23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
TO WHOM IT MAY CONCERN :
I AM WRITING TO DELETE THE INFORMATION IN MY FILE. THE 
ITEMS I NEED DELETE ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE 
CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY 
CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL 
TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE 
DELETE THE ITEMS AS SOON AS POSSIBLE.
DEROGATORY REMARKS/ACCOUNTS/COLLECTIONS 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
2. XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES 
1. XXXX XXXX  2. XXXX XXXX XXXX XXXX-XXXX
3. XXXX XXXX XXXX XXXX
4XXXX XXXX XXXX XXXX XXXX
5. XXXX XXXX
6. XXXX XXXX XXXX XXXX
7. XXXX XXXX XXXX XXXX
8. XXXX XXXX XXXX  9.XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX of 2018 for my Department of Education loan account. 
I understand my financial obligations and take them very seriously. During fall of 2018, I experienced technical issues with my bank account that forced me to change my account/banking information. I believed that I had changed my account information regarding all auto draft payments. Unbeknownst to me, there were no notifications regarding my automatic draft setup with my Department of Education account. Because of this, my payment was rejected and classified as late. As soon as I became aware, I made a payment and updated the information. Overall, outside of this isolated incident, I have a history of on-time payments.
Product: Credit card

In XXXX and XXXX of this year I have been charged a {$40.00} minimum payment fee even though I paid off the amount due. On this particular card, I have a no-interest pay over time transaction. When I did use the card for other transactions I was charged this fee, even though I paid off those transactions in their entirety.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you have broken law. You are unlawfully reporting unauthorized accounts on my consumer report that has violated my federal protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given permission to furnish anything on my credit profile. You have violated me pursuant to 15 USC 1681 ( b ), the permissible purpose of my consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 102BA. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Credit Inquiry : XXXX XXXX XXXX XX/XX/2021
Product: Debt collection

Cease and with this Debt Collector for Violating the FCRA Laws. Also inaccurately reporting a collections account with balance is a direct Violation of Federal Law.
Product: Checking or savings account

An XXXX XXXX at XXXX XXXX XXXX at XXXX Utah XXXX was trying to get a loan under my name XXXX XXXX and him at a co-signer. I have no idea who this person is I dont know anyone or have never been in Utah ! It was M + T Bank that called me
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles dispute resolution process, especially in light of the recent CFPB lawsuit that has brought significant issues with the platform to light. Despite having used Zelle multiple times and reporting discrepancies, neither my financial institution nor Zelle conducted a thorough investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking the transactions was not feasible. The CFPBs findings reveal that Zelle has failed to adequately protect consumers and has allowed repeat offenders to exploit the system, leaving users exposed to scams.
Product: Debt collection

National Recovery Agency XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Validation of Debt Reported on Credit Report Account Number : XXXX Dear Sir/Madam, I am writing regarding the debt reported on my credit report by the National Recovery Agency under the account number referenced above. I am requesting that you provide validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit card or prepaid card

Im in a XXXX  country with one new Citicredit card ( which I wont do again ). I hit my limit which is unusually low from my experience. Citibank advised that I make a payment early using their pay by phone system. I immediately paid early in FULL as they advised. 
Citibank placed a hold on my payment for 7 days due to the large amount and because I paid by phone. The funds have been withdrawn directly from my checking account and I have no access to my credit line. 
I asked them to increase my credit limit, which they declined because I had reached my limit. Which comes first the chicken or the egg? 

I have an XXXX credit score. 
I have no debt, except for this credit card. My homes are paid off. I have a 1 % credit utilization as reported by XXXX. 

I am stuck in a XXXX  country with no access to credit.
Product: Debt collection

I've tried on numerous occasions to pay off this charged off account with XXXX XXXX in the amount of {$330.00}. Because I don't have an account number/credit card number I can't reach anyone to pay the debt. I've tried calling several times between yesterday and today at several different phone numbers. The last number I was given to call is XXXX. There is no option to hit 0 to speak with a customer service representative. How can I pay a debt that I can't even speak to anyone about?
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 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 update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The company name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Tel. XXXX That company call me he Im approve for {$5000.00} installments loan I give them all information my bank my user id and password on my bank account including my personal id after that told me is going to deposit {$5000.00} in my account so I give to them all need from me after I give all information ask me deposit {$800.00} for verification so see that deposit {$800.00} in my account after they want me go to XXXX to get a Card to verification but told the all ready all information he need after that my bank call me he Im doing fraud activities so going to close my account this XXXX The company is scammer Im not even sign the contract loan
Product: Credit card

I cut up my Barclays card. Any balance due is fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with the delayed removal of fraudulent items from my credit report and the multiple unsuccessful attempts to rectify this issue. I consider the handling of this matter unacceptable and am compelled to bring it to your attention formally. I discovered unauthorized and fraudulent items on my credit report. Recognizing the severity of the situation, I promptly contacted your institution to report the issue and request the immediate removal of these items. I was assured that corrective measures would be taken without undue delay. Regrettably, these fraudulent items persist on my credit report. 
Despite repeated attempts to rectify the situation by contacting your customer service department, the issue remains unresolved, causing significant distress and concern on my part. I understand the importance of maintaining the accuracy of credit reports and the urgency of addressing fraudulent activities. The prolonged delay and multiple failed attempts to resolve this matter are not only frustrating but also damaging to my financial standing. In light of the gravity of the situation, I insist on an immediate and thorough investigation into the reasons for the delays and the failed attempts to remove the fraudulent items. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent such lapses in the future. The following items should be remove as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$570.00} XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$750.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX : {$570.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

We have current account with XXXX XXXX XXXX. We are setup on an autopay and our account is in good standing. We do not owe anything. I have an extremely common name and get mistaken often for someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never Paid Late. The records reflect a 120 without preceding 30, 60 or 90 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate including address. Below are the accounts that reporting innacurate : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3300.00} ; XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$6200.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$50.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4200.00} ; XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$6000.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3300.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2400.00} ;
Product: Credit reporting or other personal consumer reports

FCRA Section 609 guarantees that consumers have the right to obtain a copy of their credit report from credit reporting agencies like Trans union, and XXXX. This provision allows consumers to request their credit reports, typically once every XXXX  months for free through AnnualCreditReport.com, or upon request for a fee in certain circumstances ( except in certain cases like identity theft or fraud ). 
If XXXX is refusing or failing to provide access to your credit report, either online or through other means, they may be violating your right to access this information as outlined in Section 609. 

[ TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX I have tried several times to obtain my current report online through annualcreditreport.com as well as their website and form with copies of my ID to no avail.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, the XXXX loan servicing company, regarding their persistent XXXX  and XXXX XXXX  They have passed my information on to another loan company without my permission, not a letter in the mail. I have received XXXX letters stating loan forgiveness to a certain amount and they are still reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I have fraudulent unauthorized hard inquiries reporting to my credit report. Please remove these immediately. Thank you! 

XXXX : XX/XX/year> XXXX XXXX  : XX/XX/year>
Product: Debt collection

I submitted a report and explained it report Number XXXX, There is a Debt with XXXX XXXX XXXX  for {$560.00} I never had a contract with this company also Diversified Consultant for {$410.00} this is not my debt I never had a contract with. According to Sec 609 ( a ) ( A ) ( 1 ) of the Federal Trade Commission, I requested for them to show me proof that I did infact make a contract with them and owe these debts and they have not provided the following information and can not because it is not my debt with them.
Product: Credit card or prepaid card

I purchased a {$200.00} VanillaOne prepaid VISA card at XXXX XXXX in XXXX as a XXXX  present. THe card never worked and the embarrassed recipient returned it to me. I tried to go onto the website and the website would not accept the information on the card and I could not get anywhere. I called the company. I got a representative who after keeping me on hold for some time told me that I had to get an original receipt from the store even though I had the credit card charge record ( I bought it with an XXXX XXXX card ). I had tried previously to address the problem with XXXX XXXX and gotten nowhere being told to come back at various times when the manager would be there-as I work full time, it was not possible for me to go at those times. At this point, I have given up on getting my moneyI will never buy another prepaid credit card. However, I thought it worthwhile to let others know about this. I believe it is some sort of scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whole this may concern, Ive been making several complaints & if im here on this website obviously I tried my best & reached the point of frustration From the lenders to the credit bureau Equifax is the only company that allow false information to remain on my credit report & I am not happy about it, its continuously holding me back & my approval odds So I would like for CFPB to take full action & look over these inaccurate inquiries that bring me here to you today I will gladly appreciate it if this matter is looked into & deleted expeditiously XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX, XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

I deposited insurance proceeds from XXXX to my checking account on XX/XX/24 in the amount of {$100000.00}. On XX/XX/24, the funds became available and were immediately used to pay off medical loans. On XX/XX/24, M & T removed the funds from my account leaving a significant negative balance. I contacted both M & T and XXXX right away. After nearly XXXX solid days on the phone with both entities, including conference calls between the two, we are at an impasse. M & T is saying they received instructions to return the funds to XXXX XXXX ( XXXX 's bank ) because there was a stop payment issued. XXXX investigated this thoroughly with XXXX, who is saying there was no stop payment or request for return of the funds. M & T refused to provide any specific information as to who requested that the funds be returned, so we can't even go back to XXXX or XXXX to follow up with that particular person. Both entities are pointing the finger at the other. Both entities are saying they do not have my funds, and neither entity is taking any steps to return the funds to me. In the meantime, I am out {$100000.00}. The money I had in the account to pay monthly bills has now been overtaken by this huge negative balance. It's now a week that my money is gone. I am desperate for some immediate relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer and natural person have been violated by EQUIFAX for furnishing inaccurate and unfair information which is ruining my character, reputation and mode of living. I was notified of this transgression of my rights specifically 15 usc 1681- The Fair Credit Reporting Act. I as a natural person have a right to privacy and was harmed by EQUIFAX furnishing an inaccurate account and unfair information to my consumer report. Your inaccurate reporting is of no value to me. According to 12 cfr 1022 a furnisher must have reasonable policies and procedures concerning the accuracy and integrity of furnished information. For violating my consumer 's right to privacy and furnishing inaccurate/unfair information you are liable up to {$1000.00} for civil damages pursuant 15 usc 1681n .
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Collection/Charge Off XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$440.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$580.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Zelle the company banned me based on other banks telling Im fraud.
Product: Credit reporting or other personal consumer reports

fradulent inquires have been made to my credit report. i have frozen my credit and taking the stpes to get my account protected transunion XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company responded on XX/XX/XXXX as a result of their investigation through the CFPB. 
Account # XXXX was " UPDATED '' and according to the credit bureaus the account is still reporting discrepancies. that I will attach below. 

{ XXXX } { XXXX } Errors & Inconsistencies Found : The date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. The date of date opened is inaccurate. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Credit limit, balance, high credit, payment history is also inaccurate. 

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. unless you want to be held {$1000.00} per violation.
Product: Credit card or prepaid card

I purchased a stroller from XXXX on XX/XX/2020. Immediately upon receipt of my purchase, I noticed upon opening the package, not only that its not what I ordered, but that it was used and dirty. I contacted XXXX to let them know of what had occurred and was told by an XXXX representative to return the item with a pre-paid shipping label that they were sending me. I sent the item back through XXXX on XX/XX/2020. Tracking ( XXXX ) showed that the item was delivered to XXXX on XX/XX/2020. Weeks went by and I never received a refund. I then started calling XXXX to try to find out what was going on. First they would tell me that they havent received the item, even though tracking showed it was delivered and then they were saying that what they received is not what I purchased. I told them that I know, and that is why I am returning it. Long story short, I was unsuccessful trying to get a refund through XXXX. I then disputed with my credit card company ( Discover ) and initially was told that they ruled in my favor and then a few weeks later they reversed the credit and I am again being charged for something that first, I received the wrong item and second, I no longer even have in my possession as I returned it to XXXX. I ended up disputing twice through Discover and was not successful. They are asking me for the original XXXX label which I dont have and XXXX can not provide, as so much time has elapsed. I provided as proof, the email from XXXX customer service telling me to return the item back to them, an email showing my return summary from XXXX, the XXXX drop-off label showing I dropped the item off at the UPS Store and a XXXX tracking receipt showing the item was delivered. Still none of this is good enough for them. I am now accruing interest on these charges and Discover is unwilling to help me further.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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, XXXXXXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX