Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

The company did not answer any of my questions or resolve my issues. IQ DATA INTERNATIONAL is trying to collect a debt I DO NOT OWE THEM. IQ DATA INTERNATIONAL has failed to provide proof and Validation that I made an agreement or contract to pay IQ DATA INTERNATIONAL. IQ DATA INTERNATIONAL also failed to respond via mail after my direct Mail in contact, that they requested from me, before 60 days had past. IQ DATA INTERNATIONAL must remove their false collection from my report. They are in direct violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). Please remove this from my report, this is false reporting. 

IQ DATA INTERNATIONAL will not provide proof that I signed an agreement to pay IQ DATA INTERNATIONAL. I do not owe IQ DATA INTERNATIONAL
Complaint sub-issue: Problem with additional add-on products or services purchased with the loan

On XXXX XX/XX/XXXX my wife and I purchased a new Volkswagen XXXX  XXXX  from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. At the time of the purchase my wife an I purchased the GAP insurance product for {$790.00} which was added to the total amount financed for the car. 
Today, XXXX XX/XX/XXXX, I went in to the dealership to request a pro-rated refund on the GAP policy as my wife an I no longer need the protection. I spoke with one of the finance managers who attempted to look the policy up on the insurance company 's ( XXXX XXXX XXXX XXXX ) website but could not locate the policy using the policy number on our GAP policy paperwork. The finance guy then called XXXX and spoke to a rep with the phone on speaker-phone. When asked why the policy wasn't coming up on the website the rep stated, " The paperwork for that policy was never submitted. '' The fincance guy then ended the call and I told him that didn't make sense as I had the policy paperwork in my hand and my purchase contract ( at home ) had the GAP policy on it. The finance guy then printed out a copy of the purchase contract from their archive system. The document he printed did not have the GAP insurance on it. He stated that my wife an I must have declined the coverage but did not have an answer when I asked him why I would have the GAP policy document signed by us and the dealer rep if we had declined the policy. 
I left and went home and looked at my paperwork. The GAP policy is listed on our purchase contract, which by the way is the real and legitimate paperwork. 
What has, obviously, happened is that someone at the dealership created a fake sales contract which omitted the GAP insurance and filed that contract in their system, never submitted the paperwork to XXXX to initiate the policy, and pocketed the {$790.00} premium we paid for the GAP policy. 
This is larceny and insurance fraud.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have no a knowledge of this account according to the FCRA This item must be removed
Complaint sub-issue: Banking errors

On XX/XX/XXXX, I sent the following letter to Citibank. I have not yet received a response and am still being charged fees. I want all these fees refunded and the issue fixed so it does not recur. 
Citibank XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Hello, I am writing because I have been completely unable to get any assistance for my issue by phone or by chat. My accounts are under routing number ( REDACTED ) ( ACCOUNT 1 ) ( checking, ) ( ACCOUNT 2 ) ( savings, ) and ( Account 3 ) ( savings. ) In XXXX, when I opened these accounts in the basic banking package, I was informed that I would pay no monthly fees if I maintained combined balances of {$1500.00} or higher in linked accounts. ( ACCOUNT 3 ) has had over {$2500.00} in it since it was opened. However, on XX/XX/XXXX and on XX/XX/XXXX, account ( ACCOUNT 2 ) was charged {$4.00} for monthly service fees, and on XX/XX/XXXX, account ( ACCOUNT 1 ) was charged {$12.00} for monthly service fees. This most recent charge caused the account to be overdrawn, resulting in an additional {$34.00} fee. None of these fees should have been charged in the first place. In addition, I am quite concerned this scenario may repeat itself in the future. Unless all these fees are removed from my accounts and I receive a guarantee that my accounts are properly linked and such an issue will not recur, I will be closing all my accounts with Citibank and may pursue legal action to cover the {$55.00} I am owed.

Email is the best way to get in touch with me. If necessary, you may also call me at the number above or write back to the address above. 


Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$690.00}XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$4000.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$970.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 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 XXXXc # XXXX These accounts have 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 a account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

My  XXXX  Credit Card is reporting me 30 days late. I never made a late payment and only followed directions that their representative gave me.
Complaint sub-issue: Reporting company used your report improperly

I recently became a Social Security Card holder. I'm aware that following a change in XX/XX/2011, SSA began to issue SSNs that start with the first three digits greater than 772 ( reference 1 ). My SSN falls into that bucket. However, electronic form found on XXXX ( ref 2 ) would not accept such an SSN. If I put in my SSN, a message comes up saying the SSN is invalid. As a result, I can not opt out of pre-screened offers. 

References 1. https : //www.ssa.gov/kc/SSAFactSheet -- IssuingSSNs.pdf 2. XXXX XXXX XXXX
Complaint sub-issue: Attempted to/Collected exempt funds

I have been targeted by Racketeering & Identity Theft Fraudsters who have stolen my exempted social security XXXX income at a XXXX XXXX Bank by Malicious Prosecution in violation of the FDCPA.
Complaint sub-issue: Account terms and changes

The issue is with Credit Karma. They are a 3rd party agency that gives out false information determines there own factors in credit scores and misrepresent the true score. My credit score changes with them almost daily and goes down even though there is no movement or nothing has changed on my credit report. These kinds of site should be put out of business for reporting false information and leading people to believe what they are reporting is true and accurate when it is not.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Complaint sub-issue: Debt is not yours

to whom it concerns i deputed been over 30 day there is inaccuracy in my credit report. no results. or replay or changes. i sent letter out on XXXX XXXX XXXX knowing mail is slow but i ask to be removed. the collection agency. is progressive management XXXX $ not alot but not mine debt. original debt creditor is XXXX memorial hospital. this is a violation of my hipaa medical privacy or health privacy. if i had hospital visit i would used my insurance plan. i have a scan my id cards
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX I contacted XXXX about the fraudulent account that shows on my credit report for {$810.00} opened on XX/XX/XXXX. I informed them the account is fraudulent & I was told JEFFERSON CAPITAL bought the account, and I have to file a dispute! I file a dispute & no other actions has been made by the company after several calls I made to the company to get it removed!
Complaint sub-issue: Their investigation did not fix an error on your report

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. HAS VIOLATED MY RIGHTS AND THIS ARE THE COMPANY THAT HAVE VIOLATED MY RIGHTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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. 15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Complaint sub-issue: Personal information incorrect

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX SS XXXX DOB XXXX THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, 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 XXXXXXXX i HAVE SEVERAL NUMBERS THAT ARE NOT MINE ON MY FILES PLEASE DELETE/REMOVE THE FOLLOWING : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Information is not mine

Not applied for a credit card was not in town when arrived, can not get on due to questions about mortgage etc. are none of above
Complaint sub-issue: Information belongs to someone else

I filled FOUR dispute with Equifax over inquiries that do not belong to me. I have submitted police report, FTC reports and notarized statements, including formal disputes through Equifax and they will not remove these inquiries. My profile has been flagged with having identity theft since XX/XX/2014 and all of these inquires occurred after that date while my account was locked. The last dispute i received a autoresponder message from Equifax informing me of how long inquiries stay on my report. The inquiries do not belong to me.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX XXXX submitting yet another CFPB Complaint today requesting the removal of the Fraudulent items from my Credit Report. Again, I was a victim of identity theft and this is my fourth request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This complaint is to notify the Credit Bureaus that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$350.00} XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, XXXX. XXXX Open Date XX/XX/2018 XXXX : {$0.00}
Complaint sub-issue: Information belongs to someone else

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) -XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX  has reported late payment on my credit report fromXX/XX/2018-XX/XX/2018 140 days late payment this car was totaled lost and account was close this year XX/XX/2018 with a {$0.00} Balance XXXX XXXX XXXX   is reporting false information on my credit report and now as added back the dedit under the FCRA LAW DEDIT COLLECTOR CANT REPORT FALSE IMFORMATION ON MY CREDIT I will sus this company if this is not removed off my credit they have added this to my report with out my knowledge and has affected my credit score This company Is not right and this is against the law
Complaint sub-issue: Received bad information about your loan

The company called repeatedly stating they could help me to lower my payments, so finally I contacted them. They told me from the start, back in XXXX of 2017 that my monthly student loan payments could be as low as $ XXXX/month, and that after 15 years the loan COULD be forgiven completely. They told me I had to pay {$690.00} over 3 months to get the plan set up, and for some reason I understood part of that money was going toward my student loan, to show that I wanted to repay my loan, and to " bring my payments up to date ''. After they received all of the payments I learned that the total {$690.00} was just to pay them to process paperwork I could have done myself. But they led me to believe they had a special program, and it was the only way to lower my loans. Then they told me I would receive the information necessary to start my payment schedule. I received an email detailing how to access the navient web page to set up my payment plan. I could n't figure it out so I contacted them, and they told me I did n't have to pay anything against my loan! Instead, the $ XXXX/month payments were to keep them handy to " help '' me, to answer questions, and to refile paperwork next spring to re-enroll me in the " payment plan '' .When I mentioned that $ XXXX/month is NOT a payment, the guy went on to tell me how much money I owe and how lucky I am that they got my payment down to XXXX!! They also falsified my information, putting my family size at XXXX. They said they got my payments so low because they were able to prove I make below the poverty level for my state. They lied to me, and they lied about me. They filled out my paperwork, and did it while they had me on the phone. I assumed they filled it out correctly, and entered the information I gave them.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

i was looking at my credit report and i see a collection on my credit report and its affecting me from getting my life together. i would like verification of the this debt.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly the XXXX XXXX XXXX partial account number XXXX as ( 120 ) plus days past due. ( Please see page 4 of the attached credit report. ) This account was included in my bankruptcy and should be reporting as such. I have contacted the bureau to fix this however, I have been unsuccessful. This incorrect reporting is harming my credit score. This trade line item needs to be updated to report accurate information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Can't get flexible payment options

I first consolidated my XXXX loans in XX/XX/XXXX, Citi bank bought the loans and I was currently enrolled in another school at the time, so the loans were in deferment for many years. Anytime I was not in school I did make payments, however once I completed my XXXX and was out of work, I put the loans in forebearance ... .or so i thought. I tried numerous attempts to make arrangements with Citi bank to cure my defaulted account, then finally gave up. Now they are over {$24000.00} and in collections- I just got the letter today XXXX/XXXX/XXXX. The wo n't work with you on anything. It 's either all or nothing. You are at their mercy.
Complaint sub-issue: Investigation took more than 30 days

I am XXXX XXXX submitting this complaint on my behalf there is no third party involved. On XX/XX/2022 My billing error dispute ( Exhibit Included ) was delivered to Lending Club This Company has refused to acknowledge receipt of the documents they are furnishing inaccurate and incomplete information on my consumer report which lacks accuracy and integrity pursuant XXXX XXXX XXXX. I have included in my Exhibits the proof of delivery along with my pre arbitration demand letter. This shall serve as my second and final notice of an error that I am disputing in my bill and demanding Lending Club make the appropriate changes necessary to properly reflect my account. The inaccurate information has caused me the inability to obtain credit for my personal, family and household use. Lending Club Is furnishing information without accuracy to XXXX, XXXX AND XXXX which lack a great deal of integrity which has caused substantial harm.
Complaint sub-issue: Frequent or repeated calls

CITI STILL CONTINUES TO CALL REPEATEDLY ALL THROUGH THE DAY. 
THE CALLS NEVERED SEIZED XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXXXX/XX/XXXX) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX) XXXX XXXX (XX/XX/XXXX ) XXXX
Complaint sub-issue: Account information incorrect

THER ARE SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT ARE REPORTING INNACURATE INFORMATION I HAVE REACHED OUT TO BOTH THE XXXX AND THE CREDIT BUREAUS SUCH AS XXXX, XXXX AND EQUIFAX. 
TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX