23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CBNA is still reporting an account that is not familiar to me on my credit reports! I requested they send me a copy of the original contract with my signature, all charges and all monthly statements and they ignored me! I then filed a dispute with XXXX and they waited a couple of days and just said the company said it was correct and did nothing!! That is NOT VERIFYING A DEBT AND IS NOT INVESTIGATING A DEBT TO DETERMINE IF IT BELONGS TO SOMEONE!!! I have had my personal information hacked 10 times since XXXXXXXX  and have a RIGHT TO HAVE CORRECT INFORMATION ON MY CREDIT REPORTS AND NOT PAY A BILL THAT IS NOT MINE!!! This account has never been verified as mine!! PLEASE ENFORCE THE LAWS!!! THEY HAVE BROKEN THE FDCPA AND FCRA!!! THE CREDIT REPORTING AGENCIES ARE JUST AS LAWLESS AND ARE GUILTY OF THE SAME AS WELL AS AIDING AND ABETTING THESE BUSINESSES!!! 
Account name CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$1600.00} as of XX/XX/XXXX Status Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/XXXXXXXX 
Date opened XX/XX/XXXX Details Not mine or No knowledge of account You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute. 
You may also submit supporting documentation for your disputes at experian.com/upload. 
Cancel dispute Add a statement Upload
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to ADP Screening and XXXX XXXX. I've tried to email the email they have on file to get my free report. Ive also tried to called the number they keep referring me to ( XXXX ) twice. THe people on the phone dont know how to execute the request. Although XXXX is responsive over email, Im not getting anywhere. I just want to know if they have infomration on me or not and to then freeze me file.
Product: Vehicle loan or lease

I have been paying on a car that I almost paid off, XXXX  years later my wages are still being garnished. I called to see how much I owe & can we come to a payment agreement & no one can answer my questions, they say they will call me back and dont, I asked for a detailed explanation for how much I owe, how much they resold the car for & why am I being charged so much. They tell me different stories, once I was told every time I start a new job the collection starts over, when I called last month they told me every few weeks Im changed a fee so they can review my loan. & they fee was XXXXXXXX XXXX they never sent me anything I asked for to get to the bottom of this. Ive been asking for over a year for paper work.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear WAKEFIELD & ASSOCIATES, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that WAKEFIELD & ASSOCIATES has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for WAKEFIELD & ASSOCIATES to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that WAKEFIELD & ASSOCIATES immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that WAKEFIELD & ASSOCIATES will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
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 15USC 1681. 
Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681 section 604 A, section 2. states, A Consumer reporting agency can not Furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) States, no consumer reporting agency may make any consumer report containing any of the following : Items of information, any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ), states, 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 errors or is inaccurate.

A
Product: Debt collection

I do n't know w ho is company is what this about all I get was a phone call on my home phone with no information and I have been getting from get this call regularly and want them to stop. this company has a record message and they left a message on a answering machine. give on ref # on this and I just want them to leave me along.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT NAMED " AFFIRM '' LISTED ON MY CREDIT IS A RESULT OF IDENTITY THEFT. I DID NOT OPEN THIS ACCOUNT OR DID NOT AUTHORIZED ANYONE TO OPEN THIS ACCOUNT. I HAVE MADE COMPLAINTS AND DISPUTES WITH AFFIRM AND THE BUREAU ( S ) ALREADY BUT I HAVE BEEN IGNORED OVER AND OVER. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY! I HAVE ATTACHED A COPY OF A ID THEFT AFFIDAVIT.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Equifax notifying them of the reinsertion of XXXXXXXX XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XXXX XXXX, 2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have received endless calls from Municipal Services Bureau at random times of the day from the phone number XXXX. My phone number is on the " Do Not Call List : '' and the calls continue and wont stop from XXXX XXXX from the Municipal Services Bureau. I do not owe a debt. I want to file a complaint against Municipal Services Bureau due to constant harassment and fraud in order to collect a debt from me that I do not owe.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I disputed an alleged debt in writing to Eastern Revenue , Inc ( ERI ) a debt collection agency operating in the state of Pennsylvania. At the time I advised ERI that they had contacted me by mail through correspondence dated XX/XX/XXXX. Due to USPS delays I did not receive the letter until XX/XX/XXXX. The correspondence from ERI identified the alleged debt as XXXX XXXX XXXXXXXX and alleged that {$3000.00} was owed in addition to a collection fee of {$890.00} bringing the total due to {$3800.00}. Per the Fair Debt Collection Practice Act I disputed the debt and requested validation. I mailed the dispute via certified mail return receipt and requested that ERI treat the debt as being in dispute. In reply to my validation request I received correspondence from ERI dated XX/XX/XXXX. The correspondence identified the alleged debt as XXXX XXXX XXXX. Upon careful review of the documentation I noted an amount of {$620.00} for " CA XXXX  fee '' as being in dispute due to the items being returned. In addition, I noted that ERI failed to provide a determination of the collection fee assessed as it appeared to be percentage based. I requested an explanation of the percentage based fee and how it was calculated. In order to make sure that I was not put at any disadvantage I again requested that ERI treat the debt as being in dispute under the Fair Debt Collection Practices Act. This information was placed in a letter to ERI dated XX/XX/XXXX and mailed via certified mail return receipt. Based upon the return receipt it appears that ERI received this letter on or around XX/XX/XXXX. However, instead of treating the alleged debt as in dispute and providing the requested information in the XX/XX/XXXX letter ERI has continued to place sporadic and repeated telephone calls in the collection of this debt. The most recent contact was on XX/XX/XXXX. In addition, the alleged debt is being reporting negatively on my XXXX  credit report.
Product: Vehicle loan or lease

Our XXXX XXXX XXXX was repossessed. XXXX XXXX and XXXX gave us a list of things to do to reclaim the car. We completed everything on the list including paying {$210.00} on XX/XX/XXXX. Updating employment and residential information, and securing insurance. We were told we could reclaim the car by XX/XX/XXXX. On XX/XX/XXXX we were then told we had to sign some paperwork and could reclaim the car on XX/XX/XXXX. On XX/XX/XXXX myself and the co-signer went to XXXX XXXX to sign the papers and pick the vehicle up. We were advised upon signing the paperwork that the vehicle would not be released that day due to a clerical error on their part
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX To Whom it May Concern : XXXX   XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANKING XXXX XXXX   XX/XX/XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX/XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX/XXXX BANKING Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

YOUR COMPLAINT I am disputing the debt owed to Select Portfolio Servicing for Acct # XXXX under the name of XXXX XXXX. XXXX XXXX XXXX my loan on behalf of XXXX XXXX XXXX XXXX XXXX, as Indenture Trustee, for the benefit of the holders of the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. I dispute the legitimacy of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.I have asked Select Portfolio multiple times for correct information on this trust and only receive a reponse back about who owns the trust. I need actual information on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to prove to me that this trust still actually exists. According to my research and in talking with reps from XXXX XXXX as well as XXXX XXXX, i can't get anybody to show me recent records of this trust. In my mind it doesn't exist and I dispute the legality of Select Portfolio Servicing actually collecting on it. I would imagine sind the are representing XXXX XXXX in collecting for this trust that they would know all about it and be able to show me evidence so that I could get this mortgage back on track with a peice of mind that my money is going where it should. If you look at my earlier complaints and the response I have gotten from Select Portfolio you will see they refuse to give me the exact information I am asking for. 
The foreclosure date of XX/XX/XXXX should be cancelled and they should give me what I need to get things moving forward.
Product: Credit reporting or other personal consumer reports

I looked at my XX/XX/year> report and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts are not complete and it's not accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, ( date opened, monthly payment, balance, last reported, payment status ) I got the investigation back but noticed nothing was modified or updated according to 15 USC 1681i ( 5 ). 

So, I sent a letter on XX/XX/year>, requesting a description of the reinvestigation and they did not provide it to me which is a violation of 15 USA 1681i ( 7 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not receive a description of the reinvestigation. 

Remove thiXXXX XXXX XXXX XXXX XXXXXXXX from my report. Remove this account XXXXXXXX XXXX XXXX XXXX XXXXXXXX from my report, Remove this account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX from my report, Report this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX Block Request : Dear Sir or Madam : I am a victim of XXXX  and the following addresses listed on my credit report are outdated and the result of that trafficking : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please block the following accounts from my credit report pursuant to section 605C of the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Please take immediate action to block this information from my credit report within four business days and provide me with notification of the actions taken. Thank you for your prompt attention to this matter. 

Sincerely,
Product: Debt collection

I previously sent you a letter requesting that the collection that you are erroneously reporting against me be validated or removed from my credit report. I received your response and it is not acceptable, it is vague and does not constitute any form of validation according to the FDCPA or verification according the FCRA.
Product: Credit reporting or other personal consumer reports

I noticed a credit account I did not open and hard inquiry that I did not authorize and the lender can not prove I did. They are violating my FCRA law protecting the consumer.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$830.00} XXXXXXXX XXXX XXXX Inquired on XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), US Department of Education, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I have faught and won against this same debt collection 3 times at this point. I do not owe this company any money as i have not business with them. I requested that XXXX remove this negative info from my consumer report and it keeps returning from a different 3rd party debt collector. The burden of proof is on the credit reporting agency to verify the accuracy and relevancy of all info reported. This is clearly described in U.S Code 1681i where is also mandates that once info has been certified as false, it must be " permantly removed ''. My ability to obtain credit has been negatively affected through a tarnished consumer report.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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