23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information for complaint # : XXXX ; Equifax violated my rights under 15 usc 1681i ( a ). Pursuant to 15 usc 1681i ( 7 ) Description of reinvestigation procedure A consumer reporting agency SHALL PROVIDE TO A CONSUMER A DESCRIPTION REFERRED TO IN PARAGRAPH ( 6 ) ( B ) ( iii ) BY NOT LATER THAN 15 DAYS AFTER RECEIVING A REQUEST FROM THE CONSUMER FOR THAT DESCRIPTION. As of XXXX XX/XX/2022 Equifax responded to CFPB stating that it is still working on my issue. It has been well over the 15 day time frame, which is a violation of the law granted for Equifax to send me their method of verification for re-investigation. I filed with CFPB and they sent it to Equifax XXXX XX/XX/2022, where I requested my entire consumer credit file and report, as well as exercised my rights under 15 usc 1681i ( a ) I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this is an investigative consumer report I am also exercising my rights under 15 usc 1681a ( e ) I want to know exactly who you spoke with, and the method you used to speak with them. I also would like the name of the company who furnished this information and the name and employee number of the employee whom you spoke with. Pursuant to 15 usc 1681a ( e ) I an demanding the following : Which neighbor did you speak with? Which associate did you speak with? Which friends did you speak with? Which acquaintances of mine did you speak with? Was the information that you received factual? Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this information must be permanently be removed from my consumer report. 

On XXXX XX/XX/2022 I filed complaint # : XXXX with the CFPB disputing the above alleged account and reported late payment, as well as outlining how Equifax violated my rights as a consumer under 15 usc 1681. The subsections Equifax violated are as follows : 15 usc 1681- ( a ) ( 1 ) 15 usc 1681- ( a ) ( 2 ) 15 usc 1681-a ( 3 ) 15 usc 1681-a ( 4 ) 15 usc 1681b. ( 2 ) Your company ( Equifax ) responded alleging that the referenced account ( s ) were verified on XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union XXXX and XXXX shows collections accounts and credit cards I did not open XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 2 accounts XXXX XXXX XXXX XXXX Ive tried to dispute I havent got anything fixed
Product: Debt collection

XXXX XXXX received another phone call today XX/XX/XXXX from XXXX XXXX XXXX ext XXXX after I spoke with him yesterday and told him is not allowed to contact my employer. This second complaint is a follow up complaint to the complaint I filed XX/XX/XXXX ( complaint ID XXXX ). During today 's phone call with HR Mr. XXXX disclosed that he is attempting to collect a debt for a payday loan and that I am going to be served for breach of contract and financial fraud. Mr. XXXX asked what the company protocol was for an employee being served at work. Mr. XXXX was informed yesterday that my employer has requested that he no longer make contact and has once again provided information to my employer regarding a debt for collection.
Product: Mortgage

XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Email : XXXXXXXXXXXX Nationstar Mortgage Account Resolutions XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX ) XXXX XXXX : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, XXXX. XXXX Loan Number - XXXX Complaint/Investigation - Request to Rescind the mortgage agreement Consumer Financial Protection Bureau : The reason for me filing this dispute with your agency is to request an investigation and also contest into the following statements below : 1. The mortgage company failed to disclose, read 15 U.S.C. 78c Section 10, which is a violation of Regulation Z. It is also a violation of the Code of Federal regulations 12 CFR 226.23. 


2. The promissory note " Note '' documents was not sign in the presence of any Witnesses ; and/or notarized by others with the further markings, material to the instrument not until after I originally signed. UCC 8-102. See page 3, mortgage copies of the Note, Ex. A XXXX. I also like to state I never received any signed copies of documents from the company, just unsigned copies. Attach copy of the Note documents, Mortgagor XXXX XXXX Copies XXXX XXXX Respectfully Submitted : XXXX XXXX
Product: Credit reporting or other personal consumer reports

FOR ALL CLIENTS! 
1st box : I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   was sold to Cailber home Mortgage should only have 1 account reported and CALIBER home Mortgage has been satisfied
Product: Credit reporting or other personal consumer reports

I pulled my credit reports from XXXX experian and XXXX and noticed erroneous accounts that need to be immediately DELTED/UPDATED. Clearly outlined in 15 USC 1681, and more specifically 15 USC 1681s-2 and 15 USC 1681e ( b ), please update my personal information. Also, Pursuant to 15 USC 1681c-2 There are inquiries and accounts that I DID NOT originate nor authorize to be posted on my consumer report that need DELETING immediately on clear grounds of identity theft. DELETE NAME : XXXX XXXX XXXX from XXXX Experian and XXXX. ADD NAME : XXXX XXXX XXXX to XXXX, Experian, XXXX. DELETE AKA from XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Experian- XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX DELETE additional INQUIRIES : XXXX  XXXX, XXXX XXXX XXXX XX/XX/23, XXXX XXXX XXXX. DELETE ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. SEE ATTACHED FTC COMPLAINT.
Product: Payday loan, title loan, or personal loan

We obtained a loan from XXXX XXXX XXXX  for the value of our SUV. The loan approved for was {$2500.00} while the value of our vehicle was {$5000.00}. This was a loan secured using our SUV. We fell behind a month on payments and the vehicle was taken by this company. The company has sold the vehicle and and received the full amount of the vehicles worth, collected monthly payments from us over {$1500.00} and will not list this account a paid and update the credit bureaus. They are not reporting this transaction to the credit bureaus as they should which is " paid in full ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to resolve an unauthorized credit inquire by XXXX. If Equifax is unable to obtain evidence from XXXX that I approved a " HARD '' inquire then the inquire must be removed, as i did not give XXXX any such authorization. XXXX is an internet and cable provider that had no business pulling my credit as i had no outstanding balance prior to their service disruption error. The only authorization was for them to review my payment history and see if i had any outstanding balances ... That was it!
Product: Debt collection

I have paid back the amount I borrowed. The debt collectors keep calling at my job and speak extremely hostile and threaten legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX These accounts were created when my identity was stolen and I want them removed and deleted from my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im requesting to credit bureaus today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove items listed on an id theft report. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX FL XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$3500.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Please refer to my previous CFPB complaints about this matter : XXXX and XXXX I had opened a Checking account with BB & T during XX/XX/XXXX or XX/XX/XXXX. I have setup the direct deposit also. I have no idea why BB & T has blocked my online access? As during COVID-19 me and my spouse is working remotely ( from home ) as well as helping the kids during their online schooling. It seems BB & T called and my spouse picked up up the call - but he was in a meeting and I was also in the meeting. I tried to call back BB & T at XXXX but there is so many confusing menus and no way to reach out a human being. Worse thing - during this pandemic - this bank is giving tough time to it's customers - by blocking their online access for no good reasons. Moreover My XXXX payment request is also blocked or stopped. I want full access to my BB & T and freedom to use my account - as end of the this is my money and I need to have the access during this testing times. 
For this I filed a CFPB complaint. Seems to be the case that CFPB is a toothless agency with no powers. CFPB merely forwards the message and do nothing. 
I got the worst possible response from this bank : Neither they will unblock the account nor they will close my bank account and send the balance to me. It seems to me that this BB & T is not a bank but some militia who has their own set of rules. 

Neither they will unblock the account nor they will close my bank account and send the balance to me.
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. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are 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 Inquired on XX/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 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax Credit Bureau about unauthorized on my credit report and to have them removed. I was told that it was nothing they could do without additional info. I have know accounts related to these inquiries and would like them removed immediately. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

American Express refused to credit my account for {$800.00} for merchandise that I purchased made. I returned the merchandise. American still expects me to pay for the charges. They have accepted and explanation from the merchant, but did not accept my explanation for the purchased, claiming they have to follow the merchant 's policy. I was told that I needed to work it out with the merchant would result in a confrontation with the employees. I am XXXX XXXX XXXX ; I should not be expected to return to the store and confront an employee to receive a refund. It was clear in my explanation to American Express that I had an allergic to the products. I tried to return the products, but the store was closed from XXXX XXXX XXXX. After several attempts I was able to return the products. But the store refused to accept the products. Claiming that they do not accept returns within after 7 days. There was a heated confrontation with the employee and my husband. We place the items on the counter and exited the store. I filed a complaint, twice with the credit card company, but I was rebilled.
Product: Debt collection

We had an arson fire to our large garage and hired a company for board up service. The company we hired was XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, In. XXXX. One young man showed and put up s few pieces of cheap flake board on one garage door and a small window that the arsonist broke for access. This took an estimate of one hour. My mistake was not asking the charge for this. No contract. They billed me {$550.00} I was taken aback, needless to say. I think this is grossly excessive. My complaint went nowhere. They have sent this to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent an dispute letter and hard inquiry removal letter to all three credit bureaus XXXX, XXXX, and Transunion to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.
Product: Debt collection

The Company, Wakefield and Associates, Purchased a debt from another company and I had no involvement with the transaction. I received no benefits. According to 15 USC 3002 I am an Natural Woman which means my name XXXX XXXX is not me. My name is XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection. XXXX XXXX XXXX XXXX XXXX are assumed to be credit bureaus and their is only one Bureau and that is the Consumer Financial Protection Bureau. 

I have reasonable cause to believe that Wakefield and Associates is using my nonpublic private information to bring harm to me. You have violated my rights and privacy pursuant to 15 U.S. Code 1681 ( a ) and 15 USC 1681b ( a ) ( 2 ).
Product: Credit card or prepaid card

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is reported in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Please provide proof of the last payment. Otherwise, remove the account abruptly. 
XXXX XXXX - XXXX XXXX ***** Opened XXXX XXXX XXXX Balance {$2100.00} // Charge Off XXXX XXXX USA ***** Opened XXXX XXXX, XXXX Balance {$2100.00} // Charge Off
Product: Debt collection

I sent a letter to this company requesting that they verify that the debt is actually mine. I requested a copy of the original contract, the chain of custody of this debt and a copy of the purchase agreement verifying that the debt was sold. Additionally this collector is no longer reporting on my credit, why are they calling to collect on debt that is not on my credit report? I have no idea who they are collecting for, they failed to provide proof and validate the debt.
Product: Student loan

Navient calls every morning at around XXXX XXXXXXXX. With the previous calls I have requested that they send me everything in writing on. I believe Thursday, XX/XX/XXXX I returned a call with them and requested that they adhere to my request for them to provide everything in mail. On Saturday, XX/XX/XXXX I received a call from Navient ignoring my request. I requested a supervisor, but was told no supervisor was available until Monday
Product: Credit reporting or other personal consumer reports

I DID NOT RECEIVE THE CHAIN OF ASSIGNMENT VA FOR VALIDATION OF DEBT. from LVNV funding LLC .Account number XXXX balance {$1300.00} as Date opened XX/XX/year>, A BILL AND ADDRESS OR NOT PROVE VALIDATION OF DEBT ALSO CHARGE OFF SHOULD NOT BE REPORTING A BALANCE XXXX ( XXXX ),
Product: Student loan

I am a XXXX and I currently have around {$42000.00} in Direct Public Loans ( DLSCNS and DLUCNS ). My service provider was originally XXXX/Navient and I believe I was given poor information on my repayment options. I worked for a XXXX for 2 years XXXX , XXXX, and XXXX. When I was with XXXX/Navient I was weighing my options on wether or not I should enter XXXX Loan Forgiveness or Public Service Loan Forgiveness. I spoke to numerous XXXX/Navient representatives on the phone and I was advised to go with the Public Service Loan Forgiveness. I submitted all the required paperwork for the Public Service Loan Forgiveness, however once I consolidated and moved my service Provider to XXXX servicing I became aware that the two years teaching at a title I school and the one year that I taught at a Not-for profit school, that my payments did not qualify. Now I am 4.5 years into forgiveness and only 1.5 years will count. I feel as though I was wronged by incorrect information from several XXXX/Navient employees whose job it is to know the specifics of their field and provide guidance. Now it will take longer for my loans to be forgiven through this program. Someone needs to look into this discrepancy and figure out how I can get my hard years of service of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In college I lost my wallet, where as obviously I became a victim of fraud, when trying to report it, I was told that they were too busy fighting real crime. However, I did not pound on it until I checked my credit report. I have un- identified items on my report. The following are in dispute as of now, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, according to the FCRA law, these items shall be removed if the consumer like myself is not provided with physical documentation. Not just the credit agencies, I have the right to view any physical verification as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that this company opt me out of holding or sharing my information
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter has been sent over 45 days ago and i still having received any results or updates regarding these accounts on my report please remove immediately as my rights is now being violated 1.The folowing account is not mine XXXXXXXX XXXX Account NumberXXXX Please remove it from my credit report. 

2.The folowing account is not mine XXXX Account Number:XXXX Please remove it from my credit report.
Product: Debt collection

On XX/XX/XXXX. I was notified by XXXX of a collection item from Procollect , Inc for {$450.00} for a Utility Bill out of XXXX TX. This item does not belong to me, and I never lived in Texas. I begin to reach out to this company to have this item disputed and removed from my credit report, because it is fraudulent, but this company has been nothing but rude and disrespectful to me. I have tried contacting them numerous time and no one will help. They even tried to make me pay this debt when I explained multiply times it did not belong to me. Since then, I have started the Dispute process with XXXX and other Credit Bureaus as well filed a police report. This company address is XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX. Phone Number XXXX. Please help me with the matter, so others won't have to experience this terrible treatment as well.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

XX/XX/XXXX IS REPORTING A ACCOUNT NUMBER XXXX FOR $ XXXX XXXX XXXX A DEBT THAT WAS RESULTED FROM A IDENTITY THEFT ON MY CREDIT REPORT I HAVE REQUESTED SEVERAL TIMES TO VALID DEBT WITH MY ORIGINAL SIGNATURE ALONG WITH THEIR ABILITY TO OPERATE IN THE STATE OF TEXAS AND ONLY RECEIVED PARTIAL INFORMATION THERE'S NO ORIGINAL SIGNATURE FROM ME AND THIS DEBT I WANT DELETED IMMEDIATELY.