23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXX late payment : XXXX XXXX XXXXXXXX XXXX inquiries : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Personal Information : Name : XXXX XXXX Former : XXXX XXXX XXXX Former XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former XXXX XXXX XXXX Former : XXXX XXXX Also Known XXXX XXXX XXXX XXXX Also Known XXXX XXXX XXXX XXXX XXXX Current XXXX XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address XXXX es ) : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX FL XXXX Employers : XXXXXXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Good morning, I hope this message finds you well. I am writing to seek assistance with an issue I am experiencing concerning a bill from XXXX XXXX that was incorrectly addressed and turned to Express Recovery LLC. 

Due to an error in the address recorded by XXXX XXXX, my bills were sent to the wrong apartment number, which is a violation of HIPAA regulations. As a result, I did not receive any of these bills. Eventually, my account was handed over to a collection agency, Express Recovery LLC. 

Upon discovering this issue, the collection agency was able to locate my correct address and send me a letter. I requested a detailed bill from them, which I received. I reached out to XXXX XXXX to resolve this matter directly and offered to pay the outstanding amount of {$510.00} if they would address the issue of the incorrect address. However, XXXX XXXX informed me that they could no longer assist and advised me to work with the collection agency. 

I contacted the collection agency and expressed my willingness to pay the outstanding balance of {$510.00}, if they remove the {$120.00} collection fee. I believe this fee is unjust as the error was not due to my negligence, but rather an issue with XXXX XXXX record-keeping. The collection agency declined to remove the fee but offered a 10 % discount, which is approximately {$60.00}. 

Given the circumstances, I am requesting your assistance in removing the {$120.00} collection agency fee. I am prepared to settle the outstanding balance of {$510.00} immediately but firmly believe that the additional fee should not be my responsibility due to the initial error. 

Thank you for your attention to this matter. I look forward to your guidance on how to resolve this issue fairly. 

Best regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/2018 I reviewed credit report and notice several inquiries that should not have been on my report. I then call agency and was told that they would remove inquiries, buy the never did.
Product: Debt collection

MIDLAND FUNDING LLC is reporting a debt and trying to collect on a debt that is not mines Ive wrote the company on multiple occasions in XXXX and XXXX to validate the debt with NO RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX* XX/XX/XXXX RE : 2nd Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiries have been made. 
I contacted the sources of each of these inquiries who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into these inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

XXXX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXX , XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX   Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automotive XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX Thank you for your assistance in this matter, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX*
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$600.00}, {$610.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$610.00} -This is not my account.
Product: Debt collection

I have never done business nor signed any agreements with PORTFOLIO RECOV ASSOC.
Product: Credit reporting, credit repair services, or other personal consumer reports

the attach documents showing the  creditors pulling my credit more than once in the same day
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant XXXX, even affecting my ability to XXXX. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Product: Mortgage

Removal of Private Mortgage Insurance : On XX/XX/2020 I paid down my principle to below the 80 % LTV threshold to remove PMI. I contacted my mortgage service provider, Citizens One Mortgage to request removal of PMI. It took them several weeks to send me a document that I needed to fill out to request cancellation of PMI. I have filled out the required paperwork and both faxed and mailed it back to Citizens One but I have not yet received a response. 

The process to cancel mortgage insurance appears to be intentionally slow and complicated and this will end up costing me hundreds of dollars of unnecessary PMI payments due to the slow response. I need a response from my service provider, and I need them to reimburse me for the extra PMI that I have been forced to pay after my LTV went below 80 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MIDLAND CREDIT MANAGEMENT IS IN VIOLATION AND A SERIOUS BREACH OF TRUST AND HAS VIOLATED MY CONSUMER RIGHTS AND VIOLATED CONSUMER LAWS. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE YET SHOWN ME PROOF OF WET INK SIGNATURE, PROOF CONTRACT WHICH HAS TO BE NOTARIZED AND HAS TO HAVE WITNESSES THERE AT THE TIME OF THE CONTRACT BEING LEGAL BIDING CONTRACT. PROOF THAT YOU STOLE MY SSN MAKING THIS IDENTITY THEFT 18 USC 1028 A. PROVE TO ME THAT I DID ANY BUSINESS WITH THIS COMPANY. THIS COMPANY STOLE MY IDENTITY AND MY SSN. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT IMMEDIATELY. AND SEND UPDATED REPORT REFLECTING THE REMOVAL.
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am behind on payments and under Foreclosure with a Sale Date on XX/XX/2023 ; i have been applying for the XXXX XXXX XXXX XXXX where i am eligible for them to pay for my debt ; when they contact my lender SPS they inform XXXX XXXX XXXX that my home is an " Investment Property '' and this is my " Primary Home '' ; that results on me to be declined on my application multiple times. I called my lender SPS to request to stop saying XXXX XXXX  that my " Primary Home '' is an " Investment '', they assured they changed the category on XX/XX/2023. I re-applied for the program on XX/XX/XXXX and i got denied again for the same reason " My home is not eligible for ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im 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 itemslisted 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 is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts. 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 XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2017, I intended to make an on-line payment to XXXX XXXX for {$500.00}. After not seeing any credit to my account, I reached out to my bank, Wells Fargo, and asked about the payment. It was determined that the information that auto populated the on-line payment was incorrect. For the next 60 plus days, I called and wrote to XXXX and to Wells Fargo in an attempt to find my money. 

It is XX/XX/XXXX and I have been on the phone ( again ) with Wells Fargo and XXXX for more than an hour and with many many transfers to other people, and still no resolution. 

No one is responsible, they say. Is that true?
Product: Credit reporting, credit repair services, or other personal consumer reports

WHILE I WAS AWAY XXXX  MY TIME IN THE XXXX XXXX XXXX SOMEONE STOLE MY IDENITY. I HAVE NEVER FILED XXXX BEFORE! I REALLY DON'T HAVE A REASON TO BECAUSE THE XXXX  PAYS ME WELL. XXXX WILL NOT REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE. I AM TRYING TO REFINANCE MY {$300000.00} HOME BUT THE LENDER ID GIVING ME A HARD TIME BECAUSE OF THIS. PLEASE HELP ME GET THIS ISSUE RESOLVED.
Product: Debt collection

I have changed my phone company and internet service from time warner to XXXX XXXX XXXX the internet was disconnected first and I went to the time warner office to turn in my internet modem they would not take it, " they said the whole service had to be disconnected before anything was turned in ''. I did not get a reference number saying I was trying to turn it in. 
All I have a new bill of when my new service was connected. I received a very large bill and made a phone call to the company and told them it was not right. I would a proper bill for what I really owe from my previous service. They assured me they would take care of it and send me one. That did not happen. 
Nothing was received from them, until a collection agency sent me emails trying to collect and not sure if that is proper to send that to my business email. 

I responded back and they informed me I did not cancel in time, which I did try and the company would not let me. This was verbal I guess I need a reference number for all conversations now? 

XXXX XXXX of XXXX is when the new service was connected for the phone lines. XXXX XXXX is when the fax line was installed and when I tried to being the modem back. 
I am getting charged for service stopping XXXX XXXX that is a month of service not used and going to collection to boot. 

Even my phone calls and many attempts to bring the modem back on my lunch hour did not work. 

There was a sign on the door closed for lunch. So I called 2 times, and finally called again they finally came and took the equipment. On XXXX XXXX. There was no contract with time warner.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. Despite using Zelle numerous times and reporting discrepancies, Zelle failed to investigate my claims adequately.
Product: Credit reporting or other personal consumer reports

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. 

Account Name XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX  Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX Account NumberXXXX Account Name : XXXX XXXXE XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX  Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX  Account NumberXXXX Account Name : XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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.
Product: Debt collection

I have contacted XXXX multiple times regarding the debt reporting on my credit report. I have asked that XXXX send me any contracts or proof of debt validation with no response. This debt is not mine, I have asked that it be removed multiple times as they can not provide any documentation of ever doing business with me. I have never done any business with XXXX, and I am requesting this debt be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two inquiries for OneMain for a loan. I didn't make these inquiries. When I called OneMain they provided a different phone for the inquiries and I requested that these inquiries be removed. I also stated this is a case of fraud please don't disburse any funds. I was assured that inquiries would be removed and said person would have had to come into the branch and provided ID. Please help me have 2 inquiries removed from my report. Dates XX/XX/XXXX and XX/XX/XXXX. Not that this has anything to do with this case. I provided my ssn to a XXXX ad for work which I believed to be a scam..
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX  XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX  - XXXX "
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had a credit account that was issued through XXXX XXXX XXXX. The account was paid in full and I was told synchrony would reverse any fees generated. The account was notated but fees was not reversed. Reached out to synchrony a year later after seeing a charged off balance and derogatory lates ( 30,60,90,120 days ). Was told that this was a Synchrony bank error and they would contact the credit agencys and get the balance cleared and remove any derogatory information regarding this account. I was also given the option to either retain this account or close it, which I chose to close the account. I have now received a letter stating : account paid in full, was a charge off. Ive contacted Synchrony bank and excelated this issue and no one has contacted me or made an attempt to fix the issue. Because this was a synchrony Bank error the consumer should not be penalized for errors the financial institutions make. When I make an attempt to get ahold of a manager, Im being told multiple times through out the day, that the managers are on lunch or not available. Im asking that this please be escalated and corrected for me please.
Product: Debt collection

The original debt was with XXXX XXXX. XXXX XXXX had set up a payment plan to pay {$43.00} due XX/XX/18 payment made XX/XX/18. Letter from HCI medical received was dated XX/XX/18. I started receiving calls before the 30 days given to dispute the debt. The times called they were rude and would not disclosed nature of call. I spoke to XXXX on XX/XX/18 and informed her of the repeated calls and rudeness. She apologized and we set up a payment arrangement of {$50.00}. I made another payment on bv XX/XX/18 of {$50.00}. I received another letter from HCI dated XX/XX/18 letting me know my balance remained unpaid and threatened to submit to credit b.c agency after making arrangements. I spoke to XXXX on XX/XX/18 at XXXX XXXX because XXXX was on vacation. She stated that after 45 days I get that letter. I informed her that it was not 45 days and she said sometimes the system does that. Really? I informed her to give XXXX a message. I never got a call. I called XXXX today at XX/XX/18 at XXXX XXXX and the payment arrangements and notes were gone. This is wrong practices and I am complying and now I was told that there is a possibility it's been reported. My consumer rights are being violated and this companies employees are not following protocol.