23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2019 we started making payments to CMC Funding Inc, who then had SLS ( Specialized. Loan Service LLC ) take over the payments. Starting in XX/XX/2019, we started getting incorrect statements saying we were behind two payments. They even sent a person to our home to make sure that someone was actually living in it. Today I received a statement that states we are four payments behind, or they have put a lot of late fees on the bill. 
In XX/XX/2019, we went to our bank and from the bank, with the assistance of the Manager, we  faxed bank records to SLS showing that we were current. This has continued since then. Every month we get phone calls and a visit from a gentleman that assures them that we still live here. In XXXX we went once again to the bank and once again with her assistance we gathered all our information and sent it on its way to SLS. Nothing is working. They send us outrageous monthly statesmens, phone calls to no avail, however they are not listening to us or our bank, when we provide the proof of payment. 

We are at the end of a very short rope ... meaning, we are both retired, living off Social Security, making our home payment, and we can not get this company to do their due diligence by researching on their end to see where the payments are going and why it takes so long at their end for the payments to get documented in their system. 
I want to sue them for the balance of our loan. The amount of work, XXXX  and XXXX XXXX   and XXXX  that they have placed on my husband and I for the last six month is overwhelming to put it mildly! I can not keep going like this for the remainder of our loan balance. Granted we just started, however this is so ridiculous for us to go thru every month! We need help dealing with this company as they are not listening, nor are they reading the documents that we are sending from the bank. I have no idea what I need to do next. We have exhausted all of our options.
Product: Mortgage

I XXXX XXXX RECEIVED A PHONE CALL FROM SHELLPOINT MORTGAGE MANAGER XXXX XXXX ON XX/XX/XXXX at XXXXXXXX XXXX CENTRAL TIME. 
LETTING US THE BORROWERS WITH ACCOUNT NUMBER XXXX MR.XXXX XXXX XXXXXXXX AND XXXX XXXX KNOW THAT WE CAN NOT NEVER GET A LOAN MORTIFICATION AGAIN! 
DUE TO HURRICANE HARVEY AND A ELECTRICAL HOUSEFIRE WE SUFFERED IN XX/XX/XXXX AND XX/XX/XXXX. 
WHEN WE FIRST TRIED TO APPLIED FOR A MORTIFICATION BACK IN XX/XX/XXXX! 
THE INFORMATION ABOUT OUR HOME LOAN SHOULD HAVE BEEN EXPLAINED TO US WITH EVERY OPTION TO GET OUR PAYMENTS MADE FROM XX/XX/XXXX TO XX/XX/XXXX! 
SHELLPOINT MORTGAGE NEVER STATED OUR ACCOUNT WAS OR WOULD BE IN A NONE RETENTION PLAN FROM THE FIRST TIME WE INQUIRED ABOUT! MORTIFICATION BACK IN XX/XX/XXXX. 
AGAIN MONTHS PAST NEVER ANY LETTERS FROM SHELLPOINT MORTGAGE ABOUT HELPING US WITH A PAYMENT PLANS! 
WHILE THE MONTHLY PAYMENT WERE ONLY {$5600.00} TO CAUGHT UP OUR ACCOUNT! 
WE SHOULD HAD ALL OPTIONS! 
NOW WE ARE AT A {$25000.00} PAYMENT PLAN ONLY TO THE ACCOUNT ASAP TO KEEP OUR HOME FROM FORECLOSURE! 
THIS IS SHELLPOINT MORTGAGE ONLY PAYMENT PLAN TO HELP US! 
AFTER MAKING DISCRIMINATION AND PROFILING STATEMENTS AGAINST US AND OUR FAMILY MEMBERS THAT WE XXXX XXXX XXXX BECAUSE MR.XXXX IS XXXX XXXXFOR OVER 27 YEARS! 
SHELLPOINT MORTGAGE IS AND HAS VIOLATED OUR RIGHTS AS HOMEOWNERS AND NOW WANTS TO TAKE AWAY OUR HOME! 
WE NEED HELP!!
Product: Debt collection

I'M MENTALLY XXXX AND WAS TOOK ADVANTAGE OF BY PEOPLE I HAVE A STUDENT LOAN AND A CAR LOAN I DID NOT DO
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/2025 Jefferson Capital System, LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Cease and Desist Demand for Collection Activities Reference Number : XXXX DearJefferson Capital System, LLC, I am writing to formally demand that you cease and desist all communication and collection activities related to the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop all contact with me regarding this matter. 

This letter serves as my formal notice to exercise that right. Effective immediately, you are prohibited from contacting me at any time or through any means, including but not limited to : Telephone calls to my home, work, or mobile phone. 

Written correspondence sent to my home or email address. 

Any form of communication with third parties, including my employer or family members, regarding this matter. 

Be advised that failure to comply with this request may result in legal action against your agency for harassment and violation of the FDCPA. Additionally, if you believe this debt is valid, you may only contact me to provide verification of the debt or to inform me of specific legal actions you intend to pursue. 

Please confirm in writing that you have received this cease-and-desist request and that all collection activities and communications will cease immediately. All future correspondence should be directed to me exclusively in writing at the address provided above. 

This letter is not an acknowledgment of the validity of the alleged debt, nor is it a waiver of my rights under federal or state law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Was recently contacted by mail from Zion Holdings about a debt that I owed to XXXX XXXX for {$220.00} back from XX/XX/XXXX. I has a receipt from another credit agency from XX/XX/XXXX showing that that debt to XXXX XXXX was paid in full and theres a XXXX balance. Ive tried calling Zion Holdings to tell them this but they dont answer their phone. Ive been contacting a representative, XXXX XXXX, via email and she doesnt believe me when I say its the same debt because theres a different address on receivers end since I moved from that address in XX/XX/XXXX. Ive never had any other electric plan under my name since XXXX XXXX in XXXX.
Product: Mortgage

I am writing in regards to a problem regarding my mother 's estate. She was diagnosed with XXXX and is now deceased. The bank ( JP Chase ) that her loan was with, I applied for modification I was told by them that I needed to have my name on the deed which I had a probate lawyer help me with this and I have a court hearing for XXXX XXXX 2016. I had notified the bank with all my documents faxed to them with my lawyers letter showing proof. I received a letter from the bank date XXXX XXXX that they had received all my paperwork and that they will call me if they need additional information. I called the bank again to check the status of my modification and they told me that my house has a sale date for XXXX XXXX, and that they were unable to reopen my file. I went to the bankruptcy court in XXXX and filed chapter XXXX to stop the sale date. I then faxed a copy of my bankruptcy case to the bank and called them to make sure that they had received it, they then told me yes and that they were going to investigate and call me back. As of today XXXX XXXX they have not contacted me I received yesterday a letter from a third party that the had bought my property. 
JP Chase Bank has been giving me the round around with my loan modification. The letter that I received with the representative who was working on my file never returned my phone calls, and even when I scheduled with her to call me XXXX XXXX @ XXXX SHE never called me, I had to call myself and ask for her then I was told she was UNAVAILABLE!!!!! 
The XXXX should be notified and have someone go to Chase and re-train employees on communication skills. I am beyond disappointed with my experience with Chase, I will never have any family members or friends that I know bank with them. They are dishonest & do not honor their customers & people period. I have all my documentation that I faxed noted with whom I spoke too and dated.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently i have been monitoring my credit and recently found there were 2 credit card accounts where someone has apparently opened them in my name from California, and it was not me. One account is showing as Capitol One ( I HAVE NO CAPITOL ONE ACCT ), the second account is showing as XXXX XXXX XXXX ( I HAVE NO XXXX XXXX XXXX Acct ). I have absolutely NO knowledge of these accounts and i have verified with each of these entities that each of these accounts were not mine nor do i have any knowledge of them what-so-ever. 

I have also provided verification that to each entity the account is NOT mine and they are reporting inaccurately! As of this date they are STILL SHOWING on all 3 credit bureaus as delinquent accounts! 

Please help me get these fraud accounts off all three credit reporting bureaus!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/2022.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXX, I used Remitly 's website to send {$300.00} to a XXXX bank account. I selected the service/option that will make the funds available within minutes ( they call it " Express '' ).  Right after submitting the transaction, I received an email informing me that the funds will be available on XX/XX/XXXX, XXXX XXXX. That's 3 days from time of sending. I called them immediately but for some reason, I wasn't able to speak to a rep. The next day, I called again, and here, I was able to speak to one, and got a vague explanation about partner banks not doing business on weekends. I honestly didn't understand the explanation, nor accepted it. I said okay, I can't do anything about it. They said they'll give me {$10.00} credit for my troubles, with an additional promise that the funds will arrive on the date and time promised ( XX/XX/XXXX, XXXX XXXX ), even earlier. It didn't. So I called them again right after I confirmed that the funds weren't delivered yet. They actually brought a rep from their partner bank in the XXXX The explanation was that this partner bank acted as intermediary to the destination bank, and that the transaction was still on process with the destination bank. I told them to cancel it, then and there, and I'm going with XXXX. This was around XXXX XXXX. I immediately sent the money through XXXX, and as it always has, the funds were there within a minute or so. Around XXXX XXXX, I received an email saying the Remitly transaction has been completed. 

This service does not deliver on their promise. Very frustrating. There are at least 2 promises here : 1. Within minutes - failed 2. The 3 days after date - still failed 3. Request to cancel since the transaction was not complete yet - ignored, they mention somewhere that this is possible as long as the transaction isn't complete yet
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I've disputed this account multiple times and I have received nothing in the mail from them whatsoever! They have continued to verify the account with the credit bureaus, but they can't send me anything? That is against the FDCPA! I hope these people understand that they are ruining lives with invalidated information!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax confirmation # XXXX, has the following accounts reporting fraudulent on my consumer report. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / open XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX / open XX/XX/XXXX XXXX. XXXX XXXX, Acct, XXXX XXXX XXXX XXXX / open XX/XX/XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  / open XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : UNAUTHORIZED CREDIT INQUIRIES AND REQUEST FOR RESOLUTION DEAR SIR/MADAM, I HOPE THIS LETTER FINDS YOU WELL. I AM WRITING TO BRING TO YOUR ATTENTION A MATTER OF CONCERN REGARDING UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT HELD BY EXPERIAN. 
UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL CREDIT INQUIRIES THAT I DID NOT AUTHORIZE OR INITIATE. THESE UNAUTHORIZED INQUIRIES HAVE RAISED CONCERNS ABOUT THE SECURITY OF MY PERSONAL CREDIT INFORMATION. TO PROVIDE YOU WITH MORE CONTEXT, THE UNAUTHORIZED INQUIRIES APPEAR AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I UNDERSTAND THAT EXPERIAN TAKES ITS RESPONSIBILITIES SERIOUSLY WHEN IT COMES TO THE ACCURACY AND INTEGRITY OF CREDIT REPORTS. UNAUTHORIZED INQUIRIES CAN NEGATIVELY IMPACT AN INDIVIDUAL 'S CREDITWORTHINESS AND FINANCIAL SECURITY. TO ADDRESS THIS MATTER EFFICIENTLY AND AVOID UNNECESSARY COSTS ASSOCIATED WITH LEGAL PROCEEDINGS, I AM PROPOSING A RESOLUTION THAT WOULD BENEFIT BOTH PARTIES INVOLVED. 
ARBITRATION, AS YOU ARE AWARE, CAN BE AN EXPENSIVE AND TIME-CONSUMING PROCESS. IN THE SPIRIT OF RESOLVING THIS ISSUE AMICABLY AND TO THE SATISFACTION OF ALL PARTIES, I KINDLY REQUEST THAT EXPERIAN CONSIDER THE FOLLOWING : 1. REMOVE THE UNAUTHORIZED INQUIRIES : I ASK THAT EXPERIAN PROMPTLY REMOVE THE UNAUTHORIZED CREDIT INQUIRIES FROM MY CREDIT REPORT. THIS ACTION WILL HELP TO RECTIFY THE INACCURACIES ON MY REPORT AND ALLEVIATE ANY POTENTIAL HARM TO MY CREDITWORTHINESS.

2. COOPERATION AND GOODWILL : IN RETURN FOR EXPERIAN 'S COOPERATION IN REMOVING THESE UNAUTHORIZED INQUIRIES, I AM WILLING TO FORGO ANY FURTHER ACTIONS, INCLUDING ARBITRATION OR LEGAL PROCEEDINGS, RELATED TO THIS MATTER. THIS APPROACH WILL SAVE BOTH PARTIES THE EXPENSES ASSOCIATED WITH SUCH PROCESSES. 
I BELIEVE THAT A MUTUALLY BENEFICIAL RESOLUTION CAN BE ACHIEVED BY ADDRESSING THIS ISSUE PROMPTLY AND EFFICIENTLY. BY REMOVING THE UNAUTHORIZED INQUIRIES, WE CAN MAINTAIN THE ACCURACY AND INTEGRITY OF MY CREDIT REPORT WHILE AVOIDING UNNECESSARY COSTS AND POTENTIAL LEGAL DISPUTES. 
I KINDLY REQUEST THAT EXPERIAN RESPOND TO THIS LETTER WITHIN 15 DAYS OF RECEIPT TO CONFIRM YOUR WILLINGNESS TO COOPERATE AND REMOVE THE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 
I VALUE EXPERIAN 'S COMMITMENT TO MAINTAINING THE ACCURACY OF CREDIT INFORMATION, AND I AM CONFIDENT THAT THIS MATTER CAN BE RESOLVED IN A MANNER THAT BENEFITS BOTH PARTIES INVOLVED. IF YOU REQUIRE ANY FURTHER INFORMATION OR DOCUMENTATION FROM MY END, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX OR VIA EMAIL AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER, AND I LOOK FORWARD TO A TIMELY RESOLUTION. 
SINCERELY, XXXX XXXX
Product: Mortgage

I initiated this account for short sale on XX/XX/2016 by submitting lender package, offer and all required financial docs good through 90 days. On XX/XX/2016 we spoke to Freedom Mortgage and they confirmed that our package was received and a processor was assigned for review and all documents has been received but as per FHA guideline this loan must be reviewed for a Home Retention option first and it might take up to 30 days for the review to be completed. FHA Loan modification denial letter was sent to me dated XX/XX/2016 due to " Insufficient Income-Ability to Repay. '' Since the loan modification process was denied, we then called Freedom Mortgage on XX/XX/XXXX, to request them to order an Interior Appraisal as there was no interior value for this property. After document review was completed, on XX/XX/2016 I have received an email from their XXXX XXXX stating appraisal has been ordered. I received a call from an appraiser for access on XX/XX/2016 and access was provided on XX/XX/2016 and the value was good through XXXX/XXXX/2016 the appraisal was completed successfully. 

After several requests, we finally received a copy of the appraisal on XX/XX/2016. Then the value came back very high and freedom mortgage advised to dispute the value. The valuation dispute was submitted XX/XX/2016. On XX/XX/2016 the freedom mortgage XXXX XXXX sent an email stating Loan has been reviewed and determined sufficient value based on current as-is appraisal & AVM. Dispute the offer and supporting documents, the value dispute was denied out and the lender closed short sale process completely without a chance for the buyer to counter. 

On XXXX/XXXX/2016 we reinitiated the file again for short sale by submitting fresh package with all updated financial good through 90 days, offer and lender package. Then I was advised by the servicer that FHA extended the value expiration and it expires in 6 months which is XX/XX/2016. So, I was advised by freedom mortgage that they will order a new appraisal once the current value expires. When we called in freedom mortgage on XX/XX/2016 to get an update on the short sale review and the status of appraisal order they are advising me that the file needs to go through Home Retention Water fall process again whereas it has not even been 7 months since it got denied for Home Retention option on XX/XX/2016. In regards to the appraisal order they are advising me that they do not know when it will be ordered and they are not giving me any clear update on the file. When requesting to speak with management, I was also denied. Freedom Mortgage representatives are even advising me to call FHA for any updates on this file whereas they are servicing this loan.
Product: Credit card

On XXXX XXXX 2015, I applied for a Secure Capital One Credit card with a XXXX dollar spending limit. For some reason, it acted as if I applied for a normal credit card and added a hard inquiry on my credit score which is negatively impacting my total overall credit score. I 'm assuming this is based off my of my current credit score, which is why I applied for a secured credit card in the first place. I would like for this to be removed as soon as possible, as I never applied or signed up for a normal Capital One Credit Card. 

Thank you.
Product: Student loan

Well, My Concern, concerns several things, so I didn't exactly know which box to reference to begin my complaint. i got involved in this IDR loan with Navient because of What I was verbally told about ( concerning ) this loan repayment plan, which sounded good, verbally, ..at the time. HOWEVER, this info. is/was NOT actually the facts on paper. I got involved because I was mislead to believe that I would be paying on this loan for Ten ( 10 ) years,.. then it would be forgiven /dismissed. So, Here I am, thinking I will be forgiven within the next approx 5 years, since I originally got started with this plan. When I really begin to inquire into this loan, this past 3 months ago, I am now told that My plan doesn't expire till the next 25 years.!!?? Now, I was listening to what The Navient Representative Told me. MIND YOU ; I HAVE NOT BEEN READING ALL THE INTEMNIDATING FINE PRINT AND LANGUAGE HIDDEN IN THE REAL DOCUMENTS, UP UNTIL THIS POINT. I am Finding out Now that, The Verbal information I was Given, and was mislead to believe, was NOT True!!! I would NOT have gotten involved in anything of the sort of Arrangement, at my age,. I would be almost XXXX XXXX XXXX, or Dead prior to that time, trying to pay this loan I don't need to be paying on this kind of debt ( $ 22K ) plus more accruing interest,... to anyone,, at this point in my life.. All I get from Navient higher Authority, is an apology for mis-information, ( given me ), which doesn't pay the balance -bill, after being lured into this trap. Plz help!!.
Product: Credit reporting, credit repair services, or other personal consumer reports

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXXXXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC. According to FCRA 605B this information must be blocked immediately until the investigation is over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX  / XXXX XXXX   XXXX  XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX