davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-11
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account number XXXX XXXX-XXXX  XXXX  XXXX  - closed XXXX XXXX XXXX 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 XXXX XXXX, TX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  XXXX T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Violation Balance updated XX/XX/2019 Unknown payment history Account Info Hover over labels for more details Account number XXXX
Consumer complaint received 2020-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical Society Business Services, Inc. (AZ)

Called the office of Bureau of Med Economics on XX/XX/XXXX to advise that debt owed to XXXX XXXX XXXX  XXXX of {$250.00} was included in my husband 's bankruptcy which was discharged XX/XX/XXXX. XXXXXXXX Was told it would be taken care of. To date nothing has been done, it is still on the credit reports for each agency showing as " collection ''.
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (CA)

SageStream - never heard of them until today. Claims my credit is too low to get a car. When tried to get a copy of my report, it says I have to submit a lot of personal information by mail. Feels very scammy.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (MI)

I have two collection accounts on my credit report by a company called XXXX XXXX XXXX. XXXX is for {$360.00} and the other is for {$160.00}. Both of these two accounts with XXXX XXXX XXXX  are fraudulent and the company never sent me a notice of debt or a chance to validate the debt. XXXX XXXX XXXX  responded to my complaint on CFPB saying that I was correct and that they would notify all three credit bureaus to tell them to remove the collection from my credit report due to the violation. I have attached the response from XXXX XXXX XXXX to provide evidence of my complaint. XXXX, XXXX, and Experian did not do a proper investigation into this matter and all three credit bureaus have WILDLY different credit scores for my accounts with them. Please investigate as to why these credit bureaus have dropped the ball on their investigations and why their scoring is astronomically different than each other.
Consumer complaint received 2023-02-11
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number # XXXX XXXX  Collections Agen Account number XXXX has violated my rights. 

15 U.S.C 1681 sections 602A states HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 sections 604 A sections 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instructions.
Consumer complaint received 2021-01-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am writing to dispute the following information that appears on my Equifax consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX Account # XXXX XXXX- Account # - XXXX XXXX XXXX Account # XXXX XXXX- Account XXXX XXXX  - XXXX- XXXX
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

New complaint Kohl 's XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX used an outside collection agency at different times in the year of XXXX, giving me the option to settle a credit card debt for {$400.00}. I wasnt able to pay this at the various times they contacted me, and I informed them of this. Now as of XXXX, and XXXX of XXXX, Kohl 's contacted me, stating they want me to pay {$800.00}, to pay the credit card debt in full. I have a credit card statement dated XX/XX/XXXX, and it is for {$350.00}. I have made payments. I do not believe that I should be over charged so much over my initial statement balance as of XX/XX/XXXX. When they go through, my credit card history, I always paid my card off, and when I had a balance, payments were on time, every month.
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-26
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: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2021-01-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2023-03-05
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. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (TX)

Sent them a certified letter stating I needed more information on XXXX and they didnt even respond. Sent them a second certified letter on XXXX letting them know the violated my rights by not letting me know or proof of the debt.
Consumer complaint received 2023-02-08
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. (LA)

All accounts listed reported to Federal Trade Commission XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (AL)

I received a notification from XXXX dated XX/XX/2020. Then i received an notification from XXXX  stating that a collection account has been added to my credit report and this dropped my score 13 points. I have no contract with XXXX  or Jefferson Capital Systems LLC. I have never received any correspondence prior to this date allowing me to request validation of debt or giving me the ability to dispute this account. I want this account removed immediately and validation of debt from XXXX ( Jefferson Capital Systems ). I have never signed a contract with this company or have any knowledge of this debt from them. Please remove the account from all three credit reports within 30 days and send an updated copy of my credit reports showing this immediate change.
Consumer complaint received 2023-01-21
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. (OR)

In accordance with the Fair Credit Reporting act 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, 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. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-01-11
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: California Business Bureau, Inc. (CA)

After having no luck contacting me ( with a ridiculous number of phone calls at all hours ), the California Business Bureau contacted my mother in XX/XX/XXXX and harrassed her about my medical debt ... ..a debt that I have regularly been paying directly to the medical facilities in small installments. 

After being told they had reached the wrong person, the agency called my mother AGAIN on XX/XX/XXXX about my debt, and asked her to leave messages for me ... .which is a violation of the Fair Debt Collection Practices Act 15 U.S.C. 1692b ( 3 ).
Consumer complaint received 2024-03-22
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: EQUIFAX, INC. (AL)

My name is XXXX XXXX DOB is XXXX address is XXXX XXXX XXXX, XXXX XXXX AL XXXX XXXX I am a victim of identity theft due to the Equifax Data Breach. The following are fraudulent hard inquiries that I do not recognize and are not factual and should not remain on my credit report. 

XXXX - XX/XX/024
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

Your company, XXXX XXXX Bank, is reporting inaccurate and incorrect information to my consumer reports XXXX, Equifax, and XXXX. Your company reporting past due amounts for an account you labeled as charged-off. Your company did not have written permission from me to report any of the negative information to my consumer reports. 

Please see attached letter to understand the specifics and violations from your company. My mode of living has been affected and my ability to obtain credit to be able to take care of my family along with my children 's ability to pay for college.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

United States of America Federal Trade Commission Attn : Division of Enforcement XXXX XXXX XXXX XXXX XXXX XXXX  District of Columbia , USA United States of America Consumer Financial Protection Bureau Attn : Division of Enforcement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, USA NOTICE OF DISPUTE AND REQUEST FOR INVESTIGATION OF BILLING ERRORVALIDATION AND VERIFICATION OF ALLEGED DEBT WITH XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT RE : ALLEGED XXXX XXXX ACCOUNT NO. XXXX Dear Sir or Madam, I am writing to formally dispute a billing error and to request debt validation regarding an alleged debt that XXXX XXXX XXXX XXXX XXXX ( formerly known as XXXX XXXX XXXX XXXX ) claims I owe. This dispute is prompted by multiple instances of erroneous credit reporting by the organization, which allege an outstanding debt, as evidenced in my consumer credit file dated XX/XX/XXXX ( Exhibit XXXX ). I request the United States ( federal government ) Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) to conduct a comprehensive investigation into this matter. 

I assert my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically as outlined in 15 U.S.C. 1692g Sec. 809 ( b ), and sections 807 and 814 ( 15 U.S.C. 1692e, 1692l ), along with the relevant regulations ( 12 C.F.R. 1006.34 ( c ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), 1006.38, 1022.41, 1022.42 ). Additionally, my request is in accordance with the Fair Credit Reporting Act ( FCRA ), particularly under Regulation V ( 12 C.F.R. 1022.21 ( a ) ( 1 ), 1022.24 ( a ), 1022.25 ( a ), 1022.42, 1022.43 ) and 623 ( a ) ( 8 ) ( E ) - ( F ) and 623 ( b ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) - ( F ), ( b ) ).

This dispute also invokes my rights under the Electronic Signatures in Global and National Commerce Act, the Gramm-Leach-Bliley Act concerning the Privacy of Consumer Financial Information , the Bank Secrecy Act, Internal Revenue Service regulations , and the extensive protections provided by the FCRA ( 15 U.S.C. 1681-1681x ). Moreover, it includes my rights under the Consumer Financial Protection Act of 2010 ( CFPA ), specifically 1031 ( a ) and 1036 ( a ) ( 1 ) ( 12 U.S.C. 5531 ( a ), 5536 ( a ) ( 1 ) ), the Truth in Lending Act ( 15 U.S.C. 1601-1665 ), the Fair Credit Billing Act ( FCBA ) ( 5 U.S.C. 1666-1666j ), and the billing error resolution procedures under 12 C.F.R. 1026.13 ( Regulation Z ).

Given the significant implications for my financial well-being and credit history, I request an immediate and thorough investigation into these allegations. It is crucial to ensure that all collection efforts are valid and that any reporting to credit bureaus accurately reflects the legal and factual circumstances as required by the aforementioned laws and regulations. 

Sincerely, XXXX XXXX XXXX XXXX Citizen of Indiana state, All Rights Reserved without Prejudice
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 22 accounts that were paid in full, old accounts that were supposed to be deleted. 
The following inquiries are impermissible : 1. XXXX, XX/XX/XXXX 2. XXXX, XX/XX/XXXX 3. XXXX, XX/XX/XXXX 4. XXXX XXXX, XX/XX/XXXX 5. XXXX XXXX, XX/XX/XXXX 6.XXXX  XXXX XXXX, XX/XX/XXXX 7. XXXX XXXXXXXX, XX/XX/XXXX 8. XXXXXXXX  XXXX, XX/XX/XXXX 9. XXXX XXXX, XX/XX/XXXX 10. XXXX, XX/XX/XXXX 11.XXXX, XX/XX/XXXX 12. XXXX, XX/XX/XXXX 13. XXXXXXXX, XX/XX/XXXX 14.XXXX, XX/XX/XXXX 15. XXXX, XX/XX/XXXX 16. XXXX, XX/XX/XXXX 17. XXXX  XXXX XXXX, XX/XX/XXXX 18. XXXX XXXX, XX/XX/XXXX 19. XXXX, XX/XX/XXXX 20.XXXX, XX/XX/XXXX 21.Dpt EDXXXX XX/XX/XXXX 22. XXXX XXXX, XX/XX/XXXX Please remove these accounts from my credit report immediately.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 22 accounts that were paid in full, old accounts that were supposed to be deleted. 
The following inquiries are impermissible : 1. XXXX, XX/XX/XXXX 2. XXXX, XX/XX/XXXX 3. XXXX, XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX, XX/XX/XXXX 6.XXXX  XXXX XXXX, XX/XX/XXXX 7. XXXX XXXXXXXX, XX/XX/XXXX 8. XXXX  XXXX, XX/XX/XXXX 9. XXXX XXXX, XX/XX/XXXX 10. XXXX, XX/XX/XXXX 11.XXXX, XX/XX/XXXX 12. XXXX, XX/XX/XXXX 13. XXXX, XX/XX/XXXX 14.XXXX, XX/XX/XXXX 15. XXXXt, XX/XX/XXXX 16. XXXX, XX/XX/XXXX 17. XXXX XXXXXXXX XXXX, XX/XX/XXXX 18. XXXX XXXX, XX/XX/XXXX 19. XXXX, XX/XX/XXXX 20.XXXX, XX/XX/XXXX 21.XXXX XXXX, XX/XX/XXXX 22. XXXX XXXX, XX/XX/XXXX Please remove these accounts from my credit report immediately.
Consumer complaint received 2021-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

On XXXX I sent a principal payment only of {$13000.00} to loan care, lakeview loan servicing is the mortgage company. I have this problem every time i send in a principal payment, this is my second complaint to CFPB. The first resolve was to send the payment to a different address and that was to solve the problem, this did not solve the problem as the very next principal payment was split into 2 again {$11000.00} to principal and {$1500.00} for an additional payment although my normal payment was already made.I 've tried to reach out to the mortgage company and they never answer the phone as the recording states they are too busy, this has been going on for over 3 weeks.
Consumer complaint received 2023-05-18
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXXXX/XX/XXXX