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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF ) XXXX Balance : {$2400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX  Inquiry Date XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$1100.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sold to XXXX. ( Please see page attached from my credit report. ) It is a violation of the Fair Credit Reporting Act ( FCRA ) to report a duplicate account showing a balance. I contacted XXXX and they can not access to this account and they can not locate any current account information. ( I have attached a copy of my correspondence with XXXX for reference. This XXXX account needs to be deleted from my credit report. This duplicate reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Recently, I disputed several items on my credit report with all three credit bureaus asking them to conduct a thorough investigation in which they've claimed to have conducted an investigation. However, after conducting my own investigation, I discovered multiple inaccuracies that were not corrected. 

Specifically the following items have inaccuracies that remain on 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 XXXX XXXX has violated my rights. 

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 an account without my written instructions.
Product: Credit card

I received a notice through a credit monitoring company that XXXX  Home Depot credit card was cut by 50 % without any notice being sent to me. My credit was impacted by XXXX points. I had a $ XXXX credit limit, but due to my husbands death, I didnt finish the work on our house. I went from having a $ XXXX credit limit to $ XXXX within months of having used the card to finish our basement. MONTHS AND NOT YEARS! 

Is this how credit companies are allowed to punish consumers? Ive NEVER had a credit card limit reduced like this. The XXXX XXXX was the first and only company that has done this to me and it reduced my XXXX XXXX that was XXXX at that time!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - account charged off and paid in full. Credit agreed to remove from file XXXX XXXXXXXX XXXX  - paid in full closed, creditor agreed to intent to delete from file
Product: Checking or savings account

I had fraudulent charges to my account in the amounts of XXXX, and 2 charges for {$27.00} on XXXX XXXX. Now more than 90 days later my provisional credits have been reversible putting my account into the negative. I did not make the changes I disputed. I was not notified that the charges were going to be reversed. I want my money back and the account closed. Im tired of having issues with my account that are not being resolved. I want this corrected for good and the account closed.
Product: Credit reporting or other personal consumer reports

I am requesting that XXXX conduct a proper and thorough investigation of the inaccuracies I have disputed. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to perform a reasonable investigation of any disputed information. Merely responding within 24 hours without any evidence of such investigation does not satisfy this legal obligation.

Additionally, this practice appears to violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), which prohibits unfair, deceptive, or abusive practices. The CFPB has highlighted similar concerns in recent administrative proceedings.

I expect Equifax to provide evidence of a proper reinvestigation, including documentation or communications with the furnishers of the disputed information. If this matter is not resolved appropriately, I have had no choice but to escalate my complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or seek legal recourse.

I want consumer portfolio services, money lion, world acceptance, and both credit bureau systems removed from my report.

Please confirm receipt of this complaint and provide an update on the steps you are taking to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I was a client of XXXX XXXX XXXX. I paid off a negotiated debt to XXXX XXXX with my final payment being made on XXXX. The XXXX XXXX XXXX website shows that my debt is cleared and that I graduated their program. Shortly after that I received a letter from a company called XXXX XXXX saying I owed them the full amout of that debt.I contacted XXXX XXXX XXXX and they told me it was fine, and would adjust in the next few days. It didn't. I called the number on the collection letter. They looked up my account and provided me with a Paid in Full Letter. I'm currently trying to get a good interest rate on a mortgage loan. I submitted the Credit Control Paid in Full letter to my lender. They have a Rapid Rescore Department and are willing to work with me. The Rapid Rescore Department said they could not accept the Paid in Full letter because it's from Credit Control and not XXXX XXXX XXXX XXXX  XXXX  is the company that reported a collection to the credit bureaus. The Credit Control letter was signed by a collections supervisor and I can provide his name and also the Paid in Full letter. I called XXXX XXXX. They said I owed the money and asked who was the company saying it was paid. When I told them Credit Control, I was informed that Credit Control is one of their companies. They said they would contact them and if they showed that I paid the debt, they would provide a Paid in Full letter and also remove the collection from my credit report. Since then I received another letter from XXXX XXXX saying I now have to pay more, and the new bill exceeds {$1800.00}, This is almost {$600.00} more than what they originally said I owed in XXXX. I have since called them numerous times and was elevated to a manager on three separate occasions. The managers, first name only, and I can provide those first names, always say they will be able to resolve the issue in 72 hours and will get back to me. They say they can't call Credit Control about it, even though Credit Control is their company. They said they have a process and I need to wait. I have never heard of Credit Control or XXXX XXXX  prior to this. I called XXXX XXXX XXXX again to see if they would help me. I was told that I have a letter from Credit Control saying the debt was paid and that's as far as their obligation to me goes. In the meantime, I'm trying to close on a house. I will have to pay a higher interest rate if this can't be fixed. Houses are so expensive and any decrease in an interest rate is important. I hope you can help me. THank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX XXXX I experienced identity theft and fraud on my bank account which froze my account for a time period. No transaction could take place. I alerted the credit bureaus and many creditors. Upgrade reported my XXXX payment as 30 days late when I had actually paid and had recurring payments. I spoke to several associates in XX/XX/2021 and was assured by management that the credit reporting would be corrected and removed to reflect current due to the extenuating circumstances. Still to this day my credit report has not been corrected and I have been given the run around from multiple contact attempts. This negating in accurate credit reporting has caused significant damage to my score and ability to acquire credit. All I simply requested was a correction to my credit as I have never made a late payment and I was promised and told the correction would take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my report and saw accounts inaccurately reported. I know that credit reporting agencies are supposed to report only 100 % accuracy. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

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

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$710.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt or credit management

WE WERE PUT ON ARM LOAN TOLD WE WERE ON FIXED LOAN WHEN WE COMPLAINED ABOUT PAYMENTS THAT KEPT INCREASING, WE WERE TOLD WE COULD ALWAYS MOVE AND FACE DEFAULT ON OUR LOAN AND FORECLOSURE. SO WHEN THE PAYMENT GOT TO MUCH FOR US WE APPLIED FOR MODEFICATION AND ALWAYS MADE THE TRIAL PAYMENTS HOWEVER, WELLS FARGO KEPT MAKING US REAPPLY OVER AND OVER THEN THEY SAW WE WERE DOING ALL THEY ASKED THEN THEY ILLEAGALLY VIOLATED OUR CIVIL RIGHTS AND DISCRMINATED AGAINST US BY DENING OUR MODEFICATIONS OVER AND OVER BY CONTINUOUSLY LOSING OUR PAPERWORK THEY SAID OR THEY DIDNOT GET IT WHICH WERE ALL LIES I WAS DELIGENT ON GETTING THINGS TO THEM ON TIME TO KEEP OUR HOME ALL THESE THINGS WERE DONE BY WELLS FARGO AND OTHERS TO CAUSE A FORCLOSESURE ON OUR HOME, WHICH THEY FINALLY DID HOWEVER, IT SHOULD NOT HAVE HAPPEN, HAD THEY NOT INTENTIONALLY MISAPPLIED OUR PAYMENTS AND NOT APPLIED OUR PAPERWORK TO THE MODEFICATION. BY DOING THIS THEY COULD KEEP ALL THE MONEY WE PAID INTO OUR HOME AND FORECLOSE AND GET THE HOME AND KEEP THE MONEY. ALSO, THIS IS WHY I WILL FIGHT FOR OUR HOME BACK IN FEDERAL AND STATE COURT OR THE MONIES TO PURCHASE ANOTHER HOME AS THIS STRESS WORRY, BANKRUPTCY, BAD CREDIT HAS CAUSED SICKNESS OF XXXX AND OTHER XXXX XXXX. MUCH MORE CAN BE SAID ABOUT THE HARM WELLS FARGO AND THEIR INVESTORS HAVE CAUSED IN OUR LIVES, WHICH STILL AFFECTS US TODAY. THESE GROSS WRONGS MUST BE MADE RIGHT.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I called EQUIFAX concerned about an inaccurate account that I had already gotten removed. Account number # # # # # # # # # # # # # XXXX from receivable managements systems was reported on my consumer report on XX/XX/2022 after I had gotten it removed in XX/XX/2022 ; I did not receive any notification of the entry of this negative collection, any validation of debt, verification of debt from Equifax nor XXXX XXXX  XXXX. While I was on the phone with an Equifax XXXX, I informed her that I already called XXXX XXXX XXXX and requested verification of debt and Validation of debt I did NOT receive any information for either. I then asked her what information did EQUIFAX obtain to verify the debt and the XXXX aid she did not see anything there, even though the account has been disputed before and Equifax allegedly completed an investigation but does not have any documentation regarding the debt. EQUIFAX and receivable management systems violated my consumer RIGHTS and I want the accounts removed to fine both parties {$1000.00} USD each for violations of my consumer rights, failing to protect me as a consumer.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : Account Name : XXXX XXXX XXXX ] Date Listed : [ XX/XX/year> ] Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information. 

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law. 

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated 30-day investigation period. Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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

I reviewed my credit report through Transunion. I have an unidentified hard inquiry on my file. XXXX Inquiry from XX/XX/2017. I did not authorize this inquire and Transunion refused to remove this from my credit report.
Product: Debt collection

I contacted CFPB in XXXX concerning this issue. 

Thankfully, the company claimed to delete the issues I stated. I've attached the notice from the company. 

But these charges are STILL appearing on Credit Karma. Credit Karma claims the company has NOT deleted the items. 

I want them to delete immediate as they promised.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under RMP Services LLC. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize but should have been covered in full by insurance/Medicaid. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me and not being paid and in fact received a notice that the accounts would be removed. Additionally, I previously filed a CFPB complaint on XX/XX/XXXX in regards to the accounts that were supposed to have been removed and only 3 accounts have been removed. The one remaining account XXXX on my credit report continues to negatively affect me and I have never received adequate validation that the debt is mine nor that it was never paid by Medicaid/insurance. I do not believe the account belong to me as it should have been paid by insurance/Medicaid nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct and that the charge is not covered in full by insurance/Medicaid.
Product: Credit reporting or other personal consumer reports

I was never contacted by any debt collector or any company regarding any bills. I tried to contact them and have it fixed. They had different phone numbers and addresses that were incorrect. I disputed every single one of them about a year ago and nothing happened. They didn't contact me or anything. Also had some debt collectors threaten to put me in jail.

Everything is inaccurate and they state that everything is accurate without showing any proof!
Product: Credit card

I open a credit card in the store with Target two years ago I have not received a statement since. Then I received a letter from a collection agency stating I owed {$290.00} when the original charge was XXXX. I explained that I never received any statements Target mailed me copies of the statements that they received back return to sender because Target had the wrong address for my home address and instead of calling me two years ago to correct the situation they just ignored the problem. When I called target they told me the account was no longer with them to call the collections agency I called the collections agency and they staid to call target back and forth for days with no results. The last person I spoke to was XXXX employee id XXXX she told me there is not anything she could do that I had to pay the total amount I feel this is a bank error and I should only have to pay what the original charge was {$44.00} Target was rude and did not try to assist me in anyway. XXXX said over and over again that Target will not settle the amount when it is a bank error and it is affecting my credit reporting the wrong balance
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : personal information : name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX Current Address ( es ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX late payment XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$58000.00} XXXX XXXX XX/XX/XXXX {$0.00} collection/charge off XXXX XXXXXXXX XX/XX/XXXX {$450.00} Repossession XXXX XXXX XXXX XX/XX/XXXX {$0.00} inquiries : XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. Delete : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the payment history. I have asked to have them updated to paid as agreed, paid on time, never late. THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH DATE FOR EACH ACCOUNT IN THE PAYMENT HISTORY TO PAID AS AGREED, PAID ON TIME, NEVER LATE IMMEDIATELY. YOU HAVE 15 DAYS TO UPDATE THESE ACCOUNTS TO ON TIME, NEVER LATE, PAID AS AGREED OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. UPDATE : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX