davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

The employment data reported on my Equifax, XXXX and XXXX XXXX credit report is inaccurate. I want the following accurate information reported and listed on my Equifax, XXXX   and XXXX XXXX credit report : Employer Name : XXXX XXXX XXXX, Position : XXXX XXXX XXXX ( XXXX  ), XXXX XXXX XXXX Position : XXXX XXXX XXXX ( XXXX  ), Salary : {$300000.00}.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (IL)

I recently had my Name placed on the Early Warnings list for Fraud by XXXX  XXXX XXXX, for years I have been battling Identity theft. Each time I open an account with my information its get closed because they person that stole my information is able to get into all of my stuff, I recently had that same person hack my email so any information I get or any identity theft protection I use. the theif is able to get into my email and unblock any attempts I use to keep my stuff from being used. now that my social is all burned up I can't open any account in my name. I have been placed into XXXX XXXX and Early warnings because of this and I'm left fighting to get my life back after the low-life that stole my information is done ruining things for me. it is extremely upsetting because no matter how many reports or complaints I make. the Authorites just keep telling me that they don't have enough information to go on. I just want my life back, I want to open a normal bank account without having to get my checks direct deposited to XXXX XXXX which is hacked every other week. This is nerve wrecking. criminals get away with this XXXX ( excuse my Language while hard working people like myself are left trying to repair the damages. I NEED HELP, I WANT MY LIFE BACK WITH A STABLE BANK ACCOUNT.
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (MD)

NELNET Stopped generating account statements in XXXX of 2020. I have been making payments routinely since that date. My annual tax statements have reflected virtually no interest paid which seems impossible as I have reduced my balance by thousands. 

I have has trouble with NELNET accounting behaviors and website in the past and I want an actual statement from their system showing it recognizes that my balance reflects the payments over the past 3 years. I am concerned that based on past NELNET behaviors when the payments restart the system will magically revert to some screwed up point and I will be hammered with interest or unreflected payments. 

I have requested that NELNET provide a current account statement and they have given me the run around. This is a condition that likely affects every borrower loan they are servicing. There is no justification for not generating monthly statements unless the servicers thinks they are going to be able to change the past and do not want a paper trail to contradict it. They also continue to fail to put an efficient traceable email communication method in place for borrowers. Their recent update has closed down the half solution form submittal driving borrows to the phones for undocumented calls or snail mail.
Consumer complaint received 2023-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Accounts : 1st is the Current XXXX  XXXX XXXX XXXX XXXX ; then Bank of America/XXXX  ; and the reason starting this FRAUD COUNTRYWIDE THST WAS FOUND GUILTY OF FRAUD AGAINST US MORTGAGE HOMEOWNERS. 
_____________________________ XXXX  XXXX XXXX / XXXX # XXXX Loan # XXXX ; then -BOA/ XXXX  - Loan # XXXX ; then - XXXX/BOA/ XXXX XXXXXXXX # XXXX XXXX XXXX ( They have and had all these loan amounts listed bogusly with bogus amounts to keep me from refinancing away without them being able to steal my equity with these bogus balloon balance ) XXXX XXXX XXXX ( is the culprit on all 3-loans ), XXXX  knows the fraud that is being committed with this bogus balloon balance ( s ). 

Balloon balances listed on my credit and payment Balloon balance listed {$150000.00} XXXX  balance list : {>= $1,000,000} ( Balloons are fraudulent and should be discharged or removed ) Illegal Fees pd XX/XX/XXXX. {$450.00} Illegal Escrow shortage : {$420.00} ( XX/XX/XXXX ) More now Unpaid bal : {$570000.00} ( XX/XX/XXXX ) wrong this should be about $ XXXX ( I have been in my home over 20 years with a 30 years and I have never missed a payment ). XXXX  started this fraud and BOA AND XXXX CONTINUED THE THEFT. 
New unpaid bal : {$620000.00} fraudulent- Please do your job and read, listen and hear what I am telling your office that is supposed to protect me. 

The XXXX  balance on my mortgage is bogus. It was place on by XXXX  illegally just before XXXX  went under due to FRAUD TO THEIR CUSTOMERS ( ME! ) I was a customer mortgage holder. This bogus XXXX  balance then passed on or was acquired by Bank of America XXXX who I sued in court but they failed to remove it due to fraud again they just tried to give me money and keep the XXXX  balance to illegally continue to steal my equity. Then because of this law suit that they tried to pass this XXXX  balance to XXXX  XXXX XXXX XXXX XXXX. XXXX knows they are still committed fraud still continuing stealing my equity and steal in each mortgage payments. They know I am XXXX XXXX XXXX and can not afford an attorney XXXX to fight in court which is why YOUR OFFICES, my governor and government should be ashamed not protecting me. I need this FRAUDULENT XXXX BALANCE REMOVED FROM MY MORTGAGE. 

XXXX  started this fraud and Bank of America and XXXX  XXXX XXXX AND XXXX XXXX XXXX XXXX knows this snd continues this theft and fraud because your offices will not do your job to correct this theft and protect me. Protect me and send this balloon balance back to XXXX the other two banks have been capitalizing offer of this fraud too long.
Consumer complaint received 2023-07-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Back on XX/XX/2021 i traveled out of the country to assist my mother who contracted COVID 19 and died a months later. After I returned to the XXXX i noticed of a late payment fee from XXXX, I immediately paid it off, and then I questioned XXXX stating that it should be a problem with my automatic payment. A representative from XXXX told me that it should be fixed in 30 days. They came back days later to say that they would not reverse the late fee. Weeks later I realized that I did not have autopay set for this account since I did not use the card for several years and I only have it set for all credit cards that I use routinary and on top the purchase was made while I was out of the country between XX/XX/2021 and XX/XX/2021. I called XXXX again and I told them that I did not make that purchase, and I went into the same routing, they promised to investigate and get back to me in 30 days. I got a letter from them stating that the charge was valid, without any kind of proof on how the validated it. I requested a copy of the investigation and I never get XXXX. I started opening disputes with the credit bureau and they had the same outcome, a letter or electronic confirmation without any proof other than a written letter. I asked the credit bureau how I could get a copy of the actual investigation, what are the proof or documents that support that purchase, and they told me that I had the right to request that from XXXX and to have a copy of every document and investigation they made. I been unsuccessful on getting anything from them from them. I did not made that purchase and they are not acting in good faith.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I was traveling in XXXX used capital one card at lot of places and my card got stolen and saw few fraud transaction which I reported and capital one denied the claim without any investigation. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount of Charge {$38.00} {$68.00} {$4.00} {$2300.00} {$4.00} {$1.00}
Consumer complaint received 2023-06-30
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX  XXXXI XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX  XXXX, has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

XXXX  XXXX  XXXX Character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2023-06-30
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. (DC)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$5.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX XXXX Balance : {$5.00} XXXX XXXX Balance : {$570.00} XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance :
Consumer complaint received 2023-06-30
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)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 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 XXXX3EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAXXXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I have already sent a letter to XXXX, XXXX Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX XX/XX/XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$10000.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (UT)

I tried for 2 days in a row to place a freeze on my credit report. However, I was unable to do so because the system says I have an account. When I tried to change the password it sent an email to XXXX which I closed on XX/XX/XXXX due to numerous spam, scam and phishing emails received daily because XXXX sold my personal info without my permission. I was unable to respond to the " code '' sent there because I no longer have that email address. Because I was unable to log in, I had no way to change the email address. I tried 2 numbers to call Experian to get a live agent. Both numbers sent me to automated system XXXX and disconnected me numerous times because I didn't want an AI system helping me! I needed a live agent to walk me through the process. They had no clear instructions on how to make the change myself either. I was able to successfully do the freeze on XXXX XXXX and XXXX. I could not get it done on Experian. Why?! I also was unable to get live help, again why?! This is not good business but I suspect Experian does not care. I tried to set up a new account and couldn't do that either. Why? Because the create an account link was not functioning nor responded at all. Do they care? I bet they don't! Their web site really sucks! I received a disturbing call from a scammer claiming they approved me for a $ XXXX unsecured loan with some fraud company in XXXX, WY. I was concerned since I've had 2 debit cards compromised with 2 financial institutions in XX/XX/XXXX that someone got hold of my info. I immediately placed freezes on my XXXX XXXX and XXXX reports. But I'm unable to do it with Experian which houses the bulk of my credit! So I'm more at risk with this bureau than the other 2!
Consumer complaint received 2023-06-30
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my 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
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX DOB : XXXX Todays Date : XX/XX/XXXX In accordance with the Fair Credit Reporting act. 

The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 ACCOUNTS : 1 ) XXXX XXXX XXXX XXXX XXXX ( ALLEGED ACC # XXXX ( DATE ALLEGED OPENED : XXXX  ) ( ***VERFICATION OF DEBT REQUESTED ) ( NO RESPONSE 60 DAYS ) ( DEMAND IMMEDIATE DELETION ) 2 ) XXXX XXXX XXXX : ( ALLEGED ACC XXXX XXXX XXXXXXXX ) ( DATE ALLEGED OPENED : XX/XX/XXXX ) ( ***VERFICATION OF DEBT REQUESTED ) ( NO RESPONSE 60 DAYS ) ( DEMAND IMMEDIATE DELETION ) 3 ) XXXX XXXX XXXX  ( ALLEGED XXXX # : XXXX ) ( DATE ALLEGED OPEN : XX/XX/XXXX ) ( ALLEGED ORIGINAL CREDITOR : XXXX XXXX ) ( ***REINVESTIGAION OF DEBT REQUESTED ) ( NO RESPONSE 45 DAYS ) ( DEMAND IMMEDIATE DELETION ) 4 ) XXXX XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) ( OPENED : XXXX  ) ( ALLEGED LATE PAYMENT DATE XXXX XXXX ) ( REMOVE THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT IMMEDIATELY ) 5 ) XXXX XXXX XXXX  ( ACCOUNT NUMBER : XXXX ) ( OPENED:XXXX ) ( ALLEGED LATE PAYMENT DATE : XXXX XX/XX/XXXX ) ( REMOVE THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT IMMEDIATELY ) 6 ) XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) ( OPENED:XXXX XXXX ( ALLEGED LATE PAYMENT DATE : XXXX XXXX ) ( REMOVE THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT IMMEDIATELY ) 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 an 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.
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (TX)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$550.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX Balance : {$540.00}.