23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I filed a dispute for an unknown medical account which had the account deleted on XXXX XXXX, 2015 ( copy of result page enclosed ) and as of XXXX XXXX, 2015 it was reinserted. 

I originally disputed the account on XXXX XXXX, 2015. From their response I filed a proper dispute on the unknown medical account, contacted the reporting collection agency with a dispute and request for validation on this unknown medical account as per instructions from Equifax. I sent a follow up dispute to Equifax and at that point it was deleted. Equifax 's reinsertion of the deleted unknown medical account is a violation of the FCRA and FACTA.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX for their failure to adequately validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). The details of the account in question are as follows : XXXX XXXX XXXX XXXX : {$1600.00}
Product: Credit reporting or other personal consumer reports

Corriendo mi crdito sin autorizacin ma cuando yo solo preguntaba por un producto he solicitado por va telefnica y en lnea removerlas de acuerdo a la ley de proteccin al consumidor y hacen nada  solo le ped que cuentas activas sin se quedaran haci por la reconozco que yo aplique
Product: Credit reporting, credit repair services, or other personal consumer reports

We have disputed this error twice with Mr. Cooper for our home loan that they say we missed a payment on. In 12 years of owning 5 homes, we have never missed or been late on a mortgage payment. 

1. Our loan was originally owned by XXXX Home Mortgage in XXXX XXXX. XX/XX/XXXX, we started a cash-out refi with XXXX XXXX 3. XX/XX/XXXX, our final payment was made to XXXX Home Mortgage. 
4. Sometime between XXXX and XXXX, Mr Cooper purchased the loan from XXXX. 
5. XX/XX/XXXX, XXXX XXXX  sent pay off to XXXX XXXX XXXX XXXX. XX/XX/XXXX, XXXX rejected payment and notified XXXX XXXX that Mr Cooper had purchased the loan 7. XX/XX/XXXX, XXXX XXXX notified us that Mr Cooper had purchased loan. This was the first we had heard that Mr Cooper had purchased the loan. 
8. XX/XX/XXXX, Payoff sent to Mr Cooper and account closed. 


RESPA guidelines say there is a credit reporting blackout for 60 days after a loan changes companies. 

1. Mr. Cooper shows Our last payment to XXXX was made in XXXX. 
2. Mr Cooper did not pick up the loan until XXXX. 
3. Mr Cooper received payoff for loan in XX/XX/XXXX. 

After talking with multiple people at Mr Cooper over the last 6 weeks, everyone is in agreement that this is within the 60 day window that a missed payment should not have been reported to the agencies. 

Our credit scores were lowered by 70+ points and we are trying to purchase another home. We have called Mr. Cooper 13 times since XX/XX/XXXX, filed 2 credit disputes with them, and the have responded that there is nothing to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been 6 months and XXXX Credit Bureau is still reporting XXXX unknown collection accounts on my credit that were not originated by me. I have tried calling and was transferred to another department in which i was on hold for more than 30 minutes before hanging up and they have ignored my written disputes. My only recourse and this point is to file a complaint with you and your company is hopes i will help me get the situation resolved or it is more ammunition to prove in court that i have tried to get my case resolved. <P/>XXXX Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Collection company was Professional Credit Service XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Biled by collector for {$100.00} sometime in late XX/XX/year>. 

Paid original creditor the balance of {$100.00} by Postal money order on XX/XX/year> Original creditor stated they would notify the collector of the payment. 

Recieved notice from collector dated XX/XX/year> attempting to collect the already paid debt.
Product: Checking or savings account

Refund Refused For Defective XXXX Merchandise. I purchased an XXXX XXXX XXXX prepaid phone and an XXXX XXXX XXXX prepaid plan from XXXX in XXXX, NJ, on XX/XX/2023. The phone was defective, but XXXX refused a return with the receipt. The defective merchandise was returned at the XXXX store in XXXX XXXXXXXX, NJ without a problem. My bank initially issued provisional credit, but reversed that plus {$59.00} added on XX/XX/2023, making the total withdrawal {$150.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX XXXX a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX FOR THE AMOUNT OF {$65.00} to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened on XXXX XXXX XXXX, XXXX XXXX opened on XXXX XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX  AND TRANSUNION ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following items are a direct violation of my consumer rights. 

Open XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.. 

XXXX, XXXX  Account # XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.. 

XXXX XXXXXXXX XXXX  XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS..
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. 
XXXX XXXX XXXX XXXX, Account # XXXX, Account # XXXX, Account # 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: Mortgage

The lender requires us to close our main credit card. They give no rationale for this requirement.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$890.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$650.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$800.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$28000.00} XXXX  XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX2024, I received a check from XXXX for a roof claim. The check was issued to XXXX ( my wife ), XXXX XXXX Bank ( mortgage lender ), and XXXX XXXX ( me ). 
The next day, XX/XX/XXXX, I went to XXXX XXXX Bank located at XXXX XXXX XXXX XXXX XXXX, FL XXXX, as instructed to get the check endorsed by someone at the bank. While I was there, I was told that they couldnt endorse the check and that I needed to send it to their back office in XXXX, SC. 
I left the bank and went straight to the United States Postal Service office at XXXX XXXX XXXX XXXX XXXX, FL XXXX to mail the check. I sent the check XXXX priority mail with tracking. The tracking number is XXXX. 
After about XXXX week, I noticed that the check was still in transit and not at XXXX XXXX Bank. So, I reached out to XXXX to report the delay. They responded to say there was nothing they could do till after 15 days. 
After 15 days, I reached USPS again. They responded and said there is nothing they can do. Then, I contacted the law firm to ask for XXXX to reissue a new check. Thats when I found out that the check was cashed fraudulently. 
I was instructed to complete Chases Declaration of unauthorized Endorsement form. I completed my portion and then sent it to XXXX. 
After several months, and numerous attempts to get an update from XXXX, I was informed on XX/XX/XXXX/24 that they will not issue another check. Their reason is that they fulfilled their obligation to me. 
I've reached out to Chase and XXXX  XXXX XXXX to solve this issue. Chase tells me that there's nothing they will do. XXXX  XXXX XXXX is on the verge of telling me the same thing. 
I am the sole breadwinner of my family. As my wife is a homemaker for our XXXX children. All our children are under XXXX. And I am without an adequate roof for living. I cant withstand such a big financial blow. And I need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im shocked when I was checking my credit report. Why I see this negative information. Why you put it on my name. I never apply for it. I dont know how to live right no and XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I believe someone used my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I NOTICE FRADULATE INQUIRIES AND COLLECTION ACCOUNTS ON MY CREDIT REPORT- CONTACTED AGENCIES FOR DISPUTE XX/XX/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

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


XXXX  Account # : XXXX has violated my rights. 

XXXX  Account # XXXX Has violated my rights XXXX XXXX Account # XXXXhas violated my rights. 

XXXX XXXX IN Account # XXXXhas violated my rights. 

XXXX XXXX Account XXXXhas violated my rights. 

XXXX Account # XXXXhas violated my rights. 

XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

XXXX Account # : XXXX has violated my rights. 

XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX Account # XXXX 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Suntrust has made 4 hard credit inquiries on me and they show up on my credit report, resulting in a significant negative impact on my score. The hard inquiries occurred in XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I did not authorize any credit inquiries either in writing or verbally except for the HELOC reapplication in XXXX XXXX. Suntrust is refusing to provide proof of my authorization and is refusing the remove these 3 unauthorized hard inquiries from my credit report. In fact, they refusing to even document that will not remove and not provide proof. This has been going on for several months now, and I am getting stonewalled from branch, region and central customer service contacts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, EXETER FINANCE CORP add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
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 XXXX XXXX XXXX. 


Account Name : OFFICE OF THE ATTY XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account XXXX : SST/SEEDFICR Account XXXX Account Name : XXXX FUNDING Account Number : XXXX has violated my rights. Or list of inquiries 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: Student loan

On XX/XX/XXXX, I received an email from Mohela stating that I owed the standard payment amount ( {$2000.00} ) due on XX/XX/XXXX. An application was submitted for enrollment in the income-based repayment ( IBR ) plan on XX/XX/XXXX. The status of this application as of today is still " under review ''. I was placed under an administrative forbearance on XX/XX/XXXX for the processing of my application. This forbearance ended on XX/XX/XXXX. However, my application is still not processed, and I have not received a status update on this application. Since I received this standard payment bill I have attempted to contact Mohela to either be placed on a processing forbearance for their prolonged processing or have my IBR application approved to make income-based payments. I have attempted to call Mohela 3 times ; being placed on hold for a total of 3h 57 minutes, 3 hours 52 minutes, and 1 hour 35 minutes. Mohela disconnected each of these calls. To summarize, Mohela has been unable to process my IBR application in the time they allotted for administrative forbearance, and they are now requesting full standard payment after the forbearance has ended without processing my IBR application or putting me on additional forbearance. I have been put on hold with Mohela for over 10 hours without receiving service trying to fix this issue.
Product: Credit card or prepaid card

Ladies and Gentlemen. Please be advised. I made a purchase with Jared XXXX in XX/XX/XXXX. Unfortunately, they are financed through Comenity bank. We never received the ring after purchasing, due to some modifications that were required. Because the ring was not ready by the promised date of delivery, we returned the purchase of the ring. However, Comenity bank had already started charging me interest. They initially charged me {$120.00} on XX/XX/XXXX. However, that amount significantly increased to {$500.00} the following month. This is AFTER the ring had been returned and was NOT on our possession. I contacted them NUMEROUS times to advise that we did not have the ring. But they advised that I was still required to pay the {$500.00}, even though the account was closed as well. After paying the total amount of {$500.00}, I was charged another {$8.00} the following month ( XX/XX/XXXX ). I paid that amount in addition to another {$15.00}. To prevent them from charging me an additional fee. The account is still closed on ALL the credit bureaus websites. But they refused to close the account and refund me the {$15.00} overpayment. I want them to refund my {$15.00} and PERMANENTLY close my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a letter of deletion/forgiveness for a late fee that was reported to credit bureau. It is for the month of XXXX. I called the company and they said they were unable to do it so I had to write the home office. I have n't gotten a response as of yet and I 'm in need of one.. I need the letter of forgiveness in order to pass the underwriting for my new home. That letter is the only thing holding me up from moving. My job changed it 's pay period so therefore I was late paying.My account is still open and current with prompt payments on time.
Product: Debt collection

From XX/XX/XXXX to XX/XX/XXXX I was XXXX to XXXX and was out of the country again from XX/XX/XXXX to XX/XX/XXXX. Upon my return and several months later, I was denied a mortgage application because a company called Progressive Management Systems had reported a $ XXXX debt on my credit report ; something I had no connection with and had no idea about. 
I made several attempts to reach out to the company via letter correspondence due to my current location but haven't received any positive response from them. I made it abundantly clear that I wasn't even in the country at the said time of this so-called debt and have proof of my military orders as well as flight itineraries. I asked for due process by providing me with some proof of debt validation but have not received anything to that effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE A WALMART CREDIT CARD WHICH IS NOW BACK UP BY CAPITAL ONE. WALMAT ACQUIRED CAPITAL ONE. IT ; S SAD THAT I CALL CAPITAL ONE FOR VERY BASIC QUESTIONS. WHEN WILL A NEW CARD BE SENT THIS HAD BEEN GOING ON SINCE XX/XX/2019 AND STILL GOING ON. I HAVE FILED A COMPLAINT WITH WALMART. I CAN NOT SHOP IF I DO NOT HAVE A CARD! I CALLED AND SPOKE TO MANY PEOPLE. I SPOKE WITH A SUPERVISOR WHO WAS HORRIBLE. I ASKED ALL THE RIGHT QUESTIONS. I HAVE MY MAIL FORWARDED TO GO OT A P0 BOX SINCE XX/XX/2019. EVEN PRIOR TO CAPITAL ONE ACQUIRING THIS ACCOUNT. HOW HARD IS IT TO GET A CARD AND TO GO THROUGH SUCH POWER ABUSE BY THIS PERSON I SPOKE TO. I NEVER RECEIVED AN EMAIL THAT A CARD WILL BE SENT. SINCE XX/XX/XXXX THE CARD WAS RETURNED. THIS CUSTOMER SERVICE AGENT WOULD NOT MAIL ME A NEW ONE UNITL SHE REPORTED THE CARD AS STOLEN!!!!! THE CARD WAS RETURNED TO CAPITAL ONE. THE ANSWER IS THEY DO NOT FORWARD MAIL WHICH IS STATED ON THE ENVELOPE THAT THE AGENT DID NOT KNOW. I CAN NOT PLACE AN ORDER ON LINE DUE TO MY CARD NO LONGER WORKING! ITS NOT BECAUSE I OWE MONEY OR BAD CREDIT THIS IS THE SHEER INCOMPETENCE OF CAPITAL ONE AND THE SUPERVISOR WHO DID NOT SEND ME A NEW CARD OR HAVE THE KNOWLEDGE OR TRAINING TO ANSWER BASIC QUESTIONS! SHE SHOULD BE FIRED! HORRIBLE, IF SHE COULD NOT ANSWER THE QUESTIONS I ASKED TO GET ME HER SUPERVISOR. SHE WOULD NOT DO THAT AND STATED THERE IS NO ONE ABOVE HER! SURE! TO GO THROUGH ALL OF THIS. I WANT THE CARD MAILED DIRECTLY TO THE PO BOX I PROVIDED AND ALSO THE PO BOX SHOULD NOT BE REPORTED TO THE CREDIT BUREAU. IT IS A TEMPORARY PO BOX AT THE POST OFFICE DUE TO MY BUILDING BEING UNDER CONSTRUCTION AND FORWARDED, I WANT THAT REMOVED OF THE CREDIT BUREAU. XXXX XXXX XXXX. I AM FILINF AN OCC COMPLAINT. THIS IS BASIC ADMINISTRATIVE ISSUES THAT COULD BE RESOLVED. THAT PERSON WAS SUCH AN IDIOT TO REPORT A CARD STOLEN WHEN IT WAS RETURNED DUE TO NOT FORWARDING! I AM SO UPSET THAT I HAVE TO GO TO THESE LENGTHS. I FILED A CFPB AND A OCC COMPLAINT DUE TO THE SUPERVISOR NOT GETTING ME SOMEONE ELSE TO HELP ME! ALL OF THIS TIME AND AGGRAVATION FOR WHAT!!!!!! 

NOTE : I ALSO HAVE A CAPITAL ONE 360 ACCOUNT WHICH I WAS GIVEN WRONG INFORMATION FROM A REP AT STORE ON XXXX XXXX XXXX IN XXXX XXXX, FL. YOU CAN NOT DO A TRANSFER INTO ANOTHER PERON 'S ACCOUNT ( ach ) ONLY MY OWN. YOU HAVE TO USE A THIRD PARTY LIKE XXXX DEPENDING ON THE BANK. I NEVER RECEIVED A DEBIT CARD! ITS BEEN 3 MONTHS!!!!!!!!!!!! STILL NOT DEBIT CARD!!!!!!!!!!!!! A JOKE TO SAY THE LEAST!!!!! THIS IS WHY I DO NOT USE THE BANK ACCOUNT BECAUSE OF THE HORRIBLE PEOPLE THAT DO NOT KNOW THERE RIGHT FROM LEFT AT CAPITAL ONE! IT CLEARLY SPEAKS FOR ITSELF. SUCH NON SENSE.