23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Bridgecrest is currently reporting late payments, a charge-off, and a current overdue balance owed of {$13000.00}. The issue with this account began with the seller XXXX of the vehicle failing to provide me title and registration which drug out for more than a year. I was pulled over three times, and threatened with arrest for driving an unregistered vehicle. XXXX is now involved in multiple class action federal lawsuits for this negligence. I attempted to return the vehicle in question to Bridgecrest via voluntary repossession, giving them multiple times, the address of the vehicle and explaining due to the fact it was illegal to drive and our contract for payment had been voided by XXXX I would no longer be making payments. I was XXXX XXXX military living 45 minutes from XXXX, and not having a vehicle legal to drive was not an option. I was forced to return the vehicle to XXXXBridgecrest. Then, I lost my XXXX XXXX XXXX  and pay due to XXXXXXXX XXXX XXXX. In the fall of 2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. As a result, I qualify for title XXXX protection of my income, and for all debts prior to that time to be considered 'non-collectable. ' Upon dispute, they all have complied except Bridgecrest. Including federally-backed XXXX  loans. {$0.00} balance, and zero adverse credit file information regarding late payments. I am in a dangerous living situation that requires swift remedy. Due to my limited XXXX income and poor credit rating from issues surrounding this exceptional hardship, I am trapped in a dangerous neighborhood during a painfully competitive housing market with a wife and small child. We have already been the victims of both property crime and violent crime. We must get to safe housing as soon as possible. I don't have months to haggle over erroneous debts and negative credit file information. The threat of harm against my family, and inability to qualify for better housing due to erroneous credit file info is keeping my XXXX XXXX up and worsening my XXXX XXXX. I have spoken to multiple attorneys regarding this case, am taking action to join one of the federal lawsuits against Bridgecrest 's XXXX XXXX, and due to the emergency nature of my situation my next step will be to pursue the matter in federal court seeking damages for duress if the negative credit file information is not removed expediently. This is your ... last ... chance to correct your position involving the false credit file information Bridgecrest and exercise " right to remedy '' prior to legal proceedings. Please comply. Only written communication will be accepted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered in Federal Rehabilitation loan that paid all loans in XX/XX/2016. I was assured that all negative Student loan payment history would be deleted from my report if I agreed to the repayment plan. I have not missed a payment since I signed up. My Balance is XXXX and all my accounts are being paid on time. I would like all the the late payments and delinquencies from XXXX XXXX to be removed from my Credit Reports.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. 
Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The accounts are XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : XXXX, XXXX XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX  XXXX XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX  XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : XXXX Ive reached out to the companies and havent received any type of feedback
Product: Credit reporting or other personal consumer reports

This is my 2nd 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXXXXXX 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

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think they have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX IL XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed XXXX disputes with TransUnion Credit Bureau to dispute a wrong information on my XXXX XXXX account. This account was paid off on XX/XX/XXXX and XXXX closed the account ( as it was already paid off ) on XX/XX/XXXX. TransUnion is showing this account as with serious delinquencies as it was not paid on XXXX even when the account was totally paid off on XX/XX/XXXX. In all my disputes with TU they are replying me that according to their investigation their data is correct. I called XXXX XXXX ( XXXX ) on XX/XX/XXXX to verify the standing of my old account with them. XXXX XXXX said that they never received a complain/ dispute from TU regarding my account and if so they should have answered that my account was in perfect order and always paid on time and as agreed. It is evident that TransUnion made a mistake which they not even bother to investigate after receiving XXXX disputes and always cut and paste the same response : INVESTIGATION RESULTS- VERIFIED AS ACCURATE when they never even contacted the provider to process my dispute on their own wrong information. Amazing and a shame!!!
Product: Student loan

I have taken off XXXX quarter so my student loans came out of deferment. I logged onto the navient website it showed a total owing for the month of XX/XX/XXXX. I paid the amount in full. A week ago i started getting automated calls from them saying they have a message for me to log on to my portal. I did that today. It showed a past due amount for XX/XX/XXXX along with a small late fee. I called to talk to them - ridiculous. When I explained that they back dated a loan payment and needed to fix their issue they preceded to tell me where my payment went that was done XX/XX/XXXX - over and over and over again. Never listening or dealing with the fact that they back dated a loan payment that was not there when I paid for XX/XX/XXXX. I spent over an hour ( this is actually a short time for them ) on the phone trying to get them to understand the mistake they made. No resolution. I was charged a late fee, i wasted over an hour, and still had to pay the late fee. I took a picture this time of the website showing that no other monies were due for the month of XX/XX/XXXX. They do this continuously to get the late fees. They do not listen to what you are saying just keep repeating themselves about how I owe this and I owe that - I have no issues paying the loans, I just do n't like the deceptive, non responsive, and argumentative way they handle repayment.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : I.C. System Inc. 
Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX NAME : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Dear I.C.System Inc, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i nformation : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I pulled a credit report in some credit cards are on my report that I have no clue aboutcapital one for XXXX. XXXX for XXXX. Capital one for XXXX. XXXX for XXXX. And a car loan for XXXX. I have no clue about these accounts
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

My wife and I are both unemployed at the moment and we need a forbearance for three months or a payment plan that takes our payment down so we can afford to make the payment. On their website it say to contact them if your affected by Covid and to send a email to their support email. I have sent emails for 5 months now but they just close the email and never do anything to help!!! I have made the payments the best I can but now that unemployed is miss up we have no money coming in!! We have a XXXX XXXX XXXX that has no XXXX!! We are trying to keep food on the table!!! We have ask for help and I dont understand how you say you will help people with Covid but then do nothing! I feel this is a predator Loan and someone needs to look into this company!
Product: Debt collection

I received a notification XX/XX/year> that a new collections account was added to my credit profile. AMSHER COLLECTION SERVICES never sent me any notification by mail informing me of my right to dispute the information before it was reported to my credit report, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g ( a ).
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I asked multiple credit companies that charged off my accounts to provide me with a 1099C. I have not received a 1099C from any of the credit companies. I am in the process of cleaning my credit report after not being able to work and pay my bills XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I have recently discovered that I have been the victim of Identity theft in which such person [ s ] used my credit multiple times over the years. It wasnt very much money at first, thats probably why it was never noticed, but here recently I been trying to purchase a home so I started looking at my credit report more closely. 

In XX/XX/XXXX I discovered that the following Accounts have been opened Fraudulently : XXXX {$3700.00} Acct # XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$210.00} Acct # XXXX Opened XX/XX/XXXXXXXX XXXX XXXX {$7400.00} Acct # XXXX Opened XX/XX/XXXX XXXX XXXX {$5700.00} Acct # XXXX XXXX XXXX XXXX XXXX XXXX {$680.00} Acct # XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$6700.00} Acct # XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$2400.00} Acct # XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$3600.00} Acct # XXXX Opened XX/XX/XXXX These are the XXXX accounts from Transunion that are on the Federal Identity Theft Report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is knowingly and inaccurately reporting false information to the 3 CRA 's. I had an unpaid charge off for XXXX dollars on a XXXX dollar credit card that became delinquent when I became unemployed in XX/XX/XXXX. On a credit report dated for XX/XX/XXXX, Capital one shows and open date XX/XX/XXXX and a Closed Date XX/XX/XXXX. I agreed to settle this account for XXXX dollars under the agreement that the balance be updated to XXXX and the account status be updated to paid. As of XX/XX/XXXX the account was promptly updated on my XXXX and XXXX reports to reflect a XXXX balance and paid status. They then REAGED the charge off account by updating the close date to show XXXX which is incorrect, since the account was closed in XX/XX/XXXX. Furthermore, the balance on my XXXX Credit Report was NOT reflected to show a XXXX balance, in fact the balance looked as though I had only paid XXXX dollars of the balance instead of sticking to the agreement to update the balance to XXXX, I had to call capital one and file a dispute to which they sent me a letter admitting to inaccurately reporting to my 3 major credit bureaus and agreed to immediately update the account on all 3 bureaus. However the update sent to the CRA 's on XX/XX/XXXX is still inaccurate as the " Closed date '' on my XXXX credit report still states XXXX where as the other 2 reports still have XX/XX/XXXX. This major and inaccurate update to my credit reports cost a significant decrease in my Fico Scores and in turn cost me my mortgage. I have disputed this account with the CRA 's as well as capital one on NUMEROUS occasion and they are refusing to report this account accurately. Capital One needs to remove this account in its entirety from my credit reports due to inaccurate reporting and non compliance with FCRA Guidelines
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX acct : # XXXX, XXXX XXXX  acct : # XXXX, XXXX XXXX  acct : # XXXX, XXXX acct XXXX # XXXX, XXXX acct XXXX # XXXX, XXXX acct : # XXXX, XXXX XXXX  acct : # XXXX, XXXX XXXX acct : # XXXX, XXXX acct : # XXXX, XXXX acct : # XXXX. Personal information : Incorrect addresses XXXX XXXX XXXX XXXX XXXX, NJ, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

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

U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.l
Product: Checking or savings account

I was at work XX/XX/XXXX that day I got a notificacin text around XXXX pm about a transaction i reply that it was not me I check my account theres a few of them so I called XXXX and told them about all the transactions
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX  XXXX Balance Owed : {$24.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$9.00} XXXX XXXX XXXX XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXX Filed/Reported XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$24.00} XXXXXXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX  XXXX Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$430.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXXXXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX XXXX Balance Owed : {$9.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX