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

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 https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed a lot of activity that was not authorized by me. I wanted to apply for a business loan and the lender brought so many things to my attention regarding my credit. that's when I noticed inquires from XXXX co XXXX Capital one usa, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX. All these hard inquires were not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are not mine. I have never authorized them at all. I do not know them and this misleading information does not let me proceed in my life. What is that? Please help me and delete them after investigation. Let me know who did it to me.
Product: Payday loan

I did not know that these people were not licensed to perform usury banking operations in California and the USA. .they charged me {$800.00} for a {$600.00} account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$88.00} I have no knowledge of this account and received no notification of this debt. I have requested receipts and confirmation of this debt and notification via certified mail of this debt and have not received. I demand this be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on XXXX, XXXX, and SageStream Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXX, XXXX, and SageStream consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities.

Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : 1. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

2. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

3. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

4. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

5. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken.

Violations of Law : I believe the verification process by XXXX, XXXX, and SageStream may violate my rights under the following laws : 1. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

2. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

4. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

5. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX, XXXX, and SageStream report. Specifically, I ask that : XXXX. XXXX, XXXX, and SageStream provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. XXXX, XXXX, and SageStream corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXX, XXXX, and SageStream report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Credit reporting or other personal consumer reports

I informed Wayfair that a fraudulent charge was on my card. I told them I did not make the purchase from XX/XX/XXXX. They sent me a letter telling me it was going to be removed from my account and credit report. THEN ANOTHER charge was fraudlent on my account on XX/XX/XXXX. THEY DID NOT CANCEL CARD! This allowed ongoing identity theft. I disputed it on XX/XX/2023 and XX/XX/2023 and they both came back verified. Citi bank reported the payment as 90 days late on XX/XX/2023. They have been informed for over 3 months that this is fraud. This information is the result of identity theft and it has dropped my credit score almost XXXX points. I called today and they said they would take care of it. This is the only negative thing on my credit report and it is causing my financial harm. They need to cancel the card and change the account number and fix my credit report to Pays as agreed, NEVER late. I'm sending my third dispute to the bureaus today along with this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX SSN : XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Credit Reporting Under the FCRA I am writing to formally dispute the accuracy of the account reported by XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) on my credit report. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verifiable. However, I have identified multiple discrepancies in the reporting of this account. 
Specifically, I noticed the following inconsistencies : The balance amount is different between XXXX ( {$3800.00} ) and Equifax ( {$3800.00} ). 
The past due amount does not match across bureaus. 
The payment status reported by XXXX states that the account was assigned to an attorney or collection agency, while Equifax only lists it as a Collection Account. 
The Last Reported Date differs between XXXX ( XX/XX/XXXX ) and Equifax ( XX/XX/XXXX ). 
The Date Last Active does not match between XXXX ( XX/XX/XXXX ) and Equifax ( XX/XX/XXXX ). 
The payment history on Equifax reflects both CO ( Charge Off ) and OK ( Current ), which is contradictory. 
Under the FCRA, I request that this account be deleted due to the account not reporting correctly. 

I have mailed this letter via certified mail XX/XX/XXXX and it was ignored. 
XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Equifax Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 send numerous of documents including my police report and identitytheft.gov documents. I have sent to Rent collection and XXXX, XXXX, EQUIFAX AND XXXX. I have gotten letters phones calls and report still showing on my credit profile.. Now i got this letter stating they wont honor my documents because a payment was made from 2 bank account that i have no knowledge of no dealing with them. This is violating my right and all of 15 USC code 1692I. USING 15 U.S. Code 1692g WHICH I HAVE BEEN REQUESTING PROOF AND NONE HAS BEEN GIVE SINCE I AM A VICTIM OF IDENTIY THEFT JUST CONTINUE TO TELL ME ITS VALID NOW IM 15 U.S. Code 1692K OF MONETARY SETTLEMENT
Product: Student loan

Requesting the Original Instrument of Indebtedness of my loan account. As I have already submitted a letter via mail dated XX/XX/XXXX, for this info and did not receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Medical bills from XXXX XXXX was sent to Credit Collection Services. XXXX company did not contact me about these bills. I did not know they had been sent to collections until I pulled a credit report. I was not contacted as to how to resolve this debt. When I contacted the Credit Collection Service, they told me they did attempt to contact via mail even though I did not receive notification. Theses medical bills incurring during the Coronavirus pandemic. Anyhow, under the CARES ACT I didn't think medical bill could be reported to collections. Please advise as to how to resolve this.
Product: Credit reporting or other personal consumer reports

XXXX are violating my rights under the Fair Credit Reporting Act. intentionally, Under 15USC 1681 and 1681s-2 I am entitled to 100 % accurate credit report. I have disputed this account for the last XXXX months. under the fair credit reporting act anything that is in accurate and complete unverifiable or incorrect XXXX to be removed. Its already been XXXX months and you are still reporting in accurate information. The date of last activity is an accurate the status is in accurate. 
I want them to remove it immediately or I will pursue legal obligations, which consist of a fine of {$1000.00} per violation. Ive been dealing with this for the last XXXX months, please remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry I do not recognize XXXX made it on XX/XX/2016 I dont know for what could u please help. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX  INQUIRY : XXXX XXXX XXXXXX/XX/24 XXXX XX/XX/24 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

On XX/XX/2020 a perpetrator used some type of scanner to acquire my XXXX XXXX XXXX Credit card and then purchased approximately {$200.00} in gift cards right behind me at XXXX XXXX. I realized the charges had occurred on XX/XX/2020. I contacted XXXX XXXX and they reviewed video of the incident. I filed a police report. I disputed the charge with my bank ( Bank of America ). My bank said they would investigate. On XX/XX/2020 I received and email notification that my bank had concluded their investigation and found no evidence of fraud, so I was not reimbursed for the charges. 

My concern is that XXXX XXXX indicated no one at Bank of America had reached out to them. So it appears to me they simply denied my claim without investigating. This is just absolutely disgusting in my opinion. Bank of America has failed me on multiple levels here. They failed to protect my finances. They failed to investigate what has happened. They have failed to fairly treat someone who has been a loyal customer of theirs for more than XXXX years. They have indicated it was more XXXX XXXX fault than their own.
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 went to the emergency room on XX/XX/2018. My part of that bill was {$250.00}. 
The collecting agency now is ARSTRAT - PHONE : XXXX # XXXX Since that time I have spent the majority of these months on XXXX XXXX  XXXX. I receive XXXX XXXX. {$250.00} is a little amount - but to me it is a lot. My mom agreed to help me with the debt even though she is retired and on a fixed income herself. She has made TWO payments in regard to this matter. However, ARSTRAT continues to bill us the full {$250.00}. I have called three times, and they always say they have no record of ever speaking with me and no record of receiving any payments, and that I need to pay the {$250.00} immediately. 

I spoke to the business office of the original billing department, which was XXXX XXXX. They DO have record of two payments, and assure me ARSTRAT has the same capability as they do to see these payments that have been made. So I called ARSTRAT back once again and asked to speak to a supervisor. They transfer me - but then the phone just hangs up and I get a dial tone. 

ARSTRAT has told me repeatedly they can't see any payments I made to XXXX XXXX, although XXXX XXXX says this is not true, and that ARSTRAT can see any payments which have been made to this service on XX/XX/18.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts on the FTC Report has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) XXXX, XXXX, AND EXPERIAN USES FORIEGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. THIS IS WHAT CAUSES HACKING AND DATA BREACHES. THEY ARE A THREAT TO THE AMERICAN REPUBLIC ASSETS!!!!
Product: Credit reporting or other personal consumer reports

went to car dealership they put more 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive tried multiple times to have all 3 reporting credit bureaus remove 3 disputes, 2 on active credit cards placed incorrectly 3 years ago and 1 on my XXXX XXXX XXXX XXXX car loan. I did not dispute my XXXX XXXX MasterCard accounts nor XXXX XXXX XXXX XXXX and have asked that this language be removed from these accounts. These credit card accounts and my car loan are in good standing and always have been but are being reported as negative as a result of this. 
Additionally, there is a {$91.00} collection from a company called XXXX XXXX this account does not belong to me I have no contract with this company and have no idea who they are I have asked that this information be removed from my report to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX