23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

SOMEONE USED MY IDENITY TO OPEN A CITI BANK CREDIT CARD WITHOUT MY PERMISSION.
Product: Credit card

Ive been waiting over 8 weeks for my XXXX points to be applied to my account. I got a new credit card from British Airways thru Chase Bank in XX/XX/year>. I completed all the requirements, spending threshold and I paid full amount of statement. I was told by BA that the points would be applied to account after XXXX statement was generated and payment made. That was all done in XXXX. Still no XXXX points! Sent several emails and made numerous calls to BA Executive Club. No response to any of the emails other than BAs acknowledgement of receipt of my email. Everyone I spoke with told me something different at BA customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

us dept of education has two accounts appearing wrongfully on experian, XXXX  and XXXX  ... ..they are both account no.s XXXX and XXXX.BOTH OF THE ACCOUNTS HAD A FINAL PAYMENTXX/XX/2011.both of the accounts have been delinquent sinceXX/XX/2011 and never were brought current.So according to the FCRA both of the accounts should have been removed from all of my credit files about 1.5 years prior.THE DATE OF FIRST DELINQUENCY IS INXX/XX/2011.THIS IS CAUSED BY MISREPORTING OF THE CREDIT HISTORY.THIS IS A VERY GRAVE ERROR ON THE PART OF THE CREDITOR AND BUREAUS.THE BUREAUS INVESTIGATION MUST INCLUDE WHAT I HAVE JUST STATED AND BE DELETED.ANY OTHER BEHAVIOR WILL LEAD TO INJUNCTION OF THE SUIT IMMUNE CREDITOR AND A STATUTORY WITH LIKELY PUNITIVE DAMAGES AGAINST THE BUREAUS.BEING A REPOSITORY CARRIES OTHER FCRA DUTIES SO WITHIN 30 DAYS ALL BUREAUS MUST REMOVE THESE 2 ACCOUNTS BECAUSE WHAT I HAVE SAID IS FACTUAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was paid XXXX auto deduct from bank account. XX/XX/XXXX Negative Charge off on my credit report. I contacted XXXX referred to XXXX. Balance " XXXX '', I paid XXXX. After over 20 disputes to Experian & 50 + to XXXX who does not check my payments. XX/XX/XXXX XXXX XXXX Branch Mgr. took the time to research. Attached letter. XX/XX/XXXX they started sending me checks for overpayment made auto direct bank account. This shows a Red Negative On Experian Report. It should show over 60 days Not Negative Red. This is seen as a bankruptcy or judgement. I paid ... Experian sends to XXXX   who refused to remove RED negative Chargeoff NOW {$6900.00}. XXXX XXXX XXXX removed from report this dispute with attached letter. Please help me, Experian should remove RED negative. It will show on 60 over category. I have 3 other accounts I paid over 60. This is the only account with RED negative. My score XXXX I am XXXX with fixed income. I spent my retirement check paying all debts. This is wrong and Experian will not code correctly. This is my last resort, I will have charge off for 7 yrs on account I paid in full. As it turns out I paid TOO much. Good luck and God Bless
Product: Credit reporting, credit repair services, or other personal consumer reports

I have stated that the following inquiries where done by someone who had stolen my laptop all were done online without my knowledge or authorization. Please Delete all the unauthorized inquiries listed below. 
XXXX - XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I Submitted On numerous occasions the inaccurate reporting on my credit file for ability recovery collections. they immedicably don't provide me the proper investigation on my credit report. they are hurting my file and character as reporting inaccurate information. they don't send me any proof to validate this inaccurate report.
Product: Credit reporting or other personal consumer reports

My personal and financial data has been compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach was a clear violation of XXXX and your responsibility to safeguard my information. Given the severity of the breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. This complaint was sent to my student loan provider as well as the complaint department with the Dept. of Education. My total amount of debt for this is {$45000.00}.
Product: Debt collection

The credit reporting agencies are reporting that I owe student loans when I in fact have a XXXX balance. I have tried to update the information several times to no avail. This is a violation of my consumer and needs to be updated to zero balance immediately. 

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Product: Credit reporting or other personal consumer reports

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 : DEPT OF EDUCATION/XXXX  XXXX Balance : {$4400.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$2800.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$4800.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$9300.00} XXXX  XXXX XXXX Balance : {$660.00} XXXX  XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : -
Product: Debt collection

Consumer adjustment company has never sent to me any correspondence ( written or phone calls ) regarding the alleged debt that showed up on my XXXX  credit report on XX/XX/2020. I sent a dispute to the credit bureau on that day online and mailed a certified letter to Consumer Adjustment company on the same date requesting validation of the debt and the right to collect for alleged debt. The letter was delivered and signed for on XX/XX/2020. The alleged debt was then added to my XXXX  credit report on XX/XX/2020. This company is in violation of the FDCPA the debt was not validated within 5 days of the initial contact which was the entry onto my XXXX  credit report, because there was no other communication emailed or mailed to me. There also has been no documentation to validate the debt since the receipt of the certified letter but continued collection efforts on part of Consumer Adjustment Company. After submitting this complaint my next step will to be to file a formal complaint with the Consumer Financial Protection Board.
Product: Debt collection

AXX/XX/2018I noticed a bill from XXXX in the mail. I didn't have a XXXX account so I ignored it. XX/XX/2018 I recieve a notice from Convergent outsourcing saying I was in collections for a debt of XXXX. At this point I contacted XXXX  directly. They asked me information and they verified that there was an account created in my name. The number was a DC based phone number and they noticed that a phone had not been purchased under this account. I asked the XXXX personnel whether an account could be created via online contact only. It was stated in order to establish an account with charges you would have to be at an XXXX XXXXocation. At this point I was asked for the password to the account which i didn't have. I was told not to worry about collections and that this account issue would be investigated. Soon after this I noticed that I had other accounts issued in my name. At this point I set up a credit monitoring service and issued a fraud alert and locked my credit so that I could not be further compromised. XX/XX/XXXX I was contacted by a debt collector I can only assume is related to Convergent and stated to the the person on the phone that I had issued a fraud alert and that my identity had been stolen. I also stated that I had filed a police report related to these events.The individual on the phone ignored my statement and tried to say that I was still responsible for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited XXXX auto dealer on XX/XX/22 at XXXX & was informed by rep/manager XXXX AKA XXXX XXXX XXXX could take a look at my credit with out running a full report. Which would effect my credit ( hard inquiry ). I was informed this would not happen but I was informed by XXXX credit bureaus that this is not on my report. As of XX/XX/22. This rep lied.
Product: Credit reporting, credit repair services, or other personal consumer reports

With all 3 credit bureaus I have tried to dispute matter that is one debt  reported by numerous collectors for different amounts ranging from XXXX to almost XXXX they took well over 30 days when I first requested information regarding debt and never sent information. XXXX  is listed as original creditor and XXXX  also XXXX XXXX XXXX  and another XXXX XXXX all are reporting this debt on credit report.
Product: Debt collection

I have been dealing with Summit Receivables for almost a year now. They claim I owe on an online payday loan. I have requested proof of the debt two or three times. I did have some debt so I took their word for it and set up payments. They would only take payments by me giving them my account information and making automatic deductions. Immediately I had issues with them taking payments at times that were not agreed on. I have tried to work with them several different times. I would not set up any more payments with them until I receive proof of debt. As of last month, they attempted to pull funds from my account XXXX different times, even though I have not given them permission to access my account. I have been told different things in regards to proof of debt. At first, they said they do not send anything through the mail, only email and then later said the account states I have been mailed proof. I did receive an email giving me their business license. I have never received anything in regards to the actual debt. If this is a legitimate debt, I 'm sure payments have been applied and it seems I should have a right to know what that account looks like. I 've asked them to not call me at work as I am not allowed to take personal calls at work. They have continued to call me over the months at my job. Today I received a call at work telling me that I owe money. When I explained the situation, I was told because I have made payments, I do not have the right to receive proof of debt. I was also told that my employer would be contacted. The representative was very rude when I asked for my right to receive proof and reminded him that my account should be noted that I have asked to not be called at work. He said he was turning it in as a " failure to comply '' and to expect a lawsuit. He also claimed they have called my phone several times but I have not received any messages from them in a few months. I have paid off debt with other agencies and I have never dealt with anything like this. I have looked them up and they seem to be a real company but their practices are very questionable and seem to disregard my rights time after time. I filed a complaint with the XXXX several months ago and they would never respond to my actual complaint of them disregarding my rights. Instead they responded saying they would stop contact on XXXX of the loans. They claim to have XXXX separate loans.
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 Inquiries : XXXX XXXX XXXX XXXX  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 reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX  - XX/XX/year> XXXX
Product: Credit card or prepaid card

I applied for a XXXX XXXX Credit Card and was denied. The letter denying my request stated, " Our records indicate that a previous credit card account that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency or other negative performance ''. 

I did have a XXXX XXXX bankruptcy in XXXX and all creditors were paid what the court requested that I pay. Barclays states that they are still showing a balance due on my old account that was included in my bankruptcy. I explained to them that my obligations were fulfilled and that they should have no balance on any account from me. My credit reports all show NO negative standings. Barclays stated that they did not pull a credit bureau report and because they are showing that balance ( which should have been written off XXXX, they can not issue me that credit card. 

No matter what I stated to them, even stating that it has been 7 years and my credit is now excellent, they said it did not matter, because they are still showing a balance, even though they should n't. 

Can you help me with Barclays to get this account balance removed and hopefully receive a credit card from them.
Product: Credit reporting or other personal consumer reports

Heres a draft of how you can describe what happened to the CFPB in your dispute : In XX/XX/XXXX, an unauthorized credit card account was opened with XXXX XXXX under my name and personal information. I did not apply for, authorize, or have any knowledge of this account being opened. The account was issued with a credit limit of {$5000.00} but is currently showing a balance of {$5200.00}, which exceeds the limit ( 104 % utilization ). I discovered the account 's existence in XX/XX/XXXX when reviewing my credit report. 

The account has severely impacted my credit score due to missed payments, showing delinquencies starting in XX/XX/XXXX and continuing for several months. I have not made any payments on this account, as I did not authorize it. The account was closed by the consumer in XX/XX/XXXX, but this action was not taken by me. 

I reached out to XXXX XXXX to dispute the account and informed them that my identity was used without my consent. Despite my efforts, the account remains on my credit report, and I am requesting that this fraudulent account be removed and my credit report corrected to reflect that I was a victim of identity theft ... ... ... ... ... ... XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , CA XXXX USA ( 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. And I want these accounts Removed from my Credit Report. 

1- XXXX (  CLOSED ), Acct Number XXXX XXXX  Reported Balance {$5900.00}. 
Date Opened XX/XX/XXXX. 
2-XXXXXXXX XXXX ( CLOSED ), Acct Number XXXX XXXX Reported Balance {$3400.00} Date Opened XX/XX/XXXX. Account Status CHARGE_OFF 3-XXXX ( CLOSED ), Acct. Number XXXX XXXX Reported Balance {$14000.00} Date Opened XX/XX/XXXX. Account Status CHARGE_OFF 4-XXXX - XXXX XXXX ( CLOSED ) Acct. Number XXXX XXXXXXXX Reported Balance {$6000.00} Date Opened XXXX XXXX, XXXX. Account Status CHARGE_OFF 5-XXXX XXXX ( CLOSED ) Account Number XXXX XXXX Reported Balance {$0.00} Account Status CHARGE_OFF Date Opened XX/XX/XXXX. 
6-XXXX - XXXXXXXX XXXX ( CLOSED ), Account Number XXXX XXXX Reported Balance {$26000.00} Account Status CHARGE_OFF, Date Opened XX/XX/XXXX 7XXXX XXXX XXXX XXXX XXXXXXXX ( CLOSED ), Account Number XXXX XXXX Reported Balance {$19000.00} Account Status CHARGE_OFF, Date Opened XX/XX/XXXX. 
8-XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX Reported Balance {$2100.00} Account Status CHARGE_OFF, Date Opened XX/XX/XXXX. 
9-XXXX XXXX XXXX ( CLOSED ), Account Number XXXX XXXX Reported Balance {$5800.00} Account Status CHARGE_OFF, Date Opened XX/XX/XXXX XXXX XXXX XXXX  ( CLOSED ) Account Number XXXX XXXX, Account Status CHARGE_OFF, Date Opened XX/XX/XXXX. 

These accounts in my report 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: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint again to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts 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/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX