23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PER ESQ. " XXXX '' OF LEGAL AID OF XXXX NEVADA WELLS FARGO HAS A REPRESSIVE HISTORY OF DECEPTIVE BUSINESS PRACTICES THAT IN " XXXX XXXX '' IS THE RIGHT PLACE TO BE IN FILING A COMPLAINT WITH " CFPB '' WHO M ACCORDING TO " XXXX '' CAN SEEK COMPLIANCE BY WELLS FARGO TO ASPECTS OF THE FAIR CREDIT & REPPORTING ACT. 

FURTHERMORE THE CLAIMS THAT CFPB HAS MADE IN SENDING COMPLAINTS FILED TO THE " FTC '' HAS BEEN REFLUTED BY FTC IN SAYING THEY HAVE NO COORDINATION, ETC. WITH CFPB TO MONITOR CFPB COMPLAINTS IN ADDING THIS TO AN EXISTING FTC COMPLAINT, FTC STATE THAT THEY DO NOT REPRESENT THE INDIVIDUAL. 

WELLS FARGO CLAIMS TO HAVE CALLED THE COMPLAINTANT IS FALSE TO THE POINT THAT WELLS FARGO DOES NOT ANSWER CALLS OR CALL BACKS FROM THIS COMPLAINTANT TO DATE DUE TO THE EXCESSIVE BILLING TO INCLUDE BILLING FOR STRUCTURAL INSURANCE WELLS FARGO HAS BEEN NOTIFIED THAT AMERICAN FAMILY INSURANCE HAS ALWAYS PROVIDED SAID COVERAGE REQUIRED ON THE MONTHLY XXXX DUES- THEREFORE WELLS FARGO MUST PROVIDE A 4 YEAR REFUND FOR THIS EXCESSIVE COVERAGE DUE TO THE UNPREDICTABLE BILLING FROM WELLS FARGO THAT HAS CHANGED THE COMPLAINTANT MIONTHLY BILLING FROM AM ROUNDED FIGURE OF {$600.00} TO NEARLY {$800.00} PER MONTH CAN NOT XXXX SUSTAIN & AS A RESULT WELLS FARTGO HAS BEEN ASKED TO STOP AUTOMATICE WITHDRAW IN ORDER TO NOT JEOPARDIZE THE COMPLAINTANT CHECKING ACCOUNT RESERVES. THEY HAVE NOT COMPLIED WITH A WITHDRAW FOR XXXX, 2022. 

AUTOMATIC WITHDRAW MUST IMMEDIATE STOP & BE SUPPLEMENTED WITH A MAIL IN SYSTEM. AUTOMATIC WITHDRAW WAS PUT IN PLACE FOR PEOPLE MORTGAGE AND NOT WELLS FARGO!
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 a letter to the Credit Bureaus to correct these erroneous items. I think you 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. These were already included in my prior complaint and I'm including them again. 

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

To whom it may concern I checked my credit report and noticed several fraudulent inquiries as follows XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Between XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX accepted the false check from unknown largest deposit to increase in my balances and a few days later collapsed fund by fraud. Named XXXX XXXX, now known real name as XXXX XXXX is the fraudulent. She deposited the fund to my and she told me to donate about {$77000.00} and then {$10000.00} to XXXX XXXX. " Friend and Family '' When I donated {$350.00} to XXXX XXXX account in the spring that need to fix sink that wasn't a serious suspect. Until XX/XX/XXXX, not normal she and I went more serious fight on the exchange texts that I required her neighbor XXXX XXXX and XXXX in XXXX to show his ID proof at XXXX XXXX because PayPal caused computer system problem. She told me that she lives in XXXX XXXX area. 

I went to see the branch manage that urged to check the balance and. Unfortunate, I learned she told me the check was no good deposit ( fraud ) and freeze-closed two accounts. A week later, I reported the complaint crime to the XXXX Police Department filed XXXX on Wed, XXXX XX/XX/year>. 

A few days later, I reported the fraud complaint to PayPal and I explained to the fraud of department that XXXX XXXX is a suspicious fraud. PayPal did not take a serious investigation resulted, and he told me on the phone. It was simply the computer because it considered " friend and family '' and I authorized the credit card through the computer by XXXX computer system or fraudulent account. I disagreed with PayPal because the computer system caused wire fraud is a type of fraud that involves the use of some form of telecommunications or the internet. 

PayPal also required me to force pay all money, {$4600.00} to XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX resulted of XXXX XXXX fraud and scam. I explained seriously clear to PayPal to look at XXXX XXXX fraud account that my XXXX XXXXXXXX XXXX caused fraud transfer. I am sure the fraudulent owns the account. 

PayPal refused to explain a respectfully business with matter question and I refused to contact XXXX XXXX that I have a good reason to believe the criminal account is related to fraudulent without takes the serious information to look into XXXX XXXX, who is real. 

I fight to close my account or cancel money to XXXX XXXX. Thats unacceptance, PayPal helps to crime accounts without looking at the serious into a crime information that the Fraud of Department needs to cooperate with XXXX Police Department, FBI, and XXXX enforcement law investigation into XXXX XXXX information or false name related to XXXX XXXX ( XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

XXXX. Repeatedly calls and asks for a person who does not live here. I told them numerous times to stop calling they have the wrong number.
Product: Credit reporting or other personal consumer reports

I noticed my Equifax report was reporting an account that is not mine. XXXX XXXX XXXX for {$4700.00}. I reached out to all the bureaus, XXXX XXXX XXXX conducted investigations and found the information was unverifiable. They immediately deleted it. Equifax has not done a proper investigation. 

I contacted the creditor. They informed me that they could not verify or validate the debt. The responded to my CFPB complaint. In a statement the said We have submitted it for credit reporting deletion due to the lack of verifiable information, Equifax is still reporting it. How could Equifax verify it when the creditor admits there is lack of verifiable information. 

They are violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN THE VICTIM OF IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

TransUnion is reporting this collection as an " open account, '' which is not under FCRA compliance.This is an accurate reporting and needs to be DELETED immediately.

This is inaccurate reporting and needs to be removed from my credit report.
Product: Mortgage

Huntington national bank was a horrible process just to get the loan an even after has been horrid me since To get an fha loan you have to have insurance well I went ahead an call Huntington an said Ill take their insurance low an behold a year later went to make a claim so I called Huntington to see who to talk to about the claim and was told XXXX well I called XXXX an was told no policy was in place so I called Huntington back and they said oh ok its XXXX heres a policy number Well XXXX  said no policy was in place so once I told Huntington that they forced placed insurance that was XXXX $ more a year an XXXX on me because of their mistake so now a year after that I get a letter sayin Im gon na owe XXXX $ for more force placed insurance from before I made the claim in my eyes Huntington did not have all the requirements for the loan ( insurance ) an my loan should be terminated at their expense I want out of my loan out of the house an no percussions from their mess up
Product: Debt collection

The XXXX XXXX XXXX XXXX is attempting to collect a debt from XXXX XXXX in the amount of {$5100.00} that is not owed for medication my wife XXXX has taken for the last ten years. Her prescription has been supported by XXXX XXXX since the beginning and still is supported currently to date. The most we have ever paid for the prescription is {$10.00}. We switched health insurance in approximately XX/XX/XXXX and her prescription fulfilment was then switched to XXXX XXXX. There was a mistake in the paperwork handoff and XXXX XXXX mistakenly alleged we owed {$5100.00} for a prescription we did not receive. I spent hours on the phone with XXXX XXXX, XXXX and XXXXXXXX XXXX as did my wife trying to correct this mistake made by XXXX XXXX. In XX/XX/XXXX we seemed to finally have the mistake resolved and did not hear anything from XXXX XXXX again. Suddenly, XX/XX/XXXX we received a letter from the NRA Group , LLC demanding payment for {$5100.00} for the mistake by XXXX XXXX. I immediately wrote NRA Group explaining I did not owe that money and requested competent evidence that I had a legal obligation to pay this debt and also requested they cease communications, written and via telephone until they could verify I owed this debt. NRA Group responded with a computer screenshot showing {$5100.00} but no evidence I owed the debt. NRA group has now sent six letters every ten days demanding payment and is now threatening to mount a telephone harassment campaign against me. I have responded to every letter sent by NRA Group requesting evidence this debt is owed and requesting they cease communication until they provide evidence. They refuse to comply and instead are harassing me and threatening further harassment.
Product: Debt collection

Franklin Collection Service Inc has listed the same account 2 times on my XXXX credit report stating I owe them money from XXXX. 

This debt does n't exist. I do n't owe the Dr. office any money they are " supposed '' to be collecting for. They are trying to collect on debt that does n't exist. 

Also the Statute of Limitations in South Carolina for open and written contracts is 3 years. This non existent debt is pass the statute of limitations. Plus it does n't exist in the first place. 

Franklin Collection Service Inc is in of violation the Fair Debt Collection Practices Act and in violation of the Fair Credit Reporting Act for actively trying to collect on a debt that does n't exist and actively trying to collect on a debt that is pass the Statute of Limitations. And for knowingly and willfully listing inaccurate information on my credit report. 

XXXX. Creditor : Franklin Collection Service Inc Account Number : XXXX 2.Creditor : Franklin Collection Service Inc Account Number : XXXX Please make Franklin Collection Service Inc delete these XXXX accounts from my XXXX credit report
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are 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 any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX  XXXX XXXX Balance : {$7900.00} ; XXXX XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$20.00} ; XXXX  XXXX XXXX Balance : {$130.00} ; XXXX  XXXX XXXX Balance : {$130.00} ; XXXX  XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$680.00} ; XXXX  XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX
Product: Mortgage

My husband and I paid off this mortgage a month ago. 
We received our escrow refund check in the mail yesterday, but no documents where included with it. 
Today I had to contact NationStar to specifically request the lien release, escrow statement, and final mortgage statement. 
They e-mailed the lien release and escrow statement but they refused to provide us with our final mortgage statement that shows principal paid, interest paid, and final balance of zero. 

I need that mortgage statement for my records. I am entitled to it. 
What are they hiding?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continuation of corruption committed by XXXX as XXXX has targeted me to continue holding my credit file hostage. XXXX deleted on XX/XX/2021 disputed information regarding MEDREVSVC ( Medical Data Systems, Inc ) Facts : XXXX deleted on XX/XX/2021 disputed information regarding MEDREVSVC ( Medical Data Systems, Inc ). EXHIBIT E 1. EXHIBIT A ... ... XXXX XXXX XXXX on XXXX XXXX, 2021 forwarded a dispute on my behalf with XXXX demanding that XXXX remove information that has been identified as information being reported as a result of Identity Theft. 

2. EXHIBIT B ... Is the identity theft report filed with the XXXX XXXX XXXX  demanding that XXXX remove information that has been identified as information being reported as a result of identity theft. 

3. EXHIBIT C ... ... The Florida Office of Financial Regulation received a complaint from me against Medical Data Systems Inc. regarding violations of the FDCPA, FCCPA, Libel, FCRA, and Intentional Infliction of Emotional Distress. 

4. EXHIBIT D ... .Medical Data Systems Inc. forwarded a letter to all three credit reporting agencies and asked them to remove the information from my credit file. 

5. EXHIBIT E ... ..On XXXX XXXX, 2021 XXXX reinserted information it has previously deleted on XXXX XXXX, 2021 regarding the MEDREVSVC ( Medical Data Systems , Inc ) even after Medical Data Systems Inc. forwarded a letter asking XXXX to remove it. EXHIBIT
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for fraud. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX and XXXX  XXXX.
Product: Payday loan, title loan, or personal loan

The money was taken out of my account and when the funds were insufficient they continued to run and rerun it through my account causing fees as well as Ace charging me more fees. I had to pay all the fees and this took months.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report on XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize and it is affecting my credit report. I sent a letter via USPS certified mail to all 3 credit bureaus but my credit report is still negative with items I did not authorize. I checked my credit report recently there are still accounts there that investigation did not remove it from my credit report In accordance with the fair credit reporting act, everything has to be 100 % Accrate on my credit report and Under 15 U.S Code 1681e ( b ) And 15 U.S. Code 1681i ( 5 ) these Accounts are in violation and not reporting 100 % accurate.
Product: Credit card or prepaid card

On XX/XX/2023 someone stole XXXX dollars out my account and the next day they took an additional XXXX thats a total of XXXX I wasn't aware until I tried to make a withdrawal of XXXX dollars It was declined I tried a lower amount of XXXX it was declined I tried a lower amount of XXXXit was declined by this time I leave the drive through atm and pull over and check my account to find out I only had XXXX dollars left to my name..I contacted the branch to inform them of what was going on they transferred me to the fraud department ... They stared there investigation and denied my claim I reopened the case and filed again and now Im denied again ... Ive been banking with them for years my income taxes and work checks have been deposited for years into this account.They tried to tell me that upon there investigation that didn't find any errors... They proclaim only XXXX can be witdawn at an atm but they allowed someone to withdraw XXXX out 18 times at one atm which should gave veen a red flag but no they allowed for another 1500 to be withdrawn a second time... I trusted this bank for years and now Im trusting you can helo me retrieve my funds...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to all 3 bureaus about this matter going on 6 months about fraudulent activity reporting on my personal report. I have noticed accounts from XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX that are reporting incorrectly, as well as several inquiries.
Product: Credit card

I have three cards through Genesis FS card services and they recently closed all three of my cars without any explanation.
Product: Mortgage

This is my third complaint filing on Bank of America. The Mortgage Servicing Rules requires that a servicer credit a periodic payment from a borrower as of the day of receipt. Three checks were attached to print out from the online banking system and placed in the night drop on XXXX/XXXX/16 but not posted until XXXX/XXXX/16. I have asked three times that the payments be reapplied to the day of receipt. I have been told that BOA has 24-48 hours to post payments placed in the night drop. I have asked twice for something in writing with that information because it is not posted on the night drop or on my billing statement. Also, my privacy was violated. A BOA employee called my place of employment and told another employee that there was a problem with my mortgage payment checks that were left in the night drop. I did not get the message until XXXX/XXXX/16. I started calling the bank at XXXX to find out why the payments had not posted. I had to call the branch four times to get help with my payments. The manager was extremely rude and not helpful. Only after I persisted, did the manager ask the employee the problem with my payments. I am asking again that the three loan payments be backdated to XXXX/XXXX/2016. I will not use the night drop anymore. I have been treated badly by Bank of America and am very dissatisfied with their service.
Product: Mortgage

my house burned I called Carrington mortgage company ( who owns my mortgage ) to ask for a payoff and how to go about paying it. Their representive told me to send check to them unsigned then they would sign and send back. I would then sign and bank wire the money to them because there was a few XXXX extra in the check. I ask a number of times to make sure I was doing this right. I sent ck overnite XX/XX/XXXX to make sure it was paid XX/XX/XXXX because the payoff would change then and they would charge me more. when I called XX/XX/XXXX to see why it was n't back they told me it had to be done a completely differnet way and that they had just put it in regular mail so it would n't be back XX/XX/XXXX. when i said but that will cost me more the Rep said oh you do n't have to worry about it there is plenty in the ck to cover what ever we will need to take .When I ask how much they r going to take they said they would n't know till the check got back to them. and refused to give me any numbers at all. When I complained because I had done everything I was told to do the mistake was theirs that I felt I should not have to pay anymore than than XXXX payoff I just keep getting suffled to some one else. I had this loan for over 6 years and paid over $ 40,000.oo yet my payoff was only {$7000.00} less than I started with
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with DSNB MACYS, SEARS/CBNA, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX DSNB   MACYS, SEARS/CBNA, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXXXXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022