23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, IN XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX XXXX : {$480.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$960.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX XXXX : {$480.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$960.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$10000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$5700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX PXXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XX/XX/XXXX
Product: Vehicle loan or lease

XX/XX/XXXX - refinanced car with XXXX XXXX XXXX. Called west lake financial and received 10 day payoff balance. 
Wrote check signed. and mailed off that day. 
XX/XX/XXXX- letter received from west lake financial thanking me for being a customer and states that they realesed of interest document to appropriate party. Stapled is original retail installment sale contract. Stamped paid. 
XXXX-received statement reporting total amount due. XXXX due date : XX/XX/XXXX Everything is great, credit, bank, west lake financial, until ... 
XXXX receive statement with payoff balance @ {$550.00}!! 
Called company multiple times and Received attitude from collections and customer service and refused to settle or come to an agreement. And demanded their money and all of it. I have disputed with another credit company and they ruled in my favor and reverted my credit score back to where it was before my issue with this company.
Product: Payday loan, title loan, personal loan, or advance loan

Around XX/XX/year>, I submitted a pre-approved personal loan application to BHG Financial via a custom offer on XXXX XXXX. 

By XX/XX/XXXX, a Finance Manager from BHG sent an email with the subject " Your BHG Loan Approval '' and a message stating " XXXX XXXX with BHG. Great news, we got you approved! Is there a time today or tomorrow that we can schedule to discuss everything? Please let me know when will work best for you and congratulations. '' The entire thread of this correspondence is attached. 

I spoke with XXXX and, by XX/XX/XXXX, I had submitted all the necessary information ( via unsecured email ), agreed to the loan terms, and signed the contract. Everything was supposedly set. 

Then later that day, I received a very sloppy email ( also attached ) from a " Funding Coordinator '', XXXX XXXX, who had the professionalism of an inexperienced intern, asking for additional information including 3 months bank statements and another photo ID verification, confirmation of my address, and another email address. 

I questioned why I needed to submit all this additional information when I'd already sent my financial details, verified my ID, and my approved loan contract was already signed. I received very dubious reasoning in response ( see email ) with demands that my loan won't be funded unless I complied. 

So I sent the requested information, again via unsecured email, and confirmed the questions they asked. I only refused the additional " ID verification '' because it actually required me to download a dodgy app to my phone and take photos of the inside of my home that was very creepy/stalkery ( and it wasn't simply another ID verification as stated ). They also pressed again for additional email addresses to contact me and added the requirement to now submit personal bank statements of my husband ( who had nothing to do with this loan ). 

Ultimately I refused providing anything else. I felt very uncomfortable providing so much personal information via unsecured email and especially the requirement of taking photos of my home and sending my husband 's bank statements ( again, he was not named on the loan ). 

I asked multiple times why my loan had already been approved with contracts signed, but then I was required to submit so much more information for it to be " actually '' approved. I never got a clear answer. 

At this point I had lost all faith in the security of this institution and told them to cancel my loan and delete all my personal records ( who knows if they did ). 

I've never had such an unprofessional experience and don't believe they're adhering to banking regulations.
Product: Checking or savings account

Never credit my account as laws States per deposit agreements. Stealing all my securities from opening the account.
Product: Payday loan, title loan, personal loan, or advance loan

Accion Opportunity Fund reports a loan that was taken for XXXX XXXX XXXX in my personal credit report as charge off. XXXX XXXX is a limited liability company and I did not sign as a guarantor for the loan. Due to natural disaster in XXXX XXXX, XXXX on XX/XX/2023, my XXXX suffered loss of income and earning capacity. That's why I couldn't pay for the remaining balance on the loan due to high interest, late fees and other junk fees. I told them that I was negatively affected by the disaster but they still report this loan in my personal credit as charge off account.
Product: Debt collection

Despite my attempts to correct errors on my credit report, the credit bureaus have : -Reported inaccurate information that does not belong to me. 
-Failed to investigate and correct the errors within the legally required 30-day period ( FCRA 611 ( a ) ( 1 ) ( A ) ).

-Continued reporting incorrect negative items, harming my creditworthiness.

2. Laws Violated : The credit bureaus have violated : -FCRA 607 ( b ) Duty to maintain accurate and up-to-date credit reports.

-FCRA 611 ( a ) Obligation to investigate and correct disputed information within 30 days.

-FCRA 605 ( a ) Prohibition against reporting outdated negative information.

3. Previous Lawsuits & Regulatory Actions : These companies have a history of violating consumer protection laws : -In XXXX, the CFPB fined XXXX and XXXX {$3.00} XXXX for misleading consumers and failing to provide accurate credit information. 
- In XXXX, XXXX settled a {$650.00} XXXX lawsuit for improper credit reporting and dispute handling. 
XXXX XXXX data breach settlement ( $ XXXX XXXX ) further highlights their failure to protect consumer information. 

I request the CFPB to take action against these credit bureaus for their repeated violations of federal law, causing undue harm to consumers. Please keep me updated on the status of my complaint and any actions taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  & Experian are still reporting inaccurate information by XXXX XXXXXXXX XXXX. They are reporting a balance and updating monthly on an account that has been paid some time ago. I have disputed it with the bureaus and they claim it is valid even though XXXX  XXXX XXXX says it is XXXX and they are not the ones reporting wrong. They claim it is the bureaus who need to remove it.
Product: Debt collection

Hello, I am disputing this bill because it was never submitted to my Dental Insurance Provider. Instead, they are billing me in full. I have contacted their Billing Representative on several occasions and each time she said she would process the bill and send it to my carrier. This has yet to happen. She also explained that this is an error on their end and that she would fix the issue. They have all of my provider information but they have not processed it. This has been going on for over two years now and they have yet to resolve the complaint. I want this removed from my credit report immediately and my insurance carrier needs to be charged for the outstanding balance. Once this has been done, I will be happy to pay my portion of the bill. Each time I contacted the Billing Manager she said that is what they would do. Again, please remove this from my credit report immediately as this is their billing error not mine.
Product: Debt collection

I received a letter from Pressler and Pressler in regards to a credit card debt owed to XXXX Bank. Where I had a XXXX Card, my balance was {$XXXX}. I wanted to know how I allegedly accrued that balance. I made a phone call to Pressler and Pressler on XX/XX/XXXX. This call was to dispute the charges. I requested a copy of the original bill. This information was never sent. Pressler and Pressler has all of this information documented. They continued onto getting a judgement filed against me and they garnished my wages for {$620.00} which was paid in XXXX. I now have a judgement on my credit report for a debt that has not be proven to be mine. My credit report also has the original creditor, XXXX Bank listed with the debt written off has the card Lost or Stolen.
Product: Debt collection

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case FAIR COLLECTION AND OUTSOURCING is attempting to collect as XXXX XXXX XXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is a XXXX XXXX thing where you arent actually receiving a loan but paying yourself {$35.00} a month and you will receive the money back at the end of the term of the two years. XXXX terminated my account when there was an issue withdrawing my payment, and they still report it at 60+ days past due. XXXX ) this was never money owed to them ; XXXX ) I wanted to participate in the program but they terminated the account but are still reporting it past due
Product: Checking or savings account

Between XX/XX/XXXX-XX/XX/XXXX, I had 2 cds totalling XXXX i believe was a little more, the reason for waiting this long I assumed the cashiers check i had made thru the 5th 3rd bank branch on XXXX street, XXXX NC was applied to ex-husband mortgage loan. according to a recent credit report, I did borrow money against the cds which show repaid back fully. The check was made out to XXXX or XXXX XXXX and XXXX ( XXXX XXXX XXXX ) I have proof that I had the funds, I have 4 witnesses that will go to court and testify as to seeing the check, and a conversation with the Floor manager and XXXX with his girlfriend and me present. He told XXXX he took the check to the XXXX branch. XXXX reps from California keep saying they never received that check. The check has never been signed, it is lost. First Manager I spoke to was rude, basically saying he could n't do anything. The main branch in XXXX I went through 3-4 people until I was sick of the run around. I even attempted to call the Pres. in XXXX and he in return had the area supv call me. It was like going around in a endless circle. Now that the house is in foreclosure and up for auction, I need the check to relocate.
Product: Mortgage

We had a mortgage with Bank of America then it was sold to XXXX XXXX XXXX. At this time my husband was very ill with XXXX XXXX and wasn't able to work. He went on Social Security/XXXX and we were given a modification. We were told at the time that our interest rate would be 2 % as part of a government program. Then the loan was sold again and the interest rate went to 4 %. We couldn't afford the 4 % or the new loan amount they gave us. My husband was still on XXXX. He kept corresponding with the bank until we had a court hearing in XX/XX/XXXX. During that hearing we once again told the lawyer for the bank that we couldn't afford what they were proposing and we were still on a trial payment plan with them. They wanted to proceed with foreclosure at that hearing but instead filed a Voluntary Stipulation of Dismissal. My husband was handling the paperwork but he died while in the hospital on XX/XX/XXXX. I am now trying to get this all sorted out as I want to keep my house. The last statement I could find from The XXXX XXXX XXXX XXXX XXXX was for XX/XX/XXXX. Again, we have not been to court since XX/XX/XXXX, nor have I received an eviction notice. This past week I received a letter from a realtor saying we have to give her the keys. I did receive a letter from the banks attorney titled Section 3 Notice for Posting and Delivery. 
I need help sorting this out and when I do review the bank statements from XX/XX/XXXX, to try and figure out what is owed they are all different amounts but one this for sure is the mortgage interest is astronomical. Please see all scanned in letters that my husband wrote to the Bank. You will see that he was doing what t
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution required under the electronic fund transfer act ( EFTA ) and reregulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for this violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted to have multiple inquiries that I was not aware of and others that were done multiple times from one request removed from credit and was not assisted with this issue. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Page 35 of 45 Requested On : XX/XX/XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX via XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual
Product: Credit reporting 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.

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 inructions 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my rederally profecia consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Secc04 A Section 2. It also states a consum instructions ing agency can not furnish a account ut my written 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report t more than seven years.

15 USC 1681-2 ( XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency or if the person knows or reasonable cause to believe the information is inaccurate.
Product: Debt collection

APPLE CARD/ GOLDMAN SACS IS SAYING I OPEND AN APPLE CARD AND THAT I AM RESPONSIABLE FOR THIS. I HAVE NEVER APPLIED NOR GOTTEN An APPLE CARD BUT THEY KEEP CONTACTING ME VIA TELEPHONE ASWELL AS REPORTING ONE ON MY CREDIT REPORTS. THEY SHOW IT AS BEGIN PAST DUE AND IT IS NEGATIVLY AFFECTING MY GOOD CREDIT. I HAVE BEEN TRYING TO GET THIS RESLOVED FOR SOME TIME BUT HAVE NOT MADE ANY PROGROSS AT ALL. THEY ALWAYS CALL AND CAN'T SEEM TO TELL ME MUCH OF ANYTHING, IVE NEVER GOTTEN ANYTHING IN WRITING NOR ANYTHING IN THE MAIL. THIS IS NOT MY ACCOUNT AND THEY PLEASE NEED TO REMOVE IT FROM MY CREDIT REPORTS! MY INFO IS AS FOLLOWS XXXX XXXX XXXX LA XXXX XXXX XXXX LA XXXX XXXX SSN XXXX
Product: Mortgage

In regards to the registered letter I got today : NOTICE OF DEFAULT dated XXXX/XXXX/15. 
My first missed payment was XXXX/XXXX/15. As I am applying for HAMP thru Ocwen since XXXX XXXX, 2015 and I am only 1 month and 22 days late, I am NOT in Default of my loan agreement. I dispute the validity of the debt. Nowhere in my mortgage note does it say you will raise my mortgage payment {$520.00} a month. 

I applied for a RMA request for mortgage Assistance on XXXX XXXX, 2015 when my mortgage went suddenly from {$1200.00} to {$1700.00} a month. I expect to get HAMP and PRA. I am in touch with the department every single week and have been diligent about sending yet more paperwork every week to wrap up this slow process. 

I understand that the making home affordable program was created to help XXXX of homeowners modify their mortgages. As part of this program Ocwen and the Federal Government are working to offer me options to help me stay in my home. However that has not happened yet. On XXXX when I was 1 month and 2 days late on my mortgage I was sent a Deed in lieu and offered {$12000.00} to move out. I was given a 1 day notice as I received this letter on XXXX. I 've expressed that I want to keep my home. The options I 've been offered so far is to get out. 

My mailman told me that an awful lot of people in this neighborhood are receiving registered letters from Ocwen. It sounds like you are trying to do a hostile takeover of the community. In addition why are there XXXX different addresses for Ocwen in this letter in addition to the XXXX different payment addresses?
Product: Credit reporting, credit repair services, or other personal consumer reports

U XXXX code XXXX act XXXX XXXX XXXX account was placed with a collection agency but XXXX XXXX still appears on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX & XXXX XXXX XXXX fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given XXXX XXXX XXXX XXXX, XXXX, XXXX nor XXXX written permission to disclose any information contained in my consumer credit file. They have all blatantly violated the law and thereby have violated my rights as a consumer to be free from this type of financial, economic and mental abuse.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ADDRESS IS REPORTING INNCORECTLY ON MY CREDIT AND MUST BE REMOVED IMMEDIATLEY PER THE FCRA YOU ARE REQUIRED TO REPORT ONLY ACCURATE AND VERIFIABLE INFORMATION PLEASE REMOVE THESE ADDRESSES AND ACCOUNTS AND INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND THE FOLLOWING ACCOUNTS ARE REPORTING INCORRECT AND MUST BE IMMEDIATLEY REMOVED IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ITEMS NEEDS TO BE REMOVED IMMEDIATLEY AS THEY ARE NOT SUPPOSE TO BE ON MY CREDIT AND I DID NOT AUTHORIZE AND THE FOLLOWING HARD INQURIES I DID NOT AUTHORIZE SHOULD ALSO BE REMOVED ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX