davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 items 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 XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$5800.00} XXXX XXXX  Bankruptcy Discharged Reference # : XXXX XXXX XXXX Bankruptcy Discharged Reference # : XXXX
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica (FL)

I receive retirement benefits that direct deposited on a direct express prepaid card. I tired to make a payment on my XXXX XXXX XXXX wireless account and was declined. In contacting direct express customer service I was told I wasn't approved to make these kind of purchases because I'm not on the " White List? ", I then request to be added to this unheard-of White List and am told that she will put in the request and I will be able to make purchases again after approved. I am denied this privilege and I contact them again and now am told to email a picture of my State ID card and to wait for 2 emails one confirming they received it and the other approving it. I receive the confirmation email after waiting 10 business hours and am told to wait 3 more hours and re-email it if I receive no response. I jump through all these hoops and now am unable to make any purchases or bill payments. I now have an extra charge for my phone bill and service is shut off also my power and lights service is suspended because I can not make a payment
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

These charges is not mines I'm a victim of identity theft XXXX  date XX/XX/year> amount XXXX account # XXXX and XXXX date XX/XX/year> amount XXXX account # XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am XXXX XXXX and I am making this complaint to alert you that I was the victim of identity theft. I recently obtained a copy of my credit report and was surprised to discover that there are numerous accounts on it that I did not open and am unaware of. I investigated how to delete the false accounts on my report and discovered that I needed to visit the FEDERAL TRADE COMMISSION or https : XXXX/www.ftc.gov to make a report and that Credit Reporting Agencies are obligated to remove any accounts listed on an ID THEFT REPORT under FCRA section 605b. Please see the ATTACHED materials for assistance in preventing the incorrect information that is being uploaded to my report. I'm talking about the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXXXXXX XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/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 XX/XX/XXXX. According to FCRA Section 605B ( a ), CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer designates as information resulting from an alleged identity theft within four business days of receipt.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This account listed as a charge off with XXXX XXXX XXXX XXXX is a result of identity theft. XXXXXXXX XXXX proved that the account was used to service a XXXX XXXX XXXX  a vehicle I do not or never have owned. They could not verify my address, verify a personal identification card which is required, nor did they have the correct phone number. All they simply said was that the car was registered at my address. This account was open by XXXX XXXX and I have begun legal charges against her. XXXX XXXX could not and have not provided myself or XXXX, Transunion, or XXXX accurate factual data. This account is fraud and needs to be removed. I have tried to dispute this account and the credit companies have not provided me with accurate contractual data to prove this account. Therefore by law this account needs to be removed from my credit report. Unless there is a signed contract with my signature, my drivers license, and or a power of attorney provided this account needs to be removed.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2017-12-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MA)

On or about XX/XX/XXXX the following unfair or deceptive act occurred : Quicken loan represented that you could process my refinance application without my XXXX tax return being completed. As a condition to close the loan I had to paint my house as a requirement me of closing the loan which was done at a cost of {$4500.00} After being assured 3 separate times including by a representative Quicken Loans executive office my loan could close without XXXX tax returns this turned out not to be the case. I was upfront from the 1st phone call with my constraints. In the end of the day my loan was declined due to my XXXX tax returns not being completed. As quicken Loans records all your call you can verify the facts XXXX XXXX misrepresented itself on 3 separate occasions by listening to the calls. This unfair & deceptive act or practice is, in my opinion, declared unlawful by Section 2 of Chapter 93A of Mass Law
Consumer complaint received 2017-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I received a letter from Navient about my renewing my repayment options in XX/XX/XXXX and decided to log in into my studentloans.gov account to view my documents. 
and there are multiple errors on my consolidated loan application. 

I dealt with previous scammed third party loan servicers : XXXX XXXX XXXX XX/XX/XXXX- XX/XX/XXXX, XXXX XXXX XXXX based in CA XX/XX/XXXX- XX/XX/XXXX, and XXXX  XXXX XX/XX/XXXX -XX/XX/XXXX. 
I paid {$390.00} each since I was n't full steadily and full-time. 
The third party loan servicing companies " promised '' to lower my student amounts ; however, I have n't received a call or correspondence to send them monthly payments thereafter once I paid the initial fees so I am left in the dark about my payment status. 

XXXX XXXX XXXX reported their XXXX XXXX office as my permanent address and listed my second contact person incorrect address in XXXX, PA. 
INCORRECT!!! 
I even saw the XXXX XXXX CA address listed on my 3 credit report agencies I disputed. 
I listed the second contact person since I rented a room at a house located in XXXX, NY. 

I am perplexed still about the erroneous information on my loan application at studentloans.gov and have been reading about the negativity of Navient especially the lawsuits this year. 

I even received harassing calls about my account is flagged for loan forgiveness programs I am starting to believe there are scams. 

What is the status of Navient? 
How can I begin a new year with a full-time at a union organization wasting money at a loan servicing company facing lawsuits? 

I ACKNOWLEDGE THE FACT I OWE STUDENT LOANS BUT HOW AND WHEN CAN I EVER REBUILD TRUST WITH THE US DEPT OF EDUCATION?!!!
Consumer complaint received 2023-04-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NM)

I attempted to refinance my mortgage through my current mortgage company NewRez LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Before I applied for the refinance I disclosed to the loan officer : XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX That I had items in collection and would that impact my ability to borrow. I was told by this loan officer that it was " not a problem ", his language. 

I was denied the refinance loan and among the reasons stated was the following ( see atatchmnet ) : " Serious delinquency or public collection or records filed " I believe I was the victim of predatory lending as I paid approximately {$850.00} for an appraisal of my property even though Newrez LLC would have been aware I was not eligible to apply for the refinance based upon the collections activity but pursued the loan to make collect fees.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my 2nd 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 items : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : $ XXXX XXXX Balance XXXX {$960.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$710.00} XXXX, XXXX
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have an employer from 2008 that is listed on my credit report that I was never aware of. I was employed for only 2 months with this employer and have no idea why they would be on my credit report. I have never signed anything from this employer that would warrant them to be on this report and it has been almost 8 years that this has affected my credit. I would like this removed. This was unjust and would please like a response. 
Thank you
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my 2nd 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 items : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : $ XXXX XXXX Balance XXXX {$960.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX  XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX A ) XXXX Balance : {$710.00} XXXX, XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NC)

Company : XXXX, a XXXX XXXX XXXX XXXX. 

Description of Complaint : I used XXXX 's prepaid card payment method to pay for a medical bill incurred on XX/XX/2023. This payment method resulted in a debit ( reduction ) to my bank account of {$200.00} on XX/XX/2023. 

On XX/XX/2023, I received a notification from XXXX that the prepaid card had not yet been processed by the medical services provider. I settled my bill using an alternative payment method, and contacted XXXX to request a refund. 

On XX/XX/2023 XXXX was opened in response to my refund request and I received confirmation that my payment would be refunded. 

On XX/XX/2023 I received a refund of {$200.00} in my checking account. Simultaneously with this refund, my bank account listed a reversal of {$200.00} on the same date. The net deposit, as a result of the reversal, was {$0.00}. 

On XX/XX/2023 I contacted XXXX customer support via telephone inquiring about the reversal. They opened XXXX. 

On XX/XX/2023 I was requested to provide a screenshot of the reversed refund in my checking account. I replied with screenshots of my checking transaction log, the original deposit ( including transaction reference number ), and the reversal ( including transaction reference number ). 

I have contacted XXXX on XX/XX/2023 ( the original inquiry ), XX/XX/2023, XX/XX/2023, and XX/XX/2023 ( the date of this complaint ) regarding the status of my refund. As of today, I have not been contacted by XXXX- only been informed that my case is in progress. 

See attached files for ( i ) refund request and approval by XXXX and ( ii ) most recent request from the Company, in which are screenshots of 1 ) My bank transaction record, 2 ) the refund deposit, and 3 ) the reversing transaction. I have confirmed with my bank via telephone inquiry that the reversal was initiated by XXXX.
Consumer complaint received 2023-04-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Airtm Inc. (DE)

Dear CFPB, I am writing to file a complaint against a financial institution that goes by the name of AIRTM, Inc ( https : XXXX ). I recently used their platform to exchange American dollars for XXXX XXXX, and I have been met with an incredibly frustrating experience. I believe that this institution is engaging in fraudulent practices and misleading their customers. 

To begin with, the institution has not been forthcoming with information. They have not been transparent about their problems on their website, and I was not made aware of the issues before I attempted to make my transaction. As a result, I have been left without access to my money, and my account has been blocked. 

Furthermore, it appears that this institution has a history of these types of problems. I have heard from other customers that they have experienced similar issues, and yet the institution has not taken any steps to address these problems. 

In addition, I feel as though the institution has " swallowed '' my money. I can not change my currency or resend it back to my international bank account, and I have no idea when I will be able to access my funds. This has caused me a great deal of stress and anxiety, and I believe that the institution should be held accountable for their actions. 

I urge you to investigate this institution and take appropriate action to ensure that they are not engaging in fraudulent practices. I appreciate your attention to this matter and look forward to hearing back from you. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$870.00}, XXXX XXXX XXXX Balance Owed : {$3600.00}