23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX XXXX XXXX sold a XXXX XXXX XXXXXXXX through misleading advertising, intentional false advertising, and forged documents and my signature. The bank that XXXX XXXX XXXX conspired to commit fraud and bad business practices with was Credit Acceptance Bank. I contacted XXXX XXXX ( salesperson ) from XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) about the XXXX XXXXXXXX XXXX. I was told to come to XXXX XXXX XXXX ( XXXXXXXX XXXX ) by XXXX XXXX ( salesperson ) that Saturday ( XXXX ) to purchase the vehicle as advertised. I put down a {$4000.00} down payment to purchase the vehicle ( XXXX ) and did not sign any electronic documents whatsoever, received no copies of paperwork or receipt information upon leaving the dealership. The advertised price on XXXX and XXXX XXXX website was {$29000.00}. The price that it was sold was {$38000.00} and the total of financing end up being around {$42000.00}. I contacted the dealership less than XXXX hrs after the transaction, to attempt to bring the vehicle back and to resolve the issues that arose Saturday ( XXXX ). Ive been in contact with the bank about the fraudulent employment sent in to acquire the loan, the deceptive advertising and that I did not acknowledge nor sign any of the documents that were uploaded electronically. The bank told me that they did not find anything fraudulent. The dealership has wasted my time by agreeing to cancel the loan and take back the vehicle on Saturday ( XXXX ) just to arrive to XXXXXXXX XXXX to no individual at the establishment, and ignoring my response. The individuals Im referring to are XXXX XXXX ( salesperson ), XXXX XXXX, and XXXX XXXX XXXX ( owner ). Credit Acceptance Bank and XXXX XXXX XXXX have not pursued any resolution to the fact 2 months later, and have failed ethically to handle the transaction.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX 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 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 months that are reported late 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, credit repair services, or other personal consumer reports

EXPERIAN IS REPORTING XXXX LATE PAYMENT ON MY LOAN WITH XXXX  FOR XX/XX/XXXX AND XX/XX/XXXX. I HAVE NOT MISSED MY XXXX PAYMENT AS I HAVE PROOF THE PAYMENT WAS MADE EARLY ON XX/XX/XXXX. LASTLY I CONTACTED XXXX IN REGARDS TO XX/XX/XXXX PAYMENT BEING REPORT LATE AND THIS ALSO CORRECT DUE TO A BILLING ERROR. MY PAYMENTS ARE DUE ON THE XXXX OF EACH MONTH. A PAYMENT IS NOT REPORTED LATE TO CREDIT BUREAUS UNTIL IT IS XXXX  DAYS LATE. I MADE MY XXXX PAYMENT AND XXXX PAYMENT BOTH ON XX/XX/XXXX IN THE AMOUNT OF {$500.00}. I AM AWARE THAT THESE LATE PAYMENTS ARE 100 % INNACCURATE AND I WANT THEM REMOVED IMMEDIATELY AS THEY DONT REFLECT A HONEST REFLECTION OF MY PAYMENT ABILITY. ACCORDING TO 15 USC 1666 CORRECTION OF BILLING ERRORS I AM AWARE THAT BOTH LATE PAYMENTS MUST BE REMOVED AND PROPERLY INVESTIGATED.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017 at XXXX XXXX UTC, I initiated a wire transfer of XXXX from XXXX to my bank, XXXX XXXX XXXX. I used the correct information for the wire transfer and included the appropriate memo message as requested by XXXX. I also included the correct account number for the wire transfer.The wire transfer was listed as "completed" on XXXX  after a short period of time (the same day), but the funds have never appeared in my bank account. I called my bank to try to find out if they knew anything about the transfer, but had no record of it.On XXXX I cannot find any pertinent information about the transfer other than the XXXX transfer ID, which is XXXX. I have opened a support ticket with XXXX and have not received a response yet. The Case # is XXXX for the support ticket. I've also sent a message to XXXX  official XXXX account.XXXX and Coinbase have stated that they have a backlog of outgoing transfers and that the transfers will take between 7-10 business days. I haven't received the transfer and have no way of contacting XXXX or Coinbase. In addition to the support ticket, I've called XXXX support phone number and been unable to get in touch with support staff.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles dispute process, particularly in light of the recent CFPB lawsuit that underscores significant issues with the platform. As a frequent Zelle user, I have encountered discrepancies that my financial institution failed to investigate thoroughly. I was informed that recovering lost funds was not possible and that tracking these transactions was infeasible. The CFPBs findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious concerns about consumer protection.
Product: Vehicle loan or lease

-BMW Financial Services failed to respond to my initial complaint " XXXX XXXX and instead provided a blank document. 
- The previous complaint has also uploaded BMW 's " XXXX CAR RULE '' Contract available for download. 

I followed up with Consumer Financial Protection Bureau Representative on XX/XX/XXXX XXXX PST who informed me, they would reach out to BMW FS to ensure they complied with a valid document in few minutes. As of XX/XX/XXXX BMWFS has not complied. 
- BMW Financial Sevices has been taking insurances overages from customers despite contracts stating they are not entitled for it. BMWFS was paid XXXX on XX/XX/XXXX by my insurance XXXX. BMW contract states that I am owed the difference between adjusted lease balance and actual cash value. 
- Date of Loss Occurred on XX/XX/XXXX in XXXX XXXXXXXX XXXX The vehicle is a BMW XXXX BMW XXXX XXXX and the BMW payoff amount in XXXX prior to accident via BMW Vehicle purchase phone prompt was XXXX - Agreed upon value Vehicle at time of lease = XXXX ( XX/XX/XXXX ) XXXX Insurance paid BMW Financial = XXXX ( XX/XX/XXXX ) Contract XXXX XXXX. CAP COST REDUCTION XXXX XXXX. Adjusted Cap Cost XXXX XXXX. Residual Value/ Purchase option at End of Lease Term XXXX XXXX. Total Payments = XXXX - Line XXXX. GAP AMOUNT Waiver States If I am in compliance with my insurance obligations under this Lease and the Vehicle is damaged, stolen, or destroyed and considered a total loss under my insurance coverage, I will not be obligated to pay you the gap amount. ( The difference between the Adjusted Lease Balance and the actual cash value of the vehicle on the date of the loss, if the claim for total loss is actually paid to you by my insurance company. ) - My Insurance Paid XXXX to BMWFS My Lease balance = XXXX Residual = XXXX BMW Adjusted Lease Balance = XXXX - BMW has returned my XXXX Security Deposit which I voluntarily provideded to lower my RF and monthly payments. 
- BMW also has refunded XXXX Cap Cost Reduction calculated by CAP COST of XXXX for XXXX months minus my XXXX Insurance deductable and minus a XXXX late fee imposed by BMWFS ( Taxes were not calculated in this calculation! ) - BMWFS therefore owes at minimum XXXX which is the difference between Adjusted Lease balance and Actual Cash Value, Dispostion Fee XXXX Sales Tax on CAP cost reduction, and Rent Charge Contract states that I am owed the difference between adjusted lease balance and actual cash value. 

*Attached below is BMWFS response as well as a screen shot verifying it.
Product: Student loan

I signed up for the XXXX for persons who work in non-profit back in XX/XX/XXXX. I was told that after XXXX years of repayment loans would be forgiven. I went back to school in XX/XX/XXXX and Navient put me on deferment without asking me if I wanted a deferment. I DID NOT! Now my XXXX for non profit has to start all over again. I have been working for a XXXX museum since XX/XX/XXXX. What can I do about this??
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I have attempted multiple times to dispute hard inquiries on my credit report from experian and XXXX and they refuse to remove them. They claim that they are accurate and I have disputed that they did not have my authorization.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Credit Reporting Agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of incorrect personal information, collection account with XXXX XXXXXXXX, closed credit card accounts with XXXX XXXX XXXX XXXX  and XXXX XXXX, and an auto loan account with XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I purchased my home on XX/XX/year>. 
I am a XXXX XXXX XXXXXXXX veteran so I am not required to pay taxes on my home. 
My county taxing authority has provided tax bills showing I am 100 % exempted. 
Rocket has taken over XXXX per month from me for taxes I do not owe. 
My requests have fallen on deaf ears. 
I have provided emails from my taxing authority and tax documents proving I owe XXXX taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX ; XXXX XXXX XXXX XXXX  Account # XXXX ; XXXX XXXX Account XXXX XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX Account XXXX XXXX ; XXXX XXXX XXXX  Account # XXXX ; has violated my rights .

15 U.S.C 1681 section 602 A. States that 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXA 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.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your companies. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Credit card or prepaid card

I opened a credit card at a merchant when purchasing lawn furniture and hot tub. I was told the furniture had no interest if paid in XXXX months and the hot tub, no interest if paid in XXXX months. I have been paying over the minimum payment all year, and now received a call that Wells Fargo, the card issuer, is charging interest. I am baffled, since my balance is much lower than the lawn furniture cost, since I paid more than the minimum every month. Now, the woman is explaining it is XXXX different types of promotions and it depends on the way they applied the payments. I am very upset with how poorly the promotion was explained. I have been fortunate enough to use deferred and no interest offers through different banks and never had this problem! Wells Fargo needs to be reigned in.
Product: Credit reporting or other personal consumer reports

ACCORDANCE WITH USC 1681a2 1 DIDNT GIVE WRITTEN CONSENT TO HAVE THESE ACCOUNTS ADDRESSES NAMES TO BE FURNISHED ON MY XXXX XXXX EXPERIAN CONSUMER REPORT ACCORDANCE WITH 15 USC 6801 a b 1 2 3 4 PROTECTION OF NON -PUBLIC PERSONAL INFORMATION I DIDNT GIVE WRITTEN CONSENT! ACCORDANCE WITH USC 6802 a b c d e OBLIGATION WITH RESPECT TO DISCLOSURE of personal information USC 6803 I never signed any disclosures forms given written consent.
Product: Mortgage

Recieved forebearance and deferrement back in XXXX thru XXXX. Applied for extension. Never received anything stating the extension wasn't approved. Everytime I logged online it stated that we were still in forebearance up until XX/XX/2020. Even so still paid as much as I could during this time. Rang to schedule full payments starting from XXXX and was told Forebearance expired XXXX and the extension was not approved. I now owe over {$10000.00}. Explained that I applied for extension of forebearance and deferment in XXXX ShellPoint told me - " yeah the website was wrong! '' Company have suggested only plan available is for me to pay {$4800.00} for the next 6 months. Current payments are {$2400.00} I can not afford {$4800.00}. 

I think this is extremely unfair seeing as I made payments during the forebearance and did everything I could.
Product: Credit reporting or other personal consumer reports

I have had many alerts saying that something has breached my credit. Therefore, Id like all the stuff on my credit removed. Some of these are not my credit anyway please take them away.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXUS SM BUS ADMIN ODA XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights. XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX 15 U.S.C 1681 section 602 A., state I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instruction.
Product: Debt collection

Portfolio Recovery Assoc is harassing me, violating my consumer protection rights and claiming that i owe an alleged debt. They are ruing my character and reputation via mail, phone calls and emails displaying their letterhead and company name while claiming i owe an alleged obligation, these are multiple violations of my consumer rights pursuing to XXXX and the XXXX
Product: Checking or savings account

Under the leadership of the Consumer Financial Protection Bureau ( CFPB ) s newest director, XXXX XXXX, the agency is trying to radically reshape the American financial services sector by breaking time-tested bipartisan norms and skirting the agencys legal authority.

By attempting to change rules without accountability, the CFPB is creating uncertainty that will harm consumers by causing financial companies to adjust the types of mortgages, car loans, and personal credit they can offer. 

XXXX M & T Security Attacked my Service Animal on XX/XX/2022, We are both Terminally Ill, also the bank constantly has people outside who use drugs and the building is covered in Graffiti/Or XXXX Related Public Statement Caused by Other Problems I am willing to resolve. 

However I ask that the bank operates only for vegetarians leading to vegans so better represent the XXXX XXXX. 

Please take more steps to eliminate hardships and recognize celebrities when they visit the premises.
Product: Debt collection

I received a verbal notification of the debt and mailed and emailed a dispute asking for verification ; both documents were sent to the debt collector and XXXX. The debt collector will then close my account and XXXX will reopen it. This matter has happened three times. Transworld is the current debt collection agency that has neglected to provide a verification of debt as requested XX/XX/2024. Twice were in writing via email and mail the second was during a phone call. Transworld System ( Tsi ) will simply report on my credit that the debt has been verified which is incorrect as they have neglected to do so. Per the debt XXXX is requesting XXXX but the debt collectors states a higher, incorrect amount.