davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (TN)

I received a loan from speedy cash on XXXXXXXX and XXXXXXXX XXXX XXXX TN my line of credit was XXXX dollars give or take some. I was faithful in making payments until my medical alert dog got deadly sick. For which the cost was extremely expensive for someone like me because I live on social security. I am XXXX. I went to the company to notify them of my inability to pay I explained to them the situation regarding my medical alert dog and asked to negotiate but I was refused. Instead of stopping the pile of interest rates taxes and fees once they knew I couldn't pay they claimed that I agreed to acquire insane amounts of interest taxes and fees as well as the amount I owed them. When I informed speedy cash of inability to pay I only owed {$610.00} they then sold my information leaving me now owing {$1100.00}. I did not agree to in any way to allow unfair amounts of interest taxes and fees to build up as speedy cash claims. Medical alert dog 's are federally protected through the Ada and Dept of Justice I have federal obligation to maintain my XXXX XXXX animals safety, wellbeing, and health inCluding nutrition, exercise, protection, AND ALL MEDICAL NEEDS. I will be including a signed document from my XXXX assigning my dog to service. As well as a photo of said XXXX.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have tried in good faith to dispute this information with Experian and my disputes are falling on deaf ears. Experian is refusing to investigate my dispute and continues to report incorrect information. There are 2 pieces of information incorrect on my credit report. 

My first concern is Experian is reporting incorrect Account Status. Experian changed my account status to past due 90 days on XX/XX/XXXX. The account was not past due in XX/XX/XXXX so why was the Account status changed to past due account on this date? Experian can not explain why they changed the account status to past due account in XX/XX/XXXX when the account was in fact paid off in XX/XX/XXXX. As a result of this incorrect information I have been denied credit for something that never happened. I have made several requests which have also been done in writing and experian has ignored my requests to investigate this incorrect information. 

My second issue is Experian has failed to report all of my payments. Experian is reporting I failed to make a payment in XX/XX/XXXX. I have asked experian to update the correct payment history and reflect the payment made XX/XX/XXXX and Experian has yet to update this information. Please publish this information in hopes of other consumers experiencing the same problems can come together for a class action lawsuit. Experian refuse to investigate my disputes and this is incorrect information has hurt me beyond my worst expectations.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

( DISPUTE CODE - XXXX ) My personal information was stolen in 2020, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian 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 a account without my hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

ATTENTION TO ALL CREDIT BUREAUS I AM SUBMITTING THIS INFO AS THESE INQUIRES are a result of identity theft I have not done business or opened any form of account with these companies. I recently discovered through my monitoring service these accounts being reported I made efforts to remove the inquires from my file as they do not belong to me. 

INQUIRES REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I am XXXX XXXX and I am submitting this complaint against NATLCRSYS XXXX XXXX XXXX NATLCRSYS XXXX XXXX XXXX has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to NATLCRSYS XXXX XXXX XXXXto FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND NATLCRSYS XXXX XXXX XXXXXXXXto delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND NATLCRSYS XXXX XXXX XXXX ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND NATLCRSYS XXXX XXXX XXXXto delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND NATLCRSYS  AND XXXX APTSto delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND NATLCRSYS XXXX XXXX XXXXto delete this account/item within 4 business days ( Exhibits provided ) NATLCRSYS AXXXX XXXX XXXX duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given EXPERIAN this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Since XX/XX/XXXX, I have been working with the creditor Kohl 's regarding account XXXX. The credit grantor has changed he account status to OPEN when it was CHARGED OFF XX/XX/XXXX, and continues to report the account derogatory. I have sent the bureaus and the creditor certified letters and have been utilizing credit repair agency XXXX XXXX for additional assistance. Due to the erroneous and conflicting information, I request that this account be DELETED under the provisions below : 15 U.S.C 1681 Section 602A : states I have a right to privacy.

15 U.S.C 1681 Section 604A section 2 : states a consumer reporting agency can not furnish account information without my written consent or instructions.

15 U.S.C 166b A : states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1692C : states a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1692G : states debt collector will obtain verification of the debt or copy of judgment against consumer and will be mailed to the consumer by the debt collector, at the consumer 's written request.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX Experian Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXXXXXX XXXX Inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXXXXXX XXXXXXXX XXXXXXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX  Addresses : XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (OH)

On XXXX an account with First Progress was open this account is not mines. This company add derogatory marks on my credit report that is inaccurate. further doing my own research I found out on XXXX  that my credit score with down XXXX points cause of this inaccurate reporting. Also, I would there is No contract, or signature, or written communication between me and this company that states this deibt is mines. According to the FCRA ( First Progress ) have violated my rights as a consumer and I'm requesting legal action to remove this account from my credit report
Consumer complaint received 2022-11-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Calls almoat always come from a different number. Only the caller ID says Portfolio Recovery Associates. The one time a call was answered an automated voice was on the other end. A voice-mail is never left to prove the company is legit or what they had been calling about. The list below shows all the calls that I didn't delete. There were more before that I probably got rid of on accident. It is ridiculous to call somebody this many times from different numbers. This is the definition of harrasment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I received separate communications from Portfolio Recovery Associates , LLC, dated XX/XX/XXXX and XX/XX/XXXX, for attempts to collect an alleged debt. I have never given my consent nor do they possess the express permission of a court to communicate with me as a consumer. My rights as a Consumer have been violated in this and so many other ways by the unfair and unethical debt collection practices of Portfolio Recovery Associates , LLC. 

I was not employed at the time of the initial communication, so it arrived during a particularly inconvenient time for myself and my family. Additional strain was added to an already stressful situation through the use of abusive and profane language, not to mention the false representations made throughout this communication. 

The communication dated XX/XX/XXXX lists " account offers '', yet I have no account with this company. The balance is listed as {$2300.00} with 6 monthly payments of {$390.00} or 12 monthly payments of {$190.00} paying the full balance. However, there is a " savings plan '' using the following verbiage : 1 payment of {$1300.00} and save {$1000.00} ; pay {$220.00} for 6 consecutive months and save {$1000.00} ; pay {$110.00} for 12 consecutive months and save {$980.00}. The communication goes on to say they are not obligated to renew the offer and first payment must be received by XX/XX/XXXX. 

Portfolio Recovery Associates , LLC, willfully decided to violate my consumer rights AGAIN. The communication dated XX/XX/XXXX used different amounts in the " savings plan '' : 1 payment of {$1400.00} and save {$950.00} ; Pay {$240.00} for 6 consecutive months and save {$900.00} ; pay {$120.00} for 12 consecutive months and save {$850.00}. This version of the communication states they are not obligated to renew the offer and first payment must be received by XX/XX/XXXX. 

These communications clearly demonstrate the WILLFUL abusive, deceptive, predatory and unfair debt collection practices employed by Portfolio Recovery Associates , LLC. These practices have largely contributed to the instability of my marriage and family structure and definitely invaded my privacy whilst trying to stabilize them again. 

I am eagerly anticipating the return of the Certified Mail Receipt from the Affidavit and Invoice sent to Portfolio Recovery Associates , LLC. It is simply mean, heartless and downright evil to willfully prey on people that are doing the best they can to keep themselves and their families above water. Shame on you!
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXXXXXX XXXX Inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXX DEPTEDNELNET XXXX DEPTEDXXXX XXXX DEPTEDNELNET XXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX XXXX BANK AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX