23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to have these measures taken to protect my credit. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I would like to request the removal of the following inquiries from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous unauthorized inquiries on all three of my credit reports ( Experian, XXXX, XXXX ) that I have been fighting to be removed from my credit. I have disputed this with each of the credit bureaus above for almost a year with no results. I have asked for validation such as a signed credit application with my original signature which I have not been granted as of yet. According to the FCRA 15 US Code 1681, the only way to access my credit report is if I have given permissible purpose to do so. I HAVE NOT given any permission to anyone to make an inquiry with my credit which deems this impermissible and therefore should be deleted. Below is a list of the inquiries from each credit bureau that I did not give my permission : XXXX : XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX   XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX  : XXXX XXXX/XXXX   XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX Experian : XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; CXXXX/XXXX   XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX as it shows on my credit report ) is not properly reporting my account to Transunion the same as it is reporting the account to XXXX  and XXXX. Recently reached out XX/XX/XXXX to both Transunion & XXXX to understand why my account is shown as a negative closed account while XXXX  and XXXX  are shown as a positive paid account. Neither party wants to take ownership and/or attempt to correct the issue. 

Have been disputing negative items on my account using XXXX beginning around XX/XX/XXXX & with clear instructions to have these negative items removed the credit bureaus ( Transunion, XXXX  & XXXX ) have yet to remove these items and are not following the law based on the Fair Credit Reporting Act which states information on my credit report must be reported 100 % equally across all three bureaus. There are clear inaccuracies with these accounts such as different balances being reported & account numbers not matching, and they have yet to remove them. I am on my 5th set of dispute letters with them & either : A. ) the accounts arent being removed based on the FCRA and/or B. ) remarks are being removed then placed back on my account with little to no proof that the information is accurate. I am highly disappointed with how the credit bureaus have been handling these disputes & demand they abide by the FCRA to resolve this issue.
Product: Debt collection

I was contacted my National Credit Adjusters who are a third party collection agency regarding a debit from a payday loan lender. I took out this loan several years ago and paid it off but the company XXXX  XXXX   said i owed more than what I paid. The loan was for XXXX but they were still trying to collect an additional XXXX after i paid them on time and all i owed to them. National credit adjusters agreed to settle and close this account for a agreed upon amount of XXXX. i had my attorney send them a check and they received and cashed it. I looked at my credit report today and they did not settle or close this account as agreed instead they adjusted the amount and have in me in collections now for XXXX. i have my letter from them agreeing on the settlement amount and they got the money. They are baiting and switching this amount after we agreed to close this account as settled and paid. They are now harassing me on my cell phone and at work for an additional XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IC System is yet to respond to my dispute which they received as of XX/XX/2020 I want this item removed from my Consumer file immediately, I have Attached Proof of certified mail delivery
Product: Checking or savings account

I have a CapitalOne Savings and Checking account. Someone hacked into my accounts and transferred money from my Savings account to the Checking account and then XXXX, XXXX and XXXXd the money to themselves. I reported the theft as soon as I noticed and I am in the process of filing a police report. CapitalOne is not refunding the money to me even though I am a victim of theft/fraud. This was most of the money I had.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX, GM Financial illegally repossessed XXXX XXXX XXXX  Account # XXXX. This issue was resolved a few days later. They returned the vehicle. However, it took months for them to remove the 30, 60, 90 day late payment. 

After it has been resolved, couple of months later, around XX/XX/XXXX ( last year ), their billing department sent me inaccurate bill showing months of unpaid monthly payment. Around XX/XX/XXXX, I contacted GM Financial about fraudulent charges/inaccurate billing and credit reporting for 2 XXXX lease accounts that I had with them : Account # XXXX ( XXXX XXXX XXXX VIN # XXXX ) and Account # XXXX ( XXXX XXXX XXXX VIN # XXXX ). I sent them an email dispute and it appears as if they again corrected the wrong bill for this account. 

When I made all the disputes, I made it clear to GM Financial that both accounts were being paid at the same time. I provided them bank statements and even conferenced them with XXXX XXXX   representative over the phone. XXXX even confirmed to me that the amounts were being paid to GM Financial by them on my behalf every time a payment is made through my XXXX XXXX account. 

For the record, both these accounts were on automatic billing and payment directly with GM Financial. I never knew that GM Financial took me off of the auto pay around XXXX XXXX. Since I have enrolled on auto pay, I only open mails when I have time to file and organize. 

Around XXXX XXXX, I found out that I am being paper billed and that according to them I owe 2 months. And because I saw how undependable GM Financial 's online payment system is, I decided to start paying them directly from my XXXX XXXX  account. 

Around XX/XX/XXXX, I spoke with XXXX of GM Financial - I was told that she would be putting notes regarding the 30 day late for Account # XXXX for research. 

Around XX/XX/XXXX, I spoke with XXXX and XXXX of GM Financial - I was told that I would be receiving a letter from GM Financial indicating no late payment record for Account # XXXX and that it would take few weeks before it is reflected in my credit report. 

Today, XX/XX/XXXX, I spoke with XXXX of GM Financial - I was told that Account # XXXX is still showing the 30-day late. 


Records will show that I always pay my GM leases on time except for the month that their system abruptly and without notice stopped processing my auto pay. 

Records will also show that I always pay these 2 accounts timely and responsibly. 

Records will also show that I always pay these 2 accounts AT THE SAME TIME! 

Since I am paying both accounts at the same time, and they have removed the late payments in Account # XXXX, why have they not done the same with Account # XXXX? 

Both accounts should not show any late payments. I have been suffering because of this negligence. I have either been declined credit or been offered higher interest rates because of this inaccurate information being reported on my credit. 

Please see attached documents for reference.
Product: Credit reporting 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I need to re-document and refile this complaint to EQUIFAX. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 
My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Innovative Funding S Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions Innovative Funding S Inquiry from XX/XX/XXXX + Auto Financing Innovative Funding S Inquiry from XX/XX/XXXX + Im contacting you because I do not recognize any of the inquires .. 
I did not apply for anything on these dates
Product: Credit card

I purchased an item from the clothing retailer XXXX XXXX on XXXX/XXXX/2015 with funds from Paypal credit 's Bill Me Later. The item was returned to XXXX XXXX on XXXX/XXXX/2015 and XXXX XXXX issued a refund credit for the full amount of {$570.00} on XXXX/XXXX/2015. 

Since then, Paypal Credit has not posted the refund to my account and I still owe them money. I have faxed in proof of return numerous times, sent emails of screenshots indicating that this item was returned, and have spent countless hours on the phone yielding no results. At this point, I will have to start paying the charge and I find it to be ludicrous to have to begin payments on something that I returned 3 months ago which has been acknowledged by the retailer.
Product: Money transfer, virtual currency, or money service

In the month of XX/XX/2020 my child under age XXXX received a card for XXXX dollars. They have a XXXX XXXX which they use and he asked his grandmother for a card to purchase add-ons to a video game he plays with friends.He used the card to purchase something. He then made numerous charges over the period of weeks thinking that the prepaid card was allowing him to make these purchases. Unknowingly, that they were charging my credit card which was stored on the system. 
I was unaware that these charges until I received my credit statement. They were never authorized or given any permission to make charges to my card. The charges added up to over XXXX dollars and my credit card company Chase also refuses to help me. They are also at fault here. They should have realized that no adult in there right mind would spend over XXXX XXXX dollars in a short period of time to a video gaming system. Terrible consumer protection as far as I am concerned. 
XXXX refuses to help me. Chase also refuses to help. Chase maintains that I " benefited '' from the unauthorized purchases and playstation maintains they delivered the product as asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acknowledged that there is no delinquent account connected to my Name, SSN, phone number, or address. The collection agency tried to verify the account with incompetent information such as an Email Address incorrect phone number and incorrect address. The information they are using to verify this account is incorrect. Ive provided my conversation with a sprint agent. They ran my name and SSN concluded that theres no account that is past due or delinquent. The Original creditor themselves confirmed that there is no debt owed therefor the collection needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied on XX/XX/2020 for a car at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I was told that based on my credit at the time I would need to put more money down. I advised I would not be able to at the time. The dealership went on after I left to apply to several banks and finance companies without my permission on the same date. 
I did not give permission for them to submit my credit information to the following companies listed on my Transunion Credit Report : XXXX  XXXX  - XX/XX/2020 XXXX  XXXX - XX/XX/2020 XXXX - XX/XX/2020 I have reached out to this company and each of the companies listed on my credit report as well as disputed this with Transunion and they all advised me to contact XXXX XXXX XXXX who told me to contact the financers or banks and credit bureau to dispute. I am tired of going around in circles so I am filing a complaint to get these inquiries removed. I did not authorize anyone to run my credit more than once. I have been trying to get this cleared up for too long and this is affecting my credit negatively.
Product: Credit card

On XXXX/XXXX/15, I contacted Chase claims department, and spoke to XXXX XXXX. I explained to XXXX XXXX about an unauthorized charge on my chase account in the amount of {$99.00}. XXXX XXXX requested my name and account number. XXXX XXXX then asked me about the company I am making a complaint on. XXXX XXXX looked up the charge and stated that I made an agreement with a subscription company. I informed XXXX XXXX that I never made an agreement for any services rendered to me nor singed anything with the merchant. I then informed XXXX XXXX that the company, XXXX offered me a 50 % refund instead of the full refund and I refused. XXXX XXXX then expressed to me, that he can not help me to dispute this claim, since I refused the merchant 's refund offer. XXXX XXXX aggressively and sarcastically insisted, I call the merchant to speak to the supervisor to request a refund. I did and they refused. XXXX XXXX then informed me that he is done with me. I am very disappointed and upset how XXXX XXXX did not solve my issue with the merchant being on their side and not mine. XXXX XXXX also never spoke about a couple options to satisfy my anxiety, of the unknown charge on my account. XXXX XXXX just talked over me, not giving me a chance to explain my part on the unauthroized charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disappointed by the action taken by the Credit Reporting Agencies and chose to not delete all the disputed fraudulent items from my Credit Report. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that resulted due to identity theft. I previously asked the Credit Bureaus for them to provide me copies of proof of verification but until now, the Credit Bureaus have sent me nothing. If the Credit Bureaus can not prove that the disputed items belong under my name, I need the Disputed fraudulent accounts to be deleted as soon as possible. I am submitting this CFPB complaint as a reminder to the Credit Bureaus that a consumer is trying to correct his Credit File from the negligence and indifference of the Credit Reporting Agencies. Under the FCRA section 605b, I need the following items be completely deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX  XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX MO XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request an unauthorized credit inquiry to be removed from my credit report. I received a copy of my credit report and became aware of an inquiry I did not authorize. They are as follows. 
XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$4500.00}, XXXX XXXX XXXX Balance : {$4300.00}.
Product: Credit card

I received my XX/XX/XXXXXXXX  statement and paid it. 
In XXXX I received a text form someone at my previous address saying US Bank had left a message on the answering machine and I should call them. I had also received an email so on XX/XX/XXXX I called the # on the email. I told them I had not received any bills and I needed a bill so I could figure out what was going on. They ordered statements. 
Two weeks later I called back, was told it could take up to a month to get statements. 
Waited a month, called XXXX had just reordered statements, XX/XX/XXXX. verified address told me what the charges were for Called you guys and was suggested I check my credit report. I checked XXXX and all was good except US Bank which potentially deleterious. also included the address of XXXX XXXX XXXX. My credit score had been over XXXX and fell to XXXX it is now at XXXX. 
Waited another month called XXXX asked for statements for this year only, asked what address they had for me and was told XXXX XXXX XXXX, the correct address is XXXX XXXX XXXX I asked who do I talk to to settle because they had the wrong address. The agent said it was him but would only say so you want to settle in full. I asked about goodwill adjustment and was told they did not do that. 
Called XXXX reoreded this years statements, address was changed to the correct address but now have no evidence they were using the wrong address, didn't seem to matter that I had not received 4 months of bills
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX is misreporting the credit history for three accounts : XXXX. The account reported on time payment on XX/XX/XXXX and the next month it is 90 days late. In XX/XX/XXXX it is reporting on time and the next month it is 90 days, then 120 and lastly 150 days. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

1

5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 



XXXX XXXX XXXX Balance Dispute : {$1800.00} Opened XX/XX/year>2023 2023
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me and are reporting erroneously on my credit. I suspect identity theft. I have tried to dispute these accounts but the companies have not given me any signed documents. the accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>