23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/year> TransUnion : XXXX XXXX XXXX, XXXX, PA XXXX RE XXXX Remove a collection The purpose of my letter is to dispute the following collections that are wrong and unauthorized. Please remove it from my Transunion credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 

XXXX XXXX XXXXXXXX XXXX Balance - {$240.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit card

So I got this {$50.00} AMEX gift card for XXXX and I have been trying to use it for the past week on multiple stores online, and all of my payments decline! I checked the balanced and sure enough there's {$50.00} in there but it wont let me buy anything. The card is just useless now and I dont have {$50.00} anymore. : (
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with Calrity Services XXXX Please prioritize this matter for prompt action. I have tried to email them, at Clarity Services Inc., a part of Experian Consumer Support Division XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX But I am not getting any response or completion of my request. 
"
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXXXXXX Balance : XXXX Original Creditor : XXXX XXXX XXXXXXXX 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
Product: Money transfer, virtual currency, or money service

My money git taking from me in they did nothing about it
Product: Credit card or prepaid card

In XX/XX/XXXX, a friend of mine ( a fellow member of the XXXX XXXX XXXX ) told me about the amazing offers that Barclay Bank had for XXXX XXXX XXXX members. He told me if I applied for a LUXURYGold Card, I would receive 0 % APR, pay no annual fees, get airline credit, plus many more perks. I was thrilled with the idea of having a card with no APR and no annual fees, that way I could pay off years of credit card debt without incurring interest on that debt. I called Barclay to ask them about the card, and they told me they were proud to serve members of the military and that they did in fact offer 0 % APR credit cards with NO annual fees to XXXX XXXX service members for the entire duration of time the are on XXXX XXXX. The only condition was to supply the bank with a copy of my leave and earnings statement ( LES ) to prove I was XXXX XXXX. I applied for the card, and got accepted. The {$990.00} annual fee for the card was applied, but as soon as I sent them my LES, the refunded the amount. Fast forward to XX/XX/XXXX, while XXXX to XXXX XXXX, my wife begins receiving letters from LUXURY Card stating that because I applied for the card after I entered onto XXXX XXXX, the conditions of the service member 's civil relief ( SCRA ) act did not apply to me ; therefore, they were going to begin applying the {$990.00} annual fee, but still offer me 0 %. I never applied for the SCRA with this company, nor did I even know of the existence of the SCRA when I did apply for the LUXURY Card. All I was told by LUXURY Card when I applied was that they offered a credit card with 0 % APR and no annual fees to XXXX XXXX members of the XXXX for the entire time the serve on XXXX XXXX. I know many service members who have also applied for this card because of the unbeatable perks they offered to XXXX XXXX service members. Now Barclay Bank and LUXURY Card are apparently able to change the terms and conditions of their agreements without repercussions, and XXXX XXXX personnel have to pay the price. I feel like Barclay Bank and LUXURY Card have unfairly baited hundreds, if not thousands, of service members into applying for an unbelievable offer, only to turn around and start charging them their exorbitant annual fee. This practice is appalling. I plead for you to open an investigation into the matter for all XXXX XXXX service members who were swindled by Barclay Bank and LUXURY Card. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO SUBMIT NEW DISPUTES, WITH SUPPORTING DOCUMENTATION, UPLOADED, BUT TRANSUNION WILL NOT ALLOW THE DISPUTES TO BE REVIEWED, AND ALONG WITH NOT ALLOWING THE DISPUTES TO BE REVIEWED, TRANSUNION WILL NOT CORRECT THE INACCURATE INFORMATION, AND THE INACCURATE REPORTING, UPON MY CREDIT REPORT ... EVEN WITH THE EVIDENCE, OF INACCURACIES, PROVIDED. 

I HAVE PROVIDED PROOF OF PAYMENT, ON TWO CREDIT CARD ACCOUNTS, FOR EXAMPLE, AND THE CREDITORS CONTINUE TO REPORT 30 - 60 DAYS LATE, EVEN WITH PROOF OF PAYMENTS. TRANSUNION HAS NOT CORRECTED THE REPORTING, EITHER, AND WILL NOT ALLOW FOR MY SUPPORTING DOCUMENTATION, AND DISPUTES, TO BE REVIEWED. TRANSUNION WILL NOT CORRECT THE INACCURATE REPORTING, EVEN WITH REVIEWING MY PAYMENT HISTORY, ON BOTH ACCOUNTS. 

THE TWO CREDIT CARD ACCOUNTS, FOR WHICH, I AM REFERRING ARE XXXX  CARD AND XXXX  CARD. BOTH ACCOUNTS ARE REPORTING 30 DAYS LATE IN XX/XX/2022 AND 30 - 60 DAYS LATE, IN XX/XX/2022. I WAS NOT 30 DAYS LATE, IN XXXX, AS THE COMPANIES ARE REPORTING. MY PAYMENTS WERE DUE, ON BOTH ACCOUNTS, ON XX/XX/XXXX, AND I MADE THE XXXX PAYMENTS, AND XXXX PAYMENTS, TOGETHER, ON XX/XX/XXXX, ON BOTH ACCOUNTS. THEREFORE, I WAS NOT 30 DAYS LATE, ON XXXX PAYMENTS, AND I WAS EARLY, ON XXXX PAYMENTS, BECAUSE XXXX WAS DUE, ON XX/XX/XXXX, AND I MADE THE PAYMENTS, ON XX/XX/XXXX. THE XXXX  CARD PAYMENT WAS FOR XXXX DOLLARS, ON XX/XX/XXXX, AND THE XXXX  CARD PAYMENT WAS MADE FOR XXXX DOLLARS, IN XX/XX/XXXX. ONCE AGAIN, BOTH, XXXX AND XXXX PAYMENTS WERE INCLUDED, IN THE XX/XX/XXXX PAYMENTS. 

TRANSUNION, AND THE CREDITORSXXXX XXXX AND XXXX, ARE NOT CORRECTING THE INACCURATE INFORMATION/REPORTING, ON MY CREDIT REPORT. MY CREDIT SCORE IS BEING NEGATIVELY AFFECTED, WHICH IS MAKING IT IMPOSSIBLE, TO BE APPROVED, FOR CREDIT, WITH OTHER CREDITORS. I AM REQUESTING THAT THE INACCURATE REPORTING BE CORRECTED, TO REFLECT " NEVER LATE '' AND " PAID AS AGREED '' AND A " CURRENT '' STATUS, WITHIN XX/XX/2022 AND XX/XX/2022. THERE IS INACCURATE REPORTING, ON A PREVIOUS MONTH, AS WELL, ON BOTH ACCOUNTS, BUT THE CREDITORS CONTINUE TO CHANGE THE MONTH, WHICH THEY ARE REPORTING AS, " LATE '', IN THE PREVIOUS MONTH, WHICH IS BEING REPORTED, AS " LATE ''. TO EXPLAIN, FURTHER ... CURRENTLY, I BELIEVE, THE CREDITORS ARE REPORTING XX/XX/2022, AS LATE, AS WELL. I WAS LATE, POSSIBLY, BUT I WAS NOT 30 DAYS LATE, AS BEING REPORTED. ALL, WHICH NEEDS TO BE DONE, IS REVIEW MY PAYMENT HISTORIES, WITH THE CREDITORS, AND IF I WAS NOT 30 DAYS LATE, THEN, DO NOT REPORT, AS 30 DAYS LATE. A SIMPLE SOLUTION...
Product: Credit reporting

I have attempted to dispute several inquiries multiple times with Transunion and they refuse to investigate these fraudulent inquiries. I have contacted all creditors directly and they have referred me back to Transunion. These inquiries into my credit file were not authorized. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX I am requesting information on how Transunion conducted their investigation into my previous dispute ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Product: Debt collection

lvnv funding knowingly purchased a credit card account knowing that i could not pay because i am currently unemployed and then filed a lawsuit with a friendly court to get a judgement put on me with an attempted to seize my property. i have communicated with the collection agency repeatly about my financial situation and it has falling on deaf ears now they are trying to use the law in there favor to try and add farther hardship on my situation there need to be an investigation on the practices of tis company. i need you to intervein in this company business practices because they are hurting people with there tactics.
Product: Debt collection

Comenity is repeatedly calling me to collect on a debt. They call me repeatedly all day long starting at XXXX. On XX/XX/XXXX they called me 9 times and XX/XX/XXXX XXXX times!!!! I feel like I am being harassed at this point. I have kept a log since XX/XX/XXXX. The following is a list of dates and times that I received a call from them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request [ Your Account Number ( if known ) ] Dear Sir or Madam : I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
Identify item ( s ) resulting from XXXX  that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ). It may also be helpful to include dates and account numbers. ] Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need everything token off of my credit report because it wasnt me. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my consumer report, and I have noticed multiple debts added onto my account without my knowledge. In pursuant to 15usc1681 ( 4 ) Transunion must exercise their grave responsibilities with fairness, impartiality, and respect for my privacy. In the end of XXXX, Transunion added 7 accounts with the name DEPT OF EDUCATIONXXXX with a balance of {$26000.00}. This is a violation of the fair credit reporting act and violation of congressional findings. This is a violation of my privacy, and I did not consent for the 7 accounts to be reported into my consumer report. This is impartial because Transunion does not see me as a consumer, they see me as a product where other 3rd party corporations and themselves can profit from my account and name. Transunion has no respect for fairness. This is limtiing my opportunity to use my credit for other services. In pursuant to 15usc1681 ( 1 ) unfair credit reporting undermines my confidence in the banking system since the banking system dependent on fairness and transparency which lessons the functioning of the banking system. I have named 2 violations from the fair credit reporting of the congressional findings and there are many more. I demand the 7 accounts to be removed from my consumer report.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft! Please take action and remove them from my credit report asap! 

UNAUTHORIZED INQUIRY : XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a claim with the cfpb against National Credit Systems , Inc. in 2020, National Credit Systems , Inc is reporting a debt that doens't belong to me and it furnished an address to my credit report that doesn't belong to me. I filed a identity theft report and the information was never blocked from reporting on my credit report, which is a violation. I am requesting that these items be removed from my credit report immediately. attatched is the documentation that should support my claim. I am having difficulty applying for a mortgage because of this fraud account that still reporting on my credit report. XXXX XXXX XXXX  has already removed this item from my credit file and I am waiting for XXXX and National Credit Systems , Inc to do the same.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue I have been experiencing with Sofi Banking. After attempting to submit a dispute, Sofi Banking immediately placed a hold on my checking account, stating that it was pending closure and preventing me from accessing my funds. This situation has been ongoing for four months now, and despite numerous phone calls, I have not received any clear answers regarding why my account is pending closure or when I will be able to access my money. 

This situation has caused me significant financial hardship and stress, as I rely on my checking account for everyday expenses. I have complied with all requests for information and have not been provided with any indication of wrongdoing on my part that would warrant the closure of my account. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and assist me in resolving it as soon as possible. I believe that Sofi Banking 's actions are unjustified and that I should be allowed access to my funds without further delay. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX.
Product: Debt collection

AlliedInterstate sent me a letter stating that I owe XXXX XXXX {$160.00}. I moved out of the storage unit and swept it clean on the night XX/XX/19 at approx. XXXX. I do not owe this company any further rent. I have email confirmation that confirms my date of move out. 

AlliedInterstate is attempting to collect on a debt that is invalid.
Product: Money transfer, virtual currency, or money service

I had a verified venmo account i have had the account a good while used it with no issues... they all of a sudden stopped letting me add my debit cards of which I have XXXX and XXXX had previously been connected to the account... .I called customer support about it and also about the fact I never received my venmo card ... and I kept getting an error code..after the rep fixed the error code I went to send the remainder balance of XXXX dollars and some change and immediately got a message that my account was suspended ... that is perfectly fine however I want my money transferred out to either one of my debit cards they have on file ita absurd that they suspended my account but conveniently are holding my hard earned money hostage ... I'm not verifying this account again I want it closed and I want my money immediately this is not right for them to suspend accounts for no reason and conveniently hold their balance and refuse to give it to them ... and from what I've read this is not just a few incidents they are doing it repeatedly and it's stealing people 's money if you ask me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting documentation ( XXXX XXXX ) I have submitted many documents and have given each respected company more than enough time to respond accordingly, There needs to be upheld justice, companies must follow the Law The FDCPA is clear on its laws and each company that is listed below have violated my reputation and I demand answers accordingly to each violation represented.
Product: Credit reporting or other personal consumer reports

For the past 6 months I've been trying to remove a Bankruptcy file from XXXX, XXXX and TransUnion and they have denied me with all my efforts. I started with the court that is attached to this file number, they responded by letter stating that they do not disclose these cases to credit bureaus. Simultaneously I requested a full report from XXXX XXXX and they too had a bankruptcy file on my records with them but after sending out a letter to them asking that it be removed if they could not show me where I consented to them reporting my information ; they proceeded to remove this account and also sent me an update that it had been removed. Their response ( letter from XXXX ) along with my court response was sent out to XXXX, XXXX and TransUnion on two different occasions which they claim their resources to be accurate. Neither of these bureaus have let me know who their " sources '' are that they are receiving my personal information from and I feel as though I am entitled to know that information. This is a misuse of my personal information and has truly affected my lively hood. Looking forward to the CFPB assisting me on this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. 
It is the result of my personal information being stolen and used without my authorization or knowledge I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please block and/or delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

Dear Experian dispute department : The items listed below must be removed from my credit report due to violations of the Fair Credit Reporting Act violations of 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) : According to the law, you are required to add a notice within 30 days, and not 1 day over, and I have evidence that this was not done. You have cause me to miss out on housing and credit opportunities as this was not done, causing my credit report to be furnished inaccurately. As a consumer, I am protected by law and these account need to be deleted immediately. If this issue is not resolved, I will pursue monetary damages for the violation of my rights in small claims court under 15 USC 1681n, which outlines civil liability for noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$30000.00}, {$11000.00}, {$680.00}, {$13000.00}, {$6200.00}, {$5500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S
.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

XXXX. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$680.00} -This is not my account. 

-- XXXX XXXX XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 


-- XXXX ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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 XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX