23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have filed a dispute about an account on my credit report and the company failed to investigate the information or prove that they investigated the information. I provided documentation showing the information was not correct. XXXX XXXX XXXX XXXX XXXX XXXX is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Mortgage Loan on XX/XX/21 & was denied or received unfavorable rates because of some inaccuracies on my credit report. There are XXXX XXXX XXXX XXXX  Student loans that are reporting a XXXX day late payment. This does not seem legal or accurate. I was under the impression that these loans were in deferment at the time, when they're saying I was late. Were payments actually due or was the loan in deferment? Was I notified in writing XXXX days before these payments were due? Is there any proof that I received the notification in writing or an invoice before they reported me late? I do not recall receiving any invoice or notification from XXXX XXXX XXXX stating that payments were due or that I had any amount past due. If I received a letter or phone call from them, I would have made a payment. 

I'd like to request that the XXXX day late payment be removed from all XXXX loans. If XXXX XXXX XXXX refuses to correct the payment history, I'd like to see all paperwork and proof that they are reporting accurately and followed all laws and procedures to notify me before reporting me late.
Product: Student loan

XXXX ) XXXX XXXX for not disclosing loan details and interest rates. 
XXXX ) XXXX  for confusing loan terms/language and XXXX ) inaccurate payement/interest rates XXXX ) as well as increasing interest rate during presidential / national forbearances ). 
XXXX ) Full XXXX XXXX as a predatory private institution for promising post graduate job placement and results that it did not meet. 
XXXX ) XX/XX/XXXX and XX/XX/XXXX lost lawsuit of above loan providers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The ending of XXXX XXXX XXXX has notified me that credit accounts were being opened under my information and affecting my credit score. 
Starting since, XXXX XXXX XXXX  XXXX XXXX XXXX Synchrony Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account for XXXX XXXX, XXXX ( collection agency ) along with the original account owner of XXXX XXXX XXXX  on my XXXX  credit report on XX/XX/2020. They reported that the information was correct and was verified as such, even though it is not. After filing a claim with the XXXX   XXXX  XXXX  I received an email and postal mail response stating that these accounts are not correct and will be removed from my credit reports. However, XXXX  is still reporting both accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked the credit bureaus Transunion, XXXX and XXXX to do a through investigating of my report and correct any inaccuracies. They sent me a letter back from all three bureaus and stated that all the information was correct and accurate. I followed up and did my own investigation my self and found incorrect and inaccurate information after they did their investigation. 

I asked the reporting agencies to look into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In accordance to the fair credit reporting act XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. states that I have a right to privacy.

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

On or about  XXXX   XXXX ,   XXXX  , I noticed that a LVNV Funding LLC company had reported a derogatory mark on my  XXXX  and  XXXX  credit file. This is an unknown entity and I am not familiar with this company, nor have I done business with this agency in the past, however, this agency is reporting adverse information on my credit file, which is causing harm to my creditworthiness.     This agency is associated with  XXXX   XXXX    XXXX    XXXX  as my credit file reference  XXXX   XXXX  as an original creditor in some form, however, I have no relationship with either organization. This company has never sent any information to validate this debt, or show evidence that I have any contracts, or outstanding debts with them whatsoever.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, XXXX, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax, XXXX, XXXX actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against the, for similar violations. I request that the CFPB take action to ensure Equifax, XXXX, XXXX complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

This company is reporting an account with a person that has my same name but different ssn! If this company can not produce accurate proof that my ssn was is tied to this account it needs to be removed ASAP! This is someone elses account reporting on my credit report and ssn! That is illegal!
Product: Credit reporting or other personal consumer reports

I was notified that my information was exposed in multiple data breeches so I pulled my credit report to check them for any information that should not be on them and noticed that I had a public record of a bankruptcy, and several inquiries that I did not authorize as well. Please remove the public record and the following inquiries from my report. i have attached a copy of my FTC report to the complaint.
Product: Credit reporting or other personal consumer reports

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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$27000.00}
Product: Money transfer, virtual currency, or money service

A fraudster obtained my personal information and opened a new account under my name at Capital One Bank ( and many others ). Then the person transferred {$28000.00} from my XXXX account balance into the new Capital One Bank account. 
On XX/XX/XXXX, I contacted the Capital One Bank, and informed them of the fraud, and they did flag the account as an identity theft account, locked up the funds, and began an investigation. They informed me that they would be returning the funds to the XXXX account, but that has not happened yet. 
During multiple subsequent phone conversations, they still claim they are investigating, and provide no further information, or timeframe to return the funds. 
This is not a complex investigation. The funds should be immediately returned to where they came from, so that I have access to my money.
Product: Credit reporting or other personal consumer reports

Ally financial sent my account to a third party to collect. I settled with the third party and made my payments. I reached out to Ally financial to update the amount shown on credit report to reflect negative balance. They refuse to talk to me and send me to third party. The third party said they have sent them the information to show I paid but they refuse to update the information on the credit report.
Product: Money transfer, virtual currency, or money service

I REQUESTED ALL DOMESTIC AND INTERNATIONAL WIRE TRANSFERS I SEND FRPOM XX/XX/XXXX TO XX/XX/XXXX SENT TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, XXXX, and I C SYSTEM ( Original Creditor : 11 XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and I C SYSTEM ( Original Creditor : 11 XXXX XXXXXXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian regarding a Public Record ( Bankruptcy ) on my credit report via certified mail on XX/XX/XXXX. The dispute is in reference to the following item : BANKRUPTCY CHAPTER XXXX-DISMISSED Filing Date XX/XX/XXXX Amount {$0.00} Reference Number XXXX Court Us bkpt ct nj XXXX Specifically I asked Experian to verify this information and show me how they had verified this information. 

They replied me on XX/XX/XXXX claiming that they verified this item based on information from a 3rd party, The 3rd party is not specified. Here is their response : US BANKRUPTCY COURT NEW JERSEY Public Record REF # XXXX .... 
The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

I contacted the court in question and they informed me that they do not respond to verification requests by credit bureaus or 3rd parties.
Product: Debt collection

Received a credit alert from XXXX and XXXX of a debt owed. This debt is not mines I never lived at The XXXX XXXX  nor have I applied for any credit from them. I have all 3 credit reports locked! I have enrolled in XXXX XXXX which has my credit locked! How do these rental companies keep allowing thieves to use my ssi without proper identification is beyond me. I have been dealing with this crisis since 2021 and none of these agencies have done there job. I'm starting to think that they are behind my identity been stolen. The collection agency on behalf of XXXX  XXXX XXXX  is Columbia Debt Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent accounts on my credit report, which I reported to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, yet they are not removing these fraudulent accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were opened at an address where I have never lived at and it has nothing to do with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXXXXXX ) XXXX Balance : {$7100.00}.
Product: Credit card or prepaid card

Follow up with COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 citi card told you and I that they will resolve by XX/XX/2020. 
However they did not contact me or resolve that. 
That is not first time that citi play games with me about the issue.,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it to Equifax Credit Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous late open accounts reporting on my Credit Report : XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX $ XXXX Opened : XXXX XXXX, XXXX
Product: Bank account or service

MY bank is charging me an over draft fee on items that did n't overdraft when they cleared, and they are XXXX charging me for things that did overdraft. 
EX : there was XXXX separate {$4.00} items that were still pending, then i had an invoice from XXXX come thru while they were still pending ... i got charged an overdraft fees for those XXXX items even though the XXXX {$4.00} items posted they did n't overdraft. then i got charged again another XXXX overdraft fees ( for the XXXX invoice, then i had to go to the XXXX and get XXXX ). 
Then again i got charged on overdraft fee for an item while still pending and again when it cleared
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year> I saw some XXXX inquiries that did not have permissible purpose. Can you reinvestigate the inquiries listed below ( 1 ) XXXX XXXX XXXXXXXX. THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 1681B ( 2 ) XXXX XXXX XXXXXXXX. THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 1681B ( 3 ) XXXX XXXX XXXXXXXX. THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 1681B ( 4 ) XXXX XXXX XXXXXXXX. THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT DELETE THIS INQUIRY DUE TO VIOLATION OF 15 USC 1681B
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent in a complaint to the XXXX on XXXX. On XX/XX/XXXX I received the message from XXXX  by phone that they have not removed the hard inquiry from Factual Data. The representative from XXXX said that Factual Data needs to send them notification to delete the inquiry ... One received they WILL DELETE THE HARD INQUIRY. I have proof that Factual Data DID in fact notify XXXX to delete the hard inquiry from my credit report ... XXXX is not holding up to their legal obligation to remove the error from my credit! XXXX has already deleted the hard inquiry. XXXX never reported or had knowledge of the inquiry.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I believe these entries are the result of unauthorized activity. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to request the removal of these fraudulent entries. 
Accounts to XXXX and Delete : XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$220.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$260.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$530.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$1200.00} XXXX. XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$3000.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$250.00} XXXX. XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$220.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$210.00} XXXX. XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$1200.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$250.00} XXXX. XXXX  - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Inquiries to Block and Delete : XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX
Product: Checking or savings account

My accounts with NFCU were restricted and I was asked to submit identifying documents which I did via fax. The closest branch to me is over XXXX hours away and despite the fact that I am a XXXX Veteran and just spent XXXX months in the hospital having half my jaw removed- they are demanding I go into the branch. I have asked for my account to just be closed and my balance sent to my address on file. The customer service agent said she can send a request. She also insulted me many times by calling me maam when I explained my voice is strained from having a XXXX XXXX XXXX XXXX XXXX XXXX months. Very very rude. I was not told they will honor my request or not. This is ridiculous.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent the following email multiple times to Venmo and they will not respond. 
Please respond to my dispute request ASAP. I don't know who the person is that used my bank debit card without my permission but they did 5 charges for Venmo. I have never used Venmo and probably never will after this. I did just now set up an account on the app because your website made it sound like I had to, to do a dispute. Your website is very confusing. I tried calling but couldn't get anyone on the phone to help me. The only reason I learned of the fraudulent charges on my bank account is because I received a fraud alert on my phone yesterday morning asking if I just did a charge for Venmo for {$10.00} and I responded NO immediately and then looked at my account and realized 4 more charges have been made on my bank account. No one else has access to my bank account and I, nore anyone else in my family uses VenmO and does not have access to my debit card. I contacted my bank and they will not intervene because you are a XXXXXXXX XXXX. My bank account is not overdrawn because of the XXXX who did these charges on my card. I want it investigated and I want the person responsible for the fraud prosecuted. I want this investigated immediately and I want the money back in my checking account immediately. It is impossible to get anyone on the phone at Venmo to help me, your chat system is not helpful and your website does not make it easy to file a dispute and is very confusing, especially at such a stressful upsetting time like this. 

XXXX XXXX XXXX