davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Dear Staff, I need to be contact by the ORIGINAL CREDITOR, i dont speak to third class people who want to pay pennies for dollars owed and try to harass someone and iintimidate someone and threaten someone for something they never were owed, i believe this is PRICE GOUGING which is a crime by itself, they buy someone else 's debt peennies for dollars owed and try to harass others by trying to be a smart XXXX. 

I DONT OWE A XXXX TO ANY DEBT COLLECTOR, and i would like to seek action of price gouging against them. 

IF someone believes i owe debt, I need to be contacted by the ORIGINAL CREDITOR I do not need or want to be disturbed by XXXX XXXX XXXX who think they can make wealth out of someone by threatening and intimidating and making harassing calls which are all CRIMES by itself
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2023 this consumer attempted to contact Experian to request previous addressed be removed from credit report to which this consumer was redirected to the website as the request was unable to be made through the contact number. This consumer submitted a dispute online and sent a written request to have previous addresses removed. 

Under 15 USC 1681eb Bureaus are supposed to use maximum possible accuracy.
Consumer complaint received 2023-02-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I filed a dispute for information on Equifax credit report that is inaccurate, to no avail! 
It still has not been removed, nor have they contacted me about it!
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Recovery Systems, Inc. (MS)

I received a letter from Advanced Recovery Systems on XX/XX/XXXX of XXXX about a medical debt with a balance of {$130.00}. I responded by mail on XX/XX/XXXX requesting they provide me with the amount and age of the debt, a copy of the last billing statement sent to me by the provider, the amount of the debt when they obtained it, and when that was, any fees associated with the account, any payments made to the account, and to tell me when the creditor claims this debt became due and when it became delinquent. I received a response from Advanced Recovery Systems on XX/XX/XXXX of XXXX and that included a copy of a statement, which was never sent to me, dated XX/XX/XXXX with an incorrect balance of {$110.00}, a copy of the letter I sent to ARS, a form from the provider and a letter from ARS, signed by XXXX XXXX, that says Dear consumer, Attached is the verification you requested. Should you have further questions feel free to contact me as noted below. I never received any of the other information that I requested. The contact information listed on the letter included Advanced Recovery Systems address, phone number and XXXX email address. I sent an email to XXXX on XX/XX/XXXX of XXXX and let him know that I received the response to my request for verification but that the information provided was still incorrect and to please continue to treat the debt as in dispute and under discussion until resolved. I never received a response to that email or any other communication from ARS after that. I was looking at my credit the other day and noticed that I have a collections account from ARS that was reported XX/XX/XXXX. The date of first delinquency is listed as XX/XX/XXXX and that is false because my appointment was that exact day and I would not have even received a bill by then. I disputed the account on the credit bureaus website but they claim that it was reported correctly, this account is still on my credit report with false information.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$590.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance Owed : {$190.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX =======XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$190.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX =======TRANSUNION : XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$590.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested.

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Consumer complaint received 2022-05-22
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. (NY)

1. in accordance with the fair credit reporting act XXXX  account # has violated my rights.

2. 15 u.s.c 1681 section 602 A states i have the right to privacy.

3. 15 u.s.c 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.

4. account # XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

Account name : XXXX XXXX - Account number : XXXX Account name : XXXX - Account number : XXXX Account name : XXXX XXXX  - Account number : XXXX Account name : XXXX XXXX - Account number : XXXX Account name : XXXXXXXX XXXX XXXX  - Account number : XXXX Account name : XXXX XXXX - Account number : XXXX Account name : XXXX XXXXXXXX - Account number : XXXX Account name : XXXX XXXXXXXX - Account number : XXXX Account name : XXXX - Account number : XXXX Account name : XXXX - Account number : XXXX Hard inquiries : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XXXX Equifax XX/XX/XXXX - XXXX XXXX Equifax XX/XX/XXXX- XXXX XXXX - Equifax XX/XX/XXXX - XXXXXXXX XXXX XXXXXXXX - XXXX XXXXXX/XX/XXXX- XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax XX/XX/XXXX - XXXX  - Equifax XX/XX/XXXX - XXXX XXXX Equifax XX/XX/XXXX - XXXX - Equifax XX/XX/XXXX- XXXX XXXX  XXXX Equifax XX/XX/XXXX - XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  - Equifax XX/XX/XXXX XXXX DEPT OF ED - XXXX XX/XX/XXXX - DEPT OF ED - Equifax XX/XX/XXXX - XXXX XXXX XXXX - Experian 15 U.S.C 1681 section 602 A. States I have the rights 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 reports 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.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

My first attempt with Equifax, they received the information and did not act on it. When I called to follow up, they said the info was too old. I faxed them a written request and the supporting documents 500 times. I follow up, they said they had not received it. I filed a complain with CFPB, who sent them my written request WITH supporting documents. Equifax 's response... .send us a written request and supporting doccuments. so I am doing it again.
Consumer complaint received 2017-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MD)

XXXX XXXX added a collection account to my three bureau credit reports for {$1000.00} in XX/XX/XXXX. It lists the original creditor as XXXX. I closed my XXXX account in XX/XX/XXXX. I never received written notification of a presumed debt from XXXX XXXX and I never had a debt from XXXX. I have been XXXX with the military since XX/XX/XXXX and under SCRA protection. I believe XXXX XXXX 's practices to be illegal but they wont remove the items and it has dropped my credit score 40 points.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

received multiple emails morning of XX/XX/XXXX about a new account being opened. I never opened such an account at bank of america. this is the SECOND time this has happened. first time was the same scenario with bank of america back in XXXX XXXX.just 6 months ago! Bank of america needs to do better to prevent fraud. 

i just placed credit freezes last month with all 3 credit bureaus. how can someone still open an account fraudulently?! bank of america needs to do better!
Consumer complaint received 2023-02-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (LA)

We purchased our home in XX/XX/XXXX with over {$80000.00} of equity in it. The mortgage company was XXXX. On XX/XX/XXXX, our home flooded. We immediately moved into a hotel for 4 months ( that we had to pay for ), then in XX/XX/XXXX we moved into a XXXX trailer for the next 18 months. During this time we were reassigned to XXXX. As a result of the XXXX XXXX XXXX of XXXX, we were put into mortgage forbearance. Long story short, we submitted for hard-ship or refinance 8 times and have been turned down each time. In almost every instance there was something wrong with our paperwork and on XXXX occasions, when we were waiting on a reply after we though everything was fine, XXXX came back and said they apologize but we had been reassigned to a new XXXX. My wife even lost her job and XXXX would not help. Keep in mind, during the early stages we had a ton of equity in the property and asked several times to just add the outstanding balance to the back of the loan. Each time we were turned down and the only remedy was to pay-off the entire amount. We even went to our XXXX XXXX for assistance and were turned down by XXXX. I have had to file Bankruptcy 3 times to avoid losing my home and my wife has filed once. We just submitted to again to be refinanced to no avail as we are now way behind in payments.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed {$750.00} XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX  XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$450.00} XXXX  XX/XX/year>
Consumer complaint received 2023-02-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LTD Financial Services, L.P. (WA)

XXXX XXXX XXXX XXXX XXXX TX XXXX LTD Financial Services is trying to collect XXXX of debt using the loan service XXXX XXXX XXXX XXXX XXXX located in XXXX Arkansas under my name XXXX of XXXX XXXX Charged XXXX interest Charged XXXX fees Total debt now is XXXX Letter sent out XX/XX/2022
Consumer complaint received 2023-02-04
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: EQUIFAX, INC. (AR)

XXXX XXXX here, and I'm requesting removal of the fake accounts and information from my credit file by filing this CFPB complaint. I'm writing to you now to let you know that identity theft happened to me. You must take away any things that are discovered to be fraudulent or items that were the consequence of identity theft in accordance with FCRA section 605b. Please locate the necessary paperwork to help with the removal of the false information that is being placed to my report. The following objects were either opened without my permission or do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by FCRA Section XXXX ( a ), Credit Bureaus must block any information in a consumer 's file that the consumer claims was obtained through identity theft no later than 4 business days following the date of receipt.
Consumer complaint received 2024-03-13
Product: Credit reporting 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. (CA)

I hope this letter finds you well. I am writing to bring to your attention a concerning issue regarding unknown inquiries that have appeared on my account. Despite my efforts to address and remove these inquiries, the matter remains unresolved. 

I want to emphasize that these unknown inquiries have caused me significant concern and uncertainty about the security of my account. Despite my diligent efforts to address the issue, the inquiries persist, which is deeply troubling. 

I kindly request that you take immediate action to investigate and remove these unknown inquiries from my account. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the removal process. 

Additionally, I urge you to review your inquiry tracking systems and security protocols to prevent similar unknown inquiries from occurring in the future. Ensuring the integrity and accuracy of customer information is paramount in maintaining trust and confidence in your services. 

Failure to resolve this matter satisfactorily may compel me to explore further actions, including seeking assistance from regulatory authorities or legal counsel. However, I hope that with your cooperation, we can resolve this issue amicably and efficiently. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX