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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Freedom mortgage raised my payment amount without notification. They then took my payment and put it in a " suspense account '' and attempted to get extra fees based upon their claims of total non payment. As in there system deliberately marked is as me paying NOTHING. 

They then notified the credit bureaus that I was 30 days late when in fact I was not. You can see in the screenshot where they set the money aside and then pretended that they did not receive any money for that month so they could continue to tack on late fees. The did not notify me by mail. They did not notify me electronically. This is clearly XXXX behavior.
Product: Credit reporting or other personal consumer reports

To remove any old or duplicate addresses from my report : Current address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Remove non-mailable addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My current phone number is XXXX, Remove old phone numbers. Remove Inquiries : XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX  : All dates. All reported late payments XXXX XXXX XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX  XXXX : XX/XX/XXXX, XX/XX/XXXX, XXXX  : XX/XX/XXXX XXXX 

Under the Fair Credit Reporting Act, 15 USC 1681 Section 602 ( a ) states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' As Transunion, XXXX, and XXXX are consumer reporting agencies, and I am the consumer, I have the right to ensure my private information is not disclosed. This is further supported by 15 USC 6801, which establishes that financial institutions have a duty to respect customer privacy and protect the security and confidentiality of nonpublic personal information. Under 15 USC 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies can only provide a consumer report " in accordance with the written instructions of the consumer to whom it relates. '' I have not given Transunion, XXXX, XXXX, or any information furnishers my consentverbal, non-verbal, written, or impliedto disclose my information, and I hereby revoke any such consent.

Furthermore, 15 USC 6802 ( b ) ( c ) mandates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless I as the consumer is given a clear explanation of how to opt out of disclosure. I was not informed of my right to exercise this nondisclosure option. Additionally, 15 USC 1681c ( a ) ( 5 ) states that " no consumer reporting agency may include in a consumer report any adverse item of information, other than records of convictions, that predates the report by more than seven years. '' This account is an adverse item that is being reported without my permission.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$2300.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$640.00} Account Name : XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$8500.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$5700.00} Account Name : XXXXXXXX XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$13000.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$640.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$2300.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$2000.00} Account Name : XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$5400.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$440.00} Account Name : XXXXXXXX XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$7000.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$2000.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$5400.00} UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I reported on XX/XX/2030 XXXX fraud TO US BANK for {$150.00} charged XX/XX/2020 LESS THAN 60 DAYS-US BANK LETTER IS LYING THAT IT WAS REPORTED OVER 60 DAYS. Close account per XXXX XXXX manager request.
Product: Student loan

My current loan servicer has failed to account for {$8100.00} in loan payments that I have made. In XXXX of XXXX my loans were being serviced by XXXX ( " XXXX '' ). In XXXX of XXXX, I was notified that my loans were being transferred to XXXX. I made my last payment to XXXX on XX/XX/XXXX. On XX/XX/XXXX I downloaded a transaction report from XXXX that indicated that my total loan amount was {$180000.00} ( Exhibit A ). On or about XX/XX/XXXX my loans were transferred to XXXX. Between XX/XX/XXXX and XX/XX/XXXX I made additional payments to XXXX. In total I made {$8100.00} in payments to XXXX. ( Exhibit B ) In XXXX of XXXX, my loans were transferred to EdFinancial Services ( " EFS '' ). Since then, I have made additional payments to EFS that total to {$960.00}. ( Exhibit C ) In total since XX/XX/XXXX, I have made {$9000.00} in payments on my student loans. ( Exhibit D ). A number of these payments do appear to have been applied to my account. Per EFS my current loan balance is {$180000.00}. This is simply not correct. My current loan balance should be {$170000.00}.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$990.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX  : {$1800.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX  {$2000.00}.
Product: Debt collection

On XXXX XX/XX/XXXX, I contacted Capital Accounts to see exactly what the balance is of my debt owed, this is a medical debt that is under a Debt Management Program since XXXX and payments are made every month. I was told that the balance was XXXX, the balance on the DMP isXXXX, I brought this to their attention, I was then at that time made aware that they are charging interest, the original balance is XXXX, my wife contacted the Dentist office, who does not charge interest, under TN law if there is no interest in the Original contract and I didn't agree to it, they can't charge it. I asked the collection agency associate handling my debt when did they start collecting interest, she stumbled a lot on the phone then came back with XXXX XXXX XXXX the date the dentist office stated they turned it over to them, then I asked how much is the interest, what percentage rate?, the associate could not give me an answer, she stumbled quite a lot on the phone, so I repeated the question, again she never answered and then there was silence on the phone, which I waited to see if I was put on hold, waited a few minutes then the phone hung up. I called back, they answered and I asked for the associate 's last name, I asked twice and I was told there was no one that worked there by that name. Upon what information I found out today that I didn't know, they are fraudulently collecting interest on a medical debt for financial gain, they are using deceptive practices, in violation of FDCRA, the associate also claimed that they never received anything from the DMP, I know better than that, cause they are the ones sending them the monthly payments. They were caught in a lie, the associate also stated she knew nothing of the FDCRA as my wife tried to tell her, after I gave my wife permission to talk to them, the associate didn't want to listen after my wife caught her in a lie too.
Product: Checking or savings account

Last few months & today XXXX XXXX XXXX XXXX XXXX XXXX today for overdraft fee I paid it, the bank took no action on fixing the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair Credit Reporting Act the XXXX  account numbers listed below has violated my Consumer Rights

[15 U.SC.   1681] Section 602 (A) States I have the right to privacy.
[15 U.S.C.  1681b] (2) in general (a) In accordance to
604[15 U.S.C 1681b Section (a)(2):Permissible purposes of consumer reports
 It also states a consumer reporting agency cannot furnish financial information of accounts without my written instructions
. 
XXXX XXXX(closed acct.)
Acct# XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX(late payments)
Account Number XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (delinquent /over limit)
Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
 XXXX XXXX XXXX XXXX  Account Number XXXX XXXXpaid off)error
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
 Reported Balance XXXX XXXX XXXX XXXX XXXX XXXXclosed)(not reporting all bureaus correctly)
Account Number XXXX XXXX Reported Balance $XXXX  Account Status PAYS_AS_AGREED(Account closed at consumers request)
 XXXX XXXX (debt-to-credit ratio) (delinquent)
Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXdebt-to-credit ratio) (delinquent)(ERROR-charge-off )acct. PAID REQUESTED CLOSURE BY ACCOUNT HOKDER)
Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (CLOSED)ERROR (paid and closed at consumer request)
Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Account Number XXXX XXXX
DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
 DEPT OF ED/XXXX  Account Number XXXX XXXX
DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries

(Hard Inquiries)
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

While trying to Call XXXX XXXXXXXX XXXX XXXX one afternoon during the last week of XXXX, I concurrently received a call from intake specialists XXXX ( XXXX ) then XXXX ( XXXX ) of Sterling National Bank. I submitted an application online for personal loan to take care of medical Bills that had gotten out of control, amongst other things. They initially offered me a 5 year term loan for XXXXusd at 3.4 % interest. The payments were to be {$90.00}. 

They assured me that the loan would definitely go through and not to worry bc I was pre approved. I was then escalated to a Senior loan officer named XXXX XXXX XXXX XXXX ) / ( XXXX ) whom also promised to put the loan Into my account with XXXX XXXX located in CA. For some reason or another, due to a suppressed Credit Score, the Loan had to be escalated to another officer in the Accounting Dept named XXXX XXXX ( XXXX ) ext XXXX Who promised to fulfill the loan as promised. 
Sterling National Bank main- ( XXXX ) Unfortunately, there was no follow through and I never did see any loan credit to my account at XXXXXXXX XXXX in CA. 

The company activated an PPI in house insurance that was XXXX $ then charged an upfront fee of {$370.00}, then an ACH Fee of {$470.00}. 

For whatever reason, the Merchant that sits above the XXXXXXXX XXXX  in CA was blocking the funds from being deposited, so I was left with no other option than to call the bank and attempt to put SNB on the phone, however SNB refused to speak with XXXX so that we may better understand why the loan proceeds would not deposit. 

They then wanted to charge an additional {$400.00} to process a XXXX XXXX, however, I refused to comply bc I felt that the funds should be sent and then paid for.

I have made several inquiries with SNB and no one, Not XXXX XXXX, not XXXX XXXX has returned my call. I've sent several text messages as well to no avail. 

The Senior loan officer said the loan was preapproved and there would be no issue. 
It seemed that these calls kept coming my way while I was on pursuit with XXXX XXXX. 
There was never a loan issued despite the preapproval.
Product: Credit card

Wells Fargo discontinued the credit card I had and removed my account from my mobile app without my knowledge or any heads up and it had a remaining balance. I had no idea there was a payment due because of them removing it and now my credit has suffered. After speaking to a representative they promised theyd remove the late payment from my credit and leave a note, months later its still not resolved and when contacting them again they keep hanging up on me and trying to say they cant do anything about the situation and its not theyre responsibility.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion.

Details of the Complaint : - **Name : XXXX XXXX XXXX XXXX **Date of Birth : XXXX - **Social Security Number ( last four digits ) : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX **Background : ** On XX/XX/XXXX, EQUIFAX deleted the following information from my credit report : DELETED. This deletion was based on this item was removed from your credit report. Please review your report for the details...

**Reinsertion Incident : ** Despite the clear provisions under Section 611 ( B ) of the FCRA , which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that EQUIFAX has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion.

**Impact : ** This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products.

**Request for Resolution : ** In accordance with the FCRA, I request the following actions to be taken : 1. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report.

2. Ensure that [ XXXX XXXX XXXX XXXX ] complies with the notification requirements outlined in Section 611 ( B ) of the FCRA.

3. Correct my credit report by removing the reinserted information promptly.

**Supporting Documents : ** Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with EQUIFAX regarding the original deletion.

- Copies of my current credit reports highlighting the reinserted information.

- Any other supporting documents deemed necessary to investigate this matter.

**Contact Information : ** Please feel free to contact me at the above address or by phone at XXXX should you require any further information or clarification regarding this complaint.

I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA.

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

XX/XX/2019 I called LexisNexis and told them they incorrectly reported to an insurance company that I had a federal tax lien. They told me there was nothing that they could do about it. I do not have a federal tax lien and do not want it reported that I do.
Product: Debt collection

I had XXXX XX/XX/XXXX and the XXXX, XXXX, XXXX, though agreeing to take Medicare insurance, has sent an invoice dated XXXX/XXXX/XXXX for collection. I have repeatedly asked the collection agency for certain information and explained the insurance and included a letter from the Doctor detailing XXXX contractural obligation and repeated abuse by XXXX. I have not received answers to my specific questions to the collection agency.
Product: Vehicle loan or lease

To whom it may concern, My name is XXXX XXXX I got a Veh loan in XXXX with a company called Regional Acceptance I bought a used pickup truck for a little over XXXX I ran into fiananial problems but since then I have tried to clean up my credit alot I have not credit cards 1 loan but since then they were using experian credit reporting agency they stopped using them an it been removed off my XXXX   file and now its on my XXXX report XX/XX/XXXX these people refuse to let me clean up my credit Please help me get them off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit reporting or other personal consumer reports

Submission Date : XX/XX/2024 Subject : Request for Complete Verification and Deletion of Inaccurate or Unverifiable Account Under FCRA Sections 609 and 611 Details of the Dispute : I am filing this dispute with the Consumer Financial Protection Bureau ( CFPB ) to request that Experian, XXXX, and XXXX verify the accuracy of the Dept. of Education/XXXX account listed on my credit report. In accordance with my rights under Sections 609 and 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that each credit bureau take the following actions : 1. Chain of Custody Verification : Provide a verified chain of custody for the disputed account, including the transfer and handling details of any information shared by the original creditor. 
2. Original Documentation with Wet Signature : Produce the original agreement for this account that contains my wet signature. Digital reproductions or records that lack this level of verification do not satisfy the requirements for verification under FCRA. 
XXXX. Account Information Discrepancies : Remove any items that can not be 100 % verified, as required by law, including but not limited to inconsistent balances and inaccurate status updates. 
The account in question : - Dept. of Education/XXXX XXXX Student Loan ) - Account Number : XXXX - Balance : {$40000.00} - Discrepancy : Late payments inaccurately affecting my credit score beyond FCRA 's permissible reporting limits.

Action Requested : I request that the CFPB enforce the following actions from each credit bureau : - Provide detailed verification for the account, specifically addressing the chain of custody and wet signature documentation. 
- Delete this account if it can not be verified to 100 % accuracy or does not meet FCRA requirements. - Confirm in writing that this unverifiable or inaccurate item has been removed from my credit reports if verification fails. 
I am attaching screenshots and supporting documentation for this disputed item to support this complaint. 
Thank you for your assistance in ensuring compliance with federal credit reporting laws and protecting my rights as a consumer. 
Sincerely, XXXX XXXX
Product: Consumer Loan

The initial TILA docs showed a due date of approximately 45 days from the time I initiated the loan without revealing the actual due date is 30 days from the time the loan is closed. The final TILA docs show my due date of the XXXX of each month which caught me by surprise. The company refuses to change a due date to reflect the due date originally provided to me via the original TILA docs. I called the company and the representative stated that the original TILA shows 1 month and 14 days to allow for closing times. The TILA does not show the time frame otherwise that the first payment is 30 days from closing date. The company tells me I have 14 days from due date to avoid late fees. This is unacceptable to me as is not the due date I expected from the original TILA documents. This is an unfair and deceptive lending practice.