to report your concerns about identify theft. I am glad you have taken that step. For more information regarding identity theft protection, please visit our website at www.capitalone.com/financial-education/identity-fraud. 
If you have questions or concerns about this account, please call us at XXXX. Our Customer Service XXXX are available XXXX hours a day, 7 days a week. 
Sincerely, XXXX XXXX, on behalf of Capital One
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Every time I try up upload supporting documentation to this loan servicer the website is inoperable. No one responds via " customer service '' when you email them about the issue and when you call you are promised a call back with no response. This servicer is clearly doing this by design and it is not an occasional occurrence.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have had a few debts from XXXX XXXX sent to this particular debt collector called California Credit Bureau. I have just paid for another one today. 

First to note, is that XXXX makes their billing system very confusing, and it is very difficult to understand their billing and insurance statements. For example, we pay all co-pays ( typically {$30.00} - {$100.00} ) for my family of 5 at each visit. Often, XXXX will bill the co-again on the follow up bill. We dont pay it because we KNOW we paid it at the office, etc. 

The issue is that this collection agency uses virtually NO communication, which makes it impossible to resolve prior to going to collections. I think they are actually doing this on purpose so they can make the added fees. They claim they leave phone messages - of which I have never received one. I verified my phone number and address they have on file. I do get some phone messages that sound like robo-calls occasionally, but the first 5 - 10 seconds are cut off and you hear the dialog only say ... .call 800 ... but not identify who it is or what. 

On this last collection of XX/XX/XXXX for {$180.00} ( which I just paid ) I asked when was the last written communication for this and verified my address. They said XX/XX/XXXX for a debt incurred in mid XXXX, and recorded a collection on my credit in XX/XX/XXXX. They said they made no communication to me from XXXX to XXXX of XXXX, and only sent 1 letter back in XXXX. This seems predatory to NOT attempt to communicate and them trump up the charges and record a collection on credit report.